借款对账 S4–S8：人工未提交、晚到补记、追回与界面收口（09-17-company-loan-principal-repayment）

新增三类证据与双人复核的人工未提交、逐原因冻结、晚到付款逐借款补记和实际退款追回；补齐对账与补证恢复界面，保护已消费依据、最终归属重验及全局交易唯一性。

验证：81 迁移、HTTP 95 组、浏览器 13 组、数据库约束 9 组；13 项有效变异被捕获，部分由下游或数据库保护检出。构建、类型、合同和治理检查通过；修复后同模型只读静态复核通过。

真实回单待验、整体业务验收未通过；S0 存量、人员、银行材料与业务独立验收未完成。3 个新增迁移须纳入获批发布清单。本次仅本地提交，不推送、不部署。

server/prisma/schema.prisma

@@ -750,6 +750,12 @@ model Employee {
   loan_recoveries_reviewed LoanReleaseRecovery[] @relation("LoanReleaseReviewer")
   loan_recoveries_consumed LoanReleaseRecovery[] @relation("LoanReleaseConsumer")
   loan_recovery_events LoanReleaseRecoveryEvent[]
+  loan_not_submitted_proposals LoanNotSubmittedProposal[]
+  loan_not_submitted_reviews LoanNotSubmittedReview[]
+  loan_freezes_created LoanFreezeReason[] @relation("LoanFreezeCreator")
+  loan_freezes_closed LoanFreezeReason[] @relation("LoanFreezeCloser")
+  loan_bank_events_proposed LoanBankResultEvent[] @relation("LoanBankEventProposer")
+  loan_bank_events_reviewed LoanBankResultEvent[] @relation("LoanBankEventReviewer")
 
 }
 
@@ -1999,6 +2005,9 @@ model PaymentBatch {
   loan_failure_evidence_uses LoanFailureEvidenceUse[]
   @@map("payment_batches")
   loan_release_recoveries LoanReleaseRecovery[]
+  loan_freeze_reasons LoanFreezeReason[]
+  loan_bank_result_events LoanBankResultEvent[]
+  loan_not_submitted_proposals LoanNotSubmittedProposal[]
   loan_material_revision LoanReleaseMaterialRevision?
 
 }
@@ -3897,6 +3906,7 @@ model LoanLender {
   bank_institution BankInstitution @relation(fields: [bank_institution_id], references: [id], onDelete: Restrict)
   loans            CompanyLoan[]
   repayments       LoanRepayment[]
+  freeze_reasons LoanFreezeReason[]
 
   @@unique([legal_entity_id, id])
   @@unique([created_by, request_key])
@@ -3931,6 +3941,8 @@ model CompanyLoan {
   allocations LoanRepaymentAllocation[]
   evidences   LoanEvidence[]
 
+  supplemental_settlements LoanSupplementalSettlement[]
+
   @@unique([created_by, request_key])
   @@unique([legal_entity_id, lender_id, origin_reference])
   @@index([lender_id, confirmation_status, received_date])
@@ -4125,6 +4137,7 @@ model LoanBankSubmissionAttestation {
 // Loan bank-result reconciliation S3 (migration 20261008010000_loan_bank_terminal_facts).
 // Evidence is stored apart from payment receipts; history triggers live in the migration.
 model LoanBankTerminalEvidence {
+  evidence_kind String @default("bank_terminal") @db.VarChar(32)
   id               String    @id @default(uuid()) @db.Uuid
   payment_batch_id String    @db.Uuid
   storage_path     String
@@ -4141,6 +4154,8 @@ model LoanBankTerminalEvidence {
   payment_batch PaymentBatch           @relation(fields: [payment_batch_id], references: [id], onDelete: Restrict)
   uploader      Employee               @relation(fields: [uploaded_by], references: [id], onDelete: Restrict)
   facts         LoanBankTerminalFact[]
+  bank_result_events LoanBankResultEvent[] @relation("LoanBankEventEvidence")
+  bank_result_corrections LoanBankResultEvent[] @relation("LoanBankEventCorrection")
 
