fix(plan): 修复储蓄类多阶段模版保存问题

- 添加 stages 数据从 props.modelValue 恢复的逻辑
- 修复 validate() 中单阶段字段在多阶段模式下被错误校验
- 添加详细的调试日志

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

@@ -335,3 +335,13 @@
 
 **变更摘要**:
 - CHANGELOG 自动更新功能配置
+
+### 2026-02-28 - 修复储蓄类多阶段模版保存问题
+
+**影响文件**:
+- `src/components/plan/PlanTemplates/SavingsTemplate.vue`
+
+**变更摘要**:
+- 修复多阶段模式下 stages 数据无法从 props.modelValue 恢复的问题
+- 修复 validate() 函数中单阶段字段被错误校验的问题
+- 添加详细的调试日志以方便排查问题

@@ -390,12 +390,16 @@ const canRemoveStage = computed(() => {
  * 创建空的阶段数据
  * @returns {Object} 空阶段对象
  */
-const createStage = () => ({
-  annual_withdrawal_amount: null,
-  withdrawal_start_age: null,
-  withdrawal_period: null,
-  annual_increase_percentage: null
-})
+const createStage = () => {
+  const stage = {
+    annual_withdrawal_amount: null,
+    withdrawal_start_age: null,
+    withdrawal_period: null,
+    annual_increase_percentage: null
+  }
+  console.log('createStage() 创建:', stage)
+  return stage
+}
 
 /**
  * 初始化阶段数据
@@ -404,16 +408,22 @@ const createStage = () => ({
  *              - 年龄 ≥ 12岁：初始 1 组
  */
 const initializeStages = () => {
+  console.log('=== initializeStages() 调用 ===')
+  console.log('form.age:', form.age)
   const age = parseInt(form.age) || 0
   const threshold = multiStageConfig.value.age_threshold || 12
+  console.log('age:', age, 'threshold:', threshold)
 
   if (age < threshold) {
     // 固定 3 组
     stages.value = [createStage(), createStage(), createStage()]
+    console.log('初始化 3 组阶段')
   } else {
     // 初始 1 组
     stages.value = [createStage()]
+    console.log('初始化 1 组阶段')
   }
+  console.log('stages.value:', stages.value)
 }
 
 /**
@@ -442,6 +452,8 @@ const removeStage = (index) => {
 watch(
   stages,
   (newStages) => {
+    console.log('=== stages watch 触发 ===')
+    console.log('newStages:', JSON.parse(JSON.stringify(newStages)))
     // 清理每个阶段的 undefined 值为 null
     const cleanedStages = newStages.map(stage => ({
       annual_withdrawal_amount: stage.annual_withdrawal_amount ?? null,
@@ -449,7 +461,10 @@ watch(
       withdrawal_period: stage.withdrawal_period ?? null,
       annual_increase_percentage: stage.annual_increase_percentage ?? null
     }))
+    console.log('cleanedStages:', cleanedStages)
+    console.log('设置 form.withdrawal_stages')
     form.withdrawal_stages = cleanedStages
+    console.log('form.withdrawal_stages 已更新:', form.withdrawal_stages)
   },
   { deep: true }
 )
@@ -476,8 +491,14 @@ watch(
 watch(
   isMultiStageMode,
   (enabled) => {
+    console.log('=== isMultiStageMode watch ===')
+    console.log('enabled:', enabled)
+    console.log('stages.value.length:', stages.value.length)
     if (enabled && stages.value.length === 0) {
+      console.log('条件满足，调用 initializeStages()')
       initializeStages()
+    } else {
+      console.log('跳过初始化')
     }
   },
   { immediate: true }
@@ -529,8 +550,13 @@ const initializeForm = (value) => {
 watch(
   () => props.modelValue,
   (newVal) => {
+    console.log('=== modelValue watch 触发 ===')
+    console.log('newVal:', newVal)
+    console.log('isMultiStageMode:', isMultiStageMode.value)
+
     if (!newVal) {
       // null 或 undefined：清空
+      console.log('newVal 为空，清空表单')
       Object.keys(form).forEach(key => delete form[key])
       previousModelValue = null
       return
@@ -543,10 +569,12 @@ watch(
 
