feat: 重构定投评估工具并优化Cloud工具体验

- 重构市场定投评估逻辑：优先读取本地估值快照，必要时通过探针补抓海外数据，后端接口新增force参数支持强制刷新，更新前后端注释与交互文案
- 优化Cloud工具全链路：
  - 新增运营商登录页地址字段，支持一键复制账号密码并打开对应登录页
  - 缓存密钥派生结果，避免重复阻塞事件循环，提升列表加载性能
  - 完善接口错误处理，新增面板级加载失败提示与自动重试功能
  - 修复云资源代理转发时的Cookie缺失问题
  - 并行加载所有面板数据，优化首屏渲染速度
  - 新增登录按钮样式与错误提示样式
- 新增4个Cloud工具调试脚本，用于性能测试、解密审计、回归验证与加载耗时统计
- 启动定投评估工具的定时调度任务

src/server/index.js

@@ -4784,10 +4784,10 @@ app.get('/api/markets/weekly_report', async (req, res) => {
   }
 })
 
-// 建行定投评估：按需抓取四大指数 PE-TTM 与近10年分位（点击页面按钮触发，无定时任务）
+// 建行定投评估：A股按需评估；海外部分优先读取本地快照，必要时通过美西探针补抓并持久化
 app.get('/api/markets/dip_eval', async (req, res) => {
   try {
-    const payload = await marketsDipEval.getDipEvalReport()
+    const payload = await marketsDipEval.getDipEvalReport({ force: String(req.query.force || '') === '1' })
     // 统一 200 + ok 标志：整体失败时 ok=false，前端交互弹窗读取 error 文案
     res.json(payload || { ok: false, error: '评估失败' })
   } catch (e) {
@@ -5626,7 +5626,7 @@ app.get('/api/cloud/balance_alerts', (req, res) => {
 app.get('/api/cloud/balance_alerts/status', (req, res) => {
   ;(async () => {
     try {
-      const forwarded = await proxyCloudBalanceAutomationStatus('/api/cloud/balance_alerts/status')
+      const forwarded = await proxyCloudBalanceAutomationStatus('/api/cloud/balance_alerts/status', req)
       if (forwarded) return res.status(forwarded.status).json(forwarded.body)
       res.json({ ok: true, data: cloudBalanceWatch.getStatus() })
     } catch (e) { res.status(500).json({ ok: false, error: String(e.message || e) }) }
@@ -5665,13 +5665,15 @@ const proxyCloudBalanceAutomationRequest = async (req, routePath) => {
     })
   }
 }
-const proxyCloudBalanceAutomationStatus = async routePath => {
+const proxyCloudBalanceAutomationStatus = async (routePath, req) => {
   const cfg = cloudBalanceWatch.readConfig()
   const currentPort = Number(process.env.PORT || '8976') || 8976
   const automationPort = Number(cfg.automation_port || 8977) || 8977
   if (currentPort === automationPort) return null
   const url = `http://127.0.0.1:${automationPort}${routePath}`
+  // 必须转发 Cookie，否则 8977 的 /api/cloud 守卫会返回 401
   const proxied = await axios.get(url, {
+    headers: { Cookie: (req && req.headers && req.headers.cookie) || '' },
     timeout: 15000,
     validateStatus: () => true
   })
@@ -7376,6 +7378,7 @@ if (currentPort === marketsAutomationPort) {
 securityCalendar.startScheduler()
 securityCalendarBridge.startScheduler(securityCalendar)
 marketsWeeklyReport.startScheduler()
+marketsDipEval.startScheduler()
 globalNews.startScheduler()
 
 app.use('/api/yuanzhupai', (req, res, next) => {