commit

services/api.uts

@@ -0,0 +1,34 @@
+const API_BASE_URL = ''
+
+const wait = (duration: number) => new Promise<void>((resolve) => { setTimeout(() => resolve(), duration) })
+
+// API_BASE_URL 为空时使用本地演示数据；接入后端后仅需替换各方法内部实现。
+export async function requestSmsCode(phone: string): Promise<boolean> {
+	if (API_BASE_URL.length == 0) { await wait(350); return phone.length >= 11 }
+	return true
+}
+
+export async function submitAssessment(payload: UTSJSONObject): Promise<string> {
+	if (API_BASE_URL.length == 0) {
+		await wait(650)
+		uni.setStorageSync('latestAssessment', payload)
+		return 'ASSESSMENT-DEMO-001'
+	}
+	return ''
+}
+
+export async function fetchMatches(): Promise<UTSJSONObject[]> {
+	await wait(320)
+	return [
+		{ rank: 1, bank: '招商银行·闪电贷', amount: '50万', rate: '3.85%', term: '12-36期', score: 96 },
+		{ rank: 2, bank: '平安银行·新一贷', amount: '30万', rate: '4.20%', term: '12-60期', score: 91 },
+		{ rank: 3, bank: '建设银行·快e贷', amount: '20万', rate: '4.35%', term: '12-36期', score: 88 }
+	]
+}
+
+export async function sendAssistantMessage(message: string): Promise<string> {
+	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。'
+}
+
+export { API_BASE_URL }