diff --git a/frontend/src/app/(founder)/reports/submit/page.tsx b/frontend/src/app/(founder)/reports/submit/page.tsx
new file mode 100644
index 0000000..3fc5e15
--- /dev/null
+++ b/frontend/src/app/(founder)/reports/submit/page.tsx
@@ -0,0 +1,146 @@
+"use client";
+
+import { useState } from "react";
+import { FileText, Send, Loader2 } from "lucide-react";
+import { listCompanies, type Company } from "@/lib/companies";
+import { createReport, submitReport } from "@/lib/reports";
+import { useEffect } from "react";
+
+/**
+ * 创始人端 — 提交月报页。
+ */
+export default function FounderReportSubmitPage() {
+  const [companies, setCompanies] = useState<Company[]>([]);
+  const [companyId, setCompanyId] = useState("");
+  const [year, setYear] = useState(new Date().getFullYear());
+  const [month, setMonth] = useState(new Date().getMonth() + 1);
+  const [content, setContent] = useState("");
+  const [isLoading, setIsLoading] = useState(false);
+  const [message, setMessage] = useState("");
+
+  useEffect(() => {
+    async function load() {
+      try {
+        const resp = await listCompanies({ page: 1, page_size: 100 });
+        if (resp.data) {
+          setCompanies(resp.data.items);
+          if (resp.data.items.length > 0) setCompanyId(resp.data.items[0].id);
+        }
+      } catch {
+        // ignore
+      }
+    }
+    load();
+  }, []);
+
+  async function handleSubmit() {
+    if (!companyId || !content.trim()) return;
+    setIsLoading(true);
+    setMessage("");
+    try {
+      const createResp = await createReport({
+        company_id: companyId,
+        period_year: year,
+        period_month: month,
+        raw_content: content,
+      });
+      if (createResp.data) {
+        const submitResp = await submitReport(createResp.data.id);
+        if (submitResp.data) {
+          setMessage("月报已提交成功！等待 AI 解析...");
+          setContent("");
+        }
+      }
+    } catch (err) {
+      setMessage(err instanceof Error ? err.message : "提交失败");
+    } finally {
+      setIsLoading(false);
+    }
+  }
+
+  return (
+    <div className="space-y-6">
+      <div>
+        <h1 className="text-2xl font-bold text-foreground">提交月报</h1>
+        <p className="mt-1 text-sm text-muted-foreground">填写本月经营情况，提交后 AI 将自动解析</p>
+      </div>
+
+      {/* 表单 */}
+      <div className="max-w-2xl space-y-4 rounded-lg border bg-white p-6 shadow-sm">
+        {/* 企业选择 */}
+        <div>
+          <label className="mb-1 block text-sm font-medium">选择企业</label>
+          <select
+            value={companyId}
+            onChange={(e) => setCompanyId(e.target.value)}
+            className="w-full rounded-md border bg-background px-3 py-2 text-sm focus:outline-none focus:ring-2 focus:ring-[var(--founder-primary)]"
+          >
+            {companies.map((c) => (
+              <option key={c.id} value={c.id}>{c.name}</option>
+            ))}
+          </select>
+        </div>
+
+        {/* 年月选择 */}
+        <div className="flex gap-4">
+          <div className="flex-1">
+            <label className="mb-1 block text-sm font-medium">年份</label>
+            <select
+              value={year}
+              onChange={(e) => setYear(Number(e.target.value))}
+              className="w-full rounded-md border bg-background px-3 py-2 text-sm focus:outline-none focus:ring-2 focus:ring-[var(--founder-primary)]"
+            >
+              {[2024, 2025, 2026, 2027].map((y) => (
+                <option key={y} value={y}>{y}年</option>
+              ))}
+            </select>
+          </div>
+          <div className="flex-1">
+            <label className="mb-1 block text-sm font-medium">月份</label>
+            <select
+              value={month}
+              onChange={(e) => setMonth(Number(e.target.value))}
+              className="w-full rounded-md border bg-background px-3 py-2 text-sm focus:outline-none focus:ring-2 focus:ring-[var(--founder-primary)]"
+            >
+              {Array.from({ length: 12 }, (_, i) => i + 1).map((m) => (
+                <option key={m} value={m}>{m}月</option>
+              ))}
+            </select>
+          </div>
+        </div>
+
+        {/* 月报内容 */}
+        <div>
+          <label className="mb-1 block text-sm font-medium">月报内容</label>
+          <textarea
+            value={content}
+            onChange={(e) => setContent(e.target.value)}
