调整专项排查资产收入匹配口径

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

@@ -24,6 +24,15 @@ public class CcdiProjectFamilyAssetLiabilityListItemVO {
     /** 家庭总年收入 */
     private BigDecimal totalIncome;
 
+    /** 本人年收入 */
+    private BigDecimal selfIncome;
+
+    /** 配偶年收入 */
+    private BigDecimal spouseIncome;
+
+    /** 本人入职年限 */
+    private Integer employmentYears;
+
     /** 家庭总资产 */
     private BigDecimal totalAsset;
 
@@ -33,6 +42,12 @@ public class CcdiProjectFamilyAssetLiabilityListItemVO {
     /** 收入负债对比金额 */
     private BigDecimal comparisonAmount;
 
+    /** 可解释收入 */
+    private BigDecimal explainableIncome;
+
+    /** 资产收入倍数 */
+    private BigDecimal assetIncomeRatio;
+
     /** 风险等级编码 */
     private String riskLevelCode;
 

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

@@ -15,6 +15,12 @@ public class CcdiProjectFamilyIncomeDetailVO {
     /** 配偶年收入 */
     private BigDecimal spouseIncome;
 
+    /** 本人入职年限 */
+    private Integer employmentYears;
+
     /** 家庭总年收入 */
     private BigDecimal totalIncome;
+
+    /** 可解释收入 */
+    private BigDecimal explainableIncome;
 }

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

@@ -227,6 +227,7 @@ public class CcdiProjectSpecialCheckServiceImpl implements ICcdiProjectSpecialCh
             incomeDetail.setSelfIncome(BigDecimal.ZERO);
             incomeDetail.setSpouseIncome(BigDecimal.ZERO);
             incomeDetail.setTotalIncome(BigDecimal.ZERO);
+            incomeDetail.setExplainableIncome(BigDecimal.ZERO);
             detail.setIncomeDetail(incomeDetail);
         }
 

