diff --git a/.env.development b/.env.development
index c63e8a0..dbc4a6b 100644
--- a/.env.development
+++ b/.env.development
@@ -2,3 +2,4 @@ VITE_API_BASE_URL=http://localhost:8888
 VITE_H5_QRCODE_BASE_URL=http://www.baidu.com
 VITE_H5_QRCODE_PATH=/mobile/personal-open
 VITE_H5_QRCODE_PATH_ENTERPRISE=/mobile/enterprise-open
+VITE_H5_QRCODE_PATH_LOAN=/mobile/loan-application
diff --git a/.env.production b/.env.production
index 0839c93..334bd15 100644
--- a/.env.production
+++ b/.env.production
@@ -2,3 +2,4 @@ VITE_API_BASE_URL=
 VITE_H5_QRCODE_BASE_URL=
 VITE_H5_QRCODE_PATH=/mobile/personal-open
 VITE_H5_QRCODE_PATH_ENTERPRISE=/mobile/enterprise-open
+VITE_H5_QRCODE_PATH_LOAN=/mobile/loan-application
diff --git a/src/api/baseConfig.js b/src/api/baseConfig.js
index 6b29af4..2feaefd 100644
--- a/src/api/baseConfig.js
+++ b/src/api/baseConfig.js
@@ -44,3 +44,11 @@ export const fetchDictItemTreeApi = (dictTypeCode) =>
 export const createDictItemApi = (data) => request.post('/api/dict-management/dict-item/create', data)
 export const updateDictItemApi = (data) => request.post('/api/dict-management/dict-item/update', data)
 export const deleteDictItemApi = (data) => request.post('/api/dict-management/dict-item/delete', data)
+
+// ---------------- 行政区划(省/市/区县/乡镇/村,懒加载逐级查询) ----------------
+// GET /api/base-config/administrative-division/children?parentCode=&level=
+// level:1=省 2=地市 3=区县 4=乡镇/街道 5=村/居委会(查第一级即省级时 parentCode 传空字符串)。
+// 用于个人贷款申请"户籍/常住地市"五级级联选择(AdministrativeDivisionCascader.vue),
+// 提交给后端的是选中的最深一级叶子节点的 zoningCode(统计用区划代码字符串)。
+export const fetchAdministrativeDivisionChildrenApi = (parentCode, level) =>
+  request.get('/api/base-config/administrative-division/children', { params: { parentCode: parentCode || '', level } })
diff --git a/src/api/credit.js b/src/api/credit.js
index 719f29a..8eef80a 100644
--- a/src/api/credit.js
+++ b/src/api/credit.js
@@ -19,3 +19,10 @@ export const updateEnterpriseLoanApplicationApi = (data) =>
 
 // 注:confirm 接口(/api/credit-apply/loan-application/confirm)语义为"申请人微信扫码确认",
 // 需短信验证码+人脸识别,属移动端客户操作流程,不在本管理后台前端实现范围,不在此导出。
+
+// 贷款产品查询(用于"贷款产品"选择弹窗 LoanProductPicker.vue):后端目前没有任何贷款产品
+// 列表/字典查询接口(已在《缺失的后端接口.md》第28条登记),这里按与本文件其它 credit-apply
+// 接口一致的命名风格假定一个契约,方便后端后续对齐实现;若接口暂未提供,调用会失败,弹窗内已
+// 同时提供"手动输入产品编号"兜底入口,不阻塞柜员录入。入参/出参字段为前端假定,以实际后端
+// 实现为准,登记于《缺失的后端接口.md》第135条。
+export const fetchLoanProductListApi = (data) => request.post('/api/credit-apply/loan-product/list', data)
diff --git a/src/api/customer.js b/src/api/customer.js
index 850348e..05ef4bb 100644
--- a/src/api/customer.js
+++ b/src/api/customer.js
@@ -21,6 +21,15 @@ export const uploadCustomerFileApi = (data, channelNo) =>
 export const faceRecognizeApi = (data, channelNo) =>
   request.post('/api/customer-info/personal/face-recognize', data, { channelNo })
 
+// 银行协议模板(base64 PDF):按 fileType 获取浙江稠州商业银行业务协议/授权书模板文件,
+// 转 base64 返回给前端。此前仅 fryl_h5(移动端)有此封装(src/api/personalOpen.js),
+// 个人贷款申请页面(PersonalLoanForm.vue)"本人已阅读并同意"协议预览需要复用同一接口,
+// 故在主项目补充这份封装。fileType 取值见 BankAgreementFileTypeEnum:
+// PAY_SERVICE_AGREEMENT/PAY_SERVICE_PRIVACY/CREDIT_REPORT_AUTH/THIRD_PARTY_DATA_AUTH。
+// 响应 data:{ fileType, fileName, fileContent(base64) }。
+export const fetchBankAgreementApi = (fileType) =>
+  request.get('/api/customer-info/bank-agreement/base64', { params: { fileType } })
+
 // ---------------- 企业客户 ----------------
 export const fetchEnterpriseCustomerPageApi = (data) => request.post('/api/enterprise-customer/page', data)
 export const fetchEnterpriseCustomerDetailApi = (data) => request.post('/api/enterprise-customer/detail', data)
diff --git a/src/components/AdministrativeDivisionCascader.vue b/src/components/AdministrativeDivisionCascader.vue
new file mode 100644
index 0000000..6d7dd66
--- /dev/null
+++ b/src/components/AdministrativeDivisionCascader.vue
@@ -0,0 +1,131 @@
+<!-- src/components/AdministrativeDivisionCascader.vue -->
+<!-- 个人贷款申请"户籍/常住地市"五级行政区划级联选择器(省/市/区县/乡镇街道/村居委会)。
+     与 src/components/RegionCascader.vue(静态 npm 包 china-division,仅省市区三级)不同,
+     本组件基于后端接口 GET /api/base-config/administrative-division/children 逐级懒加载
+     (parentCode + level,level 1~5,5=村/居委会),不预加载整棵树。
+
+     对外只暴露"最终选中的最深一级叶子节点的 zoningCode(统计用区划代码字符串)"这一个标量值
+     (v-model:value),不是路径数组——与业务提交字段(registeredCity)的取值约定一致。回显时
+     (编辑/查看已有申请)只拿到这个叶子 code,需要沿着"子级 code 必然以父级 code 为前缀"的
+     假设,从省级开始逐级查询并按前缀匹配反查出完整路径,重建 a-cascader 的选中链路展示;
+     若某一级查询不到匹配项(如字典数据变更/网络异常),回显会中断在能匹配到的最深一级,
+     不阻断整体展示。 -->
+<template>
+  <a-cascader
+    :value="internalPath"
+    :options="options"
+    :load-data="loadData"
+    :placeholder="placeholder"
+    :disabled="disabled"
+    :allow-clear="allowClear"
+    style="width: 100%"
+    @change="handleChange"
+  />
+</template>
+
+<script setup>
+import { ref, watch, onMounted } from 'vue'
+import { fetchAdministrativeDivisionChildrenApi } from '@/api/baseConfig'
+
+const props = defineProps({
+  // 最终选中的叶子节点 zoningCode(统计用区划代码字符串),不是路径数组
+  value: { type: String, default: undefined },
+  placeholder: { type: String, default: '请选择所属地区' },
+  disabled: { type: Boolean, default: false },
+  allowClear: { type: Boolean, default: true }
+})
+const emit = defineEmits(['update:value', 'update:text'])
+
+// a-cascader 内部展示用的选中链路(code 数组),受控组件模式,由 handleChange/resolveInitialPath 维护
+const internalPath = ref(undefined)
+const options = ref([])
+
+function mapItems(list, level) {
+  return (list || []).map((item) => ({
+    value: item.zoningCode,
+    label: item.zoningName,
+    level,
+    isLeaf: level >= 5
+  }))
+}
+
+async function fetchLevel(parentCode, level) {
+  const res = await fetchAdministrativeDivisionChildrenApi(parentCode, level)
+  if (res.data?.code !== 200) return []
+  return mapItems(res.data.data, level)
+}
+
+// a-cascader 展开某一级节点且该节点尚无 children 时触发;若查询结果为空(如该乡镇下无村居数据),
+// 将该节点就地标记为 isLeaf,允许用户直接选中它作为最终值,不强行要求凑满5级
+async function loadData(selectedOptions) {
+  const target = selectedOptions[selectedOptions.length - 1]
+  target.loading = true
+  try {
+    const children = await fetchLevel(target.value, target.level + 1)
+    if (!children.length) {
+      target.isLeaf = true
+    } else {
+      target.children = children
+    }
+  } finally {
+    target.loading = false
+  }
+}
+
+function handleChange(pathValues, selectedOptions) {
+  const leaf = pathValues && pathValues.length ? pathValues[pathValues.length - 1] : undefined
+  internalPath.value = pathValues && pathValues.length ? pathValues : undefined
+  emit('update:value', leaf)
+  emit('update:text', (selectedOptions || []).map((o) => o.label).join('/'))
+}
+
+// 根据叶子 zoningCode 反查完整路径:从省级开始逐级查询,按"子级code以父级code为前缀"匹配,
+// 边查边把结果挂到 options 树上对应父节点的 children,使 a-cascader 能正确展示每一级中文标签
+async function resolveInitialPath(leafCode) {
+  if (!leafCode) {
+    internalPath.value = undefined
+    return
+  }
+  let parentCode = ''
+  let level = 1
+  let currentList = options.value.length ? options.value : await fetchLevel('', 1)
+  if (!options.value.length) options.value = currentList
+  const path = []
+  let parentNode = null
+  while (level <= 5) {
+    const match = currentList.find((item) => item.value === leafCode || leafCode.startsWith(item.value))
+    if (!match) break
+    path.push(match.value)
+    if (match.value === leafCode) break
+    parentCode = match.value
+    parentNode = match
+    level += 1
+    if (!parentNode.children) {
+      parentNode.children = await fetchLevel(parentCode, level)
+    }
+    currentList = parentNode.children
+    if (!currentList.length) break
+  }
+  internalPath.value = path.length ? path : undefined
+}
+
+onMounted(async () => {
+  if (props.value) {
+    await resolveInitialPath(props.value)
+  } else if (!options.value.length) {
+    options.value = await fetchLevel('', 1)
+  }
+})
+
+// 详情/编辑页数据是异步加载的(先渲染组件、后填充 value),需要监听外部传入值的变化重新解析路径;
+// 用户在组件内部手动选择时也会走 handleChange 更新 internalPath,这里只处理"外部赋值"场景,
+// 通过比较 leaf 是否与当前路径末尾一致避免手动选择后被自身触发的 update:value 又反向重置一遍
+watch(
+  () => props.value,
+  (val) => {
+    const currentLeaf = internalPath.value?.[internalPath.value.length - 1]
+    if (val === currentLeaf) return
+    resolveInitialPath(val)
+  }
+)
+</script>
diff --git a/src/components/LicenseUpload.vue b/src/components/LicenseUpload.vue
index ef33c09..0e6c156 100644
--- a/src/components/LicenseUpload.vue
+++ b/src/components/LicenseUpload.vue
@@ -19,11 +19,11 @@
           </template>
         </div>
       </div>
-      <div v-else>
-        <LoadingOutlined v-if="uploading" />
-        <PlusOutlined v-else />
-        <div class="upload-text">上传营业执照</div>
-      </div>
+        <div v-else>
+          <LoadingOutlined v-if="uploading" />
+          <PlusOutlined v-else />
+          <div class="upload-text">{{ uploadText }}</div>
+        </div>
     </a-upload>
     <div v-if="!channelNo" class="hint">请先选择所属渠道</div>
 
