diff --git a/.DS_Store b/.DS_Store
index bccf925..43b5d80 100644
Binary files a/.DS_Store and b/.DS_Store differ
diff --git a/.playwright-cli/page-2026-04-09T09-31-22-009Z.yml b/.playwright-cli/page-2026-04-09T09-31-22-009Z.yml
new file mode 100644
index 0000000..2db2870
--- /dev/null
+++ b/.playwright-cli/page-2026-04-09T09-31-22-009Z.yml
@@ -0,0 +1,6 @@
+- generic [ref=e2]:
+  - heading "Example Domain" [level=1] [ref=e3]
+  - paragraph [ref=e4]: This domain is for use in documentation examples without needing permission. Avoid use in operations.
+  - paragraph [ref=e5]:
+    - link "Learn more" [ref=e6] [cursor=pointer]:
+      - /url: https://iana.org/domains/example
\ No newline at end of file
diff --git a/.playwright-cli/page-2026-04-09T09-39-00-226Z.yml b/.playwright-cli/page-2026-04-09T09-39-00-226Z.yml
new file mode 100644
index 0000000..2db2870
--- /dev/null
+++ b/.playwright-cli/page-2026-04-09T09-39-00-226Z.yml
@@ -0,0 +1,6 @@
+- generic [ref=e2]:
+  - heading "Example Domain" [level=1] [ref=e3]
+  - paragraph [ref=e4]: This domain is for use in documentation examples without needing permission. Avoid use in operations.
+  - paragraph [ref=e5]:
+    - link "Learn more" [ref=e6] [cursor=pointer]:
+      - /url: https://iana.org/domains/example
\ No newline at end of file
diff --git a/.playwright-cli/page-2026-04-10T06-51-19-033Z.yml b/.playwright-cli/page-2026-04-10T06-51-19-033Z.yml
new file mode 100644
index 0000000..711875f
--- /dev/null
+++ b/.playwright-cli/page-2026-04-10T06-51-19-033Z.yml
@@ -0,0 +1,18 @@
+- generic [ref=e2]:
+  - generic [ref=e3]:
+    - generic [ref=e4]:
+      - heading "上虞利率定价系统" [level=3] [ref=e5]
+      - generic [ref=e8]:
+        - textbox "账号" [ref=e9]
+        - img [ref=e11]
+      - generic [ref=e15]:
+        - textbox "密码" [ref=e16]
+        - img [ref=e18]
+      - generic [ref=e20] [cursor=pointer]:
+        - generic [ref=e21]:
+          - checkbox "记住密码"
+        - generic [ref=e23]: 记住密码
+      - button "登 录" [ref=e26] [cursor=pointer]:
+        - generic [ref=e27]: 登 录
+    - generic [ref=e28]: Copyright © 2018-2026 RuoYi. All Rights Reserved.
+  - text: 
\ No newline at end of file
diff --git a/.playwright-cli/page-2026-04-10T06-52-06-995Z.yml b/.playwright-cli/page-2026-04-10T06-52-06-995Z.yml
new file mode 100644
index 0000000..0cab900
--- /dev/null
+++ b/.playwright-cli/page-2026-04-10T06-52-06-995Z.yml
@@ -0,0 +1,22 @@
+- generic [active] [ref=e1]:
+  - generic [ref=e2]:
+    - generic [ref=e3]:
+      - generic [ref=e4]:
+        - heading "上虞利率定价系统" [level=3] [ref=e5]
+        - generic [ref=e8]:
+          - textbox "账号" [ref=e9]: admin
