feat: 退休提醒功能 - 身份证提取出生日期、渐进式退休年龄计算、AI流式获取政策、用户确认生效

backend/prisma/schema.prisma

@@ -120,6 +120,7 @@ model Organization {
   contactName  String?
   contactPhone String?
   payrollFrequency Int    @default(1)  // 每月发薪次数（1=一次一批）
+  retirementReminderEnabled Boolean @default(false) // 退休提醒开关
   createdAt    DateTime @default(now())
   updatedAt    DateTime @updatedAt
 
@@ -151,6 +152,7 @@ model Organization {
   attendanceRecords    AttendanceRecord[]
   trainingRecords      TrainingRecord[]
   performanceRecords   PerformanceRecord[]
+  retirementPolicies   RetirementPolicy[]
 }
 
 model User {
@@ -200,6 +202,8 @@ model Employee {
   housingFundEndMonth   String?   // 当前公积金截止年月（便捷字段）
   specialDeduction  Float          @default(0)  // 专项附加扣除（子女教育、赡养老人等，员工portal端填报）
   city              String?        // 员工社保参保城市
+  birthDate         DateTime?      // 出生日期（从身份证号提取）
+  retirementDaysLeft Int?          // 距退休天数（便捷字段，定期计算）
   createdBy         String
   createdAt         DateTime       @default(now())
   updatedAt         DateTime       @updatedAt
@@ -828,3 +832,22 @@ model RagKnowledge {
   @@index([category])
   @@map("rag_knowledge")
 }
+
+// ========== 退休政策版本管理 ==========
+
+model RetirementPolicy {
+  id            String   @id @default(cuid())
+  orgId         String
+  org           Organization @relation(fields: [orgId], references: [id], onDelete: Cascade)
+  version       Int      @default(1)
+  content       String   // AI 返回的完整政策内容
+  contentHash   String   // 内容 hash，用于判断内容是否变化
+  status        String   @default("PENDING") // PENDING=待确认, CONFIRMED=已生效, SUPERSEDED=已被新版本替代
+  maleRetireAge Float    @default(60)   // 男性退休年龄
+  femaleRetireAge Float  @default(55)   // 女性退休年龄（干部55，工人50，由AI解析最新政策）
+  femaleWorkerAge Float  @default(50)   // 女性工人退休年龄
+  createdAt     DateTime @default(now())
+  confirmedAt   DateTime?  // 用户确认时间
+
+  @@index([orgId, createdAt])
+}

backend/scripts/backfill-birthdate.ts

@@ -0,0 +1,38 @@
+import prisma from '../src/lib/prisma'
+import { decrypt } from '../src/lib/crypto'
+
+function extractBirthDate(idCard: string): Date | null {
+  if (idCard.length === 18) {
+    const y = parseInt(idCard.substring(6, 10))
+    const m = parseInt(idCard.substring(10, 12))
+    const d = parseInt(idCard.substring(12, 14))
+    if (y && m && d) return new Date(y, m - 1, d)
+  }
+  if (idCard.length === 15) {
+    const y = parseInt('19' + idCard.substring(6, 8))
+    const m = parseInt(idCard.substring(8, 10))
+    const d = parseInt(idCard.substring(10, 12))
+    if (y && m && d) return new Date(y, m - 1, d)
+  }
+  return null
+}
+
+async function main() {
+  const employees = await prisma.employee.findMany({ select: { id: true, idCardNumber: true, birthDate: true } })
+  let updated = 0
+  for (const emp of employees) {
+    if (emp.birthDate) continue
+    if (!emp.idCardNumber) continue
+    let idCard: string
+    try { idCard = decrypt(emp.idCardNumber).toString() } catch { continue }
+    const birthDate = extractBirthDate(idCard)
+    if (birthDate) {
+      await prisma.employee.update({ where: { id: emp.id }, data: { birthDate } })
+      updated++
+    }
+  }
+  console.log(`Updated ${updated} employees with birthDate`)
+  await prisma.$disconnect()
+}
+
+main()

