diff --git a/src/views/wallet/account/AccountDetail.vue b/src/views/wallet/account/AccountDetail.vue
index 7aca5e6..9447e36 100644
--- a/src/views/wallet/account/AccountDetail.vue
+++ b/src/views/wallet/account/AccountDetail.vue
@@ -1,62 +1,113 @@
 <!-- src/views/wallet/account/AccountDetail.vue -->
 <!-- 2.6.4/2.6.5 账户主页:余额卡片 + 交易明细(时间范围查询+前端本地分页)+ 提现/保证金/回单/对账单入口。
-     WalletAccountDetailVo 不含 accountName,页面标题与提交字段用的账户名来自路由 query(由 AccountList 传递)。 -->
+     WalletAccountDetailVo 不含 accountName,页面标题与提交字段用的账户名来自路由 query(由 AccountList 传递)。
+     2026-08-10 起本页按最新参考原型美化,并去掉了"所属渠道"筛选条件:渠道编号完全依赖 AccountList
+     "查看"按钮通过路由 query 透传的 record.channelNo(见下方 channelNo 定义处注释),不再提供页面内
+     手动选择渠道的入口——所以本页所有依赖 channelNo 的操作(账户主页加载/查询/提现/回单/对账单)
+     若发现 channelNo 缺失只能提示用户返回列表重新进入,无法在本页补选。 -->
 <template>
   <div class="wallet-account-detail-page">
-    <a-page-header :title="`账户主页 - ${accountName}`" @back="goBack" />
+    <a-page-header class="account-page-header" :title="accountName" @back="goBack" />
 
-    <a-card style="margin-bottom: 16px">
-      <a-form layout="inline">
-        <a-form-item label="所属渠道" required>
-          <ChannelSelect v-model:model-value="channelNo" />
-        </a-form-item>
-      </a-form>
-    </a-card>
+    <a-alert
+      v-if="!channelNo"
+      type="warning"
+      show-icon
+      message="当前账户缺少渠道信息,账户主页与交易明细暂无法加载,请返回账户列表重新进入本页"
+      style="margin-bottom: 16px"
+    />
 
-    <a-row :gutter="16" style="margin-bottom: 16px">
-      <a-col :span="6" v-if="detail.mainAccountNo">
-        <a-card title="主账户(A1)">
-          <p>账号:{{ detail.mainAccountNo }}</p>
-          <p>余额:{{ detail.mainBalance }}</p>
-          <a-button type="primary" size="small" :disabled="!channelNo" @click="openWithdraw">提现</a-button>
-        </a-card>
-      </a-col>
-      <a-col :span="6" v-if="detail.a2AccountNo">
-        <a-card title="电商账户(A2)">
-          <p>账号:{{ detail.a2AccountNo }}</p>
-          <p>余额:{{ detail.a2Balance }}</p>
-        </a-card>
-      </a-col>
-      <a-col :span="6" v-if="detail.a6AccountNo">
-        <a-card title="保证金账户(A6)">
-          <p>账号:{{ detail.a6AccountNo }}</p>
-          <p>余额:{{ detail.a6Balance }}</p>
-          <a-space>
-            <a-button size="small" @click="openMargin('pay')">缴纳</a-button>
-            <a-button size="small" @click="openMargin('release')">释放</a-button>
-          </a-space>
-        </a-card>
-      </a-col>
-      <a-col :span="6" v-if="detail.a7AccountNo">
-        <a-card title="分户账户(A7)">
-          <p>账号:{{ detail.a7AccountNo }}</p>
-          <p>余额:{{ detail.a7Balance }}</p>
-        </a-card>
-      </a-col>
-    </a-row>
+    <div class="account-cards">
+      <div v-if="detail.mainAccountNo" class="account-card">
+        <div class="account-card__head">
+          <a-tag color="blue" class="account-card__tag">主账户A1</a-tag>
+          <span class="account-card__no">{{ detail.mainAccountNo }}</span>
+        </div>
+        <div class="account-card__body">
+          <div class="account-card__balance-wrap">
+            <span class="account-card__balance-label">余额:</span>
+            <span class="account-card__balance">¥{{ detail.mainBalance }}</span>
+          </div>
+          <div class="account-card__actions">
+            <a-button type="link" size="small" :disabled="!channelNo" @click="openWithdraw">提现</a-button>
+          </div>
+        </div>
+      </div>
 
