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/verify_all_dbs.py

@@ -0,0 +1,41 @@
+# -*- coding: utf-8 -*-
+"""验证四个数据库的状态：表数量、schema 分布"""
+import psycopg2
+
+CONN = dict(host="100.64.0.4", port=5432, user="local-Python", password="Neo-local-1991125")
+DBS = ["etl_feiqiu", "test_etl_feiqiu", "zqyy_app", "test_zqyy_app"]
+
+for db in DBS:
+    try:
+        c = psycopg2.connect(**CONN, dbname=db)
+        cur = c.cursor()
+        cur.execute(
+            "SELECT schemaname, count(*) FROM pg_tables "
+            "WHERE schemaname NOT IN ('pg_catalog','information_schema') "
+            "GROUP BY schemaname ORDER BY schemaname"
+        )
+        rows = cur.fetchall()
+        total = sum(r[1] for r in rows)
+        schemas = ", ".join(f"{r[0]}({r[1]})" for r in rows)
+        print(f"[OK] {db}: {total} tables | {schemas}")
+
+        # 物化视图数量
+        cur.execute(
+            "SELECT count(*) FROM pg_matviews "
+            "WHERE schemaname NOT IN ('pg_catalog','information_schema')"
+        )
+        mv_count = cur.fetchone()[0]
+        if mv_count:
+            print(f"      matviews: {mv_count}")
+
+        c.close()
+    except Exception as e:
+        print(f"[FAIL] {db}: {e}")
+
+print("\n--- 配置文件指向 ---")
+print("ETL .env PG_DSN -> test_etl_feiqiu (已确认)")
+print("根 .env -> PG_DSN=test_etl_feiqiu, APP_DB_DSN=test_zqyy_app")
+print("后端 .env.local -> APP_DB_NAME=test_zqyy_app, ETL_DB_NAME=test_etl_feiqiu")
+print("后端 config.py 默认值 -> test_zqyy_app / test_etl_feiqiu")
+print("FDW 生产 -> setup_fdw.sql (etl_feiqiu)")
+print("FDW 测试 -> setup_fdw_test.sql (test_etl_feiqiu)")