优化: 大文件拆分+代码分割+按需加载+console清理+any类型替换

- Money.tsx (2260行→54行): 拆分为 money/ 子目录4个组件, React.lazy二级分割
- AIAssistant.tsx (2038行→63行): 拆分为 ai-assistant/ 子目录6个组件, React.lazy二级分割
- xlsx改为动态导入, OvertimeTab从345KB降至12.7KB
- api-services.ts: 请求参数 any→Record<string,unknown>
- 移除前端3处console.log残留
- 后端console替换为pino logger
- 前后端未使用import/变量清理
- Zod schema验证: termination/platform/special-status/work-process
- 新增 leave.routes.ts, acceptance-test.routes.ts
- UI组件: PageGuide, QueryError, Stepper

frontend/src/pages/Policies.tsx

@@ -7,6 +7,8 @@ import Card from '../components/ui/Card'
 import Button from '../components/ui/Button'
 import EmptyState from '../components/ui/EmptyState'
 import Pagination from '../components/ui/Pagination'
+import PageGuide from '../components/ui/PageGuide'
+import QueryError from '../components/ui/QueryError'
 
 const STEP_LABELS: Record<string, string> = {
   DRAFTING: '起草',
@@ -27,7 +29,7 @@ export default function Policies() {
   const [page, setPage] = useState(1)
   const [pageSize, setPageSize] = useState(20)
 
-  const { data: listData, isLoading } = useQuery<any>({
+  const { data: listData, isLoading, isError, error, refetch } = useQuery<any>({
     queryKey: ['policies', page, pageSize],
     queryFn: async () => {
       return await policiesApi.list({ page, pageSize })
@@ -51,6 +53,9 @@ export default function Policies() {
 
   return (
     <div className="space-y-3">
+      <PageGuide>
+        规章制度管理遵循民主程序四步法：起草 → 讨论 → 协商 → 公示。每一步均需记录参与人员、会议纪要及员工签字，确保制度合法有效。新建制度后按步骤推进，系统自动生成民主程序履行记录。
+      </PageGuide>
       <div className="flex items-center justify-between">
         <div>
           <div className="flex items-center gap-2">
@@ -66,6 +71,8 @@ export default function Policies() {
 
       {isLoading ? (
         <div className="text-center py-8 text-gray-500">加载中...</div>
+      ) : isError ? (
+        <QueryError error={error} onRetry={refetch} />
       ) : !list || list.length === 0 ? (
         <EmptyState title="暂无规章制度" description="点击右上角新建制度" />
       ) : (