fix：参考金值，研听，研值工程通用通用工程公共能力，重点对比网络请求、登录认证、状态管理、本地存储、WebView、推送、版本更新、一键登录、主题/UI 等模块，确定后续统一整改方案

test/features/assets/mock_asset_repository_test.dart

@@ -0,0 +1,50 @@
+import 'package:flutter_test/flutter_test.dart';
+import 'package:jinzhi_flutter_app/common/storage/preferences_storage.dart';
+import 'package:jinzhi_flutter_app/features/assets/data/mock_asset_repository.dart';
+import 'package:shared_preferences/shared_preferences.dart';
+
+void main() {
+  setUp(() => SharedPreferences.setMockInitialValues({}));
+
+  test('account deletion stays empty after repository recreation', () async {
+    final preferences = PreferencesStorage(
+      await SharedPreferences.getInstance(),
+    );
+    final repository = MockAssetRepository(preferences);
+    final accountScope = MockAssetRepository.accountScope(userId: 'user-1');
+    final initial = repository.loadHoldings(accountScope);
+    expect(initial, isNotEmpty);
+    expect(
+      repository.loadHoldings(MockAssetRepository.guestAccountScope),
+      isNotEmpty,
+    );
+    await repository.saveHoldings(accountScope, initial);
+
+    await repository.deleteAccountHoldings(accountScope);
+    final recreated = MockAssetRepository(preferences);
+
+    expect(recreated.loadHoldings(accountScope), isEmpty);
+    expect(
+      recreated.loadHoldings(MockAssetRepository.guestAccountScope),
+      isEmpty,
+    );
+  });
+
+  test('holdings are isolated by account and deletion is scoped', () async {
+    final preferences = PreferencesStorage(
+      await SharedPreferences.getInstance(),
+    );
+    final repository = MockAssetRepository(preferences);
+    final first = MockAssetRepository.accountScope(userId: 'user-1');
+    final second = MockAssetRepository.accountScope(userId: 'user-2');
+    final firstHoldings = repository.loadHoldings(first);
+    final secondHoldings = repository.loadHoldings(second);
+    await repository.saveHoldings(first, firstHoldings.take(1).toList());
+    await repository.saveHoldings(second, secondHoldings.take(2).toList());
+
+    await repository.deleteAccountHoldings(first);
+
+    expect(repository.loadHoldings(first), isEmpty);
+    expect(repository.loadHoldings(second), hasLength(2));
+  });
+}