外包风险评估系统：领域引擎+前端+服务端持久化与生产部署

- 确定性领域引擎(分类/评分/分级/红线/费用/裁决)+LLM(通义千问)语言理解 - 6步评估向导、服务端草稿持久化(跨设备/编辑草稿保护) - 工作流(草稿→风控→管理层)、RBAC、报告导出、校准、客户/费率/红线/最低工资管理 - 专业图标体系替换全部emoji、看板美化 - 生产化:API_BASE可配置(同源反代)、auth密钥惰性读取修复RBAC - 444单测+204前端测试+51 e2e
2026-06-13 01:06:39 +08:00
commit c670b9e454
404 changed files with 61820 additions and 0 deletions
@@ -0,0 +1,882 @@
+/**
+ * HTTP API 客户端：封装 fetch 调用后端 REST API（Req 16.2）。
+ *
+ * 所有 API 返回 Promise<T>，错误时抛出 ApiError（含 status 与 message）。
+ */
+
+/**
+ * 后端 API 基址。
+ * - 开发模式：默认 http://localhost:3005（Vite 代理或直连本地后端）。
+ * - 生产模式：默认空串 → 走相对路径 /api/...，由 nginx 同源反代到后端，避免硬编码域名/端口。
+ * - 可用环境变量 VITE_API_BASE 覆盖。
+ */
+export const API_BASE =
+  (import.meta.env.VITE_API_BASE as string | undefined) ??
+  (import.meta.env.DEV ? 'http://localhost:3005' : '');
+
+/** 读取本地保存的鉴权令牌（生产 RBAC）；演示模式下为空，请求不带令牌。 */
+function authHeader(): Record<string, string> {
+  try {
+    const t = localStorage.getItem('risk-agent-token');
+    return t !== null && t !== '' ? { Authorization: `Bearer ${t}` } : {};
+  } catch {
+    return {};
+  }
+}
+
+/** API 调用错误。 */
+export class ApiError extends Error {
+  constructor(
+    readonly status: number,
+    message: string,
+  ) {
+    super(message);
+    this.name = 'ApiError';
+  }
+}
+
+async function request<T>(
+  method: 'GET' | 'POST',
+  path: string,
+  body?: unknown,
+): Promise<T> {
+  const url = `${API_BASE}${path}`;
+  const init: RequestInit = {
+    method,
+    headers: { 'Content-Type': 'application/json', ...authHeader() },
+  };
+  if (body !== undefined) {
+    init.body = JSON.stringify(body);
+  }
+
+  const res = await fetch(url, init);
+  const data = await res.json().catch(() => ({}));
+
+  if (!res.ok) {
+    throw new ApiError(
+      res.status,
+      typeof data.error === 'string' ? data.error : `HTTP ${res.status}`,
+    );
+  }
+
+  return data as T;
+}
+
+/** 分类结果（镜像后端 ClassificationResult）。 */
+export interface ClassificationResult {
+  readonly businessType: string;
+  readonly businessTypeConfidence: number;
+  readonly businessTypeCandidates: ReadonlyArray<{ value: string; confidence: number }>;
+  readonly needsBusinessTypeConfirm: boolean;
+  readonly industry: string;
+  readonly industryConfidence: number;
+  readonly industryCandidates: ReadonlyArray<{ value: string; confidence: number }>;
+  readonly needsIndustryConfirm: boolean;
+}
+
+/** 评估运行结果（镜像后端 RunAssessment 响应）。 */
+export interface RunAssessmentResult {
+  readonly assessmentId: string;
+  readonly assessment: unknown;
+  readonly report: unknown;
+  readonly classification: ClassificationResult;
+  readonly confirmed: { businessType: string; industry: string };
+  readonly riskScore: number;
+  readonly riskGrade: string;
+  readonly acceptability: string;
+  readonly residualGaps: readonly string[];
+}
+
+/** 工作流状态。 */
+export type WorkflowStatus =
+  | 'draft'
+  | 'pending_risk_review'
+  | 'risk_reviewed'
+  | 'pending_management_approval'
+  | 'approved'
+  | 'rejected'
+  | 'abandoned';
+
+/** 操作记录条目。 */
+export interface AuditLogEntry {
+  readonly role: string;
+  readonly username: string;
+  readonly action: string;
+  readonly comment?: string;
+  readonly timestamp: string;
+}
+
+/** 评估列表项。 */
+export interface AssessmentListItem {
+  readonly id: string;
+  readonly projectDescription: string;
+  readonly businessType: string;
+  readonly industry: string;
+  readonly region: string;
+  readonly riskScore?: number;
