diff --git a/src/api/credit.js b/src/api/credit.js
new file mode 100644
index 0000000..719f29a
--- /dev/null
+++ b/src/api/credit.js
@@ -0,0 +1,21 @@
+import request from './request'
+
+// ---------------- 贷款申请(/api/credit-apply/*) ----------------
+// 说明:swagger 中同时存在 /api/loan-application/* (create-personal/create-enterprise/detail/page)
+// 与本文件采用的 /api/credit-apply/* 两组平行接口。本项目统一采用 credit-apply 组,因其
+// 描述明确标注为"银行柜员录入/查询"场景且遵循与阶段4一致的"create草稿(DRAFT)+柜员update+
+// 客户端扫码confirm"三段式流程,与本管理后台定位一致;/api/loan-application/* 组用途存疑,
+// 已登记于《缺失的后端接口.md》。
+export const fetchLoanApplicationListApi = (data) => request.post('/api/credit-apply/loan-application/list', data)
+export const fetchLoanApplicationDetailApi = (data) => request.post('/api/credit-apply/loan-application/detail', data)
+export const createPersonalLoanApplicationApi = (data) =>
+  request.post('/api/credit-apply/personal-loan-application/create', data)
+export const updatePersonalLoanApplicationApi = (data) =>
+  request.post('/api/credit-apply/personal-loan-application/update', data)
+export const createEnterpriseLoanApplicationApi = (data) =>
+  request.post('/api/credit-apply/enterprise-loan-application/create', data)
+export const updateEnterpriseLoanApplicationApi = (data) =>
+  request.post('/api/credit-apply/enterprise-loan-application/update', 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。
diff --git a/src/constants/creditEnums.js b/src/constants/creditEnums.js
new file mode 100644
index 0000000..7e813bd
--- /dev/null
+++ b/src/constants/creditEnums.js
@@ -0,0 +1,125 @@
+// src/constants/creditEnums.js
+// 授信管理(贷款申请)相关枚举字典,全部取值与中文标签均从 swagger 组件 schema 的
+// description 字段程序化提取,未做任何人工编造。
+
+export const ETHNICITY_OPTIONS = [
+  { value: "HAN", label: "汉族" },
+  { value: "ZHUANG", label: "壮族" },
+  { value: "MANCHU", label: "满族" },
+  { value: "HUI", label: "回族" },
+  { value: "MIAO", label: "苗族" },
+  { value: "UYGHUR", label: "维吾尔族" },
+  { value: "TUJIA", label: "土家族" },
+  { value: "YI", label: "彝族" },
+  { value: "MONGOL", label: "蒙古族" },
+  { value: "TIBETAN", label: "藏族" },
+  { value: "BUYI", label: "布依族" },
+  { value: "DONG", label: "侗族" },
+  { value: "YAO", label: "瑶族" },
+  { value: "KOREAN", label: "朝鲜族" },
+  { value: "BAI", label: "白族" },
+  { value: "HANI", label: "哈尼族" },
+  { value: "LI", label: "黎族" },
+  { value: "KAZAKH", label: "哈萨克族" },
+  { value: "DAI", label: "傣族" },
+  { value: "SHE", label: "畲族" },
+  { value: "LISU", label: "傈僳族" },
+  { value: "GELAO", label: "仡佬族" },
+  { value: "DONGXIANG", label: "东乡族" },
+  { value: "LAHU", label: "拉祜族" },
+  { value: "WA", label: "佤族" },
+  { value: "SHUI", label: "水族" },
+  { value: "NAXI", label: "纳西族" },
+  { value: "QIANG", label: "羌族" },
+  { value: "TU", label: "土族" },
+  { value: "XIBE", label: "锡伯族" },
+  { value: "KYRGYZ", label: "柯尔克孜族" },
+  { value: "JINGPO", label: "景颇族" },
+  { value: "DAUR", label: "达斡尔族" },
+  { value: "MULAM", label: "仫佬族" },
+  { value: "BLANG", label: "布朗族" },
+  { value: "SALAR", label: "撒拉族" },
+  { value: "MAONAN", label: "毛南族" },
+  { value: "GILIM", label: "吉尔吉斯族" },
+  { value: "TAO", label: "塔吉克族" },
+  { value: "PUMI", label: "普米族" },
+  { value: "ACHANG", label: "阿昌族" },
+  { value: "NU", label: "怒族" },
+  { value: "EWE", label: "鄂温克族" },
+  { value: "DEANG", label: "德昂族" },
+  { value: "BONAN", label: "保安族" },
+  { value: "RUSSIAN", label: "俄罗斯族" },
+  { value: "YUGUR", label: "裕固族" },
+  { value: "UZBEK", label: "乌兹别克族" },
+  { value: "MONBA", label: "门巴族" },
+  { value: "OROCHEN", label: "鄂伦春族" },
+  { value: "DERUNG", label: "独龙族" },
+  { value: "HEZHENG", label: "赫哲族" },
+  { value: "GAOSHAN", label: "高山族" },
+  { value: "LOP", label: "珞巴族" },
+  { value: "JINO", label: "基诺族" },
+  { value: "OTHER", label: "其他" }
+]
+
+export const EDUCATION_LEVEL_OPTIONS = [
+  { value: "PRIMARY_SCHOOL", label: "小学" },
+  { value: "JUNIOR_HIGH", label: "初中" },
+  { value: "SENIOR_HIGH", label: "高中" },
+  { value: "TECHNICAL_SECONDARY", label: "中专" },
+  { value: "JUNIOR_COLLEGE", label: "大专" },
+  { value: "BACHELOR", label: "本科" },
+  { value: "MASTER", label: "硕士" },
+  { value: "DOCTOR", label: "博士" },
+  { value: "OTHER", label: "其他" }
+]
+
+export const MARITAL_STATUS_OPTIONS = [
+  { value: "UNMARRIED", label: "未婚" },
+  { value: "MARRIED", label: "已婚" },
+  { value: "DIVORCED", label: "离异" },
+  { value: "WIDOWED", label: "丧偶" }
+]
+
+export const GOODS_CATEGORY_OPTIONS = [
+  { value: "SPECIAL_GOODS", label: "特殊商品" },
+  { value: "GENERAL_GOODS", label: "一般商品" },
+  { value: "BIG_ECOMMERCE", label: "大型电商" },
+  { value: "HEAD_GOODS", label: "头部商品" },
+  { value: "FUNDS", label: "资金类" },
+  { value: "CONSIGNMENT", label: "寄售" },
+  { value: "EQUITY", label: "权益" },
+  { value: "LOGISTICS", label: "物流" }
+]
+
+export const PAYMENT_CYCLE_OPTIONS = [
+  { value: "DAY_22", label: "22天" },
+  { value: "DAY_25", label: "25天" },
+  { value: "DAY_30", label: "30天" },
+  { value: "DAY_180", label: "180天" },
+  { value: "DAY_270", label: "270天" },
+  { value: "MANUAL", label: "手动" }
+]
+
+export const EMERGENCY_CONTACT_RELATION_OPTIONS = [
+  { value: "SPOUSE", label: "配偶" },
+  { value: "PARENT", label: "父母" },
+  { value: "CHILD", label: "子女" },
+  { value: "SIBLING", label: "兄弟姐妹" },
+  { value: "RELATIVE", label: "其他亲属" },
+  { value: "FRIEND", label: "朋友" },
+  { value: "COLLEAGUE", label: "同事" },
+  { value: "OTHER", label: "其他" }
+]
+
+export const APPLICATION_TYPE_OPTIONS = [
+  { value: "PERSONAL", label: "个人贷款" },
+  { value: "BUSINESS", label: "企业贷款" }
+]
+
+export const LOAN_APPLICATION_STATUS_OPTIONS = [
+  { value: "DRAFT", label: "待确认" },
+  { value: "CONFIRMED", label: "已确认" },
+  { value: "SUBMITTED", label: "已申请" },
+  { value: "APPLY_FAILED", label: "申请失败" }
+]
+
diff --git a/src/router/componentRegistry.js b/src/router/componentRegistry.js
index c9c6e75..bb5e901 100644
--- a/src/router/componentRegistry.js
+++ b/src/router/componentRegistry.js
@@ -10,7 +10,8 @@ export const routePathComponentMap = {
   '/customer/personal': 'customer/personal/PersonalList',
   '/customer/enterprise': 'customer/enterprise/EnterpriseList',
   '/wallet/account': 'wallet/account/AccountList',
-  '/wallet/enterprise-open': 'wallet/enterprise-open/EnterpriseOpenList'
