refactor: 重构存储与接口适配，统一金额单位与会话管理

- 新增配置、存储、金额转换工具服务
- 按userId隔离本地缓存，替换旧设备级存储
- 统一移动端金额单位为万元，新增转换适配逻辑
- 重构认证与请求逻辑，支持真实后端会话
- 调整搜索、帮助、融资模块的模拟开关与数据适配
- 更新文档说明开发状态与配置规则

packages/account/login/login.uvue

@@ -24,12 +24,12 @@
 <script setup lang="uts">
 	import { usePageLayout } from '@/services/layout.uts'
 	import BrandLogo from '@/components/BrandLogo.uvue'
-	import { API_BASE_URL, requestSmsCode, loginWithSms, loginWithPassword, saveSession } from '@/packages/account/services/auth.uts'
+	import { API_BASE_URL, requestSmsCode, loginWithSms, loginWithPassword } from '@/packages/account/services/auth.uts'
 	import { showAgreementNotice } from '@/services/assessment.uts'
 	import { consumeInitialLaunch } from '@/services/launch.uts'
 	onLoad(() => { consumeInitialLaunch() })
 	const { statusStyle, contentStyle, pageStyle } = usePageLayout()
-	const mode = ref('phone')
+	const mode = ref('password')
 	const phone = ref('')
 	const password = ref('')
 	const smsCode = ref('')
@@ -58,7 +58,7 @@
 			if (countdown.value <= 1) { countdown.value = 0; clearInterval(countdownTimer) } else countdown.value -= 1
 		}, 1000)
 	}
-	const finishLogin = (token: string) => { saveSession(token, phone.value); uni.redirectTo({ url: '/pages/home/home' }) }
+	const finishLogin = (_token: string) => { uni.redirectTo({ url: '/pages/home/home' }) }
 	const resendSms = async () => {
 		if (loading.value || countdown.value > 0 || !validPhone()) return
 		if (!agreed.value) { errorMessage.value = '请先阅读并勾选用户协议与隐私政策'; return }

packages/account/messages/messages.uvue

@@ -19,6 +19,8 @@
 </template>
 
 <script setup lang="uts">
+	import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import BottomNav from '@/components/BottomNav.uvue'
@@ -36,14 +38,14 @@
 	const unreadCount = computed((): number => notices.value.filter((item: Notice): boolean => item.unread).length)
 	onShow(() => {
 		notices.value.forEach((item: Notice): void => {
-			if (uni.getStorageSync('finance.notice.read.' + item.id) == true) item.unread = false
+			if (getUserStorage('finance.notice.read.' + item.id) == true) item.unread = false
 		})
 	})
 	const markRead = (id: string): void => {
 		const item = notices.value.find((value: Notice): boolean => value.id == id)
 		if (item == null) return
 		item.unread = false
-		uni.setStorageSync('finance.notice.read.' + id, true)
+		setUserStorage('finance.notice.read.' + id, true)
 	}
 	const openNotice = (item: Notice): void => {
 		markRead(item.id)

packages/account/points/points.uvue

@@ -32,6 +32,8 @@
 </template>
 
 <script setup lang="uts">
+	import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
@@ -58,7 +60,7 @@
 	}
 	const restore = (): void => {
 		today.value = localDate()
-		const stored = uni.getStorageSync('finance.points.checkin.days')
+		const stored = getUserStorage('finance.points.checkin.days')
 		if (typeof stored != 'string' || stored == '') { signDays.value = []; return }
 		const restored = (stored as string).split(',')
 		const unique: string[] = []
@@ -71,7 +73,7 @@
 		if (signedToday.value) { uni.showToast({ title: '今天已签到，明天再来', icon: 'none' }); return }
 		const next = signDays.value.slice()
 		next.unshift(today.value)
-		uni.setStorageSync('finance.points.checkin.days', next.join(','))
+		setUserStorage('finance.points.checkin.days', next.join(','))
 		signDays.value = next
 		recordsExpanded.value = true
 		uni.showToast({ title: '签到完成，体验积分 +10', icon: 'none' })

