客户余额额度初始化始终为0

bms-back/bms-system/src/main/java/com/bms/customer/customerinfo/mapper/BmsCustomerMapper.java

@@ -26,18 +26,9 @@ public interface BmsCustomerMapper
     /** 轻量查询客户当前状态；不存在或已逻辑删除时返回 null。 */
     public BmsCustomer selectCustomerStatusByCustomerId(Long customerId);
 
-    /**
-     * 只取客户档案物理额度列（credit_ed 在通用查询里是账户可用额度的子查询别名，
-     * 账户首次初始化时必须读取档案原始值）
-     *
-     * @param customerId 客户ID
-     * @return 仅含 creditEd/tempEd 的客户对象
-     */
-    public BmsCustomer selectRawCreditByCustomerId(Long customerId);
-
     /**
      * 查询客户主列表
-     * 
+     *
      * @param bmsCustomer 客户主
      * @return 客户主集合
      */

bms-back/bms-system/src/main/java/com/bms/customer/customermoney/api/impl/CustomerAccountApiImpl.java

@@ -49,7 +49,7 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
 
     /** 本位币币种 */
     private static final String BASE_CURRENCY = BmsExchangeRate.BASE_CURRENCY;
-    /** 新客户默认总额度（CNY）：默认0，信用额度一律通过「申请-审批」分配 */
+    /** 账户初始化额度（CNY）：信用额度/临时额度一律初始化为0，不取客户档案录入值；额度仅在「客户余额-额度管理」调整时变化 */
     private static final BigDecimal DEFAULT_CREDIT = BigDecimal.ZERO;
     /** 金额保留位数 */
     private static final int MONEY_SCALE = 2;
@@ -111,27 +111,20 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
         {
             return 1;
         }
-        BmsCustomer customer = bmsCustomerMapper.selectRawCreditByCustomerId(customerId);
+        BmsCustomer customer = bmsCustomerMapper.selectBmsCustomerByCustomerId(customerId);
         if (customer == null)
         {
             throw new ServiceException("客户不存在");
         }
-        BigDecimal initCredit = nz(customer.getCreditEd());
-        if (initCredit.compareTo(BigDecimal.ZERO) < 0)
-        {
-            initCredit = BigDecimal.ZERO;
-        }
-        BigDecimal initTemp = nz(customer.getTempEd());
-        account = createCnyAccount(customerId, initCredit, initTemp, username);
-        // 档案额度与实际初始额度保持一致
-        bmsCustomerMapper.updateCustomerCredit(customerId, initCredit, initTemp, username);
+        // 初始化口径（2026-09-30）：信用额度/临时额度一律初始化为0，不从客户档案取值；
+        // 额度仅在「客户余额-额度管理」调整时变化
+        account = createCnyAccount(customerId, DEFAULT_CREDIT, DEFAULT_CREDIT, username);
+        // 档案物理额度列同步为0，与账户初始额度保持一致
+        bmsCustomerMapper.updateCustomerCredit(customerId, DEFAULT_CREDIT, DEFAULT_CREDIT, username);
         writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_CREDIT,
-                initCredit, null, null, username, "新客户初始化账户，默认信用额度0（需通过额度申请审批分配）");
-        if (initTemp.compareTo(BigDecimal.ZERO) > 0)
-        {
-            writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_TEMP,
-                    initTemp, null, null, username, "新客户初始化临时额度");
-        }
+                DEFAULT_CREDIT, null, null, username, "新客户初始化账户，信用额度默认0，需在客户余额-额度管理中调整");
+        writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_TEMP,
+                DEFAULT_CREDIT, null, null, username, "新客户初始化账户，临时额度默认0，需在客户余额-额度管理中调整");
         return 1;
     }
 
@@ -506,7 +499,7 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
         return account;
     }
 