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

@@ -9,9 +9,14 @@
         <result property="staffName" column="staff_name"/>
         <result property="deptName" column="dept_name"/>
         <result property="totalIncome" column="total_income"/>
+        <result property="selfIncome" column="self_income"/>
+        <result property="spouseIncome" column="spouse_income"/>
+        <result property="employmentYears" column="employment_years"/>
         <result property="totalAsset" column="total_asset"/>
         <result property="totalDebt" column="total_debt"/>
         <result property="comparisonAmount" column="comparison_amount"/>
+        <result property="explainableIncome" column="explainable_income"/>
+        <result property="assetIncomeRatio" column="asset_income_ratio"/>
         <result property="riskLevelCode" column="risk_level_code"/>
         <result property="riskLevelName" column="risk_level_name"/>
     </resultMap>
@@ -95,7 +100,9 @@
                      javaType="com.ruoyi.ccdi.project.domain.vo.CcdiProjectFamilyIncomeDetailVO">
             <result property="selfIncome" column="income_self_income"/>
             <result property="spouseIncome" column="income_spouse_income"/>
+            <result property="employmentYears" column="income_employment_years"/>
             <result property="totalIncome" column="income_total_income"/>
+            <result property="explainableIncome" column="income_explainable_income"/>
         </association>
         <association property="assetDetail"
                      javaType="com.ruoyi.ccdi.project.domain.vo.CcdiProjectFamilyAssetDetailVO">
@@ -126,9 +133,14 @@
             <result property="staffName" column="summary_staff_name"/>
             <result property="deptName" column="summary_dept_name"/>
             <result property="totalIncome" column="summary_total_income"/>
+            <result property="selfIncome" column="summary_self_income"/>
+            <result property="spouseIncome" column="summary_spouse_income"/>
+            <result property="employmentYears" column="summary_employment_years"/>
             <result property="totalAsset" column="summary_total_asset"/>
             <result property="totalDebt" column="summary_total_debt"/>
             <result property="comparisonAmount" column="summary_comparison_amount"/>
+            <result property="explainableIncome" column="summary_explainable_income"/>
+            <result property="assetIncomeRatio" column="summary_asset_income_ratio"/>
             <result property="riskLevelCode" column="summary_risk_level_code"/>
             <result property="riskLevelName" column="summary_risk_level_name"/>
         </association>
@@ -194,44 +206,58 @@
             aggregated.staff_name,
             aggregated.dept_name,
             aggregated.total_income,
+            aggregated.self_income,
+            aggregated.spouse_income,
+            aggregated.employment_years,
             aggregated.total_asset,
             aggregated.total_debt,
             aggregated.comparison_amount,
+            aggregated.explainable_income,
+            aggregated.asset_income_ratio,
             case
-                when aggregated.missing_asset_info = 1 or aggregated.missing_debt_info = 1 then 'MISSING_INFO'
-                when comparison_amount &lt;= total_asset * 1.5 then 'NORMAL'
-                when comparison_amount &gt; total_asset * 1.5 and comparison_amount &lt;= total_asset * 3 then 'RISK'
-                when comparison_amount &gt; total_asset * 3 then 'HIGH'
+                when aggregated.missing_info = 1 then 'MISSING_INFO'
+                when aggregated.asset_income_ratio &lt;= 1.5 then 'NORMAL'
+                when aggregated.asset_income_ratio &gt; 1.5 and aggregated.asset_income_ratio &lt;= 3 then 'RISK'
+                when aggregated.asset_income_ratio &gt; 3 then 'HIGH'
                 else 'HIGH'
             end as risk_level_code,
             case
-                when aggregated.missing_asset_info = 1 or aggregated.missing_debt_info = 1 then '缺少信息'
-                when comparison_amount &lt;= total_asset * 1.5 then '正常'
-                when comparison_amount &gt; total_asset * 1.5 and comparison_amount &lt;= total_asset * 3 then '存在风险'
-                when comparison_amount &gt; total_asset * 3 then '高风险'
-                else '高风险'
+                when aggregated.missing_info = 1 then '缺少信息'
+                when aggregated.asset_income_ratio &lt;= 1.5 then '正常'
+                when aggregated.asset_income_ratio &gt; 1.5 and aggregated.asset_income_ratio &lt;= 3 then '关注'
+                when aggregated.asset_income_ratio &gt; 3 then '高关注'
+                else '高关注'
             end as risk_level_name
         from (
             select
                 source.*,
                 case
-                    when source.self_asset_record_count = 0
-                        or source.spouse_staff_asset_record_count = 0 then 1
+                    when source.self_income &lt;= 0
+                        or source.employment_years is null
+                        or source.total_asset &lt;= 0 then 1
                     else 0
-                end as missing_asset_info,
+                end as missing_info,
+                source.self_income * source.employment_years