+          - img [ref=e11]
+        - generic [ref=e15]:
+          - textbox "密码" [ref=e16]: "123456"
+          - img [ref=e18]
+        - generic [ref=e20] [cursor=pointer]:
+          - generic [ref=e21]:
+            - checkbox "记住密码"
+          - generic [ref=e23]: 记住密码
+        - button "登 录" [ref=e26] [cursor=pointer]:
+          - generic [ref=e27]: 登 录
+      - generic [ref=e28]: Copyright © 2018-2026 RuoYi. All Rights Reserved.
+    - text: 
+  - alert [ref=e29]:
+    - generic [ref=e30]: 
+    - paragraph [ref=e31]: 用户不存在/密码错误
\ No newline at end of file
diff --git a/.playwright-cli/page-2026-04-10T06-54-38-568Z.yml b/.playwright-cli/page-2026-04-10T06-54-38-568Z.yml
new file mode 100644
index 0000000..711875f
--- /dev/null
+++ b/.playwright-cli/page-2026-04-10T06-54-38-568Z.yml
@@ -0,0 +1,18 @@
+- generic [ref=e2]:
+  - generic [ref=e3]:
+    - generic [ref=e4]:
+      - heading "上虞利率定价系统" [level=3] [ref=e5]
+      - generic [ref=e8]:
+        - textbox "账号" [ref=e9]
+        - img [ref=e11]
+      - generic [ref=e15]:
+        - textbox "密码" [ref=e16]
+        - img [ref=e18]
+      - generic [ref=e20] [cursor=pointer]:
+        - generic [ref=e21]:
+          - checkbox "记住密码"
+        - generic [ref=e23]: 记住密码
+      - button "登 录" [ref=e26] [cursor=pointer]:
+        - generic [ref=e27]: 登 录
+    - generic [ref=e28]: Copyright © 2018-2026 RuoYi. All Rights Reserved.
+  - text: 
\ No newline at end of file
diff --git a/.playwright-cli/page-2026-04-10T06-55-43-705Z.yml b/.playwright-cli/page-2026-04-10T06-55-43-705Z.yml
new file mode 100644
index 0000000..711875f
--- /dev/null
+++ b/.playwright-cli/page-2026-04-10T06-55-43-705Z.yml
@@ -0,0 +1,18 @@
+- generic [ref=e2]:
+  - generic [ref=e3]:
+    - generic [ref=e4]:
+      - heading "上虞利率定价系统" [level=3] [ref=e5]
+      - generic [ref=e8]:
+        - textbox "账号" [ref=e9]
+        - img [ref=e11]
+      - generic [ref=e15]:
+        - textbox "密码" [ref=e16]
+        - img [ref=e18]
+      - generic [ref=e20] [cursor=pointer]:
+        - generic [ref=e21]:
+          - checkbox "记住密码"
+        - generic [ref=e23]: 记住密码
+      - button "登 录" [ref=e26] [cursor=pointer]:
+        - generic [ref=e27]: 登 录
+    - generic [ref=e28]: Copyright © 2018-2026 RuoYi. All Rights Reserved.
+  - text: 
\ No newline at end of file
diff --git a/bin/.DS_Store b/bin/.DS_Store
index c597d9d..f0c5f42 100644
Binary files a/bin/.DS_Store and b/bin/.DS_Store differ
diff --git a/bin/prod/restart_java.sh b/bin/prod/restart_java.sh
index cc4fd9e..d5cd3c1 100755
--- a/bin/prod/restart_java.sh
+++ b/bin/prod/restart_java.sh
@@ -71,7 +71,16 @@ collect_backend_pids() {
         fi
     fi
 
