feat(backend): Phase 0 项目骨架完成 — 后端/前端/数据库/Docker

- 后端：FastAPI + SQLAlchemy + Alembic，7 张核心表迁移成功
- 前端：Next.js 16 + TailwindCSS 4 + 三端布局（投资人/创始人/Admin）
- 数据库：PostgreSQL 16，7 张核心实体表（tenants/users/companies/monthly_reports/health_scores/risk_events/audit_logs）
- Docker：docker-compose.yml + 前后端 Dockerfile
- 测试：健康检查 4 个测试全部 GREEN
- 文档：README/run.md/AGENTS.md/docs 体系完整

backend/pyproject.toml

@@ -0,0 +1,50 @@
+[project]
+name = "aiportpilot-backend"
+version = "0.1.0"
+description = "AI+ Portfolio Operating System - 后端"
+requires-python = ">=3.12"
+dependencies = [
+    "fastapi>=0.115.0",
+    "uvicorn[standard]>=0.34.0",
+    "sqlalchemy[asyncio]>=2.0.36",
+    "asyncpg>=0.30.0",
+    "alembic>=1.14.0",
+    "pydantic>=2.10.0",
+    "pydantic-settings>=2.6.0",
+    "python-jose[cryptography]>=3.3.0",
+    "passlib[bcrypt]>=1.7.4",
+    "python-multipart>=0.0.17",
+    "redis[asyncio]>=5.2.0",
+    "httpx>=0.28.0",
+    "pgvector>=0.3.6",
+    "langchain>=0.3.0",
+    "langchain-ollama>=0.2.0",
+    "structlog>=24.4.0",
+]
+
+[project.optional-dependencies]
+dev = [
+    "pytest>=8.3.0",
+    "pytest-asyncio>=0.24.0",
+    "pytest-cov>=6.0.0",
+    "httpx>=0.28.0",
+    "testcontainers[postgres]>=4.0.0",
+    "ruff>=0.8.0",
+    "mypy>=1.13.0",
+]
+
+[tool.ruff]
+target-version = "py312"
+line-length = 100
+
+[tool.ruff.lint]
+select = ["E", "F", "I", "N", "W", "UP"]
+
+[tool.pytest.ini_options]
+asyncio_mode = "auto"
+testpaths = ["tests"]
+addopts = "-v --tb=short"
+
+[tool.mypy]
+python_version = "3.12"
+strict = true