优化

finance/src/test/java/com/baiyue/finance/FinanceSettlementBehaviorTest.java

@@ -396,6 +396,22 @@ class FinanceSettlementBehaviorTest {
         verify(jdbc, never()).update(any(PreparedStatementCreator.class), any(KeyHolder.class));
     }
 
+    @Test
+    void directPaidSourceCannotEnterPayableSettlement() {
+        JdbcTemplate jdbc = org.mockito.Mockito.mock(JdbcTemplate.class);
+        when(jdbc.queryForList(startsWith("SELECT request_hash"), eq(10L), eq(7L),
+            eq("SETTLEMENT_AP_CREATE"), eq("ap-direct"))).thenReturn(List.of());
+        Map<String, Object> source = payableSource(10L, 20L);
+        source.put("settlement_mode", "DIRECT_PAID");
+        when(jdbc.queryForList(startsWith("SELECT id,customer_id"), eq(31L))).thenReturn(List.of(source));
+        FinanceSettlementService service = service(jdbc, org.mockito.Mockito.mock(FinanceFileClient.class));
+
+        assertCode(() -> service.createPayableSettlement(7L, "ap-direct",
+            new CreatePayableSettlementRequest(10L, 20L, List.of(31L),
+                LocalDate.of(2026, 9, 30), "CNY")), "FIN_409");
+        verify(jdbc, never()).update(startsWith("INSERT INTO fin_settlement"), any(Object[].class));
+    }
+
     @Test
     void payableCreationRejectsMixedSupplierIneligibleAndOccupiedSources() {
         for (String condition : List.of("supplier", "ineligible", "occupied")) {
@@ -649,6 +665,7 @@ class FinanceSettlementBehaviorTest {
             Map.entry("id", 31L), Map.entry("customer_id", customerId), Map.entry("direction", "PAYABLE"),
             Map.entry("currency_code", "CNY"), Map.entry("status", "AVAILABLE"),
             Map.entry("amount", new BigDecimal("100.00")), Map.entry("review_status", "APPROVED"),
+            Map.entry("settlement_mode", "ON_ACCOUNT"),
             Map.entry("supplier_id", supplierId),
             Map.entry("fee_item_code", "FBA_HEAD_FREIGHT"), Map.entry("fee_item_name", "头程运费"),
             Map.entry("supplier_name", "供应商20"), Map.entry("source_snapshot",