+  readonly riskGrade?: string;
+  readonly acceptability?: string;
+  readonly createdAt: string;
+  readonly assessorId: string;
+  readonly status: WorkflowStatus;
+  readonly auditLog: AuditLogEntry[];
+  readonly archived?: boolean;
+  readonly recommendation?: { level: string; title: string };
+}
+
+/** 综合承接建议。 */
+export interface Recommendation {
+  readonly level: 'accept' | 'conditional' | 'caution' | 'reject';
+  readonly title: string;
+  readonly note: string;
+  readonly targetMargin: number;
+  readonly netMargin: number | null;
+}
+
+/** 运营控制指标——单条。 */
+export interface ControlMetric {
+  readonly name: string;
+  readonly target: string;
+  readonly current: string | null;
+  readonly rationale: string;
+  readonly action: string;
+}
+
+/** 运营控制指标——分组。 */
+export interface ControlGroup {
+  readonly category: '盈利管控' | '运营管控' | '质量管控';
+  readonly metrics: readonly ControlMetric[];
+}
+
+/** 运营控制指标集合（建议承接项目的盈利/运营/质量管控看板）。 */
+export interface OperatingControls {
+  readonly groups: readonly ControlGroup[];
+  readonly note: string;
+}
+
+/** 模板列表项。 */
+export interface TemplateListItem {
+  readonly id: string;
+  readonly name: string;
+  readonly businessType: string;
+  readonly industry: string;
+  readonly isDefault: boolean;
+  readonly dimensions: ReadonlyArray<{
+    readonly id: string;
+    readonly name: string;
+    readonly weight: number;
+    readonly enabled: boolean;
+    readonly indicators: ReadonlyArray<{
+      readonly id: string;
+      readonly name: string;
+      readonly weight: number;
+      readonly enabled: boolean;
+    }>;
+  }>;
+  readonly redlines: ReadonlyArray<{
+    readonly id: string;
+    readonly triggerCondition: string;
+    readonly consequence: string;
+    readonly enabled: boolean;
+  }>;
+}
+
+/** 输入项目描述，返回分类识别结果。 */
+export async function classifyProject(
+  projectDescription: string,
+): Promise<ClassificationResult> {
+  return request<ClassificationResult>('POST', '/api/assessments/classify', {
+    projectDescription,
+  });
+}
+
+/** 运行完整评估流程。 */
+export async function runAssessment(
+  params: {
+    readonly projectDescription: string;
+    readonly confirmation?: { readonly businessType?: string; readonly industry?: string };
+    readonly region?: string;
+    readonly assessorId?: string;
+    readonly assessmentId?: string;
+    readonly expectedSavedAt?: string;
+    readonly clientTotalHeadcount?: number;
+    readonly knownData?: ReadonlyArray<readonly [string, number]>;
+    readonly costInputs?: Record<string, number>;
+    readonly useLlm?: boolean;
+    readonly profitabilityInputs?: ProfitabilityInputs;
+  },
+): Promise<RunAssessmentResult> {
+  return request<RunAssessmentResult>('POST', '/api/assessments/run', params);
+}
+
+/** 单个指标的分级选项。 */
+export interface IndicatorLevelOption {
+  readonly level: number;
+  readonly label: string;
+  readonly description: string;
+}
+
+/** LLM 对某指标的预填建议。 */
+export interface IndicatorSuggestion {
+  readonly indicatorId: string;
+  readonly level: number;
+  readonly confidence: number;
+  readonly rationale: string;
+}
+
+/** 追问指标项（含话术、分级含义与 LLM 预填）。 */
+export interface IndicatorQuestion {
+  readonly dimensionId: string;
+  readonly dimensionName: string;
+  readonly indicatorId: string;
+  readonly name: string;
+  readonly askPrompt: string;
+  readonly evidenceRequired: string;
+  readonly levels: readonly IndicatorLevelOption[];
+  readonly suggestion: IndicatorSuggestion | null;
