diff --git a/ccdi-project/src/test/java/com/ruoyi/ccdi/project/sql/CcdiAbnormalAccountRuleSqlMetadataTest.java b/ccdi-project/src/test/java/com/ruoyi/ccdi/project/sql/CcdiAbnormalAccountRuleSqlMetadataTest.java
index 3b708fc1..5743cd83 100644
--- a/ccdi-project/src/test/java/com/ruoyi/ccdi/project/sql/CcdiAbnormalAccountRuleSqlMetadataTest.java
+++ b/ccdi-project/src/test/java/com/ruoyi/ccdi/project/sql/CcdiAbnormalAccountRuleSqlMetadataTest.java
@@ -27,4 +27,21 @@ class CcdiAbnormalAccountRuleSqlMetadataTest {
             () -> assertTrue(sql.contains("'OBJECT'"))
         );
     }
+
+    @Test
+    void abnormalAccountMetadataSql_shouldContainAccountInfoTableDefinition() throws IOException {
+        Path path = Path.of("..", "sql", "migration",
+            "2026-03-31-create-ccdi-account-info-and-abnormal-account-rules.sql");
+
+        assertTrue(Files.exists(path), "异常账户模型迁移脚本应存在");
+
+        String sql = Files.readString(path, StandardCharsets.UTF_8).toLowerCase();
+        assertAll(
+            () -> assertTrue(sql.contains("create table if not exists `ccdi_account_info`")),
+            () -> assertTrue(sql.contains("`account_no`")),
+            () -> assertTrue(sql.contains("`owner_type`")),
+            () -> assertTrue(sql.contains("`effective_date`")),
+            () -> assertTrue(sql.contains("`invalid_date`"))
+        );
+    }
 }
diff --git a/ccdi-project/src/test/java/com/ruoyi/ccdi/project/sql/CcdiBankTagRuleSqlMetadataTest.java b/ccdi-project/src/test/java/com/ruoyi/ccdi/project/sql/CcdiBankTagRuleSqlMetadataTest.java
index 22239681..66300f3c 100644
--- a/ccdi-project/src/test/java/com/ruoyi/ccdi/project/sql/CcdiBankTagRuleSqlMetadataTest.java
+++ b/ccdi-project/src/test/java/com/ruoyi/ccdi/project/sql/CcdiBankTagRuleSqlMetadataTest.java
@@ -30,6 +30,23 @@ class CcdiBankTagRuleSqlMetadataTest {
         assertPhase2Metadata(migrationSql);
     }
 
+    @Test
+    void abnormalAccountMetadataSql_shouldContainBusinessCaliberAndRuleRemark() throws IOException {
+        String migrationSql = readProjectFile("sql", "migration",
+            "2026-03-31-create-ccdi-account-info-and-abnormal-account-rules.sql");
+
+        assertAll(
+            () -> assertTrue(migrationSql.contains("员工本人账户已销户，且销户日前30天内仍存在交易记录。"),
+                "SUDDEN_ACCOUNT_CLOSURE 应使用设计文档中的业务口径"),
+            () -> assertTrue(migrationSql.contains("员工本人账户开户后长期未使用，首次启用后出现大额资金流动。"),
+                "DORMANT_ACCOUNT_LARGE_ACTIVATION 应使用设计文档中的业务口径"),
+            () -> assertTrue(migrationSql.contains("真实规则：识别员工本人账户销户前30天内仍有交易的员工对象"),
+                "SUDDEN_ACCOUNT_CLOSURE 应同步真实规则说明"),
+            () -> assertTrue(migrationSql.contains("真实规则：识别长期休眠后首次启用即出现大额资金流动的员工对象"),
+                "DORMANT_ACCOUNT_LARGE_ACTIVATION 应同步真实规则说明")
+        );
+    }
+
     private void assertPhase1Metadata(String sqlContent) {
         assertAll(
             () -> assertTrue(sqlContent.contains("'FOREX_BUY_AMT'")
