feat(WEB): 범용 스켈레톤 시스템 구축

- GenericPageSkeleton 범용 컴포넌트 추가 (커스텀 페이지용)
- AuthenticatedLayout 스피너 → 스켈레톤으로 변경
- (protected)/loading.tsx GenericPageSkeleton 적용
- subscription, account-info 페이지 개별 스켈레톤 추가

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

src/app/[locale]/(protected)/loading.tsx

@@ -1,4 +1,4 @@
-import { ListPageSkeleton } from '@/components/ui/skeleton';
+import { GenericPageSkeleton } from '@/components/ui/skeleton';
 
 /**
  * Protected Group Loading UI
@@ -7,8 +7,12 @@ import { ListPageSkeleton } from '@/components/ui/skeleton';
  * - AuthenticatedLayout 내에서 표시됨 (사이드바, 헤더 유지)
  * - React Suspense 자동 적용
  * - 페이지 전환 시 즉각적인 피드백
- * - 스켈레톤 UI로 레이아웃 유지하며 로딩 표시
+ * - 범용 스켈레톤으로 모든 페이지 타입에 대응
+ *
+ * 참고:
+ * - 리스트 페이지: IntegratedListTemplateV2 내부에서 상세 스켈레톤 처리
+ * - 커스텀 페이지: 이 범용 스켈레톤이 표시됨
  */
 export default function ProtectedLoading() {
-  return <ListPageSkeleton />;
+  return <GenericPageSkeleton />;
 }

src/app/[locale]/(protected)/settings/account-info/page.tsx

@@ -1,9 +1,14 @@
 'use client';
 
 import { useEffect, useState } from 'react';
+import { User } from 'lucide-react';
 import { AccountInfoClient } from '@/components/settings/AccountInfoManagement';
 import { getAccountInfo } from '@/components/settings/AccountInfoManagement/actions';
 import type { AccountInfo, TermsAgreement, MarketingConsent } from '@/components/settings/AccountInfoManagement/types';
+import { PageLayout } from '@/components/organisms/PageLayout';
+import { PageHeader } from '@/components/organisms/PageHeader';
+import { Card, CardContent, CardHeader } from '@/components/ui/card';
+import { Skeleton } from '@/components/ui/skeleton';
 
 const DEFAULT_ACCOUNT_INFO: AccountInfo = {
   id: '',
@@ -44,9 +49,72 @@ export default function AccountInfoPage() {
 
   if (isLoading) {
     return (
-      <div className="flex items-center justify-center min-h-[400px]">
-        <div className="text-muted-foreground">로딩 중...</div>
-      </div>
+      <PageLayout>
+        <PageHeader
+          title="계정정보"
+          description="계정 정보를 관리합니다"
+          icon={User}
+        />
+        <div className="space-y-6">
+          {/* 계정 정보 카드 스켈레톤 */}
+          <Card>
+            <CardHeader>
+              <Skeleton className="h-5 w-24" />
+            </CardHeader>
+            <CardContent className="space-y-6">
+              <div className="space-y-2">
+                <Skeleton className="h-4 w-20" />
+                <Skeleton className="h-24 w-24 rounded-full" />
+              </div>
+              <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
+                <div className="space-y-2">
+                  <Skeleton className="h-4 w-16" />
+                  <Skeleton className="h-10 w-full" />
+                </div>
+                <div className="space-y-2">
+                  <Skeleton className="h-4 w-16" />
+                  <Skeleton className="h-10 w-20" />
+                </div>
+              </div>
+              <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
+                <div className="space-y-2">
+                  <Skeleton className="h-4 w-12" />
+                  <Skeleton className="h-10 w-full" />
+                </div>
+                <div className="space-y-2">
+                  <Skeleton className="h-4 w-12" />
+                  <Skeleton className="h-10 w-full" />
+                </div>
+              </div>
+            </CardContent>
+          </Card>
+          {/* 약관 동의 정보 카드 스켈레톤 */}
+          <Card>
+            <CardHeader>
+              <Skeleton className="h-5 w-32" />
+            </CardHeader>
+            <CardContent className="space-y-6">
+              <div className="grid grid-cols-1 md:grid-cols-2 gap-6">
+                <div className="space-y-2">
+                  <Skeleton className="h-4 w-40" />
+                  <Skeleton className="h-4 w-32" />
+                </div>
+                <div className="space-y-2">
+                  <Skeleton className="h-4 w-40" />
+                  <Skeleton className="h-4 w-32" />
+                </div>
+              </div>
+              <div className="space-y-4">
+                <Skeleton className="h-4 w-36" />
+                <div className="space-y-3 pl-4">
+                  <Skeleton className="h-5 w-full" />
+                  <Skeleton className="h-5 w-full" />
+                </div>
+              </div>
+            </CardContent>
+          </Card>
+        </div>
+      </PageLayout>
     );
   }
 