-    marker_pids=$(pgrep -f "$BACKEND_MARKER" 2>/dev/null || true)
+    marker_pids=$(ps -ef | awk -v marker="$BACKEND_MARKER" -v jar="$BACKEND_JAR" '
+        index($0, "<defunct>") == 0 && index($0, marker) > 0 {
+            for (i = 1; i < NF; i++) {
+                if ($i == "-jar" && $(i + 1) == jar) {
+                    print $2
+                    break
+                }
+            }
+        }
+    ' | xargs 2>/dev/null || true)
     if [ -n "${marker_pids:-}" ]; then
         for pid in $marker_pids; do
             if is_managed_backend_pid "$pid"; then
diff --git a/bin/prod/restart_java_test.sh b/bin/prod/restart_java_test.sh
index 4e1a119..7ac4fd5 100644
--- a/bin/prod/restart_java_test.sh
+++ b/bin/prod/restart_java_test.sh
@@ -44,8 +44,8 @@ EOF
 prepare_script_env() {
     work_dir="$1"
 
-    mkdir -p "$work_dir/env/java/bin" "$work_dir/loan-pricing/backend" "$work_dir/loan-pricing/logs" "$work_dir/loan-pricing/run"
-    create_fake_java "$work_dir/env/java/bin/java"
+    mkdir -p "$work_dir/env/jdk/bin" "$work_dir/loan-pricing/backend" "$work_dir/loan-pricing/logs" "$work_dir/loan-pricing/run"
+    create_fake_java "$work_dir/env/jdk/bin/java"
     printf 'fake-jar\n' > "$work_dir/loan-pricing/backend/ruoyi-admin.jar"
     cp "$SCRIPT_UNDER_TEST" "$work_dir/restart_java.sh"
     perl -0pi -e "s#WEBAPP_ROOT=\"/home/webapp\"#WEBAPP_ROOT=\"$work_dir\"#" "$work_dir/restart_java.sh"
@@ -67,8 +67,10 @@ cleanup_work_dir() {
 }
 
 test_script_contract() {
-    assert_grep 'JAVA_HOME="\$ENV_ROOT/java"' "$SCRIPT_UNDER_TEST"
+    assert_grep 'JAVA_HOME="\$ENV_ROOT/jdk"' "$SCRIPT_UNDER_TEST"
     assert_grep '--spring\.profiles\.active=pro' "$SCRIPT_UNDER_TEST"
+    assert_grep 'ps -ef' "$SCRIPT_UNDER_TEST"
+    assert_not_grep 'pgrep' "$SCRIPT_UNDER_TEST"
     assert_not_grep 'mvn' "$SCRIPT_UNDER_TEST"
     assert_not_grep 'require_root' "$SCRIPT_UNDER_TEST"
     assert_not_grep '\b(ss|lsof|netstat)\b' "$SCRIPT_UNDER_TEST"
diff --git a/bin/restart_java_backend.sh b/bin/restart_java_backend.sh
index f45ef14..3bcba2c 100755
--- a/bin/restart_java_backend.sh
+++ b/bin/restart_java_backend.sh
@@ -83,7 +83,16 @@ collect_pids() {
         fi
     fi
 
-    marker_pids=$(pgrep -f "$APP_MARKER" 2>/dev/null || true)
+    marker_pids=$(ps -ef | awk -v marker="$APP_MARKER" -v jar="$JAR_NAME" '
+        index($0, "<defunct>") == 0 && index($0, marker) > 0 {
+            for (i = 1; i < NF; i++) {
+                if ($i == "-jar" && $(i + 1) == jar) {
+                    print $2
+                    break
+                }
+            }
+        }
+    ' | xargs 2>/dev/null || true)
     if [ -n "${marker_pids:-}" ]; then
         for pid in $marker_pids; do
             if is_managed_backend_pid "$pid"; then
@@ -225,7 +234,6 @@ restart_action() {
 main() {
     ensure_command mvn
     ensure_command lsof
-    ensure_command pgrep
     ensure_command ps
     ensure_command tail
 