diff --git a/sql/migration/2026-03-31-create-ccdi-account-info-and-abnormal-account-rules.sql b/sql/migration/2026-03-31-create-ccdi-account-info-and-abnormal-account-rules.sql
index bae497e4..9b12d2ef 100644
--- a/sql/migration/2026-03-31-create-ccdi-account-info-and-abnormal-account-rules.sql
+++ b/sql/migration/2026-03-31-create-ccdi-account-info-and-abnormal-account-rules.sql
@@ -1,5 +1,36 @@
 START TRANSACTION;
 
+CREATE TABLE IF NOT EXISTS `ccdi_account_info` (
+  `account_id` BIGINT NOT NULL AUTO_INCREMENT COMMENT '主键ID',
+  `account_no` VARCHAR(240) NOT NULL COMMENT '账号',
+  `account_type` VARCHAR(64) DEFAULT NULL COMMENT '账户类型',
+  `account_name` VARCHAR(128) DEFAULT NULL COMMENT '账户名称',
+  `owner_type` VARCHAR(32) NOT NULL COMMENT '归属人类型',
+  `owner_id` VARCHAR(64) NOT NULL COMMENT '归属人标识',
+  `bank` VARCHAR(128) DEFAULT NULL COMMENT '开户行',
+  `bank_code` VARCHAR(64) DEFAULT NULL COMMENT '开户行编码',
+  `currency` VARCHAR(32) DEFAULT NULL COMMENT '币种',
+  `is_self_account` TINYINT DEFAULT 1 COMMENT '是否本人账户',
+  `monthly_avg_trans_count` DECIMAL(18, 2) DEFAULT NULL COMMENT '月均交易笔数',
+  `monthly_avg_trans_amount` DECIMAL(18, 2) DEFAULT NULL COMMENT '月均交易金额',
+  `trans_freq_type` VARCHAR(32) DEFAULT NULL COMMENT '交易频率类型',
+  `dr_max_single_amount` DECIMAL(18, 2) DEFAULT NULL COMMENT '最大单笔支出金额',
+  `cr_max_single_amount` DECIMAL(18, 2) DEFAULT NULL COMMENT '最大单笔收入金额',
+  `dr_max_daily_amount` DECIMAL(18, 2) DEFAULT NULL COMMENT '最大单日支出金额',
+  `cr_max_daily_amount` DECIMAL(18, 2) DEFAULT NULL COMMENT '最大单日收入金额',
+  `trans_risk_level` VARCHAR(32) DEFAULT NULL COMMENT '交易风险等级',
+  `status` TINYINT NOT NULL DEFAULT 1 COMMENT '账户状态：1正常，2已销户',
+  `effective_date` DATE DEFAULT NULL COMMENT '开户日期',
+  `invalid_date` DATE DEFAULT NULL COMMENT '销户日期',
+  `create_by` VARCHAR(64) DEFAULT NULL COMMENT '创建者',
+  `create_time` DATETIME DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+  `update_by` VARCHAR(64) DEFAULT NULL COMMENT '更新者',
+  `update_time` DATETIME DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
+  PRIMARY KEY (`account_id`),
+  KEY `idx_ccdi_account_info_owner` (`owner_type`, `owner_id`),
+  KEY `idx_ccdi_account_info_account_no` (`account_no`)
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COMMENT='员工账户信息表';
+
 INSERT INTO ccdi_bank_tag_rule (
     model_code,
     model_name,
@@ -16,10 +47,10 @@ INSERT INTO ccdi_bank_tag_rule (
 ) VALUES
 ('ABNORMAL_ACCOUNT', '异常账户', 'SUDDEN_ACCOUNT_CLOSURE', '突然销户', NULL, 'OBJECT', 'HIGH',
  '员工本人账户已销户，且销户日前30天内仍存在交易记录。', 1, 10, 'system',
- '异常账户模型规则骨架，后续补充建表与完整业务口径'),
+ '真实规则：识别员工本人账户销户前30天内仍有交易的员工对象'),
 ('ABNORMAL_ACCOUNT', '异常账户', 'DORMANT_ACCOUNT_LARGE_ACTIVATION', '休眠账户大额启用', NULL, 'OBJECT', 'HIGH',
  '员工本人账户开户后长期未使用，首次启用后出现大额资金流动。', 1, 20, 'system',
- '异常账户模型规则骨架，后续补充建表与完整业务口径')
+ '真实规则：识别长期休眠后首次启用即出现大额资金流动的员工对象')
 ON DUPLICATE KEY UPDATE
     model_code = VALUES(model_code),
     model_name = VALUES(model_name),