feat(billing): 计费商业化重构(积分制)+ 团队差异化调价

统一计价引擎 apps/billing/pricing.py:1积分=¥0.1,平台成本(¥)与用户价(积分)双记账,
视频按火山真实 usage.total_tokens 结算(true-up,终结¥1/段倒贴)+ 首发×1.5毛利系数。
Team.price_multiplier 差异化调价(jimeng同款):挂牌价×系数两步HALF_UP取整,视频类
按下单时的价格/汇率快照结算(中途改配不影响在途任务)。

BillingConfig 单例(汇率/毛利系数/预留buffer,admin可调即刻生效)。存量数据 ×10 rescale
迁移(RunPython+atomic,MySQL 迁移不可中断重跑)。开户赠送归零(DEFAULT_TRIAL_CREDITS=0,
商业决策)。audit_billing 加 I9(卖亏审计)。271 条测试 + tsc/build 全绿。

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

core/backend/apps/adminpanel/views.py

@@ -1,6 +1,6 @@
 """平台超管后台 · 跨团队端点。所有视图统一挂 IsPlatformAdmin,非超管一律 403,写操作记审计。"""
 
-from decimal import Decimal
+from decimal import Decimal, ROUND_HALF_UP
 
 from django.db.models import Count, F, Q
 from rest_framework import status
@@ -15,7 +15,8 @@ from apps.accounts.serializers import InvitationSerializer
 from apps.ai.models import AITask, ModelConfig, ModelProvider, PromptTemplate, QualityWord
 from apps.assets.models import Asset
 from apps.assets.review import poll_asset_review, submit_asset_for_review
-from apps.billing.models import CreditLedger, QuotaPolicy
+from apps.billing.models import BillingConfig, CreditLedger, QuotaPolicy
+from apps.billing.pricing import get_billing_config, invalidate_billing_config_cache
 from apps.billing.services.ledger import adjust_credit
 from apps.common.pagination import DefaultPagination
 from apps.products.models import Product
@@ -160,6 +161,38 @@ def admin_team_toggle(request, team_id):
 # ─────────────────────────── 用户管理 ───────────────────────────
 
 
+@api_view(["POST"])
+@permission_classes([IsPlatformAdmin])
+def admin_team_pricing(request, team_id):
+    """团队差异化调价(jimeng 同款诉求):设置团队价格系数(0.10~10.00)。
+    最终积分价 = 挂牌价 × 系数;全部计费类型统一生效;视频在途任务用下单快照不受影响。"""
+    from decimal import InvalidOperation
+
+    team = Team.objects.filter(id=team_id).first()
+    if team is None:
+        return Response({"detail": "not found"}, status=status.HTTP_404_NOT_FOUND)
+    try:
+        value = Decimal(str(request.data.get("price_multiplier")))
+    except (InvalidOperation, TypeError, ValueError):
+        return Response({"price_multiplier": ["数值格式不正确"]}, status=status.HTTP_400_BAD_REQUEST)
+    if not value.is_finite() or value < Decimal("0.10") or value > Decimal("10"):
+        return Response({"price_multiplier": ["系数需在 0.10 ~ 10.00 之间"]}, status=status.HTTP_400_BAD_REQUEST)
+    before = str(team.price_multiplier)
+    # 显式 HALF_UP:quantize 默认银行家舍入(0.125→0.12),与全仓取整纪律不一致(review 确认)
+    team.price_multiplier = value.quantize(Decimal("0.01"), rounding=ROUND_HALF_UP)
+    team.save(update_fields=["price_multiplier", "updated_at"])
+    log_admin_action(
+        request,
+        "team.pricing_update",
+        target_type="team",
+        target_id=team.id,
+        target_name=team.name,
+        before={"price_multiplier": before},
+        after={"price_multiplier": str(team.price_multiplier)},
+    )
+    return Response(AdminTeamSerializer(_team_qs().get(id=team.id)).data)
+
+
 @api_view(["GET"])
 @permission_classes([IsPlatformAdmin])
 def admin_users(request):
@@ -496,6 +529,50 @@ def admin_ledger_adjust(request):
     return Response(AdminLedgerSerializer(ledger).data, status=status.HTTP_201_CREATED)
 
 
+def _billing_config_payload(cfg: BillingConfig) -> dict:
+    return {
+        "points_per_yuan": str(cfg.points_per_yuan),
+        "video_margin_multiplier": str(cfg.video_margin_multiplier),
+        "video_reserve_buffer": str(cfg.video_reserve_buffer),
+        "updated_at": cfg.updated_at,
+    }
+
+
+@api_view(["GET", "PATCH"])
+@permission_classes([IsPlatformAdmin])
+def admin_billing_config(request):
+    """平台计费配置(积分汇率/视频毛利系数/预留 buffer)。PATCH 即刻生效于下一次估价/结算。"""
+    from decimal import InvalidOperation
+
+    cfg = get_billing_config()
+    if request.method == "GET":
+        return Response(_billing_config_payload(cfg))
+    before = _billing_config_payload(cfg)
+    updates: dict = {}
+    for field, minimum in (("points_per_yuan", Decimal("0.01")), ("video_margin_multiplier", Decimal("0.01")), ("video_reserve_buffer", Decimal("1"))):
+        if request.data.get(field) is None:
+            continue
+        try:
+            value = Decimal(str(request.data[field]))
+        except (InvalidOperation, TypeError, ValueError):
+            return Response({field: ["数值格式不正确"]}, status=status.HTTP_400_BAD_REQUEST)
+        # Decimal("NaN") 构造不抛,比较才抛 InvalidOperation → 500(review 确认),显式拦
+        if not value.is_finite():
+            return Response({field: ["数值格式不正确"]}, status=status.HTTP_400_BAD_REQUEST)
+        if value < minimum:
+            return Response({field: [f"不能小于 {minimum}"]}, status=status.HTTP_400_BAD_REQUEST)
+        updates[field] = value
+    if not updates:
+        return Response({"detail": "没有可更新的字段"}, status=status.HTTP_400_BAD_REQUEST)
+    for field, value in updates.items():
+        setattr(cfg, field, value)
+    cfg.save(update_fields=[*updates.keys(), "updated_at"])
+    invalidate_billing_config_cache()
+    after = _billing_config_payload(cfg)
+    log_admin_action(request, "billing_config.update", target_type="billing_config", target_id=cfg.id, before=before, after=after)
+    return Response(after)
+
+
 @api_view(["GET", "POST"])
 @permission_classes([IsPlatformAdmin])
 def admin_quota_policies(request):