借款材料区按需显示并前置缺项提示（09-17-company-loan-principal-repayment）

- 材料区只为仍缺的材料提供上传：原件已存显示可查看，在线确认后收起协议框，历史还款依据仅在登记期初小于原本金时出现
- 余额材料改中性文案（公司银行流水或代账明细账），确认字段改为“余额依据说明”，按钮改为“确认借款余额”并前置列出缺项
- 确认弹窗跟随最新列表状态：刷新中、刷新失败、版本变化、已确认或缺项时禁用按钮与提交
- 浏览器测试覆盖显隐、缺项、材料失效、在线确认失效、刷新与弹窗打开后状态变化；同步操作手册
- 只读复核 P2 已修复关闭；不改后端、接口与数据库

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

scripts/qa/company-loan-browser.cjs

@@ -76,15 +76,23 @@ module.exports = async function runBrowser({ app, finance, manager, ordinary, pa
       const card = page.locator('section').filter({ has: page.getByRole('heading', { name: `${lenderName} · ${loan.loan_no}`, exact: true }) });
       await findOnPages(page, card, 'company-loans');
       await card.locator('summary').click();
+      // No online statement for an external lender: the agreement is offered as
+      // one of two options, and every gap is named before confirmation.
+      await expect(card).toContainText('有效在线确认或协议/借款确认书，任选一种');
+      await expect(card.getByRole('button', { name: '去出借人确认查看或办理', exact: true })).toHaveCount(0);
+      await expect(card.locator(`[id="${loan.id}-missing"]`)).toHaveText('还缺：原借入凭据、余额核对材料、协议或借款确认书');
+      await expect(card.getByRole('button', { name: '确认借款余额', exact: true })).toBeDisabled();
       for (const kind of ['agreement', 'incoming', 'accounting_confirmation']) {
         const received = page.waitForResponse(r => r.url().endsWith(`/company-loans/${loan.id}/evidences/${kind}`) && r.request().method() === 'POST');
         await page.locator(`[id="${loan.id}-${kind}"]`).setInputFiles({ name: 'synthetic.pdf', mimeType: 'application/pdf',
           buffer: Buffer.from(`%PDF-1.4\n% synthetic-${kind}-${loan.id}\n1 0 obj << /Type /Catalog >> endobj\n%%EOF\n`) });
         assert.equal((await received).status(), 200);
       }
-      await card.getByRole('button', { name: '确认期初余额' }).click();
+      await expect(card.locator(`[id="${loan.id}-incoming"]`)).toHaveCount(0);
+      await expect(card).toContainText('已保存，可查看');
+      await card.getByRole('button', { name: '确认借款余额' }).click();
       dialog = page.getByRole('dialog');
-      await dialog.getByLabel('代账余额确认引用').fill('合成代账核对');
+      await dialog.getByLabel('余额依据说明').fill('合成银行流水核对');
       await dialog.getByRole('button', { name: '确认', exact: true }).click();
       await expect(dialog).not.toBeVisible();
       await expect(card).toContainText('余额已确认');