diff --git a/static/modules/projects.js b/static/modules/projects.js
index e3ad0b4..36a401c 100644
--- a/static/modules/projects.js
+++ b/static/modules/projects.js
@@ -67,19 +67,58 @@ function updateTenantLabel() {
   };
   const container = document.querySelector("#tenantList");
   if (container) {
-    container.innerHTML = tenants.map(t => {
-      const shortName = t.replace("·无界", "");
-      const isActive = t === state.tenant;
-      var icon = tenantIcons[t] || 'circle';
-      return '<div class="flex flex-col items-center cursor-pointer rounded-lg py-1.5 px-1 w-14 transition-colors ' + (isActive ? 'bg-blue-600' : 'hover:bg-slate-800') + '" onclick="switchTenantFromMenu(\'' + t.replace(/'/g, "\\'") + '\')" title="' + esc(t) + '">' +
-        '<i data-lucide="' + icon + '" style="width:20px;height:20px;color:' + (isActive ? '#fff' : '#94a3b8') + '"></i>' +
-        '<span class="text-[10px] mt-1 max-w-[56px] truncate text-center ' + (isActive ? 'text-white' : 'text-slate-400') + '">' + esc(shortName) + '</span>' +
-        '</div>';
-    }).join('');
+    var currentShort = (state.tenant || '').replace("·无界", "");
+    var currentIcon = tenantIcons[state.tenant] || 'circle';
+    container.innerHTML = '<div class="flex flex-col items-center cursor-pointer hover:bg-slate-800 rounded-lg py-2 px-1 w-14 transition-colors" onclick="toggleTenantMenu(event)" title="切换工作台">' +
+      '<i data-lucide="' + currentIcon + '" style="width:20px;height:20px;color:#60a5fa"></i>' +
+      '<span class="text-[10px] mt-1 max-w-[56px] truncate text-center text-slate-300">' + esc(currentShort) + '</span>' +
+      '<i data-lucide="chevron-down" style="width:12px;height:12px;color:#64748b;margin-top:2px"></i>' +
+      '</div>';
     if (window.lucide) window.lucide.createIcons();
   }
 }
 
+window.toggleTenantMenu = (event) => {
+  event.stopPropagation();
+  let menu = document.getElementById("tenantMenu");
+  if (menu) { menu.remove(); return; }
+  const btn = event.currentTarget;
+  const rect = btn.getBoundingClientRect();
+  const tenants = (state.allowedTenants || []).slice().sort(function(a, b) { var order = ['总览','学术·无界','MCN·无界','科普·无界','医患·无界','科研·无界']; var ai = order.indexOf(a); var bi = order.indexOf(b); if (ai < 0) ai = 99; if (bi < 0) bi = 99; return ai - bi; });
+  var tenantIcons = {
+    '学术·无界': 'graduation-cap',
+    'MCN·无界': 'video',
+    '科普·无界': 'flask-conical',
+    '医患·无界': 'stethoscope',
+    '科研·无界': 'microscope',
+    '总览': 'layout-dashboard'
+  };
+  menu = document.createElement("div");
+  menu.id = "tenantMenu";
+  menu.className = "fixed bg-white rounded-lg shadow-xl border border-slate-200 py-1 min-w-[180px] z-[9999]";
+  menu.style.left = Math.min(rect.left - 8, window.innerWidth - 200) + "px";
+  menu.style.top = rect.bottom + 6 + "px";
+  menu.innerHTML = '<div class="px-4 py-2 border-b border-slate-100"><p class="text-xs font-semibold text-slate-500 uppercase tracking-wider">切换工作台</p></div>' +
+    tenants.map(t => {
+      const shortName = t.replace("·无界", "");
+      const isActive = t === state.tenant;
+      var icon = tenantIcons[t] || 'circle';
+      return '<button class="w-full text-left px-4 py-2.5 text-sm hover:bg-slate-50 transition-colors flex items-center gap-3 ' + (isActive ? 'text-blue-600 font-medium bg-blue-50' : 'text-slate-700') + '" onclick="switchTenantFromMenu(\'' + t.replace(/'/g, "\\'") + '\')">' +
+        '<i data-lucide="' + icon + '" style="width:16px;height:16px;color:' + (isActive ? '#2563eb' : '#94a3b8') + '"></i>' +
+        '<span class="flex-1">' + esc(shortName) + '</span>' +
+        (isActive ? '<i data-lucide="check" style="width:14px;height:14px;color:#2563eb"></i>' : '') +
+        '</button>';
+    }).join('');
+  document.body.appendChild(menu);
+  if (window.lucide) window.lucide.createIcons();
+  setTimeout(() => {
+    document.addEventListener("click", function closeMenu() {
+      menu.remove();
+      document.removeEventListener("click", closeMenu);
+    }, { once: true });
+  }, 10);
+};
+
 window.toggleUserMenu = (user) => {
   let menu = document.getElementById("userMenu");
   if (menu) { menu.remove(); return; }
diff --git a/static/modules/utils.js b/static/modules/utils.js
index b5c8267..6f462d2 100644
--- a/static/modules/utils.js
+++ b/static/modules/utils.js
@@ -115,18 +115,81 @@ function renderTable(headers, rows, rowClicks) {
   `);
 }
 
