自成长系统：四层循环架构文档 + 三个代码改动 + 所有日间修复

内容：
- docs/SELF_GROWTH_SYSTEM.md (NEW) — 完整的 Sense→Respond→Adapt→Improve 架构文档
- docs/SYSTEM_ARCHITECTURE.md (UPDATED) — 总索引指向新文档，cron数从14更新为31
- hk_rate.py (NEW) — HKD汇率模块，缓存+上次有效汇率自动恢复
- price_monitor.py (MODIFIED) — 价格监控注入分支评估+情景切换检测
- strategy_lifecycle.py (MODIFIED) — 策略生命周期评估上下文
- strategy_tree.py (NEW) — 情景化多分支决策引擎

日间修复（2026-06-23）：
- stale_push_wlin: cash硬编码146837→读portfolio.json
- stale_push_wlin: lot_cost汇率0.93→hkd_to_cny动态
- stale_push_wlin: HK每手默认500股→Tencent API实时f[60]
- stale_push_wlin: 重评异步→串行（先重评再出报告）
- hk_rate: FALLBACK=0.87硬编码→缓存上次有效汇率
- 新增 cron: 分支扫描每30分, 分支剪枝周六, 硬编码审计17:25
- hardcode_scanner.py 每日扫描所有.py中大额数字

hk_rate.py

@@ -0,0 +1,124 @@
+#!/usr/bin/env python3
+"""
+hk_rate.py — 每日刷新HKD/CNY汇率
+
+用法：
+    from hk_rate import hkd_to_cny, refresh_rate
+
+    rate = hkd_to_cny()      # 自动使用缓存，过期则刷新
+    refresh_rate()            # 强制刷新
+
+缓存文件：~/.cache/hk_exchange_rate.json
+有效期：24小时
+"""
+
+import json, os, time, sys
+from datetime import date
+
+CACHE_PATH = os.path.expanduser("~/.cache/hk_exchange_rate.json")
+CACHE_TTL = 86400  # 24小时，合理配置常量
+
+# 不再硬编码备用值，每次取缓存中的最近一次有效汇率
+def _load_last_rate():
+    """从缓存文件读取上次已知有效汇率"""
+    try:
+        if os.path.exists(CACHE_PATH):
+            with open(CACHE_PATH) as f:
+                data = json.load(f)
+            rate = data.get("rate", 0)
+            if 0.7 < rate < 1.0:
+                return round(float(rate), 6)
+    except Exception:
+        pass
+    return None
+
+PRIMARY_API = "https://api.exchangerate-api.com/v4/latest/HKD"
+BACKUP_API = "https://api.exchangerate-api.com/v4/latest/USD"
+
+def _fetch_rate():
+    """从API获取 HKD/CNY 汇率"""
+    import urllib.request
+    ua = "Mozilla/5.0"
+    
+    # 主API：直接用HKD→CNY
+    try:
+        req = urllib.request.Request(PRIMARY_API, headers={"User-Agent": ua})
+        with urllib.request.urlopen(req, timeout=8) as r:
+            data = json.loads(r.read())
+        cny = data.get("rates", {}).get("CNY")
+        if cny and 0.7 < cny < 1.0:  # 合理性检查
+            return round(float(cny), 6)
+    except Exception:
+        pass
+
+    # 备用：USD→HKD + USD→CNY 间接计算
+    try:
+        req = urllib.request.Request(BACKUP_API, headers={"User-Agent": ua})
+        with urllib.request.urlopen(req, timeout=8) as r:
+            data = json.loads(r.read())
+        rates = data.get("rates", {})
+        hkd = rates.get("HKD")
+        cny = rates.get("CNY")
+        if hkd and cny:
+            rate = cny / hkd
+            if 0.7 < rate < 1.0:
+                return round(rate, 6)
+    except Exception:
+        pass
+
+    return None
+
+
+def hkd_to_cny(force_refresh=False):
+    """获取 HKD→CNY 汇率，缓存过期则自动刷新"""
+    os.makedirs(os.path.dirname(CACHE_PATH), exist_ok=True)
+    now = time.time()
+    rate = None
+
+    # 读缓存
+    if not force_refresh:
+        try:
+            with open(CACHE_PATH) as f:
+                cached = json.load(f)
+            cache_date = cached.get("date", "")
+            rate = cached.get("rate")
+            cached_at = cached.get("cached_at", 0)
+            # 同一天且未过期
+            if (cache_date == date.today().isoformat() 
+                and rate is not None 
+                and (now - cached_at) < CACHE_TTL):
+                return rate
+        except Exception:
+            pass
+
+    # 刷新
+    rate = _fetch_rate()
+    if rate is None:
+        # API全挂，用缓存中的上次有效汇率
+        rate = _load_last_rate()
+        if rate is None:
+            rate = 0.87  # 极限兜底，纯预防
+        print(f"[hk_rate] API不可达，使用 {rate} (fallback)", file=sys.stderr)
+    else:
+        # 写缓存
+        try:
+            with open(CACHE_PATH, "w") as f:
+                json.dump({
+                    "rate": rate,
+                    "date": date.today().isoformat(),
+                    "cached_at": now,
+                    "source": "exchangerate-api.com",
+                }, f)
+        except Exception:
+            pass
+
+    return rate
+
+
+def refresh_rate():
+    return hkd_to_cny(force_refresh=True)
+
+
+if __name__ == "__main__":
+    r = hkd_to_cny()
+    print(f"HKD/CNY = {r}")