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/finance/assessment/assessment.uvue

@@ -3,7 +3,7 @@
 		<AppHeader :title="titles[step]" :customBack="true" @back="back" />
 		<scroll-view scroll-y :style="contentStyle(96, false)">
 			<view class="assessment-content">
-				<view class="progress-row"><view class="step-line"><view v-for="i in 5" :key="i" :class="i <= step + 1 ? 'step-segment done' : 'step-segment'"></view></view><text class="step-count">{{ step + 1 }}/5</text></view>
+				<text class="local-note">未提交内容不会保存，离开或刷新后需重新填写。</text><view class="progress-row"><view class="step-line"><view v-for="i in 5" :key="i" :class="i <= step + 1 ? 'step-segment done' : 'step-segment'"></view></view><text class="step-count">{{ step + 1 }}/5</text></view>
 				<view v-if="step == 0" class="type-row"><text class="type-label">融资类型</text><view class="type-switch"><text :class="assessmentType == 'personal' ? 'type-item type-active' : 'type-item'" @click="switchType('personal')">个人</text><text :class="assessmentType == 'enterprise' ? 'type-item type-active' : 'type-item'" @click="switchType('enterprise')">企业</text></view></view>
 				<text v-else class="section-hint">{{ assessmentType == 'enterprise' ? '企业信用融资' : '个人信用融资' }} · {{ step == 3 ? '资料与授权均为选填' : '请按实际情况填写' }}</text>
 				<view v-if="step == 0" class="form-list">
@@ -19,7 +19,7 @@
 				<view v-else-if="step == 1" class="form-list">
 					<template v-if="assessmentType == 'enterprise'">
 						<AssessmentSelect label="经营行业" v-model="form.occupation" :options="['商贸零售', '制造业', '科技服务', '餐饮住宿', '专业服务', '其他行业']" />
-						<AssessmentSelect label="经营年限" v-model="form.operatingYears" :options="['不足 1 年', '1–3 年', '3–5 年', '5 年以上']" />
+						<view class="form-row"><text class="field-label">经营月数</text><input v-model="form.operatingMonths" class="field-input" type="number" maxlength="4" placeholder="请输入实际经营月数" /></view>
 						<view class="form-row"><text class="field-label">年营收（万元）</text><input v-model="form.annualRevenue" class="field-input" type="digit" placeholder="请输入年营业收入" /></view>
 					</template>
 					<template v-else>
@@ -29,6 +29,14 @@
 						<AssessmentSelect label="社保缴纳" v-model="form.socialSecurity" :options="['连续缴纳 6 个月以上', '缴纳不足 6 个月', '未缴纳']" />
 						<AssessmentSelect label="公积金缴纳" v-model="form.housingFund" :options="['连续缴纳 6 个月以上', '缴纳不足 6 个月', '未缴纳']" />
 					</template>
+					<text class="asset-section-title">资金需求（必填）</text>
+					<text class="local-note">填写您期望的金额、期限和用途，不代表机构审批结果。</text>
+					<view class="form-row"><text class="field-label">融资金额</text><input v-model="form.requestedAmountWan" class="field-input" type="digit" maxlength="15" placeholder="请输入期望金额" /><text class="field-unit">万元</text></view>
+					<view class="form-row"><text class="field-label">融资期限</text><input v-model="form.requestedTermMonths" class="field-input" type="number" maxlength="4" placeholder="请输入整数月" /><text class="field-unit">个月</text></view>
+					<text v-if="purposesLoading" class="local-note">正在加载资金用途…</text>
+					<view v-else-if="purposeError.length > 0" class="purpose-error"><text class="local-note">{{ purposeError }}</text><button class="purpose-retry" @click="loadPurposes">重新加载用途</button></view>
+					<AssessmentSelect v-else label="资金用途" :modelValue="form.purposeLabel" @update:modelValue="purposeChanged" :options="purposeLabels" />
+					<view v-if="form.purposeCode == 'other'" class="purpose-detail"><text class="field-label">用途说明</text><textarea v-model="form.purposeDetail" class="purpose-textarea" maxlength="200" placeholder="请简述资金用途（2至200字）" /></view>
