feat: P9 #4 — 출금 가용한도를 환수채권 상계 후 실지급액(payable_amount)으로 전환

P9에서 산출하던 payable_amount(=환수 상계 후 실지급액)가 출금 한도에 미반영
(cosmetic)이던 것을 연결. 이제 환수채권 회수가 모바일 출금 가용액을 정확히 줄인다.

- V112: 기존 settle_master.payable_amount 백필 = GREATEST(net_amount,0)
  (V111에서 DEFAULT 0 추가됨 → 구 데이터 보정. clawback 무활동 행만 대상=멱등).
- core: SettleMasterMapper.xml cols에 clawback_recovered/carryover/payable_amount 추가,
  SettleMasterResp 3필드 노출.
- api: MobileMeService.withdrawableBalance 한도 산정을 net→payable_amount 기준으로
  (payable null이면 max(net,0) 폴백). WithdrawableBalance DTO에 payableAmount 추가,
  remainingAmount = payable − used. createWithdrawRequest 가드도 자동 반영.
- PWA: withdraw.ts 타입 + WithdrawCreate 드롭다운/카드를 '실지급가능(payable)' 표기로.

검증: ./gradlew build(test포함) SUCCESSFUL, PWA tsc 0오류. Flyway V112 적용(schema v112).
백필 150/150 행 payable==max(net,0). 라이브 agent01 withdrawable-balance가 payableAmount
노출 + remaining=payable−used(13492−151000=-137508) 정확.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

ga-mobile-pwa/src/api/withdraw.ts

@@ -29,6 +29,7 @@ export interface SettleMasterResp {
   settleId: number;
   settleMonth: string;
   netAmount?: number;
+  payableAmount?: number;
   grossAmount?: number;
   status?: string;
   statusName?: string;
@@ -44,6 +45,7 @@ export interface WithdrawCreateReq {
 export interface WithdrawableBalance {
   settleId: number;
   netAmount: number;
+  payableAmount: number;
   usedAmount: number;
   remainingAmount: number;
 }

ga-mobile-pwa/src/pages/WithdrawCreate.tsx

@@ -36,7 +36,7 @@ export default function WithdrawCreate() {
   const pickerColumns: PickerColumn[] = useMemo(
     () => [
       settleMasters.map((s: SettleMasterResp) => ({
-        label: `${s.settleMonth} · 실수령 ${fmt(s.netAmount)}원`,
+        label: `${s.settleMonth} · 실지급가능 ${fmt(s.payableAmount ?? s.netAmount)}원`,
         value: String(s.settleId),
       })),
     ],
@@ -94,7 +94,7 @@ export default function WithdrawCreate() {
             {fmt(balance.remainingAmount)}원
           </div>
           <div style={{ color: '#999', fontSize: 12, marginTop: 4 }}>
-            실수령 {fmt(balance.netAmount)}원 · 신청중 {fmt(balance.usedAmount)}원
+            실지급가능 {fmt(balance.payableAmount)}원 · 신청중 {fmt(balance.usedAmount)}원
           </div>
         </div>
       )}