优化涉疑交易模型口径和报告展示

ccdi-project/src/main/java/com/ruoyi/ccdi/project/controller/CcdiProjectOverviewController.java

@@ -184,10 +184,10 @@ public class CcdiProjectOverviewController extends BaseController {
     }
 
     /**
-     * 一键导出结果总览报告
+     * 导出结果总览报告
      */
     @RequestMapping(value = "/report/export", method = { RequestMethod.GET, RequestMethod.POST })
-    @Operation(summary = "一键导出结果总览报告")
+    @Operation(summary = "导出结果总览报告")
     @PreAuthorize("@ss.hasPermi('ccdi:project:query')")
     public void exportOverviewReport(HttpServletResponse response, Long projectId) {
         overviewService.exportOverviewReport(response, projectId);

ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectSuspiciousTransactionItemVO.java

@@ -33,4 +33,6 @@ public class CcdiProjectSuspiciousTransactionItemVO {
     private Boolean hasModelRuleHit;
 
     private Boolean hasNameListHit;
+
+    private String nameListHitType;
 }

ccdi-project/src/main/java/com/ruoyi/ccdi/project/service/impl/CcdiProjectOverviewReportPdfExporter.java

@@ -469,6 +469,7 @@ public class CcdiProjectOverviewReportPdfExporter {
         private static final float SUBSECTION_FONT_SIZE = 12F;
         private static final float LINE_HEIGHT = 12F;
         private static final float CELL_PADDING = 5F;
+        private static final float TABLE_AFTER_GAP = 32F;
 
         private final PDDocument document;
         private final PDType0Font font;
@@ -496,7 +497,7 @@ public class CcdiProjectOverviewReportPdfExporter {
         }
 
         void title(String text) throws IOException {
-            writeLine(text, TITLE_FONT_SIZE, new Color(18, 56, 93), 0F, 28F);
+            writeLine(text, TITLE_FONT_SIZE, new Color(18, 56, 93), 0F, 28F, true);
         }
 
         void text(String text, float fontSize, Color color) throws IOException {
@@ -505,12 +506,12 @@ public class CcdiProjectOverviewReportPdfExporter {
 
         void section(String text) throws IOException {
             ensureSpace(32F);
-            writeLine(text, SECTION_FONT_SIZE, new Color(18, 56, 93), 0F, 26F);
+            writeLine(text, SECTION_FONT_SIZE, new Color(18, 56, 93), 0F, 26F, true);
         }
 
         void subsection(String text) throws IOException {
             ensureSpace(26F);
-            writeLine(text, SUBSECTION_FONT_SIZE, new Color(51, 65, 85), 0F, 22F);
+            writeLine(text, SUBSECTION_FONT_SIZE, new Color(51, 65, 85), 0F, 22F, true);
         }
 
         void separator() throws IOException {
@@ -557,7 +558,7 @@ public class CcdiProjectOverviewReportPdfExporter {
             for (List<String> row : safeRows) {
                 drawRow(row, widths, false);
             }
-            y -= 8F;
+            y -= TABLE_AFTER_GAP;
         }
 
         private float[] calculateWidths(float[] ratios) {
@@ -632,6 +633,17 @@ public class CcdiProjectOverviewReportPdfExporter {
         }
 
         private void writeLine(String text, float fontSize, Color color, float indent, float advance) throws IOException {
+            writeLine(text, fontSize, color, indent, advance, false);
+        }
+
+        private void writeLine(
+            String text,
+            float fontSize,
+            Color color,
+            float indent,
+            float advance,
+            boolean bold
+        ) throws IOException {
             ensureSpace(advance);
             content.beginText();
             content.setNonStrokingColor(color);
@@ -639,6 +651,14 @@ public class CcdiProjectOverviewReportPdfExporter {
             content.newLineAtOffset(MARGIN + indent, y);
             content.showText(text);
             content.endText();
+            if (bold) {
+                content.beginText();
+                content.setNonStrokingColor(color);
+                content.setFont(font, fontSize);
+                content.newLineAtOffset(MARGIN + indent + 0.25F, y);
+                content.showText(text);
+                content.endText();
+            }
             y -= advance;
         }
 

ccdi-project/src/main/resources/mapper/ccdi/project/CcdiBankTagAnalysisMapper.xml

@@ -105,6 +105,7 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
 
     <sql id="salaryExclusionPredicate">
         not (
+            (
                 bs.CUSTOMER_ACCOUNT_NAME = '浙江兰溪农村商业银行股份有限公司'
                 and (
                     IFNULL(bs.USER_MEMO, '') LIKE '%代发%'
@@ -133,6 +134,38 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
                     or IFNULL(bs.CASH_TYPE, '') LIKE '%劳务费%'
                 )
             )
+            or (
+                IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') LIKE '%公积金中心%'
+                and (
+                    IFNULL(bs.USER_MEMO, '') LIKE '%公积金%'
+                    or IFNULL(bs.USER_MEMO, '') LIKE '%批量代付%'
+                    or IFNULL(bs.CASH_TYPE, '') LIKE '%公积金%'
+                    or IFNULL(bs.CASH_TYPE, '') LIKE '%批量代付%'
+                )
+            )
+        )
+    </sql>
+
+    <sql id="abnormalCustomerTransactionSubjectSql">
+        select
+            staff.id_card as subjectCertNo,
+            staff.name as subjectName,
+            '本人' as subjectType
+        from ccdi_base_staff staff
+
+        union all
+
+        select
+            relation.relation_cert_no as subjectCertNo,
+            relation.relation_name as subjectName,
+            case
+                when relation.relation_type is not null and trim(relation.relation_type) != '' then relation.relation_type
+                else '关系人'
+            end as subjectType
+        from ccdi_staff_fmy_relation relation
+        where relation.status = 1
+          and relation.relation_cert_no is not null
+          and trim(relation.relation_cert_no) != ''
     </sql>
 
     <sql id="salaryIncomePredicate">
@@ -391,13 +424,131 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
     </select>
 
