fix(admin): 通知分页、登录过期提示、附件打开反馈与导出统一 loading

- 通知中心改为游标分页 + 加载更多,历史通知不再被 50 条上限截断;
  加载失败显示错误态与重试
- AI 流式请求 401 被登出时,登录页提示"登录已过期",不再无声踢出
- AI 附件/引用来源打开失败时给出明确错误提示,不再"点了没反应"
- 新增 useDownload hook:统一导出/下载的防重复、loading 与成功/失败反馈;
  接入学生/账单/房间/入住/费用五个页面的模板下载与导出按钮
- 学生页移除不检查响应状态的私有下载实现,统一走 downloadBlob

apps/admin/src/pages/Expenses/index.tsx

@@ -4,10 +4,10 @@ import { useQuery } from '@tanstack/react-query';
 import { App, Button, Form, Space, Tabs } from 'antd';
 import dayjs from 'dayjs';
 import api from '../../api';
-import { downloadBlob } from '../../utils/download';
 import { message } from '../../ui/app-message';
 import { usePermission } from '../../hooks/usePermission';
 import { useApiMutation } from '../../hooks/useApiMutation';
+import { useDownload } from '../../hooks/useDownload';
 import { validateResponse } from '../../utils/validate';
 import {
   expenseLookupsSchema,
@@ -44,6 +44,12 @@ const ExpensesPage: React.FC = () => {
   const [showArchived, setShowArchived] = useState(false);
   const expenseViewPolicy = archiveViewPolicy(showArchived ? 'archived' : 'active');
 
+  const { downloading: utilityTemplateDownloading, run: runUtilityTemplateDownload } =
+    useDownload();
+  const { downloading: personalTemplateDownloading, run: runPersonalTemplateDownload } =
+    useDownload();
+  const { downloading: personalExportDownloading, run: runPersonalExportDownload } = useDownload();
+
   const {
     data: typeLookups = { typeOptions: [], personalTypeOptions: [], typeMap: {} },
   } = useQuery<{
@@ -506,10 +512,12 @@ const ExpensesPage: React.FC = () => {
                   onPurge={handlePurgeRoom}
                   onImport={(formData) => mutations.importUtility.mutateAsync(formData)}
                   onTemplateDownload={() => {
-                    void downloadBlob('/expenses/utility/template', '水电费导入模板.xlsx').catch(
-                      () => message.error('下载失败'),
-                    );
+                    void runUtilityTemplateDownload('/expenses/utility/template', '水电费导入模板.xlsx', {
+                      successMsg: '模板已下载',
+                      errorMsg: '下载失败',
+                    });
                   }}
+                  templateLoading={utilityTemplateDownloading}
                   onAddUtility={() => setUtilityModal(true)}
                 />
               ),
@@ -547,15 +555,19 @@ const ExpensesPage: React.FC = () => {
                   onPurge={handlePurgePersonal}
                   onImport={(formData) => mutations.importPersonal.mutateAsync(formData)}
                   onTemplateDownload={() => {
-                    void downloadBlob('/expenses/personal/template', '个人附加费导入模板.xlsx').catch(
-                      () => message.error('下载失败'),
-                    );
+                    void runPersonalTemplateDownload('/expenses/personal/template', '个人附加费导入模板.xlsx', {
+                      successMsg: '模板已下载',
+                      errorMsg: '下载失败',
+                    });
                   }}
+                  templateLoading={personalTemplateDownloading}
                   onExport={() => {
-                    downloadBlob('/expenses/personal/export', '个人附加费导出.xlsx').catch(() =>
-                      message.error('导出失败'),
-                    );
+                    void runPersonalExportDownload('/expenses/personal/export', '个人附加费导出.xlsx', {
+                      successMsg: '导出成功',
+                      errorMsg: '导出失败',
+                    });
                   }}
+                  exportLoading={personalExportDownloading}
                 />
               ),
             },