+                    + source.spouse_income
+                    + source.total_debt as explainable_income,
+                source.self_income * source.employment_years
+                    + source.spouse_income
+                    + source.total_debt as comparison_amount,
                 case
-                    when source.self_debt_record_count = 0
-                        or source.spouse_staff_debt_record_count = 0 then 1
-                    else 0
-                end as missing_debt_info,
+                    when source.self_income &lt;= 0
+                        or source.employment_years is null
+                        or source.total_asset &lt;= 0
+                        or (source.self_income * source.employment_years + source.spouse_income + source.total_debt) &lt;= 0 then null
+                    else source.total_asset / (source.self_income * source.employment_years + source.spouse_income + source.total_debt)
+                end as asset_income_ratio,
                 case
-                    when source.self_asset_record_count = 0
-                        or source.spouse_staff_asset_record_count = 0
-                        or source.self_debt_record_count = 0
-                        or source.spouse_staff_debt_record_count = 0 then 4
-                    when source.comparison_amount &lt;= source.total_asset * 1.5 then 1
-                    when source.comparison_amount &lt;= source.total_asset * 3 then 2
-                    when source.comparison_amount &gt; source.total_asset * 3 then 3
+                    when source.self_income &lt;= 0
+                        or source.employment_years is null
+                        or source.total_asset &lt;= 0
+                        or (source.self_income * source.employment_years + source.spouse_income + source.total_debt) &lt;= 0 then 0
+                    when source.total_asset / (source.self_income * source.employment_years + source.spouse_income + source.total_debt) &lt;= 1.5 then 1
+                    when source.total_asset / (source.self_income * source.employment_years + source.spouse_income + source.total_debt) &lt;= 3 then 2
+                    when source.total_asset / (source.self_income * source.employment_years + source.spouse_income + source.total_debt) &gt; 3 then 3
                     else 3
                 end as risk_level_sort
             from (
@@ -240,6 +266,12 @@
                     scope.staff_code,
                     scope.staff_name,
                     scope.dept_name,
+                    coalesce(base_staff.annual_income, 0) as self_income,
+                    coalesce(spouse.spouse_income, 0) as spouse_income,
+                    case
+                        when base_staff.hire_date is null then null
+                        else greatest(1, ceiling(datediff(curdate(), base_staff.hire_date) / 365))
+                    end as employment_years,
                     coalesce(base_staff.annual_income, 0) + coalesce(spouse.spouse_income, 0) as total_income,
                     coalesce((
                         select count(1)
@@ -294,15 +326,7 @@
                         from ccdi_debts_info debt
                         where debt.person_id = scope.staff_id_card
                            or (spouse.spouse_id_card is not null and debt.person_id = spouse.spouse_id_card)
-                    ), 0) as total_debt,
-                    coalesce(base_staff.annual_income, 0)
-                        + coalesce(spouse.spouse_income, 0)
-                        + coalesce((
-                            select sum(coalesce(debt.principal_balance, 0))
-                            from ccdi_debts_info debt
-                            where debt.person_id = scope.staff_id_card
-                               or (spouse.spouse_id_card is not null and debt.person_id = spouse.spouse_id_card)
-                        ), 0) as comparison_amount
+                    ), 0) as total_debt
                 from (
                     <include refid="projectEmployeeScopeSql"/>
                 ) scope
@@ -328,7 +352,9 @@
             aggregated.dept_name,
             aggregated.self_income as income_self_income,
             aggregated.spouse_income as income_spouse_income,
+            aggregated.employment_years as income_employment_years,
             aggregated.total_income as income_total_income,
+            aggregated.explainable_income as income_explainable_income,
             aggregated.missing_self_asset_info as asset_missing_self_asset_info,
             aggregated.self_total_asset as asset_self_total_asset,
             aggregated.spouse_total_asset as asset_spouse_total_asset,
@@ -342,36 +368,61 @@
             aggregated.staff_name as summary_staff_name,
             aggregated.dept_name as summary_dept_name,
             aggregated.total_income as summary_total_income,
+            aggregated.self_income as summary_self_income,
+            aggregated.spouse_income as summary_spouse_income,
+            aggregated.employment_years as summary_employment_years,
             aggregated.total_asset as summary_total_asset,
             aggregated.total_debt as summary_total_debt,
             aggregated.comparison_amount as summary_comparison_amount,
+            aggregated.explainable_income as summary_explainable_income,
