fix: 开通按钮条件修正 — 签约且进件通过才启用

- disabled: authorizeStatus!==AUTHORIZED || onboard_status!==VALID || 已开通
- 描述也加了: 需进件审核通过

frontend/src/views/module_payment/account/components/AccountOverview.vue

@@ -80,7 +80,7 @@
 
         <div
           class="action-item"
-          :class="{ disabled: accountData.onboard_status !== 'VALID' || !!accountData.account_book_id }"
+          :class="{ disabled: authorizeStatus !== 'AUTHORIZED' || accountData.onboard_status !== 'VALID' || !!accountData.account_book_id }"
         >
           <div class="action-icon">
             <el-icon :size="32"><Coin /></el-icon>
@@ -89,12 +89,13 @@
           <div class="action-desc">
             <template v-if="accountData.account_book_id">已开通</template>
             <template v-else-if="authorizeStatus !== 'AUTHORIZED'">需先签约</template>
+            <template v-else-if="accountData.onboard_status !== 'VALID'">需进件审核通过</template>
             <template v-else>立即开通</template>
           </div>
           <el-button
             v-hasPerm="['module_payment:account:create']"
             type="primary"
-            :disabled="authorizeStatus === 'AUTHORIZED' || !!accountData.account_book_id"
+            :disabled="authorizeStatus !== 'AUTHORIZED' || !!accountData.account_book_id || accountData.onboard_status !== 'VALID'"
             @click="$emit('goTab', 'create')"
           >
             {{ accountData.account_book_id ? "已开通" : "去开通" }}