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/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'