feat: 完成全部11项优化需求 + 模板必填项标注 + 归档重算个税

- 高优先级: 花名册导入模板必填项标注、性别自动识别、导入结果反馈、证据链Excel导出、身份证搜索修复、试用期区分与转正提醒、薪税批次流程优化
- 中优先级: 专项附加扣除批量导入、文本模板库完善(Word下载/复制/使用说明)、用工体检评分标准说明、考勤页面导入入口
- 所有导入模板表头标注必填项(*后缀)并含示例行
- 导入逻辑统一改用getField兼容*后缀列名
- 批次归档时强制重算所有条目个税和社保,解决多未归档批次并存时累计计算不准问题
- 更新需求梳理文档

frontend/src/pages/Templates.tsx

@@ -1,8 +1,9 @@
 import { useState } from 'react'
 import { useQuery } from '@tanstack/react-query'
-import { FileText, Copy, X, ChevronRight } from 'lucide-react'
+import { FileText, Copy, X, ChevronRight, Download, BookOpen, HelpCircle } from 'lucide-react'
 import { toast } from 'sonner'
 import api from '../lib/api'
+import { useAuthStore } from '../store/authStore'
 import Card from '../components/ui/Card'
 import Button from '../components/ui/Button'
 import EmptyState from '../components/ui/EmptyState'
@@ -100,11 +101,40 @@ export default function Templates() {
     }
   }
 
+  const [showHelp, setShowHelp] = useState(false)
+
   const handleCopy = () => {
     navigator.clipboard.writeText(rendered)
     toast.success('已复制到剪贴板')
   }
 
+  const handleDownloadWord = async () => {
+    if (!selected) return
+    try {
+      const token = useAuthStore.getState().accessToken
+      const baseURL = import.meta.env.DEV ? 'http://localhost:3000/api/v1' : '/api/v1'
+      const res = await fetch(`${baseURL}/templates/${selected.id}/download`, {
+        headers: token ? { Authorization: `Bearer ${token}` } : {},
+      })
+      const blob = await res.blob()
+      const url = URL.createObjectURL(blob)
+      const a = document.createElement('a')
+      a.href = url
+      a.download = `${selected.name}.doc`
+      a.click()
+      URL.revokeObjectURL(url)
+      toast.success('已下载 Word 文档')
+    } catch {
+      toast.error('下载失败')
+    }
+  }
+
+  const handleCopyAsNew = () => {
+    const text = rendered || detail?.content || ''
+    navigator.clipboard.writeText(text)
+    toast.success('模板内容已复制，可粘贴到 Word 中编辑使用')
+  }
+
   return (
     <div className="space-y-3">
       <div className="flex items-center gap-2">
@@ -113,6 +143,25 @@ export default function Templates() {
       </div>
       <p className="text-sm text-gray-500">合同、制度、通知等常用文本模板，支持变量替换</p>
 
+      <div className="flex items-center gap-2">
+        <Button size="sm" variant="secondary" onClick={() => setShowHelp(!showHelp)}>
+          <HelpCircle className="w-3.5 h-3.5 mr-1" />使用说明
+        </Button>
+      </div>
+
+      {showHelp && (
+        <Card className="bg-blue-50/50">
+          <div className="space-y-2 text-xs text-gray-600">
+            <div className="flex items-center gap-1.5 font-medium text-gray-700"><BookOpen className="w-3.5 h-3.5" />使用说明</div>
+            <div>1. 选择需要的模板分类（合同/制度/通知/协议），点击模板卡片打开详情</div>
+            <div>2. 在弹窗中填写变量字段（如公司名称、员工姓名等），点击「渲染模板」生成完整文本</div>
+            <div>3. 渲染后可「复制」到剪贴板，或「下载 Word」保存为 .doc 文件</div>
+            <div>4. 「复制为新模板」将渲染结果复制到剪贴板，可粘贴到 Word 中进一步编辑</div>
+            <div>5. 变量字段为选填，未填写的变量将保留 <code className="px-1 bg-gray-100 rounded">{'{{变量名}}'}</code> 占位符</div>
+          </div>
+        </Card>
+      )}
+
       <div className="flex gap-2">
         {['', 'CONTRACT', 'RULES', 'NOTICE', 'AGREEMENT', 'OTHER'].map(c => (
           <button
@@ -187,15 +236,30 @@ export default function Templates() {
                 <div>
                   <div className="flex items-center justify-between mb-2">
                     <span className="text-xs font-medium text-gray-600">渲染结果</span>
-                    <button onClick={handleCopy} className="flex items-center gap-1 text-xs text-primary hover:underline">
-                      <Copy className="w-3 h-3" />复制
-                    </button>
+                    <div className="flex gap-2">
+                      <button onClick={handleCopyAsNew} className="flex items-center gap-1 text-xs text-primary hover:underline">
+                        <Copy className="w-3 h-3" />复制为新模板
+                      </button>
+                      <button onClick={handleDownloadWord} className="flex items-center gap-1 text-xs text-primary hover:underline">
+                        <Download className="w-3 h-3" />下载 Word
+                      </button>
+                      <button onClick={handleCopy} className="flex items-center gap-1 text-xs text-primary hover:underline">
+                        <Copy className="w-3 h-3" />复制
+                      </button>
+                    </div>
                   </div>
                   <pre className="text-sm text-gray-700 whitespace-pre-wrap bg-gray-50 p-3 rounded-lg max-h-[50vh] overflow-y-auto">{rendered}</pre>
                 </div>
               ) : detail?.content ? (
                 <div>
-                  <div className="text-xs font-medium text-gray-600 mb-2">模板原文</div>
+                  <div className="flex items-center justify-between mb-2">
+                    <span className="text-xs font-medium text-gray-600">模板原文</span>
+                    <div className="flex gap-2">
+                      <button onClick={handleDownloadWord} className="flex items-center gap-1 text-xs text-primary hover:underline">
+                        <Download className="w-3 h-3" />下载 Word
+                      </button>
+                    </div>
+                  </div>
                   <pre className="text-sm text-gray-700 whitespace-pre-wrap bg-gray-50 p-3 rounded-lg max-h-[50vh] overflow-y-auto">{detail.content}</pre>
                 </div>
               ) : null}