Baseline: sw-business-bank 银行代扣文件传输配置能力

固定基线

sw-business-bank-api/src/main/java/cn/com/emsoft/sw/bankbusiness/enums/ApiTypeEnum.java
sw-business-bank-server/src/main/java/cn/com/emsoft/sw/bankbusiness/dal/dataobject/channelapiconfig/ChannelApiConfigExtParams.java
sw-business-bank-server/src/main/java/cn/com/emsoft/sw/bankbusiness/service/filetransfer/
sw-business-bank-server/src/main/java/cn/com/emsoft/sw/bankbusiness/service/bankwithholding/BankWithholdingServiceImpl.java
sw-business-bank-server/src/main/java/cn/com/emsoft/sw/bankbusiness/dal/dataobject/withholdingbatch/WithholdingBatchDO.java
sw-business-bank-server/src/main/java/cn/com/emsoft/sw/bankbusiness/dal/dataobject/reconcilebatch/ReconcileBatchDO.java
sw-business-bank-server/src/test/java/cn/com/emsoft/sw/bankbusiness/service/filetransfer/BankTransferPathResolverTest.java
sw-business-bank-server/src/test/java/cn/com/emsoft/sw/bankbusiness/service/bankwithholding/BankWithholdingTransferConfigTest.java

本轮实现将 BankWithholdingServiceImpl 的硬编码送盘、回盘、对账目录切换为统一解析器输出。
默认规则继续由 Spring profile + Nacos 承接；覆盖规则通过 bk_channel_api_config 的 apiType=FILE_TRANSFER_CONFIG + extParams 承接。
已落库批次的回盘目录与协议在送盘创建时固化到批次对象，后续配置切换不回溯修改旧批次。