feat(template): Implement template caching and SQL rendering for enhanced query handling

- Introduced `TemplateService` for managing SQL templates, allowing for parameterized queries based on user input.
- Added functionality to automatically reload templates upon asset creation in `analyst.py`.
- Enhanced `CacheService` to support table generation bumping, ensuring cache invalidation on data changes.
- Updated `RiskRepository` and `GatewayRepository` to trigger cache invalidation for relevant operations.
- Expanded `analyst_schemas.py` to include new fields for template tracking in response metadata.
- Created seed SQL script for populating initial templates and added unit tests for template rendering logic.

This update significantly improves the efficiency of query handling by leveraging SQL templates, reducing reliance on LLM for common queries.

docs/memory/TODO.md

@@ -99,6 +99,9 @@
 
 - [ ] **20 题 live battery 跑分**（见上方「本批次 · 优先收尾」）
 - [ ] **agent 编排接流水 Ambiguity**：`dict_service` 已返 Ambiguity · 确认 `analyst_agent` 反问链路在 live 20 题里生效（Q 含「流水」）
+- [x] **D-06 写侧主动失效**（2026-09-10）：表世代 bump · 模拟交易 `core_trade` · 预警/L3 写侧 · `invalidate_tables` + 单测
+- [x] **D-06 模板缓存**（2026-09-10）：`template_service` 匹配+填参 · 问数编排跳过 LLM · 种子 `seed-analyst-query-templates.sql`
+- [ ] **D-06 PII 脱敏后再缓存** — 暂缓（全仓脱敏方案未定）
 - [ ] **已知挂账（迭代文档）**：Q17 `create` 误杀 · Q7 无城市字段静默改职业 · 待排期
 - [ ] **远程分支同步**（可选）：本地 `data-analysis-agent` @ `fd9464d` 落后 `xinghuo/data-analysis-agent` 2 commit