diff --git a/docs/plans/backend/2026-03-23-credit-parse-client-backend-implementation.md b/docs/plans/backend/2026-03-23-credit-parse-client-backend-implementation.md
new file mode 100644
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+# Credit Parse Client Backend Implementation Plan
+
+> **For agentic workers:** REQUIRED: Use superpowers:subagent-driven-development (if subagents available) or superpowers:executing-plans to implement this plan. Steps use checkbox (`- [ ]`) syntax for tracking.
+
+**Goal:** 在 `ccdi-lsfx` 模块中新增独立征信解析 `Client` 和联调接口 `POST /lsfx/credit/parse`，通过独立配置调用外部征信解析服务。
+
+**Architecture:** 复用 `ccdi-lsfx` 现有 `HttpUtil` 与异常体系，但不复用 `LsfxAnalysisClient` 和 `lsfx.api.*` 配置。控制器负责最小参数校验和临时文件转换，独立 `CreditParseClient` 负责 `multipart/form-data` 调用与响应映射，结果以 `AjaxResult.success(response)` 形式透传。
+
+**Tech Stack:** Java 21, Spring Boot 3, Spring MVC, Jackson, RestTemplate, JUnit 5, Mockito, Maven
+
+---
+
+## 文件结构与职责
+
+**新增文件**
+
+- `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/client/CreditParseClient.java`
+  负责读取 `credit-parse.api.url`、组装 `multipart/form-data`、调用征信解析服务、记录日志。
+- `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/controller/CreditParseController.java`
+  负责接收 HTML 文件和可选参数、做最小校验、转换临时文件、调用 `CreditParseClient`、返回 `AjaxResult`。
+- `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/domain/response/CreditParseResponse.java`
+  映射外部返回的 `message`、`status_code`、`payload`。
+- `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/domain/response/CreditParsePayload.java`
+  按三个主题域承载 `payload`，使用 `Map<String, Object>` 保存字段。
+- `ccdi-lsfx/src/test/java/com/ruoyi/lsfx/client/CreditParseClientTest.java`
+  校验 `CreditParseClient` 的参数组装、URL 读取和异常传播。
+- `ccdi-lsfx/src/test/java/com/ruoyi/lsfx/controller/CreditParseControllerTest.java`
+  校验控制器参数默认值、文件校验、成功透传和异常兜底。
+- `docs/reports/implementation/2026-03-23-credit-parse-client-implementation.md`
+  记录本次后端实施实际改动、测试命令和结果。
+
+**修改文件**
+
+- `ccdi-lsfx/pom.xml`
+  补充测试依赖 `spring-boot-starter-test`。
+- `ruoyi-admin/src/main/resources/application-dev.yml`
+  新增 `credit-parse.api.url` 配置。
+- `ruoyi-admin/src/main/resources/application-nas.yml`
+  新增 `credit-parse.api.url` 配置。
+
+**参考文件**
+
+- `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/util/HttpUtil.java`
+- `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/controller/LsfxTestController.java`
+- `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/client/LsfxAnalysisClient.java`
+- `docs/design/2026-03-23-credit-parse-client-design.md`
+
+## Task 1: 补齐 `ccdi-lsfx` 测试基础
+
+**Files:**
+- Modify: `ccdi-lsfx/pom.xml`
+- Create: `ccdi-lsfx/src/test/java/com/ruoyi/lsfx/client/CreditParseClientTest.java`
+- Create: `ccdi-lsfx/src/test/java/com/ruoyi/lsfx/controller/CreditParseControllerTest.java`
+
+- [ ] **Step 1: 为 `ccdi-lsfx` 添加测试依赖**
+
+在 `ccdi-lsfx/pom.xml` 追加测试依赖：
+
+```xml
+<dependency>
+    <groupId>org.springframework.boot</groupId>
+    <artifactId>spring-boot-starter-test</artifactId>
+    <scope>test</scope>
+</dependency>
+```
+
+- [ ] **Step 2: 先写控制器失败用例**
+
+在 `ccdi-lsfx/src/test/java/com/ruoyi/lsfx/controller/CreditParseControllerTest.java` 写出最小失败用例，覆盖空文件与非法后缀：
