refactor(plan): 提取方式字段重命名

- 将 specified_amount_type 重命名为 withdrawal_method
- 同步更新组件、文档和字段示例
- 保持"功能优先"的语义一致性

影响文件:
- src/components/plan/PlanTemplates/SavingsTemplate.vue
- docs/PLAN/plan-entry-architecture.md
- docs/lessons-learned/plan-entry-module-summary.md
- docs/CHANGELOG.md
- README.md

Co-Authored-By: Claude Sonnet 4.5 <noreply@anthropic.com>

@@ -45,6 +45,13 @@ pnpm lint
 - ✅ **组件复用** - "第 3 次出现原则"抽取 Composables
 - ✅ **可复用组件** - TabBar、NavHeader、IconFont
 
+## 🆕 最新更新（2026-02-14）
+
+### 字段命名优化
+- ✅ **提取方式字段** - 统一将 specified_amount_type 重命名为 withdrawal_method
+- ✅ **文档同步** - 更新提取计划相关文档字段示例
+- ✅ **优化建议** - 提取计划相关字段命名保持“功能优先”的语义一致性
+
 ## 🆕 最新更新（2026-02-13）
 
 ### 权限与测试

+## [2026-02-14] - 提取方式字段重命名
+
+### 变更
+- 将提取方式字段从 specified_amount_type 统一重命名为 withdrawal_method
+- 同步更新计划书模板与相关文档的字段描述
+
+---
+
+**详细信息**：
+- **影响文件**: src/components/plan/PlanTemplates/SavingsTemplate.vue, docs/plan/plan-entry-architecture.md, docs/lessons-learned/plan-entry-module-summary.md
+- **技术栈**: Vue 3, Taro 4
+- **测试状态**: 待测试
+- **备注**: 中文字段名保持为“提取方式”
+
+---
+
 ## [2026-02-14] - 修复文件扩展名解析逻辑
 
 ### 修复

@@ -414,7 +414,7 @@ src/
 {
   withdrawal_enabled: '是',
   withdrawal_mode: '指定提取金额',
-  specified_amount_type: '按年岁',
+  withdrawal_method: '按年岁',
   withdrawal_start_age: 60,        // 由几岁开始
   withdrawal_period: '10年',        // 提取期（年）
   increase_rate: '5'                // 每年递增提取之百分比（%）
@@ -464,13 +464,13 @@ src/
     <template v-if="form.withdrawal_mode === '指定提取金额'">
       <!-- 子选项：提取方式 -->
       <PlanFieldRadio
-        v-model="form.specified_amount_type"
+        v-model="form.withdrawal_method"
         label="提取方式"
         :options="['按年岁']"
       />
 
       <!-- 按年岁字段 -->
-      <template v-if="form.specified_amount_type === '按年岁'">
+      <template v-if="form.withdrawal_method === '按年岁'">
         <PlanFieldAgePicker
           v-model="form.withdrawal_start_age"
           label="由几岁开始"
@@ -521,13 +521,13 @@ src/
 const onWithdrawalModeChange = (mode) => {
   if (mode === '最高固定提取金额') {
     // 最高固定金额模式不需要指定金额的相关字段
-    delete form.specified_amount_type
+    delete form.withdrawal_method
     delete form.increase_rate
   }
 }
 
 // 监听提取方式变化
-watch(() => form.specified_amount_type, (newType) => {
+watch(() => form.withdrawal_method, (newType) => {
   // 两种方式都不需要 annual_amount 和 increase_rate（小程序端不需要）
   delete form.annual_amount
   delete form.increase_rate

@@ -115,9 +115,9 @@ withdrawal_mode: '指定提取金额' | '最高固定提取金额'
 
 // 第三层：根据不同选项显示不同字段
 if (withdrawal_mode === '指定提取金额') {
-  specified_amount_type: '按年岁'
+  withdrawal_method: '按年岁'
 
-  if (specified_amount_type === '按年岁') {
+  if (withdrawal_method === '按年岁') {
     withdrawal_start_age: number  // 由几岁开始
     withdrawal_period: string      // 提取期（年）
     increase_rate: string          // 每年递增提取之百分比（%）
@@ -145,7 +145,7 @@ watch(
   (mode) => {
     if (mode === '最高固定提取金额') {
       // 清除指定金额相关字段
-      delete form.specified_amount_type
+      delete form.withdrawal_method
       delete form.annual_amount
       delete form.increase_rate
     }
@@ -154,7 +154,7 @@ watch(
 
 // 当切换指定金额类型时
 watch(
-  () => form.specified_amount_type,
+  () => form.withdrawal_method,
   () => {
     // 小程序端不需要这些字段
     delete form.annual_amount
@@ -169,7 +169,7 @@ watch(
     if (enabled === '否') {
       // 清除所有提取计划字段
       delete form.withdrawal_mode
-      delete form.specified_amount_type
+      delete form.withdrawal_method
       delete form.withdrawal_start_age
       delete form.withdrawal_period
       delete form.annual_amount

@@ -86,7 +86,7 @@
         <template v-if="form.withdrawal_mode === '指定提取金额'">
           <!-- 提取方式：只有按年岁 -->
           <PlanFieldRadio
-            v-model="form.specified_amount_type"
+            v-model="form.withdrawal_method"
             label="提取方式"
             :options="['按年岁']"
             :required="true"
@@ -94,7 +94,7 @@
           />
 
           <!-- 按年岁 -->
-          <template v-if="form.specified_amount_type === '按年岁'">
+          <template v-if="form.withdrawal_method === '按年岁'">
             <!-- 每年提取金额 -->
             <PlanFieldAmount
               v-model="form.annual_withdrawal_amount"
@@ -269,7 +269,7 @@ const initializeForm = (value) => {
     // 默认值
     withdrawal_enabled: value.withdrawal_enabled || '否',
     withdrawal_mode: value.withdrawal_mode || '指定提取金额',
-    specified_amount_type: value.specified_amount_type || '按年岁',
+    withdrawal_method: value.withdrawal_method || '按年岁',
     // 新字段默认值（使用 null 以匹配 AmountKeyboard 的 Number 类型）
     annual_withdrawal_amount: value.annual_withdrawal_amount ?? null,
     annual_increase_percentage: value.annual_increase_percentage ?? null
@@ -303,7 +303,7 @@ watch(
         // 默认值
         withdrawal_enabled: newVal.withdrawal_enabled || '否',
         withdrawal_mode: newVal.withdrawal_mode || '指定提取金额',
-        specified_amount_type: newVal.specified_amount_type || '按年岁',
+        withdrawal_method: newVal.withdrawal_method || '按年岁',
         // 新字段默认值（使用 null 以匹配 AmountKeyboard 的 Number 类型）
         annual_withdrawal_amount: newVal.annual_withdrawal_amount ?? null,
         annual_increase_percentage: newVal.annual_increase_percentage ?? null
@@ -448,7 +448,7 @@ const validate = () => {
 
     // 根据选择的提取模式进行校验
     if (form.withdrawal_mode === '指定提取金额') {
-      if (!form.specified_amount_type) {
+      if (!form.withdrawal_method) {
         Taro.showToast({ title: '请选择提取方式', icon: 'none' })
         return false
       }
@@ -463,7 +463,7 @@ const validate = () => {
         return false
       }
 
-      if (form.specified_amount_type === '按年岁') {
+      if (form.withdrawal_method === '按年岁') {
         if (!form.annual_withdrawal_amount || form.annual_withdrawal_amount === '') {
           Taro.showToast({ title: '请输入每年提取金额', icon: 'none' })
           return false