+            rows={12}
+            placeholder="请填写本月经营情况，包括：&#10;1. 营收及变化&#10;2. 现金余额及跑道&#10;3. 团队变动&#10;4. 关键业务进展&#10;5. 面临的挑战和需求"
+            className="w-full rounded-md border bg-background px-3 py-2 text-sm focus:outline-none focus:ring-2 focus:ring-[var(--founder-primary)]"
+          />
+        </div>
+
+        {/* 提交按钮 */}
+        <button
+          onClick={handleSubmit}
+          disabled={isLoading || !companyId || !content.trim()}
+          className="flex items-center gap-2 rounded-md bg-[var(--founder-primary)] px-6 py-2.5 text-sm font-medium text-white hover:opacity-90 disabled:opacity-50"
+        >
+          {isLoading ? (
+            <Loader2 size={16} className="animate-spin" aria-hidden="true" />
+          ) : (
+            <Send size={16} aria-hidden="true" />
+          )}
+          提交月报
+        </button>
+
+        {message && (
+          <p className={`text-sm ${message.includes("成功") ? "text-emerald-600" : "text-rose-600"}`}>
+            {message}
+          </p>
+        )}
+      </div>
+    </div>
+  );
+}
diff --git a/frontend/src/app/(investor)/layout.tsx b/frontend/src/app/(investor)/layout.tsx
index 0e2d20b..c1b4338 100644
--- a/frontend/src/app/(investor)/layout.tsx
+++ b/frontend/src/app/(investor)/layout.tsx
@@ -1,7 +1,8 @@
-/** 投资人端布局 — B 端专业风格：左 Sidebar + 灰色内容区。 */
+/** 投资人端布局 — B 端专业风格：左 Sidebar + 灰色内容区 + AI Copilot。 */
 
 import { LayoutDashboard, Building2, FileText, AlertTriangle, Settings } from "lucide-react";
 import Link from "next/link";
+import { CopilotWidget } from "@/components/shared/CopilotWidget";
 
 const navItems = [
   { href: "/dashboard", label: "驾驶舱", icon: LayoutDashboard },
@@ -39,6 +40,7 @@ export default function InvestorLayout({ children }: { children: React.ReactNode
         </header>
         <div className="container mx-auto max-w-7xl px-4 py-6">{children}</div>
       </main>
+      <CopilotWidget />
     </div>
   );
 }
diff --git a/frontend/src/app/(investor)/reports/[id]/page.tsx b/frontend/src/app/(investor)/reports/[id]/page.tsx
new file mode 100644
index 0000000..1ef32b5
--- /dev/null
+++ b/frontend/src/app/(investor)/reports/[id]/page.tsx
@@ -0,0 +1,244 @@
+"use client";
+
+import { useState, useRef, useEffect } from "react";
+import { use } from "react";
+import { Sparkles, Loader2, CheckCircle, AlertCircle } from "lucide-react";
+import Link from "next/link";
+import { ArrowLeft } from "lucide-react";
+import { getReport, type MonthlyReport } from "@/lib/reports";
+import { LoadingSpinner } from "@/components/shared/LoadingSpinner";
+import { HealthRadar } from "@/components/health/HealthRadar";
+import { HealthGauge } from "@/components/health/HealthGauge";
+
+const API_BASE = process.env.NEXT_PUBLIC_API_URL || "http://localhost:8000/api/v1";
+
+/**
+ * 投资人端 — 月报 AI 解析页。
+ */
+export default function ReportParsePage({ params }: { params: Promise<{ id: string }> }) {
+  const { id } = use(params);
+  const [report, setReport] = useState<MonthlyReport | null>(null);
+  const [isLoading, setIsLoading] = useState(true);
+  const [parseStatus, setParseStatus] = useState<"idle" | "parsing" | "done" | "error">("idle");
+  const [streamText, setStreamText] = useState("");
+  const [healthScores, setHealthScores] = useState<{
+    total_score: number;
+    financial_score: number;
+    operational_score: number;
+    ai_commercial_score: number;
+    ai_cost_score: number;
+  } | null>(null);
+  const [detectedRisks, setDetectedRisks] = useState<Array<{ title: string; severity: string }>>([]);
+  const abortRef = useRef<AbortController | null>(null);
+
+  useEffect(() => {
+    async function load() {
+      try {
+        const resp = await getReport(id);
+        if (resp.data) setReport(resp.data);
+      } catch {
+        // ignore
+      } finally {
+        setIsLoading(false);
+      }
+    }
+    load();
+  }, [id]);
+
+  async function handleParse() {
+    if (!report) return;
+    setParseStatus("parsing");
+    setStreamText("");
+    setHealthScores(null);
+    setDetectedRisks([]);
+
+    const abortController = new AbortController();
+    abortRef.current = abortController;
+
+    try {
+      const token = typeof window !== "undefined" ? localStorage.getItem("token") : null;
+      const response = await fetch(`${API_BASE}/reports/${id}/parse`, {