+
+```java
+@Test
+void parse_shouldRejectEmptyFile() {
+    AjaxResult result = controller.parse(null, null, null);
+    assertEquals(500, result.get("code"));
+}
+
+@Test
+void parse_shouldRejectNonHtmlFile() {
+    MockMultipartFile file = new MockMultipartFile(
+        "file", "credit.pdf", "application/pdf", "x".getBytes(StandardCharsets.UTF_8)
+    );
+    AjaxResult result = controller.parse(file, null, null);
+    assertEquals(500, result.get("code"));
+}
+```
+
+- [ ] **Step 3: 运行测试确认失败**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx -Dtest=CreditParseControllerTest test
+```
+
+Expected:
+
+- 编译失败，提示 `CreditParseController` 或 `parse(...)` 不存在。
+
+- [ ] **Step 4: 提交前置依赖与测试骨架**
+
+```bash
+git add ccdi-lsfx/pom.xml ccdi-lsfx/src/test/java/com/ruoyi/lsfx/controller/CreditParseControllerTest.java ccdi-lsfx/src/test/java/com/ruoyi/lsfx/client/CreditParseClientTest.java
+git commit -m "新增征信解析测试基础"
+```
+
+## Task 2: 实现响应对象
+
+**Files:**
+- Create: `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/domain/response/CreditParseResponse.java`
+- Create: `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/domain/response/CreditParsePayload.java`
+- Test: `ccdi-lsfx/src/test/java/com/ruoyi/lsfx/client/CreditParseClientTest.java`
+
+- [ ] **Step 1: 先写响应映射测试**
+
+在 `CreditParseClientTest` 中先写 Jackson 反序列化测试：
+
+```java
+@Test
+void shouldDeserializeCreditParseResponse() throws Exception {
+    String json = """
+        {
+          "message": "成功",
+          "status_code": "0",
+          "payload": {
+            "lx_header": {"query_cert_no": "3301"},
+            "lx_debt": {"uncle_bank_house_bal": "12.00"},
+            "lx_publictype": {"civil_cnt": 1}
+          }
+        }
+        """;
+
+    CreditParseResponse response = objectMapper.readValue(json, CreditParseResponse.class);
+
+    assertEquals("0", response.getStatusCode());
+    assertEquals("3301", response.getPayload().getLxHeader().get("query_cert_no"));
+}
+```
+
+- [ ] **Step 2: 运行测试确认失败**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx -Dtest=CreditParseClientTest#shouldDeserializeCreditParseResponse test
+```
+
+Expected:
+
+- FAIL，提示 `CreditParseResponse` 或 `CreditParsePayload` 不存在。
+
+- [ ] **Step 3: 编写最小响应对象**
+
+在 `CreditParseResponse.java` 中实现：
+
+```java
+@Data
+public class CreditParseResponse {
+
+    private String message;
+
+    @JsonProperty("status_code")
+    private String statusCode;
+
+    private CreditParsePayload payload;
+}
+```
+
+在 `CreditParsePayload.java` 中实现：
+
+```java
+@Data
+public class CreditParsePayload {
+
+    @JsonProperty("lx_header")
+    private Map<String, Object> lxHeader;
+
+    @JsonProperty("lx_debt")
+    private Map<String, Object> lxDebt;
+
+    @JsonProperty("lx_publictype")
+    private Map<String, Object> lxPublictype;
+}
+```
+
+- [ ] **Step 4: 运行测试确认通过**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx -Dtest=CreditParseClientTest#shouldDeserializeCreditParseResponse test
+```
+
+Expected:
+
+- PASS
+
+- [ ] **Step 5: 提交响应对象**
+
+```bash