packages/account/profile/profile.uvue

@@ -15,11 +15,14 @@
 </template>
 
 <script setup lang="uts">
+	import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import BottomNav from '@/components/BottomNav.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
-	import { clearSession, getSession } from '@/services/api.uts'
+	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'
 	const { contentStyle, pageStyle } = usePageLayout()
@@ -39,7 +42,7 @@
 		const type = activeAssessmentType()
 		displayName.value = loggedIn.value ? profile.nickname : '登录 / 注册'
 		completion.value = assessmentProgress(type).percent
-		const latest = uni.getStorageSync('latestAssessment')
+		const latest = getUserStorage('latestAssessment')
 		hasReport.value = latest != null && typeof latest == 'object'
 	})
 	const go = (url: string) => { uni.navigateTo({ url }) }
@@ -48,13 +51,16 @@
 		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) { uni.setStorageSync('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) { setUserStorage('assessmentEditStep', 3); go('/packages/finance/assessment/assessment?type=' + activeAssessmentType()) } } })
 		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) { clearSession(); uni.reLaunch({ url: '/packages/account/login/login' }) } } })
+        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) {
+            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' }) } })
 	}
 </script>
 

packages/account/services/account.uts

@@ -1,4 +1,5 @@
-import { API_BASE_URL, getSession } from '@/services/api.uts'
+import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+import { API_BASE_URL, getSession, requestJson } from '@/services/api.uts'
 import { activeAssessmentType, loadAssessmentDraft, draftText } from '@/services/assessment.uts'
 
 export type AccountProfile = { nickname: string, avatar: string, phone: string }
@@ -23,7 +24,7 @@ export function getAccountProfile(): AccountProfile {
 	const phone = session == null ? '' : draftText(session, 'phone')
 	let nickname = '融资用户'; let avatar = ''
 	if (phone.length > 0) {
-		const saved = uni.getStorageSync(profileKey(phone))
+		const saved = getUserStorage(profileKey(phone))
 		if (saved != null && typeof saved == 'object') {
 			nickname = draftText(saved as UTSJSONObject, 'nickname'); avatar = draftText(saved as UTSJSONObject, 'avatar')
 		} else {
@@ -35,19 +36,9 @@ export function getAccountProfile(): AccountProfile {
 }
 
 // 安全接口必须经过服务端认证。未配置服务时不模拟验证或修改成功。
-function accountRequest(path: string, method: RequestMethod, payload: UTSJSONObject): Promise<UTSJSONObject> {
-	return new Promise<UTSJSONObject>((resolve, reject) => {
-		const session = requireAccount()
-		if (API_BASE_URL.length == 0) { reject(new Error('账户服务暂未开放，请稍后再试')); return }
-		uni.request({ url: API_BASE_URL + path, method, data: payload, header: { Authorization: 'Bearer ' + draftText(session, 'token') }, timeout: 10000,
-			success: (response) => {
-				if (!sameAccount(session)) { reject(new Error('登录状态已变化，请重新进入页面')); return }
-				if (response.statusCode == 401) { reject(new Error('登录已失效，请重新登录')); return }
-				if (response.statusCode < 200 || response.statusCode >= 300) { reject(new Error('操作失败，请核对信息后重试')); return }
-				resolve(response.data == null ? new UTSJSONObject() : response.data as UTSJSONObject)
-			}, fail: () => reject(new Error('网络连接失败，请稍后重试'))
-		})
-	})
+async function accountRequest(path: string, method: RequestMethod, payload: UTSJSONObject): Promise<UTSJSONObject> {
+    requireAccount()
+    return await requestJson(path, method, payload)
 }
 export async function saveAccountProfile(nickname: string, avatar: string): Promise<void> {
 	const session = requireAccount(); const phone = draftText(session, 'phone')
@@ -55,7 +46,7 @@ export async function saveAccountProfile(nickname: string, avatar: string): Prom
 	if (name.length < 2 || name.length > 20) throw new Error('昵称请输入 2–20 个字符')
 	if (API_BASE_URL.length > 0) await accountRequest('/account/profile', 'PUT', { nickname: name, avatar })
 	if (!sameAccount(session)) throw new Error('登录状态已变化，请重新进入页面')
-	uni.setStorageSync(profileKey(phone), { nickname: name, avatar })
+	setUserStorage(profileKey(phone), { nickname: name, avatar })
 }
 export async function requestSecurityCode(purpose: string, newPhone: string): Promise<void> {
 	if (!['password', 'phone-current', 'phone-new'].includes(purpose)) throw new Error('验证码用途无效')

packages/account/services/auth.uts

@@ -1,35 +1,40 @@
-import { API_BASE_URL, wait, requestJson } from '@/services/api.uts'
-export { API_BASE_URL, saveSession } from '@/services/api.uts'
+import { API_BASE_URL, requestJson, saveSession, clearSession, getSession } from '@/services/api.uts'
+export { API_BASE_URL } from '@/services/api.uts'
+import { setUserStorage } from '@/services/storage.uts'
 
