refactor(plan): 提取提交数据转换逻辑为独立工具函数

将 PlanFormContainer 中内联的金额转换逻辑抽取到
planSubmitTransformers.js，支持函数式和字符串式 transform 策略，
新增 withdrawal_stages 字段的分转元转换。

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

@@ -50,6 +50,10 @@ import SavingsTemplate from './PlanTemplates/SavingsTemplate.vue'
 import { PLAN_TEMPLATES } from '@/config/plan-templates'
 import { addAPI } from '@/api/plan'
 import { useFieldValueTransform } from '@/composables/useFieldValueTransform'
+import {
+  transformSubmitValue,
+  transformWithdrawalStagesForSubmit
+} from '@/utils/planSubmitTransformers'
 
 /**
  * 组件属性
@@ -280,6 +284,7 @@ const submit = async () => {
       withdrawal_method: { api_field: 'withdrawal_method' },
       annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
       annual_increase_percentage: { api_field: 'annual_increase_percentage' },
+      withdrawal_stages: { api_field: 'withdrawal_stages', transform: transformWithdrawalStagesForSubmit },
       withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
       withdrawal_period_specified: { api_field: 'withdrawal_period' },
       withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },
@@ -301,10 +306,12 @@ const submit = async () => {
       if (mapping) {
         const apiField = typeof mapping === 'string' ? mapping : mapping.api_field
         let value = formData.value[key]
-        // 金额字段从分转换为元
-        if (typeof mapping === 'object' && mapping.transform === 'fen_to_yuan' && value !== null && value !== undefined && value !== '') {
-          value = toYuan(key, value)
-        }
+        value = transformSubmitValue({
+          fieldKey: key,
+          value,
+          mapping,
+          toYuan
+        })
         requestData[apiField] = value
       } else {
         requestData[key] = formData.value[key]

@@ -34,6 +34,8 @@
  *   form_sn: "life-insurance-wiop3e"  // 对应下面的配置 key
  * }
  */
+import { transformWithdrawalStagesForSubmit } from '@/utils/planSubmitTransformers'
+
 // 基础提交字段映射（适用于人寿/重疾等通用表单）
 const baseSubmitMapping = {
   customer_name: { api_field: 'customer_name' },
@@ -76,6 +78,7 @@ const savingsSubmitMapping = {
   withdrawal_method: { api_field: 'withdrawal_method' },
   annual_withdrawal_amount: { api_field: 'annual_withdrawal_amount', transform: 'fen_to_yuan' },
   annual_increase_percentage: { api_field: 'annual_increase_percentage' },
+  withdrawal_stages: { api_field: 'withdrawal_stages', transform: transformWithdrawalStagesForSubmit },
   withdrawal_start_age_specified: { api_field: 'withdrawal_start_age' },
   withdrawal_period_specified: { api_field: 'withdrawal_period' },
   withdrawal_start_age_fixed: { api_field: 'withdrawal_start_age' },

+import { describe, expect, it, vi } from 'vitest'
+import {
+  transformSubmitValue,
+  transformWithdrawalStagesForSubmit
+} from '../planSubmitTransformers'
+
+describe('transformWithdrawalStagesForSubmit', () => {
+  it('should convert withdrawal stage amount from fen to yuan', () => {
+    const result = transformWithdrawalStagesForSubmit([
+      {
+        annual_withdrawal_amount: 12300,
+        withdrawal_start_age: 18,
+        withdrawal_period: '1年',
+        annual_increase_percentage: '12'
+      }
+    ])
+
+    expect(result).toEqual([
+      {
+        annual_withdrawal_amount: '123.00',
+        withdrawal_start_age: 18,
+        withdrawal_period: '1年',
+        annual_increase_percentage: '12'
+      }
+    ])
+  })
+
+  it('should keep empty stage amount unchanged', () => {
+    const result = transformWithdrawalStagesForSubmit([
+      {
+        annual_withdrawal_amount: null,
+        withdrawal_start_age: 18
+      }
+    ])
+
+    expect(result[0].annual_withdrawal_amount).toBeNull()
+  })
+})
+
+describe('transformSubmitValue', () => {
+  it('should use fen_to_yuan mapping for simple amount fields', () => {
+    const toYuan = vi.fn().mockReturnValue('123.00')
+
+    const result = transformSubmitValue({
+      fieldKey: 'annual_withdrawal_amount',
+      value: 12300,
+      mapping: {
+        api_field: 'annual_withdrawal_amount',
+        transform: 'fen_to_yuan'
+      },
+      toYuan
+    })
+
+    expect(result).toBe('123.00')
+    expect(toYuan).toHaveBeenCalledWith('annual_withdrawal_amount', 12300)
+  })
+
+  it('should use custom mapping transform for withdrawal stages', () => {
+    const result = transformSubmitValue({
+      fieldKey: 'withdrawal_stages',
+      value: [
+        {
+          annual_withdrawal_amount: 12300,
+          withdrawal_start_age: 18
+        }
+      ],
+      mapping: {
+        api_field: 'withdrawal_stages',
+        transform: transformWithdrawalStagesForSubmit
+      },
+      toYuan: vi.fn()
+    })
+
+    expect(result).toEqual([
+      {
+        annual_withdrawal_amount: '123.00',
+        withdrawal_start_age: 18
+      }
+    ])
+  })
+})

+import { TRANSFORM_TYPES } from '@/config/plan-fields'
+import { fenToYuan } from './planFieldTransformers'
+
+const hasValue = (value) => value !== null && value !== undefined && value !== ''
+
+export function transformWithdrawalStagesForSubmit(value) {
+  if (!Array.isArray(value)) {
+    return value
+  }
+
+  return value.map(stage => {
+    if (!stage || typeof stage !== 'object') {
+      return stage
+    }
+
+    return {
+      ...stage,
+      annual_withdrawal_amount: hasValue(stage.annual_withdrawal_amount)
+        ? fenToYuan(stage.annual_withdrawal_amount)
+        : stage.annual_withdrawal_amount
+    }
+  })
+}
+
+export function transformSubmitValue({ fieldKey, value, mapping, toYuan }) {
+  if (!mapping || typeof mapping === 'string') {
+    return value
+  }
+
+  if (typeof mapping.transform === 'function') {
+    return mapping.transform(value, { fieldKey, mapping, toYuan })
+  }
+
+  if (mapping.transform === TRANSFORM_TYPES.FEN_TO_YUAN && hasValue(value)) {
+    return toYuan(fieldKey, value)
+  }
+
+  return value
+}