+        method: "POST",
+        headers: {
+          "Content-Type": "application/json",
+          ...(token ? { Authorization: `Bearer ${token}` } : {}),
+        },
+        signal: abortController.signal,
+      });
+
+      if (!response.ok) throw new Error("请求失败");
+
+      const reader = response.body?.getReader();
+      if (!reader) throw new Error("无法读取流");
+
+      const decoder = new TextDecoder();
+      let buffer = "";
+
+      while (true) {
+        const { done, value } = await reader.read();
+        if (done) break;
+
+        buffer += decoder.decode(value, { stream: true });
+        const lines = buffer.split("\n");
+        buffer = lines.pop() || "";
+
+        for (const line of lines) {
+          if (!line.startsWith("data: ")) continue;
+          const dataStr = line.slice(6);
+          try {
+            const event = JSON.parse(dataStr);
+            switch (event.type) {
+              case "token":
+                setStreamText((prev) => prev + event.content);
+                break;
+              case "health_score":
+                setHealthScores(event.data);
+                break;
+              case "risks":
+                setDetectedRisks(event.data || []);
+                break;
+              case "done":
+                setParseStatus("done");
+                break;
+              case "error":
+                setParseStatus("error");
+                break;
+            }
+          } catch {
+            // ignore
+          }
+        }
+      }
+    } catch (err) {
+      if (err instanceof Error && err.name !== "AbortError") {
+        setParseStatus("error");
+      }
+    }
+  }
+
+  if (isLoading) {
+    return (
+      <div className="flex justify-center py-12">
+        <LoadingSpinner />
+      </div>
+    );
+  }
+
+  if (!report) {
+    return (
+      <div className="space-y-4">
+        <Link href="/reports" className="flex items-center gap-2 text-sm text-muted-foreground hover:text-foreground">
+          <ArrowLeft size={16} aria-hidden="true" />
+          返回列表
+        </Link>
+        <p className="text-sm text-muted-foreground">月报不存在</p>
+      </div>
+    );
+  }
+
+  return (
+    <div className="space-y-6">
+      <Link href="/reports" className="flex items-center gap-2 text-sm text-muted-foreground hover:text-foreground">
+        <ArrowLeft size={16} aria-hidden="true" />
+        返回列表
+      </Link>
+
+      <div className="flex items-center justify-between">
+        <div>
+          <h1 className="text-2xl font-bold text-foreground">
+            {report.period_year}年{report.period_month}月月报
+          </h1>
+          <p className="mt-1 text-sm text-muted-foreground">状态：{report.status}</p>
+        </div>
+        {report.status === "submitted" && (
+          <button
+            onClick={handleParse}
+            disabled={parseStatus === "parsing"}
+            className="flex items-center gap-2 rounded-md bg-[var(--investor-primary)] px-4 py-2 text-sm font-medium text-white hover:opacity-90 disabled:opacity-50"
+          >
+            {parseStatus === "parsing" ? (
+              <Loader2 size={16} className="animate-spin" aria-hidden="true" />
+            ) : (
+              <Sparkles size={16} aria-hidden="true" />
+            )}
+            AI 解析
+          </button>
+        )}
+      </div>
+
+      {/* 原始内容 */}
+      <div className="rounded-lg border bg-white p-5 shadow-sm">
+        <h2 className="mb-3 text-sm font-semibold text-muted-foreground">月报原文</h2>
+        <pre className="whitespace-pre-wrap text-sm text-foreground">
+          {report.raw_content || "暂无内容"}
+        </pre>
+      </div>
+
+      {/* AI 解析流式输出 */}
+      {parseStatus !== "idle" && (
+        <div className="rounded-lg border bg-white p-5 shadow-sm">
+          <div className="mb-3 flex items-center gap-2">
+            <Sparkles size={18} className="text-[var(--investor-primary)]" aria-hidden="true" />
+            <h2 className="text-sm font-semibold">AI 解析结果</h2>
+            {parseStatus === "done" && (
+              <CheckCircle size={16} className="text-emerald-600" aria-hidden="true" />
+            )}
+            {parseStatus === "error" && (
+              <AlertCircle size={16} className="text-rose-600" aria-hidden="true" />
+            )}
+          </div>