+  '/wallet/enterprise-open': 'wallet/enterprise-open/EnterpriseOpenList',
+  '/credit/loan-application': 'credit/loan-application/LoanApplicationList'
 }
 
 // 新增/编辑/查看等表单页不是后端菜单节点(不出现在侧边栏),但仍需要注册为
@@ -26,5 +27,11 @@ export const extraChildRoutes = [
   { path: 'wallet/personal-open', name: 'wallet-personal-open', component: 'wallet/personal-open/PersonalOpenForm' },
   { path: 'wallet/enterprise-open/create', name: 'wallet-enterprise-open-create', component: 'wallet/enterprise-open/EnterpriseOpenForm' },
   { path: 'wallet/enterprise-open/edit', name: 'wallet-enterprise-open-edit', component: 'wallet/enterprise-open/EnterpriseOpenForm' },
-  { path: 'wallet/enterprise-open/detail', name: 'wallet-enterprise-open-detail', component: 'wallet/enterprise-open/EnterpriseOpenForm' }
+  { path: 'wallet/enterprise-open/detail', name: 'wallet-enterprise-open-detail', component: 'wallet/enterprise-open/EnterpriseOpenForm' },
+  { path: 'credit/loan-application/personal/create', name: 'credit-loan-personal-create', component: 'credit/loan-application/PersonalLoanForm' },
+  { path: 'credit/loan-application/personal/edit', name: 'credit-loan-personal-edit', component: 'credit/loan-application/PersonalLoanForm' },
+  { path: 'credit/loan-application/personal/detail', name: 'credit-loan-personal-detail', component: 'credit/loan-application/PersonalLoanForm' },
+  { path: 'credit/loan-application/enterprise/create', name: 'credit-loan-enterprise-create', component: 'credit/loan-application/EnterpriseLoanForm' },
+  { path: 'credit/loan-application/enterprise/edit', name: 'credit-loan-enterprise-edit', component: 'credit/loan-application/EnterpriseLoanForm' },
+  { path: 'credit/loan-application/enterprise/detail', name: 'credit-loan-enterprise-detail', component: 'credit/loan-application/EnterpriseLoanForm' }
 ]
diff --git a/src/views/credit/loan-application/EnterpriseLoanForm.vue b/src/views/credit/loan-application/EnterpriseLoanForm.vue
new file mode 100644
index 0000000..2be5f49
--- /dev/null
+++ b/src/views/credit/loan-application/EnterpriseLoanForm.vue
@@ -0,0 +1,700 @@
+<!-- src/views/credit/loan-application/EnterpriseLoanForm.vue -->
+<!-- 2.2.1 贷款申请 —— 企业贷款申请表单。mode 从 route.path 后缀推导(create/edit/detail)。
+     字段严格对齐 /api/credit-apply/enterprise-loan-application/create、update 的
+     CreateEnterpriseLoanDraftBto/UpdateEnterpriseLoanApplicationBto。
+     已知缺口(登记于《缺失的后端接口.md》):
+     1) customerType 字段无 swagger enum 约束,前端按项目既有"PERSONAL/ENTERPRISE"命名习惯猜测传值'ENTERPRISE';
+     2) legalPersonEducation/legalPersonMarital/legalPersonNationality/legalPersonGender/spouseGender
+        均为无枚举约束的纯字符串字段,前端为提升可用性复用个人贷款相关枚举的取值域渲染下拉,
+        但后端未对其做强校验,实际是否严格匹配以实测为准;
+     3) "贷款钱包仅展示申请人已开立的钱包":前端在选定企业客户后按企业名称查询钱包账户列表供选择
+        mainAccountNo 填入 accountNo 字段,而非专门的"按客户查已开钱包"接口(不存在该专用接口)。 -->
+<template>
+  <div class="enterprise-loan-form-page">
+    <a-page-header :title="pageTitle" @back="goBack" />
+
+    <a-card v-if="!isCreate" style="margin-bottom: 16px">
+      <a-descriptions :column="3">
+        <a-descriptions-item label="申请单号">{{ form.loanApplicationId || '-' }}</a-descriptions-item>
+        <a-descriptions-item label="申请状态">{{ statusText }}</a-descriptions-item>
+        <a-descriptions-item label="创建人">{{ detailInfo.createdBy || '-' }}</a-descriptions-item>
+      </a-descriptions>
+    </a-card>
+
+    <a-form layout="vertical" :model="form" :disabled="isDetail">
+      <a-card title="基础信息" style="margin-bottom: 16px">
+        <a-row :gutter="16">
+          <a-col :span="8">
+            <a-form-item label="所属渠道" required>
+              <ChannelSelect v-model:model-value="form.channel" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="所属机构">
+              <OrgTreeSelect v-model="form.organizationId" placeholder="请选择所属机构" />
+            </a-form-item>
+          </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="企业客户" required>
+              <a-space>
+                <span v-if="form.enterpriseName">{{ form.enterpriseName }}</span>
+                <a-button v-if="!isDetail" @click="openCustomerPicker">选择企业客户</a-button>
+              </a-space>
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="贷款钱包账号">
+              <a-select
+                v-model:value="form.accountNo"
+                placeholder="请先选择企业客户以加载已开立钱包"
+                :options="walletOptions"
+                :loading="loadingWallet"
+              />
+            </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="16">
+            <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>
+          </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>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="申请金额(元)" required>
+              <a-input v-model:value="form.loanAmount" placeholder="请输入申请金额" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="申请利率(%)">
+              <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="企业信息" style="margin-bottom: 16px">
+        <a-row :gutter="16">
+          <a-col :span="8">
+            <a-form-item label="注册资本">
+              <a-input v-model:value="form.registeredCapital" placeholder="请输入注册资本" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="注册资本币种">
+              <a-input v-model:value="form.registeredCapitalCurrency" placeholder="如:CNY" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="企业类型">
+              <a-input v-model:value="form.enterpriseType" placeholder="请输入企业类型" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="营业执照登记日">
+              <a-date-picker v-model:value="businessLicenseDateModel" style="width: 100%" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="营业执照到期日">
+              <a-date-picker v-model:value="businessLicenseExpiryModel" style="width: 100%" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="企业经济类型">
+              <a-input v-model:value="form.enterpriseOrgType" placeholder="请输入企业经济类型" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="国民经济部门">
+              <a-input v-model:value="form.enterpriseEconomyType" placeholder="请输入国民经济部门" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="国标行业分类">
+              <a-input v-model:value="form.industryCategory" placeholder="请输入国标行业分类" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="上年末从业人数">
