refactor: 优化跨端导航适配与页面文案体验

- 新增微信小程序胶囊区域避让布局逻辑
- 统一首页导航与标题对齐规则
- 更新多处演示提示文案为正式表述
- 调整个人中心账户状态显示
- 优化产品页分享按钮条件渲染

packages/account/login/login.uvue

@@ -12,8 +12,7 @@
 				<view v-if="mode == 'phone' && smsSent" class="input-box"><input v-model="smsCode" type="number" maxlength="6" placeholder="请输入 6 位验证码" class="field-input" /><text class="countdown" @click="resendSms">{{ countdown > 0 ? countdown.toString() + 's 后重试' : '重新获取' }}</text></view>
 				<text v-if="errorMessage.length > 0" class="error-message">{{ errorMessage }}</text>
 				<button class="login-button" :disabled="loading" @click="login">{{ loading ? '处理中…' : (mode == 'phone' ? (smsSent ? '登录' : '获取验证码') : '登录') }}</button>
-				<view class="mode-row"><text class="mode-link" @click="switchMode">{{ mode == 'phone' ? '密码登录' : '使用验证码登录' }}</text><text v-if="isDemo" class="demo-label">演示模式</text></view>
-				<text v-if="isDemo && smsSent" class="demo-hint">未发送真实短信，可输入任意 6 位数字体验。</text>
+				<view class="mode-row"><text class="mode-link" @click="switchMode">{{ mode == 'phone' ? '密码登录' : '使用验证码登录' }}</text></view>
 				<view class="other-login"><view class="line"></view><text class="other-text">其他登录方式</text><view class="line"></view></view>
 				<view class="social-row"><view class="social-button" @click="socialLogin('微信')"><image class="social-icon" src="/packages/account/static/wechat.svg" mode="aspectFit" /><text class="social-label">微信</text></view><view class="social-button" @click="socialLogin('一键登录')"><image class="social-icon" src="/packages/account/static/quick-login.svg" mode="aspectFit" /><text class="social-label">一键登录</text></view></view>
 				<view class="agreement"><view class="check-hit" @click="agreed = !agreed"><view :class="agreed ? 'check checked' : 'check'"><text v-if="agreed" class="check-mark">✓</text></view></view><text class="agreement-copy">我已阅读并同意<text class="agreement-link" @click="showAgreement('用户协议')">《用户协议》</text>和<text class="agreement-link" @click="showAgreement('隐私政策')">《隐私政策》</text></text></view>
@@ -67,7 +66,7 @@
 		try {
 			if (!(await requestSmsCode(phone.value))) throw new Error('验证码发送失败，请稍后重试')
 			startCountdown()
-			uni.showToast({ title: isDemo ? '演示验证码已就绪' : '验证码已重新发送', icon: 'none' })
+			uni.showToast({ title: isDemo ? '请输入 6 位验证码' : '验证码已重新发送', icon: 'none' })
 		} catch (error) { errorMessage.value = error instanceof Error ? error.message : '验证码发送失败，请稍后重试' } finally { loading.value = false }
 	}
 	const login = async () => {
@@ -80,7 +79,7 @@
 				if (!smsSent.value) {
 					if (!(await requestSmsCode(phone.value))) throw new Error('验证码发送失败，请稍后重试')
 					smsSent.value = true; startCountdown()
-					uni.showToast({ title: isDemo ? '演示验证码已就绪' : '验证码已发送', icon: 'none' })
+					uni.showToast({ title: isDemo ? '请输入 6 位验证码' : '验证码已发送', icon: 'none' })
 				} else {
 					if (!/^[0-9]{6}$/.test(smsCode.value)) throw new Error('请输入 6 位数字验证码')
 					finishLogin(await loginWithSms(phone.value, smsCode.value))
@@ -107,8 +106,6 @@
 	.login-button { height: 92rpx; line-height: 92rpx; margin-top: 28rpx; border-radius: 16rpx; color: #fff; font-size: 30rpx; font-weight: 600; background-color: #0868f7; }
 	.mode-row { flex-direction: row; justify-content: space-between; align-items: center; margin-top: 12rpx; }
 	.mode-link { padding: 16rpx 0; color: #31415a; font-size: 26rpx; }
-	.demo-label { color: #8591a2; font-size: 22rpx; }
-	.demo-hint { color: #65748a; font-size: 24rpx; line-height: 36rpx; margin-top: 8rpx; }
 	.other-login { margin-top: 66rpx; flex-direction: row; align-items: center; justify-content: center; }
 	.other-text { font-size: 24rpx; color: #8490a3; flex-shrink: 0; }
 	.line { height: 1rpx; background-color: #e5eaf1; flex: 1; margin: 0 20rpx; }

