feat: 累积功能变更 — 聊天集成、租户管理、小程序更新、ETL 增强、迁移脚本

包含多个会话的累积代码变更：
- backend: AI 聊天服务、触发器调度、认证增强、WebSocket、调度器最小间隔
- admin-web: ETL 状态页、任务管理、调度配置、登录优化
- miniprogram: 看板页面、聊天集成、UI 组件、导航更新
- etl: DWS 新任务（finance_area_daily/board_cache）、连接器增强
- tenant-admin: 项目初始化
- db: 19 个迁移脚本（etl_feiqiu 11 + zqyy_app 8）
- packages/shared: 枚举和工具函数更新
- tools: 数据库工具、报表生成、健康检查
- docs: PRD/架构/部署/合约文档更新

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

tools/db/setup_fdw_both.py

@@ -0,0 +1,83 @@
+# -*- coding: utf-8 -*-
+"""
+在 zqyy_app 和 test_zqyy_app 中执行 FDW 配置。
+- zqyy_app -> setup_fdw.sql (指向 etl_feiqiu)
+- test_zqyy_app -> setup_fdw_test.sql (指向 test_etl_feiqiu)
+"""
+import os
+import psycopg2
+
+CONN = dict(host="100.64.0.4", port=5432, user="local-Python", password="Neo-local-1991125")
+BASE = r"C:\NeoZQYY"
+
+# 实际密码替换占位符 '***'
+APP_READER_PWD = "AppR3ad_2026!"
+
+TARGETS = [
+    ("zqyy_app", os.path.join(BASE, "db", "fdw", "setup_fdw.sql")),
+    ("test_zqyy_app", os.path.join(BASE, "db", "fdw", "setup_fdw_test.sql")),
+]
+
+for dbname, sql_path in TARGETS:
+    print(f"\n{'='*60}")
+    print(f"执行 FDW 配置: {dbname} <- {os.path.basename(sql_path)}")
+    print(f"{'='*60}")
+
+    sql = open(sql_path, encoding="utf-8").read()
+    # 替换密码占位符
+    sql = sql.replace("password '***'", f"password '{APP_READER_PWD}'")
+
+    conn = psycopg2.connect(**CONN, dbname=dbname)
+    conn.autocommit = True
+    cur = conn.cursor()
+
+    # 逐条执行（按分号拆分，跳过注释和空行）
+    statements = []
+    current = []
+    for line in sql.split("\n"):
+        stripped = line.strip()
+        if stripped.startswith("--") or not stripped:
+            continue
+        current.append(line)
+        if stripped.endswith(";"):
+            statements.append("\n".join(current))
+            current = []
+
+    success = 0
+    skip = 0
+    fail = 0
+    for stmt in statements:
+        try:
+            cur.execute(stmt)
+            first_line = stmt.strip().split("\n")[0][:80]
+            print(f"  [OK] {first_line}")
+            success += 1
+        except psycopg2.errors.DuplicateObject as e:
+            conn.rollback()
+            print(f"  [SKIP] 已存在: {str(e).strip().split(chr(10))[0]}")
+            skip += 1
+        except Exception as e:
+            conn.rollback()
+            print(f"  [FAIL] {str(e).strip().split(chr(10))[0]}")
+            print(f"         SQL: {stmt[:100]}")
+            fail += 1
+
+    # 验证
+    cur.execute("SELECT 1 FROM pg_extension WHERE extname = 'postgres_fdw'")
+    fdw_ext = cur.fetchone() is not None
+
+    cur.execute("SELECT srvname FROM pg_foreign_server")
+    servers = [r[0] for r in cur.fetchall()]
+
+    cur.execute(
+        "SELECT count(*) FROM information_schema.tables "
+        "WHERE table_schema = 'fdw_etl'"
+    )
+    fdw_tables = cur.fetchone()[0]
+
+    print(f"\n  结果: {success} OK, {skip} SKIP, {fail} FAIL")
+    print(f"  验证: fdw扩展={fdw_ext}, servers={servers}, fdw_etl表数={fdw_tables}")
+
+    conn.close()
+
+print("\n完成!")