     if (isReset) {
       // 父组件重置了：清空表单
+      console.log('检测到重置，清空表单')
       initializeForm(newVal)
       previousModelValue = newVal
     } else {
       // 正常更新：合并新字段，保留默认值逻辑
+      console.log('正常更新表单数据')
       const defaults = getSchemaDefaults(newVal)
       Object.assign(form, {
         ...newVal,
@@ -559,6 +587,36 @@ watch(
         withdrawal_period_fixed: newVal.withdrawal_period_fixed ?? null
       })
       previousModelValue = newVal
+
+      // 恢复 stages 数据（多阶段模式）
+      console.log('检查是否需要恢复 stages 数据...')
+      console.log('  isMultiStageMode:', isMultiStageMode.value)
+      console.log('  newVal.withdrawal_stages:', newVal.withdrawal_stages)
+
+      if (isMultiStageMode.value && newVal.withdrawal_stages && Array.isArray(newVal.withdrawal_stages)) {
+        console.log('✅ 开始恢复 stages 数据')
+        console.log('  当前 stages.value:', stages.value)
+        console.log('  新数据 withdrawal_stages:', newVal.withdrawal_stages)
+
+        // 深度比较，避免覆盖用户正在编辑的数据
+        const currentStagesStr = JSON.stringify(stages.value)
+        const newStagesStr = JSON.stringify(newVal.withdrawal_stages)
+        console.log('  深度比较:', currentStagesStr === newStagesStr ? '相同' : '不同')
+
+        if (currentStagesStr !== newStagesStr) {
+          stages.value = newVal.withdrawal_stages.map(stage => ({
+            annual_withdrawal_amount: stage.annual_withdrawal_amount ?? null,
+            withdrawal_start_age: stage.withdrawal_start_age ?? null,
+            withdrawal_period: stage.withdrawal_period ?? null,
+            annual_increase_percentage: stage.annual_increase_percentage ?? null
+          }))
+          console.log('  ✅ stages 已恢复:', stages.value)
+        } else {
+          console.log('  跳过恢复（数据相同）')
+        }
+      } else {
+        console.log('  ❌ 不需要恢复 stages')
+      }
     }
   },
   { immediate: true }
@@ -674,10 +732,18 @@ const onPercentageInput = (value, key) => {
 }
 
 const isEmptyValue = (value) => {
-  if (value === null || value === undefined) return true
-  if (typeof value === 'string' && value.trim() === '') return true
-  if (Array.isArray(value) && value.length === 0) return true
-  return false
+  const result = (() => {
+    if (value === null || value === undefined) return true
+    if (typeof value === 'string' && value.trim() === '') return true
+    if (Array.isArray(value) && value.length === 0) return true
+    return false
+  })()
+  // 只在调用栈包含 validate 时打印日志，避免过多输出
+  const stack = new Error().stack || ''
+  if (stack.includes('validate')) {
+    console.log(`isEmptyValue(${value} [${typeof value}]) = ${result}`)
+  }
+  return result
 }
 
 const getRequiredMessage = (field) => {
@@ -703,8 +769,14 @@ const isFieldRequired = (field) => {
  * @returns {boolean} 校验是否通过
  */
 const validate = () => {
+  console.log('=== validate() 开始 ===')
+  console.log('form 数据:', form)
+  console.log('form.withdrawal_mode:', form.withdrawal_mode)
+  console.log('isMultiStageMode:', isMultiStageMode.value)
+
   // 1. 基础字段校验（单阶段和多阶段通用）
   const fields = [...baseFields.value, ...(props.config.withdrawal_plan?.enabled ? withdrawalFields.value : [])]
+  console.log('需要校验的基础字段数:', fields.length)
 