+            aggregated.asset_income_ratio as summary_asset_income_ratio,
             case
-                when aggregated.missing_self_asset_info = 1 or aggregated.missing_self_debt_info = 1 then 'MISSING_INFO'
-                when comparison_amount &lt;= total_asset * 1.5 then 'NORMAL'
-                when comparison_amount &gt; total_asset * 1.5 and comparison_amount &lt;= total_asset * 3 then 'RISK'
-                when comparison_amount &gt; total_asset * 3 then 'HIGH'
+                when aggregated.missing_info = 1 then 'MISSING_INFO'
+                when aggregated.asset_income_ratio &lt;= 1.5 then 'NORMAL'
+                when aggregated.asset_income_ratio &gt; 1.5 and aggregated.asset_income_ratio &lt;= 3 then 'RISK'
+                when aggregated.asset_income_ratio &gt; 3 then 'HIGH'
                 else 'HIGH'
             end as summary_risk_level_code,
             case
-                when aggregated.missing_self_asset_info = 1 or aggregated.missing_self_debt_info = 1 then '缺少信息'
-                when comparison_amount &lt;= total_asset * 1.5 then '正常'
-                when comparison_amount &gt; total_asset * 1.5 and comparison_amount &lt;= total_asset * 3 then '存在风险'
-                when comparison_amount &gt; total_asset * 3 then '高风险'
-                else '高风险'
+                when aggregated.missing_info = 1 then '缺少信息'
+                when aggregated.asset_income_ratio &lt;= 1.5 then '正常'
+                when aggregated.asset_income_ratio &gt; 1.5 and aggregated.asset_income_ratio &lt;= 3 then '关注'
+                when aggregated.asset_income_ratio &gt; 3 then '高关注'
+                else '高关注'
             end as summary_risk_level_name
         from (
             select
                 source.*,
                 case
-                    when source.self_asset_record_count = 0
-                        or source.spouse_staff_asset_record_count = 0 then 1
+                    when source.self_income &lt;= 0
+                        or source.employment_years is null
+                        or source.total_asset &lt;= 0 then 1
                     else 0
                 end as missing_self_asset_info,
                 case
                     when source.self_debt_record_count = 0
                         or source.spouse_staff_debt_record_count = 0 then 1
                     else 0
-                end as missing_self_debt_info
+                end as missing_self_debt_info,
+                case
+                    when source.self_income &lt;= 0
+                        or source.employment_years is null
+                        or source.total_asset &lt;= 0 then 1
+                    else 0
+                end as missing_info,
+                source.self_income * source.employment_years
+                    + source.spouse_income
+                    + source.total_debt as explainable_income,
+                source.self_income * source.employment_years
+                    + source.spouse_income
+                    + source.total_debt as comparison_amount,
+                case
+                    when source.self_income &lt;= 0
+                        or source.employment_years is null
+                        or source.total_asset &lt;= 0
+                        or (source.self_income * source.employment_years + source.spouse_income + source.total_debt) &lt;= 0 then null
+                    else source.total_asset / (source.self_income * source.employment_years + source.spouse_income + source.total_debt)
+                end as asset_income_ratio
             from (
                 select
                     #{projectId} as project_id,
@@ -383,6 +434,10 @@
                     spouse.spouse_is_staff,
                     coalesce(base_staff.annual_income, 0) as self_income,
                     coalesce(spouse.spouse_income, 0) as spouse_income,
+                    case
+                        when base_staff.hire_date is null then null
+                        else greatest(1, ceiling(datediff(curdate(), base_staff.hire_date) / 365))
+                    end as employment_years,
                     coalesce(base_staff.annual_income, 0) + coalesce(spouse.spouse_income, 0) as total_income,
                     coalesce((
                         select count(1)
@@ -471,15 +526,7 @@
                         from ccdi_debts_info debt
                         where debt.person_id = scope.staff_id_card
                            or (spouse.spouse_id_card is not null and debt.person_id = spouse.spouse_id_card)
-                    ), 0) as total_debt,
-                    coalesce(base_staff.annual_income, 0)
-                        + coalesce(spouse.spouse_income, 0)
-                        + coalesce((
-                            select sum(coalesce(debt.principal_balance, 0))
-                            from ccdi_debts_info debt
-                            where debt.person_id = scope.staff_id_card
-                               or (spouse.spouse_id_card is not null and debt.person_id = spouse.spouse_id_card)
-                        ), 0) as comparison_amount
+                    ), 0) as total_debt
                 from (
                     <include refid="projectEmployeeScopeSql"/>
                 ) scope

