diff --git a/frontend/analysis.html b/frontend/analysis.html
index 3f0d975..ce151ed 100644
--- a/frontend/analysis.html
+++ b/frontend/analysis.html
@@ -335,8 +335,8 @@ async function readNotif(id){await apiFetch('/notifications/'+id+'/read',{method
function toggleExport(e){e.stopPropagation();$('exportMenu').classList.toggle('show');}
function toggleImport(e){e.stopPropagation();$('importMenu').classList.toggle('show');}
function download(filename,content,mime){const blob=new Blob(['\uFEFF'+content],{type:mime});const a=document.createElement('a');a.href=URL.createObjectURL(blob);a.download=filename;a.click();}
-function exportCSV(e){e.preventDefault();if(!loans.length)return;let csv='借款人,借款日期,借款金额,年利率(%),总利息,分期数,还款方式,已还期数,状态\n';loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const paid=l.paid.length+'/'+l.periods;const status=l.paid.length>=l.periods?'已还清':'还款中';csv+=`${escapeHtml(l.name)},${l.date},${l.amount},${l.rate},${ti.toFixed(2)},${l.periods},${l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本'},${paid},${status}\n`;});download('债务统计_'+new Date().toISOString().slice(0,10)+'.csv',csv,'text/csv;charset=utf-8');}
-function exportJSON(e){e.preventDefault();if(!loans.length)return;const data=loans.map(l=>({借款人:l.name,借款日期:l.date,借款金额:l.amount,年利率:l.rate,分期数:l.periods,还款方式:l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本',已还期数:l.paid.length,状态:l.paid.length>=l.periods?'已还清':'还款中'}));download('债务统计_'+new Date().toISOString().slice(0,10)+'.json',JSON.stringify(data,null,2),'application/json;charset=utf-8');}
+function exportCSV(e){e.preventDefault();if(!loans.length)return;let csv='债权人,借款日期,借款金额,年化率(%),总利息,分期数,还款方式,用途,已还期数,状态\n';loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const paid=l.paid.length+'/'+l.periods;const status=l.paid.length>=l.periods?'已还清':'还款中';csv+=`${escapeHtml(l.name)},${l.date},${l.amount},${l.rate},${ti.toFixed(2)},${l.periods},${l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本'},${paid},${status}\n`;});download('债务统计_'+new Date().toISOString().slice(0,10)+'.csv',csv,'text/csv;charset=utf-8');}
+function exportJSON(e){e.preventDefault();if(!loans.length)return;const data=loans.map(l=>({债权人:l.name,借款日期:l.date,借款金额:l.amount,年化率:l.rate,分期数:l.periods,还款方式:l.method==='e'?'等额本息':l.method==='p'?'等额本金':'先息后本',已还期数:l.paid.length,状态:l.paid.length>=l.periods?'已还清':'还款中'}));download('债务统计_'+new Date().toISOString().slice(0,10)+'.json',JSON.stringify(data,null,2),'application/json;charset=utf-8');}
function exportHTML(e){e.preventDefault();if(!loans.length)return;let h=`
债务统计债务统计报表
| 借款人 | 金额 | 利率 | 期数 |
`;loans.forEach(l=>{h+=`| ${escapeHtml(l.name)} | ¥${l.amount.toLocaleString()} | ${l.rate}% | ${l.paid.length}/${l.periods} |
`;});h+=`
diff --git a/frontend/index.html b/frontend/index.html
index 548c3c0..18efe09 100644
--- a/frontend/index.html
+++ b/frontend/index.html
@@ -692,8 +692,8 @@ function toggleMonth(ym){if(openMonths.has(ym))openMonths.delete(ym);else openMo
function toggleExport(e){e.stopPropagation();$('exportMenu').classList.toggle('show');}
document.addEventListener('click',function(){$('exportMenu').classList.remove('show');$('importMenu').classList.remove('show');$('userMenu').classList.remove('show');});
function download(filename,content,mime){const blob=new Blob(['\uFEFF'+content],{type:mime});const a=document.createElement('a');a.href=URL.createObjectURL(blob);a.download=filename;a.click();}
-function exportCSV(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');let csv='借款人,借款日期,借款金额,年利率(%),总利息,分期数,还款方式,已还期数,状态\n';loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const paid=l.paid.length+'/'+l.periods;const status=l.paid.length>=l.periods?'已还清':'还款中';csv+=`${escapeHtml(l.name)},${l.date},${l.amount},${l.rate},${ti.toFixed(2)},${l.periods},${methodLabel(l.method)},${paid},${status}\n`;});download('债务统计_'+today()+'.csv',csv,'text/csv;charset=utf-8');}
