diff --git a/doc/implementation-report-2026-04-11-personal-final-calculate-rate-display.md b/doc/implementation-report-2026-04-11-personal-final-calculate-rate-display.md
new file mode 100644
index 0000000..a01ceb8
--- /dev/null
+++ b/doc/implementation-report-2026-04-11-personal-final-calculate-rate-display.md
@@ -0,0 +1,19 @@
+# 个人流程最终测算利率展示实施记录
+
+## 修改时间
+- 2026-04-11
+
+## 修改内容
+- 调整流程列表后端查询：个人客户列表“测算利率”改为读取 `model_retail_output_fields.final_calculate_rate`
+- 调整个人流程详情左侧展示：标签改为“最终测算利率”，显示字段改为 `retailOutput.finalCalculateRate`
+- 调整个人流程详情后端组装：`loanPricingWorkflow.loanRate` 改为取个人模型输出的 `finalCalculateRate`
+
+## 影响范围
+- 个人流程列表
+- 个人流程详情左侧关键信息
+- 企业流程列表与详情保持现状，不做改动
+
+## 验证计划
+- 后端单元测试验证个人详情取 `finalCalculateRate`
+- 后端静态测试验证列表 SQL 的个人分支查询 `mr.final_calculate_rate`
+- 前端静态测试验证个人详情展示 `finalCalculateRate`
diff --git a/doc/implementation-report-2026-04-11-workflow-detail-card-order.md b/doc/implementation-report-2026-04-11-workflow-detail-card-order.md
new file mode 100644
index 0000000..1a3e2bc
--- /dev/null
+++ b/doc/implementation-report-2026-04-11-workflow-detail-card-order.md
@@ -0,0 +1,17 @@
+# 流程详情卡片顺序调整实施记录
+
+## 修改时间
+- 2026-04-11
+
+## 修改内容
+- 调整个人流程详情页右侧卡片顺序，将模型输出卡片移动到流程详情卡片上方
+- 调整企业流程详情页右侧卡片顺序，将模型输出卡片移动到流程详情卡片上方
+- 新增前端静态校验，约束个人与企业详情组件的卡片顺序
+
+## 影响范围
+- 个人流程详情页面布局
+- 企业流程详情页面布局
+
+## 验证计划
+- 执行前端静态测试，确认卡片顺序断言通过
+- 启动前端页面并在浏览器中检查个人、企业详情页卡片顺序
diff --git a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImpl.java b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImpl.java
index 55b78e5..7c2f9a7 100644
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImpl.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImpl.java
@@ -172,7 +172,7 @@ public class LoanPricingWorkflowServiceImpl implements ILoanPricingWorkflowServi
                 if (Objects.nonNull(modelRetailOutputFields))
                 {
                     maskModelRetailOutputBasicInfo(modelRetailOutputFields);
-                    loanPricingWorkflow.setLoanRate(modelRetailOutputFields.getCalculateRate());
+                    loanPricingWorkflow.setLoanRate(modelRetailOutputFields.getFinalCalculateRate());
                 }
                 loanPricingWorkflowVO.setModelRetailOutputFields(modelRetailOutputFields);
             }
diff --git a/ruoyi-loan-pricing/src/main/resources/mapper/loanpricing/LoanPricingWorkflowMapper.xml b/ruoyi-loan-pricing/src/main/resources/mapper/loanpricing/LoanPricingWorkflowMapper.xml
index 21a1727..fac11dd 100644
--- a/ruoyi-loan-pricing/src/main/resources/mapper/loanpricing/LoanPricingWorkflowMapper.xml
+++ b/ruoyi-loan-pricing/src/main/resources/mapper/loanpricing/LoanPricingWorkflowMapper.xml
@@ -12,7 +12,7 @@
             lpw.guar_type AS guarType,
             lpw.apply_amt AS applyAmt,
             CASE
-                WHEN lpw.cust_type = '个人' THEN mr.calculate_rate
+                WHEN lpw.cust_type = '个人' THEN mr.final_calculate_rate
                 WHEN lpw.cust_type = '企业' THEN mc.calculate_rate
                 ELSE NULL
             END AS calculateRate,
diff --git a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/mapper/LoanPricingWorkflowMapperXmlTest.java b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/mapper/LoanPricingWorkflowMapperXmlTest.java
new file mode 100644
index 0000000..d63a746
--- /dev/null
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/mapper/LoanPricingWorkflowMapperXmlTest.java
@@ -0,0 +1,22 @@
+package com.ruoyi.loanpricing.mapper;
+
+import static org.junit.jupiter.api.Assertions.assertTrue;
+
+import java.io.IOException;
+import java.nio.charset.StandardCharsets;
+import org.junit.jupiter.api.Test;
+import org.springframework.core.io.ClassPathResource;
+import org.springframework.util.StreamUtils;
+
+class LoanPricingWorkflowMapperXmlTest
+{
+    @Test
+    void shouldUseRetailFinalCalculateRateInWorkflowListQuery() throws IOException
+    {
+        ClassPathResource resource = new ClassPathResource("mapper/loanpricing/LoanPricingWorkflowMapper.xml");
+        String xml = StreamUtils.copyToString(resource.getInputStream(), StandardCharsets.UTF_8);
+
+        assertTrue(xml.contains("WHEN lpw.cust_type = '个人' THEN mr.final_calculate_rate"));
+        assertTrue(xml.contains("WHEN lpw.cust_type = '企业' THEN mc.calculate_rate"));
+    }
+}
diff --git a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImplTest.java b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImplTest.java
index 96a90a9..542fade 100644
--- a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImplTest.java
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImplTest.java
@@ -134,7 +134,7 @@ class LoanPricingWorkflowServiceImplTest
     }
 