@@ -43,7 +43,11 @@ import { uploadCustomerFileApi } from '@/api/customer'
 const props = defineProps({
   channelNo: { type: String, default: undefined },
   // 只读态(查看详情):图片区域只保留预览,隐藏重新上传/删除操作
-  readonly: { type: Boolean, default: false }
+  readonly: { type: Boolean, default: false },
+  // 空态占位文案:默认"上传营业执照"(历史默认用途),部分调用场景(如个人贷款申请的
+  // "代付情况说明"影像项)复用本组件承载不同性质的文件,需按实际展示内容自定义该文案,
+  // 避免出现"上传营业执照"这类与实际用途不符的误导性提示。
+  uploadText: { type: String, default: '上传营业执照' }
 })
 // update:uploading 用于告知父组件当前上传是否仍在进行,父组件应据此阻止在上传完成前提交表单,
 // 否则会出现 fileNo 尚未写回 form 就已提交、导致 businessLicenseFileNo 传空的竞态问题
diff --git a/src/components/LoanProductPicker.vue b/src/components/LoanProductPicker.vue
new file mode 100644
index 0000000..b146689
--- /dev/null
+++ b/src/components/LoanProductPicker.vue
@@ -0,0 +1,98 @@
+<!-- src/components/LoanProductPicker.vue -->
+<!-- 个人贷款申请"贷款产品"选择弹窗。后端目前没有任何贷款产品列表/字典查询接口(已在
+     《缺失的后端接口.md》第28条登记,第135条补充记录本弹窗现状),fetchLoanProductListApi
+     对应的 /api/credit-apply/loan-product/list 是前端假定的契约,接口不存在时查询会失败;
+     弹窗内在列表查询区下方常驻提供"手动输入产品编号"入口,不管后端接口是否已实现都能完成
+     选择,接口实现后列表区自然可用,不需要再改动本组件结构。 -->
+<template>
+  <a-modal v-model:open="open" title="选择贷款产品" width="720px" :footer="null">
+    <a-alert
+      v-if="loadError"
+      type="warning"
+      show-icon
+      message="贷款产品查询接口暂不可用,可在下方手动输入产品编号完成选择"
+      style="margin-bottom: 12px"
+    />
+    <ProTable
+      :columns="columns"
+      :fetch-data="loadList"
+      :row-selection="false"
+      :initial-search="{ productCode: '', productName: '' }"
+    >
+      <template #search="{ form }">
+        <a-form-item label="产品编号">
+          <a-input v-model:value="form.productCode" placeholder="请输入产品编号" allow-clear style="width: 160px" />
+        </a-form-item>
+        <a-form-item label="产品名称">
+          <a-input v-model:value="form.productName" placeholder="请输入产品名称" allow-clear style="width: 160px" />
+        </a-form-item>
+      </template>
+      <template #bodyCell="{ column, record, index }">
+        <template v-if="column.dataIndex === 'index'">{{ index + 1 }}</template>
+        <template v-else-if="column.dataIndex === 'action'">
+          <a @click="handleSelect(record)">选择</a>
+        </template>
+      </template>
+    </ProTable>
+
+    <a-divider>手动输入产品编号</a-divider>
+    <a-space>
+      <a-input v-model:value="manualCode" placeholder="请输入贷款产品编号" style="width: 240px" />
+      <a-button type="primary" :disabled="!manualCode" @click="handleManualConfirm">确定</a-button>
+    </a-space>
+  </a-modal>
+</template>
+
+<script setup>
+import { ref } from 'vue'
+import ProTable from '@/components/ProTable.vue'
+import { fetchLoanProductListApi } from '@/api/credit'
+
+// select 事件携带 { loanProductCode, loanProductName? }:列表选择时两者都有,
+// 手动输入时只有 loanProductCode
+const emit = defineEmits(['select'])
+
+const open = ref(false)
+const loadError = ref(false)
+const manualCode = ref('')
+
+const columns = [
+  { title: '序号', dataIndex: 'index', width: 60 },
+  { title: '产品编号', dataIndex: 'productCode' },
+  { title: '产品名称', dataIndex: 'productName' },
+  { title: '操作', dataIndex: 'action', width: 80 }
+]
+
+async function loadList(params) {
+  try {
+    const res = await fetchLoanProductListApi(params)
+    if (res.data.code === 200) {
+      loadError.value = false
+      return { list: res.data.data.records || [], total: res.data.data.total || 0 }
+    }
+    loadError.value = true
+    return { list: [], total: 0 }
+  } catch {
+    loadError.value = true
+    return { list: [], total: 0 }
+  }
+}
+
+function handleSelect(record) {
+  emit('select', { loanProductCode: record.productCode, loanProductName: record.productName })
+  open.value = false
+}
+
+function handleManualConfirm() {
+  if (!manualCode.value) return
+  emit('select', { loanProductCode: manualCode.value })
+  manualCode.value = ''
+  open.value = false
+}
+
+function show() {
+  open.value = true
+}
+
+defineExpose({ show })
+</script>
diff --git a/src/components/WalletAccountPicker.vue b/src/components/WalletAccountPicker.vue
index 3fc4c36..fba0f14 100644
--- a/src/components/WalletAccountPicker.vue
+++ b/src/components/WalletAccountPicker.vue
@@ -1,15 +1,24 @@
 <!-- src/components/WalletAccountPicker.vue -->
 <!-- 通用钱包账户选择弹窗:查询 /api/wallet-account/page,按客户名称/账号/账户类型筛选,
      选择后 emit 完整记录(含 accountNo/accountName/accountType/mainAccountNo/customerNo)。
-     用于商户管理(选择主体钱包/担保人账户)、发票管理(选择收款/归集账户)等需要引用
-     "已开立钱包账户"的场景,避免各处重复实现同一套弹窗逻辑。 -->
+     用于商户管理(选择主体钱包/担保人账户)、发票管理(选择收款/归集账户)、个人贷款申请
+     (选择贷款申请人钱包/经营企业钱包)等需要引用"已开立钱包账户"的场景,避免各处重复实现
+     同一套弹窗逻辑。
+
+     customerType(可选,'PERSONAL'/'ENTERPRISE'):按客户类型固定过滤。业务确认
+     `/api/wallet-account/page` 请求体的 `accountType` 字段,除了后端响应 `WalletAccountVo`
+     里代表"账户子类型"(A1主账户/A2/A3/A6保证金/A7分户,swagger 已声明为 AccountTypeEnum)外,
+     在**查询入参**场景还复用同一字段名传 `PERSONAL`/`ENTERPRISE` 做客户类型过滤——这是业务口头
+     确认的取值,swagger 对请求体 `accountType` 未声明枚举(纯 `string`),不是文档化契约。同一个
+     请求只有一个 `accountType` 字段,客户类型过滤和账户子类型(A1~A7)筛选不能同时生效,故设置
+     `customerType` 后会隐藏原有的"账户类型(A1~A7)"筛选框,固定按 `customerType` 查询。 -->
 <template>
-  <a-modal v-model:open="open" title="选择钱包账户" width="900px" :footer="null">
+  <a-modal v-model:open="open" :title="title" width="900px" :footer="null">
     <ProTable
       :columns="columns"
       :fetch-data="loadList"
       :row-selection="false"
-      :initial-search="{ accountName: '', accountNo: '', accountType: undefined }"
+      :initial-search="{ accountName: '', accountNo: '', accountType: customerType }"
     >
       <template #search="{ form }">
         <a-form-item label="客户名称">
@@ -18,7 +27,7 @@
         <a-form-item label="账号">
           <a-input v-model:value="form.accountNo" placeholder="请输入账号" allow-clear style="width: 180px" />
         </a-form-item>
-        <a-form-item label="账户类型">
+        <a-form-item v-if="!customerType" label="账户类型">
           <a-select v-model:value="form.accountType" placeholder="请选择账户类型" allow-clear style="width: 140px">
             <a-select-option v-for="opt in accountTypeOptions" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
           </a-select>
@@ -43,6 +52,12 @@ import ProTable from '@/components/ProTable.vue'
 import StatusTag from '@/components/StatusTag.vue'
 import { fetchWalletAccountPageApi } from '@/api/wallet'
 
