feat: 补齐报销付款待办交接（09-11-reimbursement-payment-handoffs）

client/src/pages/MobilePortalPage.tsx

@@ -131,6 +131,9 @@ export function MobilePortalPage() {
     enabled: canUseFinance,
     queryKey: ["mobile", "portal", "home"],
     queryFn: () => fetchPortalHome(),
+    staleTime: 0,
+    refetchOnMount: true,
+    refetchOnWindowFocus: true,
   });
 
   useEffect(() => {
@@ -167,13 +170,14 @@ export function MobilePortalPage() {
     .filter((item) => !(canAccessApprovals && item.type.startsWith("workflow.task_")))
     .slice(0, 3);
   const financeSummary = portalHomeQuery.data?.financeSummary ?? null;
+  const businessHandoffs = portalHomeQuery.data?.businessHandoffs;
   const paymentBatchEnabled = Boolean(financeSummary?.paymentBatchEnabled);
   const financePendingCount = financeSummary?.pendingBatchCount ?? 0;
-  const financeExceptionCount = (financeSummary?.failedItemCount ?? 0) + (financeSummary?.riskCount ?? 0);
+  const financeExceptionCount = (businessHandoffs ? 0 : financeSummary?.failedItemCount ?? 0) + (financeSummary?.riskCount ?? 0);
   const shouldShowFinanceCard = canUseFinance &&
     !portalHomeQuery.isLoading &&
     !portalHomeQuery.isError &&
-    (paymentBatchEnabled || financePendingCount > 0 || financeExceptionCount > 0);
+    (businessHandoffs ? financeExceptionCount > 0 : paymentBatchEnabled || financePendingCount > 0 || financeExceptionCount > 0);
   const financeCardBadge = paymentBatchEnabled ? "复核与付款" : financePendingCount > 0 ? "待付款" : "异常与复核";
 
   async function openHomeNotification(item: NotificationItem) {
@@ -298,6 +302,21 @@ export function MobilePortalPage() {
         </section>
       ) : null}
 
+      {portalHomeQuery.isError ? <section className="mobile-card space-y-3" role="alert"><p>业务待办加载失败，请重试。</p><Button onClick={() => void portalHomeQuery.refetch()} type="button" variant="secondary">重试加载待办</Button></section> : null}
+
+      {!portalHomeQuery.isError && businessHandoffs && businessHandoffs.total > 0 ? (
+        <section className="mobile-card mobile-page-stack" data-testid="mobile-business-handoffs">
+          <div className="mobile-section-header"><h2 className="mobile-section-title">业务待办</h2><span>{businessHandoffs.total} 项</span></div>
+          {businessHandoffs.items.map((item) => (
+            <Link className="mobile-list-card block" key={item.key} to={item.mobileHref}>
+              <div className="mobile-list-card__title">{item.title}{item.reference ? ` · ${item.reference}` : ""}</div>
+              <p className="mobile-list-card__subtitle mt-1">{item.nextStep}</p>
+              <p className="mt-1 text-xs text-zinc-500">{item.ownerLabel} · 查看处理</p>
+            </Link>
+          ))}
+        </section>
+      ) : null}
+
       {shouldShowFinanceCard ? (
         <section id="finance" tabIndex={-1} className="mobile-card mobile-page-stack" data-testid="mobile-finance-summary">
           <div className="mobile-section-header">
@@ -305,10 +324,10 @@ export function MobilePortalPage() {
             <span className="badge-neutral">{financeCardBadge}</span>
           </div>
           <div className="mobile-metric-grid text-sm">
-            <div className="rounded-lg bg-zinc-50 px-3 py-2">
+            {!businessHandoffs ? <div className="rounded-lg bg-zinc-50 px-3 py-2">
               <div className="text-xs text-zinc-500">待付款</div>
               <div className="mt-1 text-xl font-semibold text-zinc-900">{financePendingCount}</div>
-            </div>
+            </div> : null}
             <div className="rounded-lg bg-zinc-50 px-3 py-2">
               <div className="text-xs text-zinc-500">异常</div>
               <div className="mt-1 text-xl font-semibold text-zinc-900">{financeExceptionCount}</div>