feat: complete finance and overseas receiving workflow

finance/src/main/resources/db/finance.sql

@@ -443,12 +443,13 @@ CREATE TABLE IF NOT EXISTS fin_wallet_account (
   id BIGINT UNSIGNED NOT NULL AUTO_INCREMENT COMMENT '主键ID',
   customer_id BIGINT UNSIGNED NOT NULL COMMENT '客户ID和隔离键',
   currency_code CHAR(3) NOT NULL DEFAULT 'CNY' COMMENT '当前仅CNY',
-  actual_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '账户实际余额，包含冻结资金',
+  actual_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '账户实际余额，授信消费可形成负余额',
   frozen_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '冻结总额，包含实际资金与授信冻结',
-  available_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '总可用余额=实际余额+授信额度-已用授信-冻结总额',
+  available_balance DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '当前总可用余额；授信失效后不再计入',
   credit_limit DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '授信额度',
-  credit_used DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '已结算使用的授信',
+  credit_used DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '授信有效期内累计已使用额度；到期后并入实际余额',
   credit_frozen DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '冻结总额中占用的授信',
+  credit_expires_on DATE NULL COMMENT '授信到期日，当天仍有效；次日失效',
   version INT UNSIGNED NOT NULL DEFAULT 0 COMMENT '余额乐观锁版本',
   created_by BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '创建操作人ID',
   updated_by BIGINT UNSIGNED NOT NULL DEFAULT 0 COMMENT '最后操作人ID',
@@ -458,7 +459,7 @@ CREATE TABLE IF NOT EXISTS fin_wallet_account (
   UNIQUE KEY uk_fin_wallet_account_customer (customer_id, currency_code),
   CONSTRAINT chk_fin_wallet_account_customer CHECK (customer_id > 0),
   CONSTRAINT chk_fin_wallet_account_currency CHECK (currency_code = 'CNY'),
-  CONSTRAINT chk_fin_wallet_account_balance CHECK (actual_balance >= 0 AND frozen_balance >= 0 AND available_balance >= 0 AND credit_limit >= 0 AND credit_used >= 0 AND credit_frozen >= 0 AND frozen_balance >= credit_frozen AND actual_balance >= frozen_balance-credit_frozen AND credit_limit >= credit_used+credit_frozen AND available_balance = actual_balance+credit_limit-credit_used-frozen_balance)
+  CONSTRAINT chk_fin_wallet_account_balance CHECK (frozen_balance >= 0 AND credit_limit >= 0 AND credit_used >= 0 AND credit_frozen >= 0 AND frozen_balance >= credit_frozen)
 ) ENGINE=InnoDB COMMENT='客户CNY资金账户主账';
 
 CREATE TABLE IF NOT EXISTS fin_recharge_request (
@@ -500,6 +501,7 @@ CREATE TABLE IF NOT EXISTS fin_wallet_ledger (
   credit_limit_after DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '变动后授信额度',
   credit_used_after DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '变动后已用授信',
   available_credit_after DECIMAL(20,2) NOT NULL DEFAULT 0 COMMENT '变动后可用授信',
+  credit_expires_on_after DATE NULL COMMENT '变动后授信到期日',
   source_type VARCHAR(32) NOT NULL COMMENT 'CLIENT_RECHARGE/MANUAL_RECHARGE/MANUAL_DEDUCTION等',
   source_no VARCHAR(128) NULL COMMENT '充值申请号或外部凭证号',
   occurred_date DATE NOT NULL COMMENT '业务发生日期',
@@ -514,8 +516,8 @@ CREATE TABLE IF NOT EXISTS fin_wallet_ledger (
   KEY idx_fin_wallet_ledger_customer_time (customer_id, created_at, id),
   KEY idx_fin_wallet_ledger_source (customer_id, source_type, source_no),
   CONSTRAINT chk_fin_wallet_ledger_customer CHECK (customer_id > 0),
-  CONSTRAINT chk_fin_wallet_ledger_amount CHECK (amount <> 0),
-  CONSTRAINT chk_fin_wallet_ledger_balance CHECK (actual_balance_after >= 0 AND frozen_balance_after >= 0 AND available_balance_after >= 0 AND credit_limit_after >= 0 AND credit_used_after >= 0 AND available_credit_after >= 0 AND credit_limit_after >= credit_used_after+available_credit_after AND available_balance_after = actual_balance_after-frozen_balance_after+credit_limit_after-credit_used_after)
+  CONSTRAINT chk_fin_wallet_ledger_amount CHECK (amount <> 0 OR change_type='CREDIT_LIMIT'),
+  CONSTRAINT chk_fin_wallet_ledger_balance CHECK (frozen_balance_after >= 0 AND credit_limit_after >= 0 AND credit_used_after >= 0 AND available_credit_after >= 0)
 ) ENGINE=InnoDB COMMENT='客户资金账户不可变余额流水';
 
 CREATE TABLE IF NOT EXISTS fin_wallet_hold (