+const props = defineProps({
+  title: { type: String, default: '选择钱包账户' },
+  // 'PERSONAL'(个人钱包)/'ENTERPRISE'(企业钱包),见组件顶部注释;不传则保留原有的
+  // "账户类型(A1~A7)"筛选行为,不做客户类型区分
+  customerType: { type: String, default: undefined }
+})
 const emit = defineEmits(['select'])
 
 const open = ref(false)
@@ -73,7 +88,9 @@ const columns = [
 ]
 
 async function loadList(params) {
-  const res = await fetchWalletAccountPageApi(params)
+  // customerType 固定时始终以它为准,忽略(已隐藏的)搜索表单里的 accountType 值
+  const query = props.customerType ? { ...params, accountType: props.customerType } : params
+  const res = await fetchWalletAccountPageApi(query)
   if (res.data.code === 200) {
     return { list: res.data.data.records || [], total: res.data.data.total || 0 }
   }
@@ -91,3 +108,4 @@ function show() {
 
 defineExpose({ show })
 </script>
+
diff --git a/src/constants/creditEnums.js b/src/constants/creditEnums.js
index 7e813bd..2eba857 100644
--- a/src/constants/creditEnums.js
+++ b/src/constants/creditEnums.js
@@ -123,3 +123,34 @@ export const LOAN_APPLICATION_STATUS_OPTIONS = [
   { value: "APPLY_FAILED", label: "申请失败" }
 ]
 