docs/plans/backend/2026-07-16-special-check-asset-income-caliber-backend-implementation.md

@@ -0,0 +1,39 @@
+# 专项排查资产收入匹配口径后端实施计划
+
+## 保存路径确认
+
+本文档保存于 `docs/plans/backend/`，用于记录专项排查后端口径调整计划。
+
+## 背景
+
+专项排查家庭资产负债原逻辑将无负债记录判为缺少信息，且使用收入、负债、资产之间的旧比较方式，无法满足“无负债仍需输出资产收入匹配判断”的业务口径。
+
+## 实施范围
+
+- 调整 `CcdiProjectSpecialCheckMapper.xml` 中家庭资产负债列表与详情查询。
+- 保留家庭总年收入、家庭总资产、家庭总负债等原字段。
+- 新增本人年收入、配偶年收入、本人入职年限、可解释收入、资产收入倍数等返回字段。
+- 风险等级统一为 `高关注`、`关注`、`正常`、`缺少信息`。
+
+## 计算口径
+
+- 本人年收入取 `ccdi_base_staff.annual_income`。
+- 本人入职年限由 `ccdi_base_staff.hire_date` 按当前日期折算，不足 1 年按 1 年。
+- 配偶年收入取配偶员工年收入或亲属关系年收入。
+- 家庭总资产取本人及配偶 `ccdi_asset_info.current_value` 合计。
+- 家庭总负债取本人及配偶 `ccdi_debts_info.principal_balance` 合计，无记录按 0。
+- 可解释收入 = 本人年收入 × 本人入职年限 + 配偶年收入 + 家庭总负债。
+- 资产收入倍数 = 家庭总资产 / 可解释收入。
+
+## 风险规则
+
+- 缺少信息：本人年收入为空或小于等于 0、入职时间为空、家庭总资产为空或小于等于 0。
+- 正常：资产收入倍数小于等于 1.5。
+- 关注：资产收入倍数大于 1.5 且小于等于 3。
+- 高关注：资产收入倍数大于 3。
+
+## 验证计划
+
+- 执行后端编译或针对 `ccdi-project` 模块的编译检查。
+- 检查 MyBatis XML 中新增字段映射与 SQL 别名一致。
+- 对典型数据进行公式复核：年收入 20 万、入职 10 年、资产 586 万、负债 0 时应为关注。

docs/plans/frontend/2026-07-16-special-check-asset-income-caliber-frontend-implementation.md

@@ -0,0 +1,42 @@
+# 专项排查资产收入匹配口径前端实施计划
+
+## 保存路径确认
+
+本文档保存于 `docs/plans/frontend/`，用于记录专项排查前端展示调整计划。
+
+## 背景
+
+专项排查家庭资产负债详情需要展示新的资产收入匹配结论，并将家庭总年收入改为万元展示，便于业务人员阅读。
+
+## 实施范围
+
+- 调整 `FamilyAssetLiabilitySection.vue` 列表中的家庭总年收入展示为万元。
+- 调整 `FamilyAssetLiabilityDetail.vue` 总收入、本人收入、配偶收入展示为万元。
+- 将详查结果结论改为分行展示。
+- 结论显示风险等级、家庭总资产、可解释收入公式和资产收入倍数。
+
+## 展示口径
+
+详查结果结论示例：
+
+```text
+关注
+
+家庭总资产：586.00 万元
+可解释收入：本人年收入 20.00 万元 × 入职年限 10 年 + 配偶年收入 0.00 万元 + 家庭总负债 0.00 万元 = 200.00 万元
+资产收入倍数：2.93
+```
+
+缺少信息时仅显示：
+
+```text
+缺少资产，暂无法判断。
+```
+
+缺少项会按实际情况展示为收入、资产或入职时间；多项同时缺失时展示“关键信息不完整，暂无法判断。”。
+
+## 验证计划
+
+- 执行前端构建或静态编译检查。
+- 页面验证专项排查列表家庭总年收入为万元。
+- 页面验证详查结果按多行展示，且长公式不溢出容器。