+var _loadingSteps = [
+  { fn: 'renderHome', label: '正在加载首页仪表盘（指标卡片+图表）' },
+  { fn: 'renderProjects', label: '正在加载业务机会列表' },
+  { fn: 'renderProposals', label: '正在加载业务方案列表' },
+  { fn: 'renderProducts', label: '正在加载产品迭代列表' },
+  { fn: 'renderPerformance', label: '正在加载绩效管理' },
+  { fn: 'renderFinance', label: '正在加载财务模块（表格+总览+图表）' },
+  { fn: 'renderPlan', label: '正在加载计划预算' },
+];
+
+function showLoadingOverlay(steps) {
+  var existing = document.getElementById('_loadingOverlay');
+  if (existing) existing.remove();
+  var stepsHtml = steps.map(function(s, i) {
+    return '<div id="_loadingStep_' + i + '" class="flex items-center gap-3 py-1.5 text-sm ' + (i === 0 ? 'text-blue-600 font-medium' : 'text-slate-400') + '">' +
+      '<span class="w-4 h-4 flex items-center justify-center">' + (i === 0 ? '<svg class="animate-spin" width="14" height="14" viewBox="0 0 24 24" fill="none"><circle cx="12" cy="12" r="10" stroke="currentColor" stroke-width="3" opacity="0.25"/><path d="M12 2a10 10 0 0 1 10 10" stroke="currentColor" stroke-width="3" stroke-linecap="round"/></svg>' : '<span class="w-2 h-2 rounded-full bg-slate-300"></span>') + '</span>' +
+      '<span>' + s.label + '</span>' +
+      '</div>';
+  }).join('');
+  var overlay = document.createElement('div');
+  overlay.id = '_loadingOverlay';
+  overlay.className = 'fixed inset-0 z-[99999] flex items-center justify-center bg-black/50';
+  overlay.innerHTML = '<div class="bg-white rounded-2xl shadow-2xl px-8 py-6 w-full max-w-md">' +
+    '<h3 class="text-base font-bold text-slate-800 mb-1">正在加载工作台</h3>' +
+    '<p class="text-xs text-slate-400 mb-4">共 ' + steps.length + ' 个模块，请稍候…</p>' +
+    '<div id="_loadingSteps">' + stepsHtml + '</div>' +
+    '<div class="mt-4 h-1 bg-slate-100 rounded-full overflow-hidden"><div id="_loadingProgress" class="h-full bg-blue-600 transition-all duration-300" style="width:0%"></div></div>' +
+    '</div>';
+  document.body.appendChild(overlay);
+}
+
+function updateLoadingStep(idx, total) {
+  var stepEl = document.getElementById('_loadingStep_' + idx);
+  if (stepEl) {
+    stepEl.className = 'flex items-center gap-3 py-1.5 text-sm text-green-600 font-medium';
+    stepEl.querySelector('span:first-child').innerHTML = '<svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg>';
+  }
+  var nextEl = document.getElementById('_loadingStep_' + (idx + 1));
+  if (nextEl) {
+    nextEl.className = 'flex items-center gap-3 py-1.5 text-sm text-blue-600 font-medium';
+    nextEl.querySelector('span:first-child').innerHTML = '<svg class="animate-spin" width="14" height="14" viewBox="0 0 24 24" fill="none"><circle cx="12" cy="12" r="10" stroke="currentColor" stroke-width="3" opacity="0.25"/><path d="M12 2a10 10 0 0 1 10 10" stroke="currentColor" stroke-width="3" stroke-linecap="round"/></svg>';
+  }
+  var progress = document.getElementById('_loadingProgress');
+  if (progress) progress.style.width = Math.round((idx + 1) / total * 100) + '%';
+}
+
+function hideLoadingOverlay() {
+  var overlay = document.getElementById('_loadingOverlay');
+  if (overlay) overlay.remove();
+}
+
 async function load() {
+  showLoadingOverlay(_loadingSteps);
   state.data = await api(`/api/bootstrap?tenant=${encodeURIComponent(state.tenant)}`);
   // 首次加载时确保标准资料库 7 项已初始化
   if (typeof ensureStandardProposals === "function") {
     const existing = (state.data.proposals || []).filter(p => p.proposal_type === "标准资料");
     const missingCount = 7 - existing.length;
     if (missingCount > 0) {
+      hideLoadingOverlay();
       await ensureStandardProposals();
       return;  // ensureStandardProposals 内部会再次 render
     }
   }
-  render();
+  // 逐步渲染
+  for (var i = 0; i < _loadingSteps.length; i++) {
+    var step = _loadingSteps[i];
+    if (typeof window[step.fn] === 'function') {
+      window[step.fn]();
+    }
+    updateLoadingStep(i, _loadingSteps.length);
+    await new Promise(function(r) { setTimeout(r, 50); });
+  }
+  if (window.lucide) window.lucide.createIcons();
+  setTimeout(hideLoadingOverlay, 300);
 }
 
 function switchTab(tab) {
diff --git a/templates/index.html b/templates/index.html
index bf4de69..7495998 100644
--- a/templates/index.html
+++ b/templates/index.html
@@ -76,7 +76,7 @@
     <header class="topbar border-b border-slate-200 bg-white px-8 py-5">
       <div class="flex items-center gap-3 w-full">
         <div class="flex-1">
-          <p class="eyebrow text-xs font-semibold uppercase tracking-[0.18em] text-blue-700">OPC Manager <span class="ml-2 text-xs font-normal text-slate-400 tracking-normal">v1.0.0.38</span></p>
+          <p class="eyebrow text-xs font-semibold uppercase tracking-[0.18em] text-blue-700">OPC Manager <span class="ml-2 text-xs font-normal text-slate-400 tracking-normal">v1.0.0.39</span></p>
           <div class="flex items-center gap-4 mt-1">
             <h1 class="text-2xl font-semibold" id="workspaceTitle">科普 OPC 工作台</h1>
             <div class="hidden sm:flex items-center gap-1.5 bg-gradient-to-r from-blue-50 to-indigo-50 border border-blue-100 rounded-full px-4 py-1.5">