     <select id="selectAbnormalCustomerTransactionStatements" resultMap="BankTagStatementHitResultMap">
+        select
+            hit.bankStatementId AS bankStatementId,
+            max(hit.groupId) AS groupId,
+            max(hit.logId) AS logId,
+            substring_index(
+                min(concat(lpad(hit.matchPriority, 2, '0'), '|', hit.reasonDetail)),
+                '|',
+                -1
+            ) AS reasonDetail
+        from (
             select
                 bs.bank_statement_id AS bankStatementId,
                 bs.group_id AS groupId,
                 bs.batch_id AS logId,
-            '占位SQL，待补充真实规则' AS reasonDetail
+                1 AS matchPriority,
+                CONCAT(
+                    subject.subjectType, '“', IFNULL(subject.subjectName, ''), '”与信贷客户账号发生交易，',
+                    '金额 ', CAST(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) AS CHAR),
+                    ' 元，对手方“', IFNULL(bs.CUSTOMER_ACCOUNT_NAME, ''), '”'
+                ) AS reasonDetail
             from ccdi_bank_statement bs
-        where 1 = 0
+            inner join (
+                <include refid="abnormalCustomerTransactionSubjectSql"/>
+            ) subject on subject.subjectCertNo = bs.cret_no
+            inner join ccdi_account_info account
+                on trim(IFNULL(bs.customer_account_no, '')) != ''
+               and account.owner_type = 'CREDIT_CUSTOMER'
+               and account.account_no = bs.customer_account_no
+            where bs.project_id = #{projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
+
+            union all
+
+            select
+                bs.bank_statement_id AS bankStatementId,
+                bs.group_id AS groupId,
+                bs.batch_id AS logId,
+                2 AS matchPriority,
+                CONCAT(
+                    subject.subjectType, '“', IFNULL(subject.subjectName, ''), '”与中介账号发生交易，',
+                    '金额 ', CAST(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) AS CHAR),
+                    ' 元，对手方“', IFNULL(bs.CUSTOMER_ACCOUNT_NAME, ''), '”'
+                ) AS reasonDetail
+            from ccdi_bank_statement bs
+            inner join (
+                <include refid="abnormalCustomerTransactionSubjectSql"/>
+            ) subject on subject.subjectCertNo = bs.cret_no
+            inner join ccdi_account_info account
+                on trim(IFNULL(bs.customer_account_no, '')) != ''
+               and account.owner_type = 'INTERMEDIARY'
+               and account.account_no = bs.customer_account_no
+            where bs.project_id = #{projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
+
+            union all
+
+            select
+                bs.bank_statement_id AS bankStatementId,
+                bs.group_id AS groupId,
+                bs.batch_id AS logId,
+                3 AS matchPriority,
+                CONCAT(
+                    subject.subjectType, '“', IFNULL(subject.subjectName, ''), '”与中介关联企业发生交易，',
+                    '金额 ', CAST(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) AS CHAR),
+                    ' 元，对手方“', IFNULL(bs.CUSTOMER_ACCOUNT_NAME, ''), '”'
+                ) AS reasonDetail
+            from ccdi_bank_statement bs
+            inner join (
+                <include refid="abnormalCustomerTransactionSubjectSql"/>
+            ) subject on subject.subjectCertNo = bs.cret_no
+            inner join ccdi_enterprise_base_info enterprise
+                on trim(IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '')) != ''
+               and enterprise.enterprise_name = bs.CUSTOMER_ACCOUNT_NAME
+               and enterprise.ent_source = 'INTERMEDIARY'
+            where bs.project_id = #{projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
+
+            union all
+
+            select
+                bs.bank_statement_id AS bankStatementId,
+                bs.group_id AS groupId,
+                bs.batch_id AS logId,
+                4 AS matchPriority,
+                CONCAT(
+                    subject.subjectType, '“', IFNULL(subject.subjectName, ''), '”与中介库人员发生微信/支付宝交易，',
+                    '金额 ', CAST(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) AS CHAR),
+                    ' 元，对手方“', IFNULL(bs.CUSTOMER_ACCOUNT_NAME, ''), '”'
+                ) AS reasonDetail
+            from ccdi_bank_statement bs
+            inner join (
+                <include refid="abnormalCustomerTransactionSubjectSql"/>
+            ) subject on subject.subjectCertNo = bs.cret_no
+            inner join ccdi_biz_intermediary intermediary
+                on trim(IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '')) != ''
+               and trim(IFNULL(intermediary.name, '')) != ''
+               and bs.CUSTOMER_ACCOUNT_NAME like concat('%', intermediary.name, '%')
+            where bs.project_id = #{projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
+              and bs.bank in ('ALIPAY', 'WECHAT')
+
+            union all
+
+            select
+                bs.bank_statement_id AS bankStatementId,
+                bs.group_id AS groupId,
+                bs.batch_id AS logId,
+                5 AS matchPriority,
+                CONCAT(
+                    subject.subjectType, '“', IFNULL(subject.subjectName, ''), '”与中介库人员发生名称精确匹配交易，',
+                    '金额 ', CAST(GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) AS CHAR),
+                    ' 元，对手方“', IFNULL(bs.CUSTOMER_ACCOUNT_NAME, ''), '”'
+                ) AS reasonDetail
+            from ccdi_bank_statement bs
+            inner join (
+                <include refid="abnormalCustomerTransactionSubjectSql"/>
+            ) subject on subject.subjectCertNo = bs.cret_no
+            inner join ccdi_biz_intermediary intermediary
+                on trim(IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '')) != ''
+               and intermediary.name = bs.CUSTOMER_ACCOUNT_NAME
+            where bs.project_id = #{projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
+
+        ) hit
+        group by hit.bankStatementId
     </select>
 
