借款登记支持上传原借入回单识别预填（09-17-company-loan-principal-repayment）

- 新增识别与保存接口：可读 PDF 本地解析，必要时有界调用现有回单 OCR；预填上下文加密绑定经办人、文件和 30 分钟
- 适配建行单位客户专用回单表格版式：按位置归行排序、竖排栏头、顶行无标签日期、大小写金额
- 拦截非最终、失败/处理中、多笔交易（含跨页无关联、编号冲突）、非人民币、公司支出和其他收款主体
- 金额、日期、编号整段校验；借款与原件同事务保存，失败回滚并清理对象；同一出借人原件唯一
- 保存绑定所选出借人版本；前端冻结核对时版本，迟到结果与切换账号不覆盖、不重发
- 测试：单测、隔离 HTTP/浏览器、变异；对账浏览器场景固定 UTC；五轮独立复核通过
- 无新增迁移

Co-Authored-By: Claude Opus 5.5 <[email protected]>

client/src/api/companyLoans.ts

@@ -73,6 +73,30 @@ export function createLoanRepayment(body: { requestKey: string; lenderId: string
   allocations: Array<{ loanId: string; amount: string }> }) {
   return saveLoanAction<{ item: PaymentBatchDetail }>("/loan-repayments", body);
 }
+export type IncomingReceiptPrefill = {
+  context: string; expiresAt: string; ocr: "not_needed" | "used" | "unavailable" | "failed"; pageCount: number;
+  documentKind: "bank_receipt" | "unknown"; direction: "credit" | "debit" | null;
+  blocks: string[]; warnings: string[];
+  fieldIssues: Partial<Record<"amount" | "receivedDate" | "reference" | string, "missing" | "ambiguous" | "invalid">>;
+  sources: Partial<Record<string, "pdf_text" | "ocr">>;
+  fields: { originalPrincipal: string | null; receivedDate: string | null; originReference: string | null;
+    referenceKind: "serial" | "voucher" | null; currency: string | null; payerName: string | null; payerAccountMasked: string | null;
+    payeeName: string | null; payeeAccountMasked: string | null };
+  suggestions: { legalEntityId: string | null; lenderId: string | null };
+};
+export function recognizeIncomingReceipt(file: File, signal?: AbortSignal) {
+  const body = new FormData(); body.append("file", file);
+  return apiRequestData<IncomingReceiptPrefill>("/api/company-loans/incoming-receipt/recognize", { method: "POST", body, signal });
+}
+export function saveLoanFromIncomingReceipt(file: File, payload: {
+  context: string; requestKey: string; lenderId: string; expectedLenderIdentityVersion: number; expectedLenderAccountVersion: number;
+  originReference: string; originalPrincipal: string;
+  openingOutstandingPrincipal: string; receivedDate: string; balanceAsOf: string; historicalEntry: boolean;
+  originalChecked: true; natureConfirmed: true;
+}, signal?: AbortSignal) {
+  const body = new FormData(); body.append("payload", JSON.stringify(payload)); body.append("file", file);
+  return apiRequestData<{ item: CompanyLoan; created: boolean }>("/api/company-loans/from-incoming-receipt", { method: "POST", body, signal });
+}
 export function uploadLoanEvidence(id: string, kind: string, file: File) {
   const body = new FormData(); body.append("file", file);
   return apiRequestData<LoanEvidence>(`/api/company-loans/${id}/evidences/${kind}`, { method: "POST", body });

client/src/api/errorReasons.ts

@@ -1,4 +1,8 @@
 export const ERROR_REASON_MESSAGES: Record<string, string> = {
+  "loan.incoming_receipt_invalid": "请上传 5MB 以内、不超过 20 页的单份 PDF 原借入回单；文件损坏或无法安全读取时请改用手工登记。",
+  "loan.incoming_receipt_blocked": "该回单不能作为本笔借入原件：可能是非最终回执、失败或处理中、公司支出、多笔交易、非人民币或收款主体不符。请更换正式入账回单或改用手工登记。",
+  "loan.incoming_receipt_context_invalid": "识别结果已过期，或与当前账号、所选文件不一致，请重新上传并识别。",
+  "loan.incoming_receipt_duplicate": "该原件已用于本出借人的其他借款登记，不能重复登记；请核对已有借款。",
   "loan.employee_source_incomplete": "员工姓名或收款资料不完整、不可用或银行不受支持，请在员工资料中核对维护。",
   "loan.employee_source_changed": "员工资料已变化，请重新加载并核对后再保存。",
   "loan.employee_lender_conflict": "该员工在本公司存在重复、归档或已变化的出借人关联，请核对原记录，不能另建或自动合并。",