     @Test
-    void shouldUseRetailModelOutputCalculateRateForWorkflowDetail()
+    void shouldUseRetailModelOutputFinalCalculateRateForWorkflowDetail()
     {
         LoanPricingWorkflow workflow = new LoanPricingWorkflow();
         workflow.setSerialNum("P20260328001");
@@ -144,14 +144,16 @@ class LoanPricingWorkflowServiceImplTest
 
         ModelRetailOutputFields retailOutputFields = new ModelRetailOutputFields();
         retailOutputFields.setCalculateRate("6.15");
+        retailOutputFields.setFinalCalculateRate("6.05");
 
         when(loanPricingWorkflowMapper.selectOne(any())).thenReturn(workflow);
         when(modelRetailOutputFieldsMapper.selectById(11L)).thenReturn(retailOutputFields);
 
         LoanPricingWorkflowVO result = loanPricingWorkflowService.selectLoanPricingBySerialNum("P20260328001");
 
-        assertEquals("6.15", result.getLoanPricingWorkflow().getLoanRate());
+        assertEquals("6.05", result.getLoanPricingWorkflow().getLoanRate());
         assertEquals("6.15", result.getModelRetailOutputFields().getCalculateRate());
+        assertEquals("6.05", result.getModelRetailOutputFields().getFinalCalculateRate());
     }
 
     @Test
diff --git a/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue b/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue
index 9af1f30..fe17473 100644
--- a/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue
+++ b/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue
@@ -46,6 +46,13 @@
 
       <!-- 右侧面板 -->
       <div class="right-panel">
+        <!-- 模型输出卡片 -->
+        <ModelOutputDisplay
+          :cust-type="detailData.custType"
+          :retail-output="null"
+          :corp-output="corpOutput"
+        />
+
         <!-- 流程详情卡片 -->
         <el-card class="detail-card">
           <div slot="header" class="card-header">
@@ -88,13 +95,6 @@
           </div>
         </el-card>
 
-        <!-- 模型输出卡片 -->
-        <ModelOutputDisplay
-          :cust-type="detailData.custType"
-          :retail-output="null"
-          :corp-output="corpOutput"
-        />
-
         <!-- 议价池卡片 -->
         <BargainingPoolDisplay
           v-if="bargainingPool"
diff --git a/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue b/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue
index d2c3a43..d679f4c 100644
--- a/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue
+++ b/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue
@@ -19,7 +19,7 @@
             <el-descriptions-item label="浮动BP">
               <span class="total-bp-value">{{ getTotalBp() }}</span>
             </el-descriptions-item>
-            <el-descriptions-item label="测算利率">
+            <el-descriptions-item label="最终测算利率">
               <span class="calculate-rate">{{ getCalculateRate() }}</span> %
             </el-descriptions-item>
             <el-descriptions-item label="执行利率">
@@ -46,6 +46,13 @@
 
