diff --git a/src/views/customer/personal/PersonalForm.vue b/src/views/customer/personal/PersonalForm.vue
new file mode 100644
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+++ b/src/views/customer/personal/PersonalForm.vue
@@ -0,0 +1,222 @@
+<!-- src/views/customer/personal/PersonalForm.vue -->
+<template>
+  <div class="personal-customer-form-page">
+    <a-page-header :title="pageTitle" @back="goBack" />
+    <a-card>
+      <a-form ref="formRef" layout="vertical" :model="form" :rules="rules" :disabled="isDetail">
+        <a-form-item v-if="!isDetail" label="所属渠道" required>
+          <ChannelSelect v-model:model-value="channelNo" />
+        </a-form-item>
+
+        <a-form-item label="身份证照片" required>
+          <a-space size="large">
+            <IdCardUpload
+              side="front"
+              :channel-no="channelNo"
+              v-model:file-no="form.idCardFrontFileNo"
+              @ocr-result="handleOcrResult"
+              @ocr-status="(status) => (ocrStatus = status)"
+            />
+            <IdCardUpload
+              side="back"
+              :channel-no="channelNo"
+              v-model:file-no="form.idCardBackFileNo"
+              @ocr-result="handleOcrResult"
+              @ocr-status="(status) => (ocrStatus = status)"
+            />
+          </a-space>
+        </a-form-item>
+
+        <a-form-item label="所属机构" name="organizationId">
+          <OrgTreeSelect v-model="form.organizationId" placeholder="请选择所属机构" />
+        </a-form-item>
+        <a-form-item label="客户名称" name="customerName">
+          <a-input v-model:value="form.customerName" placeholder="请输入客户名称(OCR自动填充)" />
+        </a-form-item>
+        <a-form-item label="证件类型">
+          <a-input value="身份证" disabled />
+        </a-form-item>
+        <a-form-item label="证件号码" name="certificateNumber">
+          <a-input v-model:value="form.certificateNumber" placeholder="请输入证件号码(OCR自动填充)" />
+        </a-form-item>
+        <a-form-item label="出生日期" name="birthDate">
+          <a-date-picker v-model:value="birthDateValue" style="width: 100%" value-format="YYYY-MM-DD" />
+        </a-form-item>
+        <a-form-item label="性别" name="gender">
+          <a-select v-model:value="form.gender">
+            <a-select-option value="MALE">男</a-select-option>
+            <a-select-option value="FEMALE">女</a-select-option>
+            <a-select-option value="UNKNOWN">未知</a-select-option>
+          </a-select>
+        </a-form-item>
+        <a-form-item label="民族" name="ethnicity">
+          <a-input v-model:value="form.ethnicity" placeholder="请输入民族(OCR自动填充)" />
+        </a-form-item>
+        <a-form-item label="证件生效日" name="certificateEffectiveDate">
+          <a-date-picker v-model:value="effectiveDateValue" style="width: 100%" value-format="YYYY-MM-DD" />
+        </a-form-item>
+        <a-form-item label="证件到期日" name="certificateExpiryDate">
+          <a-date-picker v-model:value="expiryDateValue" style="width: 100%" value-format="YYYY-MM-DD" />
+          <div v-if="isExpired" class="expired-hint">证件已过期,请更换有效证件</div>
+        </a-form-item>
+        <a-form-item label="签发机关" name="issuingAuthority">
+          <a-input v-model:value="form.issuingAuthority" placeholder="请输入签发机关(OCR自动填充)" />
+        </a-form-item>
+        <a-form-item label="证件地址" name="certificateAddress">
+          <a-input v-model:value="form.certificateAddress" placeholder="请输入证件地址(OCR自动填充)" />
+        </a-form-item>
+        <a-form-item label="职业" name="occupation">
+          <a-input v-model:value="form.occupation" placeholder="请输入职业" />
+        </a-form-item>
+        <a-form-item label="手机号码" name="mobilePhone">
+          <a-input v-model:value="form.mobilePhone" placeholder="请输入11位手机号" />
+        </a-form-item>
+      </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>
+    </a-card>
+  </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 IdCardUpload from '@/components/IdCardUpload.vue'