+}
+
+/** questions 接口响应。 */
+export interface QuestionsResponse {
+  readonly businessType: string;
+  readonly industry: string;
+  readonly llmEnabled: boolean;
+  readonly indicators: readonly IndicatorQuestion[];
+}
+
+/** 获取指定业务类型/行业下的指标清单（含 LLM 预填）。 */
+export async function fetchQuestions(params: {
+  readonly projectDescription: string;
+  readonly businessType: string;
+  readonly industry?: string;
+  readonly skipPrefill?: boolean;
+}): Promise<QuestionsResponse> {
+  return request<QuestionsResponse>('POST', '/api/assessments/questions', params);
+}
+
+/** 用 LLM 从项目描述抽取岗位明细（名称+人数）。失败时后端返回空数组。 */
+export async function extractPositions(
+  projectDescription: string,
+): Promise<Array<{ name: string; headcount: number }>> {
+  const resp = await request<{ positions?: Array<{ name: string; headcount: number }> }>(
+    'POST',
+    '/api/assessments/extract-positions',
+    { projectDescription },
+  );
+  return resp.positions ?? [];
+}
+
+/** LLM 综合研判结果。 */
+export interface SynthesisResult {
+  readonly suggestedGrade: string;
+  readonly confidence: number;
+  readonly overall: string;
+  readonly crossRisks: readonly string[];
+  readonly suggestedConditions: readonly string[];
+  readonly divergent: boolean;
+}
+
+/** 盈利分析——岗位明细输入。 */
+export interface PositionInput {
+  name: string;
+  headcount: number;
+  monthlyGrossSalary: number;
+  socialInsuranceBase?: number;
+  housingFundBase?: number;
+  monthlyBenefits?: number;
+  unitPrice?: number;
+}
+
+/** 盈利分析输入。 */
+export interface ProfitabilityInputs {
+  businessType: string;
+  region?: string;
+  pricingModel: 'per_head' | 'cost_plus' | 'fixed_total' | 'volume';
+  contractMonths?: number;
+  positions: PositionInput[];
+  managementFeePerHeadMonth?: number;
+  markupRate?: number;
+  contractTotal?: number;
+  attritionMonthlyRate?: number;
+  recruitingCostPerHire?: number;
+  trainingCostPerHead?: number;
+  employerLiabilityInsuranceRate?: number;
+  managementSpan?: number;
+  managementMonthlyCostPerManager?: number;
+  accountPeriodMonths?: number;
+  annualInterestRate?: number;
+  periodExpenseRate?: number;
+  utilizationRate?: number;
+  vatMode?: 'general' | 'simplified_diff';
+}
+
+/** 盈利分析结果（镜像后端 ProfitabilityResult 关键字段）。 */
+export interface ProfitabilityResult {
+  businessType: string;
+  pricingModel: string;
+  region: string;
+  contractMonths: number;
+  vatMode: string;
+  positions: ReadonlyArray<{
+    name: string;
+    headcount: number;
+    perHead: {
+      grossSalary: number;
+      socialInsurance: number;
+      housingFund: number;
+      benefits: number;
+      employerInsurance: number;
+      recruitingAmortized: number;
+      trainingAmortized: number;
+      managementAllocated: number;
+      fullyLoaded: number;
+    };
+    loadingFactor: number;
+    monthlyCost: number;
+    monthlyRevenue: number;
+  }>;
+  totalHeadcount: number;
+  loadingFactor: number;
+  monthly: {
+    revenueGross: number;
+    revenueNet: number;
+    laborCost: number;
+    managementCost: number;
+    totalCost: number;
+    grossProfit: number;
+    grossMargin: number;
+    periodExpense: number;
+    financeCost: number;
+    vat: number;
+    surcharge: number;
+    riskReserve: number;
+    badDebtReserve: number;
+    netProfit: number;
+    netMargin: number;
+  };
+  contract: {
+    revenueGross: number;
+    revenueNet: number;
+    totalCost: number;
+    grossProfit: number;
