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

frontend/src/app/founder/copilot/page.tsx

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+/** 创始人端 AI 副驾驶页面 — 占位。 */
+
+import { EmptyState } from "@/components/shared/EmptyState";
+
+export default function FounderCopilotPage() {
+  return (
+    <div className="space-y-6">
+      <h1 className="text-2xl font-bold text-foreground">AI 副驾驶</h1>
+      <EmptyState title="AI 副驾驶" description="对话功能开发中" />
+    </div>
+  );
+}

frontend/src/app/founder/layout.tsx

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+/** 创始人端布局 — C 端温暖风格：顶部 Header + indigo 主色。 */
+
+import { Home, FileText, Sparkle } from "lucide-react";
+import Link from "next/link";
+
+const navItems = [
+  { href: "/founder", label: "概览", icon: Home },
+  { href: "/founder/reports", label: "月报", icon: FileText },
+  { href: "/founder/copilot", label: "AI 副驾驶", icon: Sparkle },
+];
+
+export default function FounderLayout({ children }: { children: React.ReactNode }) {
+  return (
+    <div className="min-h-screen bg-gradient-to-b from-indigo-50 to-white">
+      {/* 顶部 Header */}
+      <header className="sticky top-0 z-10 flex h-14 items-center bg-white/95 px-4 backdrop-blur md:px-6">
+        <span className="font-bold text-[var(--founder-primary)]">AIPortPilot</span>
+        <span className="ml-2 text-xs text-muted-foreground">创始人端</span>
+      </header>
+
+      {/* 内容区 */}
+      <main className="container mx-auto max-w-7xl px-4 py-6 pb-20 md:pb-6">{children}</main>
+
+      {/* 移动端底部导航 */}
+      <nav className="fixed bottom-0 left-0 right-0 flex h-14 border-t bg-white md:hidden">
+        {navItems.map((item) => (
+          <Link
+            key={item.href}
+            href={item.href}
+            className="flex flex-1 flex-col items-center justify-center gap-0.5 text-xs text-muted-foreground"
+          >
+            <item.icon size={20} aria-hidden="true" />
+            {item.label}
+          </Link>
+        ))}
+      </nav>
+    </div>
+  );
+}

frontend/src/app/founder/page.tsx

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+/** 创始人端经营概览 — 占位页面。 */
+
+import { LoadingSpinner } from "@/components/shared/LoadingSpinner";
+
+export default function FounderHomePage() {
+  return (
+    <div className="space-y-6">
+      <div>
+        <h1 className="text-2xl font-bold text-foreground">企业经营概览</h1>
+        <p className="mt-1 text-sm text-muted-foreground">关键指标与健康度一览</p>
+      </div>
+      <LoadingSpinner className="py-20" size={32} />
+    </div>
+  );
+}

frontend/src/app/founder/reports/page.tsx

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+/** 创始人端月报页面 — 占位。 */
+
+import { EmptyState } from "@/components/shared/EmptyState";
+
+export default function FounderReportsPage() {
+  return (
+    <div className="space-y-6">
+      <h1 className="text-2xl font-bold text-foreground">月报管理</h1>
+      <EmptyState title="暂无月报" description="月报提交功能开发中" />
+    </div>
+  );
+}