feat(CEODashboard): Phase 4 - 카드/가지급금 관리 섹션 카드 API 연동

카드/가지급금 관리 섹션의 4개 카드(cm1~cm4)를 실제 API 데이터로 연동:

- cm1: 카드 사용액 - CardTransaction API (기존)
- cm2: 가지급금 - LoanDashboard API (신규 연동)
- cm3: 법인세 예상 가중 - TaxSimulation API (신규 연동)
- cm4: 대표자 종합세 예상 가중 - TaxSimulation API (신규 연동)

변경 사항:
- transformCardManagementResponse: LoanDashboard, TaxSimulation 파라미터 추가
- useCEODashboard: 3개 API 병렬 호출 (Promise.all)
- useCardManagement: 동일하게 다중 API 호출 적용
- 각 API 실패 시 fallback 데이터 사용 (graceful degradation)

src/hooks/useCEODashboard.ts

@@ -23,8 +23,15 @@ import type {
   WelfareApiResponse,
   WelfareDetailApiResponse,
   ExpectedExpenseDashboardDetailApiResponse,
+  LoanDashboardApiResponse,
+  TaxSimulationApiResponse,
 } from '@/lib/api/dashboard/types';
 
+import {
+  fetchLoanDashboard,
+  fetchTaxSimulation,
+} from '@/lib/api/dashboard/endpoints';
+
 import {
   transformDailyReportResponse,
   transformReceivableResponse,
@@ -226,8 +233,18 @@ export function useCardManagement(fallbackData?: CardManagementData) {
       setLoading(true);
       setError(null);
 
-      const apiData = await fetchApi<CardTransactionApiResponse>('card-transactions/summary');
-      const transformed = transformCardManagementResponse(apiData, fallbackData);
+      // 3개 API 병렬 호출: 카드거래, 가지급금, 세금 시뮬레이션
+      const [cardApiData, loanResponse, taxResponse] = await Promise.all([
+        fetchApi<CardTransactionApiResponse>('card-transactions/summary'),
+        fetchLoanDashboard(),
+        fetchTaxSimulation(),
+      ]);
+
+      // LoanDashboard와 TaxSimulation은 ApiResponse wrapper가 있으므로 data 추출
+      const loanData = loanResponse.success ? loanResponse.data : null;
+      const taxData = taxResponse.success ? taxResponse.data : null;
+
+      const transformed = transformCardManagementResponse(cardApiData, loanData, taxData, fallbackData);
       setData(transformed);
 
     } catch (err) {
@@ -1028,8 +1045,21 @@ export function useCEODashboard(options: UseCEODashboardOptions = {}): CEODashbo
     try {
       setCardManagementLoading(true);
       setCardManagementError(null);
-      const apiData = await fetchApi<CardTransactionApiResponse>('card-transactions/summary');
-      setCardManagementData(transformCardManagementResponse(apiData, cardManagementFallback));
+
+      // 3개 API 병렬 호출: 카드거래, 가지급금, 세금 시뮬레이션
+      const [cardApiData, loanResponse, taxResponse] = await Promise.all([
+        fetchApi<CardTransactionApiResponse>('card-transactions/summary'),
+        fetchLoanDashboard(),
+        fetchTaxSimulation(),
+      ]);
+
+      // LoanDashboard와 TaxSimulation은 ApiResponse wrapper가 있으므로 data 추출
+      const loanData = loanResponse.success ? loanResponse.data : null;
+      const taxData = taxResponse.success ? taxResponse.data : null;
+
+      setCardManagementData(
+        transformCardManagementResponse(cardApiData, loanData, taxData, cardManagementFallback)
+      );
     } catch (err) {
       setCardManagementError(err instanceof Error ? err.message : '데이터 로딩 실패');
     } finally {