diff --git a/bin/restart_java_backend_test.sh b/bin/restart_java_backend_test.sh
new file mode 100644
index 0000000..eb13eac
--- /dev/null
+++ b/bin/restart_java_backend_test.sh
@@ -0,0 +1,42 @@
+#!/bin/sh
+
+set -eu
+
+ROOT_DIR=$(CDPATH= cd -- "$(dirname "$0")/.." && pwd)
+SCRIPT_UNDER_TEST="$ROOT_DIR/bin/restart_java_backend.sh"
+
+fail() {
+    printf 'FAIL: %s\n' "$1" >&2
+    exit 1
+}
+
+assert_grep() {
+    pattern="$1"
+    target="$2"
+    if ! grep -Eq -- "$pattern" "$target"; then
+        fail "expected pattern [$pattern] in $target"
+    fi
+}
+
+assert_not_grep() {
+    pattern="$1"
+    target="$2"
+    if grep -Eq -- "$pattern" "$target"; then
+        fail "did not expect pattern [$pattern] in $target"
+    fi
+}
+
+test_script_contract() {
+    assert_grep 'ps -ef' "$SCRIPT_UNDER_TEST"
+    assert_not_grep 'pgrep' "$SCRIPT_UNDER_TEST"
+    assert_grep 'APP_MARKER=' "$SCRIPT_UNDER_TEST"
+    assert_grep 'status_backend\(\)' "$SCRIPT_UNDER_TEST"
+}
+
+main() {
+    [ -f "$SCRIPT_UNDER_TEST" ] || fail "script under test not found: $SCRIPT_UNDER_TEST"
+    test_script_contract
+    printf 'PASS: restart_java_backend tests\n'
+}
+
+main "$@"
diff --git a/doc/2026-04-09-shangyu-retail-input-params-design.md b/doc/2026-04-09-shangyu-retail-input-params-design.md
index c92ec67..7ff3fc3 100644
--- a/doc/2026-04-09-shangyu-retail-input-params-design.md
+++ b/doc/2026-04-09-shangyu-retail-input-params-design.md
@@ -181,7 +181,7 @@
   - 下拉选项：`consumer`、`business`
 - `loanTerm`
   - 固定年限下拉
-  - 选项按 Excel 的 `1/2/3/4/5/6……` 组织
+  - 选项固定为 `1/2/3/4/5/6`
 
 同时修正：
 
@@ -307,12 +307,12 @@
   - 提交流程后详情页能回显 `loanPurpose`、`loanTerm`
 - 验证完成后停止本次启动的前后端进程
 
-## 9. 待确认项
+## 9. 已确认项
 
-- 当前代码中的 `orgCode` 默认值为 `892000`
-- `ModelInvokeDTO` 注释中写的是固定值 `931000`
-
-本次设计不擅自调整该默认值，保持现有运行逻辑，待业务另行确认后再处理。
+- `orgCode` 统一为 `892000`
+- `ModelInvokeDTO` 注释已统一为 `892000`
+- 数据库 `loan_pricing_workflow.org_code` 默认值已统一为 `892000`
+- 存量 `loan_pricing_workflow.org_code` 数据已通过迁移脚本统一为 `892000`
 