src/app/[locale]/(protected)/subscription/page.tsx

@@ -1,8 +1,13 @@
 'use client';
 
 import { useEffect, useState } from 'react';
+import { CreditCard } from 'lucide-react';
 import { SubscriptionManagement } from '@/components/settings/SubscriptionManagement';
 import { getSubscriptionData } from '@/components/settings/SubscriptionManagement/actions';
+import { PageLayout } from '@/components/organisms/PageLayout';
+import { PageHeader } from '@/components/organisms/PageHeader';
+import { Card, CardContent } from '@/components/ui/card';
+import { Skeleton } from '@/components/ui/skeleton';
 
 export default function SubscriptionPage() {
   const [data, setData] = useState<Awaited<ReturnType<typeof getSubscriptionData>>['data']>(undefined);
@@ -18,9 +23,47 @@ export default function SubscriptionPage() {
 
   if (isLoading) {
     return (
-      <div className="flex items-center justify-center min-h-[400px]">
-        <div className="text-muted-foreground">로딩 중...</div>
-      </div>
+      <PageLayout>
+        <PageHeader
+          title="구독관리"
+          description="구독 정보를 관리합니다"
+          icon={CreditCard}
+        />
+        {/* 헤더 액션 버튼 스켈레톤 */}
+        <div className="flex justify-end gap-2 mb-4">
+          <Skeleton className="h-10 w-32" />
+          <Skeleton className="h-10 w-24" />
+        </div>
+        <div className="space-y-6">
+          {/* 구독 정보 카드 그리드 스켈레톤 */}
+          <div className="grid grid-cols-1 md:grid-cols-3 gap-4">
+            {[1, 2, 3].map((i) => (
+              <Card key={i}>
+                <CardContent className="pt-6">
+                  <Skeleton className="h-4 w-24 mb-2" />
+                  <Skeleton className="h-8 w-32" />
+                </CardContent>
+              </Card>
+            ))}
+          </div>
+          {/* 구독 정보 카드 스켈레톤 */}
+          <Card>
+            <CardContent className="pt-6">
+              <Skeleton className="h-4 w-20 mb-2" />
+              <Skeleton className="h-6 w-32 mb-6" />
+              <div className="space-y-6">
+                {[1, 2, 3].map((i) => (
+                  <div key={i} className="flex items-center gap-4">
+                    <Skeleton className="h-4 w-24 flex-shrink-0" />
+                    <Skeleton className="h-2 flex-1" />
+                    <Skeleton className="h-4 w-24" />
+                  </div>
+                ))}
+              </div>
+            </CardContent>
+          </Card>
+        </div>
+      </PageLayout>
     );
   }
 