docs/reports/implementation/2026-07-16-special-check-asset-income-caliber.md

@@ -0,0 +1,32 @@
+# 专项排查资产收入匹配口径实施记录
+
+## 保存路径确认
+
+本文档保存于 `docs/reports/implementation/`，用于记录本次专项排查口径调整的实施内容、影响范围与验证情况。
+
+## 修改内容
+
+- 后端专项排查家庭资产负债查询新增本人年收入、配偶年收入、入职年限、可解释收入、资产收入倍数。
+- 后端风险结论改为 `高关注`、`关注`、`正常`、`缺少信息`。
+- 无负债记录不再阻断结论判断，负债金额按 0 纳入可解释收入。
+- 前端专项排查列表中家庭总年收入改为万元展示。
+- 前端详查结果改为分行展示家庭总资产、可解释收入公式与资产收入倍数。
+- 缺少信息结论按实际缺项展示收入、资产或入职时间，多项缺失时展示关键信息不完整。
+- 隐藏家庭资产负债表格内置展开箭头，保留“查看详情”按钮作为展开入口，避免展开箭头挤在序号列前导致显示异常。
+
+## 影响范围
+
+- `ccdi-project` 专项排查家庭资产负债接口。
+- `ruoyi-ui` 项目详情专项排查家庭资产负债列表与展开详情。
+- 不涉及员工信息维护、资产导入、征信负债导入和数据库结构变更。
+
+## 验证情况
+
+- 已执行 `mvn -pl ccdi-project -am compile -DskipTests`，编译通过。执行过程中 Maven 提示 `ccdi-info-collection` 中存在既有重复依赖声明警告，本次未调整该无关问题。
+- 已执行前端 Node 环境确认。`.nvmrc` 指向 `14.21.3`，但本机 PowerShell 环境下 `nvm use` 未能直接切换该版本；按仓库约定改用已验证可用的 `Node v22.22.3`、`npm 10.9.8`。
+- 已执行 `npm run build:prod`，生产构建通过。构建输出存在既有资源体积警告，本次未调整该无关问题。
+- 已重新完整打包并启动真实后端 `ruoyi-admin.jar`，确认 62318 端口由本仓库 Java 进程监听，日志出现 `Started RuoYiApplication`。
+- 已在真实页面验证项目 42：员工“模型二测试员工”有收入、有入职时间、有资产、无负债，列表家庭总年收入展示为 `12.35 万元`，风险情况为 `正常`；详查结果展示 `本人年收入 12.35 万元 × 入职年限 7 年 + 配偶年收入 0.00 万元 + 家庭总负债 0.00 万元 = 86.42 万元`。
+- 已在真实页面验证项目 44：同一项目内两名员工均可按新口径展示，列表家庭总年收入分别展示为 `24.35 万元`、`12.35 万元`，风险情况为 `正常`。
+- 已在真实页面验证项目 90629002：员工有收入和入职时间但无资产，列表风险情况为 `缺少信息`，详查结果显示 `缺少资产，暂无法判断。`
+- 已在真实页面验证家庭资产负债表格展开箭头隐藏生效，序号列前不再显示异常符号；继续通过“查看详情”展开明细。

