feat(settlement): 门店未出账手动提现与总部审核（OPT-010）

Co-authored-by: Cursor <cursoragent@cursor.com>

server/dukang-api/prisma/schema.prisma

@@ -314,6 +314,12 @@ enum StorePayoutStatus {
   PAID
 }
 
+enum StoreWithdrawStatus {
+  PENDING_REVIEW
+  REJECTED
+  PAID
+}
+
 enum ThirdPartyProvider {
   WECHAT_PAY
   WECHAT_REFUND
@@ -1064,6 +1070,8 @@ model Store {
   settlementRate  Decimal     @default(0.60) @map("settlement_rate") @db.Decimal(5, 4)
   /// Online test: only listed phones can see store on C-end when enabled
   visibilityWhitelistEnabled Boolean @default(false) @map("visibility_whitelist_enabled")
+  /// FIN-001：允许未出账手动提现的白名单门店
+  withdrawWhitelistEnabled Boolean @default(false) @map("withdraw_whitelist_enabled")
   createdAt       DateTime    @default(now()) @map("created_at") @db.DateTime(3)
   updatedAt       DateTime    @updatedAt @map("updated_at") @db.DateTime(3)
 
@@ -1077,6 +1085,7 @@ model Store {
   ratings              StoreRating[]
   payouts              StorePayout[]
   storeBills           StoreBill[]
+  withdrawRequests     StoreWithdrawRequest[]
   visibilityPhones     StoreVisibilityPhone[]
 
   @@index([cityId, status])
@@ -1121,6 +1130,7 @@ model StoreAccount {
   childAccounts        StoreAccount[]        @relation("StoreAccountHierarchy")
   bindings             StoreAccountStore[]
   redeemPendingRecords RedeemPendingRecord[]
+  withdrawRequests     StoreWithdrawRequest[]
 
   @@index([parentAccountId])
   @@map("store_account")
@@ -1432,12 +1442,52 @@ model StorePayout {
   redeemRecord RedeemRecord @relation(fields: [redeemRecordId], references: [id], onDelete: Restrict)
   store        Store        @relation(fields: [storeId], references: [id], onDelete: Restrict)
   storeBill    StoreBill?   @relation(fields: [storeBillId], references: [id], onDelete: SetNull)
+  withdrawItem StoreWithdrawPayoutItem?
 
   @@index([storeId, status])
   @@index([storeBillId])
   @@map("store_payout")
 }
 
+model StoreWithdrawRequest {
+  id              BigInt              @id @default(autoincrement()) @db.UnsignedBigInt
+  withdrawNo      String              @unique @map("withdraw_no") @db.VarChar(32)
+  storeId         BigInt              @map("store_id") @db.UnsignedBigInt
+  storeAccountId  BigInt              @map("store_account_id") @db.UnsignedBigInt
+  amount          Decimal             @db.Decimal(10, 2)
+  payoutCount     Int                 @default(0) @map("payout_count")
+  status          StoreWithdrawStatus @default(PENDING_REVIEW)
+  rejectReason    String?             @map("reject_reason") @db.VarChar(512)
+  appliedAt       DateTime            @default(now()) @map("applied_at") @db.DateTime(3)
+  reviewedAt      DateTime?           @map("reviewed_at") @db.DateTime(3)
+  reviewedByHqId  BigInt?             @map("reviewed_by_hq_id") @db.UnsignedBigInt
+  paidAt          DateTime?           @map("paid_at") @db.DateTime(3)
+  paymentRef      String?             @map("payment_ref") @db.VarChar(128)
+  createdAt       DateTime            @default(now()) @map("created_at") @db.DateTime(3)
+  updatedAt       DateTime            @updatedAt @map("updated_at") @db.DateTime(3)
+
+  store        Store                      @relation(fields: [storeId], references: [id], onDelete: Restrict)
+  storeAccount StoreAccount               @relation(fields: [storeAccountId], references: [id], onDelete: Restrict)
+  items        StoreWithdrawPayoutItem[]
+
+  @@index([storeId, status])
+  @@index([status, appliedAt])
+  @@map("store_withdraw_request")
+}
+
+model StoreWithdrawPayoutItem {
+  id                BigInt   @id @default(autoincrement()) @db.UnsignedBigInt
+  withdrawRequestId BigInt   @map("withdraw_request_id") @db.UnsignedBigInt
+  storePayoutId     BigInt   @unique @map("store_payout_id") @db.UnsignedBigInt
+  createdAt         DateTime @default(now()) @map("created_at") @db.DateTime(3)
+
+  withdrawRequest StoreWithdrawRequest @relation(fields: [withdrawRequestId], references: [id], onDelete: Cascade)
+  storePayout     StorePayout          @relation(fields: [storePayoutId], references: [id], onDelete: Restrict)
+
+  @@index([withdrawRequestId])
+  @@map("store_withdraw_payout_item")
+}
+
 model WineryBill {
   id           BigInt           @id @default(autoincrement()) @db.UnsignedBigInt
   billNo       String           @unique @map("bill_no") @db.VarChar(32)