 ## 10. 非目标
 
diff --git a/doc/2026-04-09-shangyu-retail-input-params-frontend-plan.md b/doc/2026-04-09-shangyu-retail-input-params-frontend-plan.md
index 541abba..ab0377d 100644
--- a/doc/2026-04-09-shangyu-retail-input-params-frontend-plan.md
+++ b/doc/2026-04-09-shangyu-retail-input-params-frontend-plan.md
@@ -92,7 +92,7 @@ git commit -m "新增个人测算输入参数前端断言"
 ```vue
 <el-form-item label="借款期限(年)" prop="loanTerm">
   <el-select v-model="form.loanTerm" placeholder="请选择借款期限" style="width: 100%">
-    <el-option v-for="item in loanTermOptions" :key="item" :label="item" :value="item" />
+    <el-option v-for="item in ['1', '2', '3', '4', '5', '6']" :key="item" :label="item" :value="item" />
   </el-select>
 </el-form-item>
 ```
diff --git a/doc/api/loan-pricing-workflow-api.md b/doc/api/loan-pricing-workflow-api.md
index b437778..1cd38c7 100644
--- a/doc/api/loan-pricing-workflow-api.md
+++ b/doc/api/loan-pricing-workflow-api.md
@@ -32,10 +32,12 @@
 | idNum          | String | 否  | 证件号码                     |
 | guarType       | String | 是  | 担保方式,可选值: 信用/保证/抵押/质押    |
 | applyAmt       | String | 是  | 申请金额,单位: 元               |
-| bizProof       | String | 否  | 是否有经营佐证,值: true/false    |
-| loanLoop       | String | 否  | 循环功能,值: true/false       |
-| collType       | String | 否  | 抵质押类型,可选值: 一线/一类/二类      |
-| collThirdParty | String | 否  | 抵质押物是否三方所有,值: true/false |
+| loanPurpose    | String | 是  | 贷款用途,可选值: consumer/business |
+| loanTerm       | String | 是  | 借款期限(年),固定下拉选项按模型文档配置     |
+| bizProof       | String | 否  | 是否有经营佐证,值: 0/1           |
+| loanLoop       | String | 否  | 循环功能,值: 0/1              |
+| collType       | String | 否  | 抵质押类型,可选值: 一类/二类/三类       |
+| collThirdParty | String | 否  | 抵质押物是否三方所有,值: 0/1        |
 