+              <a-input-number v-model:value="form.annualEmployeeCount" :min="0" style="width: 100%" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="上年营业收入(元)">
+              <a-input v-model:value="form.annualRevenue" placeholder="请输入上年营业收入" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="上年末资产总额(元)">
+              <a-input v-model:value="form.annualTotalAssets" placeholder="请输入上年末资产总额" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="6">
+            <a-form-item label="是否市场经营者">
+              <a-radio-group v-model:value="form.isMarketOperator">
+                <a-radio value="Y">是</a-radio>
+                <a-radio value="N">否</a-radio>
+              </a-radio-group>
+            </a-form-item>
+          </a-col>
+          <a-col :span="6">
+            <a-form-item label="是否上市公司">
+              <a-radio-group v-model:value="form.isListedCompany">
+                <a-radio value="Y">是</a-radio>
+                <a-radio value="N">否</a-radio>
+              </a-radio-group>
+            </a-form-item>
+          </a-col>
+          <a-col :span="6">
+            <a-form-item label="是否私人控股">
+              <a-radio-group v-model:value="form.isPrivateControlled">
+                <a-radio value="Y">是</a-radio>
+                <a-radio value="N">否</a-radio>
+              </a-radio-group>
+            </a-form-item>
+          </a-col>
+          <a-col :span="6">
+            <a-form-item label="是否政府融资平台">
+              <a-radio-group v-model:value="form.isGovernmentPlatform">
+                <a-radio value="Y">是</a-radio>
+                <a-radio value="N">否</a-radio>
+              </a-radio-group>
+            </a-form-item>
+          </a-col>
+        </a-row>
+      </a-card>
+
+      <a-card title="特殊融资用途标识" style="margin-bottom: 16px">
+        <a-row :gutter="16">
+          <a-col :span="8">
+            <a-form-item label="还贷资金来源">
+              <a-input v-model:value="form.repayFundSource" placeholder="请输入还贷资金来源" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="支农用途">
+              <a-input v-model:value="form.acceptAgricultureType" placeholder="请输入支农用途" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="产业结构调整类型">
+              <a-input v-model:value="form.industryAdjustType" placeholder="请输入产业结构调整类型" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="工业转型升级标识">
+              <a-switch v-model:checked="form.industryUpgradeFlag" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="战略新兴产业类型">
+              <a-input v-model:value="form.newIndustryType" placeholder="请输入战略新兴产业类型" />
+            </a-form-item>
+          </a-col>
+        </a-row>
+      </a-card>
+
+      <a-card title="法定代表人信息" style="margin-bottom: 16px">
+        <a-row :gutter="16">
+          <a-col :span="8">
+            <a-form-item label="法人姓名" required>
+              <a-input v-model:value="form.legalPersonName" placeholder="请输入法人姓名" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人证件类型">
+              <a-input v-model:value="form.legalPersonCertType" placeholder="如:身份证" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人证件号码" required>
+              <a-input v-model:value="form.legalPersonCertId" placeholder="请输入法人证件号码" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人性别">
+              <a-select v-model:value="form.legalPersonGender" placeholder="请选择性别">
+                <a-select-option value="MALE">男</a-select-option>
+                <a-select-option value="FEMALE">女</a-select-option>
+              </a-select>
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人出生日期">
+              <a-date-picker v-model:value="legalPersonBirthdayModel" style="width: 100%" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人证件到期日">
+              <a-date-picker v-model:value="legalPersonCertExpiryModel" style="width: 100%" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人最高学历">
+              <a-select v-model:value="form.legalPersonEducation" 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="法人婚姻状况">
+              <a-select v-model:value="form.legalPersonMarital" 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="法人民族">
+              <a-select v-model:value="form.legalPersonNationality" 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="法人居住地址">
+              <a-input v-model:value="form.legalPersonResidence" placeholder="请输入法人居住地址" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人个人年收入(元)">
+              <a-input v-model:value="form.legalPersonAnnualIncome" placeholder="请输入法人个人年收入" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人手机号码">
+              <a-input v-model:value="form.legalPersonMobile" placeholder="请输入法人手机号码" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="法人电子邮箱">
+              <a-input v-model:value="form.legalPersonEmail" placeholder="请输入法人电子邮箱" />
+            </a-form-item>
+          </a-col>
+        </a-row>
+      </a-card>
+
+      <a-card v-if="form.legalPersonMarital === 'MARRIED'" title="法人配偶信息" style="margin-bottom: 16px">
+        <a-row :gutter="16">
+          <a-col :span="8">
+            <a-form-item label="配偶姓名">
+              <a-input v-model:value="form.spouseName" placeholder="请输入配偶姓名" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="配偶电话">
+              <a-input v-model:value="form.spousePhone" placeholder="请输入配偶电话" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="配偶性别">
+              <a-select v-model:value="form.spouseGender" placeholder="请选择性别">
+                <a-select-option value="MALE">男</a-select-option>
+                <a-select-option value="FEMALE">女</a-select-option>
+              </a-select>
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="配偶证件类型">
+              <a-input v-model:value="form.spouseCertType" placeholder="如:身份证" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="配偶证件号码">
+              <a-input v-model:value="form.spouseCertId" placeholder="请输入配偶证件号码" />
+            </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="姓名" required>
+              <a-input v-model:value="form.emergencyContactName" placeholder="请输入紧急联系人姓名" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="联系电话">
+              <a-input v-model:value="form.emergencyContactPhone" placeholder="请输入紧急联系人电话" />
+            </a-form-item>
+          </a-col>
