APP_NAME="财务 AI 助手 API" APP_VERSION=1.0.0 DEBUG=true SECRET_KEY=change-me-in-production ALLOWED_ORIGINS=http://localhost:3000 DATABASE_URL=postgresql+asyncpg://s2f_user:s2f_password@localhost:5432/s2f_db JWT_SECRET_KEY=change-me-in-production JWT_ALGORITHM=HS256 JWT_ACCESS_TOKEN_EXPIRE_MINUTES=60 OPENAI_API_KEY= OPENAI_MODEL=gpt-4-turbo-preview ZHIPU_API_KEY= AI_PROVIDER=zhipu AI_API_KEY= UPLOAD_DIR=./uploads MAX_UPLOAD_SIZE=10485760 LOG_LEVEL=INFO