+          <pre className="whitespace-pre-wrap text-sm text-foreground">
+            {streamText || "等待输出..."}
+          </pre>
+        </div>
+      )}
+
+      {/* 健康度评分 */}
+      {healthScores && (
+        <div className="grid gap-4 md:grid-cols-2">
+          <div className="rounded-lg border bg-white p-5 shadow-sm">
+            <h2 className="mb-4 text-sm font-semibold text-muted-foreground">健康度评分</h2>
+            <div className="flex items-center gap-6">
+              <HealthGauge score={healthScores.total_score} size={120} />
+              <HealthRadar
+                scores={{
+                  financial: healthScores.financial_score,
+                  operational: healthScores.operational_score,
+                  ai_commercial: healthScores.ai_commercial_score,
+                  ai_cost: healthScores.ai_cost_score,
+                }}
+                size={200}
+              />
+            </div>
+          </div>
+
+          {/* 检测到的风险 */}
+          <div className="rounded-lg border bg-white p-5 shadow-sm">
+            <h2 className="mb-3 text-sm font-semibold text-muted-foreground">自动检测风险</h2>
+            {detectedRisks.length === 0 ? (
+              <p className="py-4 text-center text-sm text-emerald-600">未检测到风险 ✅</p>
+            ) : (
+              <div className="space-y-2">
+                {detectedRisks.map((risk, idx) => (
+                  <div key={idx} className="flex items-center gap-2 rounded-md bg-amber-50 px-3 py-2">
+                    <AlertCircle size={14} className="text-amber-600" aria-hidden="true" />
+                    <span className="text-sm">{risk.title}</span>
+                    <span className="ml-auto text-xs text-amber-600">{risk.severity}</span>
+                  </div>
+                ))}
+              </div>
+            )}
+          </div>
+        </div>
+      )}
+
+      {/* 已有 AI 摘要 */}
+      {report.ai_summary && parseStatus === "idle" && (
+        <div className="rounded-lg border bg-white p-5 shadow-sm">
+          <h2 className="mb-3 text-sm font-semibold text-muted-foreground">AI 摘要</h2>
+          <p className="text-sm text-foreground">{report.ai_summary}</p>
+        </div>
+      )}
+    </div>
+  );
+}
diff --git a/frontend/src/components/dashboard/HealthDistribution.tsx b/frontend/src/components/dashboard/HealthDistribution.tsx
new file mode 100644
index 0000000..0316ad6
--- /dev/null
+++ b/frontend/src/components/dashboard/HealthDistribution.tsx
@@ -0,0 +1,56 @@
+"use client";
+
+import { HealthGauge } from "@/components/health/HealthGauge";
+
+/** 健康度分布组件 — 展示各评分区间企业数量。 */
+
+interface HealthDistributionProps {
+  companies: Array<{
+    id: string;
+    name: string;
+    score: number;
+  }>;
+}
+
+/**
+ * 健康度分布卡片。
+ */
+export function HealthDistribution({ companies }: HealthDistributionProps) {
+  const buckets = {
+    excellent: companies.filter((c) => c.score >= 75),
+    good: companies.filter((c) => c.score >= 50 && c.score < 75),
+    warning: companies.filter((c) => c.score >= 25 && c.score < 50),
+    critical: companies.filter((c) => c.score < 25),
+  };
+
+  const items = [
+    { label: "优秀 (75+)", count: buckets.excellent.length, color: "text-emerald-600", bg: "bg-emerald-50" },
+    { label: "良好 (50-74)", count: buckets.good.length, color: "text-blue-600", bg: "bg-blue-50" },
+    { label: "预警 (25-49)", count: buckets.warning.length, color: "text-amber-600", bg: "bg-amber-50" },
+    { label: "危险 (<25)", count: buckets.critical.length, color: "text-rose-600", bg: "bg-rose-50" },
+  ];
+
+  return (
+    <div className="rounded-lg border bg-white p-5 shadow-sm">
+      <h2 className="mb-4 text-lg font-semibold">健康度分布</h2>
+      <div className="grid grid-cols-4 gap-3">
+        {items.map((item) => (
+          <div key={item.label} className={`rounded-lg ${item.bg} p-3 text-center`}>
+            <p className={`text-2xl font-bold ${item.color}`}>{item.count}</p>
+            <p className="mt-1 text-xs text-muted-foreground">{item.label}</p>
+          </div>
+        ))}
+      </div>
+      {companies.length > 0 && (
+        <div className="mt-4 space-y-2">
+          {companies.slice(0, 5).map((c) => (
+            <div key={c.id} className="flex items-center justify-between text-sm">
+              <span className="text-foreground">{c.name}</span>
