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

server/src/index.ts

@@ -2961,7 +2961,7 @@ async function loadDemoAccounts(): Promise<Array<{ userId: number; roleTag: stri
         roleDesc: String(a.roleDesc || ''),
         desc: String(a.desc || ''),
       }))
-      .filter((a) => a.userId > 0)
+      .filter((a: any) => a.userId > 0)
       .slice(0, 10);
   } catch (e) {
     logServerError('loadDemoAccounts', e);
@@ -3793,6 +3793,36 @@ app.get('/api/users', requireAdmin, async (req: Request, res: Response) => {
   }
 });
 
+// 管理后台：人工调整用户钱包余额（运营/测试用，写入财务流水）
+app.post('/api/admin/users/:id/balance', requireAdmin, async (req: Request, res: Response) => {
+  try {
+    const userId = Number(req.params.id);
+    const amount = Number(req.body?.amount);
+    const direction = String(req.body?.direction || 'IN') === 'OUT' ? 'OUT' : 'IN';
+    const reason = String(req.body?.reason || '').trim().slice(0, 80);
+
+    if (!userId || !Number.isFinite(amount) || amount <= 0) {
+      return res.status(400).json({ code: 40000, message: '请填写有效的调整金额' });
+    }
+
+    const result = await repo.adjustUserBalance(userId, amount, direction as 'IN' | 'OUT', reason, '平台运营');
+    pushUserNotification(
+      userId,
+      'SYSTEM',
+      direction === 'IN' ? '余额已充值' : '余额已扣减',
+      `平台${direction === 'IN' ? '充值' : '扣减'} ¥${result.amount}${reason ? `（${reason}）` : ''}，当前余额 ¥${result.after}。`,
+      '/pages/user/recharge'
+    );
+    res.json({
+      code: 20000,
+      data: result,
+      message: direction === 'IN' ? `充值成功，当前余额 ¥${result.after}` : `扣减成功，当前余额 ¥${result.after}`
+    });
+  } catch (err: any) {
+    res.status(400).json({ code: 40000, message: err.message || '余额调整失败' });
+  }
+});
+
 app.post('/api/users/:id/status', requireAdmin, async (req: Request, res: Response) => {
   try {
     const userId = Number(req.params.id);