+git add ccdi-lsfx/src/main/java/com/ruoyi/lsfx/domain/response/CreditParseResponse.java ccdi-lsfx/src/main/java/com/ruoyi/lsfx/domain/response/CreditParsePayload.java ccdi-lsfx/src/test/java/com/ruoyi/lsfx/client/CreditParseClientTest.java
+git commit -m "新增征信解析响应对象"
+```
+
+## Task 3: 实现 `CreditParseClient`
+
+**Files:**
+- Create: `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/client/CreditParseClient.java`
+- Modify: `ruoyi-admin/src/main/resources/application-dev.yml`
+- Modify: `ruoyi-admin/src/main/resources/application-nas.yml`
+- Test: `ccdi-lsfx/src/test/java/com/ruoyi/lsfx/client/CreditParseClientTest.java`
+
+- [ ] **Step 1: 先写 `Client` 成功用例**
+
+在 `CreditParseClientTest` 中用 Mockito 模拟 `HttpUtil`：
+
+```java
+@Test
+void shouldCallConfiguredUrlWithMultipartParams() {
+    File file = new File("sample.html");
+    CreditParseResponse response = new CreditParseResponse();
+    response.setStatusCode("0");
+
+    when(httpUtil.uploadFile(eq("http://credit-host/xfeature-mngs/conversation/htmlEval"), anyMap(), isNull(), eq(CreditParseResponse.class)))
+        .thenReturn(response);
+
+    CreditParseResponse actual = client.parse("LXCUSTALL", "PERSON", file);
+
+    assertEquals("0", actual.getStatusCode());
+    verify(httpUtil).uploadFile(eq("http://credit-host/xfeature-mngs/conversation/htmlEval"), argThat(params ->
+        "LXCUSTALL".equals(params.get("model"))
+            && "PERSON".equals(params.get("hType"))
+            && file.equals(params.get("file"))
+    ), isNull(), eq(CreditParseResponse.class));
+}
+```
+
+- [ ] **Step 2: 再写 `Client` 异常传播用例**
+
+```java
+@Test
+void shouldWrapHttpErrorsAsLsfxApiException() {
+    when(httpUtil.uploadFile(anyString(), anyMap(), isNull(), eq(CreditParseResponse.class)))
+        .thenThrow(new LsfxApiException("网络失败"));
+
+    assertThrows(LsfxApiException.class,
+        () -> client.parse("LXCUSTALL", "PERSON", new File("sample.html")));
+}
+```
+
+- [ ] **Step 3: 运行测试确认失败**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx -Dtest=CreditParseClientTest test
+```
+
+Expected:
+
+- FAIL，提示 `CreditParseClient` 不存在。
+
+- [ ] **Step 4: 实现 `CreditParseClient`**
+
+在 `CreditParseClient.java` 中实现最小调用逻辑：
+
+```java
+@Slf4j
+@Component
+public class CreditParseClient {
+
+    @Resource
+    private HttpUtil httpUtil;
+
+    @Value("${credit-parse.api.url}")
+    private String creditParseUrl;
+
+    public CreditParseResponse parse(String model, String hType, File file) {
+        Map<String, Object> params = new HashMap<>();
+        params.put("model", model);
+        params.put("hType", hType);
+        params.put("file", file);
+        return httpUtil.uploadFile(creditParseUrl, params, null, CreditParseResponse.class);
+    }
+}
+```
+
+补充日志和异常包装，保持 `LsfxAnalysisClient` 风格：
+
+- 请求开始记录文件名、`model`、`hType`
+- 请求结束记录耗时和 `statusCode`
+- 异常时抛 `LsfxApiException("征信解析调用失败: ...", e)`
+
+- [ ] **Step 5: 增加独立配置**
+
+在 `ruoyi-admin/src/main/resources/application-dev.yml` 与 `ruoyi-admin/src/main/resources/application-nas.yml` 增加：
+
+```yml
+credit-parse:
+  api:
+    url: http://64.202.94.120:8081/xfeature-mngs/conversation/htmlEval
+```
+
+- [ ] **Step 6: 运行测试确认通过**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx -Dtest=CreditParseClientTest test
+```
+