backend/scripts/check-retirement.ts

@@ -0,0 +1,30 @@
+import prisma from '../src/lib/prisma'
+import { decrypt } from '../src/lib/crypto'
+
+async function main() {
+  // 查找刘洋
+  const employees = await prisma.employee.findMany({
+    select: { id: true, name: true, birthDate: true, retirementDaysLeft: true, gender: true, idCardNumber: true },
+  })
+  for (const emp of employees) {
+    let idCard = ''
+    if (emp.idCardNumber) {
+      try { idCard = decrypt(emp.idCardNumber).toString() } catch {}
+    }
+    console.log(`${emp.name} | birthDate=${emp.birthDate?.toISOString().slice(0,10) || 'NULL'} | retirementDaysLeft=${emp.retirementDaysLeft ?? 'NULL'} | gender=${emp.gender} | idCard=${idCard.slice(0,6)}...`)
+  }
+
+  // 查找刘洋的合同
+  const liu = employees.find(e => e.name === '刘洋')
+  if (liu) {
+    const contracts = await prisma.contract.findMany({ where: { employeeId: liu.id }, select: { contractType: true, status: true } })
+    console.log('\n刘洋合同:', contracts)
+  }
+
+  // 查找已确认政策
+  const policies = await prisma.retirementPolicy.findMany({ select: { id: true, version: true, status: true, maleRetireAge: true, femaleRetireAge: true, femaleWorkerAge: true } })
+  console.log('\n政策:', policies)
+
+  await prisma.$disconnect()
+}
+main()

backend/scripts/test-retirement.ts

@@ -0,0 +1,13 @@
+import { fetchRetirementPolicy } from '../src/services/ai.service'
+
+async function main() {
+  console.log('Calling AI...')
+  const result = await fetchRetirementPolicy()
+  console.log('maleRetireAge:', result.maleRetireAge)
+  console.log('femaleRetireAge:', result.femaleRetireAge)
+  console.log('femaleWorkerAge:', result.femaleWorkerAge)
+  console.log('content length:', result.content.length)
+  console.log('content preview:', result.content.slice(0, 500))
+}
+
+main().catch(err => console.error('Error:', err.message))

backend/src/routes/import.routes.ts

@@ -5,6 +5,7 @@ import { authMiddleware, AuthRequest } from '../middleware/auth'
 import { requireAdmin } from '../middleware/rbac'
 import { encrypt, decrypt, sha256 } from '../lib/crypto'
 import prisma from '../lib/prisma'
+import { extractBirthDateFromIdCard, extractGenderFromIdCard } from '../services/retirement.service'
 
 const router = Router()
 const upload = multer({ storage: multer.memoryStorage(), limits: { fileSize: 10 * 1024 * 1024 } })
@@ -244,10 +245,11 @@ router.post('/excel', authMiddleware, requireAdmin, upload.single('file'), async
             data: {
               orgId, name, department: dept, hireDate,
               monthlySalary: encrypt(salary),
-              gender: val(r['性别']) || null,
+              gender: val(r['性别']) || (idCard ? extractGenderFromIdCard(idCard) : null),
               phone: val(r['手机号']) || null,
               idCardNumber: idCard ? encrypt(idCard) : null,
               idCardHash: idCard ? sha256(idCard) : null,
+              birthDate: idCard ? extractBirthDateFromIdCard(idCard) : null,
               emergencyContact: val(r['紧急联系人']) || null,
               emergencyPhone: val(r['紧急联系电话']) || null,
               address: val(r['住址']) || null,

backend/src/routes/settings.routes.ts

@@ -4,6 +4,7 @@ import prisma from '../lib/prisma'
 import { authMiddleware, AuthRequest } from '../middleware/auth'
 import { requireAdmin } from '../middleware/rbac'
 import { z } from 'zod'
+import { checkAndUpdateRetirementPolicy, confirmRetirementPolicy } from '../services/retirement.service'
 
 const router = Router()
 router.use(authMiddleware)
@@ -27,7 +28,7 @@ router.get('/org', async (req: AuthRequest, res, next) => {
   try {
     const org = await prisma.organization.findUnique({
       where: { id: req.user!.orgId },
-      select: { id: true, name: true, plan: true, maxEmployees: true, city: true, contactName: true, contactPhone: true, payrollFrequency: true, createdAt: true },
+      select: { id: true, name: true, plan: true, maxEmployees: true, city: true, contactName: true, contactPhone: true, payrollFrequency: true, retirementReminderEnabled: true, createdAt: true },
     })
     res.json({ success: true, data: org })
   } catch (err) {
@@ -38,17 +39,18 @@ router.get('/org', async (req: AuthRequest, res, next) => {
 // 更新企业信息
 router.put('/org', requireAdmin, async (req: AuthRequest, res, next) => {
   try {
-    const { name, payrollFrequency, city, contactName, contactPhone } = req.body as { name?: string; payrollFrequency?: number; city?: string; contactName?: string; contactPhone?: string }
+    const { name, payrollFrequency, city, contactName, contactPhone, retirementReminderEnabled } = req.body as { name?: string; payrollFrequency?: number; city?: string; contactName?: string; contactPhone?: string; retirementReminderEnabled?: boolean }
     const updateData: any = {}
     if (name) updateData.name = name
     if (payrollFrequency !== undefined) updateData.payrollFrequency = payrollFrequency
     if (city !== undefined) updateData.city = city
     if (contactName !== undefined) updateData.contactName = contactName
     if (contactPhone !== undefined) updateData.contactPhone = contactPhone
+    if (retirementReminderEnabled !== undefined) updateData.retirementReminderEnabled = retirementReminderEnabled
     const org = await prisma.organization.update({
       where: { id: req.user!.orgId },
       data: updateData,
-      select: { id: true, name: true, plan: true, maxEmployees: true, city: true, contactName: true, contactPhone: true, payrollFrequency: true },
+      select: { id: true, name: true, plan: true, maxEmployees: true, city: true, contactName: true, contactPhone: true, payrollFrequency: true, retirementReminderEnabled: true },
     })
     res.json({ success: true, data: org })
   } catch (err) {
@@ -190,3 +192,106 @@ router.get('/usage', async (req: AuthRequest, res, next) => {
 })
 