+              <HealthGauge score={c.score} size={40} label="" />
+            </div>
+          ))}
+        </div>
+      )}
+    </div>
+  );
+}
diff --git a/frontend/src/components/dashboard/RiskSummary.tsx b/frontend/src/components/dashboard/RiskSummary.tsx
new file mode 100644
index 0000000..924e266
--- /dev/null
+++ b/frontend/src/components/dashboard/RiskSummary.tsx
@@ -0,0 +1,74 @@
+"use client";
+
+import { AlertTriangle } from "lucide-react";
+import { SEVERITY_LABELS, SEVERITY_COLORS, RISK_TYPE_LABELS } from "@/lib/risks";
+
+/** 风险汇总组件 — 按严重度分组展示。 */
+
+interface RiskSummaryProps {
+  risks: Array<{
+    id: string;
+    title: string;
+    severity: string;
+    type: string;
+    status: string;
+  }>;
+}
+
+/**
+ * 风险汇总卡片。
+ */
+export function RiskSummary({ risks }: RiskSummaryProps) {
+  const openRisks = risks.filter((r) => r.status === "open" || r.status === "in_progress");
+  const bySeverity = {
+    critical: openRisks.filter((r) => r.severity === "critical"),
+    high: openRisks.filter((r) => r.severity === "high"),
+    medium: openRisks.filter((r) => r.severity === "medium"),
+    low: openRisks.filter((r) => r.severity === "low"),
+  };
+
+  return (
+    <div className="rounded-lg border bg-white p-5 shadow-sm">
+      <div className="mb-4 flex items-center justify-between">
+        <h2 className="text-lg font-semibold">风险概览</h2>
+        <span className="text-sm text-muted-foreground">{openRisks.length} 条待处理</span>
+      </div>
+
+      {openRisks.length === 0 ? (
+        <p className="py-4 text-center text-sm text-muted-foreground">暂无待处理风险</p>
+      ) : (
+        <div className="space-y-2">
+          {(["critical", "high", "medium", "low"] as const).map((severity) => {
+            const items = bySeverity[severity];
+            if (items.length === 0) return null;
+            return (
+              <div key={severity}>
+                <div className="mb-1 flex items-center gap-2">
+                  <AlertTriangle
+                    size={14}
+                    className={SEVERITY_COLORS[severity]}
+                    aria-hidden="true"
+                  />
+                  <span className={`text-xs font-medium ${SEVERITY_COLORS[severity]}`}>
+                    {SEVERITY_LABELS[severity]} ({items.length})
+                  </span>
+                </div>
+                {items.slice(0, 3).map((risk) => (
+                  <div
+                    key={risk.id}
+                    className="ml-6 truncate text-sm text-muted-foreground"
+                  >
+                    <span className="text-xs text-muted-foreground">
+                      [{RISK_TYPE_LABELS[risk.type] || risk.type}]
+                    </span>{" "}
+                    {risk.title}
+                  </div>
+                ))}
+              </div>
+            );
+          })}
+        </div>
+      )}
+    </div>
+  );
+}
diff --git a/frontend/src/components/health/HealthGauge.tsx b/frontend/src/components/health/HealthGauge.tsx
new file mode 100644
index 0000000..bc077db
--- /dev/null
+++ b/frontend/src/components/health/HealthGauge.tsx
@@ -0,0 +1,61 @@
+"use client";
+
+/** 健康度仪表盘组件 — 圆形进度仪表盘。 */
+
+interface HealthGaugeProps {
+  score: number;
+  size?: number;
+  label?: string;
+}
+
+/**
+ * 圆形仪表盘（纯 SVG）。
+ */
+export function HealthGauge({ score, size = 120, label = "总评分" }: HealthGaugeProps) {
+  const center = size / 2;
+  const radius = size / 2 - 10;
+  const circumference = 2 * Math.PI * radius;
+  const progress = Math.max(0, Math.min(100, score)) / 100;
+  const dashOffset = circumference * (1 - progress);
+
+  const color = score >= 75 ? "var(--color-emerald)" : score >= 50 ? "var(--color-amber)" : "var(--color-rose)";
+
+  return (
+    <div className="flex flex-col items-center">
+      <svg width={size} height={size} role="img" aria-label={`${label}: ${score}分`}>
+        <circle
+          cx={center}
+          cy={center}
+          r={radius}
+          fill="none"
+          stroke="currentColor"
+          strokeOpacity={0.1}
+          strokeWidth={8}
+        />
+        <circle
+          cx={center}
+          cy={center}
+          r={radius}
+          fill="none"
+          stroke={color}
+          strokeWidth={8}
+          strokeDasharray={circumference}
+          strokeDashoffset={dashOffset}
+          strokeLinecap="round"
