diff --git a/backend/app/services/protocol_transfer_status.py b/backend/app/services/protocol_transfer_status.py
index a54220e4..b3cd4d82 100644
--- a/backend/app/services/protocol_transfer_status.py
+++ b/backend/app/services/protocol_transfer_status.py
@@ -14,6 +14,16 @@ def can_confirm_receipt(pay_status: Optional[str]) -> bool:
     return (pay_status or "").strip() == "jfqrz"
 
 
+def can_withdraw_receipt(pay_status: Optional[str]) -> bool:
+    """仅缴费确认中可撤回为待缴费。"""
+    return (pay_status or "").strip() == "jfqrz"
+
+
+def can_edit_transfer(pay_status: Optional[str]) -> bool:
+    """财务确认收款（yjf）前可编辑：待缴费 / 缴费确认中。"""
+    return (pay_status or "").strip() in ("dfj", "jfqrz")
+
+
 def schedule_paid_and_arrears(
     *,
     due: Union[Decimal, float, int, str, None],
diff --git a/backend/tests/test_presign_order.py b/backend/tests/test_presign_order.py
index a80d284b..8daf6536 100644
--- a/backend/tests/test_presign_order.py
+++ b/backend/tests/test_presign_order.py
@@ -13,6 +13,22 @@ class TestPresignTransferStatus(unittest.TestCase):
         self.assertTrue(can_confirm_receipt("jfqrz"))
         self.assertFalse(can_confirm_receipt("dfj"))
 
+    def test_can_withdraw_only_jfqrz(self):
+        from app.services.protocol_transfer_status import can_withdraw_receipt
+
+        self.assertTrue(can_withdraw_receipt("jfqrz"))
+        self.assertFalse(can_withdraw_receipt("dfj"))
+        self.assertFalse(can_withdraw_receipt("yjf"))
+        self.assertFalse(can_withdraw_receipt(None))
+        self.assertFalse(can_withdraw_receipt(""))
+
+
+class TestFinanceTransferFields(unittest.TestCase):
+    def test_sample_type_names_helper_exists(self):
+        from app.crud.presign_order import _sample_type_names
+
+        self.assertTrue(callable(_sample_type_names))
+
 
 class TestConvertRules(unittest.TestCase):
     def test_convert_requires_active_status(self):
@@ -26,5 +42,59 @@ class TestConvertRules(unittest.TestCase):
         assert_presign_convertible(order_status="draft")
 
 
+class TestConvertStaffMapping(unittest.TestCase):
+    """转正式：采集专员→采集专员+市场专员；采集经理→地区经理。"""
+
+    def test_collector_fills_collector_and_sales(self):
+        from app.crud.presign_order import resolve_convert_staff_fields
+
+        out = resolve_convert_staff_fields(
+            collector_user_id="c1",
+            sales_user_id="s1",
+            region_manager_user_id="m1",
+            fallback_user_id="u0",
+        )
+        self.assertEqual(out["collector_user_id"], "c1")
+        self.assertEqual(out["sales_user_id"], "c1")
+        self.assertEqual(out["region_manager_user_id"], "m1")
+
+    def test_collector_fallback_to_operator_when_empty(self):
+        from app.crud.presign_order import resolve_convert_staff_fields
+
+        out = resolve_convert_staff_fields(
+            collector_user_id=None,
+            sales_user_id="s1",
+            region_manager_user_id="",
+            fallback_user_id="u0",
+        )
+        self.assertEqual(out["collector_user_id"], "u0")
+        self.assertEqual(out["sales_user_id"], "u0")
+        self.assertIsNone(out["region_manager_user_id"])
+
+
+class TestProtocolDepositAssociation(unittest.TestCase):
+    """正式协议意向金通过 source_presign_order_id 关联预签，不落快照表。"""
+
+    def test_list_deposit_transfers_for_protocol_uses_presign_source(self):
+        from app.crud.protocol_sample_payment import list_deposit_transfers_for_protocol
+
+        # 无来源预签时返回空列表
+        class _FakeDb:
+            pass
+
+        self.assertEqual(
+            list_deposit_transfers_for_protocol(
+                _FakeDb(), source_presign_order_id=None, tenant_no="t1"
+            ),
+            [],
+        )
+        self.assertEqual(
+            list_deposit_transfers_for_protocol(
+                _FakeDb(), source_presign_order_id="  ", tenant_no="t1"
+            ),
+            [],
+        )
+
+
 if __name__ == "__main__":
     unittest.main()