feat: add intercompany loan document type

backend/app/services/legal_document_element_schema_service.py

@@ -362,6 +362,74 @@ DEFAULT_ELEMENT_SCHEMAS: dict[str, dict[str, Any]] = {
             },
         ]
     },
+    "intercompany_loan_agreement": {
+        "sections": [
+            _party_section(),
+            {
+                "key": "relationship_and_approval",
+                "title": "关联关系与内部审批",
+                "fields": [
+                    {"key": "relationship.description", "label": "关联关系说明", "type": "textarea", "required": True},
+                    {"key": "internal_approval.confirmation", "label": "内部审批确认", "type": "textarea", "required": True},
+                ],
+            },
+            {
+                "key": "loan_amount_and_purpose",
+                "title": "借款金额与资金用途",
+                "fields": [
+                    {"key": "loan.amount", "label": "借款金额", "type": "money", "required": True},
+                    {"key": "loan.purpose", "label": "借款用途", "type": "textarea", "required": True},
+                    {"key": "fund.disbursement_account", "label": "资金划付账户", "type": "textarea", "required": True},
+                    {"key": "fund.receipt_confirmation", "label": "资金到账确认", "type": "textarea", "required": True},
+                    {"key": "fund.usage_restriction", "label": "资金用途限制说明", "type": "textarea", "required": False},
+                ],
+            },
+            {
+                "key": "interest_and_term",
+                "title": "借款期限与计息",
+                "fields": [
+                    {"key": "loan.term", "label": "借款期限", "type": "text", "required": True},
+                    {"key": "interest.start_date", "label": "起息日", "type": "date", "required": True},
+                    {"key": "interest.rate_method", "label": "年化利率/计息方式", "type": "textarea", "required": True},
+                    {"key": "interest.payment_method", "label": "利息支付方式", "type": "textarea", "required": True},
+                ],
+            },
+            {
+                "key": "repayment_arrangements",
+                "title": "还款安排",
+                "fields": [
+                    {"key": "repayment.method", "label": "还款方式", "type": "textarea", "required": True},
+                    {"key": "repayment.plan", "label": "还款计划", "type": "textarea", "required": True},
+                    {"key": "repayment.account", "label": "还款账户", "type": "textarea", "required": True},
+                    {"key": "prepayment.arrangement", "label": "提前还款安排", "type": "textarea", "required": False},
+                ],
+            },
+            {
+                "key": "guarantee_and_compliance",
+                "title": "担保与合规",
+                "fields": [
+                    {"key": "guarantee.method", "label": "担保方式", "type": "textarea", "required": True},
+                    {"key": "guarantee.documents", "label": "担保文件", "type": "textarea", "required": False},
+                    {"key": "regulatory_note", "label": "资金合规与监管说明", "type": "textarea", "required": False},
+                ],
+            },
+            {
+                "key": "dispute_and_signature",
+                "title": "争议解决与签署",
+                "fields": [
+                    {
+                        "key": "dispute_resolution.method",
+                        "label": "争议解决方式",
+                        "type": "select",
+                        "required": True,
+                        "options": ["诉讼", "仲裁"],
+                    },
+                    {"key": "sign_date", "label": "签署日期", "type": "date", "required": True},
+                    {"key": "e_signature_platform", "label": "电子签署平台", "type": "text", "required": False},
+                ],
+            },
+        ]
+    },
     "rescission_notice": {
         "sections": [
             _party_section(),

backend/app/services/legal_document_type_service.py

@@ -114,6 +114,16 @@ DEFAULT_LEGAL_DOCUMENT_TYPES: list[dict[str, Any]] = [
         "risk_level": "high",
         "sort_order": 85,
     },
+    {
+        "code": "intercompany_loan_agreement",
+        "name": "企业间借款合同",
+        "category": "investment-finance",
+        "industry": "general-enterprise",
+        "scenario": "intercompany-loan",
+        "description": "适用于企业间借款、关联交易、利率、担保、还款和资金合规场景。",
+        "risk_level": "critical",
+        "sort_order": 86,
+    },
     {
         "code": "valuation_adjustment_agreement",
         "name": "对赌协议",
@@ -122,7 +132,7 @@ DEFAULT_LEGAL_DOCUMENT_TYPES: list[dict[str, Any]] = [
         "scenario": "valuation-adjustment",
         "description": "适用于投融资中的业绩承诺、估值调整、补偿和回购安排场景。",
         "risk_level": "critical",
-        "sort_order": 86,
+        "sort_order": 87,
     },
     {
         "code": "shareholder_resolution",