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

@@ -4,16 +4,16 @@
       <section class="detail-block">
         <div class="block-header section-header">
           <div class="block-title">总收入</div>
-          <div class="section-summary-value">{{ formatAmount(totalIncome) }}</div>
+          <div class="section-summary-value">{{ formatWanAmount(totalIncome) }}</div>
         </div>
         <div class="detail-metric-list">
           <div class="detail-metric-item">
             <span class="metric-label">本人收入</span>
-            <span class="metric-value">{{ formatAmount(incomeDetail.selfIncome) }}</span>
+            <span class="metric-value">{{ formatWanAmount(incomeDetail.selfIncome) }}</span>
           </div>
           <div class="detail-metric-item">
             <span class="metric-label">配偶收入</span>
-            <span class="metric-value">{{ formatAmount(incomeDetail.spouseIncome) }}</span>
+            <span class="metric-value">{{ formatWanAmount(incomeDetail.spouseIncome) }}</span>
           </div>
         </div>
       </section>
@@ -69,7 +69,7 @@
             <span class="metric-card-value">{{ assetDebtRatio }}</span>
           </div>
           <div class="metric-card">
-            <span class="metric-card-label">资产/收入比</span>
+            <span class="metric-card-label">资产收入倍数</span>
             <span class="metric-card-value">{{ assetIncomeRatio }}</span>
           </div>
           <div class="metric-card">
@@ -86,7 +86,9 @@
         </div>
         <div class="result-card" :class="[`result-card--${riskResult.type}`]">
           <div class="result-card-label">结论</div>
-          <div class="result-card-value">{{ riskResult.text }}</div>
+          <div class="result-card-value">
+            <div v-for="line in riskResult.lines" :key="line" class="result-card-line">{{ line }}</div>
+          </div>
         </div>
       </section>
     </div>
@@ -115,7 +117,9 @@ export default {
         : {
             selfIncome: 0,
             spouseIncome: 0,
+            employmentYears: null,
             totalIncome: 0,
+            explainableIncome: 0,
           };
     },
     summary() {
@@ -160,6 +164,15 @@ export default {
     totalDebt() {
       return this.resolveAmount(this.summary.totalDebt, this.debtDetail.totalDebt);
     },
+    employmentYears() {
+      const target = this.summary.employmentYears !== undefined && this.summary.employmentYears !== null
+        ? this.summary.employmentYears
+        : this.incomeDetail.employmentYears;
+      return target === undefined || target === null || target === "" ? null : Number(target);
+    },
+    explainableIncome() {
+      return this.resolveAmount(this.summary.explainableIncome, this.incomeDetail.explainableIncome);
+    },
     assetItems() {
       return Array.isArray(this.assetDetail.items) ? this.assetDetail.items : [];
     },
@@ -184,12 +197,10 @@ export default {
         isPercent: true,
       });
     },
-    // 资产/收入比 = totalAsset / totalIncome
+    // 资产收入倍数 = totalAsset / explainableIncome
     assetIncomeRatio() {
-      return this.formatMetricValue(this.totalAsset / this.totalIncome, {
-        denominator: this.totalIncome,
-        suffix: "倍",
-      });
+      const ratio = this.resolveRatio(this.summary.assetIncomeRatio, this.totalAsset, this.explainableIncome);
+      return this.formatRatio(ratio);
     },
     // 负债/收入比 = totalDebt / totalIncome
     debtIncomeRatio() {
@@ -202,22 +213,22 @@ export default {
       const riskResultMap = {
         NORMAL: {
           name: this.summary.riskLevelName || "正常",
-          text: "结构基本合理",
+          lines: this.buildResultLines(),
           type: "success",
         },
         RISK: {
-          name: this.summary.riskLevelName || "存在风险",
-          text: "负债与收入压力偏高",
+          name: this.summary.riskLevelName || "关注",
+          lines: this.buildResultLines(),
           type: "warning",
         },
         HIGH: {
-          name: this.summary.riskLevelName || "高风险",
-          text: "资产负债结构明显异常",
+          name: this.summary.riskLevelName || "高关注",
+          lines: this.buildResultLines(),
           type: "danger",
         },
         MISSING_INFO: {
           name: this.summary.riskLevelName || "缺少信息",
-          text: "当前信息不完整",
+          lines: [this.buildMissingInfoLine()],
           type: "info",
         },
       };
@@ -246,6 +257,46 @@ export default {
         maximumFractionDigits: 2,
       })} 万元`;
     },
+    buildResultLines() {
+      return [
+        `家庭总资产：${this.formatWanAmount(this.totalAsset)}`,
+        `可解释收入：本人年收入 ${this.formatWanAmount(this.incomeDetail.selfIncome)} × 入职年限 ${this.employmentYears || "-"} 年 + 配偶年收入 ${this.formatWanAmount(this.incomeDetail.spouseIncome)} + 家庭总负债 ${this.formatWanAmount(this.totalDebt)} = ${this.formatWanAmount(this.explainableIncome)}`,
+        `资产收入倍数：${this.formatRatio(this.resolveRatio(this.summary.assetIncomeRatio, this.totalAsset, this.explainableIncome))}`,
+      ];
+    },
+    buildMissingInfoLine() {
+      const missing = [];
+      if (this.resolveAmount(this.incomeDetail.selfIncome) <= 0) {
+        missing.push("收入");
+      }
+      if (this.resolveAmount(this.totalAsset) <= 0) {
+        missing.push("资产");
+      }
+      if (!this.employmentYears) {
+        missing.push("入职时间");
+      }
+      return missing.length === 1
+        ? `缺少${missing[0]}，暂无法判断。`
+        : "关键信息不完整，暂无法判断。";
+    },
+    resolveRatio(preferred, numerator, denominator) {
+      if (preferred !== undefined && preferred !== null && preferred !== "") {
+        const ratio = Number(preferred);
+        return Number.isFinite(ratio) ? ratio : null;
+      }
+      const divisor = Number(denominator || 0);
+      if (!divisor) {
+        return null;
+      }
+      const ratio = Number(numerator || 0) / divisor;
+      return Number.isFinite(ratio) ? ratio : null;
+    },
+    formatRatio(value) {
+      if (value === null || value === undefined || !Number.isFinite(Number(value))) {
+        return "-";
+      }
+      return Number(value).toFixed(2);
+    },
     buildAmountGroups(items, amountField, resolveLabel, totalAmount) {
       const groupMap = items.reduce((result, item, index) => {
         const label = resolveLabel(item);
@@ -467,6 +518,11 @@ export default {
   color: #111827;
 }
 