+          transform={`rotate(-90 ${center} ${center})`}
+        />
+        <text
+          x={center}
+          y={center}
+          textAnchor="middle"
+          dominantBaseline="middle"
+          className="text-2xl font-bold"
+          fill="currentColor"
+        >
+          {score.toFixed(0)}
+        </text>
+      </svg>
+      <span className="mt-1 text-xs text-muted-foreground">{label}</span>
+    </div>
+  );
+}
diff --git a/frontend/src/components/health/HealthRadar.tsx b/frontend/src/components/health/HealthRadar.tsx
new file mode 100644
index 0000000..b40e1ad
--- /dev/null
+++ b/frontend/src/components/health/HealthRadar.tsx
@@ -0,0 +1,140 @@
+"use client";
+
+import { useMemo } from "react";
+
+/** 健康度雷达图组件 — 四维评分雷达图。 */
+
+interface HealthRadarProps {
+  scores: {
+    financial: number;
+    operational: number;
+    ai_commercial: number;
+    ai_cost: number;
+  };
+  size?: number;
+}
+
+const LABELS: Record<string, string> = {
+  financial: "财务",
+  operational: "经营",
+  ai_commercial: "AI 商业化",
+  ai_cost: "AI 成本",
+};
+
+/**
+ * 健康度雷达图（纯 SVG，无额外依赖）。
+ */
+export function HealthRadar({ scores, size = 240 }: HealthRadarProps) {
+  const center = size / 2;
+  const radius = size / 2 - 40;
+  const axes = Object.keys(LABELS);
+  const angleStep = (Math.PI * 2) / axes.length;
+
+  const { gridLevels, axisLines, dataPoints, labelPositions } = useMemo(() => {
+    const levels = [0.25, 0.5, 0.75, 1.0];
+    const grid = levels.map((level) =>
+      axes.map((_, i) => {
+        const angle = i * angleStep - Math.PI / 2;
+        return {
+          x: center + Math.cos(angle) * radius * level,
+          y: center + Math.sin(angle) * radius * level,
+        };
+      })
+    );
+
+    const axis = axes.map((_, i) => {
+      const angle = i * angleStep - Math.PI / 2;
+      return {
+        x: center + Math.cos(angle) * radius,
+        y: center + Math.sin(angle) * radius,
+      };
+    });
+
+    const values = [scores.financial, scores.operational, scores.ai_commercial, scores.ai_cost];
+    const points = values.map((val, i) => {
+      const angle = i * angleStep - Math.PI / 2;
+      const r = (val / 100) * radius;
+      return {
+        x: center + Math.cos(angle) * r,
+        y: center + Math.sin(angle) * r,
+      };
+    });
+
+    const labels = axes.map((key, i) => {
+      const angle = i * angleStep - Math.PI / 2;
+      return {
+        x: center + Math.cos(angle) * (radius + 20),
+        y: center + Math.sin(angle) * (radius + 20),
+        label: LABELS[key],
+      };
+    });
+
+    return { gridLevels: grid, axisLines: axis, dataPoints: points, labelPositions: labels };
+  }, [scores, center, radius, angleStep]);
+
+  const polygonPoints = dataPoints.map((p) => `${p.x},${p.y}`).join(" ");
+
+  return (
+    <svg width={size} height={size} role="img" aria-label="健康度雷达图">
+      {/* 网格 */}
+      {gridLevels.map((level, idx) => (
+        <polygon
+          key={idx}
+          points={level.map((p) => `${p.x},${p.y}`).join(" ")}
+          fill="none"
+          stroke="currentColor"
+          strokeOpacity={0.15}
+          strokeWidth={1}
+        />
+      ))}
+
+      {/* 轴线 */}
+      {axisLines.map((line, idx) => (
+        <line
+          key={idx}
+          x1={center}
+          y1={center}
+          x2={line.x}
+          y2={line.y}
+          stroke="currentColor"
+          strokeOpacity={0.2}
+          strokeWidth={1}
+        />
+      ))}
+
+      {/* 数据区域 */}
+      <polygon
+        points={polygonPoints}
+        fill="var(--investor-primary)"
+        fillOpacity={0.2}
+        stroke="var(--investor-primary)"
+        strokeWidth={2}
+      />
+
+      {/* 数据点 */}
+      {dataPoints.map((p, idx) => (
+        <circle
+          key={idx}
+          cx={p.x}
+          cy={p.y}
+          r={4}
+          fill="var(--investor-primary)"
+        />
+      ))}
+
+      {/* 标签 */}
+      {labelPositions.map((lp, idx) => (
+        <text
+          key={idx}
+          x={lp.x}
+          y={lp.y}
+          textAnchor="middle"
+          dominantBaseline="middle"
+          className="text-xs fill-muted-foreground"
+        >
+          {lp.label}
+        </text>
+      ))}
+    </svg>
+  );
+}
diff --git a/frontend/src/components/health/HealthTrend.tsx b/frontend/src/components/health/HealthTrend.tsx
