fix: 转账权限只隐藏转账相关功能，消费/收款明细保留

- 账户充值/转账管理 tab: v-if="hasTransferPermission"
- AccountOverview: transferEnabled=false时隐藏流程步骤+快捷操作
- 消费记录/收款记录 tab 不受影响

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

@@ -8,7 +8,7 @@
         </div>
       </template>
 
-      <el-steps :active="currentStep" align-center finish-status="success" class="mb-6">
+      <el-steps v-if="props.transferEnabled !== false" :active="currentStep" align-center finish-status="success" class="mb-6">
         <el-step title="签约授权" :description="stepSignDesc" />
         <el-step title="提交进件" :description="stepOnboardDesc" />
         <el-step title="开通记账本" :description="stepAccountDesc" />
@@ -38,7 +38,7 @@
         </div>
       </template> -->
 
-      <div class="quick-actions">
+      <div v-if="props.transferEnabled !== false" class="quick-actions">
         <div
           class="action-item"
           :class="{ disabled: authorizeStatus === 'AUTHORIZED' || !!accountData.account_book_id }"
@@ -304,6 +304,7 @@ import en from "@/lang/package/en";
 
 const props = defineProps<{
   enterpriseId?: string;
+  transferEnabled?: boolean;
 }>();
 
 const emit = defineEmits<{

frontend/src/views/module_payment/account/index.vue

@@ -1,12 +1,10 @@
 <template>
   <div v-loading="pageLoading" class="app-container" :element-loading-text="loadingText">
-    <div v-if="!hasTransferPermission" style="text-align: center; padding: 80px 0; color: #999">
-      当前企业未开通转账功能
-    </div>
-    <el-tabs v-else v-model="activeTab" class="account-tabs" type="card">
+    <el-tabs v-model="activeTab" class="account-tabs" type="card">
       <el-tab-pane label="账户概览" name="overview">
         <AccountOverview ref="overviewRef" :enterprise-id="currentEnterpriseId" @refresh="handleOverviewRefresh"
-          @goTab="handleGoTab" @withdraw="withdrawVisible = true" />
+          @goTab="handleGoTab" @withdraw="withdrawVisible = true"
+          :transfer-enabled="hasTransferPermission" />
       </el-tab-pane>
 
       <!-- <el-tab-pane label="转账授权签约" name="authorize">
@@ -106,7 +104,7 @@
         </div>
       </el-tab-pane> -->
 
-      <el-tab-pane label="账户充值" name="deposit">
+      <el-tab-pane v-if="hasTransferPermission" label="账户充值" name="deposit">
         <div class="tab-content">
           <el-card>
             <template #header>
@@ -179,7 +177,7 @@
         </div>
       </el-tab-pane>
 
-      <el-tab-pane label="转账管理" name="transfer">
+      <el-tab-pane v-if="hasTransferPermission" label="转账管理" name="transfer">
         <div class="tab-content">
           <el-card>
             <template #header>

logs/payment-platform.log

@@ -27,3 +27,6 @@
 2026-07-16 10:17:12.244 [tomcat-handler-0] INFO  o.s.web.servlet.DispatcherServlet - Completed initialization in 2 ms
 2026-07-16 10:17:22.528 [tomcat-handler-7] INFO  c.p.p.m.s.auth.service.AuthService - 用户ID: 1, 用户名: admin 正在生成JWT令牌
 2026-07-16 10:17:22.618 [tomcat-handler-7] INFO  c.p.p.m.s.a.c.AuthController - 用户admin登录成功
+2026-07-16 10:21:53.579 [tomcat-handler-28] INFO  c.p.p.m.s.auth.service.AuthService - 用户退出登录成功,会话编号:6845631e-e62f-4795-8a8b-061a8641fa45
+2026-07-16 10:22:00.630 [tomcat-handler-31] INFO  c.p.p.m.s.auth.service.AuthService - 用户ID: 2, 用户名: q 正在生成JWT令牌
+2026-07-16 10:22:00.712 [tomcat-handler-31] INFO  c.p.p.m.s.a.c.AuthController - 用户q登录成功