<svg xmlns="http://www.w3.org/2000/svg" width="1200" height="720" viewBox="0 0 1200 720">
  <rect width="1200" height="720" fill="#f8fafc"/>
  <text x="600" y="72" font-size="36" text-anchor="middle" fill="#0f766e" font-family="Arial, PingFang SC, Microsoft YaHei">技术债识别地图</text>
  <rect x="90" y="130" width="300" height="220" rx="22" fill="#ffffff" stroke="#99f6e4" stroke-width="3"/>
  <text x="240" y="185" font-size="30" text-anchor="middle" fill="#0f766e" font-family="Arial, PingFang SC, Microsoft YaHei">代码与架构</text>
  <text x="130" y="235" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 重复逻辑与高耦合</text>
  <text x="130" y="275" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 老旧依赖版本</text>
  <text x="130" y="315" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 难以测试的关键模块</text>
  <rect x="450" y="130" width="300" height="220" rx="22" fill="#ffffff" stroke="#99f6e4" stroke-width="3"/>
  <text x="600" y="185" font-size="30" text-anchor="middle" fill="#0f766e" font-family="Arial, PingFang SC, Microsoft YaHei">交付与运维</text>
  <text x="490" y="235" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 发布回滚依赖人工</text>
  <text x="490" y="275" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 监控覆盖不完整</text>
  <text x="490" y="315" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 配置漂移难收敛</text>
  <rect x="810" y="130" width="300" height="220" rx="22" fill="#ffffff" stroke="#99f6e4" stroke-width="3"/>
  <text x="960" y="185" font-size="30" text-anchor="middle" fill="#0f766e" font-family="Arial, PingFang SC, Microsoft YaHei">组织与流程</text>
  <text x="850" y="235" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 关键知识集中少数人</text>
  <text x="850" y="275" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 变更标准不一致</text>
  <text x="850" y="315" font-size="22" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">• 需求挤压治理窗口</text>
  <rect x="180" y="430" width="840" height="180" rx="24" fill="#ecfeff" stroke="#67e8f9" stroke-width="2"/>
  <text x="600" y="485" font-size="32" text-anchor="middle" fill="#0f766e" font-family="Arial, PingFang SC, Microsoft YaHei">识别原则</text>
  <text x="240" y="535" font-size="24" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">高频重复 + 放大风险 + 持续拖慢交付，才应进入重点债务池</text>
  <text x="240" y="575" font-size="24" fill="#334155" font-family="Arial, PingFang SC, Microsoft YaHei">不要把所有待优化事项都叫技术债，要区分缺陷、需求与结构性债务</text>
</svg>