+    netProfit: number;
+  };
+  breakeven: { unitPrice?: number; markupRate?: number; utilization?: number };
+  sensitivity: ReadonlyArray<{ variable: string; baseNetMargin: number; shockedNetMargin: number; deltaPct: number }>;
+  cashflow: {
+    maxAdvance: number;
+    peakMonth: number;
+    points: ReadonlyArray<{ month: number; cumulative: number }>;
+  };
+  marginCurve: ReadonlyArray<{ priceFactor: number; unitPrice: number | null; netMargin: number }>;
+  assumptions: readonly string[];
+}
+
+/** 盈利分析（无状态计算）。 */
+export async function analyzeProfitability(inputs: ProfitabilityInputs): Promise<ProfitabilityResult> {
+  return request<ProfitabilityResult>('POST', '/api/assessments/profitability', inputs);
+}
+
+/** 对已完成评估生成 LLM 综合研判。 */
+export async function fetchSynthesis(id: string): Promise<SynthesisResult> {
+  return request<SynthesisResult>('POST', `/api/assessments/${id}/synthesis`, {});
+}
+
+/** 重新生成综合承接建议（可指定目标净利率）。 */
+export async function regenerateRecommendation(
+  id: string,
+  targetMargin?: number,
+): Promise<Recommendation> {
+  return request<Recommendation>(
+    'POST',
+    `/api/assessments/${id}/recommendation`,
+    targetMargin !== undefined ? { targetMargin } : {},
+  );
+}
+
+/** 获取评估列表（全量，向后兼容）。 */
+export async function fetchAssessments(): Promise<AssessmentListItem[]> {
+  return request<AssessmentListItem[]>('GET', '/api/assessments');
+}
+
+/** 分页列表响应。 */
+export interface AssessmentPage {
+  readonly items: AssessmentListItem[];
+  readonly total: number;
+  readonly page: number;
+  readonly pageSize: number;
+}
+
+/** 服务端分页 + 状态过滤 + 关键词搜索（直接走 SQL）。 */
+export async function fetchAssessmentsPage(params: {
+  readonly page: number;
+  readonly pageSize: number;
+  readonly status?: string;
+  readonly q?: string;
+  readonly archived?: 'active' | 'archived' | 'all';
+}): Promise<AssessmentPage> {
+  const sp = new URLSearchParams();
+  sp.set('page', String(params.page));
+  sp.set('pageSize', String(params.pageSize));
+  if (params.status !== undefined && params.status !== '' && params.status !== 'all') {
+    sp.set('status', params.status);
+  }
+  if (params.q !== undefined && params.q.trim() !== '') {
+    sp.set('q', params.q.trim());
+  }
+  if (params.archived !== undefined && params.archived !== 'active') {
+    sp.set('archived', params.archived);
+  }
+  return request<AssessmentPage>('GET', `/api/assessments?${sp.toString()}`);
+}
+
+/** 归档 / 取消归档评估。 */
+export async function archiveAssessment(
+  id: string,
+  archived: boolean,
+  user?: string,
+): Promise<{ id: string; archived: boolean; status: WorkflowStatus }> {
+  return request('POST', `/api/assessments/${id}/archive`, {
+    archived,
+    ...(user !== undefined ? { user } : {}),
+  });
+}
+
+/** 工作台统计。 */
+export interface AssessmentSummary {
+  readonly total: number;
+  readonly byStatus: Record<string, number>;
+  readonly archived?: number;
+}
+
+/** 获取各状态评估数统计。 */
+export async function fetchSummary(): Promise<AssessmentSummary> {
+  return request<AssessmentSummary>('GET', '/api/assessments/summary');
+}
+
+/** 评估详情响应。 */
+export interface AssessmentDetailResponse {
+  readonly assessment: unknown;
+  readonly report: unknown;
+  readonly savedAt: string;
+  readonly status: WorkflowStatus;
+  readonly auditLog: AuditLogEntry[];
+  readonly profitability?: ProfitabilityResult | null;
+  readonly recommendation?: Recommendation | null;
+  readonly operatingControls?: OperatingControls | null;
