feat: 个人记账与预算管理系统 MVP 初始版本

backend/prisma/schema.prisma

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+// This is your Prisma schema file,
+// learn more about it in the docs: https://pris.ly/d/prisma-schema
+
+// Looking for ways to speed up your queries, or scale easily with your serverless or edge functions?
+// Try Prisma Accelerate: https://pris.ly/cli/accelerate-init
+
+generator client {
+  provider = "prisma-client-js"
+}
+
+datasource db {
+  provider = "sqlite"
+  url      = env("DATABASE_URL")
+}
+
+// 用户表
+model User {
+  id        Int      @id @default(autoincrement())
+  name      String
+  email     String   @unique
+  createdAt DateTime @default(now())
+  accounts  Account[]
+  budgets   Budget[]
+  records   Record[]
+}
+
+// 账户表
+model Account {
+  id        Int      @id @default(autoincrement())
+  userId    Int
+  name      String   // 账户名称(支付宝、微信、银行卡等)
+  balance   Decimal  @default(0)  // 当前余额
+  type      String   // 账户类型
+  color     String   // 显示颜色
+  createdAt DateTime @default(now())
+  updatedAt DateTime @updatedAt
+  user      User     @relation(fields: [userId], references: [id])
+  records   Record[]
+}
+
+// 交易记录表
+model Record {
+  id          Int      @id @default(autoincrement())
+  userId      Int
+  accountId   Int
+  type        String   // 'income' | 'expense'
+  amount      Decimal
+  category    String   // 消费类别
+  description String?  // 备注
+  date        DateTime
+  createdAt   DateTime @default(now())
+  user        User     @relation(fields: [userId], references: [id])
+  account     Account  @relation(fields: [accountId], references: [id])
+}
+
+// 预算表
+model Budget {
+  id        Int      @id @default(autoincrement())
+  userId    Int
+  category  String   // 预算类别
+  amount    Decimal  // 预算金额
+  month     String   // 预算月份(YYYY-MM)
+  createdAt DateTime @default(now())
+  updatedAt DateTime @updatedAt
+  user      User     @relation(fields: [userId], references: [id])
+}