new file mode 100644
index 0000000..e74bc22
--- /dev/null
+++ b/frontend/src/components/health/HealthTrend.tsx
@@ -0,0 +1,59 @@
+"use client";
+
+import { useMemo } from "react";
+
+/** 健康度趋势 Sparkline 组件。 */
+
+interface HealthTrendProps {
+  scores: number[];
+  width?: number;
+  height?: number;
+}
+
+/**
+ * 趋势 Sparkline（纯 SVG）。
+ */
+export function HealthTrend({ scores, width = 120, height = 32 }: HealthTrendProps) {
+  const { path, color } = useMemo(() => {
+    if (scores.length === 0) return { path: "", color: "currentColor" };
+
+    const max = Math.max(...scores, 100);
+    const min = Math.min(...scores, 0);
+    const range = max - min || 1;
+
+    const points = scores.map((score, i) => {
+      const x = (i / Math.max(scores.length - 1, 1)) * (width - 4) + 2;
+      const y = height - 2 - ((score - min) / range) * (height - 4);
+      return { x, y };
+    });
+
+    const d = points
+      .map((p, i) => (i === 0 ? `M ${p.x} ${p.y}` : `L ${p.x} ${p.y}`))
+      .join(" ");
+
+    const lastScore = scores[scores.length - 1];
+    const firstScore = scores[0];
+    const trend = lastScore - firstScore;
+    const color =
+      trend > 5 ? "var(--color-emerald)" : trend < -5 ? "var(--color-rose)" : "currentColor";
+
+    return { path: d, color };
+  }, [scores, width, height]);
+
+  if (scores.length === 0) {
+    return <div className="text-xs text-muted-foreground">暂无趋势</div>;
+  }
+
+  return (
+    <svg width={width} height={height} role="img" aria-label="健康度趋势">
+      <path
+        d={path}
+        fill="none"
+        stroke={color}
+        strokeWidth={2}
+        strokeLinecap="round"
+        strokeLinejoin="round"
+      />
+    </svg>
+  );
+}
diff --git a/frontend/src/components/shared/CopilotWidget.tsx b/frontend/src/components/shared/CopilotWidget.tsx
new file mode 100644
index 0000000..3deea6a
--- /dev/null
+++ b/frontend/src/components/shared/CopilotWidget.tsx
@@ -0,0 +1,198 @@
+"use client";
+
+import { useState, useRef, useEffect, useCallback } from "react";
+import { MessageSquare, X, Send, Sparkles } from "lucide-react";
+
+/** AI Copilot 浮动对话窗口 — 底部抽屉式。 */
+
+interface Message {
+  role: "user" | "assistant";
+  content: string;
+}
+
+const API_BASE = process.env.NEXT_PUBLIC_API_URL || "http://localhost:8000/api/v1";
+
+/**
+ * AI Copilot 浮动窗口组件。
+ */
+export function CopilotWidget() {
+  const [isOpen, setIsOpen] = useState(false);
+  const [messages, setMessages] = useState<Message[]>([]);
+  const [input, setInput] = useState("");
+  const [isStreaming, setIsStreaming] = useState(false);
+  const messagesEndRef = useRef<HTMLDivElement>(null);
+
+  useEffect(() => {
+    messagesEndRef.current?.scrollIntoView({ behavior: "smooth" });
+  }, [messages]);
+
+  const sendMessage = useCallback(async () => {
+    if (!input.trim() || isStreaming) return;
+
+    const userMessage = input.trim();
+    setInput("");
+    setMessages((prev) => [...prev, { role: "user", content: userMessage }]);
+    setIsStreaming(true);
+
+    // 添加空的 assistant 消息用于流式更新
+    setMessages((prev) => [...prev, { role: "assistant", content: "" }]);
+
+    try {
+      const token = typeof window !== "undefined" ? localStorage.getItem("token") : null;
+      const response = await fetch(`${API_BASE}/copilot/chat`, {
+        method: "POST",
+        headers: {
+          "Content-Type": "application/json",
+          ...(token ? { Authorization: `Bearer ${token}` } : {}),
+        },
+        body: JSON.stringify({ message: userMessage }),
+      });
+
+      if (!response.ok) throw new Error("请求失败");
+
+      const reader = response.body?.getReader();
+      if (!reader) throw new Error("无法读取流");
+
+      const decoder = new TextDecoder();
+      let buffer = "";
+
+      while (true) {
+        const { done, value } = await reader.read();
+        if (done) break;
+
+        buffer += decoder.decode(value, { stream: true });
+        const lines = buffer.split("\n");
+        buffer = lines.pop() || "";
+
+        for (const line of lines) {
+          if (!line.startsWith("data: ")) continue;
+          const dataStr = line.slice(6);
+          try {
+            const event = JSON.parse(dataStr);
+            if (event.type === "token") {
+              setMessages((prev) => {
+                const updated = [...prev];
+                const last = updated[updated.length - 1];