       <!-- 右侧面板 -->
       <div class="right-panel">
+        <!-- 模型输出卡片 -->
+        <ModelOutputDisplay
+          :cust-type="detailData.custType"
+          :retail-output="retailOutput"
+          :corp-output="null"
+        />
+
         <!-- 流程详情卡片 -->
         <el-card class="detail-card">
           <div slot="header" class="card-header">
@@ -88,13 +95,6 @@
           </div>
         </el-card>
 
-        <!-- 模型输出卡片 -->
-        <ModelOutputDisplay
-          :cust-type="detailData.custType"
-          :retail-output="retailOutput"
-          :corp-output="null"
-        />
-
         <!-- 议价池卡片 -->
         <BargainingPoolDisplay
           v-if="bargainingPool"
@@ -168,9 +168,9 @@ export default {
     getTotalBp() {
       return this.retailOutput?.totalBp || '-'
     },
-    /** 获取测算利率 */
+    /** 获取最终测算利率 */
     getCalculateRate() {
-      return this.retailOutput?.calculateRate || '-'
+      return this.retailOutput?.finalCalculateRate || '-'
     },
     /** 设定执行利率 */
     handleSetExecuteRate() {
diff --git a/ruoyi-ui/tests/personal-final-calculate-rate-display.test.js b/ruoyi-ui/tests/personal-final-calculate-rate-display.test.js
new file mode 100644
index 0000000..e1791e5
--- /dev/null
+++ b/ruoyi-ui/tests/personal-final-calculate-rate-display.test.js
@@ -0,0 +1,21 @@
+const fs = require('fs')
+const path = require('path')
+const assert = require('assert')
+
+function read(relativePath) {
+  return fs.readFileSync(path.join(__dirname, '..', relativePath), 'utf8')
+}
+
+const personalDetail = read('src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue')
+
+assert(
+  /label="最终测算利率"/.test(personalDetail),
+  '个人流程详情左侧缺少“最终测算利率”标签'
+)
+
+assert(
+  /return this\.retailOutput\?\.finalCalculateRate \|\| '-'/.test(personalDetail),
+  '个人流程详情没有使用 finalCalculateRate 展示最终测算利率'
+)
+
+console.log('personal final calculate rate display assertions passed')
diff --git a/ruoyi-ui/tests/workflow-detail-card-order.test.js b/ruoyi-ui/tests/workflow-detail-card-order.test.js
new file mode 100644
index 0000000..442db7a
--- /dev/null
+++ b/ruoyi-ui/tests/workflow-detail-card-order.test.js
@@ -0,0 +1,27 @@
+const fs = require('fs')
+const path = require('path')
+const assert = require('assert')
+
+function read(relativePath) {
+  return fs.readFileSync(path.join(__dirname, '..', relativePath), 'utf8')
+}
+
+function assertModelOutputBeforeDetailCard(source, label) {
+  const modelOutputIndex = source.indexOf('<ModelOutputDisplay')
+  const detailCardIndex = source.indexOf('<el-card class="detail-card">')
+
+  assert(modelOutputIndex !== -1, `${label} 缺少模型输出卡片`)
+  assert(detailCardIndex !== -1, `${label} 缺少流程详情卡片`)
+  assert(
+    modelOutputIndex < detailCardIndex,
+    `${label} 的模型输出卡片应位于流程详情卡片上方`
+  )
+}
+
+const personalDetail = read('src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue')
+const corporateDetail = read('src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue')
+
+assertModelOutputBeforeDetailCard(personalDetail, '个人流程详情')
+assertModelOutputBeforeDetailCard(corporateDetail, '企业流程详情')
+
+console.log('workflow detail card order assertions passed')