src/components/ui/skeleton.tsx

@@ -598,6 +598,65 @@ function PageHeaderSkeleton({
   );
 }
 
+// ============================================
+// 14. 범용 페이지 스켈레톤 (커스텀 페이지용)
+// ============================================
+/**
+ * 모든 페이지에 대응하는 심플한 범용 스켈레톤
+ * - 리스트 페이지: IntegratedListTemplateV2 내부에서 처리
+ * - 커스텀 페이지: 이 스켈레톤 사용 (settings, qms 등)
+ */
+function GenericPageSkeleton() {
+  return (
+    <div className="p-3 md:p-6 space-y-6 animate-pulse">
+      {/* 페이지 헤더 영역 */}
+      <div className="flex items-center gap-3">
+        <Skeleton className="h-10 w-10 rounded-lg" />
+        <div className="space-y-2">
+          <Skeleton className="h-7 w-40" />
+          <Skeleton className="h-4 w-56" />
+        </div>
+      </div>
+
+      {/* 액션 버튼 영역 */}
+      <div className="flex justify-end gap-2">
+        <Skeleton className="h-10 w-24 rounded-md" />
+        <Skeleton className="h-10 w-24 rounded-md" />
+      </div>
+
+      {/* 콘텐츠 카드 영역 */}
+      <Card>
+        <CardContent className="p-6">
+          <div className="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-3 gap-6">
+            {Array.from({ length: 6 }).map((_, i) => (
+              <div key={i} className="space-y-2">
+                <Skeleton className="h-4 w-20" />
+                <Skeleton className="h-10 w-full rounded-md" />
+              </div>
+            ))}
+          </div>
+        </CardContent>
+      </Card>
+
+      {/* 추가 콘텐츠 카드 */}
+      <Card>
+        <CardContent className="p-6">
+          <Skeleton className="h-4 w-32 mb-4" />
+          <div className="space-y-4">
+            {Array.from({ length: 3 }).map((_, i) => (
+              <div key={i} className="flex items-center gap-4">
+                <Skeleton className="h-4 w-24 flex-shrink-0" />
+                <Skeleton className="h-2 flex-1 rounded-full" />
+                <Skeleton className="h-4 w-20" />
+              </div>
+            ))}
+          </div>
+        </CardContent>
+      </Card>
+    </div>
+  );
+}
+
 // ============================================
 // Export
 // ============================================
@@ -615,4 +674,5 @@ export {
   ListPageSkeleton,
   PageHeaderSkeleton,
   ContentSkeleton,
+  GenericPageSkeleton,
 };

src/layouts/AuthenticatedLayout.tsx

@@ -477,13 +477,43 @@ export default function AuthenticatedLayout({ children }: AuthenticatedLayoutPro
   // By removing this check, we allow the component to render immediately with default values
   // and update once hydration completes through the useEffect above.
 
-  // 🔧 새로고침 시 스피너 표시 (hydration 전)
+  // 🔧 새로고침 시 스켈레톤 표시 (hydration 전)
+  // GenericPageSkeleton import는 상단에 추가 필요
   if (!isMounted) {
     return (
-      <div className="min-h-screen flex items-center justify-center bg-background">
-        <div className="text-center">
-          <div className="inline-block h-10 w-10 animate-spin rounded-full border-4 border-solid border-primary border-r-transparent mb-4"></div>
-          <p className="text-muted-foreground text-sm">로딩 중...</p>
+      <div className="min-h-screen flex flex-col w-full">
+        {/* 헤더 스켈레톤 */}
+        <div className="px-8 py-5 mx-3 mt-3 mb-0 rounded-2xl bg-muted/50 animate-pulse h-[82px]" />
+
+        {/* 사이드바 + 콘텐츠 스켈레톤 */}
+        <div className="flex flex-1 gap-3 px-3 pb-3">
+          {/* 사이드바 스켈레톤 */}
+          <div className="hidden md:block w-64 mt-3">
+            <div className="h-[calc(100vh-118px)] rounded-2xl bg-muted/50 animate-pulse" />
+          </div>
+
+          {/* 콘텐츠 스켈레톤 */}
+          <div className="flex-1 p-3 md:p-6 space-y-6 animate-pulse">
+            {/* 페이지 헤더 */}
+            <div className="flex items-center gap-3">
+              <div className="h-10 w-10 rounded-lg bg-muted" />
+              <div className="space-y-2">
+                <div className="h-7 w-40 rounded bg-muted" />
+                <div className="h-4 w-56 rounded bg-muted" />
+              </div>
+            </div>
+            {/* 콘텐츠 카드 */}
+            <div className="rounded-lg border bg-card p-6">
+              <div className="grid grid-cols-1 md:grid-cols-2 lg:grid-cols-3 gap-6">
+                {[1, 2, 3, 4, 5, 6].map((i) => (
+                  <div key={i} className="space-y-2">
+                    <div className="h-4 w-20 rounded bg-muted" />
+                    <div className="h-10 w-full rounded bg-muted" />
+                  </div>
+                ))}
+              </div>
+            </div>
+          </div>
         </div>
       </div>
     );