Refactor credit parse to use remote HTML paths

ccdi-lsfx/src/main/java/com/ruoyi/lsfx/util/HttpUtil.java

@@ -206,6 +206,47 @@ public class HttpUtil {
         }
     }
 
+    /**
+     * 发送POST请求（application/x-www-form-urlencoded格式，带请求头）
+     * @param url 请求URL
+     * @param params 表单参数
+     * @param headers 请求头
+     * @param responseType 响应类型
+     * @return 响应对象
+     */
+    public <T> T postUrlEncodedForm(String url, Map<String, Object> params, Map<String, String> headers, Class<T> responseType) {
+        try {
+            HttpHeaders httpHeaders = createHeaders(headers);
+            httpHeaders.setContentType(MediaType.APPLICATION_FORM_URLENCODED);
+
+            MultiValueMap<String, String> body = new LinkedMultiValueMap<>();
+            if (params != null) {
+                params.forEach((key, value) -> {
+                    if (value != null) {
+                        body.add(key, value.toString());
+                    }
+                });
+            }
+
+            HttpEntity<MultiValueMap<String, String>> requestEntity = new HttpEntity<>(body, httpHeaders);
+
+            ResponseEntity<T> response = restTemplate.postForEntity(url, requestEntity, responseType);
+
+            if (!response.getStatusCode().is2xxSuccessful()) {
+                throw new LsfxApiException("API调用失败，HTTP状态码: " + response.getStatusCode());
+            }
+
+            T responseBody = response.getBody();
+            if (responseBody == null) {
+                throw new LsfxApiException("API返回数据为空");
+            }
+
+            return responseBody;
+        } catch (RestClientException e) {
+            throw new LsfxApiException("网络请求失败: " + e.getMessage(), e);
+        }
+    }
+
     /**
      * 上传文件（Multipart格式）
      * @param url 请求URL