+// 个人贷款申请"本人已阅读并同意"协议链接对应的银行协议模板 fileType(BankAgreementFileTypeEnum,
+// 取自 swagger,与 fryl_h5/src/constants/enums.js 的 BANK_AGREEMENT_FILE_TYPE_LABELS 同源但
+// 该文件只列了 PAY_SERVICE_AGREEMENT/PAY_SERVICE_PRIVACY 两项,这里补充贷款场景实际用到的
+// CREDIT_REPORT_AUTH/THIRD_PARTY_DATA_AUTH 两项标签,详见《缺失的后端接口.md》第112条)。
+export const BANK_AGREEMENT_FILE_TYPE_LABELS = {
+  CREDIT_REPORT_AUTH: "个人信用信息报送查询使用授权书",
+  THIRD_PARTY_DATA_AUTH: "第三方数据信息查询和使用授权书"
+}
+
+// 影像资料上传时提交给 LoanApplicationImageBto.fileType 的取值:身份证正面/身份证反面沿用
+// swagger description 里给出的中文自由文本("身份证正面"/"身份证反面"),经营证明按业务方
+// 给定的编码约定传字符串 "17"(非 swagger 已声明枚举,系人工指定的既有编码,详见
+// 《缺失的后端接口.md》相关登记条目)。
+export const LOAN_APPLICATION_IMAGE_FILE_TYPE = {
+  ID_CARD_FRONT: "身份证正面",
+  ID_CARD_BACK: "身份证反面",
+  BUSINESS_PROOF: "17",
+  FACE_PHOTO: "04"
+}
+
+// 个人贷款申请"经营实体(企业)"区块"与经营企业关系"下拉选项:业务方直接指定的5个固定选项,
+// 未在 swagger 中定义对应枚举,CreatePersonalLoanApplicationDraftBto 也没有承接该字段的
+// 位置(已知缺口,登记于《缺失的后端接口.md》),仅作页面展示,不随表单提交。
+export const ENTERPRISE_RELATION_OPTIONS = [
+  { value: "LEGAL_REPRESENTATIVE", label: "法定代表人" },
+  { value: "SHAREHOLDER", label: "股东" },
+  { value: "PARTNER", label: "合伙人" },
+  { value: "CONTRACTOR", label: "承包人" },
+  { value: "ACTUAL_CONTROLLER", label: "实控人" }
+]
+
diff --git a/src/utils/qrCode.js b/src/utils/qrCode.js
index 7e17484..f462407 100644
--- a/src/utils/qrCode.js
+++ b/src/utils/qrCode.js
@@ -7,3 +7,15 @@ export function buildPersonalOpenQrCodeUrl(applicationNo) {
   const path = import.meta.env.VITE_H5_QRCODE_PATH || '/mobile/personal-open'
   return `${base}${path}?applicationNo=${applicationNo}`
 }
+
+// 个人贷款申请"扫码确认"(PersonalLoanForm.vue)专用的 H5 确认页二维码地址拼接,与上面个人开户
+// 同一模式:域名复用同一个 VITE_H5_QRCODE_BASE_URL,路径走独立的 VITE_H5_QRCODE_PATH_LOAN
+// (与企业开户 EnterpriseOpenForm.vue 内联的 VITE_H5_QRCODE_PATH_ENTERPRISE 是同类做法,只是放在
+// 本文件统一维护)。查询参数用 loanApplicationId(贷款申请单号),与后端字段命名保持一致。
+// 扫码后的 H5 确认页面本身不在本项目前端实现范围(见《缺失的后端接口.md》第19条),这里只负责
+// 生成二维码内容,不阻断柜员操作。
+export function buildLoanApplicationQrCodeUrl(loanApplicationId) {
+  const base = import.meta.env.VITE_H5_QRCODE_BASE_URL || 'https://example.com'
+  const path = import.meta.env.VITE_H5_QRCODE_PATH_LOAN || '/mobile/loan-application'
+  return `${base}${path}?loanApplicationId=${loanApplicationId}`
+}
diff --git a/src/views/credit/loan-application/PersonalLoanForm.vue b/src/views/credit/loan-application/PersonalLoanForm.vue
index dd2b285..e1de7b8 100644
--- a/src/views/credit/loan-application/PersonalLoanForm.vue
+++ b/src/views/credit/loan-application/PersonalLoanForm.vue
@@ -1,14 +1,33 @@
 <!-- src/views/credit/loan-application/PersonalLoanForm.vue -->
 <!-- 2.2.1 贷款申请 —— 个人贷款申请表单。mode 从 route.path 后缀推导(create/edit/detail)。
      字段严格对齐 /api/credit-apply/personal-loan-application/create、update 的
-     CreatePersonalLoanApplicationDraftBto/UpdatePersonalLoanApplicationBto。
-     已知缺口(登记于《缺失的后端接口.md》):该 Bto 不含 customerId/accountNo(钱包账号)字段,
-     无法像企业贷款那样将申请与具体客户ID/钱包账号强关联,选择客户仅用于回填 customerName/
-     phoneNo/permanentAddress 三个文本字段,不产生实际的外键关联;短信验证码校验与人脸识别
-     属客户微信扫码后的移动端流程(/api/credit-apply/loan-application/confirm),不在本页面实现。 -->
+     CreatePersonalLoanApplicationDraftBto/UpdatePersonalLoanApplicationBto,融资条件/渠道机构/
+     配偶信息区块维持原有设计,2026-08-10 按最新原型截图补充调整了"贷款申请人钱包/贷款产品"
+     选择弹窗、五级行政区划级联、证件号码展示、协议勾选与预览、经营证明影像项等交互,详见
+     docs/superpowers/specs 目录同日期设计讨论与《缺失的后端接口.md》相关登记条目。
+     "确认"按钮点击后不直接提交,而是弹出二次确认弹窗(保存/取消/扫码确认),与
+     PersonalOpenForm.vue/EnterpriseOpenForm.vue 同款模式:"保存"与"扫码确认"共用同一次真实
+     create/update 提交,区别仅在成功后是否切到二维码态;二维码内容是前端拼接的一个 H5 URL
+     (`buildLoanApplicationQrCodeUrl`,域名/路径来自 VITE_H5_QRCODE_BASE_URL/
+     VITE_H5_QRCODE_PATH_LOAN),扫码后走向的移动端 H5 确认页本身不在本项目前端实现范围。
+     已知缺口(登记于《缺失的后端接口.md》):该 Bto 不含 customerId/accountNo(钱包账号)/
+     certificateNumber(证件号码)字段,选择钱包/产品仅用于回填 customerName/phoneNo/
+     permanentAddress/loanProductCode 等文本字段,不产生实际的外键关联,钱包账号/证件号码
+     只在页面展示,不随表单提交;短信验证码校验与人脸识别属客户微信扫码后的移动端流程
+     (/api/credit-apply/loan-application/confirm),不在本页面实现。 -->
 <template>
   <div class="personal-loan-form-page">
-    <a-page-header :title="pageTitle" @back="goBack" />
+    <a-page-header :title="pageTitle" @back="goBack">
+      <template v-if="!isDetail" #extra>
+        <a-space wrap ref="agreementSectionRef">
+          <a-checkbox v-model:checked="agreementChecked">本人已阅读并同意</a-checkbox>
+          <a @click="openAgreement('CREDIT_REPORT_AUTH')">【模板】个人征信授权书</a>
+          <a @click="openAgreement('THIRD_PARTY_DATA_AUTH')">【模板】个人信息查询使用授权书</a>
+          <a-button type="primary" :disabled="!agreementChecked || busy" @click="handleConfirmButtonClick">确认</a-button>
+          <a-button @click="goBack">取消</a-button>
+        </a-space>
+      </template>
+    </a-page-header>
 
     <a-card v-if="!isCreate" style="margin-bottom: 16px">
       <a-descriptions :column="3">
@@ -18,6 +37,7 @@
       </a-descriptions>
     </a-card>
 