     <select id="selectLowIncomeRelativeLargeTransactionObjects" resultMap="BankTagObjectHitResultMap">
@@ -416,9 +567,9 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             from ccdi_staff_fmy_relation relation
             inner join ccdi_bank_statement bs on relation.relation_cert_no = bs.cret_no
             where relation.status = 1
+              and relation.annual_income is not null
               and (
-                  relation.annual_income is null
+                  relation.annual_income = 0
-                  or relation.annual_income = 0
                   or relation.annual_income / 12 &lt; 3000
               )
               and bs.project_id = #{projectId}
@@ -658,6 +809,15 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
         where bs.project_id = #{projectId}
           and IFNULL(bs.AMOUNT_CR, 0) > 0
           and IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') &lt;&gt; '浙江兰溪农村商业银行股份有限公司'
+          and not (
+              IFNULL(bs.CUSTOMER_ACCOUNT_NAME, '') LIKE '%公积金中心%'
+              and (
+                  IFNULL(bs.USER_MEMO, '') LIKE '%公积金%'
+                  or IFNULL(bs.USER_MEMO, '') LIKE '%批量代付%'
+                  or IFNULL(bs.CASH_TYPE, '') LIKE '%公积金%'
+                  or IFNULL(bs.CASH_TYPE, '') LIKE '%批量代付%'
+              )
+          )
           and (
               IFNULL(bs.USER_MEMO, '') REGEXP '代发|工资|分红|红利|奖金|薪酬|薪金|补贴|薪|年终奖|年金|加班费|劳务费|劳务外包|提成|劳务派遣|绩效|酬劳|批量代付|PAYROLL|SALA|CPF|directors.*fees'
               or IFNULL(bs.CASH_TYPE, '') REGEXP '代发|工资|劳务费'

ccdi-project/src/main/resources/mapper/ccdi/project/CcdiProjectOverviewMapper.xml

@@ -46,6 +46,7 @@
         <result property="displayAmount" column="displayAmount"/>
         <result property="hasModelRuleHit" column="hasModelRuleHit"/>
         <result property="hasNameListHit" column="hasNameListHit"/>
+        <result property="nameListHitType" column="nameListHitType"/>
     </resultMap>
 
     <resultMap id="AbnormalAccountItemResultMap" type="com.ruoyi.ccdi.project.domain.vo.CcdiProjectAbnormalAccountItemVO">
@@ -530,57 +531,74 @@
         from ccdi_bank_statement_tag_result tr
         where tr.project_id = #{query.projectId}
           and tr.bank_statement_id is not null
-          and tr.rule_name like '%可疑%'
+          and (
+              tr.rule_name like '%可疑%'
+              or tr.rule_code = 'ABNORMAL_CUSTOMER_TRANSACTION'
+          )
     </sql>
 
     <sql id="suspiciousTransactionNameHitSql">
         select
             hits.bankStatementId,
             hits.suspiciousPersonName,
-            hits.matchPriority
+            hits.matchPriority,
+            hits.nameListHitType
         from (
             select
                 bs.bank_statement_id as bankStatementId,
-                intermediary.name as suspiciousPersonName,
+                coalesce(credit_customer.name, account.account_name, '信贷客户账号') as suspiciousPersonName,
-                1 as matchPriority
+                1 as matchPriority,
+                '信贷客户' as nameListHitType
             from ccdi_bank_statement bs
-            inner join ccdi_biz_intermediary intermediary
+            inner join ccdi_account_info account
-                on trim(bs.customer_cert_no) != ''
+                on trim(bs.customer_account_no) != ''
-               and intermediary.person_id = bs.customer_cert_no
+               and account.owner_type = 'CREDIT_CUSTOMER'
+               and account.account_no = bs.customer_account_no
+            left join ccdi_credit_customer_base credit_customer
+                on credit_customer.person_id = account.owner_id
             where bs.project_id = #{query.projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
 
             union all
 
             select
                 bs.bank_statement_id as bankStatementId,
-                enterprise.enterprise_name as suspiciousPersonName,
+                coalesce(intermediary.name, enterprise.enterprise_name, account.account_name, '中介账号') as suspiciousPersonName,
-                2 as matchPriority
+                2 as matchPriority,
+                '中介' as nameListHitType
             from ccdi_bank_statement bs
-            inner join ccdi_enterprise_base_info enterprise
+            inner join ccdi_account_info account
-                on trim(bs.customer_social_credit_code) != ''
+                on trim(bs.customer_account_no) != ''
-               and enterprise.social_credit_code = bs.customer_social_credit_code
+               and account.owner_type = 'INTERMEDIARY'
-               and enterprise.risk_level = '1'
+               and account.account_no = bs.customer_account_no
-               and enterprise.ent_source = 'INTERMEDIARY'
+            left join ccdi_biz_intermediary intermediary
+                on intermediary.person_id = account.owner_id
+            left join ccdi_enterprise_base_info enterprise
+                on enterprise.social_credit_code = account.owner_id
             where bs.project_id = #{query.projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
 
             union all
 
             select
                 bs.bank_statement_id as bankStatementId,
                 intermediary.name as suspiciousPersonName,
-                3 as matchPriority
+                3 as matchPriority,
+                '中介' as nameListHitType
             from ccdi_bank_statement bs
             inner join ccdi_biz_intermediary intermediary
                 on trim(bs.CUSTOMER_ACCOUNT_NAME) != ''
                and intermediary.name = bs.CUSTOMER_ACCOUNT_NAME
             where bs.project_id = #{query.projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
 
             union all
 
             select
                 bs.bank_statement_id as bankStatementId,
                 enterprise.enterprise_name as suspiciousPersonName,
-                3 as matchPriority
+                4 as matchPriority,
+                '中介' as nameListHitType
             from ccdi_bank_statement bs
             inner join ccdi_enterprise_base_info enterprise
                 on trim(bs.CUSTOMER_ACCOUNT_NAME) != ''
@@ -588,6 +606,7 @@
                and enterprise.risk_level = '1'
                and enterprise.ent_source = 'INTERMEDIARY'
             where bs.project_id = #{query.projectId}
+              and GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000
         ) hits
     </sql>
 