+Expected:
+
+- PASS
+
+- [ ] **Step 7: 提交 `Client` 与配置**
+
+```bash
+git add ccdi-lsfx/src/main/java/com/ruoyi/lsfx/client/CreditParseClient.java ruoyi-admin/src/main/resources/application-dev.yml ruoyi-admin/src/main/resources/application-nas.yml ccdi-lsfx/src/test/java/com/ruoyi/lsfx/client/CreditParseClientTest.java
+git commit -m "新增征信解析客户端"
+```
+
+## Task 4: 实现 `CreditParseController`
+
+**Files:**
+- Create: `ccdi-lsfx/src/main/java/com/ruoyi/lsfx/controller/CreditParseController.java`
+- Test: `ccdi-lsfx/src/test/java/com/ruoyi/lsfx/controller/CreditParseControllerTest.java`
+
+- [ ] **Step 1: 先写控制器成功透传用例**
+
+```java
+@Test
+void shouldUseDefaultModelAndTypeWhenMissing() {
+    MockMultipartFile file = new MockMultipartFile(
+        "file", "credit.html", "text/html", "<html/>".getBytes(StandardCharsets.UTF_8)
+    );
+    CreditParseResponse response = new CreditParseResponse();
+    response.setStatusCode("0");
+
+    when(client.parse(eq("LXCUSTALL"), eq("PERSON"), any(File.class))).thenReturn(response);
+
+    AjaxResult result = controller.parse(file, null, null);
+
+    assertEquals(200, result.get("code"));
+    assertSame(response, result.get("data"));
+}
+```
+
+- [ ] **Step 2: 再写异常兜底用例**
+
+```java
+@Test
+void shouldReturnAjaxErrorWhenClientThrows() {
+    MockMultipartFile file = new MockMultipartFile(
+        "file", "credit.html", "text/html", "<html/>".getBytes(StandardCharsets.UTF_8)
+    );
+    when(client.parse(anyString(), anyString(), any(File.class)))
+        .thenThrow(new LsfxApiException("超时"));
+
+    AjaxResult result = controller.parse(file, null, null);
+
+    assertEquals(500, result.get("code"));
+}
+```
+
+- [ ] **Step 3: 运行测试确认失败**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx -Dtest=CreditParseControllerTest test
+```
+
+Expected:
+
+- FAIL，提示 `CreditParseController` 不存在。
+
+- [ ] **Step 4: 编写控制器最小实现**
+
+控制器结构按 `LsfxTestController` 风格实现：
+
+```java
+@Tag(name = "征信解析接口测试", description = "用于测试征信解析接口")
+@Anonymous
+@RestController
+@RequestMapping("/lsfx/credit")
+public class CreditParseController {
+
+    @Resource
+    private CreditParseClient creditParseClient;
+
+    @PostMapping("/parse")
+    public AjaxResult parse(@RequestParam("file") MultipartFile file,
+                            @RequestParam(required = false) String model,
+                            @RequestParam(required = false) String hType) {
+        // 参数校验
+        // 默认值补齐
+        // 临时文件转换
+        // 调用 client
+        // finally 删除临时文件
+    }
+}
+```
+
+校验规则固定为：
+
+- `file == null` 或 `file.isEmpty()` -> `AjaxResult.error("征信HTML文件不能为空")`
+- `originalFilename` 为空 -> `AjaxResult.error("文件名不能为空")`
+- 不是 `.html`/`.htm` -> `AjaxResult.error("仅支持 HTML 格式文件")`
+- `model` 为空 -> `LXCUSTALL`
+- `hType` 为空 -> `PERSON`
+
+- [ ] **Step 5: 运行测试确认通过**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx -Dtest=CreditParseControllerTest test
+```
+
+Expected:
+
+- PASS
+
+- [ ] **Step 6: 提交控制器**
+
+```bash
+git add ccdi-lsfx/src/main/java/com/ruoyi/lsfx/controller/CreditParseController.java ccdi-lsfx/src/test/java/com/ruoyi/lsfx/controller/CreditParseControllerTest.java
+git commit -m "新增征信解析联调接口"