-    <a-card title="交易明细">
-      <template #extra>
-        <a-space>
-          <a-button size="small" @click="setQuickRange('today')">今天</a-button>
-          <a-button size="small" @click="setQuickRange('lastMonth')">上月</a-button>
-          <a-button size="small" @click="setQuickRange('last3Months')">近三月</a-button>
-          <a-range-picker v-model:value="rangeValue" value-format="YYYY-MM-DD" @change="handleRangeChange" />
-          <a-button type="primary" :disabled="!channelNo" :loading="txLoading" @click="loadTransactionDetail">查询</a-button>
-          <a-button :disabled="!channelNo" @click="handleDownloadReceipt">回单下载</a-button>
-          <a-button :disabled="!channelNo" @click="statementModalOpen = true">对账单下载</a-button>
-        </a-space>
-      </template>
+      <div v-if="detail.a2AccountNo" class="account-card">
+        <div class="account-card__head">
+          <a-tag color="cyan" class="account-card__tag">电商账户A2</a-tag>
+          <span class="account-card__no">{{ detail.a2AccountNo }}</span>
+        </div>
+        <div class="account-card__body">
+          <div class="account-card__balance-wrap">
+            <span class="account-card__balance-label">余额:</span>
+            <span class="account-card__balance">¥{{ detail.a2Balance }}</span>
+          </div>
+        </div>
+      </div>
+
+      <div v-if="detail.a6AccountNo" class="account-card">
+        <div class="account-card__head">
+          <a-tag color="gold" class="account-card__tag">保证金账户A6</a-tag>
+          <span class="account-card__no">{{ detail.a6AccountNo }}</span>
+        </div>
+        <div class="account-card__body">
+          <div class="account-card__balance-wrap">
+            <span class="account-card__balance-label">余额:</span>
+            <span class="account-card__balance">¥{{ detail.a6Balance }}</span>
+          </div>
+          <div class="account-card__actions">
+            <a-button type="link" size="small" @click="openMargin('pay')">缴纳</a-button>
+            <a-button type="link" size="small" @click="openMargin('release')">释放</a-button>
+          </div>
+        </div>
+      </div>
+
+      <div v-if="detail.a7AccountNo" class="account-card">
+        <div class="account-card__head">
+          <a-tag color="purple" class="account-card__tag">分户账户A7</a-tag>
+          <span class="account-card__no">{{ detail.a7AccountNo }}</span>
+        </div>
+        <div class="account-card__body">
+          <div class="account-card__balance-wrap">
+            <span class="account-card__balance-label">余额:</span>
+            <span class="account-card__balance">¥{{ detail.a7Balance }}</span>
+          </div>
+        </div>
+      </div>
+    </div>
+
+    <div class="transaction-panel">
+      <div class="filter-bar">
+        <span class="filter-bar__label">交易时间:</span>
+        <a-range-picker v-model:value="rangeValue" value-format="YYYY-MM-DD" @change="onRangePickerChange" />
+        <div class="quick-range-group">
+          <a-button
+            v-for="opt in quickRangeOptions"
+            :key="opt.value"
+            size="small"
+            class="quick-range-btn"
+            :class="{ active: activeQuickRange === opt.value }"
+            @click="setQuickRange(opt.value)"
+          >
+            {{ opt.label }}
+          </a-button>
+        </div>
+        <a-button type="primary" :disabled="!channelNo" :loading="txLoading" @click="loadTransactionDetail">查询</a-button>
+        <a-button @click="handleReset">重置</a-button>
+      </div>
+
+      <div class="action-links">
+        <span class="link-item" @click="openStatsModal"><BarChartOutlined /> 统计视图</span>
+        <span class="link-item" :class="{ disabled: !channelNo }" @click="handleDownloadReceipt">
+          <DownloadOutlined /> 回单({{ selectedTxKeys.length }})
+        </span>
+        <span class="link-item" :class="{ disabled: !channelNo }" @click="openStatementModal">
+          <DownloadOutlined /> 对账单
+        </span>
+        <span class="link-item" @click="handleExportDetail"><FileExcelOutlined /> 明细表</span>
+      </div>
 
       <a-table
         :columns="txColumns"
@@ -76,7 +127,7 @@
           </template>
         </template>
       </a-table>
-    </a-card>
+    </div>
 
     <WithdrawModal ref="withdrawModalRef" :channel-no="channelNo" @success="handleFundActionSuccess" />
     <MarginModal ref="marginModalRef" @success="handleFundActionSuccess" />
@@ -88,15 +139,25 @@
         </a-form-item>
       </a-form>
     </a-modal>
+
+    <a-modal v-model:open="statsModalOpen" title="统计视图" :footer="null" width="480px">
+      <p class="stats-hint">基于当前已查询到的交易明细(共 {{ txStats.total }} 条)统计</p>
+      <a-descriptions :column="1" bordered size="small">
+        <a-descriptions-item label="收入笔数/金额">{{ txStats.incomeCount }} 笔 / ¥{{ txStats.incomeAmount }}</a-descriptions-item>
+        <a-descriptions-item label="支出笔数/金额">{{ txStats.expenseCount }} 笔 / ¥{{ txStats.expenseAmount }}</a-descriptions-item>
+        <a-descriptions-item label="净额(收入-支出)">¥{{ txStats.net }}</a-descriptions-item>
+      </a-descriptions>
+    </a-modal>
   </div>
 </template>
 
