借款出借人线上确认借款并以站内通知直达（09-17-company-loan-principal-repayment）

- 新增出借人确认声明：财务发起，出借人本人查看原件后确认或退回；快照与决定不可改删，金额、日期、原件或身份变化后整组失效
- 余额确认接受纸质协议或有效线上声明二选一，代账余额核对材料仍必需；声明与公司代表授权分离
- 普通员工无常驻入口，财务发起后仅通知对应出借人并直达确认页
- 新增迁移 20261010010000_loan_lender_acknowledgements（仅新增三表）
- 测试：单测、隔离 HTTP/浏览器、完整借款回归；独立只读复核无阻断；同步发布记录与操作手册

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

server/prisma/schema.prisma

@@ -3935,6 +3935,60 @@ model LoanRelatedAuthorizationEvent {
   @@map("loan_related_authorization_events")
 }
 
+model LoanLenderAcknowledgement {
+  id               String   @id @default(uuid()) @db.Uuid
+  legal_entity_id  String   @db.Uuid
+  lender_id        String   @db.Uuid
+  employee_id      String   @db.Uuid
+  identity_version Int
+  account_version Int
+  lender_name     String   @db.VarChar(120)
+  company_name    String   @db.VarChar(200)
+  loan_ids        String[] @db.Uuid
+  content_hash    String   @db.VarChar(64)
+  request_hash    String   @db.VarChar(64)
+  reason          String   @db.VarChar(500)
+  proposed_by     String   @db.Uuid
+  proposed_at     DateTime @default(now())
+  request_key     String   @db.Uuid
+  invalidated_at  DateTime?
+  invalid_reason  String?  @db.VarChar(40)
+
+  loans    LoanLenderAcknowledgementLoan[]
+  decision LoanLenderAcknowledgementDecision?
+
+  @@unique([proposed_by, request_key])
+  @@index([employee_id, proposed_at])
+  @@index([lender_id, proposed_at])
+  @@map("loan_lender_acknowledgements")
+}
+
+model LoanLenderAcknowledgementLoan {
+  acknowledgement_id String @db.Uuid
+  loan_id             String @db.Uuid
+  snapshot_json       Json
+
+  acknowledgement LoanLenderAcknowledgement @relation(fields: [acknowledgement_id], references: [id], onDelete: Restrict)
+  loan            CompanyLoan               @relation(fields: [loan_id], references: [id], onDelete: Restrict)
+
+  @@id([acknowledgement_id, loan_id])
+  @@index([loan_id])
+  @@map("loan_lender_acknowledgement_loans")
+}
+
+model LoanLenderAcknowledgementDecision {
+  acknowledgement_id String   @id @db.Uuid
+  action             String   @db.VarChar(16)
+  actor_id           String   @db.Uuid
+  reason             String   @db.VarChar(500)
+  original_checked   Boolean
+  created_at         DateTime @default(now())
+
+  acknowledgement LoanLenderAcknowledgement @relation(fields: [acknowledgement_id], references: [id], onDelete: Restrict)
+
+  @@map("loan_lender_acknowledgement_decisions")
+}
+
 model LoanLender {
   id                     String   @id @default(uuid()) @db.Uuid
   legal_entity_id        String   @db.Uuid
@@ -3998,6 +4052,7 @@ model CompanyLoan {
   evidences   LoanEvidence[]
 
   supplemental_settlements LoanSupplementalSettlement[]
+  lender_acknowledgements LoanLenderAcknowledgementLoan[]
 
   @@unique([created_by, request_key])
   @@unique([legal_entity_id, lender_id, origin_reference])