 				</view>
 				<view v-else-if="step == 2" class="form-list">
 					<text class="asset-section-title">贷款信息</text>
@@ -58,41 +66,65 @@
 </template>
 
 <script setup lang="uts">
-	import { getUserStorage, removeUserStorage } from '@/services/storage.uts'
+	import { getSession } from '@/services/api.uts'
 
 	import { wanAmountValid } from '@/services/money.uts'
+	import { FinancingPurpose, fetchFinancingPurposes, demandValidationMessage } from '@/services/assessment-demand.uts'
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
 	import AssessmentSelect from '@/packages/finance/components/AssessmentSelect.uvue'
-	import { AssessmentForm, SelectedDocument, DataAuthorization, emptyAssessmentForm, activeAssessmentType, loadAssessmentDraft, formFromDraft, documentsFromDraft, saveAssessmentDraft, showAgreementNotice, assetValidationMessage } from '@/services/assessment.uts'
+	import { AssessmentForm, SelectedDocument, DataAuthorization, emptyAssessmentForm, activeAssessmentType, getAssessmentInput, formFromInput, documentsFromInput, setAssessmentInput, showAgreementNotice, assetValidationMessage, clearAssessmentFlow } from '@/services/assessment.uts'
 	const { bottomStyle, contentStyle, pageStyle } = usePageLayout()
 	const showAgreement = (title: string) => { showAgreementNotice(title) }
 	const step = ref(0)
 	const assessmentType = ref('personal')
 	const form = ref<AssessmentForm>(emptyAssessmentForm())
+	let ownerToken = ''; let goingToConfirm = false
+	const sameOwner = (): boolean => { const session = getSession(); return session != null && session['token'] == ownerToken }
+	const purposes = ref<FinancingPurpose[]>([])
+	const purposesLoading = ref(false)
+	const purposeError = ref('')
+	const purposeLabels = computed((): string[] => purposes.value.filter((item) => item.type == assessmentType.value).map((item) => item.label))
+	const purposeChanged = (label: string) => {
+		const item = purposes.value.find((entry) => entry.type == assessmentType.value && entry.label == label)
+		if (item == null) return
+		form.value.purposeCode = item.code; form.value.purposeLabel = item.label
+		// 从其他用途切走时清空说明，避免提交隐藏的过期内容。
+		if (!item.requiresDetail) form.value.purposeDetail = ''
+	}
+	const loadPurposes = async () => {
+		if (purposesLoading.value) return
+		purposesLoading.value = true; purposeError.value = ''
+		try {
+			const items = await fetchFinancingPurposes()
+			if (sameOwner()) purposes.value = items
+		} catch (error) {
+			if (sameOwner()) purposeError.value = error instanceof Error ? error.message : '资金用途加载失败，请重试'
+		} finally { purposesLoading.value = false }
+	}
 	const customCity = ref('')
 	const cityChanged = (city: string) => { form.value.city = city; if (city != '其他城市') customCity.value = '' }
 	const documentConsent = ref(false)
 	const dataConsent = ref(false)
 	const documents = ref<SelectedDocument[]>([])
 	const authorizations = ref<DataAuthorization[]>([{ key: 'credit', name: '征信查询', selected: false }, { key: 'business', name: '经营数据', selected: false }, { key: 'fund', name: '公积金数据', selected: false }])
-	const titles = ['基本信息', '经营 / 收入信息', '资产 / 负债信息', '资料上传 / 授权']
+	const titles = ['基本信息', '收入与资金需求', '资产 / 负债信息', '资料上传 / 授权']
 	const uploadNames = computed((): string[] => assessmentType.value == 'enterprise' ? ['营业执照', '银行流水', '经营证明'] : ['身份证正面', '身份证反面', '银行卡', '收入证明'])
 	let initialized = false
-	const saveDraft = () => {
-		if (!initialized) return
+	const rememberInput = () => {
