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/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))