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/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
 }
-