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/services/api.uts

@@ -1,20 +1,10 @@
-import { setUserStorage } from '@/services/storage.uts'
 import { API_DEMO_ENABLED, API_BASE_URL, wait, requestJson } from '@/services/api.uts'
 import { demoProducts, parseProduct, FinanceProduct } from './finance.uts'
-import { assessmentApiPayload } from '@/services/assessment.uts'
+import { createAssessment } from './records.uts'
 export { API_BASE_URL } from '@/services/api.uts'
 
 export async function submitAssessment(payload: UTSJSONObject): Promise<string> {
-	const apiPayload = assessmentApiPayload(payload)
-	if (API_DEMO_ENABLED) {
-		await wait(650)
-		setUserStorage('latestAssessment', apiPayload)
-		return 'ASSESSMENT-DEMO-001'
-	}
-	const result = await requestJson('/assessments', 'POST', apiPayload)
-	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
+    return await createAssessment(payload)
 }
 
 export async function fetchMatches(): Promise<FinanceProduct[]> {