 <script setup>
-import { ref, reactive, computed, onMounted } from 'vue'
+import { ref, reactive, computed, watch } 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 * as XLSX from 'xlsx'
+import { BarChartOutlined, DownloadOutlined, FileExcelOutlined } from '@ant-design/icons-vue'
 import WithdrawModal from '@/components/WithdrawModal.vue'
 import MarginModal from '@/components/MarginModal.vue'
 import { fetchWalletAccountDetailApi, fetchTransactionDetailApi, downloadReceiptApi, downloadStatementApi } from '@/api/wallet'
@@ -107,7 +168,10 @@ const route = useRoute()
 const router = useRouter()
 
 const accountName = route.query.accountName || ''
-const channelNo = ref(undefined)
+// 2026-08-10 起账户列表"查看"按钮已把该账户的渠道编号(record.channelNo)一并带过来,本页不再提供
+// "所属渠道"筛选/选择入口,完全依赖这里的路由 query 透传值。若列表记录本身没有渠道(如历史数据
+// 缺失),channelNo 会是 undefined,页面顶部会展示提示,用户需返回列表重新进入,本页无法补选。
+const channelNo = ref(route.query.channelNo || undefined)
 const withdrawModalRef = ref(null)
 const marginModalRef = ref(null)
 
@@ -122,6 +186,15 @@ const detail = reactive({
   a7Balance: ''
 })
 
+const quickRangeOptions = [
+  { value: 'today', label: '今天' },
+  { value: 'yesterday', label: '昨天' },
+  { value: 'last7Days', label: '近七天' },
+  { value: 'currentMonth', label: '当月' },
+  { value: 'lastMonth', label: '上月' }
+]
+
+const activeQuickRange = ref('today')
 const rangeValue = ref([dayjs().format('YYYY-MM-DD'), dayjs().format('YYYY-MM-DD')])
 const startDate = ref(`${dayjs().format('YYYY-MM-DD')} 00:00:00`)
 const endDate = ref(`${dayjs().format('YYYY-MM-DD')} 23:59:59`)
@@ -134,6 +207,8 @@ const statementModalOpen = ref(false)
 const statementDownloading = ref(false)
 const statementRangeValue = ref([dayjs().startOf('month').format('YYYY-MM-DD'), dayjs().format('YYYY-MM-DD')])
 
+const statsModalOpen = ref(false)
+
 const txColumns = [
   { title: '序号', dataIndex: 'index', width: 60 },
   { title: '系统流水号', dataIndex: 'id' },
@@ -152,8 +227,37 @@ const pagedTxList = computed(() => {
   return txList.value.slice(start, start + txPagination.pageSize)
 })
 
+// 统计视图:纯前端聚合当前已查询到的 txList,不依赖任何后端统计接口(现网无该接口)
+const txStats = computed(() => {
+  let incomeCount = 0
+  let incomeAmount = 0
+  let expenseCount = 0
+  let expenseAmount = 0
+  txList.value.forEach((item) => {
+    const amount = parseFloat(String(item.transAmount).replace(/,/g, '')) || 0
+    if (amount < 0) {
+      expenseCount += 1
+      expenseAmount += Math.abs(amount)
+    } else {
+      incomeCount += 1
+      incomeAmount += amount
+    }
+  })
+  return {
+    total: txList.value.length,
+    incomeCount,
+    incomeAmount: incomeAmount.toFixed(2),
+    expenseCount,
+    expenseAmount: expenseAmount.toFixed(2),
+    net: (incomeAmount - expenseAmount).toFixed(2)
+  }
+})
+
+// 2026-08-10 起 /api/wallet-account/detail 除 id 外还要求送渠道编号(channelNo),必须等 channelNo
+// 有值(来自路由 query)才能调用,故不在 onMounted 时无条件调用,改为监听 channelNo 变化触发
 async function loadDetail() {
-  const res = await fetchWalletAccountDetailApi({ id: route.query.id })
+  if (!channelNo.value) return
+  const res = await fetchWalletAccountDetailApi({ id: route.query.id, channelNo: channelNo.value })
   if (res.data.code === 200) {
     Object.assign(detail, res.data.data)
   }
@@ -168,7 +272,7 @@ function sortTxList(list) {
 
 async function loadTransactionDetail() {
   if (!channelNo.value || !detail.mainAccountNo) {
-    showErrorModal('请先选择所属渠道')
+    showErrorModal('当前账户缺少渠道信息,无法查询交易明细')
     return
   }
   txLoading.value = true
@@ -199,26 +303,49 @@ function handleRangeChange(values) {
   }
 }
 
+// 用户手动改动日期区间选择器时,清除快捷按钮的高亮态(与点击"今天/昨天/近七天/当月/上月"区分开)
+function onRangePickerChange(values) {
+  activeQuickRange.value = null
+  handleRangeChange(values)
+}
+
 function setQuickRange(type) {
   const today = dayjs()
   if (type === 'today') {
     rangeValue.value = [today.format('YYYY-MM-DD'), today.format('YYYY-MM-DD')]
+  } else if (type === 'yesterday') {
+    const yesterday = today.subtract(1, 'day')
+    rangeValue.value = [yesterday.format('YYYY-MM-DD'), yesterday.format('YYYY-MM-DD')]
+  } else if (type === 'last7Days') {
+    rangeValue.value = [today.subtract(6, 'day').format('YYYY-MM-DD'), today.format('YYYY-MM-DD')]
+  } else if (type === 'currentMonth') {
+    rangeValue.value = [today.startOf('month').format('YYYY-MM-DD'), today.format('YYYY-MM-DD')]
   } else if (type === 'lastMonth') {
     const lastMonth = today.subtract(1, 'month')
     rangeValue.value = [lastMonth.startOf('month').format('YYYY-MM-DD'), lastMonth.endOf('month').format('YYYY-MM-DD')]
-  } else if (type === 'last3Months') {
-    rangeValue.value = [today.subtract(3, 'month').format('YYYY-MM-DD'), today.format('YYYY-MM-DD')]
   }
+  activeQuickRange.value = type
   handleRangeChange(rangeValue.value)
   loadTransactionDetail()
 }
 