+    <a-spin :spinning="busy" :tip="busyTip">
     <a-form layout="vertical" :model="form" :disabled="isDetail">
       <a-card title="基础信息" style="margin-bottom: 16px">
         <a-row :gutter="16">
@@ -33,74 +53,18 @@
           </a-col>
           <a-col :span="8">
             <a-form-item label="贷款产品编号" required>
-              <a-input v-model:value="form.loanProductCode" placeholder="请输入贷款产品编号" />
-            </a-form-item>
-          </a-col>
-          <a-col :span="8">
-            <a-form-item label="客户">
-              <a-space>
-                <span v-if="form.customerName">{{ form.customerName }}</span>
-                <a-button v-if="!isDetail" @click="openCustomerPicker">选择客户</a-button>
+              <a-space style="width: 100%">
+                <a-input v-model:value="form.loanProductCode" placeholder="请输入或选择贷款产品编号" />
+                <a-button v-if="!isDetail" @click="openProductPicker">选择</a-button>
               </a-space>
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="手机号码">
-              <a-input v-model:value="form.phoneNo" placeholder="请输入11位手机号" />
-            </a-form-item>
-          </a-col>
-          <a-col :span="8">
-            <a-form-item label="户籍/常住地市">
-              <a-input v-model:value="form.registeredCity" placeholder="请输入户籍/常住地市" />
-            </a-form-item>
-          </a-col>
-          <a-col :span="16">
-            <a-form-item label="户籍常驻地址">
-              <a-input v-model:value="form.permanentAddress" placeholder="请输入户籍常驻地址" />
-            </a-form-item>
-          </a-col>
-        </a-row>
-      </a-card>
-
-      <a-card title="融资条件" style="margin-bottom: 16px">
-        <a-row :gutter="16">
-          <a-col :span="8">
-            <a-form-item label="商品类目" required>
-              <a-select v-model:value="form.goodsCategory" placeholder="请选择商品类目">
-                <a-select-option v-for="opt in GOODS_CATEGORY_OPTIONS" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
-              </a-select>
-            </a-form-item>
-          </a-col>
-          <a-col :span="8">
-            <a-form-item label="回款周期" required>
-              <a-select v-model:value="form.paymentCycle" placeholder="请选择回款周期">
-                <a-select-option v-for="opt in PAYMENT_CYCLE_OPTIONS" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
-              </a-select>
-            </a-form-item>
-          </a-col>
-          <a-col :span="8">
-            <a-form-item label="单笔汇总订单限额(元)" required>
-              <a-input v-model:value="form.singleOrderLimit" placeholder="请输入单笔汇总订单限额" />
-            </a-form-item>
-          </a-col>
-          <a-col :span="8">
-            <a-form-item label="融资比例(%)" required>
-              <a-input-number v-model:value="form.financingRatio" :min="0" :max="100" style="width: 100%" />
-            </a-form-item>
-          </a-col>
-          <a-col :span="8">
-            <a-form-item label="预计退货率(%)">
-              <a-input-number v-model:value="form.estimatedReturnRate" :min="0" :max="100" style="width: 100%" />
-            </a-form-item>
-          </a-col>
-          <a-col :span="8">
-            <a-form-item label="借款期限(天)" required>
-              <a-input-number v-model:value="form.loanTerm" :min="1" style="width: 100%" />
-            </a-form-item>
-          </a-col>
-          <a-col :span="8">
-            <a-form-item label="订单融资期限(天)" required>
-              <a-input-number v-model:value="form.orderFinancingTerm" :min="1" style="width: 100%" />
+            <a-form-item label="贷款申请人钱包" required>
+              <a-space>
+                <span v-if="walletAccountNo">{{ walletAccountNo }}<template v-if="walletMainBalance"> (余额:{{ walletMainBalance }})</template></span>
+                <a-button v-if="!isDetail" @click="openWalletPicker">{{ walletAccountNo ? '重新选择' : '选择' }}</a-button>
+              </a-space>
             </a-form-item>
           </a-col>
           <a-col :span="8">
@@ -109,89 +73,132 @@
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="申请利率(%)">
+            <a-form-item label="申请利率(%)" required>
               <a-input v-model:value="form.applicationInterestRate" placeholder="请输入申请利率" />
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="贷款投向">
-              <a-input v-model:value="form.loanPurpose" placeholder="请输入贷款投向" />
-            </a-form-item>
-          </a-col>
-        </a-row>
-      </a-card>
-
-      <a-card title="经营实体信息" style="margin-bottom: 16px">
-        <a-row :gutter="16">
-          <a-col :span="8">
-            <a-form-item label="经营实体名称">
-              <a-input v-model:value="form.enterpriseName" placeholder="请输入经营实体名称" />
+            <a-form-item label="证件号码">
+              <a-input v-model:value="certificateNumber" placeholder="选择钱包后自动回显,可手动修改" />
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="经营起始日">
-              <a-date-picker v-model:value="businessStartDateModel" style="width: 100%" />
+            <a-form-item label="手机号码">
+              <a-input v-model:value="form.phoneNo" placeholder="请输入11位手机号" />
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="经营范围" required>
-              <a-input v-model:value="form.businessScope" placeholder="请输入经营范围/经营活动描述" />
+            <a-form-item label="户籍/常住地市" required>
+              <AdministrativeDivisionCascader v-model:value="form.registeredCity" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="16">
+            <a-form-item label="户籍/常住地址" required>
+              <a-input v-model:value="form.permanentAddress" placeholder="请输入户籍/常住地址" />
             </a-form-item>
           </a-col>
-        </a-row>
-      </a-card>
-
-      <a-card title="个人基础信息" style="margin-bottom: 16px">
-        <a-row :gutter="16">
           <a-col :span="8">
-            <a-form-item label="民族">
+            <a-form-item label="民族" required>
               <a-select v-model:value="form.ethnicity" placeholder="请选择民族" show-search option-filter-prop="label">
                 <a-select-option v-for="opt in ETHNICITY_OPTIONS" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
               </a-select>
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="学历">
+            <a-form-item label="学历" required>
               <a-select v-model:value="form.educationLevel" placeholder="请选择学历">
                 <a-select-option v-for="opt in EDUCATION_LEVEL_OPTIONS" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
               </a-select>
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="婚姻状况">
+            <a-form-item label="婚姻状况" required>
               <a-select v-model:value="form.maritalStatus" placeholder="请选择婚姻状况">
                 <a-select-option v-for="opt in MARITAL_STATUS_OPTIONS" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
               </a-select>
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="个人年收入(元)">
+            <a-form-item label="个人年收入(元)" required>
               <a-input v-model:value="form.annualPersonalIncome" placeholder="请输入个人年收入" />
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="家庭年收入(元)">
+            <a-form-item label="家庭年收入(元)" required>
               <a-input v-model:value="form.annualFamilyIncome" placeholder="请输入家庭年收入" />
             </a-form-item>
           </a-col>
         </a-row>
       </a-card>
 
-      <a-card title="紧急联系人信息" style="margin-bottom: 16px">
-        <a-row :gutter="16">
+      <a-card title="经营实体信息" style="margin-bottom: 16px">
+        <template #extra>
+          <a-space>
+            <span>经营实体(企业)</span>
+            <a-switch v-model:checked="businessEntityEnabled" :disabled="isDetail" />
+          </a-space>
+        </template>
+        <a-row v-if="businessEntityEnabled" :gutter="16">
           <a-col :span="8">
-            <a-form-item label="姓名" required>
-              <a-input v-model:value="form.emergencyContactName" placeholder="请输入紧急联系人姓名" />
+            <a-form-item label="证件类型">
+              <a-input value="统一社会信用代码" disabled />
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="联系电话">
+            <a-form-item label="经营企业" required>
+              <a-space>
+                <span v-if="form.enterpriseName">{{ form.enterpriseName }}</span>
+                <a-button v-if="!isDetail" @click="openEnterpriseWalletPicker">{{ form.enterpriseName ? '重新选择' : '选择' }}</a-button>
+              </a-space>
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="证件号码">
+              <a-input v-model:value="enterpriseCertificateNumber" placeholder="选择经营企业后自动回显,可手动修改" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="与经营企业关系" required>
+              <a-select v-model:value="enterpriseRelation" placeholder="请选择与经营企业关系">
+                <a-select-option v-for="opt in ENTERPRISE_RELATION_OPTIONS" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
+              </a-select>
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="企业类型">
+              <DictSelect v-model:model-value="enterpriseType" dict-type-code="qiyeleixing" placeholder="请选择企业类型" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="经营起始日" required>
+              <a-date-picker v-model:value="businessStartDateModel" style="width: 100%" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="经营范围" required>
+              <a-input v-model:value="form.businessScope" placeholder="经营执照、挂靠说明描述等" />
+              <div class="business-scope-hint">请输入经营范围,至少10个汉字</div>
+            </a-form-item>
+          </a-col>
+        </a-row>
+      </a-card>
+
+
+      <a-card title="紧急联系人信息" style="margin-bottom: 16px">
+        <a-row :gutter="16">
+          <a-col :span="8">
+            <a-form-item label="联系人名称" required>
+              <a-input v-model:value="form.emergencyContactName" placeholder="请输入紧急联系人名称" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="联系人电话">
               <a-input v-model:value="form.emergencyContactPhone" placeholder="请输入紧急联系人电话" />
             </a-form-item>
           </a-col>
           <a-col :span="8">
-            <a-form-item label="与本人关系">
-              <a-select v-model:value="form.emergencyContactRelation" placeholder="请选择关系">
+            <a-form-item label="与紧急联系人关系">
+              <a-select v-model:value="form.emergencyContactRelation" placeholder="请选择与紧急联系人关系">
                 <a-select-option v-for="opt in EMERGENCY_CONTACT_RELATION_OPTIONS" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
               </a-select>
             </a-form-item>
@@ -236,54 +243,135 @@
         <a-space size="large">
           <div>
             <div class="upload-label">身份证人像面</div>
-            <IdCardUpload side="front" :channel-no="form.channel" v-model:file-no="idCardFrontFileNo" />
+            <IdCardUpload
+              side="front"
+              :channel-no="form.channel"
+              :readonly="isDetail"
+              v-model:file-no="idCardFrontFileNo"
+              v-model:uploading="idCardFrontUploading"
+            />
           </div>
           <div>
             <div class="upload-label">身份证国徽面</div>
-            <IdCardUpload side="back" :channel-no="form.channel" v-model:file-no="idCardBackFileNo" />
+            <IdCardUpload
+              side="back"
+              :channel-no="form.channel"
+              :readonly="isDetail"
+              v-model:file-no="idCardBackFileNo"
+              v-model:uploading="idCardBackUploading"
+            />
           </div>
           <div>
-            <div class="upload-label">营业执照(选填)</div>
-            <LicenseUpload :channel-no="form.channel" :readonly="isDetail" v-model:file-no="businessLicenseFileNo" />
+            <div class="upload-label">代付情况说明</div>
+            <a-space align="start">
+              <LicenseUpload
+                :channel-no="form.channel"
+                :readonly="isDetail"
+                upload-text="上传代付情况说明"
+                v-model:file-no="businessLicenseFileNo"
+                v-model:uploading="businessLicenseUploading"
+              />
+              <a-button v-if="!isDetail" disabled title="模板文件待业务方提供" @click="handleDownloadTemplate">下载模板</a-button>
+            </a-space>
+          </div>
+          <div>
+            <div class="upload-label">人脸识别信息</div>
+            <FacePhotoUpload
+              :channel-no="form.channel"
+              :id-no="certificateNumber"
+              :name="form.customerName"
+              :readonly="isDetail"
+              v-model:file-no="facePhotoFileNo"
+              v-model:uploading="facePhotoUploading"
+            />
           </div>
         </a-space>
       </a-card>
     </a-form>
+    </a-spin>
 