-function exportJSON(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');const data=loans.map(l=>({借款人:l.name,借款日期:l.date,借款金额:l.amount,年利率:l.rate,分期数:l.periods,还款方式:methodLabel(l.method),已还期数:l.paid.length,状态:l.paid.length>=l.periods?'已还清':'还款中',还款计划:l.schedule.map(r=>({期数:r.p,日期:r.date,还款额:r.pay,本金:r.pr,利息:r.it}))}));download('债务统计_'+today()+'.json',JSON.stringify(data,null,2),'application/json;charset=utf-8');}
+function exportCSV(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');let csv='债权人,借款日期,借款金额,年化率(%),总利息,分期数,还款方式,用途,已还期数,状态\n';loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const paid=l.paid.length+'/'+l.periods;const status=l.paid.length>=l.periods?'已还清':'还款中';csv+=`${escapeHtml(l.name)},${l.date},${l.amount},${l.rate},${ti.toFixed(2)},${l.periods},${methodLabel(l.method)},${escapeHtml(l.purpose||'')},${paid},${status}\n`;});download('债务统计_'+today()+'.csv',csv,'text/csv;charset=utf-8');}
+function exportJSON(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');const data=loans.map(l=>({债权人:l.name,借款日期:l.date,借款金额:l.amount,年化率:l.rate,分期数:l.periods,还款方式:methodLabel(l.method),用途:l.purpose||'',已还期数:l.paid.length,状态:l.paid.length>=l.periods?'已还清':'还款中',还款计划:l.schedule.map(r=>({期数:r.p,日期:r.date,还款额:r.pay,本金:r.pr,利息:r.it}))}));download('债务统计_'+today()+'.json',JSON.stringify(data,null,2),'application/json;charset=utf-8');}
function exportHTML(e){e.preventDefault();if(!loans.length)return showToast('暂无数据可导出','info');let h=`债务统计债务统计报表 - ${today()}
`;loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const st=l.paid.length>=l.periods;h+=`${escapeHtml(l.name)} - ${l.date} - ¥${fmt(l.amount)}${st?' 已还清':''}
年利率 ${l.rate}% · ${methodLabel(l.method)} · ${l.periods}期 · 总利息 ¥${ti.toFixed(2)}
| 期数 | 日期 | 还款额 | 本金 | 利息 | 剩余本金 | 状态 |
`;l.schedule.forEach(r=>{h+=`| ${r.p} | ${r.date} | ¥${fmt(r.pay)} | ¥${fmt(r.pr)} | ¥${fmt(r.it)} | ¥${fmt(r.rp)} | ${l.paid.includes(r.p)?'✓ 已还':'待还'} |
`;});h+=`
`;});h+=`
+债务统计报表 - ${today()}
`;loans.forEach(l=>{const ti=l.schedule.reduce((s,r)=>s+r.it,0);const st=l.paid.length>=l.periods;h+=`${escapeHtml(l.name)} - ${l.date} - ¥${fmt(l.amount)}${st?' 已还清':''}
年化率 ${l.rate}% · ${methodLabel(l.method)} · ${l.periods}期 · 总利息 ¥${ti.toFixed(2)}
| 期数 | 日期 | 还款额 | 本金 | 利息 | 剩余本金 | 用途 | 状态 |
`;l.schedule.forEach(r=>{h+=`| ${r.p} | ${r.date} | ¥${fmt(r.pay)} | ¥${fmt(r.pr)} | ¥${fmt(r.it)} | ¥${fmt(r.rp)} | ${l.paid.includes(r.p)?'✓ 已还':'待还'} |
`;});h+=`
`;});h+=`
个人中心
@@ -733,8 +733,8 @@ function toggleImport(e){e.stopPropagation();$('importMenu').classList.toggle('s
document.addEventListener('click',function(){$('importMenu').classList.remove('show');});
function showImportModal(e){e.preventDefault();$('importMenu').classList.remove('show');$('importFile').value='';$('importError').style.display='none';$('importSuccess').style.display='none';$('importModal').classList.add('show');}
function closeImportModal(){$('importModal').classList.remove('show');}
-function downloadTemplate(e){e.preventDefault();$('importMenu').classList.remove('show');let csv='借款人,借款日期,借款金额,年利率(%),总利息,分期数,还款方式,已还期数,状态\n';csv+='张三,2026-01-01,100000,5.7,5198.99,24,等额本息,0/24,还款中\n';csv+='李四,2026-03-15,50000,8,1200.00,12,先息后本,0/12,还款中\n';csv+='王五,2026-06-01,30000,0,0.00,6,等额本息,0/6,还款中\n';download('导入模板.csv',csv,'text/csv;charset=utf-8');}
-async function doImport(){const file=$('importFile').files[0];if(!file){$('importError').textContent='请选择文件';$('importError').style.display='';return;}$('importError').style.display='none';$('importSuccess').style.display='none';const text=await file.text();const lines=text.trim().split('\n');if(lines.length<2){$('importError').textContent='文件为空或格式错误';$('importError').style.display='';return;}const header=lines[0].split(',').map(s=>s.trim());const nameIdx=header.indexOf('借款人'),dateIdx=header.indexOf('借款日期'),amtIdx=header.indexOf('借款金额'),rateIdx=header.indexOf('年利率(%)'),periodsIdx=header.indexOf('分期数'),methodIdx=header.indexOf('还款方式'),paidIdx=header.indexOf('已还期数');if(nameIdx===-1||dateIdx===-1||amtIdx===-1||rateIdx===-1||periodsIdx===-1||methodIdx===-1){$('importError').textContent='缺少必需列:借款人,借款日期,借款金额,年利率(%),分期数,还款方式';$('importError').style.display='';return;}const