 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
+    await requestJson('/auth/sms-code', 'POST', { phone, purpose: 'login' })
+    return true
+}
+
+function acceptSession(result: UTSJSONObject, phone: string): string {
+    const token = result['token'] as string | null
+    const userId = result['userId'] as string | null
+    const expiresAt = result['expiresAt'] as string | null
+    if (token == null || userId == null || expiresAt == null) throw new Error('登录响应缺少会话信息')
+    saveSession(token, phone, userId, expiresAt)
+    const profile = result['profile'] as UTSJSONObject | null
+    if (profile != null) setUserStorage('finance.account.profile:' + phone, { nickname: profile['nickname'], avatar: profile['avatarUrl'] ?? '' })
+    return token
 }
 
 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
+    return acceptSession(await requestJson('/auth/sms-login', 'POST', { phone, code }), phone)
 }
 
 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
+    return acceptSession(await requestJson('/auth/password-login', 'POST', { phone, password }), phone)
 }
 
+export async function logoutAccount(): Promise<void> {
+    const session = getSession()
+    if (session == null) { clearSession(); return }
+    try {
+        await requestJson('/auth/logout', 'POST', {})
+    } catch (error) {
+        // 401已清理会话，视为退出完成；网络失败保留会话以便重试撤销。
+        if (getSession() != null) throw error
+    }
+    const current = getSession()
+    if (current == null || current['token'] == session['token']) clearSession()
+}

packages/content/lesson/lesson.uvue

@@ -29,6 +29,8 @@
 </template>
 
 <script setup lang="uts">
+	import { getUserStorage, setUserStorage } from '@/services/storage.uts'
+
 	import { usePageLayout } from '@/services/layout.uts'
 	import { financeLessons, findFinanceLesson, FinanceLesson } from '@/packages/content/services/content.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
@@ -41,7 +43,7 @@
 	const scrollTarget = ref('')
 	const storageKey = (index: number): string => 'finance.lesson.' + lesson.value.id + '.chapter.' + index
 	const restoreProgress = (): void => {
-		completed.value = lesson.value.chapters.map((_item, index): boolean => uni.getStorageSync(storageKey(index)) == true)
+		completed.value = lesson.value.chapters.map((_item, index): boolean => getUserStorage(storageKey(index)) == true)
 	}
 	const completedCount = computed((): number => completed.value.filter((value: boolean): boolean => value).length)
 	const progress = computed((): number => Math.round(completedCount.value * 100 / lesson.value.chapters.length))
@@ -59,7 +61,7 @@
 	})
 	const toggleChapter = (index: number): void => { activeIndex.value = activeIndex.value == index ? -1 : index }
 	const completeChapter = (index: number): void => {
-		uni.setStorageSync(storageKey(index), true)
+		setUserStorage(storageKey(index), true)
 		const next = completed.value.slice()
 		next[index] = true
 		completed.value = next

packages/content/services/help.uts

@@ -1,4 +1,4 @@
-import { API_BASE_URL, requestJson } from '@/services/api.uts'
+import { API_DEMO_ENABLED, API_BASE_URL, requestJson } from '@/services/api.uts'
 