+// 重置:清空筛选条件回到默认("今天")及已选流水,不自动重新发起查询,需用户再次点击"查询"
+function handleReset() {
+  activeQuickRange.value = 'today'
+  const today = dayjs().format('YYYY-MM-DD')
+  rangeValue.value = [today, today]
+  startDate.value = `${today} 00:00:00`
+  endDate.value = `${today} 23:59:59`
+  selectedTxKeys.value = []
+}
+
 function handleTxTableChange(pag) {
   txPagination.current = pag.current
   txPagination.pageSize = pag.pageSize
 }
 
 async function handleDownloadReceipt() {
+  if (!channelNo.value) return
   const targets = selectedTxKeys.value.length ? txList.value.filter((item) => selectedTxKeys.value.includes(item.id)) : txList.value
   if (!targets.length) {
     showErrorModal('当前查询范围内无可下载的流水')
@@ -242,6 +369,11 @@ async function handleDownloadReceipt() {
   }
 }
 
+function openStatementModal() {
+  if (!channelNo.value) return
+  statementModalOpen.value = true
+}
+
 async function handleDownloadStatement() {
   if (!statementRangeValue.value || statementRangeValue.value.length !== 2) {
     showErrorModal('请选择时间范围')
@@ -267,6 +399,38 @@ async function handleDownloadStatement() {
   }
 }
 
+function openStatsModal() {
+  if (!txList.value.length) {
+    showErrorModal('请先查询交易明细')
+    return
+  }
+  statsModalOpen.value = true
+}
+
+// 明细表:纯前端把当前已查询到的 txList 导出为 xlsx,不依赖任何后端导出接口(现网无该接口)
+function handleExportDetail() {
+  if (!txList.value.length) {
+    showErrorModal('请先查询交易明细')
+    return
+  }
+  const rows = txList.value.map((item, index) => ({
+    序号: index + 1,
+    系统流水号: item.id,
+    记账日期: item.accountDate,
+    交易类型: item.transType,
+    对方户名: item.oppAccountName,
+    对方账号: item.oppAccountNo,
+    交易金额: item.transAmount,
+    账户余额: item.balance,
+    交易时间: item.tradeTime,
+    摘要: item.remark
+  }))
+  const worksheet = XLSX.utils.json_to_sheet(rows)
+  const workbook = XLSX.utils.book_new()
+  XLSX.utils.book_append_sheet(workbook, worksheet, '交易明细')
+  XLSX.writeFile(workbook, `交易明细表_${accountName}_${startDate.value.slice(0, 10)}_${endDate.value.slice(0, 10)}.xlsx`)
+}
+
 function openWithdraw() {
   withdrawModalRef.value.show({ accountNo: detail.mainAccountNo, accountName, maxAmount: detail.mainBalance })
 }
@@ -285,10 +449,141 @@ function goBack() {
   router.push('/wallet/account')
 }
 
-onMounted(loadDetail)
+// channelNo 完全来自路由 query,一进入页面就是确定值(不会再有用户手动触发 change 的场景),
+// 这里 immediate:true 是为了让页面打开时就自动发起一次 detail 请求
+watch(
+  channelNo,
+  (val) => {
+    if (val) loadDetail()
+  },
+  { immediate: true }
+)
 </script>
 