+  readonly archived?: boolean;
+  /** 红线 id → 中文标题映射（用于将结果中的红线 id 显示为中文）。 */
+  readonly redlineTitles?: Record<string, string>;
+  /** 盈利测算原始输入（供编辑时完整带入）。 */
+  readonly profitabilityInputs?: ProfitabilityInputs | null;
+  /** 评估有效期（到期需重新评估）。 */
+  readonly expiresAt?: string | null;
+}
+
+/** 获取单条评估详情。 */
+export async function fetchAssessmentDetail(id: string): Promise<AssessmentDetailResponse> {
+  return request<AssessmentDetailResponse>('GET', `/api/assessments/${id}`);
+}
+
+/** 下载评估报告（json/html 自包含文件）。 */
+export async function downloadReport(id: string, format: 'json' | 'html'): Promise<void> {
+  const res = await fetch(`${API_BASE}/api/assessments/${id}/report/export?format=${format}`, {
+    headers: authHeader(),
+  });
+  if (!res.ok) {
+    const err = await res.json().catch(() => ({})) as { error?: string };
+    throw new ApiError(res.status, err.error ?? `HTTP ${res.status}`);
+  }
+  const blob = await res.blob();
+  const url = URL.createObjectURL(blob);
+  const a = document.createElement('a');
+  a.href = url;
+  a.download = `risk-report-${id}.${format}`;
+  document.body.appendChild(a);
+  a.click();
+  a.remove();
+  URL.revokeObjectURL(url);
+}
+
+/** 风控审核。 */
+export async function reviewAssessment(
+  id: string,
+  action: 'approve' | 'reject',
+  user: string,
+  comment?: string,
+): Promise<{ status: WorkflowStatus }> {
+  return request('POST', `/api/assessments/${id}/review`, {
+    action,
+    user,
+    ...(comment !== undefined && comment !== '' ? { comment } : {}),
+  });
+}
+
+/** 管理层审批。通过=最终通过，放弃=终态，驳回可退回风控复审或退回销售。 */
+export async function approveAssessment(
+  id: string,
+  action: 'approve' | 'reject' | 'abandon',
+  user: string,
+  comment?: string,
+  rejectTo?: 'risk' | 'origin',
+): Promise<{ status: WorkflowStatus }> {
+  return request('POST', `/api/assessments/${id}/approve`, {
+    action,
+    user,
+    ...(comment !== undefined && comment !== '' ? { comment } : {}),
+    ...(rejectTo !== undefined ? { rejectTo } : {}),
+  });
+}
+
+/** 重新提交评估。 */
+export async function resubmitAssessment(id: string, user: string): Promise<{ status: WorkflowStatus }> {
+  return request('POST', `/api/assessments/${id}/resubmit`, { user });
+}
+
+/** 申报：将草稿评估报送风控审核。 */
+export async function submitAssessment(id: string, user: string): Promise<{ status: WorkflowStatus }> {
+  return request('POST', `/api/assessments/${id}/submit`, { user });
+}
+
+/** 应用预测准确度校准（调整目标净利率基准，管理层）。 */
+export async function applyCalibration(): Promise<{ appliedBase: number; previousBase: number; deviationPct: number }> {
+  return request('POST', '/api/calibration/apply', {});
+}
+
+/** 风控/管理层对「待核实」红线进行人工裁定（命中/未命中），闭环判定。 */
+export async function submitRedlineVerdict(
+  id: string,
+  params: { redlineId: string; status: '命中' | '未命中'; note?: string; user: string; role?: string; title?: string },
+): Promise<{ redlineId: string; status: string; acceptability: string }> {
+  return request('POST', `/api/assessments/${id}/redline-verdict`, params);
+}
+
+/** 管理层对「已通过」或「已放弃」项目直接调整工作流状态（留痕）。 */
+export async function overrideAssessmentStatus(
+  id: string,
+  status: WorkflowStatus,
+  user: string,
+  comment?: string,
+): Promise<{ status: WorkflowStatus }> {
+  return request('POST', `/api/assessments/${id}/override`, {
+    status,
+    user,
+    ...(comment !== undefined && comment !== '' ? { comment } : {}),
+  });
+}
+
+/** 获取默认模板列表。 */