+        </a-row>
+      </a-card>
+
+      <a-card title="影像资料" style="margin-bottom: 16px">
+        <a-space size="large">
+          <div>
+            <div class="upload-label">营业执照</div>
+            <LicenseUpload :channel-no="form.channel" v-model:file-no="businessLicenseFileNo" />
+          </div>
+          <div>
+            <div class="upload-label">法人身份证人像面</div>
+            <IdCardUpload side="front" :channel-no="form.channel" v-model:file-no="legalPersonIdFrontFileNo" />
+          </div>
+          <div>
+            <div class="upload-label">法人身份证国徽面</div>
+            <IdCardUpload side="back" :channel-no="form.channel" v-model:file-no="legalPersonIdBackFileNo" />
+          </div>
+        </a-space>
+      </a-card>
+    </a-form>
+
+    <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>
+
+    <WalletCustomerPicker ref="customerPickerRef" mode="enterprise" @select="handleSelectCustomer" />
+  </div>
+</template>
+
+<script setup>
+import { ref, reactive, computed, onMounted } from 'vue'
+import { useRoute, useRouter } from 'vue-router'
+import { message } from 'ant-design-vue'
+import dayjs from 'dayjs'
+import ChannelSelect from '@/components/ChannelSelect.vue'
+import OrgTreeSelect from '@/components/OrgTreeSelect.vue'
+import IdCardUpload from '@/components/IdCardUpload.vue'
+import LicenseUpload from '@/components/LicenseUpload.vue'
+import WalletCustomerPicker from '@/components/WalletCustomerPicker.vue'
+import { fetchWalletAccountPageApi } from '@/api/wallet'
+import {
+  createEnterpriseLoanApplicationApi,
+  updateEnterpriseLoanApplicationApi,
+  fetchLoanApplicationDetailApi
+} from '@/api/credit'
+import {
+  GOODS_CATEGORY_OPTIONS,
+  PAYMENT_CYCLE_OPTIONS,
+  ETHNICITY_OPTIONS,
+  EDUCATION_LEVEL_OPTIONS,
+  MARITAL_STATUS_OPTIONS,
+  LOAN_APPLICATION_STATUS_OPTIONS
+} from '@/constants/creditEnums'
+
+const route = useRoute()
+const router = useRouter()
+
+const mode = computed(() => {
+  if (route.path.endsWith('/edit')) return 'edit'
+  if (route.path.endsWith('/detail')) return 'detail'
+  return 'create'
+})
+const isCreate = computed(() => mode.value === 'create')
+const isDetail = computed(() => mode.value === 'detail')
+const pageTitle = computed(() => ({ create: '新增企业贷款申请', edit: '编辑企业贷款申请', detail: '查看企业贷款申请' }[mode.value]))
+
+const submitting = ref(false)
+const loadingWallet = ref(false)
+const walletOptions = ref([])
+const businessLicenseFileNo = ref('')
+const legalPersonIdFrontFileNo = ref('')
+const legalPersonIdBackFileNo = ref('')
+const customerPickerRef = ref(null)
+
+const detailInfo = reactive({ createdBy: '', applicationStatus: '' })
+const statusText = computed(
+  () => LOAN_APPLICATION_STATUS_OPTIONS.find((o) => o.value === detailInfo.applicationStatus)?.label || detailInfo.applicationStatus
+)
+
+const form = reactive({
+  loanApplicationId: undefined,
+  organizationId: undefined,
+  channel: undefined,
+  loanProductCode: '',
+  customerType: 'ENTERPRISE',
+  customerId: undefined,
+  customerName: '',
+  accountNo: undefined,
+  goodsCategory: undefined,
+  paymentCycle: undefined,
+  singleOrderLimit: '',
+  financingRatio: undefined,
+  estimatedReturnRate: undefined,
+  loanTerm: undefined,
+  orderFinancingTerm: undefined,
+  loanAmount: '',
+  emergencyContactPhone: '',
+  loanPurpose: '',
+  enterpriseName: '',
+  applicationInterestRate: '',
+  repayFundSource: '',
+  acceptAgricultureType: '',
+  industryAdjustType: '',
+  industryUpgradeFlag: false,
+  newIndustryType: '',
+  annualEmployeeCount: undefined,
+  annualRevenue: '',
+  annualTotalAssets: '',
+  registeredCapital: '',
+  registeredCapitalCurrency: '',
+  businessLicenseDate: '',
+  businessLicenseExpiry: '',
+  enterpriseType: '',
+  enterpriseOrgType: '',
+  enterpriseEconomyType: '',
+  industryCategory: '',
+  isMarketOperator: 'N',
+  isListedCompany: 'N',
+  isPrivateControlled: 'N',
+  isGovernmentPlatform: 'N',
+  legalPersonCertType: '',
+  legalPersonCertId: '',
+  legalPersonName: '',
+  legalPersonGender: undefined,
+  legalPersonBirthday: '',
+  legalPersonCertExpiry: '',
+  legalPersonEducation: undefined,
+  legalPersonMarital: undefined,
+  legalPersonNationality: undefined,
+  legalPersonResidence: '',
+  legalPersonAnnualIncome: '',
+  legalPersonMobile: '',
+  legalPersonEmail: '',
+  spouseName: '',
+  spousePhone: '',
+  spouseCertType: '',
+  spouseGender: undefined,
+  spouseCertId: '',
+  emergencyContactName: '',
+  businessScope: '',
+  phoneNo: ''
+})
+
+const businessLicenseDateModel = computed({
+  get: () => (form.businessLicenseDate ? dayjs(form.businessLicenseDate) : undefined),
+  set: (val) => (form.businessLicenseDate = val ? val.format('YYYY-MM-DD') : '')
+})
+const businessLicenseExpiryModel = computed({
+  get: () => (form.businessLicenseExpiry ? dayjs(form.businessLicenseExpiry) : undefined),
+  set: (val) => (form.businessLicenseExpiry = val ? val.format('YYYY-MM-DD') : '')
+})
+const legalPersonBirthdayModel = computed({
+  get: () => (form.legalPersonBirthday ? dayjs(form.legalPersonBirthday) : undefined),
+  set: (val) => (form.legalPersonBirthday = val ? val.format('YYYY-MM-DD') : '')
+})
+const legalPersonCertExpiryModel = computed({
+  get: () => (form.legalPersonCertExpiry ? dayjs(form.legalPersonCertExpiry) : undefined),
+  set: (val) => (form.legalPersonCertExpiry = val ? val.format('YYYY-MM-DD') : '')
+})
+
+function openCustomerPicker() {
+  customerPickerRef.value.show()
+}
+
+async function loadWalletOptions(enterpriseName) {
+  loadingWallet.value = true
+  walletOptions.value = []
+  try {
+    const res = await fetchWalletAccountPageApi({ page: 1, pageSize: 50, accountName: enterpriseName })
+    if (res.data.code === 200) {
+      walletOptions.value = (res.data.data.records || []).map((item) => ({
+        label: item.accountNo,
+        value: item.accountNo
+      }))
+    }
+  } finally {
+    loadingWallet.value = false
+  }
+}
+
+async function handleSelectCustomer(record) {
+  form.customerId = record.id
+  form.enterpriseName = record.enterpriseName
+  await loadWalletOptions(record.enterpriseName)
+}
+
+function toFullDate(dateStr) {
+  return dateStr ? `${dateStr} 00:00:00` : undefined
+}
+
+async function loadDetail() {