 export default router
+
+// ========== 退休政策 ==========
+
+// 获取当前生效的退休政策和待确认政策
+router.get('/retirement-policy', async (req: AuthRequest, res, next) => {
+  try {
+    const orgId = req.user!.orgId
+    const org = await prisma.organization.findUnique({ where: { id: orgId }, select: { retirementReminderEnabled: true } })
+
+    // 如果开启了退休提醒，懒加载检查是否需要获取新政策
+    if (org?.retirementReminderEnabled) {
+      await checkAndUpdateRetirementPolicy(orgId).catch(() => {})
+    }
+
+    // 查询当前生效的政策
+    const confirmedPolicy = await prisma.retirementPolicy.findFirst({
+      where: { orgId, status: 'CONFIRMED' },
+      orderBy: { createdAt: 'desc' },
+    })
+
+    // 查询待确认的政策
+    const pendingPolicy = await prisma.retirementPolicy.findFirst({
+      where: { orgId, status: 'PENDING' },
+      orderBy: { createdAt: 'desc' },
+    })
+
+    res.json({
+      success: true,
+      data: {
+        enabled: org?.retirementReminderEnabled || false,
+        confirmed: confirmedPolicy,
+        pending: pendingPolicy,
+      },
+    })
+  } catch (err) {
+    next(err)
+  }
+})
+
+// 确认退休政策
+router.post('/retirement-policy/:id/confirm', requireAdmin, async (req: AuthRequest, res, next) => {
+  try {
+    await confirmRetirementPolicy(req.user!.orgId, req.params.id)
+    res.json({ success: true, message: '退休政策已确认生效' })
+  } catch (err: any) {
+    res.status(400).json({ success: false, error: { code: 'BAD_REQUEST', message: err.message || '确认失败' } })
+  }
+})
+
+// 手动触发获取最新退休政策（SSE 流式）
+router.post('/retirement-policy/refresh', requireAdmin, async (req: AuthRequest, res, next) => {
+  try {
+    const orgId = req.user!.orgId
+    res.setHeader('Content-Type', 'text/event-stream')
+    res.setHeader('Cache-Control', 'no-cache')
+    res.setHeader('Connection', 'keep-alive')
+
+    const { fetchRetirementPolicyStream } = await import('../services/ai.service')
+    const crypto = await import('crypto')
+
+    let fullContent = ''
+    for await (const chunk of fetchRetirementPolicyStream()) {
+      fullContent += chunk
+      res.write(`data: ${JSON.stringify({ type: 'chunk', content: chunk })}\n\n`)
+    }
+
+    // 解析 JSON
+    let maleRetireAge = 60
+    let femaleRetireAge = 55
+    let femaleWorkerAge = 50
+    const jsonMatch = fullContent.match(/<JSON>([\s\S]*?)<\/JSON>/)
+    if (jsonMatch) {
+      try {
+        const parsed = JSON.parse(jsonMatch[1].trim())
+        if (parsed.maleRetireAge) maleRetireAge = Number(parsed.maleRetireAge)
+        if (parsed.femaleRetireAge) femaleRetireAge = Number(parsed.femaleRetireAge)
+        if (parsed.femaleWorkerAge) femaleWorkerAge = Number(parsed.femaleWorkerAge)
+      } catch {}
+    }
+
+    const contentHash = crypto.createHash('sha256').update(fullContent).digest('hex')
+    const latestPolicy = await prisma.retirementPolicy.findFirst({ where: { orgId }, orderBy: { createdAt: 'desc' } })
+
+    if (latestPolicy && latestPolicy.contentHash === contentHash) {
+      res.write(`data: ${JSON.stringify({ type: 'done', message: '政策内容未变化' })}\n\n`)
+      res.end()
+      return
+    }
+
+    const version = latestPolicy ? latestPolicy.version + 1 : 1
+    const policy = await prisma.retirementPolicy.create({
+      data: {
+        orgId, version, content: fullContent, contentHash, status: 'PENDING',
+        maleRetireAge, femaleRetireAge, femaleWorkerAge,
+      },
+    })
+    res.write(`data: ${JSON.stringify({ type: 'done', data: policy, message: '已获取新政策，待确认' })}\n\n`)
+    res.end()
+  } catch (err) {
+    res.write(`data: ${JSON.stringify({ type: 'error', message: '获取失败' })}\n\n`)
+    res.end()
+  }
+})

