perf: 优化各 Tab 数据加载为按需请求

MarketDataView (股票行情):
- 初始只加载 summary + tradeData（2个接口）
- funding/bigDeal/unusual/pledge 数据在切换 Tab 时按需加载
- 新增 loadDataByType 方法支持懒加载

FinancialPanorama (财务全景):
- 初始只加载 stockInfo + metrics + comparison + mainBusiness（4个接口）
- 从9个接口优化到4个接口

🤖 Generated with [Claude Code](https://claude.com/claude-code)

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

src/components/SubTabContainer/index.tsx

@@ -31,6 +31,8 @@ import {
   HStack,
   Text,
   Spacer,
+  Center,
+  Spinner,
 } from '@chakra-ui/react';
 import type { ComponentType } from 'react';
 import type { IconType } from 'react-icons';
@@ -311,7 +313,18 @@ const SubTabContainer: React.FC<SubTabContainerProps> = memo(({
             return (
               <TabPanel key={tab.key} p={0}>
                 {shouldRender && Component ? (
-                  <Suspense fallback={null}>
+                  <Suspense
+                    fallback={
+                      <Center py={20}>
+                        <Spinner
+                          size="lg"
+                          color={DEEP_SPACE.textGold}
+                          thickness="3px"
+                          speed="0.8s"
+                        />
+                      </Center>
+                    }
+                  >
                     <Component {...componentProps} />
                   </Suspense>
                 ) : null}