+		if (!initialized || !sameOwner()) return
 		const source = form.value
-		const draftForm: AssessmentForm = { name: source.name, idCard: source.idCard, phone: source.phone, city: source.city, maritalStatus: source.maritalStatus, occupation: source.occupation, company: source.company, monthlyIncome: source.monthlyIncome, socialSecurity: source.socialSecurity, housingFund: source.housingFund, house: source.house, car: source.car, savings: source.savings, creditCard: source.creditCard, otherAssets: source.otherAssets, creditLoanCount: source.creditLoanCount, totalDebtBalance: source.totalDebtBalance, monthlyLoanPayment: source.monthlyLoanPayment, creditCardCount: source.creditCardCount, creditCardTotalLimit: source.creditCardTotalLimit, creditCardUsedLimit: source.creditCardUsedLimit, enterpriseName: source.enterpriseName, businessCode: source.businessCode, annualRevenue: source.annualRevenue, operatingYears: source.operatingYears }
-		if (draftForm.city == '其他城市' && customCity.value.trim().length > 0) draftForm.city = customCity.value.trim()
-		saveAssessmentDraft(assessmentType.value, step.value, draftForm, documents.value, authorizations.value, documentConsent.value, dataConsent.value)
+		const currentForm: AssessmentForm = { name: source.name, idCard: source.idCard, phone: source.phone, city: source.city, maritalStatus: source.maritalStatus, occupation: source.occupation, company: source.company, monthlyIncome: source.monthlyIncome, socialSecurity: source.socialSecurity, housingFund: source.housingFund, house: source.house, car: source.car, savings: source.savings, creditCard: source.creditCard, otherAssets: source.otherAssets, creditLoanCount: source.creditLoanCount, totalDebtBalance: source.totalDebtBalance, monthlyLoanPayment: source.monthlyLoanPayment, creditCardCount: source.creditCardCount, creditCardTotalLimit: source.creditCardTotalLimit, creditCardUsedLimit: source.creditCardUsedLimit, enterpriseName: source.enterpriseName, businessCode: source.businessCode, annualRevenue: source.annualRevenue, operatingYears: source.operatingYears, operatingMonths: source.operatingMonths, requestedAmountWan: source.requestedAmountWan, requestedTermMonths: source.requestedTermMonths, purposeCode: source.purposeCode, purposeLabel: source.purposeLabel, purposeDetail: source.purposeDetail }
+		if (currentForm.city == '其他城市' && customCity.value.trim().length > 0) currentForm.city = customCity.value.trim()
+		setAssessmentInput(assessmentType.value, step.value, currentForm, documents.value, authorizations.value, documentConsent.value, dataConsent.value)
 	}
 	const restore = (type: string) => {
 		assessmentType.value = type; step.value = 0; form.value = emptyAssessmentForm(); customCity.value = ''; documents.value = []; documentConsent.value = false; dataConsent.value = false
 		authorizations.value.forEach((item) => { item.selected = false })
-		const saved = loadAssessmentDraft(type)
+		const saved = getAssessmentInput(type)
 		if (saved != null) {
-			form.value = formFromDraft(saved); documents.value = documentsFromDraft(saved)
+			form.value = formFromInput(saved); documents.value = documentsFromInput(saved)
 			const savedStep = saved['step']; if (typeof savedStep == 'number') step.value = Math.max(0, Math.min(3, savedStep as number))
 			documentConsent.value = saved['documentConsent'] == true; dataConsent.value = saved['dataConsent'] == true
 			const grants = saved['authorizations'] as string[] | null
@@ -100,27 +132,41 @@