methodMap={'等额本息':'e','等额本金':'p','先息后本':'i','e':'e','p':'p','i':'i'};let imported=0,failed=0;for(let i=1;is.trim());if(cols.length<6)continue;const name=cols[nameIdx],date=cols[dateIdx],amount=parseFloat(cols[amtIdx]),rate=parseFloat(cols[rateIdx]),periods=parseInt(cols[periodsIdx]),method=methodMap[cols[methodIdx]];if(!name||!date||isNaN(amount)||isNaN(rate)||isNaN(periods)||!method){failed++;continue;}const schedule=calcSchedule(amount,rate,periods,method,date);let paid=[];if(paidIdx>=0&&cols[paidIdx]){const paidStr=cols[paidIdx].trim();const m=paidStr.match(/^(\d+)\//);if(m){const paidCount=parseInt(m[1]);for(let p=1;p<=Math.min(paidCount,periods);p++)paid.push(p);}}const loan={name,date,amount,rate,periods,method,purpose:'',schedule,paid};const saved=await saveLoanToServer(loan);if(saved)loans.push(saved);else failed++;imported++;}if(imported>0){$('importSuccess').style.display='';$('importSuccess').textContent=`成功导入 ${imported} 条${failed?`,失败 ${failed} 条`:''}`;renderAll();}else{$('importError').textContent='导入失败,请检查文件格式';$('importError').style.display='';}}
+function downloadTemplate(e){e.preventDefault();$('importMenu').classList.remove('show');let csv='债权人,借款日期,借款金额,年化率(%),总利息,分期数,还款方式,用途,已还期数,状态\n';csv+='张三,2026-01-01,100000,5.7,5198.99,24,等额本息,装修,0/24,还款中\n';csv+='李四,2026-03-15,50000,8,1200.00,12,先息后本,教育,0/12,还款中\n';csv+='王五,2026-06-01,30000,0,0.00,6,等额本息,,0/6,还款中\n';download('导入模板.csv',csv,'text/csv;charset=utf-8');}
+async function doImport(){const file=$('importFile').files[0];if(!file){$('importError').textContent='请选择文件';$('importError').style.display='';return;}$('importError').style.display='none';$('importSuccess').style.display='none';const text=await file.text();const lines=text.trim().split('\n');if(lines.length<2){$('importError').textContent='文件为空或格式错误';$('importError').style.display='';return;}const header=lines[0].split(',').map(s=>s.trim());const nameIdx=header.indexOf('债权人'),dateIdx=header.indexOf('借款日期'),amtIdx=header.indexOf('借款金额'),rateIdx=header.indexOf('年利率(%)'),periodsIdx=header.indexOf('分期数'),methodIdx=header.indexOf('还款方式'),paidIdx=header.indexOf('已还期数');if(nameIdx===-1||dateIdx===-1||amtIdx===-1||rateIdx===-1||periodsIdx===-1||methodIdx===-1){$('importError').textContent='缺少必需列:债权人,借款日期,借款金额,年化率(%),分期数,还款方式';$('importError').style.display='';return;}const methodMap={'等额本息':'e','等额本金':'p','先息后本':'i','e':'e','p':'p','i':'i'};let imported=0,failed=0;for(let i=1;is.trim());if(cols.length<6)continue;const name=cols[nameIdx],date=cols[dateIdx],amount=parseFloat(cols[amtIdx]),rate=parseFloat(cols[rateIdx]),periods=parseInt(cols[periodsIdx]),method=methodMap[cols[methodIdx]];if(!name||!date||isNaN(amount)||isNaN(rate)||isNaN(periods)||!method){failed++;continue;}const schedule=calcSchedule(amount,rate,periods,method,date);let paid=[];if(paidIdx>=0&&cols[paidIdx]){const paidStr=cols[paidIdx].trim();const m=paidStr.match(/^(\d+)\//);if(m){const paidCount=parseInt(m[1]);for(let p=1;p<=Math.min(paidCount,periods);p++)paid.push(p);}}const purpose=purposeIdx>=0?cols[purposeIdx]||'':'';const loan={name,date,amount,rate,periods,method,purpose,schedule,paid};const saved=await saveLoanToServer(loan);if(saved)loans.push(saved);else failed++;imported++;}if(imported>0){$('importSuccess').style.display='';$('importSuccess').textContent=`成功导入 ${imported} 条${failed?`,失败 ${failed} 条`:''}`;renderAll();}else{$('importError').textContent='导入失败,请检查文件格式';$('importError').style.display='';}}
function toggleUserMenu(e){e.stopPropagation();$('userMenu').classList.toggle('show');}
document.addEventListener('click',function(){$('userMenu').classList.remove('show');});
function showChangeNick(e){if(e)e.preventDefault();$('userMenu').classList.remove('show');$('newNick').value='';$('nickError').style.display='none';$('nickSuccess').style.display='none';$('changeNickModal').classList.add('show');}