借款出借人线上确认借款并以站内通知直达（09-17-company-loan-principal-repayment）

- 新增出借人确认声明：财务发起，出借人本人查看原件后确认或退回；快照与决定不可改删，金额、日期、原件或身份变化后整组失效
- 余额确认接受纸质协议或有效线上声明二选一，代账余额核对材料仍必需；声明与公司代表授权分离
- 普通员工无常驻入口，财务发起后仅通知对应出借人并直达确认页
- 新增迁移 20261010010000_loan_lender_acknowledgements（仅新增三表）
- 测试：单测、隔离 HTTP/浏览器、完整借款回归；独立只读复核无阻断；同步发布记录与操作手册

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

server/src/constants/errorReasons.js

@@ -29,7 +29,11 @@ const ERROR_REASONS = [
   {"code":"loan.account_unavailable","domain":"loan","audience":"user","defaultMessage":"借款收款资料暂不可用，请联系财务核对账户加密配置。","recovery":"follow_guidance"},
   {"code":"loan.duplicate_registration","domain":"loan","audience":"user","defaultMessage":"该借入凭据已登记，或此请求已使用，请查看原记录，勿重复登记。","recovery":"follow_guidance"},
   {"code":"loan.confirmed_immutable","domain":"loan","audience":"user","defaultMessage":"借款余额已确认，不能覆盖修改；请保留原记录并发起纠错核查。","recovery":"follow_guidance"},
-  {"code":"loan.evidence_required","domain":"loan","audience":"user","defaultMessage":"请先上传协议、原借入凭据和余额核对材料；期初余额低于原本金还须补齐系统外还款依据。","recovery":"follow_guidance"},
+  {"code":"loan.lender_ack_scope_invalid","domain":"loan","audience":"user","defaultMessage":"请选择同一公司、同一已关联员工出借人的待核实借款或声明已失效的借款，并先上传原借入凭据；经办人与出借人须分开。","recovery":"follow_guidance"},
+  {"code":"loan.lender_ack_exists","domain":"loan","audience":"user","defaultMessage":"所选借款已有待确认或有效的出借人声明，请查看现有记录。","recovery":"follow_guidance"},
+  {"code":"loan.lender_ack_changed","domain":"loan","audience":"user","defaultMessage":"借款内容、原件或出借人资料已变化，请由财务重新发起确认。","recovery":"follow_guidance"},
+  {"code":"loan.lender_ack_decided","domain":"loan","audience":"user","defaultMessage":"这份借款声明已经处理，请查看确认记录；退回后可由财务重新发起。","recovery":"follow_guidance"},
+  {"code":"loan.evidence_required","domain":"loan","audience":"user","defaultMessage":"请提供协议或有效的出借人在线确认，并上传原借入凭据和余额核对材料；期初余额低于原本金还须补齐系统外还款依据。","recovery":"follow_guidance"},
   {"code":"loan.evidence_invalid","domain":"loan","audience":"user","defaultMessage":"借款材料不符合要求，请使用有效的 PDF 或图片文件。","recovery":"follow_guidance"},
   {"code":"loan.balance_unconfirmed","domain":"loan","audience":"user","defaultMessage":"借款余额尚未核实，不能申请归还本金。","recovery":"follow_guidance"},
   {"code":"loan.allocation_invalid","domain":"loan","audience":"user","defaultMessage":"分配金额超过可还本金，或借款不属于同一公司和出借人，请重新核对。","recovery":"follow_guidance"},

server/src/constants/notificationTypes.js

@@ -20,6 +20,7 @@ const NOTIFICATION_TYPES = Object.freeze({
   paymentBatchReviewRequested: 'payment_batch.review_requested',
   paymentBatchExecutionRequested: 'payment_batch.execution_requested',
   paymentBatchReturned: 'payment_batch.returned',
+  loanLenderAcknowledgementRequested: 'loan.lender_acknowledgement_requested',
   leaveApproved: 'leave.approved',
   leaveRejected: 'leave.rejected',
   leaveReturned: 'leave.returned',

server/src/constants/permissions.js

@@ -41,6 +41,7 @@ const MASTERDATA_VIEW_PERMISSIONS = ["masterdata.view"];
 const MASTERDATA_MANAGE_PERMISSIONS = ["masterdata.manage"];
 
 const EMPLOYEE_BASE_PERMISSIONS = [
+  "loan.acknowledge_own",
   ...EXPENSE_SELF_SERVICE_PERMISSIONS,
   ...LEAVE_SELF_SERVICE_PERMISSIONS,
   ...ATTENDANCE_SELF_SERVICE_PERMISSIONS,