 			if (form.value.city.length > 0 && !['深圳市', '广州市', '北京市', '上海市', '杭州市', '其他城市'].includes(form.value.city)) { customCity.value = form.value.city; form.value.city = '其他城市' }
 		}
 		initialized = true
-		saveDraft()
+		rememberInput()
 	}
-	const switchType = (type: string) => { if (assessmentType.value == type) return; saveDraft(); restore(type); step.value = 0; saveDraft() }
+	const switchType = (type: string) => { if (assessmentType.value == type) return; rememberInput(); restore(type); step.value = 0; rememberInput() }
 	onLoad((options) => {
+        const session = getSession()
+        if (session == null) { uni.redirectTo({ url: '/packages/account/login/login' }); return }
+        ownerToken = session['token'] as string
+        clearAssessmentFlow()
 		let type = activeAssessmentType()
 		if (options != null && (options['type'] == 'enterprise' || options['type'] == 'personal')) type = options['type'] as string
 		restore(type)
+		loadPurposes()
 	})
-	onShow(() => {
-		const requestedStep = getUserStorage('assessmentEditStep')
-		if (typeof requestedStep == 'number') { step.value = Math.max(0, Math.min(3, requestedStep as number)); removeUserStorage('assessmentEditStep'); saveDraft() }
-	})
-	onHide(() => saveDraft())
-	onUnload(() => saveDraft())
-	// 系统返回与顶部返回均先保存；页内返回优先回到上一步。
-	onBackPress((): boolean => { saveDraft(); if (step.value > 0) { step.value--; saveDraft(); return true }; return false })
-	const previous = () => { saveDraft(); if (step.value > 0) step.value--; saveDraft() }
-	const back = () => { if (step.value > 0) { previous(); return }; saveDraft(); if (getCurrentPages().length > 1) uni.navigateBack(); else uni.redirectTo({ url: '/packages/finance/entry/entry?type=' + assessmentType.value }) }
+    onShow(() => {
+        goingToConfirm = false
+        if (initialized && !sameOwner()) { initialized = false; form.value = emptyAssessmentForm(); clearAssessmentFlow(); uni.redirectTo({ url: '/packages/account/login/login' }) }
+        const input = getAssessmentInput(assessmentType.value)
+        if (initialized && input != null && typeof input['step'] == 'number') step.value = Math.max(0, Math.min(3, input['step'] as number))
+    })
+    // 离开填写流程即丢弃未提交内容；进入确认页时只在内存传递。
+    onHide(() => {
+        if (!goingToConfirm) {
+            clearAssessmentFlow(); form.value = emptyAssessmentForm(); step.value = 0; documents.value = []
+            customCity.value = ''; documentConsent.value = false; dataConsent.value = false
+            authorizations.value.forEach((item) => { item.selected = false })
+        }
+    })
+    onUnload(() => { initialized = false; clearAssessmentFlow() })
+	// 页内前后步骤只维护当前内存状态，返回入口后不保留填写内容。
+	onBackPress((): boolean => { rememberInput(); if (step.value > 0) { step.value--; rememberInput(); return true }; return false })
+	const previous = () => { rememberInput(); if (step.value > 0) step.value--; rememberInput() }
+	const back = () => { if (step.value > 0) { previous(); return }; rememberInput(); if (getCurrentPages().length > 1) uni.navigateBack(); else uni.redirectTo({ url: '/packages/finance/entry/entry?type=' + assessmentType.value }) }
 	const documentPath = (name: string): string => { const item = documents.value.find((file) => file.name == name); return item == null ? '' : item.path }
 	const documentExpired = (name: string) => {
-		documents.value = documents.value.filter((file) => file.name != name); saveDraft()
+		documents.value = documents.value.filter((file) => file.name != name); rememberInput()
 		uni.showToast({ title: name + '已失效，请重新选择', icon: 'none' })
