fix(小宝预警): 等待缓存加载后再触发AI建议

apps/web/stores/useXiaobaoRiskStore.ts

@@ -13,6 +13,7 @@ import type { XiaobaoRiskSnapshot } from '@/lib/xiaobao-risk-trend';
 interface XiaobaoRiskState {
   snapshots: XiaobaoRiskSnapshot[];
   insights: XiaobaoRiskInsightCacheItem[];
+  riskDataLoaded: boolean;
   error?: string;
   fetchRiskData: () => Promise<void>;
   saveSnapshot: (item: XiaobaoRiskSnapshot) => Promise<void>;
@@ -41,13 +42,16 @@ let insightSaveQueue: Promise<void> = Promise.resolve();
 export const useXiaobaoRiskStore = create<XiaobaoRiskState>((set, get) => ({
   snapshots: [],
   insights: [],
+  riskDataLoaded: false,
   error: undefined,
 
   fetchRiskData: async () => {
+    set({ riskDataLoaded: false });
     const [snapshots, insights] = await Promise.all([loadSnapshots(), loadInsights()]);
     set({
       ...(snapshots ? { snapshots } : {}),
       ...(insights ? { insights } : {}),
+      riskDataLoaded: snapshots !== null && insights !== null,
       error: snapshots === null || insights === null ? '小宝预警缓存加载失败' : undefined,
     });
   },