packages/account/profile/profile.uvue

@@ -3,7 +3,7 @@
 		<AppHeader title="个人中心" :back="false" />
 		<scroll-view scroll-y :style="contentStyle(226, false)">
 			<view class="profile-content">
-				<view class="profile-card" @click="openAccount"><view class="avatar"><AppIcon name="user" :size="80" /></view><view class="profile-main"><text class="profile-name">{{ displayName }}</text><text class="profile-phone">{{ loggedIn ? maskedPhone : '登录后管理您的融资信息' }}</text></view><text class="account-state">{{ loggedIn ? '演示账户' : '未登录' }}</text></view>
+				<view class="profile-card" @click="openAccount"><view class="avatar"><AppIcon name="user" :size="80" /></view><view class="profile-main"><text class="profile-name">{{ displayName }}</text><text class="profile-phone">{{ loggedIn ? maskedPhone : '登录后管理您的融资信息' }}</text></view><text class="account-state">{{ loggedIn ? '已登录' : '未登录' }}</text></view>
 				<view class="stat-row"><view class="stat-item" @click="go('/packages/finance/archive/archive')"><text class="stat-value">{{ completion }}%</text><text class="stat-label">档案完整度</text></view><view class="stat-item" @click="openReport"><text class="stat-value">{{ hasReport ? '已生成' : '暂无' }}</text><text class="stat-label">评估报告</text></view><view class="stat-item" @click="go('/packages/account/points/points')"><AppIcon name="points" :size="42" /><text class="stat-label">积分中心</text></view></view>
 				<view class="menu-list"><view class="menu-row" v-for="item in menus" :key="item.name" @click="open(item.key)"><AppIcon :name="item.icon" :size="46" /><text class="menu-name">{{ item.name }}</text><text v-if="item.note.length > 0" class="menu-note">{{ item.note }}</text><AppIcon name="chevron-right" :size="28" /></view></view>
 				<button class="logout" @click="logout">{{ loggedIn ? '退出登录' : '登录 / 注册' }}</button>
@@ -46,9 +46,9 @@
 	const open = (key: string) => {
 		if (key == 'archive') go('/packages/finance/archive/archive')
 		else if (key == 'help') go('/packages/finance/assistant/assistant')
-		else if (key == 'security') uni.showModal({ title: '账户安全', content: loggedIn.value ? '当前账户：' + maskedPhone.value + '\n当前为本地演示登录，尚未进行真实身份认证。请勿使用真实密码体验。' : '当前尚未登录，可使用手机号进入演示账户。', showCancel: false, confirmText: '我知道了' })
+		else if (key == 'security') uni.showModal({ title: '账户安全', content: loggedIn.value ? '当前账户：' + maskedPhone.value + '\n请妥善保管账户信息，不要向他人透露密码或验证码。' : '当前尚未登录，请先使用手机号登录。', showCancel: false, confirmText: '我知道了' })
 		else if (key == 'privacy') uni.showActionSheet({ itemList: ['查看隐私说明', '管理资料与授权'], success: (result) => { if (result.tapIndex == 0) showAgreementNotice('隐私说明'); else if (result.tapIndex == 1) { uni.setStorageSync('assessmentEditStep', 3); go('/packages/finance/assessment/assessment?type=' + activeAssessmentType()) } } })
-		else if (key == 'about') uni.showModal({ title: '关于 AI融资', content: '版本 V1.0.0\n帮助您整理融资信息、了解融资知识并体验智能方案匹配。当前为功能演示，评估结果不构成授信承诺。', showCancel: false, confirmText: '我知道了' })
+		else if (key == 'about') uni.showModal({ title: '关于 AI融资', content: '版本 V1.0.0\n帮助您整理融资信息、了解融资知识与融资方案。评估结果仅供参考，不构成授信承诺。', showCancel: false, confirmText: '我知道了' })
 	}
 	const openAccount = () => { if (!loggedIn.value) go('/packages/account/login/login'); else open('security') }
 	const logout = () => {