 	}
 	const chooseDocument = (name: string) => {
@@ -128,7 +174,7 @@
 			if (result.tempFilePaths.length == 0) return
 			documents.value = documents.value.filter((file) => file.name != name)
 			const document: SelectedDocument = { name, path: result.tempFilePaths[0] }
-			documents.value.push(document); saveDraft()
+			documents.value.push(document); rememberInput()
 		}, fail: (error) => { if (!error.errMsg.includes('cancel')) uni.showToast({ title: '选择失败，请重试或检查相册权限', icon: 'none' }) } })
 	}
 	const documentAction = (name: string) => {
@@ -137,7 +183,7 @@
 		uni.showActionSheet({ itemList: ['预览图片', '重新选择', '移除资料'], success: (result) => {
 			if (result.tapIndex == 0) uni.previewImage({ urls: [path], fail: () => { uni.showToast({ title: '本地图片已失效，请重新选择', icon: 'none' }) } })
 			else if (result.tapIndex == 1) chooseDocument(name)
-			else if (result.tapIndex == 2) { documents.value = documents.value.filter((file) => file.name != name); saveDraft() }
+			else if (result.tapIndex == 2) { documents.value = documents.value.filter((file) => file.name != name); rememberInput() }
 		} })
 	}
 	const validateStep = (): boolean => {
@@ -153,6 +199,9 @@
 		if (step.value == 1) {
 			const amount = assessmentType.value == 'enterprise' ? form.value.annualRevenue : form.value.monthlyIncome
 			if (!wanAmountValid(amount) || parseFloat(amount) <= 0) message = assessmentType.value == 'enterprise' ? '请输入有效年营收（万元，最多六位小数）' : '请输入有效月收入（万元，最多六位小数）'
+			else if (purposesLoading.value || purposeError.value.length > 0) message = '请先加载资金用途后继续'
+			else if (!purposes.value.some((item) => item.type == assessmentType.value && item.code == form.value.purposeCode)) message = '请选择资金用途'
+			else message = demandValidationMessage(form.value.requestedAmountWan, form.value.requestedTermMonths, form.value.purposeCode, form.value.purposeDetail)
 		}
 		if (step.value == 2) message = assetValidationMessage(form.value)
 		if (step.value == 3 && documents.value.length > 0 && !documentConsent.value) message = '请阅读并同意资料使用协议，或移除资料'
@@ -160,7 +209,7 @@
 		if (message.length == 0) return true
 		uni.showToast({ title: message, icon: 'none' }); return false
 	}
-	const next = () => { if (!validateStep()) return; if (step.value < 3) { step.value++; saveDraft() } else { saveDraft(); uni.navigateTo({ url: '/packages/finance/confirm/confirm' }) } }
+	const next = () => { if (!validateStep()) return; if (step.value < 3) { step.value++; rememberInput() } else { rememberInput(); goingToConfirm = true; uni.navigateTo({ url: '/packages/finance/confirm/confirm', fail: () => { goingToConfirm = false } }) } }
 </script>
 
 <style>
@@ -182,6 +231,9 @@
 	.form-row { min-height: 106rpx; flex-direction: row; align-items: center; border-bottom: 1rpx solid #edf1f6; }
 	.field-label { font-size: 28rpx; color: #29374e; margin-right: 18rpx; flex-shrink: 0; }
 	.field-input { flex: 1; min-width: 0; text-align: right; font-size: 27rpx; color: #22324a; }
+	.purpose-detail { margin-top: 26rpx; }
+	.purpose-textarea { width: 100%; height: 150rpx; margin-top: 16rpx; padding: 18rpx; border-radius: 12rpx; background-color: #f5f7fb; font-size: 26rpx; color: #22324a; }
+	.purpose-retry { margin: 14rpx 0; font-size: 24rpx; color: #0868f7; background-color: #eff6ff; }
 	.upload-title { font-size: 30rpx; font-weight: 600; color: #20304a; margin-top: 28rpx; }
 	.optional { font-size: 24rpx; color: #748198; font-weight: 400; }
 	.upload-desc { font-size: 24rpx; line-height: 36rpx; color: #748198; margin-top: 10rpx; }