完整代码：

const LOADING_HEIGHT = 200;
function PanAndScrollView() {
  const refreshY = useSharedValue(-LOADING_HEIGHT);
  const scrollY = useSharedValue(0);
  const {height: windowHeight} = useWindowDimensions();
  const wrapperHeight = windowHeight + LOADING_HEIGHT;
  const tapGesture = Gesture.Tap()
    .onTouchesMove((_, manager) => {
      if (LOADING_HEIGHT + refreshY.value === 0) {
        manager.fail();
      } else {
        manager.activate();
      }
    })
    .maxDuration(1000000);
  const scrollGesture = Gesture.Native()
    .requireExternalGestureToFail(tapGesture);
  const panGesture = Gesture.Pan()
    .onChange(e => {
      if (scrollY.value === 0 || refreshY.value !== -LOADING_HEIGHT) {
        refreshY.value = Math.max(-LOADING_HEIGHT, refreshY.value + e.changeY);
      }
    })
    .onEnd(() => {
      if (refreshY.value !== -LOADING_HEIGHT) {
        refreshY.value = withSpring(-LOADING_HEIGHT, {
          stiffness: 300,
          overshootClamping: true,
        });
      }
    })
    .simultaneousWithExternalGesture(scrollGesture, tapGesture);
  const animatedStyle = useAnimatedStyle(() => {
    return {
      transform: [{translateY: refreshY.value}],
    };
  });
  const scrollHandler = useAnimatedScrollHandler({
    onScroll: e => {
      scrollY.value = e.contentOffset.y;
    },
  });
  return (
    <GestureDetector gesture={panGesture}>
      <Animated.View style={[{height: wrapperHeight}, animatedStyle]}>
        <Text style={{height: LOADING_HEIGHT,}}>
          loading...
        </Text>
        <GestureDetector
          gesture={Gesture.Simultaneous(scrollGesture, tapGesture)}>
          <Animated.ScrollView  onScroll={scrollHandler} scrollEventThrottle={1}>
             {Array(100).fill(1).map((_, index) => (<Text key={index}>{index}</Text>))}
          </Animated.ScrollView>
        </GestureDetector>
      </Animated.View>
    </GestureDetector>
  );
}