1. 是的，它可以多线程，但是通常使用Celery来完成。你可以在celery-django教程中阅读有关操作方法的信息。
2. 实际上，你很少要强迫用户等待网站。虽然总比超时有好处。
   这是你正在描述的示例。

User sends request
Django receives => spawns a thread to do something else.
main thread finishes && other thread finishes 
... (later upon completion of both tasks)
response is sent to user as a package.

更好的方法：

User sends request
Django receives => lets Celery know "hey! do this!"
main thread finishes
response is sent to user
...(later)
user receives balance of transaction