feat: 重构评估流程为内存状态管理并接入真实提交与报告接口

本次重构将评估草稿改为内存状态管理，移除本地存储草稿，新增评估流程内存状态模块；接入真实的账户资料获取、头像上传接口，新增账户缓存清理逻辑；重构评估提交逻辑，接入真实提交接口并返回评估ID；新增分析页和报告页的真实状态查询、报告获取功能；更新README文档，记录开发进度和接口状态。

packages/account/profile/profile.uvue

@@ -4,7 +4,7 @@
 		<scroll-view scroll-y :style="contentStyle(226, false)">
 			<view class="profile-content">
 				<view class="profile-card" @click="openAccount"><view class="avatar"><image class="profile-avatar" :src="avatar.length > 0 ? avatar : DEFAULT_AVATAR" mode="aspectFill" @error="avatar = ''" /></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 v-if="!loggedIn" class="account-state">未登录</text><AppIcon v-if="loggedIn" name="chevron-right" :size="28" /></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="stat-row"><view class="stat-item" @click="go('/packages/finance/archive/archive')"><text class="stat-value">查看</text><text class="stat-label">评估记录</text></view><view class="stat-item" @click="openReport"><text class="stat-value">查看</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>
 				<text class="version-note">AI融资 · 让融资更简单</text>
@@ -15,7 +15,7 @@
 </template>
 
 <script setup lang="uts">
-	import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+
 
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
@@ -23,8 +23,8 @@
 	import AppIcon from '@/components/AppIcon.uvue'
 	import { getSession } from '@/services/api.uts'
 	import { logoutAccount } from '@/packages/account/services/auth.uts'
-	import { activeAssessmentType, assessmentProgress, showAgreementNotice } from '@/services/assessment.uts'
-	import { DEFAULT_AVATAR, getAccountProfile, maskPhone } from '@/packages/account/services/account.uts'
+	import { showAgreementNotice } from '@/services/assessment.uts'
+	import { DEFAULT_AVATAR, getAccountProfile, fetchAccountProfile, maskPhone } from '@/packages/account/services/account.uts'
 	const { contentStyle, pageStyle } = usePageLayout()
 	type ProfileMenu = { icon: string, name: string, note: string, key: string }
 	const menus: ProfileMenu[] = [{ icon: 'archive', name: '我的融资档案', note: '', key: 'archive' }, { icon: 'shield', name: '账户安全', note: '', key: 'security' }, { icon: 'privacy', name: '隐私与授权', note: '', key: 'privacy' }, { icon: 'help', name: '帮助与反馈', note: '', key: 'help' }, { icon: 'info', name: '关于我们', note: 'V1.0.0', key: 'about' }]
@@ -32,32 +32,29 @@
 	const displayName = ref('登录 / 注册')
 	const maskedPhone = ref('')
 	const avatar = ref('')
-	const completion = ref(0)
-	const hasReport = ref(false)
 	onShow(() => {
 		const session = getSession()
 		loggedIn.value = session != null
 		const profile = getAccountProfile()
 		maskedPhone.value = maskPhone(profile.phone); avatar.value = loggedIn.value ? profile.avatar : ''
-		const type = activeAssessmentType()
 		displayName.value = loggedIn.value ? profile.nickname : '登录 / 注册'
-		completion.value = assessmentProgress(type).percent
-		const latest = getUserStorage('latestAssessment')
-		hasReport.value = latest != null && typeof latest == 'object'
+        if (loggedIn.value) fetchAccountProfile().then((fresh) => {
+            displayName.value = fresh.nickname; avatar.value = fresh.avatar; maskedPhone.value = maskPhone(fresh.phone)
+        }).catch(() => { /* 读取失败保留已归属当前账户的缓存，不显示其他账户资料。 */ })
 	})
 	const go = (url: string) => { uni.navigateTo({ url }) }
-	const openReport = () => { if (hasReport.value) go('/packages/finance/report/report'); else uni.showModal({ title: '暂无评估报告', content: '完善融资信息后，即可体验融资评估与方案匹配。', confirmText: '去完善', success: (result) => { if (result.confirm) go('/packages/finance/archive/archive') } }) }
+	const openReport = () => { go('/packages/finance/archive/archive') }
 	const open = (key: string) => {
 		if (key == 'archive') go('/packages/finance/archive/archive')
 		else if (key == 'help') go('/packages/content/help/help')
 		else if (key == 'security') go(loggedIn.value ? '/packages/account/security/security' : '/packages/account/login/login')
-		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) { setUserStorage('assessmentEditStep', 3); go('/packages/finance/assessment/assessment?type=' + activeAssessmentType()) } } })
+		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) { go('/packages/finance/archive/archive') } } })
 		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 = () => { go(loggedIn.value ? '/packages/account/edit-profile/edit-profile' : '/packages/account/login/login') }
 	const logout = () => {
 		if (!loggedIn.value) { go('/packages/account/login/login'); return }
-        uni.showModal({ title: '退出登录', content: '退出后，本机保存的评估草稿仍会保留。', confirmText: '退出登录', success: (result) => { if (result.confirm) {
+        uni.showModal({ title: '退出登录', content: '将清除本机账户缓存和未提交的填写内容，已提交的评估记录不受影响。', confirmText: '退出登录', success: (result) => { if (result.confirm) {
             logoutAccount().then(() => { uni.reLaunch({ url: '/packages/account/login/login' }) })
                 .catch(() => { uni.showToast({ title: '退出失败，请检查网络后重试', icon: 'none' }) })
         } }, fail: (error) => { console.error('logout confirmation failed', error); uni.showToast({ title: '暂时无法打开确认框，请重试', icon: 'none' }) } })