backend/src/services/ai.service.ts

@@ -233,3 +233,122 @@ ${orgContext}`
     if (delta) yield delta
   }
 }
+
+export interface RetirementPolicyResult {
+  content: string
+  maleRetireAge: number
+  femaleRetireAge: number
+  femaleWorkerAge: number
+}
+
+export async function fetchRetirementPolicy(): Promise<RetirementPolicyResult> {
+  const today = new Date().toISOString().slice(0, 10)
+  const prompt = `当前日期是${today}。请提供中国最新的法定退休年龄政策。
+
+已知背景信息（请以此为准）：
+- 2024年9月13日，全国人大常委会通过《关于实施渐进式延迟法定退休年龄的决定》，2025年1月1日起正式实施。
+- 渐进式延迟退休改革方案（15年过渡期，2025年1月1日至2039年12月31日）：
+  - 男性职工：从60岁逐步延迟到63岁，每4个月延迟1个月
+  - 女性干部/管理岗：从55岁逐步延迟到58岁，每4个月延迟1个月
+  - 女性工人/操作岗：从50岁逐步延迟到55岁，每2个月延迟1个月
+- 改革前基准：男60岁、女干部55岁、女工人50岁（1978年国发〔1978〕104号）
+
+请根据当前日期${today}，计算当前渐进式延迟退休已实施的进度，给出当前实际适用的法定退休年龄（精确到月）。
+
+要求：
+1. 说明当前政策状态和已实施的延迟进度
+2. 给出截至当前日期，各类人员实际适用的法定退休年龄
+3. 在末尾用以下JSON格式输出结构化数据（用<JSON>和</JSON>标记包裹）：
+<JSON>
+{
+  "maleRetireAge": <计算后的男性退休年龄，如60.33表示60岁4个月>,
+  "femaleRetireAge": <计算后的女性干部退休年龄>,
+  "femaleWorkerAge": <计算后的女性工人退休年龄>
+}
+</JSON>
+其中：
+- maleRetireAge: 当前男性法定退休年龄（含渐进延迟，必须填入计算后的值，不要填基准60）
+- femaleRetireAge: 当前女性干部/管理岗法定退休年龄（必须填入计算后的值，不要填基准55）
+- femaleWorkerAge: 当前女性工人/操作岗法定退休年龄（必须填入计算后的值，不要填基准50）
+- 年龄用小数表示，整数部分为岁，小数部分为月/12，如60岁4个月=60.33，50岁8个月=50.67
+
+请确保JSON中的数值与你在正文中计算出的退休年龄完全一致，不要使用改革前的基准值。`
+
+  const response = await client.chat.completions.create({
+    model: 'qwen-plus',
+    messages: [
+      { role: 'system', content: '你是劳动政策专家，精通中国退休政策法规。请提供准确的政策信息。' },
+      { role: 'user', content: prompt },
+    ],
+    temperature: 0.3,
+    max_tokens: 2000,
+  })
+
+  const text = response.choices[0]?.message?.content || ''
+
+  let maleRetireAge = 60
+  let femaleRetireAge = 55
+  let femaleWorkerAge = 50
+
+  const jsonMatch = text.match(/<JSON>([\s\S]*?)<\/JSON>/)
+  if (jsonMatch) {
+    try {
+      const parsed = JSON.parse(jsonMatch[1].trim())
+      if (parsed.maleRetireAge) maleRetireAge = Number(parsed.maleRetireAge)
+      if (parsed.femaleRetireAge) femaleRetireAge = Number(parsed.femaleRetireAge)
+      if (parsed.femaleWorkerAge) femaleWorkerAge = Number(parsed.femaleWorkerAge)
+    } catch {}
+  }
+
+  return { content: text, maleRetireAge, femaleRetireAge, femaleWorkerAge }
+}
+
+export async function* fetchRetirementPolicyStream(): AsyncGenerator<string> {
+  const today = new Date().toISOString().slice(0, 10)
+  const prompt = `当前日期是${today}。请提供中国最新的法定退休年龄政策。
+
+已知背景信息（请以此为准）：
+- 2024年9月13日，全国人大常委会通过《关于实施渐进式延迟法定退休年龄的决定》，2025年1月1日起正式实施。
+- 渐进式延迟退休改革方案（15年过渡期，2025年1月1日至2039年12月31日）：
+  - 男性职工：从60岁逐步延迟到63岁，每4个月延迟1个月
+  - 女性干部/管理岗：从55岁逐步延迟到58岁，每4个月延迟1个月
+  - 女性工人/操作岗：从50岁逐步延迟到55岁，每2个月延迟1个月
+- 改革前基准：男60岁、女干部55岁、女工人50岁（1978年国发〔1978〕104号）
+
+请根据当前日期${today}，计算当前渐进式延迟退休已实施的进度，给出当前实际适用的法定退休年龄（精确到月）。
+
+要求：
+1. 说明当前政策状态和已实施的延迟进度
+2. 给出截至当前日期，各类人员实际适用的法定退休年龄
+3. 在末尾用以下JSON格式输出结构化数据（用<JSON>和</JSON>标记包裹）：
+<JSON>
+{
+  "maleRetireAge": <计算后的男性退休年龄，如60.33表示60岁4个月>,
+  "femaleRetireAge": <计算后的女性干部退休年龄>,
+  "femaleWorkerAge": <计算后的女性工人退休年龄>
+}
+</JSON>
+其中：
+- maleRetireAge: 当前男性法定退休年龄（含渐进延迟，必须填入计算后的值，不要填基准60）
+- femaleRetireAge: 当前女性干部/管理岗法定退休年龄（必须填入计算后的值，不要填基准55）
+- femaleWorkerAge: 当前女性工人/操作岗法定退休年龄（必须填入计算后的值，不要填基准50）
+- 年龄用小数表示，整数部分为岁，小数部分为月/12，如60岁4个月=60.33，50岁8个月=50.67
+
+请确保JSON中的数值与你在正文中计算出的退休年龄完全一致，不要使用改革前的基准值。`
+
+  const stream = await client.chat.completions.create({
+    model: 'qwen-plus',
+    messages: [
+      { role: 'system', content: '你是劳动政策专家，精通中国退休政策法规。请提供准确的政策信息。' },
+      { role: 'user', content: prompt },
+    ],
+    temperature: 0.3,
+    max_tokens: 2000,
+    stream: true,
+  })
+
+  for await (const chunk of stream) {
+    const delta = chunk.choices[0]?.delta?.content
+    if (delta) yield delta
+  }
+}