backend/app/services/template_service.py

@@ -255,6 +255,66 @@ DEFAULT_TEMPLATES: list[dict[str, Any]] = [
             {"name": "sign_date", "label": "签署日期"},
         ],
     },
+    {
+        "name": "企业间借款合同模板",
+        "contract_type": "intercompany-loan",
+        "document_type_code": "intercompany_loan_agreement",
+        "template_category": "investment-finance",
+        "industry_category": "general-enterprise",
+        "description": "适用于企业间借款、关联交易、利率、还款、担保和资金合规场景。",
+        "content": (
+            "甲方（出借方）：{{lender}}\n"
+            "乙方（借款方）：{{borrower}}\n"
+            "关联关系说明：{{relationship_note}}\n"
+            "内部审批确认：{{internal_approval}}\n\n"
+            "一、借款金额与用途\n"
+            "借款金额：{{loan_amount}}\n"
+            "借款用途：{{loan_purpose}}\n"
+            "资金划付账户：{{disbursement_account}}\n"
+            "资金到账确认：{{receipt_confirmation}}\n\n"
+            "二、借款期限与利息\n"
+            "借款期限：{{loan_term}}\n"
+            "起息日：{{interest_start_date}}\n"
+            "年化利率/计息方式：{{interest_rate_method}}\n"
+            "利息支付方式：{{interest_payment_method}}\n\n"
+            "三、还款与担保\n"
+            "还款方式：{{repayment_method}}\n"
+            "还款计划：{{repayment_plan}}\n"
+            "还款账户：{{repayment_account}}\n"
+            "担保方式：{{guarantee_method}}\n"
+            "担保文件：{{guarantee_documents}}\n\n"
+            "四、合规、违约与争议解决\n"
+            "资金用途限制说明：{{fund_usage_restriction}}\n"
+            "违约责任：{{breach_liability}}\n"
+            "争议解决方式：{{dispute_resolution}}\n"
+            "电子签署平台：{{e_signature_platform}}\n"
+            "签署日期：{{sign_date}}"
+        ),
+        "variables": [
+            {"name": "lender", "label": "甲方名称"},
+            {"name": "borrower", "label": "乙方名称"},
+            {"name": "relationship_note", "label": "关联关系说明"},
+            {"name": "internal_approval", "label": "内部审批确认"},
+            {"name": "loan_amount", "label": "借款金额"},
+            {"name": "loan_purpose", "label": "借款用途"},
+            {"name": "disbursement_account", "label": "资金划付账户"},
+            {"name": "receipt_confirmation", "label": "资金到账确认"},
+            {"name": "loan_term", "label": "借款期限"},
+            {"name": "interest_start_date", "label": "起息日"},
+            {"name": "interest_rate_method", "label": "年化利率/计息方式"},
+            {"name": "interest_payment_method", "label": "利息支付方式"},
+            {"name": "repayment_method", "label": "还款方式"},
+            {"name": "repayment_plan", "label": "还款计划"},
+            {"name": "repayment_account", "label": "还款账户"},
+            {"name": "guarantee_method", "label": "担保方式"},
+            {"name": "guarantee_documents", "label": "担保文件", "required": False},
+            {"name": "fund_usage_restriction", "label": "资金用途限制说明", "required": False},
+            {"name": "breach_liability", "label": "违约责任", "required": False},
+            {"name": "dispute_resolution", "label": "争议解决方式"},
+            {"name": "e_signature_platform", "label": "电子签署平台", "required": False},
+            {"name": "sign_date", "label": "签署日期"},
+        ],
+    },
 ]
 
 

backend/tests/test_legal_document_element_schema_service.py

@@ -67,9 +67,16 @@ class StubDocumentTypeRepository:
             "technical_service",
             "lease_house",
             "equity_transfer",
+            "intercompany_loan_agreement",
             "cooperation_framework",
             "demand_letter",
             "rescission_notice",
+            "investment_agreement",
+            "valuation_adjustment_agreement",
+            "shareholder_resolution",
+            "power_of_attorney",
+            "legal_opinion",
+            "property_service_agreement",
         }
 
     def get_by_code(self, code):
@@ -162,6 +169,46 @@ class LegalDocumentElementSchemaServiceTestCase(unittest.TestCase):
         self.assertFalse(percent_invalid["valid"])
         self.assertTrue(any(item["field_key"] == "equity.percent" for item in percent_invalid["errors"]))
 