packages/finance/analyzing/analyzing.uvue

@@ -5,8 +5,8 @@
 		<text class="analyzing-sub">正在整理融资评估信息…</text>
 		<view class="orbital"><view class="orbit orbit-one"></view><view class="orbit orbit-two"></view><view class="ai-core"><image src="/static/mobile/images/robot-cutout.png" mode="aspectFit" class="ai-core-image"></image></view></view>
 		<view class="analysis-list"><view class="analysis-item" v-for="(item,index) in items" :key="item"><view :class="progress > index ? 'analysis-check done' : 'analysis-check'"><text class="analysis-mark">{{ progress > index ? '✓' : '·' }}</text></view><text class="analysis-label">{{ item }}</text></view></view>
-		<text class="estimate">正在生成示例报告，请稍候…</text>
-		<text class="view-now" @click="finish">查看演示结果</text>
+		<text class="estimate">正在生成评估报告，请稍候…</text>
+		<text class="view-now" @click="finish">查看评估结果</text>
 	</view>
 </template>
 

packages/finance/confirm/confirm.uvue

@@ -7,7 +7,7 @@
 				<view class="confirm-tip"><view class="tip-icon"><text class="tip-mark">✓</text></view><view class="tip-copy"><text class="tip-title">{{ assessmentType == 'enterprise' ? '企业融资信息' : '个人融资信息' }}</text><text class="tip-desc">请确认后再开始评估，可随时返回修改。</text></view></view>
 				<text v-if="!hasDraft" class="empty-hint">还没有评估信息，请先完成信息填写。</text>
 				<view class="info-section" v-for="section in sections" :key="section.title"><view class="section-bar"><text class="section-name">{{ section.title }}</text><text class="edit" @click="edit(section.step)">编辑</text></view><template v-for="(row, index) in section.rows" :key="row.label"><view v-if="index < 3 || section.expanded" class="info-row"><text class="info-label">{{ row.label }}</text><text class="info-value">{{ row.value }}</text></view></template><text v-if="section.rows.length > 3" class="expand-link" @click="section.expanded = !section.expanded">{{ section.expanded ? '收起详情' : '查看其余信息' }}</text></view>
-				<text v-if="isDemo" class="demo-note">本次为演示评估，不会发起真实融资申请。</text>
+				<text class="assessment-note">提交信息用于融资评估，不代表已向金融机构提交贷款申请。</text>
 				<view class="scroll-spacer" :style="bottomStyle(24)"></view>
 			</view>
 		</scroll-view>
@@ -18,14 +18,13 @@
 <script setup lang="uts">
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
-	import { API_BASE_URL, submitAssessment } from '@/packages/finance/services/api.uts'
+	import { submitAssessment } from '@/packages/finance/services/api.uts'
 	import { activeAssessmentType, loadAssessmentDraft, draftText, documentsFromDraft } from '@/services/assessment.uts'
 	const { pageStyle, contentStyle, bottomStyle } = usePageLayout()
 	type InfoRow = { label: string, value: string }
 	type InfoSection = { title: string, step: number, rows: InfoRow[], expanded: boolean }
 	const submitting = ref(false)
 	const hasDraft = ref(false)
-	const isDemo = API_BASE_URL.length == 0
 	const assessmentType = ref('personal')
 	const sections = ref<InfoSection[]>([])
 	const payload = ref<UTSJSONObject>({ source: 'mobile', confirmed: false })
@@ -114,7 +113,7 @@
 	.info-label { color: #758297; font-size: 25rpx; line-height: 38rpx; width: 176rpx; flex-shrink: 0; margin-right: 16rpx; }
 	.info-value { flex: 1; min-width: 0; text-align: right; color: #26374f; font-size: 26rpx; line-height: 38rpx; }
 	.expand-link { color: #7387a3; font-size: 24rpx; padding: 15rpx 0 10rpx; }
-	.demo-note { font-size: 23rpx; line-height: 36rpx; color: #8490a3; margin-top: 24rpx; }
+	.assessment-note { font-size: 23rpx; line-height: 36rpx; color: #8490a3; margin-top: 24rpx; }
 	.scroll-spacer { min-height: 152rpx; }
 	.submit-bar { position: fixed; left: 0; right: 0; bottom: 0; padding: 20rpx 30rpx; border-top: 1rpx solid #edf1f6; background-color: #fff; }
 	.submit-button { margin: 0; }