@@ -605,7 +624,8 @@
             1 as hasModelRuleHit,
             0 as hasNameListHit,
             null as suspiciousPersonName,
-            null as matchPriority
+            null as matchPriority,
+            null as nameListHitType
         from (
             <include refid="suspiciousTransactionBaseSql"/>
         ) base
@@ -628,7 +648,8 @@
             0 as hasModelRuleHit,
             1 as hasNameListHit,
             name_hits.suspiciousPersonName,
-            name_hits.matchPriority
+            name_hits.matchPriority,
+            name_hits.nameListHitType
         from (
             <include refid="suspiciousTransactionBaseSql"/>
         ) base
@@ -663,7 +684,18 @@
             max(merged.cashType) as cashType,
             max(merged.displayAmount) as displayAmount,
             max(merged.hasModelRuleHit) as hasModelRuleHit,
-            max(merged.hasNameListHit) as hasNameListHit
+            max(merged.hasNameListHit) as hasNameListHit,
+            substring_index(
+                min(
+                    case
+                        when merged.nameListHitType is not null and merged.nameListHitType != ''
+                            then concat(lpad(merged.matchPriority, 2, '0'), '|', merged.nameListHitType)
+                        else null
+                    end
+                ),
+                '|',
+                -1
+            ) as nameListHitType
         from (
             <include refid="suspiciousTransactionMergedSql"/>
         ) merged
@@ -701,7 +733,8 @@
             final_result.cashType,
             final_result.displayAmount,
             final_result.hasModelRuleHit,
-            final_result.hasNameListHit
+            final_result.hasNameListHit,
+            final_result.nameListHitType
         from (
             <include refid="suspiciousTransactionAggregatedSql"/>
         ) final_result
@@ -722,7 +755,8 @@
             final_result.cashType,
             final_result.displayAmount,
             final_result.hasModelRuleHit,
-            final_result.hasNameListHit
+            final_result.hasNameListHit,
+            final_result.nameListHitType
         from (
             <include refid="suspiciousTransactionAggregatedSql"/>
         ) final_result
@@ -742,7 +776,21 @@
             final_result.relatedStaffCode,
             final_result.userMemo,
             final_result.cashType,
-            tag_result.hitTags,
+            case
+                when final_result.nameListHitType = '中介' then
+                    replace(
+                        replace(ifnull(tag_result.hitTags, ''), '与客户之间非正常资金往来', '疑似与中介往来'),
+                        '异常交易',
+                        '疑似与中介往来'
+                    )
+                when final_result.nameListHitType = '信贷客户' then
+                    replace(
+                        replace(ifnull(tag_result.hitTags, ''), '与客户之间非正常资金往来', '与信贷客户之间非正常资金往来'),
+                        '异常交易',
+                        '与信贷客户之间非正常资金往来'
+                    )
+                else tag_result.hitTags
+            end as hitTags,
             final_result.displayAmount
         from (
             <include refid="suspiciousTransactionAggregatedSql"/>

ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiBankTagAnalysisMapperXmlTest.java

@@ -100,7 +100,7 @@ class CcdiBankTagAnalysisMapperXmlTest {
     void placeholderRules_shouldUseEmptyResultSqlTemplate() throws Exception {
         String xml = readXml(RESOURCE);
         assertTrue(xml.contains("占位SQL，待补充真实规则"));
-        assertEquals(6, countMatches(xml, "where 1 = 0"));
+        assertEquals(5, countMatches(xml, "where 1 = 0"));
     }
 
     @Test
@@ -116,6 +116,31 @@ class CcdiBankTagAnalysisMapperXmlTest {
         }
     }
 
+    @Test
+    void lowIncomeRelativeRule_shouldIgnoreNullAnnualIncome() throws Exception {
+        String xml = readXml(RESOURCE);
+        String selectSql = extractSelectSql(xml, "selectLowIncomeRelativeLargeTransactionObjects");
+        assertTrue(selectSql.contains("relation.annual_income is not null"));
+        assertTrue(!selectSql.contains("relation.annual_income is null"));
+    }
+
+    @Test
+    void abnormalCustomerTransactionRule_shouldUseCreditCustomerAndIntermediaryAccountRules() throws Exception {
+        String xml = readXml(RESOURCE);
+        String selectSql = extractSelectSql(xml, "selectAbnormalCustomerTransactionStatements");
+
+        assertTrue(selectSql.contains("account.owner_type = 'CREDIT_CUSTOMER'"));
+        assertTrue(selectSql.contains("account.owner_type = 'INTERMEDIARY'"));
+        assertTrue(selectSql.contains("account.account_no = bs.customer_account_no"));
+        assertTrue(selectSql.contains("enterprise.ent_source = 'INTERMEDIARY'"));
+        assertTrue(selectSql.contains("intermediary.name = bs.CUSTOMER_ACCOUNT_NAME"));
+        assertTrue(selectSql.contains("bs.CUSTOMER_ACCOUNT_NAME like concat('%', intermediary.name, '%')"));
+        assertTrue(selectSql.contains("bs.bank in ('ALIPAY', 'WECHAT')"));
+        assertEquals(5, countMatches(selectSql, "GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000"));
+        assertTrue(!selectSql.contains("customer_cert_no"));
+        assertTrue(!selectSql.contains("social_credit_code = bs"));
+    }
+
     @Test
     void withdrawCntObjectRule_shouldUseRealSqlAndKeepObjectHitFields() throws Exception {
         String xml = readXml(RESOURCE);

ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiProjectOverviewMapperSqlTest.java

@@ -97,6 +97,37 @@ class CcdiProjectOverviewMapperSqlTest {
         assertTrue(suspiciousSql.contains("group by merged.bankStatementId"), suspiciousSql);
         assertTrue(suspiciousSql.contains("hasModelRuleHit"), suspiciousSql);
         assertTrue(suspiciousSql.contains("hasNameListHit"), suspiciousSql);
+        assertTrue(suspiciousSql.contains("final_result.nameListHitType"), suspiciousSql);
+
+        String reportSuspiciousSql = extractSelect(xml, "selectReportSuspiciousTransactionList");
+        assertTrue(reportSuspiciousSql.contains("final_result.nameListHitType = '中介'"), reportSuspiciousSql);
+        assertTrue(reportSuspiciousSql.contains("疑似与中介往来"), reportSuspiciousSql);
+        assertTrue(reportSuspiciousSql.contains("final_result.nameListHitType = '信贷客户'"), reportSuspiciousSql);
+        assertTrue(reportSuspiciousSql.contains("与信贷客户之间非正常资金往来"), reportSuspiciousSql);
+    }
+
+    @Test
+    void suspiciousTransactionNameListSql_shouldKeepCreditCustomerAndIntermediaryRulesScopedByAmount() throws Exception {
+        String xml = Files.readString(Path.of("src/main/resources/mapper/ccdi/project/CcdiProjectOverviewMapper.xml"));
+        String nameHitSql = extractSqlFragment(xml, "suspiciousTransactionNameHitSql");
+        String aggregatedSql = extractSqlFragment(xml, "suspiciousTransactionAggregatedSql");
+
+        assertTrue(nameHitSql.contains("account.owner_type = 'CREDIT_CUSTOMER'"), nameHitSql);
+        assertTrue(nameHitSql.contains("account.owner_type = 'INTERMEDIARY'"), nameHitSql);
+        assertTrue(nameHitSql.contains("account.account_no = bs.customer_account_no"), nameHitSql);
+        assertTrue(nameHitSql.contains("'信贷客户' as nameListHitType"), nameHitSql);
+        assertTrue(nameHitSql.contains("'中介' as nameListHitType"), nameHitSql);
+        assertTrue(nameHitSql.contains("intermediary.name = bs.CUSTOMER_ACCOUNT_NAME"), nameHitSql);
+        assertTrue(nameHitSql.contains("enterprise.ent_source = 'INTERMEDIARY'"), nameHitSql);
+        assertTrue(
+            nameHitSql.contains("GREATEST(IFNULL(bs.AMOUNT_DR, 0), IFNULL(bs.AMOUNT_CR, 0)) > 1000"),
+            nameHitSql
+        );
+        assertFalse(nameHitSql.contains("customer_cert_no"), nameHitSql);
+        assertFalse(nameHitSql.contains("social_credit_code = bs"), nameHitSql);
+        assertTrue(aggregatedSql.contains("group by merged.bankStatementId"), aggregatedSql);
+        assertTrue(aggregatedSql.contains("max(merged.hasModelRuleHit) as hasModelRuleHit"), aggregatedSql);
+        assertTrue(aggregatedSql.contains("max(merged.hasNameListHit) as hasNameListHit"), aggregatedSql);
     }
 
     @Test
@@ -159,4 +190,13 @@ class CcdiProjectOverviewMapperSqlTest {
         assertTrue(endIndex >= 0, "missing closing select tag: " + selectId);
         return xml.substring(startIndex, endIndex);
     }
+
+    private String extractSqlFragment(String xml, String sqlId) {
+        String start = "<sql id=\"" + sqlId + "\"";
+        int startIndex = xml.indexOf(start);
+        assertTrue(startIndex >= 0, "missing sql fragment: " + sqlId);
+        int endIndex = xml.indexOf("</sql>", startIndex);
+        assertTrue(endIndex >= 0, "missing closing sql tag: " + sqlId);
+        return xml.substring(startIndex, endIndex);
+    }
 }

ccdi-project/src/test/java/com/ruoyi/ccdi/project/service/impl/CcdiProjectOverviewReportPdfExporterTest.java

@@ -60,6 +60,17 @@ class CcdiProjectOverviewReportPdfExporterTest {
         assertTrue(exception.getMessage().contains(missingPath));
     }
 
+    @Test
+    void tableGap_shouldLeaveEnoughSpaceForNextSectionTitle() throws Exception {
+        Class<?> writerClass = Class.forName(
+            "com.ruoyi.ccdi.project.service.impl.CcdiProjectOverviewReportPdfExporter$PdfPageWriter"
+        );
+        float tableAfterGap = readPrivateFloat(writerClass, "TABLE_AFTER_GAP");
+        float sectionFontSize = readPrivateFloat(writerClass, "SECTION_FONT_SIZE");
+
+        assertTrue(tableAfterGap > sectionFontSize);
+    }
+
     private String resolveTestFontPath() {
         List<String> candidates = List.of(
             "/System/Library/Fonts/STHeiti Medium.ttc",
@@ -91,6 +102,12 @@ class CcdiProjectOverviewReportPdfExporterTest {
         return report;
     }
 
+    private float readPrivateFloat(Class<?> clazz, String fieldName) throws Exception {
+        java.lang.reflect.Field field = clazz.getDeclaredField(fieldName);
+        field.setAccessible(true);
+        return field.getFloat(null);
+    }
+
     private CcdiProjectOverviewDashboardVO buildDashboard() {
         CcdiProjectOverviewDashboardVO dashboard = new CcdiProjectOverviewDashboardVO();
         dashboard.setStats(List.of(

docs/reports/implementation/2026-05-21-abnormal-customer-transaction-implementation.md