 <style scoped>
+.account-page-header {
+  padding: 0 0 16px;
+}
+.account-page-header :deep(.ant-page-header-heading-title) {
+  font-size: 22px;
+  font-weight: 600;
+}
+
+.account-cards {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 16px;
+  margin-bottom: 16px;
+}
+
+.account-card {
+  flex: 1 1 260px;
+  min-width: 260px;
+  padding: 16px 20px;
+  background: #fff;
+  border: 1px solid #f0f0f0;
+  border-radius: 8px;
+}
+
+.account-card__head {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  margin-bottom: 16px;
+}
+
+.account-card__tag {
+  margin: 0;
+}
+
+.account-card__no {
+  font-weight: 600;
+  color: #1f2329;
+}
+
+.account-card__body {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  flex-wrap: wrap;
+  gap: 8px;
+}
+
+.account-card__balance-label {
+  color: #8c8c8c;
+  margin-right: 8px;
+}
+
+.account-card__balance {
+  font-size: 20px;
+  font-weight: 700;
+  color: #1f2329;
+}
+
+.account-card__actions {
+  display: flex;
+  gap: 4px;
+}
+
+.transaction-panel {
+  padding: 20px;
+  background: #fff;
+  border-radius: 8px;
+}
+
+.filter-bar {
+  display: flex;
+  align-items: center;
+  flex-wrap: wrap;
+  gap: 12px;
+  margin-bottom: 16px;
+}
+
+.filter-bar__label {
+  color: #606266;
+  white-space: nowrap;
+}
+
+.quick-range-group {
+  display: flex;
+  gap: 8px;
+}
+
+.quick-range-btn.active {
+  color: #1677ff;
+  border-color: #1677ff;
+  background: #e6f4ff;
+}
+
+.action-links {
+  display: flex;
+  justify-content: flex-end;
+  gap: 24px;
+  margin-bottom: 12px;
+}
+
+.action-links .link-item {
+  display: inline-flex;
+  align-items: center;
+  gap: 4px;
+  color: #1677ff;
+  cursor: pointer;
+}
+
+.action-links .link-item:hover {
+  color: #4096ff;
+}
+
+.action-links .link-item.disabled {
+  color: #c0c4cc;
+  cursor: not-allowed;
+}
+
+.stats-hint {
+  color: #8c8c8c;
+  margin-bottom: 12px;
+}
+
 .amount-negative {
   color: #ff4d4f;
 }
diff --git a/src/views/wallet/account/AccountList.vue b/src/views/wallet/account/AccountList.vue
index 332edf7..1650e72 100644
--- a/src/views/wallet/account/AccountList.vue
+++ b/src/views/wallet/account/AccountList.vue
@@ -1,8 +1,12 @@
 <!-- src/views/wallet/account/AccountList.vue -->
-<!-- "所属机构"筛选按机构数据隔离设计要求补充。当前 WalletAccountVo/分页接口均不含
-     organizationId 字段(账户仅关联 customerId),后端需先建立"钱包账户 -> 客户 -> 所属机构"
-     的关联并在 /api/wallet-account/page 中支持该过滤参数,该筛选才能真正生效,已登记于
-     《缺失的后端接口.md》。 -->
+<!-- 2026-08-10 按最新原型截图(website_detail 商业平台账户列表页)+ 后端接口变更改造筛选区:
+     后端 /api/wallet-account/page 查询条件已改为 channelNo(渠道)/organizationId(所属机构),
+     并删除了 accountType(账户类型)查询参数(账户类型仍作为列表结果字段展示,只是不再支持按它
+     筛选)。"所属机构"沿用现有 OrgTreeSelect(内部已通过 /api/organization/list-all 换取机构ID
+     再送给后端,不是本次新增)。"客户类型"是本次后端新增的独立查询参数 customerType,
+     与"账户类型"(A1/A2/A3/A6/A7)是两个不同维度,取值为 PERSONAL(个人)/ENTERPRISE(企业)
+     (2026-08-10 后端已确认,与项目里"个人/企业"场景常见的 accountProperty('1'/'2')编码
+     不是同一套,不要混用),详见《缺失的后端接口.md》。 -->
 <template>
   <div class="wallet-account-list-page">
     <ProTable
@@ -11,20 +15,25 @@
       :fetch-data="loadList"
       row-selection="radio"
       v-model:selected-row-keys="selectedRowKeys"
-      :initial-search="{ accountName: '', accountNo: '', accountType: undefined, organizationId: getCurrentOrganizationId() }"
+      :initial-search="{
+        accountName: '',
+        customerType: undefined,
+        channelNo: undefined,
+        organizationId: getCurrentOrganizationId()
+      }"
     >
       <template #search="{ form }">
-        <a-form-item label="账户名称">
-          <a-input v-model:value="form.accountName" placeholder="请输入账户名称" allow-clear style="width: 180px" />
+        <a-form-item label="客户名称">
+          <a-input v-model:value="form.accountName" placeholder="请输入客户名称" allow-clear style="width: 180px" />
         </a-form-item>
-        <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-select v-model:value="form.accountType" placeholder="请选择账户类型" allow-clear style="width: 160px">
-            <a-select-option v-for="opt in accountTypeOptions" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
+        <a-form-item label="客户类型">
+          <a-select v-model:value="form.customerType" placeholder="请选择客户类型" allow-clear style="width: 160px">
+            <a-select-option v-for="opt in customerTypeOptions" :key="opt.value" :value="opt.value">{{ opt.label }}</a-select-option>
           </a-select>
         </a-form-item>
+        <a-form-item label="渠道">
+          <ChannelSelect v-model:model-value="form.channelNo" placeholder="请选择渠道" style="width: 200px" />
+        </a-form-item>
         <a-form-item label="所属机构">
           <OrgTreeSelect v-model="form.organizationId" placeholder="请选择所属机构" allow-clear style="width: 200px" />
         </a-form-item>
@@ -56,21 +65,24 @@
 