packages/finance/matches/matches.uvue

@@ -8,7 +8,7 @@
 				<view v-else-if="errorMessage.length > 0" class="state-panel"><text class="state-text">{{ errorMessage }}</text><button class="retry-button" @click="loadMatches">重新加载</button></view>
 				<view v-else-if="matches.length == 0" class="state-panel"><text class="state-text">暂无可展示方案，请完善评估资料后重试</text></view>
 				<view v-else>
-					<text class="result-summary">共 {{ matches.length }} 个方案 · {{ isDemo ? '示例数据' : '按您的评估信息匹配' }}</text>
+					<text class="result-summary">共 {{ matches.length }} 个方案 · 了解额度与申请条件</text>
 					<view class="match-card" v-for="item in sortedMatches" :key="item.id" @click="openProduct(item.id)">
 						<view class="bank-row"><view class="bank-logo" :style="'background-color:' + item.color"><text class="bank-initial">{{ item.initials }}</text></view><view class="bank-copy"><text class="bank-name">{{ item.bank }}</text><text class="match-tag">个人信用融资</text></view><text class="match-score">{{ item.score }}%匹配</text></view>
 						<view class="metrics"><view class="metric"><text class="metric-value">{{ item.amount }}<text class="metric-unit"> 万</text></text><text class="metric-label">最高额度</text></view><view class="metric"><text class="metric-value rate-value">{{ item.rate.toFixed(2) }}%</text><text class="metric-label">年化利率（起）</text></view><view class="metric term-metric"><text class="term-value">{{ item.term }}</text><text class="metric-label">贷款期限</text></view></view>
@@ -25,7 +25,7 @@
 <script setup lang="uts">
 	import { usePageLayout } from '@/services/layout.uts'
 	import { FinanceProduct } from '@/packages/finance/services/finance.uts'
-	import { fetchMatches, API_BASE_URL } from '@/packages/finance/services/api.uts'
+	import { fetchMatches } from '@/packages/finance/services/api.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import BottomNav from '@/components/BottomNav.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
@@ -36,7 +36,6 @@
 	const matches = ref<FinanceProduct[]>([])
 	const loading = ref(true)
 	const errorMessage = ref('')
-	const isDemo = API_BASE_URL.length == 0
 	const sortedMatches = computed((): FinanceProduct[] => {
 		const items = matches.value.slice()
 		items.sort((a: FinanceProduct, b: FinanceProduct): number => {