+  const res = await fetchLoanApplicationDetailApi({ loanApplicationId: route.query.loanApplicationId })
+  if (res.data.code !== 200) return
+  const data = res.data.data
+  Object.assign(form, data, {
+    businessLicenseDate: data.businessLicenseDate ? data.businessLicenseDate.slice(0, 10) : '',
+    businessLicenseExpiry: data.businessLicenseExpiry ? data.businessLicenseExpiry.slice(0, 10) : '',
+    legalPersonBirthday: data.legalPersonBirthday ? data.legalPersonBirthday.slice(0, 10) : '',
+    legalPersonCertExpiry: data.legalPersonCertExpiry ? data.legalPersonCertExpiry.slice(0, 10) : ''
+  })
+  detailInfo.createdBy = data.createdBy
+  detailInfo.applicationStatus = data.applicationStatus
+  if (data.enterpriseName) {
+    await loadWalletOptions(data.enterpriseName)
+  }
+}
+
+onMounted(() => {
+  if (!isCreate.value && route.query.loanApplicationId) {
+    loadDetail()
+  }
+})
+
+function buildImageList() {
+  const list = []
+  if (businessLicenseFileNo.value) list.push({ fileType: '营业执照', fileNo: businessLicenseFileNo.value })
+  if (legalPersonIdFrontFileNo.value) list.push({ fileType: '身份证正面', fileNo: legalPersonIdFrontFileNo.value })
+  if (legalPersonIdBackFileNo.value) list.push({ fileType: '身份证反面', fileNo: legalPersonIdBackFileNo.value })
+  return list
+}
+
+async function handleSubmit() {
+  if (!form.channel) {
+    message.warning('请先选择所属渠道')
+    return
+  }
+  if (!form.enterpriseName) {
+    message.warning('请先选择企业客户')
+    return
+  }
+  submitting.value = true
+  try {
+    const payload = {
+      organizationId: form.organizationId,
+      channel: form.channel,
+      loanProductCode: form.loanProductCode,
+      customerType: form.customerType,
+      customerId: form.customerId,
+      customerName: form.enterpriseName,
+      accountNo: form.accountNo,
+      goodsCategory: form.goodsCategory,
+      paymentCycle: form.paymentCycle,
+      singleOrderLimit: form.singleOrderLimit,
+      financingRatio: form.financingRatio,
+      estimatedReturnRate: form.estimatedReturnRate,
+      loanTerm: form.loanTerm,
+      orderFinancingTerm: form.orderFinancingTerm,
+      loanAmount: form.loanAmount,
+      emergencyContactPhone: form.emergencyContactPhone,
+      loanPurpose: form.loanPurpose,
+      enterpriseName: form.enterpriseName,
+      applicationInterestRate: form.applicationInterestRate,
+      repayFundSource: form.repayFundSource,
+      acceptAgricultureType: form.acceptAgricultureType,
+      industryAdjustType: form.industryAdjustType,
+      industryUpgradeFlag: form.industryUpgradeFlag,
+      newIndustryType: form.newIndustryType,
+      annualEmployeeCount: form.annualEmployeeCount,
+      annualRevenue: form.annualRevenue,
+      annualTotalAssets: form.annualTotalAssets,
+      registeredCapital: form.registeredCapital,
+      registeredCapitalCurrency: form.registeredCapitalCurrency,
+      businessLicenseDate: toFullDate(form.businessLicenseDate),
+      businessLicenseExpiry: toFullDate(form.businessLicenseExpiry),
+      enterpriseType: form.enterpriseType,
+      enterpriseOrgType: form.enterpriseOrgType,
+      enterpriseEconomyType: form.enterpriseEconomyType,
+      industryCategory: form.industryCategory,
+      isMarketOperator: form.isMarketOperator,
+      isListedCompany: form.isListedCompany,
+      isPrivateControlled: form.isPrivateControlled,
+      isGovernmentPlatform: form.isGovernmentPlatform,
+      legalPersonCertType: form.legalPersonCertType,
+      legalPersonCertId: form.legalPersonCertId,
+      legalPersonName: form.legalPersonName,
+      legalPersonGender: form.legalPersonGender,
+      legalPersonBirthday: toFullDate(form.legalPersonBirthday),
+      legalPersonCertExpiry: toFullDate(form.legalPersonCertExpiry),
+      legalPersonEducation: form.legalPersonEducation,
+      legalPersonMarital: form.legalPersonMarital,
+      legalPersonNationality: form.legalPersonNationality,
+      legalPersonResidence: form.legalPersonResidence,
+      legalPersonAnnualIncome: form.legalPersonAnnualIncome,
+      legalPersonMobile: form.legalPersonMobile,
+      legalPersonEmail: form.legalPersonEmail,
+      spouseName: form.spouseName,
+      spousePhone: form.spousePhone,
+      spouseCertType: form.spouseCertType,
+      spouseGender: form.spouseGender,
+      spouseCertId: form.spouseCertId,
+      emergencyContactName: form.emergencyContactName,
+      businessScope: form.businessScope,
+      phoneNo: form.phoneNo,
+      loanApplicationImageBtoList: buildImageList()
+    }
+    let res
+    if (isCreate.value) {
+      res = await createEnterpriseLoanApplicationApi(payload)
+    } else {
+      res = await updateEnterpriseLoanApplicationApi({ 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()
+    }
+  } finally {
+    submitting.value = false
+  }
+}
+
+function goBack() {
+  router.push('/credit/loan-application')
+}
+</script>
+
+<style scoped>
+.upload-label {
+  margin-bottom: 8px;
+  font-size: 12px;
+  color: #666;
+}
+</style>
diff --git a/src/views/credit/loan-application/LoanApplicationList.vue b/src/views/credit/loan-application/LoanApplicationList.vue
new file mode 100644
index 0000000..4acfd31
--- /dev/null
+++ b/src/views/credit/loan-application/LoanApplicationList.vue
@@ -0,0 +1,135 @@
+<!-- src/views/credit/loan-application/LoanApplicationList.vue -->
+<!-- 2.2.1 贷款申请:列表查询字段严格按 /api/credit-apply/loan-application/list 实际支持的
+     入参实现(申请单号/申请类型/申请状态/客户名称/创建时间范围)。原型图要求的"机构/渠道/
+     钱包编号"三项查询条件后端接口不支持,已在《缺失的后端接口.md》登记为缺口,未在此实现。 -->
+<template>
+  <div class="loan-application-list-page">
+    <ProTable
+      :columns="columns"
+      :fetch-data="loadList"
+      :row-selection="false"
+      :initial-search="{ loanApplicationId: '', customerName: '', applicationType: undefined, applicationStatus: undefined, startDate: undefined, endDate: undefined }"
+    >
+      <template #search="{ form }">
+        <a-form-item label="申请单号">
+          <a-input v-model:value="form.loanApplicationId" placeholder="请输入贷款申请单号" allow-clear style="width: 180px" />
+        </a-form-item>
+        <a-form-item label="客户名称">
+          <a-input v-model:value="form.customerName" placeholder="请输入客户名称" allow-clear style="width: 160px" />
+        </a-form-item>
+        <a-form-item label="申请类型">
