feat: 富消息升级 — 催办用模板卡片 + 公告用 Markdown

scheduler.py:
- 未填报经理 → 模板卡片消息(标题+描述+「去填报」按钮)
- 支局长/领导 → Markdown 每日填报汇总(markdown)
- 文本消息作为降级方案

wecom.py API:
- remind: 模板卡片优先 → 降级文本
- announcement: Markdown 优先 → 降级文本

Co-Authored-By: Claude <noreply@anthropic.com>

backend/app/services/scheduler.py

@@ -21,6 +21,9 @@ async def check_daily_reporting(db: AsyncSession) -> dict:
     )
     managers = result.scalars().all()
 
+    if not managers:
+        return {"status": "ok", "date": str(today), "total_managers": 0, "reported": 0, "not_reported": 0}
+
     # Get managers who have reported today
     reported_visits = await db.execute(
         select(Visit.manager_id).where(Visit.visit_date == today)
@@ -40,21 +43,43 @@ async def check_daily_reporting(db: AsyncSession) -> dict:
         else:
             not_reported.append(m)
 
-    # Send markdown message to not-reported managers
+    # 1. Send template card to not-reported managers (tap to open app)
     if not_reported:
-        names = "、".join(m.name for m in not_reported)
-        content = (
-            f"## 📋 今日填报提醒\n\n"
-            f"> 日期：{today}\n"
-            f"> 已填报：{len(reported_names)} 人\n"
-            f"> 未填报：**{len(not_reported)} 人**\n\n"
-            f"以下同事尚未提交今日拜访记录：\n"
-            + "".join(f"- **{m.name}**\n" for m in not_reported)
-            + f"\n请尽快完成今日拜访填报 🙏"
-        )
         user_ids = [m.wecom_userid for m in not_reported if m.wecom_userid]
         if user_ids:
-            await wecom_client.send_text_message(user_ids, content)
+            desc = f"{today} | 已填报 {len(reported_names)}/{len(managers)} 人"
+            success = await wecom_client.send_template_card(
+                user_ids=user_ids,
+                title="📋 今日填报提醒",
+                desc=desc,
+                url="https://qj.dhdx.fun/m",
+                btn_text="去填报",
+            )
+            # Fallback to text
+            if not success:
+                names_text = "、".join(m.name for m in not_reported)
+                await wecom_client.send_text_message(
+                    user_ids,
+                    f"📋 今日填报提醒\n\n{desc}\n未填报：{names_text}\n\n请尽快完成填报 🙏\nhttps://qj.dhdx.fun/m",
+                )
+
+    # 2. Send summary to director
+    directors = await db.execute(
+        select(User).where(User.role.in_(["director", "leader"]), User.wecom_userid.isnot(None))
+    )
+    for d in directors.scalars().all():
+        if managers:
+            pct = len(reported_map) / len(managers) * 100
+            summary = (
+                f"## 📊 今日填报汇总\n\n"
+                f"> 日期：{today}\n"
+                f"> 填报率：**{pct:.0f}%** ({len(reported_map)}/{len(managers)})\n\n"
+            )
+            if not_reported:
+                summary += "**未填报：**\n" + "".join(f"- {m.name}\n" for m in not_reported)
+            else:
+                summary += "✅ 全体已完成今日填报"
+            await wecom_client.send_markdown_message(summary)  # broadcast for director visibility
 
     return {
         "status": "ok",