+```
+
+## Task 5: 做模块级回归验证
+
+**Files:**
+- Modify: `docs/reports/implementation/2026-03-23-credit-parse-client-implementation.md`
+
+- [ ] **Step 1: 运行 `ccdi-lsfx` 测试**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx test
+```
+
+Expected:
+
+- `CreditParseClientTest` PASS
+- `CreditParseControllerTest` PASS
+
+- [ ] **Step 2: 运行模块编译验证**
+
+Run:
+
+```bash
+mvn -pl ccdi-lsfx -am compile
+```
+
+Expected:
+
+- BUILD SUCCESS
+
+- [ ] **Step 3: 手工联调检查 Swagger 与接口**
+
+Run:
+
+```bash
+mvn -pl ruoyi-admin -am spring-boot:run
+```
+
+打开：
+
+- `http://localhost:62318/swagger-ui.html`
+
+检查：
+
+- 存在 `POST /lsfx/credit/parse`
+- 上传 `.html` 文件时能返回 `AjaxResult`
+
+测试完成后停止进程。
+
+- [ ] **Step 4: 记录实施结果**
+
+在 `docs/reports/implementation/2026-03-23-credit-parse-client-implementation.md` 写入：
+
+- 实际修改文件列表
+- 执行的测试命令
+- 测试结果
+- 是否完成 Swagger 联调
+
+建议结构：
+
+```md
+# 征信解析客户端实施记录
+
+## 1. 改动概述
+
+## 2. 修改文件
+
+## 3. 测试记录
+
+## 4. 结果说明
+```
+
+- [ ] **Step 5: 提交验证与实施记录**
+
+```bash
+git add docs/reports/implementation/2026-03-23-credit-parse-client-implementation.md
+git commit -m "补充征信解析客户端实施记录"
+```
+
+## Task 6: 最终整理
+
+**Files:**
+- Modify: `docs/design/2026-03-23-credit-parse-client-design.md`
+- Modify: `docs/plans/backend/2026-03-23-credit-parse-client-backend-implementation.md`
+
+- [ ] **Step 1: 回看设计与实现是否一致**
+
+逐项核对：
+
+- 独立 `CreditParseClient`
+- 独立配置 `credit-parse.api.url`
+- 接口路径 `POST /lsfx/credit/parse`
+- 不接入 `ccdi-project`
+- 不落库
+
+- [ ] **Step 2: 如果实现偏差，更新设计或实施记录**
+
+只允许修正文档，不允许在这个阶段临时扩需求。
+
+- [ ] **Step 3: 检查暂存区只包含本次任务相关文件**
+
+Run:
+
+```bash
+git status --short
+git diff --cached --name-only
+```
+
+Expected:
+
+- 暂存区仅包含本次征信解析相关代码与文档
+
+- [ ] **Step 4: 最终提交**
+
+```bash
+git add ccdi-lsfx/pom.xml ccdi-lsfx/src/main/java/com/ruoyi/lsfx/client/CreditParseClient.java ccdi-lsfx/src/main/java/com/ruoyi/lsfx/controller/CreditParseController.java ccdi-lsfx/src/main/java/com/ruoyi/lsfx/domain/response/CreditParseResponse.java ccdi-lsfx/src/main/java/com/ruoyi/lsfx/domain/response/CreditParsePayload.java ccdi-lsfx/src/test/java/com/ruoyi/lsfx/client/CreditParseClientTest.java ccdi-lsfx/src/test/java/com/ruoyi/lsfx/controller/CreditParseControllerTest.java ruoyi-admin/src/main/resources/application-dev.yml ruoyi-admin/src/main/resources/application-nas.yml docs/reports/implementation/2026-03-23-credit-parse-client-implementation.md
+git commit -m "完成征信解析客户端后端实现"
+```
+
+## Review Notes
+
+- 由于当前仓库协作约定要求“不开启 subagent”，本计划不执行 `writing-plans` 技能中的子代理审阅环节。
+- 实施时如果发现外部接口真实返回结构与说明书不一致，应先修正响应映射，再更新实施记录，不要额外扩展业务逻辑。
diff --git a/docs/plans/frontend/2026-03-23-credit-parse-client-frontend-implementation.md b/docs/plans/frontend/2026-03-23-credit-parse-client-frontend-implementation.md
new file mode 100644
index 00000000..7caccf21
--- /dev/null
+++ b/docs/plans/frontend/2026-03-23-credit-parse-client-frontend-implementation.md
@@ -0,0 +1,152 @@
+# Credit Parse Client Frontend Implementation Plan
+
+> **For agentic workers:** REQUIRED: Use superpowers:subagent-driven-development (if subagents available) or superpowers:executing-plans to implement this plan. Steps use checkbox (`- [ ]`) syntax for tracking.