-    <a-space v-if="!isDetail">
-      <a-button type="primary" :loading="submitting" @click="handleSubmit">提交</a-button>
-      <a-button @click="goBack">取消</a-button>
-    </a-space>
+    <WalletAccountPicker ref="walletPickerRef" customer-type="PERSONAL" title="选择个人钱包账户" @select="handleSelectWallet" />
+    <WalletAccountPicker ref="enterpriseWalletPickerRef" customer-type="ENTERPRISE" title="选择企业钱包账户" @select="handleSelectEnterpriseWallet" />
+    <LoanProductPicker ref="productPickerRef" @select="handleSelectProduct" />
 
-    <WalletCustomerPicker ref="customerPickerRef" mode="personal" @select="handleSelectCustomer" />
+    <!-- 二次确认弹窗:参照 PersonalOpenForm.vue/EnterpriseOpenForm.vue 同款模式,confirmModalStep
+         在同一个 a-modal 内切换"确认(保存/取消/扫码确认)"与"二维码"两种视图。扫码后走向的移动端
+         H5 确认页不在本项目前端实现范围(详见《缺失的后端接口.md》第19条),这里只负责生成并展示
+         二维码内容。 -->
+    <a-modal
+      v-model:open="confirmModalVisible"
+      title="提示"
+      :footer="null"
+      :mask-closable="false"
+      @cancel="handleModalCancel"
+    >
+      <template v-if="confirmModalStep === 'confirm'">
+        <p>是否确认{{ isCreate ? '提交' : '修改' }}贷款申请?</p>
+        <div class="confirm-modal-actions">
+          <a-space>
+            <a-button type="primary" :loading="modalSaving" :disabled="modalInviting" @click="handleModalSave">保存</a-button>
+            <a-button :disabled="modalSaving || modalInviting" @click="handleModalCancel">取消</a-button>
+            <a-button :loading="modalInviting" :disabled="modalSaving" @click="handleModalInvite">扫码确认</a-button>
+          </a-space>
+        </div>
+      </template>
+      <template v-else>
+        <div class="qrcode-panel">
+          <qrcode-vue :value="qrCodeUrl" :size="200" level="M" />
+          <p class="qrcode-application-no">申请单号:{{ qrApplicationNo }}</p>
+          <a-button @click="handleModalCancel">关闭</a-button>
+        </div>
+      </template>
+    </a-modal>
+
+    <a-modal v-model:open="agreementPreviewOpen" :title="agreementPreviewTitle" width="720px" :footer="null">
+      <a-spin :spinning="agreementPreviewLoading">
+        <a-empty v-if="!agreementPreviewLoading && agreementPreviewError" :description="agreementPreviewError" />
+        <iframe
+          v-else-if="agreementPreviewSrc"
+          :src="agreementPreviewSrc"
+          title="协议预览"
+          style="width: 100%; height: 70vh; border: none"
+        ></iframe>
+      </a-spin>
+    </a-modal>
   </div>
 </template>
 
 <script setup>
-import { ref, reactive, computed, onMounted } from 'vue'
+import { ref, reactive, computed, onMounted, onBeforeUnmount } from 'vue'
 import { useRoute, useRouter } from 'vue-router'
 import { message } from 'ant-design-vue'
 import dayjs from 'dayjs'
 import { showErrorModal } from '@/utils/errorModal'
 import ChannelSelect from '@/components/ChannelSelect.vue'
 import OrgTreeSelect from '@/components/OrgTreeSelect.vue'
+import DictSelect from '@/components/DictSelect.vue'
 import IdCardUpload from '@/components/IdCardUpload.vue'
 import LicenseUpload from '@/components/LicenseUpload.vue'
-import WalletCustomerPicker from '@/components/WalletCustomerPicker.vue'
+import FacePhotoUpload from '@/components/FacePhotoUpload.vue'
+import WalletAccountPicker from '@/components/WalletAccountPicker.vue'
+import LoanProductPicker from '@/components/LoanProductPicker.vue'
+import AdministrativeDivisionCascader from '@/components/AdministrativeDivisionCascader.vue'
+import QrcodeVue from 'qrcode.vue'
+import { buildLoanApplicationQrCodeUrl } from '@/utils/qrCode'
 import {
   createPersonalLoanApplicationApi,
   updatePersonalLoanApplicationApi,
   fetchLoanApplicationDetailApi
 } from '@/api/credit'
+import { fetchWalletAccountDetailApi } from '@/api/wallet'
+import { fetchPersonalCustomerDetailApi, fetchEnterpriseCustomerDetailApi, fetchBankAgreementApi } from '@/api/customer'
 import { getCurrentOrganizationId } from '@/utils/orgScope'
 import {
-  GOODS_CATEGORY_OPTIONS,
-  PAYMENT_CYCLE_OPTIONS,
   ETHNICITY_OPTIONS,
   EDUCATION_LEVEL_OPTIONS,
   MARITAL_STATUS_OPTIONS,
   EMERGENCY_CONTACT_RELATION_OPTIONS,
-  LOAN_APPLICATION_STATUS_OPTIONS
+  LOAN_APPLICATION_STATUS_OPTIONS,
+  LOAN_APPLICATION_IMAGE_FILE_TYPE,
+  BANK_AGREEMENT_FILE_TYPE_LABELS,
+  ENTERPRISE_RELATION_OPTIONS
 } from '@/constants/creditEnums'
 
 const route = useRoute()
@@ -299,10 +387,70 @@ const isDetail = computed(() => mode.value === 'detail')
 const pageTitle = computed(() => ({ create: '新增个人贷款申请', edit: '编辑个人贷款申请', detail: '查看个人贷款申请' }[mode.value]))
 