+          <a-select v-model:value="form.applicationType" placeholder="请选择申请类型" allow-clear style="width: 140px">
+            <a-select-option value="PERSONAL">个人贷款</a-select-option>
+            <a-select-option value="BUSINESS">企业贷款</a-select-option>
+          </a-select>
+        </a-form-item>
+        <a-form-item label="申请状态">
+          <a-select v-model:value="form.applicationStatus" placeholder="请选择申请状态" allow-clear style="width: 140px">
+            <a-select-option v-for="opt in statusOptions" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
+          </a-select>
+        </a-form-item>
+        <a-form-item label="创建时间">
+          <a-range-picker
+            :value="form.startDate && form.endDate ? [form.startDate, form.endDate] : []"
+            value-format="YYYY-MM-DD"
+            @change="(vals) => { form.startDate = vals?.[0]; form.endDate = vals?.[1] }"
+          />
+        </a-form-item>
+      </template>
+
+      <template #actions>
+        <a-dropdown>
+          <a-button type="primary">
+            贷款申请 <DownOutlined />
+          </a-button>
+          <template #overlay>
+            <a-menu @click="handleCreateMenuClick">
+              <a-menu-item key="personal">个人贷款申请</a-menu-item>
+              <a-menu-item key="enterprise">企业贷款申请</a-menu-item>
+            </a-menu>
+          </template>
+        </a-dropdown>
+      </template>
+
+      <template #bodyCell="{ column, record, index }">
+        <template v-if="column.dataIndex === 'index'">{{ index + 1 }}</template>
+        <template v-else-if="column.dataIndex === 'applicationType'">
+          {{ record.applicationType === 'PERSONAL' ? '个人贷款' : '企业贷款' }}
+        </template>
+        <template v-else-if="column.dataIndex === 'applicationStatus'">
+          <StatusTag :value="record.applicationStatus" :map="statusMap" />
+        </template>
+        <template v-else-if="column.dataIndex === 'action'">
+          <a-space>
+            <a @click="goDetail(record)">查看</a>
+            <a v-if="record.applicationStatus === 'DRAFT'" @click="goEdit(record)">编辑</a>
+          </a-space>
+        </template>
+      </template>
+    </ProTable>
+  </div>
+</template>
+
+<script setup>
+import { useRouter } from 'vue-router'
+import { DownOutlined } from '@ant-design/icons-vue'
+import ProTable from '@/components/ProTable.vue'
+import StatusTag from '@/components/StatusTag.vue'
+import { fetchLoanApplicationListApi } from '@/api/credit'
+
+const router = useRouter()
+
+const statusOptions = [
+  { value: 'DRAFT', label: '待确认' },
+  { value: 'CONFIRMED', label: '已确认' },
+  { value: 'SUBMITTED', label: '已申请' },
+  { value: 'APPLY_FAILED', label: '申请失败' }
+]
+const statusMap = {
+  DRAFT: { text: '待确认', color: 'default' },
+  CONFIRMED: { text: '已确认', color: 'blue' },
+  SUBMITTED: { text: '已申请', color: 'green' },
+  APPLY_FAILED: { text: '申请失败', color: 'red' }
+}
+
+const columns = [
+  { title: '序号', dataIndex: 'index', width: 60 },
+  { title: '申请单号', dataIndex: 'loanApplicationId' },
+  { title: '客户名称', dataIndex: 'customerName' },
+  { title: '申请类型', dataIndex: 'applicationType' },
+  { title: '贷款产品编号', dataIndex: 'loanProductCode' },
+  { title: '申请金额', dataIndex: 'loanAmount' },
+  { title: '申请利率(%)', dataIndex: 'applicationInterestRate' },
+  { title: '渠道', dataIndex: 'channel' },
+  { title: '状态', dataIndex: 'applicationStatus' },
+  { title: '创建人', dataIndex: 'createdBy' },
+  { title: '操作', dataIndex: 'action', width: 120 }
+]
+
+async function loadList(params) {
+  const payload = { ...params }
+  if (payload.startDate) payload.createDateStart = `${payload.startDate} 00:00:00`
+  if (payload.endDate) payload.createDateEnd = `${payload.endDate} 23:59:59`
+  delete payload.startDate
+  delete payload.endDate
+  const res = await fetchLoanApplicationListApi(payload)
+  if (res.data.code === 200) {
+    return { list: res.data.data.records || [], total: res.data.data.total || 0 }
+  }
+  return { list: [], total: 0 }
+}
+
+function handleCreateMenuClick({ key }) {
+  router.push(`/credit/loan-application/${key}/create`)
+}
+
+function goDetail(record) {
+  const type = record.applicationType === 'PERSONAL' ? 'personal' : 'enterprise'
+  router.push({ path: `/credit/loan-application/${type}/detail`, query: { loanApplicationId: record.loanApplicationId } })
+}
+
+function goEdit(record) {
+  const type = record.applicationType === 'PERSONAL' ? 'personal' : 'enterprise'
+  router.push({ path: `/credit/loan-application/${type}/edit`, query: { loanApplicationId: record.loanApplicationId } })
+}
+</script>
diff --git a/src/views/credit/loan-application/PersonalLoanForm.vue b/src/views/credit/loan-application/PersonalLoanForm.vue
new file mode 100644
index 0000000..2f413d9
--- /dev/null
+++ b/src/views/credit/loan-application/PersonalLoanForm.vue
@@ -0,0 +1,493 @@
+<!-- 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。 -->
+<template>
+  <div class="personal-loan-form-page">
+    <a-page-header :title="pageTitle" @back="goBack" />
+
+    <a-card v-if="!isCreate" style="margin-bottom: 16px">
+      <a-descriptions :column="3">
+        <a-descriptions-item label="申请单号">{{ form.loanApplicationId || '-' }}</a-descriptions-item>
+        <a-descriptions-item label="申请状态">{{ statusText }}</a-descriptions-item>
+        <a-descriptions-item label="创建人">{{ detailInfo.createdBy || '-' }}</a-descriptions-item>
+      </a-descriptions>
+    </a-card>
+
+    <a-form layout="vertical" :model="form" :disabled="isDetail">
+      <a-card title="基础信息" style="margin-bottom: 16px">
+        <a-row :gutter="16">
+          <a-col :span="8">
+            <a-form-item label="所属渠道" required>
+              <ChannelSelect v-model:model-value="form.channel" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="所属机构">
+              <OrgTreeSelect v-model="form.organizationId" placeholder="请选择所属机构" />
+            </a-form-item>
+          </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>
+            </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>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="申请金额(元)" required>
+              <a-input v-model:value="form.loanAmount" placeholder="请输入申请金额" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="申请利率(%)">
+              <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>
