refactor(api): 重构信用模块API请求和数据作用域逻辑

- 将companyId API中的参数处理改为查询字符串拼接方式
- 优化数据作用域工具函数，改用Taro存储并增加H5降级方案
- 统一所有信用相关API的响应数据结构访问方式
- 将API请求方法调用格式统一为更简洁的形式
- 修改文件上传接口的headers字段名为header以适配Taro
- 更新批量删除接口的数据传递方式为直接传递数组参数

src/utils/permission.ts

@@ -0,0 +1,63 @@
+import Taro from '@tarojs/taro'
+
+type StoredRole = { roleCode?: string; roleName?: string }
+type StoredUser = {
+  userId?: number
+  roleCode?: string
+  roleName?: string
+  roles?: StoredRole[]
+  isAdmin?: boolean | number | string
+  isSuperAdmin?: boolean | number | string
+}
+
+const safeParseJSON = <T,>(v: any): T | null => {
+  try {
+    if (!v) return null
+    if (typeof v === 'object') return v as T
+    if (typeof v === 'string') return JSON.parse(v) as T
+    return null
+  } catch (_e) {
+    return null
+  }
+}
+
+export function getStoredUser(): StoredUser | null {
+  try {
+    const raw = Taro.getStorageSync('User')
+    return safeParseJSON<StoredUser>(raw)
+  } catch (_e) {
+    return null
+  }
+}
+
+export function hasRole(roleCode: string): boolean {
+  const code = String(roleCode || '').trim()
+  if (!code) return false
+
+  const user = getStoredUser()
+  if (!user) return false
+
+  if (String(user.roleCode || '').trim() === code) return true
+  if (Array.isArray(user.roles) && user.roles.some(r => String(r?.roleCode || '').trim() === code)) return true
+
+  // Fallback: some backends only expose roleName; keep it permissive for common admin codes.
+  const name = String(user.roleName || '').trim()
+  if (code === 'superAdmin' && (user as any)?.isSuperAdmin) return true
+  if (code === 'admin' && (user as any)?.isAdmin) return true
+  if (name && name.toLowerCase().includes(code.toLowerCase())) return true
+
+  return false
+}
+
+export function isAdmin(): boolean {
+  const user = getStoredUser()
+  const v: any = user?.isAdmin
+  return v === true || v === 1 || v === '1'
+}
+
+export function isSuperAdmin(): boolean {
+  const user = getStoredUser()
+  const v: any = user?.isSuperAdmin
+  return v === true || v === 1 || v === '1'
+}
+