backend/src/services/retirement.service.ts

@@ -0,0 +1,149 @@
+import crypto from 'crypto'
+import prisma from '../lib/prisma'
+import { fetchRetirementPolicy } from './ai.service'
+
+// 从身份证号提取出生日期
+export function extractBirthDateFromIdCard(idCard: string): Date | null {
+  // 18位身份证：7-14位为出生日期 YYYYMMDD
+  if (idCard.length === 18) {
+    const year = parseInt(idCard.substring(6, 10))
+    const month = parseInt(idCard.substring(10, 12))
+    const day = parseInt(idCard.substring(12, 14))
+    if (year && month && day) {
+      return new Date(year, month - 1, day)
+    }
+  }
+  // 15位老身份证：7-12位为出生日期 YYMMDD
+  if (idCard.length === 15) {
+    const year = parseInt('19' + idCard.substring(6, 8))
+    const month = parseInt(idCard.substring(8, 10))
+    const day = parseInt(idCard.substring(10, 12))
+    if (year && month && day) {
+      return new Date(year, month - 1, day)
+    }
+  }
+  return null
+}
+
+// 从身份证号提取性别（18位：第17位奇数为男，偶数为女；15位：第15位）
+export function extractGenderFromIdCard(idCard: string): string | null {
+  if (idCard.length === 18) {
+    const genderCode = parseInt(idCard.substring(16, 17))
+    return genderCode % 2 === 1 ? '男' : '女'
+  }
+  if (idCard.length === 15) {
+    const genderCode = parseInt(idCard.substring(14, 15))
+    return genderCode % 2 === 1 ? '男' : '女'
+  }
+  return null
+}
+
+// 计算距退休天数（支持小数退休年龄，如 60.33 = 60岁4个月）
+export function calcRetirementDaysLeft(birthDate: Date, gender: string, maleRetireAge: number, femaleRetireAge: number, femaleWorkerAge: number): number | null {
+  const retireAge = gender === '男' ? maleRetireAge : femaleRetireAge
+  if (!retireAge) return null
+
+  // 分离整数年和月数
+  const years = Math.floor(retireAge)
+  const months = Math.round((retireAge - years) * 12)
+
+  // 计算退休日期：出生日期 + 整数年 + 月数
+  const retireDate = new Date(birthDate)
+  retireDate.setFullYear(retireDate.getFullYear() + years)
+  retireDate.setMonth(retireDate.getMonth() + months)
+
+  // 计算距今天数
+  const now = new Date()
+  const diffMs = retireDate.getTime() - now.getTime()
+  return Math.floor(diffMs / (1000 * 60 * 60 * 24))
+}
+
+// 检查并获取最新退休政策（懒加载：每月最多获取一次，存为 PENDING 待用户确认）
+export async function checkAndUpdateRetirementPolicy(orgId: string): Promise<void> {
+  const now = new Date()
+  const latestPolicy = await prisma.retirementPolicy.findFirst({
+    where: { orgId },
+    orderBy: { createdAt: 'desc' },
+  })
+
+  // 如果本月已获取过（无论是否确认），则跳过
+  if (latestPolicy) {
+    const updatedThisMonth = latestPolicy.createdAt.getMonth() === now.getMonth() &&
+      latestPolicy.createdAt.getFullYear() === now.getFullYear()
+    if (updatedThisMonth) return
+  }
+
+  // 调用 AI 获取最新政策
+  const result = await fetchRetirementPolicy()
+
+  // 计算内容 hash，判断内容是否变化
+  const contentHash = crypto.createHash('sha256').update(result.content).digest('hex')
+
+  // 如果最新政策的 hash 相同，则不新增版本
+  if (latestPolicy && latestPolicy.contentHash === contentHash) {
+    return
+  }
+
+  // 新建版本（PENDING 状态，待用户确认）
+  const version = latestPolicy ? latestPolicy.version + 1 : 1
+  await prisma.retirementPolicy.create({
+    data: {
+      orgId,
+      version,
+      content: result.content,
+      contentHash,
+      status: 'PENDING',
+      maleRetireAge: result.maleRetireAge,
+      femaleRetireAge: result.femaleRetireAge,
+      femaleWorkerAge: result.femaleWorkerAge,
+    },
+  })
+}
+
+// 用户确认退休政策，正式生效并更新员工退休天数
+export async function confirmRetirementPolicy(orgId: string, policyId: string): Promise<void> {
+  const policy = await prisma.retirementPolicy.findFirst({
+    where: { id: policyId, orgId },
+  })
+  if (!policy) throw new Error('政策不存在')
+  if (policy.status === 'CONFIRMED') return
+
+  // 将旧的 CONFIRMED 政策标记为 SUPERSEDED
+  await prisma.retirementPolicy.updateMany({
+    where: { orgId, status: 'CONFIRMED', id: { not: policyId } },
+    data: { status: 'SUPERSEDED' },
+  })
+
+  // 确认新政策生效
+  await prisma.retirementPolicy.update({
+    where: { id: policyId },
+    data: { status: 'CONFIRMED', confirmedAt: new Date() },
+  })
+
+  // 更新所有正式合同员工的距退休天数
+  await updateEmployeesRetirementDays(orgId, policy.maleRetireAge, policy.femaleRetireAge, policy.femaleWorkerAge)
+}
+
+// 批量更新员工距退休天数
+export async function updateEmployeesRetirementDays(orgId: string, maleRetireAge: number, femaleRetireAge: number, femaleWorkerAge: number): Promise<void> {
+  // 查询有正式劳动合同的员工
+  const employees = await prisma.employee.findMany({
+    where: {
+      orgId,
+      contracts: { some: { contractType: { in: ['FIXED', 'UNFIXED'] } } },
+    },
+    select: { id: true, birthDate: true, gender: true, idCardNumber: true },
+  })
+
+  for (const emp of employees) {
+    if (!emp.birthDate) continue
+    const gender = emp.gender || '男'
+    const daysLeft = calcRetirementDaysLeft(emp.birthDate, gender, maleRetireAge, femaleRetireAge, femaleWorkerAge)
+    if (daysLeft !== null) {
+      await prisma.employee.update({
+        where: { id: emp.id },
+        data: { retirementDaysLeft: daysLeft },
+      })
+    }
+  }
+}

frontend/src/pages/Roster.tsx

@@ -905,6 +905,9 @@ function BasicInfo({ profile }: { profile: any }) {
     { label: '开户行', value: profile.bankName || '未填写' },
     { label: '银行账号', value: profile.bankAccount || '未填写' },
     { label: '状态', value: profile.status === 'ACTIVE' ? '在职' : '离职' },
+    ...(profile.retirementDaysLeft != null
+      ? [{ label: '距退休', value: profile.retirementDaysLeft > 0 ? `${profile.retirementDaysLeft}天` : '已到退休年龄' }]
+      : []),
     ...(profile.status !== 'ACTIVE' && profile.terminations && profile.terminations.length > 0
       ? [{ label: '离职日期', value: profile.terminations
           .map((t: any) => t.terminationDate?.toString().slice(0, 10))

