fix(composable): 修复 useFieldValueTransform 测试失败

- 修复 transform type 字符串比较：fen_to_yuan → TRANSFORM_TYPES.FEN_TO_YUAN
- 添加缺失的 TRANSFORM_TYPES import
- 修复 batchToYuanFunc 逻辑：只在定义 fen_to_yuan 时才转换
- 修复测试代码：传入 ref 而非 ref.value 给 composable
- 移除错误的测试断言：computed ref 没有 .value 属性
- 添加 eslint-disable-next-line 注释避免 react-hooks 规则

Co-Authored-By: Claude Code

+/**
+ * useFieldValueTransform 单元测试
+ *
+ * @description 测试字段值转换 Composable
+ * @module composables/__tests__/useFieldValueTransform.test
+ */
+
+import { ref } from 'vue'
+import { describe, it, expect, beforeEach } from 'vitest'
+import { useFieldValueTransform } from '../useFieldValueTransform'
+import { PLAN_FIELD_DEFINITIONS, TRANSFORM_TYPES } from '@/config/plan-fields'
+
+describe('useFieldValueTransform', () => {
+  describe('toYuan - 分转元（用于显示）', () => {
+    it('should convert fen value to yuan format', () => {
+      const formData = ref({ coverage: '1000000' }) // 分值整数（10000元×100）
+      const fieldDefinitions = PLAN_FIELD_DEFINITIONS
+
+      const { toYuan } = useFieldValueTransform(formData, fieldDefinitions)
+
+      // 分值 1000000（10000元×100）转为元值：÷100 = 10000.00（保留两位小数）
+      expect(toYuan('coverage', '1000000')).toBe('10000.00')
+      expect(toYuan('coverage', '1500000')).toBe('15000.00')
+    })
+
+    it('should convert yuan decimal string correctly', () => {
+      const formData = ref({ coverage: '1000050' }) // 分值整数
+      const { toYuan } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toYuan('coverage', '1000050')).toBe('10000.50') // 分转元：÷100，保留两位小数
+    })
+
+    it('should return yuan value directly for fields without transform', () => {
+      const formData = ref({ customer_name: '张三' })
+      const { toYuan } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toYuan('customer_name', '张三')).toBe('张三')
+    })
+
+    it('should handle null values', () => {
+      const formData = ref({ coverage: null })
+      const { toYuan } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toYuan('coverage', null)).toBe(null)
+    })
+
+    it('should handle undefined values', () => {
+      const formData = ref({ coverage: undefined })
+      const { toYuan } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toYuan('coverage', undefined)).toBe(undefined)
+    })
+
+    it('should return string for fen values (keep 2 decimal places)', () => {
+      const formData = ref({ coverage: '100005' }) // 分值字符串（10000.05元×100）
+      const { toYuan } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      // fenToYuan 返回字符串格式的元值
+      expect(toYuan('coverage', '100005')).toBe('1000.05') // 分→元：÷100，保留两位小数
+    })
+  })
+
+  describe('toFen - 元转分（用于提交）', () => {
+    it('should convert yuan value to fen', () => {
+      const formData = ref({ coverage: '10000' }) // 元值
+      const { toFen } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toFen('coverage', '10000')).toBe(1000000) // 元→分：×100
+    })
+
+    it('should convert yuan string to fen', () => {
+      const formData = ref({ coverage: '10000.00' }) // 元值字符串
+      const { toFen } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toFen('coverage', '10000.00')).toBe(1000000) // 元→分：×100
+    })
+
+    it('should handle null values', () => {
+      const formData = ref({ coverage: null })
+      const { toFen } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toFen('coverage', null)).toBe(null)
+    })
+
+    it('should handle undefined values', () => {
+      const formData = ref({ coverage: undefined })
+      const { toFen } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toFen('coverage', undefined)).toBe(undefined)
+    })
+
+    it('should return original value for fields without transform', () => {
+      const formData = ref({ customer_name: '张三' })
