优化：明确提现审核状态与超时订单处理

重新梳理微信提现配置和现金账本提示层级，增加检测反馈与校验时间，并将批量对账改为更明确的超时订单处理说明。移除自动查单关闭提示，避免把非阻断运维状态展示为业务异常。

src/app/(main)/withdraws/page.tsx

@@ -142,7 +142,7 @@ function actionLabel(action: string) {
     'withdraw.approve': '审核通过',
     'withdraw.reject': '审核拒绝',
     'withdraw.refresh': '查单刷新',
-    'withdraw.reconcile': '批量对账',
+    'withdraw.reconcile': '处理超时订单',
   };
   return labels[action] || action;
 }
@@ -182,8 +182,11 @@ export default function WithdrawsPage() {
   const [activeStatus, setActiveStatus] = useState('reviewing');
   const [summary, setSummary] = useState<WithdrawSummary | null>(null);
   const [health, setHealth] = useState<WxpayHealthCheck | null>(null);
+  const [healthLoading, setHealthLoading] = useState(false);
+  const [healthCheckedAt, setHealthCheckedAt] = useState<number | null>(null);
   const [ledger, setLedger] = useState<WithdrawLedgerCheck | null>(null);
   const [ledgerLoading, setLedgerLoading] = useState(false);
+  const [ledgerCheckedAt, setLedgerCheckedAt] = useState<number | null>(null);
   const [drawerOpen, setDrawerOpen] = useState(false);
   const [detail, setDetail] = useState<WithdrawDetail | null>(null);
   const [detailLoading, setDetailLoading] = useState(false);
@@ -255,21 +258,36 @@ export default function WithdrawsPage() {
     }
   }, []);
 
-  const loadHealth = useCallback(async () => {
+  const loadHealth = useCallback(async (showFeedback = false) => {
+    setHealthLoading(true);
     try {
       const { data } = await api.get<WxpayHealthCheck>('/admin/api/withdraws/health-check');
       setHealth(data);
+      setHealthCheckedAt(Date.now());
+      if (showFeedback) {
+        message.success(data.ok ? '检测完成，微信提现配置正常' : '检测完成，仍有配置项需要处理');
+      }
     } catch (e) {
       message.error(errMsg(e));
+    } finally {
+      setHealthLoading(false);
     }
   }, []);
 
   // 账本校验是全表对账、相对重,故只在进页时拉一次 + 提供手动按钮,不随每次写操作重算。
-  const loadLedger = useCallback(async () => {
+  const loadLedger = useCallback(async (showFeedback = false) => {
     setLedgerLoading(true);
     try {
       const { data } = await api.get<WithdrawLedgerCheck>('/admin/api/withdraws/ledger-check');
       setLedger(data);
+      setLedgerCheckedAt(Date.now());
+      if (showFeedback) {
+        if (data.ok) {
+          message.success('校验完成，现金账本正常');
+        } else {
+          message.warning('校验完成，发现现金账本异常');
+        }
+      }
     } catch (e) {
       message.error(errMsg(e));
     } finally {
@@ -465,15 +483,16 @@ export default function WithdrawsPage() {
 
   const reconcile = () => {
     modal.confirm({
-      title: '批量对账?',
-      content: '扫描超过 15 分钟仍处于打款中的提现单，逐单向微信查实并归一化。',
-      okText: '开始对账',
+      title: '处理超时打款订单？',
+      content:
+        '将检查超过 15 分钟仍处于“打款中”的订单：微信已成功则更新为“已到账”；失败则退款；仍待用户确认的老单将撤销并退款；仍在处理中则保持不变。',
+      okText: '开始处理',
       onOk: async () => {
         try {
           const { data } = await api.post<{ checked: number; resolved: number }>(
             '/admin/api/withdraws/reconcile',
           );
-          message.success(`对账完成: 检查 ${data.checked} 单，解决 ${data.resolved} 单`);
+          message.success(`处理完成：检查 ${data.checked} 单，更新 ${data.resolved} 单`);
           await refreshAfterChange();
         } catch (e) {
           message.error(errMsg(e));
@@ -652,6 +671,10 @@ export default function WithdrawsPage() {
           : '',
       ].filter(Boolean)
     : [];
+  const payoutReady = Boolean(
+    health?.wxpay_configured && health.private_key_loadable && health.public_key_loadable,
+  );
+  const hasBlockingPayoutIssue = Boolean(health && !payoutReady);
 
   return (
     <div>
@@ -662,41 +685,62 @@ export default function WithdrawsPage() {
         </div>
         {canManage && (
           <Button danger icon={<ReloadOutlined />} onClick={reconcile}>
-            批量对账
+            处理超时订单
           </Button>
         )}
       </Space>
 