       <template #bodyCell="{ column, record, index }">
         <template v-if="column.dataIndex === 'index'">{{ index + 1 }}</template>
-        <template v-else-if="column.dataIndex === 'accountType'">
-          <StatusTag :value="record.accountType" :map="accountTypeMap" />
+        <template v-else-if="column.dataIndex === 'customerType'">
+          <StatusTag :value="record.customerType" :map="customerTypeMap" />
         </template>
-        <template v-else-if="column.dataIndex === 'accountRelation'">
-          <StatusTag :value="record.accountRelation" :map="accountRelationMap" />
+        <template v-else-if="column.dataIndex === 'mobilePhone'">
+          {{ maskMobile(record.mobilePhone) || '-' }}
+        </template>
+        <template v-else-if="column.dataIndex === 'certificateNumber'">
+          {{ maskIdCard(record.certificateNumber) || '-' }}
+        </template>
+        <template v-else-if="column.dataIndex === 'channelName'">
+          {{ record.channelName || '-' }}
+        </template>
+        <template v-else-if="column.dataIndex === 'organizationName'">
+          {{ record.organizationName || '-' }}
         </template>
         <template v-else-if="column.dataIndex === 'accountStatus'">
           <StatusTag :value="record.accountStatus" :map="accountStatusMap" />
         </template>
-        <template v-else-if="column.dataIndex === 'mainBalance'">
-          {{ record.accountRelation === '0' ? balanceMap[record.accountNo]?.mainBalance ?? '--' : '' }}
-        </template>
-        <template v-else-if="column.dataIndex === 'a6Balance'">
-          {{ record.accountRelation === '0' ? balanceMap[record.accountNo]?.a6Balance ?? '--' : '' }}
-        </template>
         <template v-else-if="column.dataIndex === 'action'">
           <a @click="goDetail(record)">查看</a>
         </template>
@@ -105,9 +117,9 @@ import ProTable from '@/components/ProTable.vue'
 import StatusTag from '@/components/StatusTag.vue'
 import BindCardModal from '@/components/BindCardModal.vue'
 import OrgTreeSelect from '@/components/OrgTreeSelect.vue'
+import ChannelSelect from '@/components/ChannelSelect.vue'
 import {
   fetchWalletAccountPageApi,
-  fetchWalletAccountDetailApi,
   closeWalletAccountApi,
   openWalletSubAccountApi,
   updateWalletAccountApi,
@@ -115,12 +127,12 @@ import {
   syncWalletAccountBalanceApi
 } from '@/api/wallet'
 import { getCurrentOrganizationId } from '@/utils/orgScope'
+import { maskMobile, maskIdCard } from '@/utils/mask'
 
 const router = useRouter()
 const tableRef = ref(null)
 const bindCardModalRef = ref(null)
 const selectedRowKeys = ref([])
-const balanceMap = reactive({})
 const syncing = ref(false)
 const updateModalOpen = ref(false)
 const mobileModalOpen = ref(false)
@@ -129,21 +141,17 @@ const changingMobile = ref(false)
 const updateForm = reactive({ mobile: '', bankCardNumber: '', bankNo: '', bankName: '' })
 const mobileForm = reactive({ newMobile: '' })
 
-const accountTypeOptions = [
-  { value: 'A1', label: '主账户' },
-  { value: 'A2', label: '电商A2账户' },
-  { value: 'A3', label: '电商A3账户' },
-  { value: 'A6', label: '保证金账户' },
-  { value: 'A7', label: '分户账户' }
+// 客户类型筛选项/展示映射:后端新增的 customerType 查询参数,取值为 PERSONAL(个人)/ENTERPRISE(企业)
+// (2026-08-10 后端已确认,与 accountProperty('1'/'2')是两套不同的编码,不要混用),详见
+// 《缺失的后端接口.md》
+const customerTypeOptions = [
+  { value: 'PERSONAL', label: '个人' },
+  { value: 'ENTERPRISE', label: '企业' }
 ]
-const accountTypeMap = {
-  A1: { text: '主账户', color: 'blue' },
-  A2: { text: '电商A2账户', color: 'cyan' },
-  A3: { text: '电商A3账户', color: 'purple' },
-  A6: { text: '保证金账户', color: 'orange' },
-  A7: { text: '分户账户', color: 'green' }
+const customerTypeMap = {
+  PERSONAL: { text: '个人', color: 'blue' },
+  ENTERPRISE: { text: '企业', color: 'purple' }
 }
-const accountRelationMap = { 0: { text: '主', color: 'blue' }, 1: { text: '从', color: 'default' } }
 const accountStatusMap = {
   NORMAL: { text: '正常', color: 'green' },
   FROZEN: { text: '冻结', color: 'orange' },
@@ -151,15 +159,20 @@ const accountStatusMap = {
   LOCKED: { text: '锁定', color: 'red' }
 }
 
+// 2026-08-10 按最新原型截图改造列表展示字段:客户类型/手机号/证件号/渠道/机构,不再展示
+// 账号/账户类型(A1~A7)/主从标识/余额(产品确认余额不需要在列表页展示,账户类型/主从标识
+// 只是不在列表展示,内部逻辑(如"开分户"仅允许 A1 主账户操作)仍使用 record.accountType/
+// record.accountRelation,不受影响)。手机号/证件号按项目统一的脱敏规则展示(见 utils/mask.js)。
 const columns = [
   { title: '序号', dataIndex: 'index', width: 60 },
+  { title: '客户类型', dataIndex: 'customerType', width: 90 },
   { title: '账户名称', dataIndex: 'accountName' },
-  { title: '账号', dataIndex: 'accountNo' },
-  { title: '账户类型', dataIndex: 'accountType' },
-  { title: '主/从标识', dataIndex: 'accountRelation', width: 90 },
+  { title: '手机号', dataIndex: 'mobilePhone', width: 130 },
+  { title: '证件号', dataIndex: 'certificateNumber', width: 160 },
   { title: '状态', dataIndex: 'accountStatus' },
-  { title: '活期余额', dataIndex: 'mainBalance' },
-  { title: '保证金余额', dataIndex: 'a6Balance' },
+  { title: '开户日期', dataIndex: 'openDate', width: 160 },
+  { title: '渠道', dataIndex: 'channelName' },
+  { title: '机构', dataIndex: 'organizationName' },
   { title: '操作', dataIndex: 'action', width: 80 }
 ]
 