packages/finance/product/product.uvue

@@ -1,17 +1,24 @@
 <template>
 	<view class="page" :style="pageStyle()">
-		<AppHeader title="产品详情"><text v-if="available" class="share" @click="shareProduct">分享</text></AppHeader>
+		<AppHeader title="产品详情">
+			<!-- #ifndef MP-WEIXIN -->
+			<text v-if="available" class="share" @click="shareProduct">分享</text>
+			<!-- #endif -->
+		</AppHeader>
 		<scroll-view scroll-y :style="contentStyle(224, false)">
 			<view class="product-content">
 				<view v-if="loading" class="state"><text class="state-text">正在加载产品…</text></view>
 				<view v-else-if="!available" class="state"><text class="state-title">{{ loadFailed ? '产品加载失败' : '暂未找到该产品' }}</text><text class="state-text">请重试或返回方案列表选择其他产品</text><button class="retry-button" @click="loadProduct">重新加载</button></view>
 				<view v-else>
-					<view class="bank-head"><view class="bank-mark" :style="'background-color:' + product.color"><text class="bank-initial">{{ product.initials }}</text></view><view class="bank-copy"><text class="product-name">{{ product.bank }}</text><text class="product-tags">个人信用融资 · {{ isDemo ? '示例产品' : '产品信息' }}</text></view></view>
+					<!-- #ifdef MP-WEIXIN -->
+					<view class="product-actions"><text class="share" @click="shareProduct">分享产品</text></view>
+					<!-- #endif -->
+					<view class="bank-head"><view class="bank-mark" :style="'background-color:' + product.color"><text class="bank-initial">{{ product.initials }}</text></view><view class="bank-copy"><text class="product-name">{{ product.bank }}</text><text class="product-tags">个人信用融资 · 产品信息</text></view></view>
 					<view class="product-metrics"><view class="metric"><text class="metric-label">最高额度</text><text class="amount">{{ product.amount }}万</text></view><view class="metric"><text class="metric-label">年化利率（起）</text><text class="rate">{{ product.rate.toFixed(2) }}%</text></view><view class="metric last-metric"><text class="metric-label">贷款期限</text><text class="term">{{ product.term }}</text></view></view>
 					<view class="detail-section"><text class="section-title">产品优势</text><view class="advantage-grid"><view class="advantage" v-for="item in product.advantages" :key="item"><AppIcon name="check-circle" :size="30" /><text class="advantage-label">{{ item }}</text></view></view></view>
 					<view class="detail-section"><text class="section-title">申请条件</text><view class="condition"><text class="condition-label">年龄要求</text><text class="condition-value">{{ product.age }}</text></view><view class="condition"><text class="condition-label">工作要求</text><text class="condition-value">{{ product.work }}</text></view><view class="condition"><text class="condition-label">信用要求</text><text class="condition-value">{{ product.credit }}</text></view></view>
 					<view class="detail-section"><text class="section-title">所需材料</text><text class="material">{{ product.materials }}</text></view>
-					<text class="product-note">额度、利率及申请条件仅供参考，以机构实际审批为准。{{ isDemo ? '当前可体验申请准备流程，尚未向机构提交资料。' : '' }}</text>
+					<text class="product-note">额度、利率及申请条件仅供参考，以机构实际审批为准。{{ isDemo ? '当前可准备申请资料，尚未向机构提交。' : '' }}</text>
 				</view>
 			</view>
 		</scroll-view>
@@ -62,6 +69,7 @@
 </script>
 
 <style>
+	.product-actions { flex-direction: row; justify-content: flex-end; margin-bottom: 12rpx; }
 	.share { color: #0868f7; font-size: 25rpx; padding: 16rpx 0 16rpx 16rpx; }
 	.product-content { padding: 24rpx 28rpx 60rpx; }
 	.bank-head { padding: 26rpx; border-radius: 18rpx; background-color: #fff; border: 1rpx solid #e6edf6; flex-direction: row; align-items: center; }

packages/finance/report/report.uvue

@@ -3,9 +3,9 @@
 		<AppHeader title="融资需求报告" />
 		<scroll-view scroll-y class="report-scroll" :style="contentStyle(96, false)">
 			<view class="report-content">
-				<view class="score-panel"><text class="score-label">综合评分 · 示例报告</text><view class="score-row"><text class="big-score">85</text><text class="score-unit">分</text><text class="score-badge">良好</text></view><text class="score-caption">从五个维度了解融资资质</text></view>
+				<view class="score-panel"><text class="score-label">综合评分</text><view class="score-row"><text class="big-score">85</text><text class="score-unit">分</text><text class="score-badge">良好</text></view><text class="score-caption">从五个维度了解融资资质</text></view>
 				<view class="radar-panel"><image class="radar-image" src="/packages/finance/static/finance-radar.png" mode="aspectFit"></image><text class="radar-label top">还款能力</text><text class="radar-label left">收入稳定</text><text class="radar-label right">信用状况</text><text class="radar-label bottom-left">资产条件</text><text class="radar-label bottom-right">负债情况</text></view>
-				<view class="conclusion"><text class="section-title">评估结论</text><text class="conclusion-text">示例资质整体良好，可进一步比较信用融资产品的额度、期限与还款安排。</text><view class="suggest-row"><text class="suggest-label">建议期限</text><text class="suggest-value">6–36个月</text></view><text class="report-note">本报告为体验示例，正式评估以授权资料和机构审核为准。</text></view>
+				<view class="conclusion"><text class="section-title">评估结论</text><text class="conclusion-text">可进一步比较信用融资产品的额度、期限与还款安排，结合自身需求选择合适方案。</text><view class="suggest-row"><text class="suggest-label">建议期限</text><text class="suggest-value">6–36个月</text></view><text class="report-note">报告内容仅供参考，实际融资结果以授权资料和机构审核为准。</text></view>
 				<button class="primary-button" @click="viewMatches">查看匹配方案</button>
 			</view>
 		</scroll-view>