-    /** 行锁获取客户CNY账户，不存在则按客户档案当前额度初始化创建 */
+    /** 行锁获取客户CNY账户，不存在则初始化创建（信用/临时额度一律初始化为0，不取客户档案值） */
     private CustomerAccount getOrInitCnyAccount(Long customerId, String username)
     {
         CustomerAccount account = customerMoneyMapper.selectAccountForUpdate(customerId, BASE_CURRENCY);
@@ -514,23 +507,20 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
         {
             return account;
         }
-        BmsCustomer customer = bmsCustomerMapper.selectRawCreditByCustomerId(customerId);
+        BmsCustomer customer = bmsCustomerMapper.selectBmsCustomerByCustomerId(customerId);
         if (customer == null)
         {
             throw new ServiceException("客户不存在");
         }
-        BigDecimal initCredit = nz(customer.getCreditEd());
-        BigDecimal initTemp = nz(customer.getTempEd());
         try
         {
-            account = createCnyAccount(customerId, initCredit, initTemp, username);
+            account = createCnyAccount(customerId, DEFAULT_CREDIT, DEFAULT_CREDIT, username);
+            // 档案物理额度列同步为0，与账户初始额度保持一致
+            bmsCustomerMapper.updateCustomerCredit(customerId, DEFAULT_CREDIT, DEFAULT_CREDIT, username);
             writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_CREDIT,
-                    initCredit, null, null, username, "首次创建CNY账户，从客户档案同步初始额度");
-            if (initTemp.compareTo(BigDecimal.ZERO) > 0)
-            {
-                writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_TEMP,
-                        initTemp, null, null, username, "首次创建CNY账户，从客户档案同步临时额度");
-            }
+                    DEFAULT_CREDIT, null, null, username, "首次创建CNY账户，信用额度默认0，需在客户余额-额度管理中调整");
+            writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_TEMP,
+                    DEFAULT_CREDIT, null, null, username, "首次创建CNY账户，临时额度默认0，需在客户余额-额度管理中调整");
             return account;
         }
         catch (RuntimeException e)
@@ -598,7 +588,7 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
         return account;
     }
 
-    /** 账户首次初始化时写额度 INIT 流水（从客户档案额度同步） */
+    /** 账户首次初始化时写额度 INIT 流水（初始化额度固定为0） */
     private void writeInitFlow(CustomerAccount account, String creditType,
             BigDecimal initAmount, Date effectiveDate, Date expireDate,
             String username, String remark)

bms-back/bms-system/src/main/resources/mapper/customer/BmsCustomerMapper.xml

@@ -236,15 +236,6 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
         where customer_id = #{customerId}
     </update>
 
-    <!-- 只取档案物理额度列（列表查询里的 credit_ed 是账户可用额度子查询） -->
-    <select id="selectRawCreditByCustomerId" resultType="BmsCustomer">
-        select customer_id as customerId,
-               credit_ed as creditEd,
-               temp_ed as tempEd
-        from ctr_customer
-        where customer_id = #{customerId}
-    </select>
-
     <delete id="deleteBmsCustomerAttachmentByAttachmentIds" parameterType="String">
         update ctr_customer_attachment set del_flag = '2' where attachment_id in
         <foreach item="attachmentId" collection="attachmentIds" open="(" separator="," close=")">

bms-front/src/views/customersuppliermanagement/customerinfo/customeredit/index.vue

@@ -130,21 +130,19 @@
                 </el-form-item>
               </el-col>
               <el-col :span="12">
-                <el-form-item label="信用额度" prop="creditEd">
-                  <el-input v-model="form.creditEd" :disabled="!isAdd" placeholder="默认为0，授信需在客户余额中申请审批">
-                    <template #append v-if="!isAdd">
-                      <span style="color: #e6a23c">请在客户余额-额度管理中调整</span>
-                    </template>
+                <el-form-item label="信用额度">
+                  <el-input :model-value="formatBalance(form.creditEd)" disabled placeholder="0.00">
+                    <template #append>CNY</template>
                   </el-input>
+                  <div class="form-tip-text">新建客户初始化为0，需在「客户余额-额度管理」中调整</div>
                 </el-form-item>
               </el-col>
               <el-col :span="12">
-                <el-form-item label="临时额度" prop="tempEd">
-                  <el-input v-model="form.tempEd" :disabled="!isAdd" placeholder="请输入临时额度">
-                    <template #append v-if="!isAdd">
-                      <span style="color: #e6a23c">请在客户余额-额度管理中调整</span>
-                    </template>
+                <el-form-item label="临时额度">
+                  <el-input :model-value="formatBalance(form.tempEd)" disabled placeholder="0.00">
+                    <template #append>CNY</template>
                   </el-input>
+                  <div class="form-tip-text">新建客户初始化为0，需在「客户余额-额度管理」中调整</div>
                 </el-form-item>
               </el-col>
               <el-col :span="12">
@@ -779,7 +777,7 @@ function buildEmptyForm() {
     serviceUserId: null,
     serviceUser: null,
     settlementType: null,
-    tempEd: null,
+    tempEd: 0,
     accountBalance: null,
     foreignCurrencyBalance: null,
     weightThreshold: null,
@@ -1321,6 +1319,12 @@ onMounted(() => {
   color: #909399;
   font-size: 12px;
 }
+.form-tip-text {
+  color: #e6a23c;
+  font-size: 12px;
+  line-height: 1.4;
+  margin-top: 2px;
+}
 .bound-table {
   margin-top: 4px;
 }