feat: 支持数据库运行时配置与多数据库，重构设置页并完善打包

- 数据库支持 SQLite / MySQL 运行时配置与切换，未配置时仍可启动，配置后自动建表
- 新增默认分类与标签初始化，注册用户自动创建
- 新增注册开关（默认关闭，可在系统设置开启；无用户时允许创建首个账号）
- 合并数据库、注册与 AI 配置为「系统设置」页，拆分「模型使用情况」独立页面
- AI 一键设置支持新建分类与标签
- 前端构建产物打包进可执行 jar，后端增加 SPA 路由回退
- jar 更名为 finance-app，补全 Gradle Wrapper，移除 archive 任务
- 更新 DeepSeek 模型说明文案

frontend/src/views/TransactionList.vue

@@ -1007,17 +1007,47 @@ async function handleAiApply() {
     message.warning(t('ai.applyNone'))
     return
   }
+  // 勾选中包含新建分类/标签时，先经用户确认再落库
+  if (aiNewCategoryNames.value.length > 0 || aiNewTagNames.value.length > 0) {
+    const confirmed = await new Promise<boolean>((resolve) => {
+      dialog.warning({
+        title: t('ai.applyNewTitle'),
+        content: t('ai.applyNewConfirm', {
+          categories: aiNewCategoryNames.value.length,
+          tags: aiNewTagNames.value.length,
+        }),
+        positiveText: t('common.confirm'),
+        negativeText: t('common.cancel'),
+        onPositiveClick: () => resolve(true),
+        onNegativeClick: () => resolve(false),
+        onClose: () => resolve(false),
+      })
+    })
+    if (!confirmed) {
+      return
+    }
+  }
   aiApplying.value = true
   try {
     // 仅提交勾选的建议，聚合建议按组展开为逐条记录
     const payload = chosen.flatMap((s) => {
       const ids = s.transactionIds?.length ? s.transactionIds : [s.transactionId]
-      return ids.map((id) => ({ transactionId: id, categoryId: s.categoryId, tagIds: s.tagIds || [] }))
+      return ids.map((id) => ({
+        transactionId: id,
+        categoryId: s.categoryId,
+        newCategoryName: s.newCategoryName,
+        newCategoryIcon: s.newCategoryIcon,
+        tagIds: s.tagIds || [],
+        newTags: s.newTags || [],
+      }))
     })
     const res: any = await applyAiSuggestions(payload)
     message.success(t('ai.applySuccess', { count: res.data }))
     showAiModal.value = false
     await fetchData()
+    // 应用过程中可能新建了分类或标签，刷新以保持一致
+    await fetchCategories()
+    await fetchTags()
   } catch (e: any) {
     message.error(e.message || t('ai.applyFailed'))
   } finally {
@@ -1344,6 +1374,30 @@ const aiTotalCount = computed(() => {
     .reduce((sum, s) => sum + (s.transactionIds?.length || 1), 0)
 })
 
+/** 勾选建议中需要新建的分类名称（去重） */
+const aiNewCategoryNames = computed(() => {
+  const selected = new Set(checkedAiRowKeys.value)
+  const names = new Set<string>()
+  aiSuggestions.value.forEach((s) => {
+    if (selected.has(s.transactionId) && s.newCategoryName) {
+      names.add(s.newCategoryName)
+    }
+  })
+  return Array.from(names)
+})
+
+/** 勾选建议中需要新建的标签名称（去重） */
+const aiNewTagNames = computed(() => {
+  const selected = new Set(checkedAiRowKeys.value)
+  const names = new Set<string>()
+  aiSuggestions.value.forEach((s) => {
+    if (selected.has(s.transactionId) && s.newTags) {
+      s.newTags.forEach((tag) => names.add(tag.name))
+    }
+  })
+  return Array.from(names)
+})
+
 /** AI 建议表格列定义（随语言切换与建议范围响应式更新） */
 const aiColumns = computed<DataTableColumns<any>>(() => {
   const columns: DataTableColumns<any> = [
@@ -1365,18 +1419,55 @@ const aiColumns = computed<DataTableColumns<any>>(() => {
   ]
   // 按建议范围展示对应列
   if (aiScope.value !== 'TAG') {
-    columns.push({ title: t('ai.column.category'), key: 'category', width: 130, render: (row) => row.categoryName || '-' })
+    columns.push({
+      title: t('ai.column.category'), key: 'category', minWidth: 150,
+      render: (row) => renderCategoryCell(row),
+    })
   }
   if (aiScope.value !== 'CATEGORY') {
     columns.push({
-      title: t('ai.column.tags'), key: 'tags', minWidth: 150,
-      render: (row) => (row.tagNames && row.tagNames.length > 0 ? row.tagNames.join('、') : '-'),
+      title: t('ai.column.tags'), key: 'tags', minWidth: 180,
+      render: (row) => renderTagsCell(row),
     })
   }
   columns.push({ title: t('ai.column.reason'), key: 'reason', minWidth: 180, ellipsis: { tooltip: true } })
   return columns
 })
 
+/** 渲染 AI 建议的分类单元格，新建分类带「新建」标记 */
+function renderCategoryCell(row: AiSuggestion) {
+  if (row.newCategoryName) {
+    return h(NSpace, { size: 4, align: 'center', wrap: false }, {
+      default: () => [
+        h(NTag, { size: 'small', type: 'info' }, { default: () => t('ai.newBadge') }),
+        h('span', null, `${row.newCategoryIcon || ''}${row.newCategoryName}`),
+      ],
+    })
+  }
+  return row.categoryName || '-'
+}
+
+/** 渲染 AI 建议的标签单元格，新建标签带「新建」标记并使用建议颜色 */
+function renderTagsCell(row: AiSuggestion) {
+  const items: any[] = []
+  if (row.tagNames && row.tagNames.length > 0) {
+    items.push(...row.tagNames.map((name) => h(NTag, { size: 'small' }, { default: () => name })))
+  }
+  if (row.newTags && row.newTags.length > 0) {
+    items.push(...row.newTags.map((tag) =>
+      h(NTag, { size: 'small', color: { color: tag.color, textColor: '#fff' } }, {
+        default: () => h(NSpace, { size: 2, align: 'center', wrap: false }, {
+          default: () => [
+            h('span', null, t('ai.newBadge')),
+            h('span', null, tag.name),
+          ],
+        }),
+      }),
+    ))
+  }
+  return items.length > 0 ? h(NSpace, { size: 4, wrap: true }, { default: () => items }) : '-'
+}
+
 /** 打开批量设置分类弹窗 */
 function handleBatchOpen() {
   if (transactions.value.length === 0) {