@@ -169,26 +182,10 @@ const selectedRecord = computed(() =>
 const canOperate = computed(() => !!selectedRecord.value && selectedRecord.value.accountStatus !== 'CLOSED')
 const canOpenSubAccount = computed(() => canOperate.value && selectedRecord.value.accountType === 'A1')
 
-async function loadBalanceForRecord(record) {
-  try {
-    const res = await fetchWalletAccountDetailApi({ id: record.id })
-    if (res.data.code === 200) {
-      balanceMap[record.accountNo] = {
-        mainBalance: res.data.data.mainBalance,
-        a6Balance: res.data.data.a6Balance
-      }
-    }
-  } catch (e) {
-    balanceMap[record.accountNo] = { mainBalance: '--', a6Balance: '--' }
-  }
-}
-
 async function loadList(params) {
   const res = await fetchWalletAccountPageApi(params)
   if (res.data.code === 200) {
-    const records = res.data.data.records || []
-    records.filter((r) => r.accountRelation === '0').forEach((r) => loadBalanceForRecord(r))
-    return { list: records, total: res.data.data.total || 0 }
+    return { list: res.data.data.records || [], total: res.data.data.total || 0 }
   }
   return { list: [], total: 0 }
 }
@@ -223,7 +220,6 @@ async function handleSyncBalance() {
     const res = await syncWalletAccountBalanceApi({ id: selectedRecord.value.id })
     if (res.data.code === 200) {
       message.success('余额同步成功')
-      await loadBalanceForRecord(selectedRecord.value)
     }
   } finally {
     syncing.value = false
@@ -277,6 +273,9 @@ function openBindCard() {
 }
 
 function goDetail(record) {
-  router.push({ path: '/wallet/account/detail', query: { id: record.id, accountNo: record.accountNo, accountName: record.accountName } })
+  router.push({
+    path: '/wallet/account/detail',
+    query: { id: record.id, accountNo: record.accountNo, accountName: record.accountName, channelNo: record.channelNo }
+  })
 }
 </script>
diff --git a/缺失的后端接口.md b/缺失的后端接口.md
index 6110b6c..adb7746 100644
--- a/缺失的后端接口.md
+++ b/缺失的后端接口.md
@@ -1566,5 +1566,72 @@ INSERT INTO "SFT"."AUTH__ROLE_PERMISSION" ("ID", "ROLE_ID", "PERMISSION_ID") VAL
      参数可以覆盖这个行为,必须让后端加上真正的 `fileName`/`fileExt` 请求字段,或者让后端的
      存储逻辑去解析 `fileBase64` 前缀/内容魔数,前端单方面无法解决。
 
