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

services/api.uts

@@ -1,5 +1,4 @@
-/** Mobile API adapter with deterministic local mocks. */
-import { demoProducts, parseProduct, FinanceProduct } from '@/services/finance.uts'
+/** Shared request, configuration and session infrastructure. */
 export const API_BASE_URL = ''
 const REQUEST_TIMEOUT = 10000
 const SESSION_KEY = 'aiFinanceSession'
@@ -54,79 +53,4 @@ const requestJson = (path: string, method: RequestMethod, payload: UTSJSONObject
 	})
 }
 
-export async function requestSmsCode(phone: string): Promise<boolean> {
-	if (API_BASE_URL.length == 0) {
-		await wait(350)
-		return phone.length == 11
-	}
-	await requestJson('/auth/sms-code', 'POST', { phone })
-	return true
-}
-
-export async function loginWithSms(phone: string, code: string): Promise<string> {
-	if (API_BASE_URL.length == 0) {
-		await wait(300)
-		if (code.length != 6) throw new Error('验证码应为 6 位数字')
-		return 'demo-sms-token'
-	}
-	const result = await requestJson('/auth/sms-login', 'POST', { phone, code })
-	const token = result['token'] as string | null
-	if (token == null || token.length == 0) throw new Error('登录响应缺少 token')
-	return token
-}
-
-export async function loginWithPassword(phone: string, password: string): Promise<string> {
-	if (API_BASE_URL.length == 0) {
-		await wait(300)
-		return 'demo-password-token'
-	}
-	const result = await requestJson('/auth/password-login', 'POST', { phone, password })
-	const token = result['token'] as string | null
-	if (token == null || token.length == 0) throw new Error('登录响应缺少 token')
-	return token
-}
-
-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
-}
-
-export { apiMessage }
+export { apiMessage, requestJson, wait }