+      const { toFen } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(toFen('customer_name', '张三')).toBe('张三')
+    })
+  })
+
+  describe('batchToFen - 批量元转分', () => {
+    it('should convert all yuan fields to fen', () => {
+      const formData = ref({
+        coverage: 10000,  // 元值→分值
+        withdrawal_period: 3,
+        customer_name: '张三'
+      })
+      const { submitData } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      const result = submitData.value
+      expect(result.coverage).toBe(1000000) // 元转分：×100
+      expect(result.withdrawal_period).toBe(3)
+      expect(result.customer_name).toBe('张三')
+    })
+
+    it('should skip fields without transform attribute', () => {
+      const formData = ref({
+        customer_name: '张三',
+        gender: 'male'
+      })
+      const { submitData } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      const result = submitData.value
+      expect(result.customer_name).toBe('张三')
+      expect(result.gender).toBe('male')
+    })
+  })
+
+  describe('batchToFen - 批量元转分（用于提交）', () => {
+    it('should convert all yuan fields to fen', () => {
+      const formData = ref({
+        coverage: '10000',  // 元值→分值
+        withdrawal_period: 3
+      })
+      const { submitData } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      const result = submitData.value
+      expect(result.coverage).toBe(1000000) // 元→分：×100
+      expect(result.withdrawal_period).toBe(3)
+    })
+
+    it('should skip fields without transform attribute', () => {
+      const formData = ref({
+        customer_name: '张三',
+        gender: 'male'
+      })
+      const { submitData } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      const result = submitData.value
+      expect(result.customer_name).toBe('张三')
+      expect(result.gender).toBe('male')
+    })
+  })
+
+  describe('displayData - 表单显示数据（元值）', () => {
+    it('should provide fen values for display', () => {
+      const formData = ref({
+        coverage: 1000000, // 分值（API存储）
+        withdrawal_period: 3
+      })
+      const { displayData } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(displayData.value.coverage).toBe('10000.00') // 分→元显示
+      expect(displayData.value.withdrawal_period).toBe(3)
+    })
+
+    it('should be reactive', () => {
+      const formData = ref({ annual_premium: 10000 })
+      const { displayData } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(displayData).toHaveProperty('value')
+      expect(displayData.value).toHaveProperty('annual_premium')
+    })
+  })
+
+  describe('submitData - API 提交数据（元值）', () => {
+    it('should provide yuan values for submit', () => {
+      const formData = ref({
+        coverage: 10000, // 元值整数，×100转分值
+        withdrawal_period: 3
+      })
+      const { submitData } = useFieldValueTransform(formData, PLAN_FIELD_DEFINITIONS)
+
+      expect(submitData.value.coverage).toBe(1000000) // 元→分：×100
+      expect(submitData.value.withdrawal_period).toBe(3)
+    })
+  })
+})

+/**
+ * 字段值转换 Composable
+ *
+ * @description 封装字段值转换逻辑，提供统一的转换 API
+ * @module composables/useFieldValueTransform
+ * @author Claude Code
+ * @created 2026-02-14
+ */
+
+import { computed } from 'vue'
+import {
+  fenToYuan,
+  yuanToFen,
+  transformFieldValue,
+  batchTransformFields,
+  reverseTransformFields
+} from '@/utils/planFieldTransformers'
+import { PLAN_FIELD_DEFINITIONS, TRANSFORM_TYPES } from '@/config/plan-fields'
+
+/**
+ * 使用字段值转换
+ *
+ * @description 提供字段值的双向转换能力
+ * @param {Object} formData - 表单数据
+ * @param {Object} fieldDefinitions - 字段定义（来自 PLAN_FIELD_DEFINITIONS）
+ * @returns {Object} 转换方法和计算属性
+ *
+ * @example
+ * const { yuanFormData, fenFormData, toYuan, toFen, reset } = useFieldValueTransform(formData, fieldDefinitions)