 export type HelpQuestion = { id: string, category: string, question: string, answer: string }
 export const helpCategories: string[] = ['账户使用', '融资评估', '资料与隐私']
@@ -8,13 +8,13 @@ const questions: HelpQuestion[] = [
 	{ id: 'phone', category: '账户使用', question: '如何更换绑定手机号？', answer: '进入“我的 → 账户安全 → 绑定手机号”，填写新手机号，并分别验证当前号码与新号码。换绑成功后使用新号码登录。如果原号码无法接收短信，需要通过官方客服核验身份。' },
 	{ id: 'assessment', category: '融资评估', question: '如何开始融资评估？', answer: '从首页选择个人或企业融资入口，依次填写基本信息、收入或经营信息、资产与负债情况，再核对并确认。已有资料可在“我的融资档案”中继续完善。' },
 	{ id: 'result', category: '融资评估', question: '评估结果是否代表贷款已经获批？', answer: '不代表。评估结果用于帮助了解融资需求和方案，不是金融机构的授信或放款承诺。实际额度、利率、审批与放款结果，以相关机构的审核和合同为准。' },
-	{ id: 'amount', category: '融资评估', question: '资产与负债信息应该怎么填写？', answer: '信用贷款笔数、信用卡张数填写非负整数，没有则填 0。欠款余额、月还款金额、信用卡额度与已使用额度以元填写，最多保留两位小数；房产、车辆按实际情况选择“有”或“无”。' },
+	{ id: 'amount', category: '融资评估', question: '资产与负债信息应该怎么填写？', answer: '信用贷款笔数、信用卡张数填写非负整数，没有则填 0。欠款余额、月还款金额、信用卡额度与已使用额度统一以万元填写，最多保留六位小数，最高 99999.999999 万元；房产、车辆按实际情况选择“有”或“无”。' },
 	{ id: 'files', category: '资料与隐私', question: '选择资料或勾选授权会立即上传、查询吗？', answer: '当前选择的资料仅用于本机预览，勾选授权仅保存您的选择，不会自动上传资料或查询外部数据。使用相关服务前，请确认授权对象、用途和范围。' },
 	{ id: 'draft', category: '资料与隐私', question: '退出登录后，填写的资料还在吗？', answer: '退出登录会结束当前会话，本机保存的评估草稿仍会保留。个人与企业评估分别保存。清理应用数据、更换设备或卸载应用可能使本地资料丢失，请勿将本机草稿视为云端备份。' }
 ]
 
 export async function fetchHelpQuestions(): Promise<HelpQuestion[]> {
-	if (API_BASE_URL.length == 0) return questions.slice()
+	if (API_DEMO_ENABLED) return questions.slice()
 	const response = await requestJson('/help/faqs', 'GET', {})
 	const items = response['items'] as UTSJSONObject[] | null
 	if (items == null) throw new Error('帮助内容加载失败')

packages/content/services/search.uts

@@ -1,4 +1,4 @@
-import { API_BASE_URL, requestJson } from '@/services/api.uts'
+import { API_DEMO_ENABLED, API_BASE_URL, requestJson } from '@/services/api.uts'
 import { newsArticles, financeLessons, ContentSection } from './content.uts'
 
 export type ContentSearchResult = {
@@ -14,7 +14,7 @@ export async function searchContent(keyword: string, type: string): Promise<Cont
 	const query = keyword.trim().replace(/\s+/g, ' ')
 	const results: ContentSearchResult[] = []
 	if (query.length == 0) return results
-	if (API_BASE_URL.length > 0) {
+	if (!API_DEMO_ENABLED) {
 		const response = await requestJson('/content/search', 'GET', { keyword: query, type })
 		const items = response['items'] as UTSJSONObject[] | null
 		if (items == null) throw new Error('搜索结果加载失败，请重试')

packages/finance/archive/archive.uvue

@@ -12,6 +12,8 @@
 </template>
 
 <script setup lang="uts">
+	import { setUserStorage } from '@/services/storage.uts'
+
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
@@ -28,8 +30,8 @@
 	])
 	const refresh = () => { progress.value = assessmentProgress(type.value) }
 	onShow(() => { type.value = activeAssessmentType(); refresh() })
-	const switchType = (next: string) => { type.value = next; uni.setStorageSync('assessmentActiveType', next); refresh() }
-	const edit = (step: number) => { uni.setStorageSync('assessmentEditStep', step); uni.navigateTo({ url: '/packages/finance/assessment/assessment?type=' + type.value }) }
+	const switchType = (next: string) => { type.value = next; setUserStorage('assessmentActiveType', next); refresh() }
+	const edit = (step: number) => { setUserStorage('assessmentEditStep', step); uni.navigateTo({ url: '/packages/finance/assessment/assessment?type=' + type.value }) }
 	const complete = () => {
 		if (progress.value.percent == 100) uni.navigateTo({ url: '/packages/finance/confirm/confirm' })
 		else if (!progress.value.basicDone) edit(0)