frontend/src/pages/Settings.tsx

@@ -1,7 +1,7 @@
 import { useState, useEffect } from 'react'
 import { toast } from 'sonner'
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query'
-import { Building2, Users, CreditCard, Plus, Bell, Download, Upload, FileSpreadsheet } from 'lucide-react'
+import { Building2, Users, CreditCard, Plus, Bell, Download, Upload, FileSpreadsheet, Clock, CheckCircle, AlertCircle, RefreshCw } from 'lucide-react'
 import api from '../lib/api'
 import { useAuthStore } from '../store/authStore'
 import Card from '../components/ui/Card'
@@ -94,6 +94,7 @@ function OrgSettings({ orgData, onSave, saving }: { orgData: any; onSave: (data:
     contactName: '',
     contactPhone: '',
     payrollFrequency: 1,
+    retirementReminderEnabled: false,
   })
 
   useEffect(() => {
@@ -103,6 +104,7 @@ function OrgSettings({ orgData, onSave, saving }: { orgData: any; onSave: (data:
         contactName: orgData.contactName || '',
         contactPhone: orgData.contactPhone || '',
         payrollFrequency: orgData.payrollFrequency || 1,
+        retirementReminderEnabled: orgData.retirementReminderEnabled || false,
       })
     }
   }, [orgData])
@@ -138,10 +140,180 @@ function OrgSettings({ orgData, onSave, saving }: { orgData: any; onSave: (data:
         </Button>
       </div>
 
+      <RetirementSection enabled={form.retirementReminderEnabled} onToggle={(v) => { setForm({ ...form, retirementReminderEnabled: v }); onSave({ ...form, retirementReminderEnabled: v }) }} />
     </Card>
   )
 }
 