 const submitting = ref(false)
+
+// 二次确认弹窗:参照 PersonalOpenForm.vue/EnterpriseOpenForm.vue 同款"确认(保存/取消/扫码确认)
+// →二维码"模式。confirmModalStep 为 'confirm'(默认)/'qrcode',在同一个 a-modal 内切换视图。
+const confirmModalVisible = ref(false)
+const confirmModalStep = ref('confirm')
+const modalSaving = ref(false)
+const modalInviting = ref(false)
+const qrApplicationNo = ref('')
+const qrCodeUrl = ref('')
 const idCardFrontFileNo = ref('')
 const idCardBackFileNo = ref('')
 const businessLicenseFileNo = ref('')
-const customerPickerRef = ref(null)
+const facePhotoFileNo = ref('')
+// 影像资料各上传项的上传中状态,纳入下方 busy 统一遮罩,并在提交前校验阻止上传未完成时提交
+// (对齐 AGENTS.md"耗时操作统一等待态规范"与 EnterpriseForm.vue 已有实现)
+const idCardFrontUploading = ref(false)
+const idCardBackUploading = ref(false)
+const businessLicenseUploading = ref(false)
+const facePhotoUploading = ref(false)
+const busy = computed(
+  () =>
+    submitting.value ||
+    idCardFrontUploading.value ||
+    idCardBackUploading.value ||
+    businessLicenseUploading.value ||
+    facePhotoUploading.value
+)
+const busyTip = computed(() => {
+  if (idCardFrontUploading.value || idCardBackUploading.value) return '身份证图片上传中,请稍候...'
+  if (businessLicenseUploading.value) return '代付情况说明上传中,请稍候...'
+  if (facePhotoUploading.value) return '人脸识别中,请稍候...'
+  if (submitting.value) return '提交中,请稍候...'
+  return ''
+})
+const walletPickerRef = ref(null)
+const enterpriseWalletPickerRef = ref(null)
+const productPickerRef = ref(null)
+
+// 经营实体(企业)区块:开关仅前端控制显隐,CreatePersonalLoanApplicationDraftBto 无对应布尔字段
+// (已知缺口),关闭时不提交经营实体相关字段。证件号码/与经营企业关系/企业类型均为本区块新增字段,
+// Bto 完全没有承接位置(已知缺口,登记于《缺失的后端接口.md》),仅作页面展示,不随表单提交。
+const businessEntityEnabled = ref(true)
+const enterpriseCertificateNumber = ref('')
+const enterpriseRelation = ref(undefined)
+const enterpriseType = ref(undefined)
+
+// 证件号码:选择钱包后从个人客户详情自动回显,但 CreatePersonalLoanApplicationDraftBto 没有
+// 对应字段(已知缺口,登记于《缺失的后端接口.md》),仅作页面展示/人工核对用,不随表单提交。
+const certificateNumber = ref('')
+// 选中钱包账户的账号,仅展示用(Bto 无 accountNo/accountId 字段可提交,已知缺口)
+const walletAccountNo = ref('')
+
+// 协议勾选:未勾选不允许点击"确认"(按钮 disabled),不随表单提交(Bto 无对应字段)
+const agreementChecked = ref(false)
+const agreementSectionRef = ref(null)
+
+// 协议原文预览:调用真实后端接口 GET /api/customer-info/bank-agreement/base64 获取 base64 PDF,
+// 转 Blob URL 后用 iframe 展示,参考 fryl_h5/src/views/steps/AgreementStep.vue 的实现迁移到 PC 端
+const agreementPreviewOpen = ref(false)
+const agreementPreviewLoading = ref(false)
+const agreementPreviewError = ref('')
+const agreementPreviewTitle = ref('')
+const agreementPreviewSrc = ref('')
+const agreementPreviewCache = {}
 
 const detailInfo = reactive({ createdBy: '', applicationStatus: '' })
 const statusText = computed(
@@ -328,9 +476,9 @@ const form = reactive({
   permanentAddress: '',
   enterpriseName: '',
   applicationInterestRate: '',
-  ethnicity: undefined,
+  ethnicity: 'HAN',
   educationLevel: undefined,
-  maritalStatus: undefined,
+  maritalStatus: 'UNMARRIED',
   registeredCity: '',
   annualPersonalIncome: '',
   annualFamilyIncome: '',
@@ -351,16 +499,121 @@ const businessStartDateModel = computed({
   set: (val) => (form.businessStartDate = val ? val.format('YYYY-MM-DD') : '')
 })
 
-function openCustomerPicker() {
-  customerPickerRef.value.show()
+function openWalletPicker() {
+  walletPickerRef.value.show()
 }
 
-function handleSelectCustomer(record) {
-  form.customerName = record.customerName
-  form.phoneNo = record.mobilePhone || form.phoneNo
-  form.permanentAddress = record.certificateAddress || form.permanentAddress
+const walletMainBalance = ref('')
+
+// 选择钱包账户后:①尝试调用账户详情展示余额信息(需要 channelNo,渠道未选择时跳过,不阻断
+// 选择流程,仅展示不提交——CreatePersonalLoanApplicationDraftBto 无 accountNo/accountId 字段
+// 可提交,已知缺口,登记于《缺失的后端接口.md》);②用账户所属 customerId 查询个人客户详情,
+// 自动回填证件号码/手机号/户籍地址/客户名称,对齐业务需求"证件号码、户籍常住地址、手机号码,
+// 选择钱包后自动反显"的描述。
+async function handleSelectWallet(record) {
+  walletAccountNo.value = record.accountNo || ''
+  walletMainBalance.value = ''
+  if (form.channel) {
+    try {
+      const detailRes = await fetchWalletAccountDetailApi({ id: record.id, channelNo: form.channel })
+      if (detailRes.data.code === 200) {
+        walletMainBalance.value = detailRes.data.data?.mainBalance || ''
+      }
+    } catch {
+      // 仅用于页面展示账户余额信息,查询失败不阻断选择流程
+    }
+  }
+  if (!record.customerId) return
+  try {
+    const customerRes = await fetchPersonalCustomerDetailApi({ id: record.customerId })
+    if (customerRes.data.code === 200) {
+      const customer = customerRes.data.data
+      form.customerName = customer.customerName || form.customerName
+      form.phoneNo = customer.mobilePhone || form.phoneNo
+      form.permanentAddress = customer.certificateAddress || form.permanentAddress
+      certificateNumber.value = customer.certificateNumber || ''
+    }
+  } catch {
+    // 客户详情查询失败不阻断选择流程,可人工手动补录证件号码/手机号/地址
+  }
 }
 
+function openProductPicker() {
+  productPickerRef.value.show()
+}
+
+function handleSelectProduct({ loanProductCode }) {
+  form.loanProductCode = loanProductCode
+}
+
+function openEnterpriseWalletPicker() {
+  enterpriseWalletPickerRef.value.show()
+}
+
+// 选择经营企业的钱包账户后,用其 customerId 查询企业客户详情,回填经营实体名称(form.enterpriseName,
+// Bto 已有字段)与证件号码(企业统一社会信用代码,仅展示,Bto 无对应字段,已知缺口)
+async function handleSelectEnterpriseWallet(record) {
+  if (!record.customerId) return
+  try {
+    const res = await fetchEnterpriseCustomerDetailApi({ id: record.customerId })
+    if (res.data.code === 200) {
+      const enterprise = res.data.data
+      form.enterpriseName = enterprise.enterpriseName || form.enterpriseName
+      enterpriseCertificateNumber.value = enterprise.certificateNumber || ''
+    }
+  } catch {
+    // 企业客户详情查询失败不阻断选择流程,可人工手动补录
+  }
+}
+
+function handleDownloadTemplate() {
+  message.info('经营证明模板文件由业务方另行提供,暂未接入')
+}
+
+// base64 -> Blob URL:不能直接把 data: URI 赋给 iframe.src(Safari/WebKit 会拦截 iframe 对
+// data: URI 的导航),需转成 Blob 再用 URL.createObjectURL 生成 blob: URL,参考
+// fryl_h5/src/views/steps/AgreementStep.vue 的同款实现。
+function base64ToBlobUrl(base64, mime = 'application/pdf') {
+  const byteChars = atob(base64)
+  const byteNumbers = new Uint8Array(byteChars.length)
+  for (let i = 0; i < byteChars.length; i++) {
+    byteNumbers[i] = byteChars.charCodeAt(i)
+  }
+  return URL.createObjectURL(new Blob([byteNumbers], { type: mime }))
+}
+
+async function openAgreement(fileType) {
+  agreementPreviewTitle.value = BANK_AGREEMENT_FILE_TYPE_LABELS[fileType]
+  agreementPreviewOpen.value = true
+  agreementPreviewError.value = ''
+  if (agreementPreviewCache[fileType]) {
+    agreementPreviewSrc.value = agreementPreviewCache[fileType]
+    agreementPreviewLoading.value = false
+    return
+  }
+  agreementPreviewSrc.value = ''
+  agreementPreviewLoading.value = true
+  try {
+    const res = await fetchBankAgreementApi(fileType)
+    const fileContent = res.data?.code === 200 ? res.data.data?.fileContent : ''
+    if (fileContent) {
+      const url = base64ToBlobUrl(fileContent)
+      agreementPreviewCache[fileType] = url
+      agreementPreviewSrc.value = url
+    } else {
+      agreementPreviewError.value = res.data?.message || '协议内容加载失败,请稍后重试'
+    }
+  } catch {
+    agreementPreviewError.value = '协议内容加载失败,请检查网络后重试'
+  } finally {
+    agreementPreviewLoading.value = false
+  }
+}
+
+onBeforeUnmount(() => {
+  Object.values(agreementPreviewCache).forEach((url) => URL.revokeObjectURL(url))
+})
+
 function toFullDate(dateStr) {
   return dateStr ? `${dateStr} 00:00:00` : undefined
 }
@@ -405,6 +658,9 @@ async function loadDetail() {
     businessScope: data.businessScope,
     phoneNo: data.phoneNo
   })
+  // accountNo 在 LoanApplicationDetailVo 中存在,但个人贷款草稿创建接口不接受该字段
+  // (已知缺口),此处仅用于编辑/查看态尽量展示历史数据,不代表可通过本页面重新写入。
+  walletAccountNo.value = data.accountNo || ''
   detailInfo.createdBy = data.createdBy
   detailInfo.applicationStatus = data.applicationStatus
 }
@@ -417,17 +673,40 @@ onMounted(() => {
 