@@ -0,0 +1,65 @@
+# 与客户之间非正常资金往来实施记录
+
+## 本次修改
+
+- 调整 `ABNORMAL_CUSTOMER_TRANSACTION` 模型执行 SQL。
+- 调整“涉疑交易明细 -> 名单库命中” SQL。
+- 调整涉疑交易明细前端标签展示。
+- 补充 SQL 口径测试，不改表结构。
+
+## 模型 SQL 口径
+
+- 位置：`ccdi-project/src/main/resources/mapper/ccdi/project/CcdiBankTagAnalysisMapper.xml`
+- 主体范围：员工本人、`ccdi_staff_fmy_relation.status = 1` 的有效亲属。
+- 金额口径：`GREATEST(IFNULL(amount_dr, 0), IFNULL(amount_cr, 0)) > 1000`。
+- 信贷客户命中：对手方账号命中 `ccdi_account_info.owner_type = 'CREDIT_CUSTOMER'`。
+- 中介账号命中：对手方账号命中 `ccdi_account_info.owner_type = 'INTERMEDIARY'`。
+- 中介企业命中：对手方名称精确命中 `ccdi_enterprise_base_info.enterprise_name`，且企业来源为中介。
+- 中介人员精确命中：对手方名称精确命中 `ccdi_biz_intermediary.name`。
+- 中介人员模糊命中：对手方名称包含 `ccdi_biz_intermediary.name`，仅限 `bank in ('ALIPAY', 'WECHAT')`。
+- 明确不再使用对手方证件号、对手方统一社会信用代码命中。
+
+## 名单库命中口径
+
+- 位置：`ccdi-project/src/main/resources/mapper/ccdi/project/CcdiProjectOverviewMapper.xml`
+- 信贷客户账号命中时，`nameListHitType` 返回“信贷客户”。
+- 中介账号、人员名称、企业名称命中时，`nameListHitType` 返回“中介”。
+- 名单库命中同样要求交易金额大于 1000。
+- 涉疑交易明细和 PDF 导出按 `bank_statement_id` 聚合，避免同一流水因“模型规则命中”和“名单库命中”重复展示。
+
+## 前端展示
+
+- 位置：`ruoyi-ui/src/views/ccdiProject/components/detail/RiskDetailSection.vue`
+- `ABNORMAL_CUSTOMER_TRANSACTION` 在异常标签中优先展示。
+- 如果同一流水名单库类型为“中介”，该标签展示为“疑似与中介往来”。
+- 如果同一流水名单库类型为“信贷客户”，该标签展示为“与信贷客户之间非正常资金往来”。
+- 如果没有名单库类型，兜底展示为“与客户之间非正常资金往来”。
+- 不再把“中介/信贷客户”追加成额外异常标签，避免重复展示。
+
+## 报告展示
+
+- 结果总览 PDF 报告中的涉疑交易明细表同步使用上述标签展示口径。
+- 同一条流水只替换 `ABNORMAL_CUSTOMER_TRANSACTION` 的展示文案，不额外追加“中介/信贷客户”标签。
+
+## 影响文件
+
+- `ccdi-project/src/main/resources/mapper/ccdi/project/CcdiBankTagAnalysisMapper.xml`
+- `ccdi-project/src/main/resources/mapper/ccdi/project/CcdiProjectOverviewMapper.xml`
+- `ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectSuspiciousTransactionItemVO.java`
+- `ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiBankTagAnalysisMapperXmlTest.java`
+- `ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiProjectOverviewMapperSqlTest.java`
+- `ruoyi-ui/src/views/ccdiProject/components/detail/RiskDetailSection.vue`
+- `docs/reports/implementation/2026-05-21-abnormal-customer-transaction-implementation.md`
+
+## 验证情况
+
+- `mvn -pl ccdi-project -am -DskipTests compile` 通过。
+- `mvn -pl ccdi-project "-Dtest=CcdiBankTagAnalysisMapperXmlTest,CcdiProjectOverviewMapperSqlTest" test` 通过，21 个测试。
+- 测试覆盖的伪造场景口径：
+  - 信贷客户账号命中。
+  - 中介账号命中。
+  - 中介人员名称精确命中。
+  - 中介人员名称模糊命中仅限 `ALIPAY/WECHAT`。
+  - 名单库命中金额门槛大于 1000。
+  - 涉疑交易明细按 `bank_statement_id` 聚合去重。
+  - 涉疑交易明细和 PDF 报告按名单库类型细分展示异常标签，且不重复展示。

docs/reports/implementation/2026-05-25-low-income-relative-null-income-implementation.md

@@ -0,0 +1,17 @@
+# 低收入亲属大额交易空收入口径调整实施记录
+
+## 修改内容
+
+- 调整 `LOW_INCOME_RELATIVE_LARGE_TRANSACTION` 规则 SQL。
+- 关系人 `annual_income is null` 时不再进入低收入候选，不触发该规则。
+- 仅当 `annual_income` 明确有值，且满足 `annual_income = 0` 或 `annual_income / 12 < 3000` 时，才进入低收入候选。
+
+## 影响范围
+
+- 后端银行流水打标规则：低收入亲属大额交易。
+- 不涉及前端展示、接口入参、数据库表结构。
+
+## 验证
+
+- `mvn -pl ccdi-project -am -DskipTests compile` 通过。
+- `mvn -pl ccdi-project "-Dtest=CcdiBankTagAnalysisMapperXmlTest,CcdiBankTagServiceImplTest,CcdiBankTagRuleSqlMetadataTest,BankTagRuleConfigResolverTest" test` 通过，共 43 个测试。

docs/reports/implementation/2026-05-26-dev-ui-submit-checklist.md

@@ -0,0 +1,63 @@
+# dev-ui 本次提交清单
+
+## 提交信息
+
+- 分支：`dev-ui`
+- 提交说明：`优化涉疑交易模型口径和报告展示`
+
+## 功能清单
+
+1. 涉疑交易模型口径调整
+
+- `ABNORMAL_CUSTOMER_TRANSACTION` 补充信贷客户账号命中。
+- `ABNORMAL_CUSTOMER_TRANSACTION` 补充中介账号命中、中介名称精确命中、中介人员微信/支付宝流水名称模糊命中。
+- 名单库命中保留中介和信贷客户两类。
+- 金额门槛统一按单边流水金额大于 1000 元判断。
+- 低收入亲属大额交易排除年收入为空的亲属；年收入为空不主动预警。
+- 大额单笔收入、疑似兼职相关收入预警排除公积金中心收入。
+
+2. 涉疑交易明细展示与导出
+
+- 涉疑交易明细保留“名单库命中”和“模型规则命中”筛选。
+- 同一条流水同时命中名单库和模型规则时，按 `bank_statement_id` 聚合去重，不重复展示。
+- 名单库命中类型区分为“中介”和“信贷客户”。
+- 前端异常标签按名单类型展示：
+  - 中介：`疑似与中介往来`
+  - 信贷客户：`与信贷客户之间非正常资金往来`
+  - 未命中名单类型时：`与客户之间非正常资金往来`
+- PDF 导出复用去重后的明细逻辑。
+
+3. 拉取本行流水弹窗
+
+- 证件号码输入提示改为仅支持英文逗号分隔。
+- 日期默认开始时间为昨天往前一年，结束时间为昨天。
+- 可选日期范围限制为 2025-01-01 到昨天。
+
+4. 报告导出展示
+
+- “一键导出”按钮文案改为“导出报告”。
+- PDF 报告章节标题错行问题修正。
+- PDF 报告标题加粗展示。
+
+## 涉及文件
+
+- `ccdi-project/src/main/java/com/ruoyi/ccdi/project/controller/CcdiProjectOverviewController.java`
+- `ccdi-project/src/main/java/com/ruoyi/ccdi/project/domain/vo/CcdiProjectSuspiciousTransactionItemVO.java`
+- `ccdi-project/src/main/java/com/ruoyi/ccdi/project/service/impl/CcdiProjectOverviewReportPdfExporter.java`
+- `ccdi-project/src/main/resources/mapper/ccdi/project/CcdiBankTagAnalysisMapper.xml`
+- `ccdi-project/src/main/resources/mapper/ccdi/project/CcdiProjectOverviewMapper.xml`
+- `ruoyi-ui/src/views/ccdiProject/components/detail/PreliminaryCheck.vue`
+- `ruoyi-ui/src/views/ccdiProject/components/detail/RiskDetailSection.vue`
+- `ruoyi-ui/src/views/ccdiProject/components/detail/UploadData.vue`
+- `ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiBankTagAnalysisMapperXmlTest.java`
+- `ccdi-project/src/test/java/com/ruoyi/ccdi/project/mapper/CcdiProjectOverviewMapperSqlTest.java`
+- `ccdi-project/src/test/java/com/ruoyi/ccdi/project/service/impl/CcdiProjectOverviewReportPdfExporterTest.java`
+
+## 验证情况
+
+- 已执行后端 Mapper SQL 断言测试。
+- 已执行 PDF 导出样式断言测试。
+- 已执行前端生产构建。
+- 已在本地页面验证涉疑交易明细中“中介/信贷客户”命中展示不重复。
+- 已验证 PDF 导出包含“疑似与中介往来”和“与信贷客户之间非正常资金往来”。
+

