feat(api): 更新代销平台 API v0.1，增强适当性检查功能

- 在 `risk_suitability_log` 表中新增 `check_source` 枚举值 `platform`，支持代销平台的适当性检查。
- 更新相关 SQL 脚本以适应新的数据结构，确保数据一致性。
- 修改文档以反映 API 的最新状态和测试基线，确保文档与实现保持一致。
- 测试基线更新至 530 passed, 0 skipped，确保系统稳定性。

此更新为代销平台提供了更全面的适当性检查能力，提升了系统的功能性与可维护性。

scripts/dev/run_sql_file.py

@@ -0,0 +1,51 @@
+"""Execute a UTF-8 SQL file via mysql CLI (avoids Windows pipe encoding loss)."""
+
+from __future__ import annotations
+
+import subprocess
+import sys
+from pathlib import Path
+
+ROOT = Path(__file__).resolve().parents[2]
+
+
+def _load_env_password() -> tuple[str, str, str]:
+    host, user, password = "127.0.0.1", "root", ""
+    env_path = ROOT / ".env"
+    if env_path.exists():
+        for line in env_path.read_text(encoding="utf-8").splitlines():
+            line = line.strip()
+            if line.startswith("MYSQL_HOST="):
+                host = line.split("=", 1)[1].strip()
+            elif line.startswith("MYSQL_USER="):
+                user = line.split("=", 1)[1].strip()
+            elif line.startswith("MYSQL_PASSWORD="):
+                password = line.split("=", 1)[1].strip()
+    return host, user, password
+
+
+def main() -> None:
+    if len(sys.argv) != 2:
+        raise SystemExit("usage: run_sql_file.py <path.sql>")
+    path = Path(sys.argv[1]).resolve()
+    if not path.is_file():
+        raise SystemExit(f"file not found: {path}")
+    host, user, password = _load_env_password()
+    if not password:
+        raise SystemExit("MYSQL_PASSWORD missing in .env")
+    sql = path.read_text(encoding="utf-8")
+    proc = subprocess.run(
+        ["mysql", "-h", host, "-u", user, f"-p{password}", "--default-character-set=utf8mb4"],
+        input=sql.encode("utf-8"),
+        capture_output=True,
+    )
+    if proc.stdout:
+        sys.stdout.buffer.write(proc.stdout)
+    if proc.returncode != 0:
+        if proc.stderr:
+            sys.stderr.buffer.write(proc.stderr)
+        raise SystemExit(proc.returncode)
+
+
+if __name__ == "__main__":
+    main()