fix(bank-name-management): 修复 useRef 缺少初始值的 TypeScript 错误

Co-Authored-By: Claude <noreply@anthropic.com>
Co-Authored-By: Happy <yesreply@happy.engineering>

packages/bank-name-management-ui/src/components/BankNameManagement.tsx

@@ -27,7 +27,7 @@ const useDebounce = <T extends (...args: any[]) => any>(
   callback: T,
   delay: number
 ): T => {
-  const timeoutRef = useRef<ReturnType<typeof setTimeout>>()
+  const timeoutRef = useRef<ReturnType<typeof setTimeout> | undefined>(undefined)
 
   return useCallback((...args: Parameters<T>) => {
     if (timeoutRef.current) {