借款对账 S3：银行终态确认与释放（09-17-company-loan-principal-repayment）

迁移 20261008010000
- 银行终态证据单独成表（不进 OCR、不改付款状态、不计回单），只能作废一次，
  作废即令依赖事实失效；复核人可凭理由查看（审计、SHA-256 校验）
- 每次银行提交一条终态事实：书面终态证据，或流水号等于指令号的严格失败回单；
  同一指令的终态可了结该指令的处理中回单，其他提交不能代替
- 新终态 confirmed_not_paid；释放须清单已复核未变、每次提交有成立的终态事实、
  导出均关联提交、回单均有解释、等待期满、无历史汇总
- 最终取消在同一事务内重验（与新提交、晚到回单串行）；两条释放路径都检查等待期
- 防挪用：指令号跨批次唯一（含撤回）、失败回单绑定本批次指令、一笔失败交易
  只支撑一个批次、同一书面证据不能用于两个批次、登记提交即离开“未发送”

验证：借款 HTTP 57 组、浏览器 7 组、77 迁移；server 4472；四轮同模型只读复核
阻断项均已修复，资金守卫变异测试均变红。

注意：界面未完成，不能单独部署；真实回单待验；补证后的恢复缺口尚未设计。
未推送、未部署。

Co-Authored-By: Claude Opus 5.5 <[email protected]>

server/src/constants/errorReasons.js

@@ -29,6 +29,15 @@ const ERROR_REASONS = [
   {"code":"loan.voided_receipt_unresolved","domain":"loan","audience":"user","defaultMessage":"已作废的回单曾显示付款成功或处理中，须先查明该笔付款结果，当前不能确认失败。","recovery":"follow_guidance"},
   {"code":"loan.submission_export_invalid","domain":"loan","audience":"user","defaultMessage":"所选导出记录不属于本批次，或网银导入的提交未关联导出记录。","recovery":"follow_guidance"},
   {"code":"loan.submission_attestation_exists","domain":"loan","audience":"user","defaultMessage":"本批次已有待复核或已通过的提交清单确认，请勿重复提交。","recovery":"follow_guidance"},
+  {"code":"loan.terminal_fact_invalid","domain":"loan","audience":"user","defaultMessage":"银行终态事实与提交、证据或回单不一致，或证据已作废、已变化，须重新登记。","recovery":"follow_guidance"},
+  {"code":"loan.terminal_coverage_incomplete","domain":"loan","audience":"user","defaultMessage":"尚有银行提交没有经复核的终态事实，不能确认未付款或释放额度。","recovery":"follow_guidance"},
+  {"code":"loan.export_unlinked","domain":"loan","audience":"user","defaultMessage":"有导出记录没有关联到已登记的银行提交，须先核实该次导出是否提交银行。","recovery":"follow_guidance"},
+  {"code":"loan.receipt_unresolved_for_release","domain":"loan","audience":"user","defaultMessage":"本批次有银行回单尚未被终态事实覆盖，可能显示付款成功或处理中，不能释放额度。","recovery":"follow_guidance"},
+  {"code":"loan.release_wait_period","domain":"loan","audience":"user","defaultMessage":"距最后一次导出未满内部等待期，暂不能确认未付款或释放额度。","recovery":"follow_guidance"},
+  {"code":"loan.instruction_ref_conflict","domain":"loan","audience":"user","defaultMessage":"该银行指令号已登记在其他还款批次，请核对后重新登记。","recovery":"follow_guidance"},
+  {"code":"loan.terminal_fact_exists","domain":"loan","audience":"user","defaultMessage":"该银行提交已有待复核或已通过的终态事实，请勿重复登记。","recovery":"follow_guidance"},
+  {"code":"loan.terminal_evidence_invalid","domain":"loan","audience":"user","defaultMessage":"终态证据文件不符合要求，或已作废、不属于本批次。","recovery":"follow_guidance"},
+  {"code":"loan.failure_evidence_reused","domain":"loan","audience":"user","defaultMessage":"该笔银行失败交易已作为其他还款批次的依据，不能重复使用。","recovery":"follow_guidance"},
   {"code":"config.enabled_query_invalid","domain":"config","audience":"user","defaultMessage":"启用状态筛选无效，请重新选择后查询。","recovery":"follow_guidance"},
   {"code":"config.document_type_invalid","domain":"config","audience":"user","defaultMessage":"单据类型标识不符合要求，请重新选择单据类型。","recovery":"follow_guidance"},
   {"code":"document_sequence.type_unsupported","domain":"document_sequence","audience":"user","defaultMessage":"当前单据类型不支持编号，请联系管理员核对。","recovery":"follow_guidance"},