+    def test_intercompany_loan_schema_can_be_seeded_and_validated(self):
+        seeded = self.service.seed_default_element_schemas(self.admin_user, "intercompany_loan_agreement")
+        current = self.service.get_current_element_schema(self.member_user, "intercompany_loan_agreement")
+
+        self.assertEqual(seeded["created_count"], 1)
+        self.assertEqual(current["document_type_code"], "intercompany_loan_agreement")
+        self.assertEqual(
+            [section["key"] for section in current["schema_json"]["sections"]],
+            [
+                "parties",
+                "relationship_and_approval",
+                "loan_amount_and_purpose",
+                "interest_and_term",
+                "repayment_arrangements",
+                "guarantee_and_compliance",
+                "dispute_and_signature",
+            ],
+        )
+
+        result = self.service.validate_element_values(
+            self.member_user,
+            "intercompany_loan_agreement",
+            {
+                "party_a": {"name": "甲方公司"},
+                "party_b": {"name": "乙方公司"},
+                "relationship": {"description": "同一控制下关联企业"},
+                "internal_approval": {"confirmation": "已完成董事会审批"},
+                "loan": {"amount": "5000000", "purpose": "流动资金周转", "term": "12个月"},
+                "fund": {"disbursement_account": "甲方对公账户", "receipt_confirmation": "已到账"},
+                "interest": {"start_date": "2026-05-24", "rate_method": "年化3.5%", "payment_method": "按季度支付"},
+                "repayment": {"method": "到期一次性还本付息", "plan": "12个月后结清", "account": "乙方对公账户"},
+                "guarantee": {"method": "无担保"},
+                "dispute_resolution": {"method": "诉讼"},
+                "sign_date": "2026-05-24",
+            },
+        )
+
+        self.assertTrue(result["valid"])
+        self.assertEqual(result["errors"], [])
+
     def test_valid_element_values_pass(self):
         self.service.seed_default_element_schemas(self.admin_user, "procurement_goods")
 

backend/tests/test_legal_document_type_service.py

@@ -73,7 +73,7 @@ class LegalDocumentTypeServiceTestCase(unittest.TestCase):
             industry="technology",
         )
 
-        self.assertEqual(seeded["created_count"], 17)
+        self.assertEqual(seeded["created_count"], 18)
         self.assertEqual(seeded["existing_count"], 0)
         self.assertEqual(listed["total"], 2)
         self.assertEqual([item["code"] for item in listed["items"]], ["technical_service", "software_development"])
@@ -83,7 +83,7 @@ class LegalDocumentTypeServiceTestCase(unittest.TestCase):
         investment_list = self.service.list_document_types(self.member_user, category="investment-finance")
         self.assertEqual(
             [item["code"] for item in investment_list["items"]],
-            ["equity_transfer", "investment_agreement", "valuation_adjustment_agreement"],
+            ["equity_transfer", "investment_agreement", "intercompany_loan_agreement", "valuation_adjustment_agreement"],
         )
         property_list = self.service.list_document_types(self.member_user, category="real-estate")
         self.assertEqual([item["code"] for item in property_list["items"]], ["lease_house", "property_service"])

frontend/src/app/documents/new/[type]/page.tsx

@@ -76,6 +76,7 @@ const documentNameMap: Record<string, string> = {
   nda_commercial: "保密协议",
   lease_house: "房屋租赁合同",
   equity_transfer: "股权转让协议",
+  intercompany_loan_agreement: "企业间借款合同",
   cooperation_framework: "合作框架协议",
   demand_letter: "催告函",
   rescission_notice: "解除合同通知书",

frontend/src/app/documents/new/page.tsx

@@ -57,6 +57,7 @@ const scenarioLabelMap: Record<string, string> = {
   confidentiality: "商业保密",
   lease: "租赁履约",
   "equity-transfer": "股权交易",
+  "intercompany-loan": "企业间借款",
   cooperation: "合作框架",
   "demand-letter": "履约催告",
   "rescission-notice": "解除通知",