+          </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>
+          </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>
+          </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-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-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-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-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-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-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>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="联系电话">
+              <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-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>
+          </a-col>
+        </a-row>
+      </a-card>
+
+      <a-card v-if="form.maritalStatus === 'MARRIED'" title="配偶信息" style="margin-bottom: 16px">
+        <a-row :gutter="16">
+          <a-col :span="8">
+            <a-form-item label="配偶姓名">
+              <a-input v-model:value="form.spouseName" placeholder="请输入配偶姓名" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="配偶电话">
+              <a-input v-model:value="form.spousePhone" placeholder="请输入配偶电话" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="配偶性别">
+              <a-select v-model:value="form.spouseGender" placeholder="请选择性别">
+                <a-select-option value="MALE">男</a-select-option>
+                <a-select-option value="FEMALE">女</a-select-option>
+              </a-select>
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="配偶证件类型">
+              <a-input v-model:value="form.spouseCertType" placeholder="如:身份证" />
+            </a-form-item>
+          </a-col>
+          <a-col :span="8">
+            <a-form-item label="配偶证件号码">
+              <a-input v-model:value="form.spouseCertId" placeholder="请输入配偶证件号码" />
+            </a-form-item>
+          </a-col>
+        </a-row>
+      </a-card>
+
+      <a-card title="影像资料" style="margin-bottom: 16px">
+        <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" />
+          </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" />
+          </div>
+          <div>
+            <div class="upload-label">营业执照(选填)</div>
+            <LicenseUpload :channel-no="form.channel" v-model:file-no="businessLicenseFileNo" />
+          </div>
+        </a-space>
+      </a-card>
+    </a-form>
+
+    <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>
+
+    <WalletCustomerPicker ref="customerPickerRef" mode="personal" @select="handleSelectCustomer" />
+  </div>
+</template>
+
+<script setup>
+import { ref, reactive, computed, onMounted } from 'vue'
+import { useRoute, useRouter } from 'vue-router'
+import { message } from 'ant-design-vue'
+import dayjs from 'dayjs'
+import ChannelSelect from '@/components/ChannelSelect.vue'
+import OrgTreeSelect from '@/components/OrgTreeSelect.vue'
+import IdCardUpload from '@/components/IdCardUpload.vue'
+import LicenseUpload from '@/components/LicenseUpload.vue'
+import WalletCustomerPicker from '@/components/WalletCustomerPicker.vue'
+import {
+  createPersonalLoanApplicationApi,
+  updatePersonalLoanApplicationApi,
+  fetchLoanApplicationDetailApi
+} from '@/api/credit'
+import {
+  GOODS_CATEGORY_OPTIONS,
+  PAYMENT_CYCLE_OPTIONS,
+  ETHNICITY_OPTIONS,
+  EDUCATION_LEVEL_OPTIONS,
+  MARITAL_STATUS_OPTIONS,
+  EMERGENCY_CONTACT_RELATION_OPTIONS,
+  LOAN_APPLICATION_STATUS_OPTIONS
+} from '@/constants/creditEnums'
+
+const route = useRoute()
+const router = useRouter()
+
+const mode = computed(() => {
+  if (route.path.endsWith('/edit')) return 'edit'
+  if (route.path.endsWith('/detail')) return 'detail'
+  return 'create'
+})
+const isCreate = computed(() => mode.value === 'create')
+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)
+const idCardFrontFileNo = ref('')
+const idCardBackFileNo = ref('')
+const businessLicenseFileNo = ref('')
+const customerPickerRef = ref(null)
+
+const detailInfo = reactive({ createdBy: '', applicationStatus: '' })
+const statusText = computed(
+  () => LOAN_APPLICATION_STATUS_OPTIONS.find((o) => o.value === detailInfo.applicationStatus)?.label || detailInfo.applicationStatus
+)
+
+const form = reactive({
+  loanApplicationId: undefined,
+  organizationId: undefined,
+  channel: undefined,
+  loanProductCode: '',
+  customerName: '',
+  goodsCategory: undefined,
+  paymentCycle: undefined,
+  singleOrderLimit: '',
+  financingRatio: undefined,
+  estimatedReturnRate: undefined,
+  loanTerm: undefined,
+  orderFinancingTerm: undefined,
+  loanAmount: '',
+  emergencyContactPhone: '',
+  loanPurpose: '',
+  permanentAddress: '',
+  enterpriseName: '',
+  applicationInterestRate: '',
+  ethnicity: undefined,
+  educationLevel: undefined,
+  maritalStatus: undefined,
+  registeredCity: '',
+  annualPersonalIncome: '',
+  annualFamilyIncome: '',
+  businessStartDate: '',
+  emergencyContactRelation: undefined,
+  spouseName: '',
+  spousePhone: '',
+  spouseCertType: '',
+  spouseGender: undefined,
+  spouseCertId: '',
+  emergencyContactName: '',
+  businessScope: '',
+  phoneNo: ''
+})
+
+const businessStartDateModel = computed({
+  get: () => (form.businessStartDate ? dayjs(form.businessStartDate) : undefined),
+  set: (val) => (form.businessStartDate = val ? val.format('YYYY-MM-DD') : '')
+})
+
+function openCustomerPicker() {
+  customerPickerRef.value.show()
+}
+
+function handleSelectCustomer(record) {
+  form.customerName = record.customerName
+  form.phoneNo = record.mobilePhone || form.phoneNo
+  form.permanentAddress = record.certificateAddress || form.permanentAddress
+}
+
+function toFullDate(dateStr) {
+  return dateStr ? `${dateStr} 00:00:00` : undefined
+}
+
+async function loadDetail() {
+  const res = await fetchLoanApplicationDetailApi({ loanApplicationId: route.query.loanApplicationId })
+  if (res.data.code !== 200) return
+  const data = res.data.data
+  Object.assign(form, {
+    loanApplicationId: data.loanApplicationId,
+    organizationId: data.organizationId,
+    channel: data.channel,
+    loanProductCode: data.loanProductCode,
+    customerName: data.customerName,
+    goodsCategory: data.goodsCategory,
+    paymentCycle: data.paymentCycle,
+    singleOrderLimit: data.singleOrderLimit,