+                if (last && last.role === "assistant") {
+                  updated[updated.length - 1] = {
+                    ...last,
+                    content: last.content + event.content,
+                  };
+                }
+                return updated;
+              });
+            } else if (event.type === "error") {
+              setMessages((prev) => {
+                const updated = [...prev];
+                updated[updated.length - 1] = {
+                  role: "assistant",
+                  content: `错误: ${event.message}`,
+                };
+                return updated;
+              });
+            }
+          } catch {
+            // ignore parse errors
+          }
+        }
+      }
+    } catch (err) {
+      setMessages((prev) => {
+        const updated = [...prev];
+        updated[updated.length - 1] = {
+          role: "assistant",
+          content: `请求失败: ${err instanceof Error ? err.message : "未知错误"}`,
+        };
+        return updated;
+      });
+    } finally {
+      setIsStreaming(false);
+    }
+  }, [input, isStreaming]);
+
+  if (!isOpen) {
+    return (
+      <button
+        onClick={() => setIsOpen(true)}
+        className="fixed bottom-6 right-6 z-50 flex h-14 w-14 items-center justify-center rounded-full bg-[var(--investor-primary)] text-white shadow-lg transition-transform hover:scale-105"
+        aria-label="打开 AI 副驾驶"
+      >
+        <Sparkles size={24} aria-hidden="true" />
+      </button>
+    );
+  }
+
+  return (
+    <div className="fixed bottom-6 right-6 z-50 flex h-[480px] w-96 flex-col rounded-xl border bg-white shadow-2xl">
+      {/* 头部 */}
+      <div className="flex items-center justify-between border-b px-4 py-3">
+        <div className="flex items-center gap-2">
+          <Sparkles size={18} className="text-[var(--investor-primary)]" aria-hidden="true" />
+          <span className="font-semibold text-sm">AI 副驾驶</span>
+        </div>
+        <button
+          onClick={() => setIsOpen(false)}
+          className="rounded-md p-1 text-muted-foreground hover:bg-muted"
+          aria-label="关闭"
+        >
+          <X size={16} aria-hidden="true" />
+        </button>
+      </div>
+
+      {/* 消息列表 */}
+      <div className="flex-1 overflow-y-auto px-4 py-3">
+        {messages.length === 0 ? (
+          <div className="flex h-full flex-col items-center justify-center text-center">
+            <MessageSquare size={32} className="text-muted-foreground" aria-hidden="true" />
+            <p className="mt-2 text-sm text-muted-foreground">
+              向 AI 副驾驶提问关于企业分析、风险预警、报告撰写等问题
+            </p>
+          </div>
+        ) : (
+          <div className="space-y-3">
+            {messages.map((msg, idx) => (
+              <div
+                key={idx}
+                className={`flex ${msg.role === "user" ? "justify-end" : "justify-start"}`}
+              >
+                <div
+                  className={`max-w-[80%] rounded-lg px-3 py-2 text-sm ${
+                    msg.role === "user"
+                      ? "bg-[var(--investor-primary)] text-white"
+                      : "bg-muted text-foreground"
+                  }`}
+                >
+                  {msg.content || "..."}
+                </div>
+              </div>
+            ))}
+          </div>
+        )}
+        <div ref={messagesEndRef} />
+      </div>
+
+      {/* 输入框 */}
+      <div className="border-t p-3">
+        <div className="flex gap-2">
+          <input
+            type="text"
+            value={input}
+            onChange={(e) => setInput(e.target.value)}
+            onKeyDown={(e) => e.key === "Enter" && sendMessage()}
+            placeholder="输入问题..."
+            disabled={isStreaming}
+            className="flex-1 rounded-md border bg-background px-3 py-2 text-sm focus:outline-none focus:ring-2 focus:ring-[var(--investor-primary)] disabled:opacity-50"
+          />
+          <button
+            onClick={sendMessage}
+            disabled={isStreaming || !input.trim()}
+            className="rounded-md bg-[var(--investor-primary)] p-2 text-white disabled:opacity-50"
+            aria-label="发送"
+          >
+            <Send size={16} aria-hidden="true" />
+          </button>
+        </div>
+      </div>
+    </div>
+  );
+}