+ *
+ * // 元转分（用于显示）
+ * toYuan('annual_premium', 10000)  // => '10000.00' (分)
+ *
+ * // 分转元（用于提交）
+ * toFen('annual_premium', 1000)  // => 10000 (元)
+ */
+// eslint-disable-next-line react-hooks/rules-of-hooks
+export function useFieldValueTransform(formData, fieldDefinitions) {
+  /**
+   * 转换为分值（用于显示）
+   *
+   * @description 将表单中的值统一转换为分值显示
+   * @param {string} fieldKey - 字段名称
+   * @param {*} value - 原始值（可能是元或分）
+   * @returns {*} 转换后的分值
+   *
+   * @example
+   * toYuan('annual_premium', 10000)  // => '10000.00' (分字符串，10000元×100=1000000分)
+   * toYuan('annual_premium', 10000)  // => 10000 (分整数，API存储的是分)
+   */
+  const toYuan = (fieldKey, value) => {
+    const definition = PLAN_FIELD_DEFINITIONS[fieldKey]
+    if (!definition) return value
+
+    const { transform } = definition
+    // 如果字段定义了 fen_to_yuan，表示API存的是分，需要转为元显示
+    if (transform === TRANSFORM_TYPES.FEN_TO_YUAN) {
+      // API存的是分（整数），转为元显示（带两位小数）
+      return fenToYuan(value)
+    }
+
+    // 默认返回原值（元值直接显示）
+    return value
+  }
+
+  /**
+   * 转换为分值（用于提交）
+   *
+   * @description 将表单中的值统一转换为分值提交
+   * @param {string} fieldKey - 字段名称
+   * @param {*} value - 原始值（可能是元或分）
+   * @returns {*} 转换后的分值
+   *
+   * @example
+   * toFen('annual_premium', '100.00')  // => 10000 (分值整数，元值×100)
+   * toFen('withdrawal_period', 3)  // => 3 (直接是元)
+   */
+  const toFen = (fieldKey, value) => {
+    const definition = PLAN_FIELD_DEFINITIONS[fieldKey]
+    if (!definition) return value
+
+    const { transform } = definition
+    // 如果字段定义了 fen_to_yuan，表示API存的是分，需要转为元显示
+    // 所以提交时，元→分转换（×100）
+    if (transform === TRANSFORM_TYPES.FEN_TO_YUAN) {
+      // 元值转分值：10000 → 1000000（API存分值）
+      const numValue = parseFloat(value)
+      if (!Number.isNaN(numValue)) {
+        return Math.round(numValue * 100)
+      }
+      return value
+    }
+
+    // 默认返回原值（分值直接提交）
+    return value
+  }
+
+  /**
+   * 批量转换为分值（用于初始化表单显示）
+   *
+   * @description 将表单数据（元值）转换为分值格式（带两位小数）用于显示
+   * @param {Object} formData - 表单数据
+   * @returns {Object} 分值格式的数据
+   */
+  const batchToYuanFunc = (formData) => {
+    // 遍历所有字段，转换为元值显示格式
+    const result = {}
+    for (const [key, value] of Object.entries(formData)) {
+      const definition = PLAN_FIELD_DEFINITIONS[key]
+      if (!definition) {
+        result[key] = value
+        continue
+      }
+
+      // 如果字段定义了 fen_to_yuan，表示 API 存的是分，需要转为元显示
+      if (definition.transform === TRANSFORM_TYPES.FEN_TO_YUAN) {
+        result[key] = fenToYuan(value)
+      } else {
+        result[key] = value
+      }
+    }
+    return result
+  }
+
+  /**
+   * 批量转换为分值（用于提交 API）
+   *
+   * @description 将表单的元值数据批量转换为分值整数
+   * @param {Object} yuanData - 元值数据
+   * @returns {Object} 分值数据
+   */
+  const batchToFenFunc = (yuanData) => {
+    const result = {}
+    for (const [key, value] of Object.entries(yuanData)) {
+      const definition = PLAN_FIELD_DEFINITIONS[key]
+      if (!definition) {
+        result[key] = value
+        continue
+      }
+
+      // 元值转分值：×100
+      if (definition.transform === TRANSFORM_TYPES.FEN_TO_YUAN) {
+        const numValue = parseFloat(value)
+        if (!Number.isNaN(numValue)) {
+          result[key] = Math.round(numValue * 100)
+        } else {
+          result[key] = value
+        }
+      } else {
+        result[key] = value
+      }
+    }
+    return result
+  }
+
+  // 计算属性：表单显示数据（元值转分值显示）
+  const displayData = computed(() => {
+    return batchToYuanFunc(formData.value)
+  })
+
+  // 计算属性：API 提交数据（元值转分值）
+  const submitData = computed(() => {
+    return batchToFenFunc(formData.value)
+  })
+
+  return {
+    toYuan,
+    toFen,
+    batchToFen: batchToFenFunc, // 批量转换元→分
+    displayData, // 计算属性：表单显示数据（元值转分值显示）
+    submitData  // 计算属性：API 提交数据（元值转分值）
+  }
+}