借款对账 S4–S8：人工未提交、晚到补记、追回与界面收口（09-17-company-loan-principal-repayment）

新增三类证据与双人复核的人工未提交、逐原因冻结、晚到付款逐借款补记和实际退款追回；补齐对账与补证恢复界面，保护已消费依据、最终归属重验及全局交易唯一性。

验证：81 迁移、HTTP 95 组、浏览器 13 组、数据库约束 9 组；13 项有效变异被捕获，部分由下游或数据库保护检出。构建、类型、合同和治理检查通过；修复后同模型只读静态复核通过。

真实回单待验、整体业务验收未通过；S0 存量、人员、银行材料与业务独立验收未完成。3 个新增迁移须纳入获批发布清单。本次仅本地提交，不推送、不部署。

client/src/api/companyLoans.ts

@@ -17,7 +17,7 @@ export type CompanyLoan = {
   outstanding: string; available: string; reserved: string; settled: string;
   evidences: LoanEvidence[]; accountingConfirmationRef: string | null;
 };
-export type LoanRepayment = {
+export type LoanRepayment = LoanReconciliation & {
   id: string; repaymentNo: string; lenderId: string; lenderName: string; amount: string; reason: string;
   bankResultState: string; paymentBatchId: string; status: string;
   accountingHandoffRef: string | null; accountingHandoffAt: string | null;
@@ -61,3 +61,43 @@ export function uploadLoanEvidence(id: string, kind: string, file: File) {
 export function downloadLoanEvidence(id: string, evidenceId: string, reason: string, paymentBatchId?: string) {
   return apiRequestBlob(`/api/company-loans/${id}/evidences/${evidenceId}/download`, { method: "POST", body: JSON.stringify({ reason, paymentBatchId }) });
 }
+
+export type LoanReconciliation = {
+  failureAttributions?: Array<{ id: string; status: string; proposedBy: string; basisNote: string; exclusionNote: string; coveredSubmissionIds: string[]; failureScope: string; receiptAttachmentIds: string[] }>;
+  bankSubmissions?: {
+    exports: Array<{ id: string; sequence: number; exportedAt: string; exportedBy: string; customerSerials: string[] }>;
+    legacy: { knownExportCount: number; unknownFacts: string[] } | null;
+    submissions: Array<{ id: string; exportId: string | null; bankInstructionRef: string; status: string; submittedAt: string; registeredBy: string; note: string }>;
+    attestation: { id: string; status: string; proposedBy: string; stale: boolean } | null;
+  };
+  terminal?: {
+    evidences: Array<{ id: string; originalName: string; evidenceKind: string; voided: boolean }>;
+    facts: Array<{ id: string; submissionId: string; status: string; proposedBy: string; kind: string; note: string; terminalStatus: string; evidenceId: string | null; receiptAttachmentId: string | null; resolvesAttachmentIds: string[] }>;
+  };
+  releaseRecovery?: {
+    current: { id: string; sequence: number; status: string; stale: boolean } | null;
+    history: Array<{ id: string; sequence: number; status: string; startedBy: string; reason: string }>;
+  };
+  notSubmitted?: { history: Array<{ id: string; sequence: number; status: string; proposedBy: string; stale: boolean;
+    payload: { exportIds: string[]; queryEvidenceId: string; statementEvidenceId: string; exporterStatements: Array<{ exporterId: string; evidenceId: string }>; coverageFrom: string; coverageThrough: string; note: string }; reviews: Array<{ reviewedBy: string; decision: string; reason: string }> }> };
+  freeze?: { frozen: boolean; reasons: Array<{ id: string; kind: string; status: string; paymentBatchId: string }> };
+  bankResults?: { events: Array<{ id: string; kind: string; parentId: string | null; evidenceId: string; status: string; amount: string;
+    proposedBy: string; reviewedBy: string | null; reviewNote: string | null; outstandingReturn: string | null;
+    settlements: Array<{ loanId: string; bankAmount: string; settledAmount: string; receivableAmount: string }> }> };
+};
+export function uploadLoanBankEvidence(batchId: string, kind: string, file: File) {
+  const body = new FormData(); body.append("file", file);
+  return apiRequestData<{ id: string }>(`/api/payment-batches/${batchId}/loan-terminal-evidences?kind=${encodeURIComponent(kind)}`, { method: "POST", body });
+}
+export function downloadLoanBankEvidence(batchId: string, id: string, reason: string) {
+  return apiRequestBlob(`/api/payment-batches/${batchId}/loan-terminal-evidences/${id}/file`, { headers: { "x-access-reason": encodeURIComponent(reason) } });
+}
+
+export function readLoanBankResultDetails(batchId: string, id: string, reason: string) {
+  return apiRequestData<{ fields: Array<{ Name: string; Value: string }>; attributionNote: string; exclusionNote: string }>(`/api/payment-batches/${batchId}/loan-bank-results/${id}/details`, { headers: { "x-access-reason": encodeURIComponent(reason) } });
+}
+
+export function downloadLoanReconciliationReceipt(batchId: string, attachmentId: string, reason: string) {
+  const query = new URLSearchParams({ purpose: "loan_reconciliation", reason });
+  return apiRequestBlob(`/api/payment-batches/${batchId}/receipt-attachments/${attachmentId}/file?${query}`);
+}

client/src/api/errorReasons.ts

@@ -1,4 +1,7 @@
 export const ERROR_REASON_MESSAGES: Record<string, string> = {
+  "loan.bank_result_reconcile_required": "银行对账事实、归属或证据尚不满足条件，请补齐材料并独立复核；占用或冻结继续保留。",
+  "loan.lender_frozen": "该出借人存在尚未处理的银行对账事项，暂停新还款、复核和导出；仍可登记银行事实并对账。",
+  "loan.not_submitted_invalid": "人工未提交的证据、清单或双人复核不满足要求，请补齐后重新登记复核。",
   "loan.recovery_required": "释放依据已进入补证流程，须完成最新一轮独立复核后才能取消释放。",
   "loan.recovery_unavailable": "当前批次或恢复轮次不支持此操作；已释放、已核销的还款不能重新开启。",
   "loan.recovery_exists": "已有补证中或有效的恢复复核，请继续处理当前轮次。",