+export async function fetchTemplates(): Promise<TemplateListItem[]> {
+  return request<TemplateListItem[]>('GET', '/api/templates');
+}
+
+/* ------------------------------------------------------------------ *
+ * P1-P3 新增功能 API
+ * ------------------------------------------------------------------ */
+
+/** 费率条目。 */
+export interface RateEntry {
+  id: number;
+  region: string;
+  category: string;
+  key: string;
+  value: number;
+  effectiveDate: string;
+  version: number;
+  reviewed: boolean;
+}
+
+export async function fetchAllRates(): Promise<RateEntry[]> {
+  return request<RateEntry[]>('GET', '/api/rates');
+}
+
+export async function createRate(entry: Omit<RateEntry, 'id'>): Promise<RateEntry> {
+  return request('POST', '/api/rates', entry);
+}
+
+export async function reviewRate(id: number): Promise<void> {
+  await request('POST', `/api/rates/${id}/review`, {});
+}
+
+export async function deleteRateEntry(id: number): Promise<void> {
+  await fetch(`${API_BASE}/api/rates/${id}`, { method: 'DELETE', headers: authHeader() });
+}
+
+/** 社保单位部分各险种费率。 */
+export interface SocialInsuranceRates {
+  pension: number;
+  medical: number;
+  unemployment: number;
+  injury: number;
+  maternity: number;
+}
+
+/** 地域完整费率套（与引擎 RegionRates 对齐）。 */
+export interface RegionRates {
+  regionName: string;
+  socialInsurance: SocialInsuranceRates;
+  housingFund: number;
+  vatGeneralRate: number;
+  vatSimplifiedRate: number;
+  surchargeRate: number;
+}
+
+/** 地域费率套记录（含复核状态）。 */
+export interface RegionRateRecord {
+  region: string;
+  rates: RegionRates;
+  reviewed: boolean;
+  updatedBy: string | null;
+  updatedAt: string;
+}
+
+export async function fetchEngineDefaults(): Promise<{ national: RegionRates; regions: Record<string, RegionRates> }> {
+  return request('GET', '/api/region-rates/engine-defaults');
+}
+
+export async function fetchRegionRates(): Promise<RegionRateRecord[]> {
+  return request<RegionRateRecord[]>('GET', '/api/region-rates');
+}
+
+export async function saveRegionRate(region: string, rates: RegionRates, updatedBy?: string): Promise<void> {
+  await request('POST', '/api/region-rates', { region, rates, ...(updatedBy ? { updatedBy } : {}) });
+}
+
+export async function reviewRegionRate(region: string): Promise<void> {
+  await request('POST', `/api/region-rates/${encodeURIComponent(region)}/review`, {});
+}
+
+export async function deleteRegionRate(region: string): Promise<void> {
+  await fetch(`${API_BASE}/api/region-rates/${encodeURIComponent(region)}`, { method: 'DELETE', headers: authHeader() });
+}
+
+/** 红线规则。 */
+export interface RedlineRuleItem {
+  id: string;
+  title: string;
+  triggerCondition: string;
+  consequence: string;
+  region: string | null;
+  businessType: string | null;
+  enabled: boolean;
+  version: number;
+  regulationRef: string | null;
+  /** 关联度量（可计算红线）：4 个数值度量，或 `ind:<指标id>`(绑定指标风险等级)；null 表示人工核实。 */
+  linkedMetric?: string | null;
+  /** 比较运算符。 */
+  compareOp?: '>=' | '<=' | '>' | '<' | null;
+  /** 阈值（百分比类按百分数；逾期按天；指标等级按 1-5）。 */
+  threshold?: number | null;
+  /** 可选第二条件（与主条件 AND 组合）。 */
+  linkedMetric2?: string | null;
+  compareOp2?: '>=' | '<=' | '>' | '<' | null;
+  threshold2?: number | null;
+}
+
+export async function fetchRedlineRules(): Promise<RedlineRuleItem[]> {
+  return request<RedlineRuleItem[]>('GET', '/api/redline-rules');
+}
+
+export async function createRedlineRule(rule: RedlineRuleItem): Promise<RedlineRuleItem> {