packages/finance/assessment/assessment.uvue

@@ -25,7 +25,7 @@
 					<template v-else>
 						<AssessmentSelect label="职业类型" v-model="form.occupation" :options="['企业职员', '事业单位', '公务员', '个体经营', '自由职业', '其他']" />
 						<view class="form-row"><text class="field-label">工作单位</text><input v-model="form.company" class="field-input" placeholder="请输入工作单位" /></view>
-						<view class="form-row"><text class="field-label">月收入（元）</text><input v-model="form.monthlyIncome" class="field-input" type="digit" placeholder="请输入月收入" /></view>
+						<view class="form-row"><text class="field-label">月收入（万元）</text><input v-model="form.monthlyIncome" class="field-input" type="digit" placeholder="请输入月收入" /></view>
 						<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>
@@ -33,12 +33,12 @@
 				<view v-else-if="step == 2" class="form-list">
 					<text class="asset-section-title">贷款信息</text>
 					<view class="form-row"><text class="field-label">信用贷款笔数</text><input v-model="form.creditLoanCount" class="field-input" type="number" maxlength="4" placeholder="无则填 0" /><text class="field-unit">笔</text></view>
-					<view class="form-row"><text class="field-label">欠款总余额</text><input v-model="form.totalDebtBalance" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">元</text></view>
-					<view class="form-row"><text class="field-label">贷款月还款金额</text><input v-model="form.monthlyLoanPayment" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">元</text></view>
+					<view class="form-row"><text class="field-label">欠款总余额</text><input v-model="form.totalDebtBalance" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">万元</text></view>
+					<view class="form-row"><text class="field-label">贷款月还款金额</text><input v-model="form.monthlyLoanPayment" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">万元</text></view>
 					<text class="asset-section-title">信用卡信息</text>
 					<view class="form-row"><text class="field-label">银行信用卡张数</text><input v-model="form.creditCardCount" class="field-input" type="number" maxlength="4" placeholder="无则填 0" /><text class="field-unit">张</text></view>
-					<view class="form-row"><text class="field-label">总额度</text><input v-model="form.creditCardTotalLimit" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">元</text></view>
-					<view class="form-row"><text class="field-label">已使用总额度</text><input v-model="form.creditCardUsedLimit" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">元</text></view>
+					<view class="form-row"><text class="field-label">总额度</text><input v-model="form.creditCardTotalLimit" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">万元</text></view>
+					<view class="form-row"><text class="field-label">已使用总额度</text><input v-model="form.creditCardUsedLimit" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">万元</text></view>
 					<text class="asset-section-title">房车信息</text>
 					<AssessmentSelect label="是否有房" v-model="form.house" :options="['有', '无']" />
 					<AssessmentSelect label="是否有车" v-model="form.car" :options="['有', '无']" />
@@ -58,6 +58,9 @@
 </template>
 
 <script setup lang="uts">
+	import { getUserStorage, removeUserStorage } from '@/services/storage.uts'
+
+	import { wanAmountValid } from '@/services/money.uts'
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
@@ -75,7 +78,7 @@
 	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 uploadNames = computed((): string[] => assessmentType.value == 'enterprise' ? ['营业执照', '银行流水', '经营证明'] : ['身份证正面', '银行卡', '收入证明'])
+	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
@@ -106,8 +109,8 @@
 		restore(type)
 	})
 	onShow(() => {
-		const requestedStep = uni.getStorageSync('assessmentEditStep')
-		if (typeof requestedStep == 'number') { step.value = Math.max(0, Math.min(3, requestedStep as number)); uni.removeStorageSync('assessmentEditStep'); saveDraft() }
+		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())
@@ -149,7 +152,7 @@
 		}
 		if (step.value == 1) {
 			const amount = assessmentType.value == 'enterprise' ? form.value.annualRevenue : form.value.monthlyIncome
-			if (!/^[0-9]+([.][0-9]{1,2})?$/.test(amount) || parseFloat(amount) <= 0) message = assessmentType.value == 'enterprise' ? '请输入有效的年营业收入' : '请输入有效的月收入'
+			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）'
 		}
 		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'