+import OrgTreeSelect from '@/components/OrgTreeSelect.vue'
+import {
+  fetchPersonalCustomerDetailApi,
+  createPersonalCustomerApi,
+  updatePersonalCustomerApi
+} from '@/api/customer'
+import { mapOcrIdCardResult } from '@/utils/ocrMapping'
+import { phoneValidatorRule, idCardValidatorRule } from '@/utils/validators'
+
+const route = useRoute()
+const router = useRouter()
+
+const mode = computed(() => route.query.mode || 'create')
+const isDetail = computed(() => mode.value === 'detail')
+const pageTitle = computed(() => ({ create: '新增个人客户', edit: '编辑个人客户', detail: '查看个人客户' }[mode.value]))
+
+const channelNo = ref(undefined)
+const ocrStatus = ref('PENDING')
+const submitting = ref(false)
+const formRef = ref(null)
+
+const form = reactive({
+  id: '',
+  organizationId: undefined,
+  customerName: '',
+  certificateNumber: '',
+  birthDate: '',
+  gender: 'UNKNOWN',
+  ethnicity: '',
+  certificateEffectiveDate: '',
+  certificateExpiryDate: '',
+  issuingAuthority: '',
+  certificateAddress: '',
+  occupation: '',
+  mobilePhone: '',
+  idCardFrontFileNo: '',
+  idCardBackFileNo: ''
+})
+
+const birthDateValue = computed({
+  get: () => (form.birthDate ? dayjs(form.birthDate) : undefined),
+  set: (val) => (form.birthDate = val ? val.format('YYYY-MM-DD') : '')
+})
+const effectiveDateValue = computed({
+  get: () => (form.certificateEffectiveDate ? dayjs(form.certificateEffectiveDate) : undefined),
+  set: (val) => (form.certificateEffectiveDate = val ? val.format('YYYY-MM-DD') : '')
+})
+const expiryDateValue = computed({
+  get: () => (form.certificateExpiryDate ? dayjs(form.certificateExpiryDate) : undefined),
+  set: (val) => (form.certificateExpiryDate = val ? val.format('YYYY-MM-DD') : '')
+})
+
+const isExpired = computed(
+  () => !!form.certificateExpiryDate && dayjs(form.certificateExpiryDate).isBefore(dayjs(), 'day')
+)
+
+const rules = {
+  organizationId: [{ required: true, message: '请选择所属机构' }],
+  customerName: [{ required: true, message: '请输入客户名称' }],
+  certificateNumber: [idCardValidatorRule()],
+  mobilePhone: [phoneValidatorRule()]
+}
+
+function handleOcrResult(ocrData) {
+  Object.assign(form, mapOcrIdCardResult(ocrData))
+}
+
+async function loadDetail(id) {
+  const res = await fetchPersonalCustomerDetailApi({ id })
+  if (res.data.code === 200) {
+    Object.assign(form, res.data.data)
+  }
+}
+
+onMounted(() => {
+  if (route.query.id) {
+    loadDetail(route.query.id)
+  }
+})
+
+function goBack() {
+  router.push('/customer/personal')
+}
+
+async function handleSubmit() {
+  try {
+    await formRef.value.validate()
+  } catch {
+    return
+  }
+  submitting.value = true
+  try {
+    const toFullDate = (d) => (d ? `${d} 00:00:00` : undefined)
+    const payload = {
+      organizationId: form.organizationId,
+      customerName: form.customerName,
+      certificateType: 'ID_CARD',
+      certificateNumber: form.certificateNumber,
+      birthDate: toFullDate(form.birthDate),
+      gender: form.gender,
+      ethnicity: form.ethnicity,
+      certificateEffectiveDate: toFullDate(form.certificateEffectiveDate),
+      certificateExpiryDate: toFullDate(form.certificateExpiryDate),
+      issuingAuthority: form.issuingAuthority,
+      mobilePhone: form.mobilePhone,
+      certificateAddress: form.certificateAddress,
+      idCardFrontFileNo: form.idCardFrontFileNo,
+      idCardBackFileNo: form.idCardBackFileNo,
+      occupation: form.occupation,
+      ocrStatus: ocrStatus.value
+    }
+    const res =
+      mode.value === 'create'
+        ? await createPersonalCustomerApi(payload)
+        : await updatePersonalCustomerApi({ id: form.id, ...payload })
+    if (res.data.code === 200) {
+      message.success(mode.value === 'create' ? '新增成功' : '修改成功')
+      goBack()
+    }
+  } finally {
+    submitting.value = false
+  }
+}
+</script>
+
+<style scoped>
+.expired-hint {
+  color: #ff4d4f;
+  font-size: 12px;
+  margin-top: 4px;
+}
+</style>