+## Part 20:个人开户 `create-draft` 新增字段 + 账户列表筛选区改造 —— 2026-08-09/08-10 补充
+
+124. **`personal-opening/create-draft` 请求体新增 `channelName`/`organizationId`/
+     `organizationName` 三个字段(2026-08-09 依据后端 `CreateDraftRequest` 源码截图确认,非前端
+     猜测)**:`channelName` 是所选渠道的名称(`channelNo` 对应的名称,`ChannelSelect.vue` 内部
+     已拿到,只是此前对外只暴露编号,已改造为额外通过 `update:channelName` 事件回传);
+     `organizationId`/`organizationName` 是所选客户的所属机构ID/机构名称(客户详情接口
+     `customer-info/personal/detail` 已带 `organizationId`,机构名称本地没有,前端复用
+     `/api/organization/list-all` 建 id→name 映射换取,与 `PersonalList.vue` 等既有做法一致,
+     未新增接口)。这三个字段均未在截图中标注 `@NotNull`,前端按选填处理(留空时不传)。
+     `PersonalOpenForm.vue` 的 `personal-opening/update`(编辑态)本身是前端假设契约(见 Part 11
+     第91条),本次一并把这三个字段带上,但**尚未拿到 `update` 接口是否真的接受/需要这三个字段
+     的确认**。
+125. **`/api/wallet-account/page`(账户列表)查询条件按最新原型截图 + 口头确认改造:新增
+     `channelNo`(渠道)/`organizationId`(所属机构),删除 `accountType`(账户类型)查询参数**
+     (2026-08-10 补充,当前仓库最新 swagger `swagger_project_scfs_2026-08-05_15-15-22.json` 仍是
+     旧契约 `{page,pageSize,accountName,accountNo,accountType}`,本次改动依据的是比这份 swagger
+     更新的口头确认,尚无对应新版 swagger 文件佐证,后端出正式文档后需重新核对字段名):
+     - `accountType` 作为查询参数已删除,但列表结果 `WalletAccountVo.accountType` 字段本身不受
+       影响,列表"账户类型"列展示不变。
+     - 新增 `organizationId`:前端沿用现有 `OrgTreeSelect.vue`(内部通过
+       `/api/organization/list-all` 取机构列表,选中后 value 即为机构 id),不是本次新增组件。
+     - 新增 `channelNo`:前端沿用现有 `ChannelSelect.vue`。
+     - 同时按最新原型截图把筛选区的"账户名称"改标签为"客户名称"(仍是同一个 `accountName`
+       字段,swagger 描述本就写的是"客户名称",此前前端标签文案有误)、去掉了"账号"
+       (`accountNo`)筛选框,并新增一个**后端新增的独立查询参数 `customerType`**(客户类型,与
+       `accountType` 是两个不同维度)。**取值已由后端确认为 `PERSONAL`(个人)/`ENTERPRISE`
+       (企业)**(2026-08-10),与项目里"个人/企业"场景常见的 `accountProperty`('1'/'2',见
+       `BindCardModal.vue`/`PersonalOpenForm.vue`)不是同一套编码,不要混用;与授信管理模块
+       贷款申请的 `customerType`(见第29条、Part 16)取值风格一致。
+     - 本次未新增"钱包编号"/"手机号"筛选项(产品确认暂不需要)。
+126. **`/api/wallet-account/page` 列表结果 `WalletAccountVo` 按最新原型截图同步新增展示字段
+     (2026-08-10 补充)**:列表页表格列已改为"客户类型/账户名称/手机号/证件号/状态/开户日期/
+     渠道/机构",不再展示"账号/账户类型(A1~A7)/主从标识/余额"(产品确认余额不需要在列表页
+     展示;账户类型/主从标识只是不展示,`record.accountType`/`record.accountRelation` 内部逻辑
+     仍在用,如"开分户"仍要求 `accountType==='A1'`)。展示所需字段及后端确认情况:
+     - `customerType`(客户类型,`PERSONAL`/`ENTERPRISE`)、`certificateNumber`(证件号)、
+       `channelNo`/`channelName`(渠道编号/名称)、`mobilePhone`(手机号)——**已由后端确认字段名**。
+     - `organizationName`(机构名称)——**前端假设字段名**,沿用项目里 organizationId/
+       organizationName 配对出现的一贯命名习惯(如 `OrgTreeSelect.vue`/个人开户机构名称,详见
+       Part 20 第124条),未获后端逐字确认,若实际字段名不同需同步修改 `AccountList.vue` 里
+       `bodyCell` 对应的 `record.organizationName` 取值。
+     - `openDate`(开户日期)——`WalletAccountVo` 原有字段,非本次新增。
+     - 手机号/证件号按项目统一脱敏规则展示(`src/utils/mask.js` 的 `maskMobile`/`maskIdCard`),
+       不改变提交/展示以外场景的原始值。
+     - 当前仓库最新 swagger(`swagger_project_scfs_2026-08-05_15-15-22.json`)的
+       `WalletAccountVo` 尚不含上述任何新增字段,均依据本次口头确认改造,后端出正式文档后需
+       整体重新核对。
+127. **`POST /api/wallet-account/detail` 请求体新增必传 `channelNo`(渠道编号)字段
+     (2026-08-10 口头确认,仅明确针对"账户主页"页面场景,未确认是否对该接口的其它调用方
+     同样生效)**:`AccountDetail.vue`(账户主页,路由 `/wallet/account/detail`)页面本身已有
+     "所属渠道" `ChannelSelect`,已改为 `fetchWalletAccountDetailApi({ id, channelNo })`,并把
+     原来 `onMounted` 时无条件调用改成监听 `channelNo` 选中/切换后才调用(未选渠道前不发请求,
+     与页面其它按钮"必须先选渠道才可用"的既有约束一致)。**`src/views/payment/order-payment/
+     PaymentFormModal.vue`(订单支付弹窗选择付款钱包账户后)调用的同一个接口本次未同步修改**,
+     该弹窗当前没有渠道选择UI,继续只传 `{id}`——若后端实际是对整个 `/wallet-account/detail`
+     接口全局加了必传校验,这处调用会报错,需要后端确认该接口是否所有场景都要求
+      `channelNo`,如果是,前端需要在 `PaymentFormModal.vue` 补一个渠道选择入口(而不是凭空
+      编造一个值)。**2026-08-10 补充修复**:上一版改动只是"等用户手动选渠道后才调用",但账户
+      列表"查看"按钮跳转时**没有把该账户已知的渠道信息带过来**,导致进入详情页后 `channelNo`
+      为空、`detail` 接口一直不会被调用,表现上像是"点查看没反应"。已修复为:`AccountList.vue`
+      的 `goDetail` 把 `record.channelNo`(列表页本身已展示的"渠道"列)一并放进跳转路由的
+      query,`AccountDetail.vue` 用它预填渠道选择器(`ref(route.query.channelNo || undefined)`),
+      并把原来的 `watch(channelNo, cb)` 加上 `{ immediate: true }`,让"路由带入初始值"这种非
+      用户手动触发变化的场景也能在页面打开时自动发起一次 `detail` 请求;若列表记录本身没有
+      渠道(历史数据缺失),仍保持 `undefined`,退化为原来的"需要用户手动选择"。
+