feat: 初始化项目结构并添加核心功能模块

- 新增文档模板和导航结构
- 实现服务器基础API路由和控制器
- 添加扩展插件配置和前端框架
- 引入多租户和权限管理模块
- 集成日志和数据库配置
- 添加核心业务模型和类型定义

server/src/services/SovereignCreditPoolService.ts

@@ -0,0 +1,103 @@
+import db from '../config/database';
+import { AuditService } from './AuditService';
+import { SovereigntyIdentityService } from './SovereigntyIdentityService';
+import { FeatureGovernanceService } from '../core/governance/FeatureGovernanceService';
+
+/**
+ * [BIZ_FIN_20] 基于主权身份的全球授信池 (Sovereign Credit Pool)
+ * 负责根据租户的主权身份 (DID) 与聚合声誉，自动分配并动态调整全球范围内的授信额度
+ */
+export class SovereignCreditPoolService {
+  /**
+   * 初始化租户授信池
+   */
+  static async initializeCreditPool(tenantId: string, traceId: string): Promise<void> {
+    // Feature Flag Check
+    if (!(await FeatureGovernanceService.isEnabled('BIZ_FIN_CREDIT_POOL', tenantId))) {
+      return;
+    }
+
+    const identity = await SovereigntyIdentityService.getIdentity(tenantId);
+    if (!identity) throw new Error('Sovereignty Identity not found');
+
+    // 1. 基于声誉分计算初始乘数 (模拟)
+    const reputation = JSON.parse(identity.reputation_score);
+    const multiplier = reputation.fulfillment > 90 ? 1.5 : 1.0;
+    const initialLimit = 50000 * multiplier;
+
+    await db.transaction(async (trx) => {
+      await trx('cf_sov_credit_pool').insert({
+        tenant_id: tenantId,
+        max_credit_limit: initialLimit,
+        available_credit: initialLimit,
+        reputation_multiplier: multiplier,
+        status: 'ACTIVE'
+      });
+
+      await AuditService.log({
+        tenant_id: tenantId,
+        action: 'SOV_CREDIT_POOL_INIT',
+        target_type: 'FINANCE_CREDIT',
+        target_id: tenantId,
+        trace_id: traceId,
+        new_data: JSON.stringify({ initialLimit, multiplier }),
+        metadata: JSON.stringify({ did: identity.did })
+      });
+    });
+  }
+
+  /**
+   * 动态调整授信额度 (BIZ_FIN_20)
+   */
+  static async refreshCreditLimit(tenantId: string, traceId: string): Promise<void> {
+    const pool = await db('cf_sov_credit_pool').where({ tenant_id: tenantId }).first();
+    if (!pool) return;
+
+    // 1. 获取最新跨平台声誉
+    await SovereigntyIdentityService.syncCrossPlatformReputation(tenantId, traceId);
+    const identity = await SovereigntyIdentityService.getIdentity(tenantId);
+    const reputation = JSON.parse(identity.reputation_score);
+
+    // 2. 重新计算乘数
+    const newMultiplier = reputation.aggregated_market_score > 4.8 ? 2.0 : 1.2;
+    const newLimit = 50000 * newMultiplier;
+
+    await db('cf_sov_credit_pool')
+      .where({ tenant_id: tenantId })
+      .update({
+        max_credit_limit: newLimit,
+        reputation_multiplier: newMultiplier,
+        updated_at: db.fn.now()
+      });
+
+    await AuditService.log({
+      tenant_id: tenantId,
+      action: 'SOV_CREDIT_LIMIT_REFRESHED',
+      target_type: 'FINANCE_CREDIT',
+      target_id: tenantId,
+      trace_id: traceId,
+      new_data: JSON.stringify({ newLimit, newMultiplier }),
+      metadata: JSON.stringify({ score: reputation.aggregated_market_score })
+    });
+  }
+
+  /**
+   * 使用授信 (预占)
+   */
+  static async useCredit(tenantId: string, amount: number, traceId: string): Promise<boolean> {
+    return await db.transaction(async (trx) => {
+      const pool = await trx('cf_sov_credit_pool')
+        .where({ tenant_id: tenantId })
+        .forUpdate()
+        .first();
+
+      if (!pool || pool.available_credit < amount) return false;
+
+      await trx('cf_sov_credit_pool')
+        .where({ tenant_id: tenantId })
+        .decrement('available_credit', amount);
+
+      return true;
+    });
+  }
+}