   @@index([payment_batch_id], map: "loan_bank_terminal_evidences_batch_idx")
   @@map("loan_bank_terminal_evidences")
@@ -4244,3 +4259,107 @@ model LoanReleaseMaterialRevision {
   payment_batch PaymentBatch @relation(fields: [payment_batch_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
   @@map("loan_release_material_revisions")
 }
+
+model LoanNotSubmittedProposal {
+  id String @id @default(uuid()) @db.Uuid
+  payment_batch_id String @db.Uuid
+  sequence Int
+  status String @default("proposed") @db.VarChar(16)
+  proposed_by String @db.Uuid
+  proposed_at DateTime @default(now())
+  payload_json Json
+  snapshot_json Json
+  payment_batch PaymentBatch @relation(fields: [payment_batch_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  proposer Employee @relation(fields: [proposed_by], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  reviews LoanNotSubmittedReview[]
+  @@unique([payment_batch_id, sequence])
+  @@map("loan_not_submitted_proposals")
+}
+
+model LoanNotSubmittedReview {
+  id String @id @default(uuid()) @db.Uuid
+  proposal_id String @db.Uuid
+  reviewed_by String @db.Uuid
+  decision String @db.VarChar(16)
+  reason String @db.VarChar(500)
+  reviewed_at DateTime @default(now())
+  proposal LoanNotSubmittedProposal @relation(fields: [proposal_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  reviewer Employee @relation(fields: [reviewed_by], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  @@unique([proposal_id, reviewed_by])
+  @@map("loan_not_submitted_reviews")
+}
+
+model LoanFreezeReason {
+  id String @id @default(uuid()) @db.Uuid
+  lender_id String @db.Uuid
+  payment_batch_id String @db.Uuid
+  kind String @db.VarChar(32)
+  source_key String @db.VarChar(160)
+  status String @default("active") @db.VarChar(16)
+  created_by String @db.Uuid
+  created_at DateTime @default(now())
+  closed_by String? @db.Uuid
+  closed_at DateTime?
+  closure_basis Json?
+  lender LoanLender @relation(fields: [lender_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  payment_batch PaymentBatch @relation(fields: [payment_batch_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  creator Employee @relation("LoanFreezeCreator", fields: [created_by], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  closer Employee? @relation("LoanFreezeCloser", fields: [closed_by], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  @@unique([kind, source_key])
+  @@index([lender_id, status])
+  @@map("loan_freeze_reasons")
+}
+
+model LoanBankResultEvent {
+  id String @id @default(uuid()) @db.Uuid
+  payment_batch_id String @db.Uuid
+  kind String @db.VarChar(16)
+  parent_id String? @db.Uuid
+  evidence_id String @db.Uuid
+  request_key String @db.Uuid
+  proposed_by String @db.Uuid
+  proposed_at DateTime @default(now())
+  payload_encrypted String
+  fingerprint String @db.VarChar(64)
+  key_id String @db.VarChar(64)
+  amount Decimal @db.Decimal(14,2)
+  snapshot_json Json
+  status String @default("proposed") @db.VarChar(16)
+  reviewed_by String? @db.Uuid
+  reviewed_at DateTime?
+  review_note String? @db.VarChar(1000)
+  correction_evidence_id String? @db.Uuid
+  payment_batch PaymentBatch @relation(fields: [payment_batch_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  evidence LoanBankTerminalEvidence @relation("LoanBankEventEvidence", fields: [evidence_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  correction_evidence LoanBankTerminalEvidence? @relation("LoanBankEventCorrection", fields: [correction_evidence_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  proposer Employee @relation("LoanBankEventProposer", fields: [proposed_by], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  reviewer Employee? @relation("LoanBankEventReviewer", fields: [reviewed_by], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  parent LoanBankResultEvent? @relation("LoanBankEventParent", fields: [parent_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  children LoanBankResultEvent[] @relation("LoanBankEventParent")
+  settlements LoanSupplementalSettlement[]
+  claim LoanBankEventClaim?
+  @@unique([payment_batch_id, request_key])
+  @@index([payment_batch_id, kind])
+  @@map("loan_bank_result_events")
+}
+model LoanSupplementalSettlement {
+  id String @id @default(uuid()) @db.Uuid
+  event_id String @db.Uuid
+  loan_id String @db.Uuid
+  bank_amount Decimal @db.Decimal(14,2)
+  settled_amount Decimal @db.Decimal(14,2)
+  receivable_amount Decimal @db.Decimal(14,2)
+  created_at DateTime @default(now())
+  event LoanBankResultEvent @relation(fields: [event_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  loan CompanyLoan @relation(fields: [loan_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  @@unique([event_id, loan_id])
+  @@map("loan_supplemental_settlements")
+}
+model LoanBankEventClaim {
+  fingerprint String @id @db.VarChar(64)
+  key_id String @db.VarChar(64)
+  event_id String @unique @db.Uuid
+  created_at DateTime @default(now())
+  event LoanBankResultEvent @relation(fields: [event_id], references: [id], onDelete: Restrict, onUpdate: NoAction)
+  @@map("loan_bank_event_claims")
+}