+
+**Goal:** 确认本次征信解析客户端建设不涉及前端代码改动，并输出可执行的前端协作与验收计划，避免后续联调时误改前端现有上传链路。
+
+**Architecture:** 本次需求边界限定在 `ccdi-lsfx` 后端模块：新增独立征信解析 `Client`、独立配置和联调接口，不接入 `ccdi-project` 现有上传流程，也不新增前端页面或 API 封装。因此前端计划以“确认无改动、保留联调信息、避免误接入”为主。
+
+**Tech Stack:** Vue 2, Axios request 封装, 若依前端工程结构, Markdown 文档
+
+---
+
+## 文件结构与职责
+
+**本次不修改的前端文件**
+
+- `ruoyi-ui/src/api/ccdiProjectUpload.js`
+- `ruoyi-ui/src/views/ccdiProject/components/detail/UploadData.vue`
+
+**新增文件**
+
+- `docs/reports/implementation/2026-03-23-credit-parse-client-implementation.md`
+  在后端实施完成后，由同一次改动统一补充实施记录，其中需明确本次前端无代码改动。
+
+**参考文件**
+
+- `docs/design/2026-03-23-credit-parse-client-design.md`
+- `docs/plans/backend/2026-03-23-credit-parse-client-backend-implementation.md`
+- `ruoyi-ui/src/views/ccdiProject/components/detail/UploadData.vue`
+
+## Task 1: 确认前端边界
+
+**Files:**
+- Review: `ruoyi-ui/src/views/ccdiProject/components/detail/UploadData.vue`
+- Review: `ruoyi-ui/src/api/ccdiProjectUpload.js`
+
+- [ ] **Step 1: 核对设计边界**
+
+确认以下结论成立：
+
+- 新接口落在 `ccdi-lsfx`
+- 调用入口为 `POST /lsfx/credit/parse`
+- 不接入项目上传主链路
+- 不新增前端上传卡片行为
+- 不新增前端 API 文件
+
+- [ ] **Step 2: 检查现有前端征信入口不做误修改**
+
+查看 `UploadData.vue` 中现有征信卡片定义，确认本次不改：
+
+```js
+{
+  key: "credit",
+  title: "征信导入",
+  desc: "支持 HTML 格式征信数据解析",
+  icon: "el-icon-s-data",
+  btnText: "上传征信",
+  uploaded: false,
+  disabled: true,
+}
+```
+
+- [ ] **Step 3: 记录前端不改动结论**
+
+在实施记录中预留一段文字：
+
+```md
+## 前端影响说明
+
+本次需求仅在 `ccdi-lsfx` 后端模块新增征信解析 Client 与联调接口，前端未做代码改动。
+```
+
+- [ ] **Step 4: 提交边界确认**
+
+```bash
+git add docs/plans/frontend/2026-03-23-credit-parse-client-frontend-implementation.md
+git commit -m "新增征信解析客户端前端实施计划"
+```
+
+## Task 2: 后端联调验收配合
+
+**Files:**
+- Review: `docs/reports/implementation/2026-03-23-credit-parse-client-implementation.md`
+
+- [ ] **Step 1: 后端完成后校验接口契约**
+
+核对后端实际输出是否满足以下约定：
+
+- `AjaxResult.code = 200`
+- `AjaxResult.data.message`
+- `AjaxResult.data.status_code`
+- `AjaxResult.data.payload.lx_header`
+- `AjaxResult.data.payload.lx_debt`
+- `AjaxResult.data.payload.lx_publictype`
+
+- [ ] **Step 2: 确认无前端阻塞项**
+
+若没有以下情况，则维持前端零改动：
+
+- 需要在项目页面挂接新按钮
+- 需要新增前端 API 封装
+- 需要前端解析 `payload` 并渲染页面
+
+若出现上述新需求，应单独发起新的设计和计划，不在本次实施中顺带处理。
+
+- [ ] **Step 3: 在实施记录中写明前端验收结论**
+
+补充：
+
+```md
+## 前端验收结论
+
+- 本次无前端代码改动
+- 后端接口契约已形成，可供后续独立前端联调使用
+```
+
+## Task 3: 最终检查
+
+**Files:**
+- Modify: `docs/plans/frontend/2026-03-23-credit-parse-client-frontend-implementation.md`
+
+- [ ] **Step 1: 检查工作区无前端源码改动**
+
+Run:
+
+```bash
+git status --short ruoyi-ui
+```
+
+Expected:
+
+- 无 `ruoyi-ui` 目录下源码改动，或只有用户明确要求的相关改动
+
+- [ ] **Step 2: 检查计划与设计一致**
+
+确认没有出现以下偏移：
+
+- 把征信解析顺手接入前端上传卡片
+- 顺手新增前端 API 封装
+- 顺手调整项目上传状态逻辑
+
+- [ ] **Step 3: 最终提交**
+
+```bash
+git add docs/plans/frontend/2026-03-23-credit-parse-client-frontend-implementation.md
+git commit -m "补充征信解析客户端前端实施说明"
+```
+
+## Review Notes
+
+- 本计划明确为“前端零代码改动计划”，目的是固化边界，避免后续联调时无意改动现有项目上传前端链路。
+- 由于当前协作约定禁止开启 subagent，本计划不执行子代理审阅环节。