feat(admin): 用户列表新增「调余额」人工充值/扣减入口

- 新接口 POST /api/admin/users/:id/balance（requireAdmin）：事务锁行、扣减不可为负、单次上限 100 万、写 finance_records 并推送站内通知

- 后台用户列表每行新增「调余额」按钮与弹窗（当前余额/方向/金额/备注）

- 新增 admin-balance-adjust 护栏；113 套件/737 用例全绿

admin/arco-design-pro-vite/src/views/user/list/index.vue

@@ -226,6 +226,11 @@
                   详情
                 </a-button>
 
+                <a-button type="outline" size="small" @click.stop="openBalanceModal(record)">
+                  <template #icon><icon-plus /></template>
+                  调余额
+                </a-button>
+
                 <a-popconfirm
                   :content="record.status === '正常' ? `确定要封禁用户 [${record.nickname}] 吗？封禁后将限制发单与接单。` : `确定要解除用户 [${record.nickname}] 的封禁状态吗？`"
                   ok-text="确认"
@@ -601,6 +606,53 @@
         </a-tabs>
       </div>
     </a-drawer>
+
+    <!-- 人工调整钱包余额（运营/测试） -->
+    <a-modal
+      v-model:visible="balanceModalVisible"
+      title="调整用户钱包余额"
+      :width="480"
+      :ok-loading="submittingBalance"
+      ok-text="确认调整"
+      cancel-text="取消"
+      @ok="submitBalanceAdjust"
+    >
+      <a-form :model="balanceForm" layout="vertical">
+        <a-form-item label="用户">
+          <a-input :model-value="`${balanceTarget.nickname || ''}（UID: ${balanceTarget.id || ''}）`" disabled />
+        </a-form-item>
+        <a-form-item label="当前余额">
+          <a-input :model-value="`¥${Number(balanceTarget.balance || 0).toFixed(2)}`" disabled />
+        </a-form-item>
+        <a-form-item label="调整方向">
+          <a-radio-group v-model="balanceForm.direction">
+            <a-radio value="IN">充值（增加余额）</a-radio>
+            <a-radio value="OUT">扣减（减少余额）</a-radio>
+          </a-radio-group>
+        </a-form-item>
+        <a-form-item label="金额（元）" required>
+          <a-input-number
+            v-model="balanceForm.amount"
+            :min="0.01"
+            :max="100000"
+            :precision="2"
+            style="width: 100%"
+            placeholder="请输入调整金额"
+          />
+        </a-form-item>
+        <a-form-item label="备注（写入用户财务流水）">
+          <a-input
+            v-model="balanceForm.reason"
+            placeholder="如：测试充值 / 活动赠送 / 人工补偿"
+            :max-length="80"
+            show-word-limit
+          />
+        </a-form-item>
+        <a-alert type="warning">
+          该操作会真实修改用户余额并写入财务流水；扣减时不能超过当前余额，请谨慎操作。
+        </a-alert>
+      </a-form>
+    </a-modal>
   </div>
 </template>
 
@@ -622,6 +674,52 @@
   const currentUser = ref<any>(null);
   const userDetail = ref<any>(null);
 
+  // 人工调整余额
+  const balanceModalVisible = ref(false);
+  const balanceTarget = ref<any>({});
+  const balanceForm = ref({ direction: 'IN', amount: 100, reason: '' });
+  const submittingBalance = ref(false);
+
+  const openBalanceModal = (record: any) => {
+    balanceTarget.value = { ...(record || {}) };
+    balanceForm.value = { direction: 'IN', amount: 100, reason: '' };
+    balanceModalVisible.value = true;
+  };
+
+  const submitBalanceAdjust = async () => {
+    const amount = Number(balanceForm.value.amount);
+    if (!amount || amount <= 0) {
+      Message.warning('请输入有效的调整金额');
+      return;
+    }
+    if (!balanceTarget.value.id) {
+      Message.error('用户信息缺失，请刷新后重试');
+      return;
+    }
+    submittingBalance.value = true;
+    try {
+      const res: any = await axios.post(`/api/admin/users/${balanceTarget.value.id}/balance`, {
+        amount,
+        direction: balanceForm.value.direction,
+        reason: balanceForm.value.reason,
+      });
+      if (res && res.data && res.data.code === 20000) {
+        Message.success(res.data.message || '余额调整成功');
+        balanceModalVisible.value = false;
+        await fetchUsers();
+        if (detailDrawerVisible.value && currentUser.value) {
+          fetchUserDetail(currentUser.value.id);
+        }
+      } else {
+        Message.error((res && res.data && res.data.message) || '余额调整失败');
+      }
+    } catch (err: any) {
+      Message.error((err && err.message) || '余额调整失败');
+    } finally {
+      submittingBalance.value = false;
+    }
+  };
+
   const fetchUsers = async () => {
     loading.value = true;
     try {