+  return request('POST', '/api/redline-rules', rule);
+}
+
+export async function deleteRedlineRuleApi(id: string): Promise<void> {
+  await fetch(`${API_BASE}/api/redline-rules/${id}`, { method: 'DELETE', headers: authHeader() });
+}
+
+/** 客户档案。 */
+export interface CustomerItem {
+  id: string;
+  name: string;
+  creditRating: string;
+  avgOverdueDays: number;
+  totalContractAmount: number;
+  assessmentCount: number;
+  notes: string | null;
+}
+
+export async function fetchCustomers(): Promise<CustomerItem[]> {
+  return request<CustomerItem[]>('GET', '/api/customers');
+}
+
+export async function createCustomer(c: CustomerItem): Promise<CustomerItem> {
+  return request('POST', '/api/customers', c);
+}
+
+export async function deleteCustomerApi(id: string): Promise<void> {
+  await fetch(`${API_BASE}/api/customers/${id}`, { method: 'DELETE', headers: authHeader() });
+}
+
+export async function fetchConcentration(id: string): Promise<{ concentration: number; warning: string | null }> {
+  return request('GET', `/api/customers/${id}/concentration`);
+}
+
+/** 客户回款记录。 */
+export interface CustomerPayment {
+  id: number;
+  customerId: string;
+  invoiceAmount: number;
+  dueDate: string;
+  paidDate: string | null;
+  note: string | null;
+}
+
+export async function fetchPayments(customerId: string): Promise<CustomerPayment[]> {
+  return request<CustomerPayment[]>('GET', `/api/customers/${customerId}/payments`);
+}
+
+export async function addPayment(
+  customerId: string,
+  p: { invoiceAmount: number; dueDate: string; paidDate?: string | null; note?: string | null },
+): Promise<{ saved: boolean; avgOverdueDays: number }> {
+  return request('POST', `/api/customers/${customerId}/payments`, p);
+}
+
+export async function deletePaymentApi(customerId: string, paymentId: number): Promise<{ avgOverdueDays: number }> {
+  const res = await fetch(`${API_BASE}/api/customers/${customerId}/payments/${paymentId}`, { method: 'DELETE', headers: authHeader() });
+  return res.json();
+}
+
+/** 各地域最低工资标准。 */
+export interface MinWageItem {
+  region: string;
+  monthlyWage: number;
+  updatedBy: string | null;
+  updatedAt: string;
+}
+
+export async function fetchMinWages(): Promise<MinWageItem[]> {
+  return request<MinWageItem[]>('GET', '/api/min-wages');
+}
+
+export async function saveMinWage(region: string, monthlyWage: number, updatedBy?: string): Promise<void> {
+  await request('POST', '/api/min-wages', { region, monthlyWage, ...(updatedBy ? { updatedBy } : {}) });
+}
+
+export async function deleteMinWageApi(region: string): Promise<void> {
+  await fetch(`${API_BASE}/api/min-wages/${encodeURIComponent(region)}`, { method: 'DELETE', headers: authHeader() });
+}
+
+/** 向导草稿（服务端持久化，跨设备）。列表项不含 form。 */
+export interface DraftItem {
+  id: string;
+  assessorId: string | null;
+  sourceAssessmentId: string | null;
+  projectName: string | null;
+  updatedAt: string;
+}
+
+/** 草稿详情（含完整向导快照 form）。 */
+export interface DraftRecord extends DraftItem {
+  form: unknown;
+}
+
+/** 列出草稿（可按评估人过滤）。 */
+export async function listDrafts(assessorId?: string): Promise<DraftItem[]> {
+  const q = assessorId ? `?assessorId=${encodeURIComponent(assessorId)}` : '';
+  return request<DraftItem[]>('GET', `/api/drafts${q}`);
+}
+
+/** 取草稿详情（含 form）。 */
+export async function getDraft(id: string): Promise<DraftRecord> {
+  return request<DraftRecord>('GET', `/api/drafts/${encodeURIComponent(id)}`);
+}
+