+    financingRatio: data.financingRatio,
+    estimatedReturnRate: data.estimatedReturnRate,
+    loanTerm: data.loanTerm,
+    orderFinancingTerm: data.orderFinancingTerm,
+    loanAmount: data.loanAmount,
+    emergencyContactPhone: data.emergencyContactPhone,
+    loanPurpose: data.loanPurpose,
+    permanentAddress: data.permanentAddress,
+    enterpriseName: data.enterpriseName,
+    applicationInterestRate: data.applicationInterestRate,
+    ethnicity: data.ethnicity,
+    educationLevel: data.educationLevel,
+    maritalStatus: data.maritalStatus,
+    registeredCity: data.registeredCity,
+    annualPersonalIncome: data.annualPersonalIncome,
+    annualFamilyIncome: data.annualFamilyIncome,
+    businessStartDate: data.businessStartDate ? data.businessStartDate.slice(0, 10) : '',
+    emergencyContactRelation: data.emergencyContactRelation,
+    spouseName: data.spouseName,
+    spousePhone: data.spousePhone,
+    spouseCertType: data.spouseCertType,
+    spouseGender: data.spouseGender,
+    spouseCertId: data.spouseCertId,
+    emergencyContactName: data.emergencyContactName,
+    businessScope: data.businessScope,
+    phoneNo: data.phoneNo
+  })
+  detailInfo.createdBy = data.createdBy
+  detailInfo.applicationStatus = data.applicationStatus
+}
+
+onMounted(() => {
+  if (!isCreate.value && route.query.loanApplicationId) {
+    loadDetail()
+  }
+})
+
+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 })
+  return list
+}
+
+async function handleSubmit() {
+  if (!form.channel) {
+    message.warning('请先选择所属渠道')
+    return
+  }
+  submitting.value = true
+  try {
+    const payload = {
+      organizationId: form.organizationId,
+      channel: form.channel,
+      loanProductCode: form.loanProductCode,
+      customerName: form.customerName,
+      goodsCategory: form.goodsCategory,
+      paymentCycle: form.paymentCycle,
+      singleOrderLimit: form.singleOrderLimit,
+      financingRatio: form.financingRatio,
+      estimatedReturnRate: form.estimatedReturnRate,
+      loanTerm: form.loanTerm,
+      orderFinancingTerm: form.orderFinancingTerm,
+      loanAmount: form.loanAmount,
+      emergencyContactPhone: form.emergencyContactPhone,
+      loanPurpose: form.loanPurpose,
+      permanentAddress: form.permanentAddress,
+      enterpriseName: form.enterpriseName,
+      applicationInterestRate: form.applicationInterestRate,
+      ethnicity: form.ethnicity,
+      educationLevel: form.educationLevel,
+      maritalStatus: form.maritalStatus,
+      registeredCity: form.registeredCity,
+      annualPersonalIncome: form.annualPersonalIncome,
+      annualFamilyIncome: form.annualFamilyIncome,
+      businessStartDate: toFullDate(form.businessStartDate),
+      emergencyContactRelation: form.emergencyContactRelation,
+      spouseName: form.spouseName,
+      spousePhone: form.spousePhone,
+      spouseCertType: form.spouseCertType,
+      spouseGender: form.spouseGender,
+      spouseCertId: form.spouseCertId,
+      emergencyContactName: form.emergencyContactName,
+      businessScope: form.businessScope,
+      phoneNo: form.phoneNo,
+      loanApplicationImageBtoList: buildImageList()
+    }
+    let res
+    if (isCreate.value) {
+      res = await createPersonalLoanApplicationApi(payload)
+    } else {
+      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()
+    }
+  } finally {
+    submitting.value = false
+  }
+}
+
+function goBack() {
+  router.push('/credit/loan-application')
+}
+</script>
+
+<style scoped>
+.upload-label {
+  margin-bottom: 8px;
+  font-size: 12px;
+  color: #666;
+}
+</style>
diff --git a/缺失的后端接口.md b/缺失的后端接口.md
index f141039..0b43745 100644
--- a/缺失的后端接口.md
+++ b/缺失的后端接口.md
@@ -151,6 +151,16 @@
 | `POST enterprise-open-application/update` | `UpdateEnterpriseAccountOpenApplicationBto`,**要求 `id`(int64)** |
 | `POST enterprise-bank-card/list` / `bind` / `unbind` | 企业绑卡管理三件套,字段结构同个人绑卡但用 `primaryAccount`/`accountProperty` |
 
+### 1.12 授信管理 —— 贷款申请(`/api/credit-apply/*`)
+
+| 接口 | 说明 |
+| --- | --- |
+| `POST credit-apply/loan-application/list` | 柜员分页查询,入参仅支持 `loanApplicationId/applicationStatus/applicationType/customerName/createDateStart/createDateEnd`,响应 `records: LoanApplicationVo[]` |
+| `POST credit-apply/loan-application/detail` | `{loanApplicationId}`,响应 `LoanApplicationDetailVo`(个人/企业字段混合于同一模型,约60余字段) |
+| `POST credit-apply/personal-loan-application/create` / `update` | 个人贷款申请草稿创建/修改(仅 DRAFT 可改),响应 `data` 为 `loanApplicationId` 字符串 |
+| `POST credit-apply/enterprise-loan-application/create` / `update` | 企业贷款申请草稿创建/修改,响应 `CreateEnterpriseLoanDraftResultVo` |
+| `POST credit-apply/loan-application/confirm` | 申请人微信扫码确认(短验+人脸识别),移动端流程,不在本项目前端范围 |
+
 ---
 
 ## Part 2:待后端确认 / 建议补充事项
@@ -213,3 +223,24 @@
 25. **企业开户申请受益人信息 `enterpriseAccountOpenApplicationBeneficiaryBtoList` 是否支持多条受益人
     在 `update` 时的增删语义(全量替换 vs 增量)未在 swagger 说明**:前端当前只支持维护单条受益人信息,
     提交时整体覆盖该数组,若产品侧需要多受益人管理,需后端明确该数组的更新语义。
+26. **贷款申请存在两组平行接口 `/api/loan-application/*` 与 `/api/credit-apply/*`**:前者(`create-personal`
+    `create-enterprise`/`detail`/`page`)与后者(`personal-loan-application/create`等)字段结构不同、
+    用途描述均不完整,前端已选用后者(`credit-apply` 组,描述明确标注"银行柜员"场景且具备
+    DRAFT→CONFIRMED→SUBMITTED 状态机,与阶段4风格一致),前者暂未使用,建议后端确认是否为废弃接口或
+    说明二者分工,避免维护两套语义重叠的接口。
+27. **个人贷款申请草稿 `CreatePersonalLoanApplicationDraftBto` 不含 `customerId`/账户号(钱包账号)字段**:
+    与企业贷款草稿 `CreateEnterpriseLoanDraftBto`(含 `customerId`+`accountNo`)不对称,个人贷款申请无法
+    与具体客户ID、具体钱包账号建立强关联,选择客户仅能回填 `customerName`/`phoneNo`/`permanentAddress`
+    三个文本字段,不产生外键关系,与需求文档"贷款钱包仅展示申请人已开立的钱包"的描述存在能力缺口,
+    建议后端为个人贷款草稿补充 `customerId`/`accountNo` 字段。
+28. **贷款产品(`loanProductCode`)无独立的列表/字典查询接口**:前端改为柜员手动输入产品编号文本框,
+    无法做下拉选择与合法性校验,建议后端补充贷款产品字典查询接口。
+29. **企业贷款草稿字段 `customerType` 无 enum 约束说明**:前端按项目既有命名习惯猜测传值 `'ENTERPRISE'`,
+    需后端确认合法取值(可能是 `'ENTERPRISE'`/`'BUSINESS'`/`'企业'` 等其他形式)。
+30. **贷款申请没有"按企业客户查询其已开立钱包账号"的专用接口**:前端改为选定企业客户后,调用通用的
+    `wallet-account/page` 按 `accountName`(企业名称文本)模糊匹配钱包账户列表供人工选择,若同名不同企业
+    或企业名称与钱包账户名称不完全一致,可能匹配不到或匹配错误,建议后端补充按 `customerId` 精确查询
+    钱包账号的专用接口。
+31. **法定代表人/配偶相关字段(`legalPersonEducation`/`legalPersonMarital`/`legalPersonNationality`/
+    `legalPersonGender`/`spouseGender` 等)均为无枚举约束的纯字符串**:前端为提升可用性复用个人贷款
+    对应枚举的取值域渲染下拉框,但后端未做强校验,实际入库是否要求严格匹配以实测为准。