   // 年龄与出生年月日二选一校验
   const hasAge = !isEmptyValue(form.age)
@@ -731,6 +803,21 @@ const validate = () => {
     // 跳过年龄字段的单独校验（已和生日一起校验）
     if (field.key === 'age') continue
 
+    // 多阶段模式 + 选择"指定提取金额"时，跳过单阶段字段的校验
+    // 这些字段在多阶段模式下由 validateMultiStage() 校验
+    if (isMultiStageMode.value && form.withdrawal_mode === '指定提取金额') {
+      const skipFields = [
+        'annual_withdrawal_amount',
+        'withdrawal_start_age_specified',
+        'withdrawal_period_specified',
+        'annual_increase_percentage'
+      ]
+      if (skipFields.includes(field.key)) {
+        console.log(`跳过单阶段字段校验: ${field.key}`)
+        continue
+      }
+    }
+
     if (isFieldRequired(field)) {
       const value = form[field.key]
       if (isEmptyValue(value)) {
@@ -766,25 +853,42 @@ const validate = () => {
  * @returns {boolean} 校验是否通过
  */
 const validateMultiStage = () => {
+  console.log('=== validateMultiStage 开始 ===')
+  console.log('stages.value:', stages.value)
+  console.log('stages.value.length:', stages.value.length)
+
   // 多阶段字段校验
   for (let i = 0; i < stages.value.length; i++) {
     const stage = stages.value[i]
     const stageLabel = `阶段${i + 1}`
 
+    console.log(`--- 校验 ${stageLabel} ---`)
+    console.log('stage 对象:', stage)
+    console.log('  annual_withdrawal_amount:', stage.annual_withdrawal_amount, '类型:', typeof stage.annual_withdrawal_amount)
+    console.log('  withdrawal_start_age:', stage.withdrawal_start_age, '类型:', typeof stage.withdrawal_start_age)
+    console.log('  withdrawal_period:', stage.withdrawal_period, '类型:', typeof stage.withdrawal_period)
+    console.log('  annual_increase_percentage:', stage.annual_increase_percentage, '类型:', typeof stage.annual_increase_percentage)
+
     // 每年提取金额（必填）
+    console.log('检查 annual_withdrawal_amount isEmptyValue:', isEmptyValue(stage.annual_withdrawal_amount))
     if (isEmptyValue(stage.annual_withdrawal_amount)) {
+      console.log(`❌ ${stageLabel}：每年提取金额为空`)
       Taro.showToast({ title: `${stageLabel}：请输入每年提取金额`, icon: 'none' })
       return false
     }
 
     // 由几岁开始（必填）
+    console.log('检查 withdrawal_start_age isEmptyValue:', isEmptyValue(stage.withdrawal_start_age))
     if (isEmptyValue(stage.withdrawal_start_age)) {
+      console.log(`❌ ${stageLabel}：withdrawal_start_age 为空`)
       Taro.showToast({ title: `${stageLabel}：请输入由几岁开始`, icon: 'none' })
       return false
     }
 
     // 提取期（必填）
+    console.log('检查 withdrawal_period isEmptyValue:', isEmptyValue(stage.withdrawal_period))
     if (isEmptyValue(stage.withdrawal_period)) {
+      console.log(`❌ ${stageLabel}：withdrawal_period 为空`)
       Taro.showToast({ title: `${stageLabel}：请选择提取期`, icon: 'none' })
       return false
     }
@@ -793,12 +897,15 @@ const validateMultiStage = () => {
     if (!isEmptyValue(stage.annual_increase_percentage)) {
       const percentage = parseFloat(stage.annual_increase_percentage)
       if (Number.isNaN(percentage) || percentage < 0 || percentage > 100) {
+        console.log(`❌ ${stageLabel}：递增百分比超出范围`)
         Taro.showToast({ title: `${stageLabel}：递增百分比请输入0-100之间的数值`, icon: 'none' })
         return false
       }
     }
+    console.log(`✅ ${stageLabel} 校验通过`)
   }
 
+  console.log('=== validateMultiStage 全部通过 ===')
   return true
 }