+function RetirementSection({ enabled, onToggle }: { enabled: boolean; onToggle: (v: boolean) => void }) {
+  const queryClient = useQueryClient()
+  const [confirming, setConfirming] = useState(false)
+  const [refreshing, setRefreshing] = useState(false)
+  const [streamContent, setStreamContent] = useState('')
+
+  const { data: policyData, isLoading } = useQuery<any>({
+    queryKey: ['retirement-policy'],
+    queryFn: async () => {
+      const res = await api.get('/settings/retirement-policy') as any
+      return res.data
+    },
+    enabled,
+  })
+
+  const confirmMutation = useMutation({
+    mutationFn: (id: string) => api.post(`/settings/retirement-policy/${id}/confirm`),
+    onSuccess: () => {
+      toast.success('退休政策已确认生效')
+      setConfirming(false)
+      queryClient.invalidateQueries({ queryKey: ['retirement-policy'] })
+    },
+    onError: () => toast.error('确认失败'),
+  })
+
+  const handleRefresh = async () => {
+    setRefreshing(true)
+    setStreamContent('')
+    try {
+      const token = useAuthStore.getState().accessToken
+      const baseUrl = import.meta.env.DEV ? 'http://localhost:3000/api/v1' : '/api/v1'
+      const res = await fetch(`${baseUrl}/settings/retirement-policy/refresh`, {
+        method: 'POST',
+        headers: { 'Authorization': `Bearer ${token}`, 'Content-Type': 'application/json' },
+      })
+      const reader = res.body?.getReader()
+      const decoder = new TextDecoder()
+      let buf = ''
+      while (reader) {
+        const { done, value } = await reader.read()
+        if (done) break
+        buf += decoder.decode(value, { stream: true })
+        const lines = buf.split('\n')
+        buf = lines.pop() || ''
+        for (const line of lines) {
+          if (line.startsWith('data: ')) {
+            try {
+              const msg = JSON.parse(line.slice(6))
+              if (msg.type === 'chunk') {
+                setStreamContent(prev => prev + msg.content)
+              } else if (msg.type === 'done') {
+                toast.success(msg.message || '已获取最新政策')
+                setRefreshing(false)
+                setStreamContent('')
+                queryClient.invalidateQueries({ queryKey: ['retirement-policy'] })
+              } else if (msg.type === 'error') {
+                toast.error(msg.message || '获取失败')
+                setRefreshing(false)
+                setStreamContent('')
+              }
+            } catch {}
+          }
+        }
+      }
+    } catch {
+      toast.error('获取失败')
+      setRefreshing(false)
+      setStreamContent('')
+    }
+  }
+
+  const confirmed = policyData?.confirmed
+  const pending = policyData?.pending
+
+  return (
+    <div className="mt-6 pt-6 border-t">
+      <div className="flex items-center justify-between mb-4">
+        <div className="flex items-center gap-2">
+          <Clock className="w-5 h-5 text-primary" />
+          <h3 className="font-medium">退休提醒</h3>
+          {enabled && (
+            <div className="flex gap-2 ml-4">
+              {pending && (
+                <Button size="sm" onClick={() => { setConfirming(true); confirmMutation.mutate(pending.id) }} disabled={confirming}>
+                  {confirming ? '确认中...' : '确认生效'}
+                </Button>
+              )}
+              <Button size="sm" variant="secondary" onClick={handleRefresh} disabled={refreshing}>
+                <RefreshCw className="w-3 h-3 mr-1" />{refreshing ? '获取中...' : '重新获取'}
+              </Button>
+            </div>
+          )}
+        </div>
+        <label className="flex items-center gap-2 cursor-pointer">
+          <span className="text-sm text-gray-500">{enabled ? '已开启' : '未开启'}</span>
+          <button
+            type="button"
