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/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',