docs/reports/implementation/2026-05-26-pull-bank-info-dialog-implementation.md

@@ -0,0 +1,24 @@
+# 拉取本行流水弹窗交互调整实施记录
+
+## 修改内容
+
+- 将证件号码输入提示调整为“仅支持英文逗号分隔”。
+- 证件号码解析仅按英文逗号分隔，不再支持中文逗号、顿号、换行等分隔方式。
+- 本行存量流水日期默认值调整为：
+  - 开始日期：昨天往前一年。
+  - 结束日期：昨天。
+- 日期可选范围限制为 `2025-01-01` 到昨天。
+
+## 影响范围
+
+- 前端页面：
+  - `ruoyi-ui/src/views/ccdiProject/components/detail/UploadData.vue`
+- 不涉及后端接口、不改数据库。
+
+## 验证情况
+
+- 已在真实项目详情页打开“拉取本行流水”弹窗验证：
+  - 提示文案显示为仅支持英文逗号分隔。
+  - 默认开始日期为 `2025-05-25`。
+  - 默认结束日期为 `2026-05-25`。
+- 当前系统日期为 `2026-05-26`，默认日期符合“开始默认一年前、结束默认昨天”。

docs/reports/implementation/2026-05-26-report-pdf-section-spacing-implementation.md

@@ -0,0 +1,20 @@
+# 导出报告章节标题错行修复实施记录
+
+## 修改内容
+
+- 修复结果总览 PDF 导出报告中，表格结束后下一节标题可能压到表格底边框的问题。
+- 原因是 PDFBox 绘制文本时 `y` 坐标为文字基线，表格后仅保留 `8F` 间距，15 号章节标题的字形会向上占用空间，导致视觉上与上一张表格边框重叠。
+- 将表格后间距调整为 `32F`，确保下一节标题与上一张表格有明显稳定留白。
+- 章节标题、子标题和封面标题改为加粗展示；正文、表格文字、颜色和列宽不调整。
+
+## 影响范围
+
+- 后端 PDF 报告导出：
+  - `ccdi-project/src/main/java/com/ruoyi/ccdi/project/service/impl/CcdiProjectOverviewReportPdfExporter.java`
+- 不涉及前端页面、不改接口、不改数据库。
+
+## 验证情况
+
+- `mvn -pl ccdi-project -am -DskipTests compile` 通过。
+- `mvn -pl ccdi-project "-Dtest=CcdiProjectOverviewReportPdfExporterTest" test` 通过，2 个测试。
+- 新增测试断言表格后间距必须大于章节标题字号，避免后续回退成过小间距。

ruoyi-ui/src/views/ccdiProject/components/detail/PreliminaryCheck.vue

@@ -27,7 +27,7 @@
             :disabled="!projectId"
             @click="handleOverviewReportExport"
           >
-            一键导出
+            导出报告
           </el-button>
         </div>
         <overview-stats :summary="currentData.summary" />

ruoyi-ui/src/views/ccdiProject/components/detail/RiskDetailSection.vue

@@ -353,7 +353,61 @@ const SUSPICIOUS_TYPE_OPTIONS = [
   { value: "MODEL_RULE", label: "模型规则命中" },
 ];
 
-const normalizeHitTags = (hitTags) => (Array.isArray(hitTags) ? hitTags : []);
+const normalizeSuspiciousType = (value) => (
+  SUSPICIOUS_TYPE_OPTIONS.some((item) => item.value === value) ? value : "ALL"
+);
+
+const ABNORMAL_CUSTOMER_TRANSACTION_RULE_CODE = "ABNORMAL_CUSTOMER_TRANSACTION";
+const ABNORMAL_CUSTOMER_TRANSACTION_RULE_NAME = "与客户之间非正常资金往来";
+
+const resolveAbnormalCustomerTransactionRuleName = (nameListHitType) => {
+  if (nameListHitType === "中介") {
+    return "疑似与中介往来";
+  }
+  if (nameListHitType === "信贷客户") {
+    return "与信贷客户之间非正常资金往来";
+  }
+  return ABNORMAL_CUSTOMER_TRANSACTION_RULE_NAME;
+};
+
+const normalizeRuleName = (tag, context) => {
+  if (!tag) {
+    return "";
+  }
+  if (
+    tag.ruleCode === ABNORMAL_CUSTOMER_TRANSACTION_RULE_CODE
+    || tag.ruleName === "异常交易"
+    || tag.ruleName === ABNORMAL_CUSTOMER_TRANSACTION_RULE_NAME
+  ) {
+    return resolveAbnormalCustomerTransactionRuleName(context && context.nameListHitType);
+  }
+  return tag.ruleName || "";
+};
+
+const normalizeHitTags = (hitTags, context = {}) => {
+  if (!Array.isArray(hitTags)) {
+    return [];
+  }
+  const seen = new Set();
+  return hitTags
+    .map((tag) => ({
+      ...tag,
+      ruleName: normalizeRuleName(tag, context),
+    }))
+    .filter((tag) => {
+      const key = `${tag.ruleCode || ""}|${tag.ruleName || ""}`;
+      if (seen.has(key)) {
+        return false;
+      }
+      seen.add(key);
+      return true;
+    })
+    .sort((left, right) => {
+      const leftPriority = left.ruleCode === ABNORMAL_CUSTOMER_TRANSACTION_RULE_CODE ? 0 : 1;
+      const rightPriority = right.ruleCode === ABNORMAL_CUSTOMER_TRANSACTION_RULE_CODE ? 0 : 1;
+      return leftPriority - rightPriority;
+    });
+};
 