packages/finance/confirm/confirm.uvue

@@ -16,6 +16,9 @@
 </template>
 
 <script setup lang="uts">
+	import { setUserStorage } from '@/services/storage.uts'
+
+	import { wanAmountValid } from '@/services/money.uts'
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import { submitAssessment } from '@/packages/finance/services/api.uts'
@@ -53,7 +56,7 @@
 		const incomeRows: InfoRow[] = enterprise ? [
 			{ label: '经营行业', value: displayValue(saved, 'occupation') }, { label: '经营年限', value: displayValue(saved, 'operatingYears') }, { label: '年营业收入', value: draftText(saved, 'annualRevenue').length > 0 ? draftText(saved, 'annualRevenue') + ' 万元' : '未填写' }
 		] : [
-			{ label: '职业类型', value: displayValue(saved, 'occupation') }, { label: '月收入', value: draftText(saved, 'monthlyIncome').length > 0 ? draftText(saved, 'monthlyIncome') + ' 元' : '未填写' }, { label: '工作单位', value: displayValue(saved, 'company') }, { label: '社保缴纳', value: displayValue(saved, 'socialSecurity') }, { label: '公积金缴纳', value: displayValue(saved, 'housingFund') }
+			{ label: '职业类型', value: displayValue(saved, 'occupation') }, { label: '月收入', value: draftText(saved, 'monthlyIncome').length > 0 ? draftText(saved, 'monthlyIncome') + ' 万元' : '未填写' }, { label: '工作单位', value: displayValue(saved, 'company') }, { label: '社保缴纳', value: displayValue(saved, 'socialSecurity') }, { label: '公积金缴纳', value: displayValue(saved, 'housingFund') }
 		]
 		const files = documentsFromDraft(saved)
 		const fileNames = files.map((file) => file.name).join('、')
@@ -65,11 +68,11 @@
 			{ title: enterprise ? '经营信息' : '职业与收入', step: 1, rows: incomeRows, expanded: false },
 			{ title: '资产与负债', step: 2, rows: [
 				{ label: '信用贷款笔数', value: valueWithUnit(saved, 'creditLoanCount', '笔') },
-				{ label: '欠款总余额', value: valueWithUnit(saved, 'totalDebtBalance', '元') },
-				{ label: '贷款月还款金额', value: valueWithUnit(saved, 'monthlyLoanPayment', '元') },
+				{ label: '欠款总余额', value: valueWithUnit(saved, 'totalDebtBalance', '万元') },
+				{ label: '贷款月还款金额', value: valueWithUnit(saved, 'monthlyLoanPayment', '万元') },
 				{ label: '银行信用卡张数', value: valueWithUnit(saved, 'creditCardCount', '张') },
-				{ label: '总额度', value: valueWithUnit(saved, 'creditCardTotalLimit', '元') },
-				{ label: '已使用总额度', value: valueWithUnit(saved, 'creditCardUsedLimit', '元') },
+				{ label: '总额度', value: valueWithUnit(saved, 'creditCardTotalLimit', '万元') },
+				{ label: '已使用总额度', value: valueWithUnit(saved, 'creditCardUsedLimit', '万元') },
 				{ label: '是否有房', value: ownershipFromDraft(saved, 'house').length > 0 ? ownershipFromDraft(saved, 'house') : '未填写' },
 				{ label: '是否有车', value: ownershipFromDraft(saved, 'car').length > 0 ? ownershipFromDraft(saved, 'car') : '未填写' }
 			], expanded: false },
@@ -79,7 +82,7 @@
 	}
 	onShow(() => loadDraft())
 	const edit = (step: number) => {
-		uni.setStorageSync('assessmentEditStep', step)
+		setUserStorage('assessmentEditStep', step)
 		const pages = getCurrentPages()
 		if (pages.length > 1 && pages[pages.length - 2].route == 'packages/finance/assessment/assessment') uni.navigateBack({ delta: 1 })
 		else uni.navigateTo({ url: '/packages/finance/assessment/assessment?type=' + assessmentType.value })
@@ -92,7 +95,7 @@
 		if (draftText(saved, 'name').length < 2 || !/^1[3-9][0-9]{9}$/.test(draftText(saved, 'phone')) || draftText(saved, 'city').length == 0) { uni.showToast({ title: '请先完善基本信息', icon: 'none' }); edit(0); return }
 		if (assessmentType.value == 'personal' && !/(^[0-9]{15}$)|(^[0-9]{17}[0-9Xx]$)/.test(draftText(saved, 'idCard'))) { uni.showToast({ title: '请补全身份证信息', icon: 'none' }); edit(0); return }
 		if (assessmentType.value == 'enterprise' && (draftText(saved, 'enterpriseName').length < 2 || !/^[0-9A-Z]{18}$/.test(draftText(saved, 'businessCode').toUpperCase()))) { uni.showToast({ title: '请补全企业信息', icon: 'none' }); edit(0); return }
-		if (amount.length == 0 || parseFloat(amount) <= 0 || isNaN(parseFloat(amount))) { uni.showToast({ title: '请先完善收入信息', icon: 'none' }); edit(1); return }
+		if (!wanAmountValid(amount) || parseFloat(amount) <= 0) { uni.showToast({ title: '请先完善收入信息', icon: 'none' }); edit(1); return }
 		const grants = saved['authorizations'] as string[] | null
 		if ((documentsFromDraft(saved).length > 0 && saved['documentConsent'] != true) || (grants != null && grants.length > 0 && saved['dataConsent'] != true)) { uni.showToast({ title: '请确认资料与授权选择', icon: 'none' }); edit(3); return }
 		const assetError = assetValidationMessage(formFromDraft(saved))