+.result-card-line {
+  line-height: 1.7;
+  word-break: break-word;
+}
+
 .empty-hint {
   font-size: 13px;
   color: #94a3b8;

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

@@ -19,7 +19,7 @@
         <template slot="empty">
           <el-empty :image-size="80" description="暂无员工家庭资产负债核查数据" />
         </template>
-        <el-table-column type="expand" width="1">
+        <el-table-column type="expand" width="1" class-name="family-expand-column">
           <template slot-scope="scope">
             <div class="family-detail-wrapper">
               <div class="family-detail-toolbar">
@@ -47,7 +47,7 @@
         <el-table-column prop="deptName" label="所属部门" min-width="140" />
         <el-table-column label="家庭总年收入" min-width="140">
           <template slot-scope="scope">
-            <span>{{ formatAmount(scope.row.totalIncome) }}</span>
+            <span>{{ formatWanAmount(scope.row.totalIncome) }}</span>
           </template>
         </el-table-column>
         <el-table-column label="家庭总负债" min-width="140">
@@ -201,7 +201,7 @@ export default {
       }
       const detail = this.detailCache[row.staffIdCard] || {};
       const summary = detail.summary || {};
-      const evidenceSummary = `${row.staffName}家庭资产负债核查：家庭总年收入${this.formatAmount(row.totalIncome)}，家庭总负债${this.formatAmount(row.totalDebt)}，家庭总资产${this.formatWanAmount(row.totalAsset)}，风险情况${row.riskLevelName || "-" }。`;
+      const evidenceSummary = `${row.staffName}家庭资产负债核查：家庭总年收入${this.formatWanAmount(row.totalIncome)}，家庭总负债${this.formatAmount(row.totalDebt)}，家庭总资产${this.formatWanAmount(row.totalAsset)}，风险情况${row.riskLevelName || "-" }。`;
       this.$emit("evidence-confirm", {
         evidenceType: "ASSET",
         relatedPersonName: row.staffName || "关联人员",
@@ -291,4 +291,9 @@ export default {
   background: #f8fafc;
   color: #64748b;
 }
+
+::v-deep .family-expand-column .cell,
+::v-deep .family-expand-column .el-table__expand-icon {
+  display: none;
+}
 </style>