+/** 保存（新增/更新）草稿。 */
+export async function saveDraft(input: {
+  id: string;
+  assessorId?: string | null;
+  sourceAssessmentId?: string | null;
+  projectName?: string | null;
+  form: unknown;
+}): Promise<DraftRecord> {
+  return request<DraftRecord>('POST', '/api/drafts', input);
+}
+
+/** 删除草稿。 */
+export async function deleteDraftApi(id: string): Promise<void> {
+  await fetch(`${API_BASE}/api/drafts/${encodeURIComponent(id)}`, { method: 'DELETE', headers: authHeader() });
+}
+
+/** 方案对比。 */
+export interface ScenarioItem {
+  id: string;
+  label: string;
+  inputs: ProfitabilityInputs;
+  result: ProfitabilityResult;
+}
+
+export async function fetchScenarios(assessmentId: string): Promise<ScenarioItem[]> {
+  return request<ScenarioItem[]>('GET', `/api/assessments/${assessmentId}/scenarios`);
+}
+
+export async function createScenario(assessmentId: string, label: string, inputs: ProfitabilityInputs): Promise<ScenarioItem> {
+  return request('POST', `/api/assessments/${assessmentId}/scenarios`, { label, inputs });
+}
+
+/** 相似项目。 */
+export interface SimilarProjectItem {
+  id: string;
+  projectDescription: string;
+  businessType: string;
+  industry: string;
+  riskScore: number | null;
+  riskGrade: string | null;
+  netMargin: number | null;
+  rank: number;
+}
+
+export async function fetchSimilarProjects(description: string): Promise<SimilarProjectItem[]> {
+  const q = encodeURIComponent(description);
+  return request<SimilarProjectItem[]>('GET', `/api/similar?description=${q}`);
+}
+
+/** 看板统计。 */
+export interface DashboardStats {
+  byBusinessType: Array<{ dimension: string; count: number; avgRiskScore: number | null; passRate: number | null }>;
+  byIndustry: Array<{ dimension: string; count: number; avgRiskScore: number | null; passRate: number | null }>;
+  byRegion: Array<{ dimension: string; count: number; avgRiskScore: number | null; passRate: number | null }>;
+  riskDist: Array<{ grade: string; count: number }>;
+  trend: Array<{ month: string; count: number }>;
+}
+
+export async function fetchDashboardStats(): Promise<DashboardStats> {
+  return request<DashboardStats>('GET', '/api/dashboard/stats');
+}
+
+/** 经验库。 */
+export interface ExperienceItem {
+  id: number;
+  assessmentId: string;
+  businessType: string;
+  industry: string;
+  projectSummary: string;
+  lesson: string;
+  tags: string[];
+}
+
+export async function fetchExperience(businessType?: string, industry?: string): Promise<ExperienceItem[]> {
+  const sp = new URLSearchParams();
+  if (businessType) sp.set('businessType', businessType);
+  if (industry) sp.set('industry', industry);
+  const qs = sp.toString();
+  return request<ExperienceItem[]>('GET', `/api/experience${qs ? '?' + qs : ''}`);
+}
+
+/** 销售修改项目资料（仅驳回状态）。 */
+export async function updateAssessment(
+  id: string,
+  data: { projectDescription?: string; region?: string; profitabilityInputs?: ProfitabilityInputs; user?: string },
+): Promise<{ updated: boolean; profitability: ProfitabilityResult | null; recommendation: Recommendation | null }> {
+  const res = await fetch(`${API_BASE}/api/assessments/${id}`, {
+    method: 'PUT',
+    headers: { 'Content-Type': 'application/json', ...authHeader() },
+    body: JSON.stringify(data),
+  });
+  if (!res.ok) {
+    const err = await res.json().catch(() => ({})) as { error?: string };
+    throw new ApiError(res.status, err.error ?? `HTTP ${res.status}`);
+  }
+  return res.json();
+}