packages/finance/matches/matches.uvue

@@ -11,7 +11,7 @@
 					<text class="result-summary">共 {{ matches.length }} 个方案 · 了解额度与申请条件</text>
 					<view class="match-card" v-for="item in sortedMatches" :key="item.id" @click="openProduct(item.id)">
 						<view class="bank-row"><view class="bank-logo" :style="'background-color:' + item.color"><text class="bank-initial">{{ item.initials }}</text></view><view class="bank-copy"><text class="bank-name">{{ item.bank }}</text><text class="match-tag">个人信用融资</text></view><text class="match-score">{{ item.score }}%匹配</text></view>
-						<view class="metrics"><view class="metric"><text class="metric-value">{{ item.amount }}<text class="metric-unit"> 万</text></text><text class="metric-label">最高额度</text></view><view class="metric"><text class="metric-value rate-value">{{ item.rate.toFixed(2) }}%</text><text class="metric-label">年化利率（起）</text></view><view class="metric term-metric"><text class="term-value">{{ item.term }}</text><text class="metric-label">贷款期限</text></view></view>
+						<view class="metrics"><view class="metric"><text class="metric-value">{{ item.amount }}<text class="metric-unit"> 万元</text></text><text class="metric-label">最高额度</text></view><view class="metric"><text class="metric-value rate-value">{{ item.rate.toFixed(2) }}%</text><text class="metric-label">年化利率（起）</text></view><view class="metric term-metric"><text class="term-value">{{ item.term }}</text><text class="metric-label">贷款期限</text></view></view>
 						<view class="card-footer"><text class="footer-hint">{{ item.advantages.join(' · ') }}</text><view class="detail-link"><text class="detail-label">查看详情</text><AppIcon name="chevron-right" :size="26" /></view></view>
 					</view>
 				</view>

packages/finance/product/product.uvue

@@ -14,7 +14,7 @@
 					<view class="product-actions"><text class="share" @click="shareProduct">分享产品</text></view>
 					<!-- #endif -->
 					<view class="bank-head"><view class="bank-mark" :style="'background-color:' + product.color"><text class="bank-initial">{{ product.initials }}</text></view><view class="bank-copy"><text class="product-name">{{ product.bank }}</text><text class="product-tags">个人信用融资 · 产品信息</text></view></view>
-					<view class="product-metrics"><view class="metric"><text class="metric-label">最高额度</text><text class="amount">{{ product.amount }}万</text></view><view class="metric"><text class="metric-label">年化利率（起）</text><text class="rate">{{ product.rate.toFixed(2) }}%</text></view><view class="metric last-metric"><text class="metric-label">贷款期限</text><text class="term">{{ product.term }}</text></view></view>
+					<view class="product-metrics"><view class="metric"><text class="metric-label">最高额度</text><text class="amount">{{ product.amount }}万元</text></view><view class="metric"><text class="metric-label">年化利率（起）</text><text class="rate">{{ product.rate.toFixed(2) }}%</text></view><view class="metric last-metric"><text class="metric-label">贷款期限</text><text class="term">{{ product.term }}</text></view></view>
 					<view class="detail-section"><text class="section-title">产品优势</text><view class="advantage-grid"><view class="advantage" v-for="item in product.advantages" :key="item"><AppIcon name="check-circle" :size="30" /><text class="advantage-label">{{ item }}</text></view></view></view>
 					<view class="detail-section"><text class="section-title">申请条件</text><view class="condition"><text class="condition-label">年龄要求</text><text class="condition-value">{{ product.age }}</text></view><view class="condition"><text class="condition-label">工作要求</text><text class="condition-value">{{ product.work }}</text></view><view class="condition"><text class="condition-label">信用要求</text><text class="condition-value">{{ product.credit }}</text></view></view>
 					<view class="detail-section"><text class="section-title">所需材料</text><text class="material">{{ product.materials }}</text></view>