-      {(health || ledger) && (
+      {(hasBlockingPayoutIssue || (ledger && !ledger.ok)) && (
         <Space direction="vertical" style={{ width: '100%', marginBottom: 16 }}>
-          {health && (
+          {health && hasBlockingPayoutIssue && (
             <Alert
               showIcon
-              type={health.ok ? 'success' : 'warning'}
-              message={health.ok ? '微信提现配置正常' : '微信提现配置需检查'}
+              type="warning"
+              message="当前环境无法执行微信打款"
               description={
-                health.ok
-                  ? `自动对账已${health.auto_reconcile_enabled ? '开启' : '关闭'}，每 ${health.auto_reconcile_interval_sec}s 扫描 ${health.auto_reconcile_older_than_minutes} 分钟前的打款中订单`
-                  : health.issues.join('；')
-              }
-            />
-          )}
-          {ledger && (
-            <Alert
-              showIcon
-              type={ledger.ok ? 'success' : 'error'}
-              message={ledger.ok ? '现金账本校验正常' : '现金账本存在异常'}
-              description={
-                ledger.ok
-                  ? `现金 余额 ${yuan(ledger.cash_balance_total_cents)} / 流水 ${yuan(ledger.cash_transaction_total_cents)}；邀请金 余额 ${yuan(ledger.invite_cash_balance_total_cents)} / 流水 ${yuan(ledger.invite_cash_transaction_total_cents)}`
-                  : ledgerIssues.join('；')
+                <Space direction="vertical" size={6}>
+                  <Text>微信支付配置不完整，点击“通过并打款”将失败。请联系部署管理员处理。</Text>
+                  {healthCheckedAt && (
+                    <Text type="secondary">
+                      最近检测：{dayjs(healthCheckedAt).format('HH:mm:ss')}
+                    </Text>
+                  )}
+                  <details>
+                    <summary style={{ color: '#1677ff', cursor: 'pointer' }}>查看技术详情</summary>
+                    <ul style={{ margin: '8px 0 0', paddingInlineStart: 20 }}>
+                      {health.issues.map((issue) => (
+                        <li key={issue} style={{ marginBottom: 4, overflowWrap: 'anywhere' }}>
+                          {issue}
+                        </li>
+                      ))}
+                    </ul>
+                  </details>
+                </Space>
               }
+              action={
+                <Button
+                  size="small"
+                  icon={<ReloadOutlined />}
+                  loading={healthLoading}
+                  onClick={() => void loadHealth(true)}
+                >
+                  重新检测
+                </Button>
+              }
+            />
+          )}
+          {ledger && !ledger.ok && (
+            <Alert
+              showIcon
+              type="error"
+              message="现金账本存在异常"
+              description={ledgerIssues.join('；')}
               action={
                 <Button
                   size="small"
                   icon={<ReloadOutlined />}
                   loading={ledgerLoading}
-                  onClick={() => void loadLedger()}
+                  onClick={() => void loadLedger(true)}
                 >
                   重新校验
                 </Button>
@@ -706,6 +750,36 @@ export default function WithdrawsPage() {
         </Space>
       )}
 
+      {(health || ledger) && (
+        <Space
+          size={12}
+          wrap
+          style={{ width: '100%', justifyContent: 'flex-end', marginBottom: 12 }}
+        >
+          {health && payoutReady && <Tag color="success">微信打款可用</Tag>}
+          {ledger?.ok && (
+            <Space size={6}>
+              <CheckCircleOutlined style={{ color: '#52c41a' }} />
+              <Text strong>账本正常</Text>
+              {ledgerCheckedAt && (
+                <Text type="secondary">
+                  · {dayjs(ledgerCheckedAt).format('HH:mm:ss')} 校验
+                </Text>
+              )}
+              <Button
+                type="link"
+                size="small"
+                icon={<ReloadOutlined />}
+                loading={ledgerLoading}
+                onClick={() => void loadLedger(true)}
+              >
+                重新校验
+              </Button>
+            </Space>
+          )}
+        </Space>
+      )}
+
       <Row gutter={12} style={{ marginBottom: 16 }}>
         <Col xs={24} sm={12}>
           <Card size="small">