feat: 年度价值报告增加员工维度规避损失明细

- 后端按员工汇总已解决风险明细，含风险标题、法律依据、预估损失
- 前端新增员工规避损失明细表格，展示每员工的原始损失、规避率(30%)、打折后损失
- 表格含合计行，与总价值计算逻辑一致
- 修复RISK_AVOIDANCE_RATE重复声明

frontend/src/pages/tools/AnnualValueReport.tsx

@@ -220,6 +220,62 @@ export default function AnnualValueReport() {
         </div>
       </Card>
 
+      {/* 员工规避损失明细 */}
+      {report.employeeDetails && report.employeeDetails.length > 0 && (
+        <Card>
+          <h2 className="text-sm font-medium mb-3">员工规避损失明细</h2>
+          <div className="overflow-x-auto">
+            <table className="w-full text-xs">
+              <thead>
+                <tr className="border-b border-gray-200 text-gray-500">
+                  <th className="text-left py-2 px-2 font-medium">员工</th>
+                  <th className="text-left py-2 px-2 font-medium">部门</th>
+                  <th className="text-center py-2 px-2 font-medium">风险数</th>
+                  <th className="text-right py-2 px-2 font-medium">原始损失</th>
+                  <th className="text-right py-2 px-2 font-medium">规避率</th>
+                  <th className="text-right py-2 px-2 font-medium">规避损失(×30%)</th>
+                  <th className="text-left py-2 px-2 font-medium">风险明细</th>
+                </tr>
+              </thead>
+              <tbody>
+                {report.employeeDetails.map((emp: any, idx: number) => (
+                  <tr key={emp.employeeId || idx} className="border-b border-gray-50">
+                    <td className="py-2 px-2 font-medium">{emp.name}</td>
+                    <td className="py-2 px-2 text-gray-600">{emp.department}</td>
+                    <td className="py-2 px-2 text-center">{emp.riskCount}</td>
+                    <td className="py-2 px-2 text-right text-gray-600">¥{emp.lossAvoided.toLocaleString()}</td>
+                    <td className="py-2 px-2 text-right text-gray-400">30%</td>
+                    <td className="py-2 px-2 text-right font-bold text-safe">¥{emp.adjustedLoss.toLocaleString()}</td>
+                    <td className="py-2 px-2">
+                      <div className="space-y-0.5">
+                        {emp.details.map((d: any, i: number) => (
+                          <div key={i} className="flex items-center gap-1.5">
+                            <span className="text-gray-700">{d.title}</span>
+                            <span className="text-gray-400">·</span>
+                            <span className="text-gray-500">{d.legalBasis}</span>
+                            <span className="text-gray-400">·</span>
+                            <span className="text-gray-600">¥{d.estimatedLoss.toLocaleString()}</span>
+                          </div>
+                        ))}
+                      </div>
+                    </td>
+                  </tr>
+                ))}
+              </tbody>
+              <tfoot>
+                <tr className="border-t-2 border-gray-200 font-bold">
+                  <td className="py-2 px-2" colSpan={3}>合计</td>
+                  <td className="py-2 px-2 text-right">¥{(report.lossAvoided || 0).toLocaleString()}</td>
+                  <td className="py-2 px-2"></td>
+                  <td className="py-2 px-2 text-right text-safe">¥{(report.adjustedLossAvoided || 0).toLocaleString()}</td>
+                  <td className="py-2 px-2"></td>
+                </tr>
+              </tfoot>
+            </table>
+          </div>
+        </Card>
+      )}
+
       {/* 价值计算说明 */}
       <Card className="bg-gray-50">
         <h2 className="text-sm font-medium mb-2">价值计算说明</h2>