packages/finance/services/api.uts

@@ -1,21 +1,24 @@
-import { API_BASE_URL, wait, requestJson } from '@/services/api.uts'
+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'
 export { API_BASE_URL } from '@/services/api.uts'
 
 export async function submitAssessment(payload: UTSJSONObject): Promise<string> {
-	if (API_BASE_URL.length == 0) {
+	const apiPayload = assessmentApiPayload(payload)
+	if (API_DEMO_ENABLED) {
 		await wait(650)
-		uni.setStorageSync('latestAssessment', payload)
+		setUserStorage('latestAssessment', apiPayload)
 		return 'ASSESSMENT-DEMO-001'
 	}
-	const result = await requestJson('/assessments', 'POST', payload)
+	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
 }
 
 export async function fetchMatches(): Promise<FinanceProduct[]> {
-	if (API_BASE_URL.length == 0) {
+	if (API_DEMO_ENABLED) {
 		await wait(320)
 		return demoProducts.slice()
 	}
@@ -25,7 +28,7 @@ export async function fetchMatches(): Promise<FinanceProduct[]> {
 }
 
 export async function fetchProduct(id: string): Promise<FinanceProduct | null> {
-	if (API_BASE_URL.length == 0) {
+	if (API_DEMO_ENABLED) {
 		await wait(180)
 		const products = demoProducts.filter((item: FinanceProduct): boolean => item.id == id)
 		return products.length > 0 ? products[0] : null
@@ -35,7 +38,7 @@ export async function fetchProduct(id: string): Promise<FinanceProduct | null> {
 }
 
 export async function sendAssistantMessage(message: string): Promise<string> {
-	if (API_BASE_URL.length == 0) {
+	if (API_DEMO_ENABLED) {
 		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。'
 	}
@@ -44,4 +47,3 @@ export async function sendAssistantMessage(message: string): Promise<string> {
 	if (reply == null || reply.length == 0) throw new Error('助手暂时没有返回内容')
 	return reply
 }
-

packages/finance/services/finance.uts

@@ -1,3 +1,5 @@
+import { yuanToWan } from '@/services/money.uts'
+
 export type FinanceProduct = {
 	id: string, bank: string, initials: string, color: string,
 	amount: number, rate: number, term: string, score: number,
@@ -12,10 +14,12 @@ export const demoProducts: FinanceProduct[] = [
 ]
 
 export function parseProduct(item: UTSJSONObject): FinanceProduct {
+	// 接口额度使用元的十进制字符串，视图模型始终使用万元。
+	const amountYuan = item['amountYuan'] as string | null
 	return {
 		id: item['id'] as string ?? '', bank: item['bank'] as string ?? '融资产品',
 		initials: item['initials'] as string ?? '融', color: item['color'] as string ?? '#2869b7',
-		amount: item['amount'] as number ?? 0, rate: item['rate'] as number ?? 0,
+		amount: amountYuan != null ? parseFloat(yuanToWan(amountYuan)) : (item['amount'] as number ?? 0), rate: item['rate'] as number ?? 0,
 		term: item['term'] as string ?? '以审批为准', score: item['score'] as number ?? 0,
 		advantages: item['advantages'] as string[] ?? [], age: item['age'] as string ?? '以机构要求为准',
 		work: item['work'] as string ?? '以机构要求为准', credit: item['credit'] as string ?? '以机构要求为准',