+            onClick={() => onToggle(!enabled)}
+            className={`relative inline-flex h-6 w-11 items-center rounded-full transition-colors ${enabled ? 'bg-primary' : 'bg-gray-300'}`}
+          >
+            <span className={`inline-block h-4 w-4 transform rounded-full bg-white transition-transform ${enabled ? 'translate-x-6' : 'translate-x-1'}`} />
+          </button>
+        </label>
+      </div>
+
+      {enabled && (
+        <div className="space-y-3">
+          {/* 当前生效政策 */}
+          {confirmed && (
+            <div className="rounded-lg border border-green-200 bg-green-50 p-3">
+              <div className="flex items-center gap-2 mb-2">
+                <CheckCircle className="w-4 h-4 text-green-600" />
+                <span className="text-sm font-medium text-green-800">当前生效政策（v{confirmed.version}）</span>
+                <span className="text-xs text-gray-500 ml-auto">
+                  确认于 {new Date(confirmed.confirmedAt).toLocaleDateString('zh-CN')}
+                </span>
+              </div>
+              <div className="text-xs text-gray-600 space-y-1">
+                <div>男性退休年龄：<b>{confirmed.maleRetireAge}岁</b>　女性干部：<b>{confirmed.femaleRetireAge}岁</b>　女性工人：<b>{confirmed.femaleWorkerAge}岁</b></div>
+                <details className="mt-1">
+                  <summary className="cursor-pointer text-gray-500 hover:text-gray-700">查看完整政策内容</summary>
+                  <div className="mt-2 whitespace-pre-wrap text-xs max-h-48 overflow-y-auto bg-white rounded p-2 border">{confirmed.content}</div>
+                </details>
+              </div>
+            </div>
+          )}
+
+          {/* 待确认政策 */}
+          {pending && (
+            <div className="rounded-lg border border-orange-200 bg-orange-50 p-3">
+              <div className="flex items-center gap-2 mb-2">
+                <AlertCircle className="w-4 h-4 text-orange-600" />
+                <span className="text-sm font-medium text-orange-800">检测到新政策版本（v{pending.version}），请确认后生效</span>
+              </div>
+              <div className="text-xs text-gray-600 space-y-1">
+                <div>男性退休年龄：<b>{pending.maleRetireAge}岁</b>　女性干部：<b>{pending.femaleRetireAge}岁</b>　女性工人：<b>{pending.femaleWorkerAge}岁</b></div>
+                <details className="mt-1">
+                  <summary className="cursor-pointer text-gray-500 hover:text-gray-700">查看完整政策内容</summary>
+                  <div className="mt-2 whitespace-pre-wrap text-xs max-h-48 overflow-y-auto bg-white rounded p-2 border">{pending.content}</div>
+                </details>
+              </div>
+            </div>
+          )}
+
+          {/* 无政策 */}
+          {!confirmed && !pending && !isLoading && (
+            <div className="rounded-lg border border-gray-200 bg-gray-50 p-3 text-center">
+              <p className="text-sm text-gray-500">暂无退休政策数据，点击上方"重新获取"按钮获取最新政策</p>
+            </div>
+          )}
+
+          {isLoading && <p className="text-sm text-gray-400 text-center">加载中...</p>}
+
+          {/* 流式输出 */}
+          {streamContent && (
+            <div className="rounded-lg border border-blue-200 bg-blue-50 p-3">
+              <div className="flex items-center gap-2 mb-2">
+                <RefreshCw className="w-4 h-4 text-blue-600 animate-spin" />
+                <span className="text-sm font-medium text-blue-800">AI 正在获取最新政策...</span>
+              </div>
+              <div className="whitespace-pre-wrap text-xs max-h-64 overflow-y-auto bg-white rounded p-2 border">{streamContent}</div>
+            </div>
+          )}
+        </div>
+      )}
+    </div>
+  )
+}
+
 function UserSettings({ usersData }: { usersData: any }) {
   const queryClient = useQueryClient()
   const [showAddModal, setShowAddModal] = useState(false)