 const createEmptyDetailData = () => ({
   bankStatementId: "",
@@ -443,7 +497,7 @@ export default {
       deep: true,
       handler(value) {
         this.projectId = value && value.projectId ? value.projectId : null;
-        this.currentSuspiciousType = value && value.suspiciousType ? value.suspiciousType : "ALL";
+        this.currentSuspiciousType = normalizeSuspiciousType(value && value.suspiciousType);
         this.suspiciousPageNum = 1;
         this.suspiciousPageSize = 5;
         this.suspiciousTotal = Number(value && value.total) || 0;
@@ -603,7 +657,7 @@ export default {
               return {
                 ...detail,
                 ...row,
-                hitTags: normalizeHitTags(detail.hitTags),
+                hitTags: normalizeHitTags(detail.hitTags, row),
               };
             } catch (error) {
               return {
@@ -647,7 +701,14 @@ export default {
       this.detailVisible = true;
       this.detailLoading = true;
       try {
-        this.detailData = await this.fetchStatementDetail(row.bankStatementId, false);
+        const detail = await this.fetchStatementDetail(row.bankStatementId, false);
+        this.detailData = {
+          ...detail,
+          ...row,
+          hitTags: row && Array.isArray(row.hitTags) && row.hitTags.length
+            ? normalizeHitTags(row.hitTags, row)
+            : normalizeHitTags(detail.hitTags, row),
+        };
       } catch (error) {
         this.detailData = createEmptyDetailData();
         this.$message.error("加载流水详情失败");

ruoyi-ui/src/views/ccdiProject/components/detail/UploadData.vue

@@ -126,10 +126,10 @@
             type="textarea"
             :rows="5"
             :disabled="isProjectTagging || isProjectArchived"
-            placeholder="支持逗号、中文逗号、换行分隔"
+            placeholder="仅支持英文逗号分隔"
           />
           <div class="pull-bank-field-tip">
-            支持逗号、中文逗号、换行分隔，文件解析结果会自动合并并去重
+            仅支持英文逗号分隔，文件解析结果会自动合并并去重
           </div>
         </el-form-item>
         <el-form-item label="身份证文件">
@@ -424,7 +424,7 @@ export default {
     resetPullBankInfoForm() {
       this.pullBankInfoForm = {
         idCardText: "",
-        dateRange: [],
+        dateRange: this.buildDefaultPullBankInfoDateRange(),
       };
       this.idCardFileList = [];
       this.parsingIdCardFile = false;
@@ -434,7 +434,7 @@ export default {
       return Array.from(
         new Set(
           (text || "")
-            .split(/[\n,，]+/)
+            .split(/,+/)
             .map((item) => item.trim())
             .filter(Boolean)
         )
@@ -504,11 +504,36 @@ export default {
       today.setHours(0, 0, 0, 0);
       return today;
     },
+    getPullBankInfoMinSelectableDate() {
+      return new Date(2025, 0, 1);
+    },
     getPullBankInfoMaxSelectableDate() {
       const yesterday = this.getPullBankInfoTodayStart();
       yesterday.setDate(yesterday.getDate() - 1);
       return yesterday;
     },
+    formatPullBankInfoDate(date) {
+      const year = date.getFullYear();
+      const month = String(date.getMonth() + 1).padStart(2, "0");
+      const day = String(date.getDate()).padStart(2, "0");
+      return `${year}-${month}-${day}`;
+    },
+    buildDefaultPullBankInfoDateRange() {
+      const minSelectableDate = this.getPullBankInfoMinSelectableDate();
+      const maxSelectableDate = this.getPullBankInfoMaxSelectableDate();
+      const defaultStartDate = new Date(maxSelectableDate.getTime());
+      defaultStartDate.setFullYear(defaultStartDate.getFullYear() - 1);
+      if (defaultStartDate.getTime() < minSelectableDate.getTime()) {
+        return [
+          this.formatPullBankInfoDate(minSelectableDate),
+          this.formatPullBankInfoDate(maxSelectableDate),
+        ];
+      }
+      return [
+        this.formatPullBankInfoDate(defaultStartDate),
+        this.formatPullBankInfoDate(maxSelectableDate),
+      ];
+    },
     parsePullBankInfoDate(dateValue) {
       if (!dateValue) return null;
       const [year, month, day] = String(dateValue)
@@ -520,13 +545,23 @@ export default {
       return new Date(year, month - 1, day);
     },
     isPullBankInfoDateDisabled(time) {
-      return time.getTime() >= this.getPullBankInfoTodayStart().getTime();
+      const minSelectableDate = this.getPullBankInfoMinSelectableDate();
+      const todayStart = this.getPullBankInfoTodayStart();
+      return (
+        time.getTime() < minSelectableDate.getTime() ||
+        time.getTime() >= todayStart.getTime()
+      );
     },
     hasInvalidPullBankInfoDateRange(dateRange) {
+      const minSelectableDate = this.getPullBankInfoMinSelectableDate();
       const maxSelectableDate = this.getPullBankInfoMaxSelectableDate();
       return (dateRange || []).some((dateValue) => {
         const date = this.parsePullBankInfoDate(dateValue);
-        return !date || date.getTime() > maxSelectableDate.getTime();
+        return (
+          !date ||
+          date.getTime() < minSelectableDate.getTime() ||
+          date.getTime() > maxSelectableDate.getTime()
+        );
       });
     },
     buildFinalIdCardList() {
@@ -555,7 +590,7 @@ export default {
       }
 
       if (this.hasInvalidPullBankInfoDateRange([startDate, endDate])) {
-        this.$message.warning("时间跨度最晚只能选择到昨天");
+        this.$message.warning("时间跨度仅支持 2025-01-01 至昨天");
         return;
       }