 function buildImageList() {
   const list = []
-  if (idCardFrontFileNo.value) list.push({ fileType: '身份证正面', fileNo: idCardFrontFileNo.value })
-  if (idCardBackFileNo.value) list.push({ fileType: '身份证反面', fileNo: idCardBackFileNo.value })
-  if (businessLicenseFileNo.value) list.push({ fileType: '营业执照', fileNo: businessLicenseFileNo.value })
+  if (idCardFrontFileNo.value) list.push({ fileType: LOAN_APPLICATION_IMAGE_FILE_TYPE.ID_CARD_FRONT, fileNo: idCardFrontFileNo.value })
+  if (idCardBackFileNo.value) list.push({ fileType: LOAN_APPLICATION_IMAGE_FILE_TYPE.ID_CARD_BACK, fileNo: idCardBackFileNo.value })
+  if (businessLicenseFileNo.value) list.push({ fileType: LOAN_APPLICATION_IMAGE_FILE_TYPE.BUSINESS_PROOF, fileNo: businessLicenseFileNo.value })
+  if (facePhotoFileNo.value) list.push({ fileType: LOAN_APPLICATION_IMAGE_FILE_TYPE.FACE_PHOTO, fileNo: facePhotoFileNo.value })
   return list
 }
 
-async function handleSubmit() {
+async function handleConfirmButtonClick() {
   if (!form.channel) {
     showErrorModal('请先选择所属渠道')
     return
   }
+  if (idCardFrontUploading.value || idCardBackUploading.value || businessLicenseUploading.value || facePhotoUploading.value) {
+    showErrorModal('影像资料仍在上传中,请稍候再提交')
+    return
+  }
+  if (!isDetail.value && !agreementChecked.value) {
+    agreementSectionRef.value?.$el?.scrollIntoView?.({ behavior: 'smooth', block: 'center' })
+    showErrorModal('请先阅读并勾选同意相关授权书')
+    return
+  }
+  if (businessEntityEnabled.value && (form.businessScope.match(/[\u4e00-\u9fa5]/g) || []).length < 10) {
+    showErrorModal('请输入经营范围,至少10个汉字')
+    return
+  }
+  confirmModalStep.value = 'confirm'
+  confirmModalVisible.value = true
+}
+
+// 真正提交草稿(创建/修改)的动作,弹窗内"保存"/"扫码确认"两个按钮共用同一次提交,区别只在
+// 成功后的前端行为(是否切到二维码态),与 PersonalOpenForm.vue 的 submitCreateDraft 同一模式。
+// create 场景返回后端新生成的 loanApplicationId(create 接口 data 即为该字符串);edit 场景直接
+// 沿用已知的 form.loanApplicationId(update 接口的响应字段未在契约中明确声明为该值,不依赖它)。
+async function submitApplication() {
   submitting.value = true
   try {
     const payload = {
@@ -435,6 +714,9 @@ async function handleSubmit() {
       channel: form.channel,
       loanProductCode: form.loanProductCode,
       customerName: form.customerName,
+      // 2026-08-10 按最新截图删除"融资条件"整卡,页面不再收集下面这 7 个字段;create 场景下它们
+      // 始终是初始值(undefined/空串),edit 场景下 loadDetail 仍会把历史值写回 form,此处原样
+      // 透传而不清空,避免"编辑一条历史上带这些字段的旧申请"时把已有数据静默覆盖为空。
       goodsCategory: form.goodsCategory,
       paymentCycle: form.paymentCycle,
       singleOrderLimit: form.singleOrderLimit,
@@ -446,7 +728,7 @@ async function handleSubmit() {
       emergencyContactPhone: form.emergencyContactPhone,
       loanPurpose: form.loanPurpose,
       permanentAddress: form.permanentAddress,
-      enterpriseName: form.enterpriseName,
+      enterpriseName: businessEntityEnabled.value ? form.enterpriseName : undefined,
       applicationInterestRate: form.applicationInterestRate,
       ethnicity: form.ethnicity,
       educationLevel: form.educationLevel,
@@ -454,7 +736,7 @@ async function handleSubmit() {
       registeredCity: form.registeredCity,
       annualPersonalIncome: form.annualPersonalIncome,
       annualFamilyIncome: form.annualFamilyIncome,
-      businessStartDate: toFullDate(form.businessStartDate),
+      businessStartDate: businessEntityEnabled.value ? toFullDate(form.businessStartDate) : undefined,
       emergencyContactRelation: form.emergencyContactRelation,
       spouseName: form.spouseName,
       spousePhone: form.spousePhone,
@@ -462,7 +744,7 @@ async function handleSubmit() {
       spouseGender: form.spouseGender,
       spouseCertId: form.spouseCertId,
       emergencyContactName: form.emergencyContactName,
-      businessScope: form.businessScope,
+      businessScope: businessEntityEnabled.value ? form.businessScope : undefined,
       phoneNo: form.phoneNo,
       loanApplicationImageBtoList: buildImageList()
     }
@@ -473,14 +755,53 @@ async function handleSubmit() {
       res = await updatePersonalLoanApplicationApi({ loanApplicationId: form.loanApplicationId, ...payload })
     }
     if (res.data.code === 200) {
-      message.success(isCreate.value ? '贷款申请草稿已提交' : '修改成功')
-      goBack()
+      return isCreate.value ? res.data.data : form.loanApplicationId
     }
+    return null
   } finally {
     submitting.value = false
   }
 }
 
+async function handleModalSave() {
+  modalSaving.value = true
+  try {
+    const loanApplicationId = await submitApplication()
+    if (loanApplicationId) {
+      message.success(isCreate.value ? '贷款申请草稿已提交' : '修改成功')
+      confirmModalVisible.value = false
+      goBack()
+    }
+  } finally {
+    modalSaving.value = false
+  }
+}
+
+// "扫码确认":与"保存"共用同一次真实提交(不是先弹二维码后再确认存不存),提交成功后不关闭弹窗,
+// 切到二维码态展示;扫码后走向的移动端 H5 确认页不在本项目前端实现范围,这里只生成并展示二维码。
+async function handleModalInvite() {
+  modalInviting.value = true
+  try {
+    const loanApplicationId = await submitApplication()
+    if (loanApplicationId) {
+      qrApplicationNo.value = loanApplicationId
+      qrCodeUrl.value = buildLoanApplicationQrCodeUrl(loanApplicationId)
+      confirmModalStep.value = 'qrcode'
+    }
+  } finally {
+    modalInviting.value = false
+  }
+}
+
+// 二维码态下点击"关闭":此时草稿已提交成功,等价于"保存"的收尾动作,直接返回列表;
+// 确认态下点击"取消"/弹窗右上角关闭图标:仅关闭弹窗,不发任何请求,表单数据保留。
+function handleModalCancel() {
+  const wasQrcode = confirmModalStep.value === 'qrcode'
+  confirmModalVisible.value = false
+  confirmModalStep.value = 'confirm'
+  if (wasQrcode) goBack()
+}
+
 function goBack() {
   router.push('/credit/loan-application')
 }
@@ -492,4 +813,20 @@ function goBack() {
   font-size: 12px;
   color: #666;
 }
+.business-scope-hint {
+  font-size: 12px;
+  color: #ff4d4f;
+  line-height: 1.5;
+}
+.confirm-modal-actions {
+  margin-top: 24px;
+  text-align: right;
+}
+.qrcode-panel {
+  text-align: center;
+}
+.qrcode-application-no {
+  margin: 12px 0 8px;
+  color: #333;
+}
 </style>