refactor: 重构项目分包结构与资源管理

1.  调整页面路由，将业务页面迁移到对应分包，主包仅保留首页
2.  拆分公共服务模块，将账户、融资相关逻辑移入对应分包
3.  统一资源路径，将专属静态资源放入各分包static目录，更新导航栏图标资源
4.  修复启动引导逻辑，实现仅首次冷启动显示引导页
5.  更新README文档，补充分包配置与开发规范说明

packages/finance/services/api.uts

@@ -0,0 +1,47 @@
+import { API_BASE_URL, wait, requestJson } from '@/services/api.uts'
+import { demoProducts, parseProduct, FinanceProduct } from './finance.uts'
+export { API_BASE_URL } from '@/services/api.uts'
+
+export async function submitAssessment(payload: UTSJSONObject): Promise<string> {
+	if (API_BASE_URL.length == 0) {
+		await wait(650)
+		uni.setStorageSync('latestAssessment', payload)
+		return 'ASSESSMENT-DEMO-001'
+	}
+	const result = await requestJson('/assessments', 'POST', payload)
+	const id = result['id'] as string | null
+	if (id == null || id.length == 0) throw new Error('评估提交成功但未返回编号')
+	return id
+}
+
+export async function fetchMatches(): Promise<FinanceProduct[]> {
+	if (API_BASE_URL.length == 0) {
+		await wait(320)
+		return demoProducts.slice()
+	}
+	const result = await requestJson('/matches', 'GET', new UTSJSONObject())
+	const items = result['items'] as UTSJSONObject[] | null
+	return items == null ? [] : items.map((item: UTSJSONObject): FinanceProduct => parseProduct(item))
+}
+
+export async function fetchProduct(id: string): Promise<FinanceProduct | null> {
+	if (API_BASE_URL.length == 0) {
+		await wait(180)
+		const products = demoProducts.filter((item: FinanceProduct): boolean => item.id == id)
+		return products.length > 0 ? products[0] : null
+	}
+	const result = await requestJson('/products/' + encodeURIComponent(id), 'GET', new UTSJSONObject())
+	return parseProduct(result)
+}
+
+export async function sendAssistantMessage(message: string): Promise<string> {
+	if (API_BASE_URL.length == 0) {
+		await wait(600)
+		return '结合您的评估结果，建议优先选择年化利率较低、可随借随还的产品，并重点确认提前还款规则。'
+	}
+	const result = await requestJson('/assistant/messages', 'POST', { message })
+	const reply = result['reply'] as string | null
+	if (reply == null || reply.length == 0) throw new Error('助手暂时没有返回内容')
+	return reply
+}
+