 **请求示例:**
 
@@ -47,10 +49,12 @@
   "idNum": "110101199001011234",
   "guarType": "抵押",
   "applyAmt": "500000",
-  "bizProof": "true",
-  "loanLoop": "false",
+  "loanPurpose": "business",
+  "loanTerm": "3",
+  "bizProof": "1",
+  "loanLoop": "0",
   "collType": "一类",
-  "collThirdParty": "false"
+  "collThirdParty": "0"
 }
 ```
 
@@ -64,12 +68,14 @@
     "id": 1,
     "modelOutputId": 100,
     "serialNum": "20250119143025123",
-    "orgCode": "931000",
+    "orgCode": "892000",
     "runType": "1",
     "custIsn": "CUST001",
     "custType": "个人",
     "guarType": "抵押",
     "applyAmt": "500000",
+    "loanPurpose": "business",
+    "loanTerm": "3",
     "custName": "张三",
     "idType": "身份证",
     "createTime": "2025-01-19 14:30:25",
@@ -136,7 +142,7 @@
     "id": 2,
     "modelOutputId": 101,
     "serialNum": "20250119143125456",
-    "orgCode": "931000",
+    "orgCode": "892000",
     "runType": "1",
     "custIsn": "CORP001",
     "custType": "企业",
@@ -189,7 +195,7 @@ GET /loanPricing/workflow/list?pageNum=1&pageSize=10&custName=科技
       "id": 1,
       "modelOutputId": 100,
       "serialNum": "20250119143025123",
-      "orgCode": "931000",
+      "orgCode": "892000",
       "custIsn": "CUST001",
       "custType": "企业",
       "guarType": "抵押",
@@ -240,7 +246,7 @@ GET /loanPricing/workflow/20250119143025123
       "id": 1,
       "modelOutputId": 100,
       "serialNum": "20250119143025123",
-      "orgCode": "931000",
+      "orgCode": "892000",
       "runType": "1",
       "custIsn": "CUST001",
       "custType": "企业",
diff --git a/doc/implementation-report-2026-04-09-default-node25-for-playwright.md b/doc/implementation-report-2026-04-09-default-node25-for-playwright.md
new file mode 100644
index 0000000..cf2e4ee
--- /dev/null
+++ b/doc/implementation-report-2026-04-09-default-node25-for-playwright.md
@@ -0,0 +1,30 @@
+# 2026-04-09 默认切换 Node 25 以支持 Playwright 实施记录
+
+## 变更内容
+- 将 `nvm` 默认别名从 `14` 调整为 `25`
+- 清理了本次验证过程中残留的 Playwright 浏览器安装进程
+
+## 执行命令
+- `zsh -lic 'nvm alias default 25'`
+
+## 变更结果
+- 新开的交互式 `zsh` 默认 Node 版本变为 `v25.9.0`
+- 默认 npm/npx 版本变为 `11.12.1`
+
+## 验证结果
+- `zsh -lic 'node -v && npm -v && npx -v && nvm current && nvm alias default'`
+  - `node v25.9.0`
+  - `npm 11.12.1`
+  - `npx 11.12.1`
+  - `nvm current = v25.9.0`
+  - `default -> 25 (-> v25.9.0 *)`
+- `zsh -lic '... playwright_cli.sh --help'`
+  - Playwright CLI 帮助输出正常
+- `zsh -lic '... playwright_cli.sh --session verify-default-25 open https://example.com && snapshot && close && list'`
+  - 页面成功打开
+  - 页面标题为 `Example Domain`
+  - 快照成功输出
+  - 浏览器关闭后 `list` 返回 `(no browsers)`
+
+## 结论
+- 默认 shell 环境下已可直接使用 Playwright，无需再先手动执行 `nvm use 25`
diff --git a/doc/implementation-report-2026-04-09-install-node25-and-node14.md b/doc/implementation-report-2026-04-09-install-node25-and-node14.md
new file mode 100644
index 0000000..ac279e2
--- /dev/null
+++ b/doc/implementation-report-2026-04-09-install-node25-and-node14.md
@@ -0,0 +1,30 @@
+# 2026-04-09 安装 Node 25 与 Node 14 实施记录
+
+## 变更内容
+- 使用 `nvm` 安装 `node v25.9.0`
+- 使用 `nvm` 安装 `node v14.21.3`
+- 调整 `/Users/wkc/.npmrc`，删除与 `nvm` 冲突的 `prefix=~/.npm-global`
+- 保留 npm 镜像配置：`registry=https://registry.npmmirror.com`
+
+## 处理过程
+- `node 25` 通过 `nvm` 正常安装成功
+- `node 14` 在 Apple Silicon 原生环境下无法直接下载 `darwin-arm64` 安装包
+- 原生源码编译 `node 14` 失败，错误来自当前 macOS Command Line Tools/SDK 与旧版 `node 14` 源码不兼容
+- 改为通过 Rosetta 以 `x64` 方式安装 `node 14`，安装成功
+
+## 验证结果
+- `zsh -lic 'nvm use 25 && node -v && npm -v'` 验证结果：
+  - `node v25.9.0`
+  - `npm 11.12.1`
+- `zsh -lic 'nvm use 14 && node -v && npm -v'` 验证结果：
+  - `node v14.21.3`
+  - `npm 6.14.18`
+- `arch -x86_64 /bin/zsh -lic 'nvm use 14 && node -v && npm -v'` 验证结果：
+  - `node v14.21.3`
+  - `npm 6.14.18`
+- 新开的交互式 `zsh` 默认版本：
+  - `node v14.21.3`
+  - `npm 6.14.18`
+
+## 备注
+- `nvm` 当前默认别名已指向 `14`
diff --git a/doc/implementation-report-2026-04-09-node-uninstall-and-nvm-install.md b/doc/implementation-report-2026-04-09-node-uninstall-and-nvm-install.md
new file mode 100644
index 0000000..4a41c48
--- /dev/null
+++ b/doc/implementation-report-2026-04-09-node-uninstall-and-nvm-install.md
@@ -0,0 +1,25 @@
+# 2026-04-09 Node 卸载与 nvm 安装实施记录
+
+## 变更内容
+- 卸载了 Homebrew 安装的 `node 25.8.1_1`
+- 删除了本地目录 `/Users/wkc/.local/node-v14.21.3-darwin-x64`
+- 更新了 `/Users/wkc/.zshrc`
+- 安装了 `nvm 0.40.4`
+
+## shell 配置调整
+- 删除旧配置：`export PATH="/Users/wkc/.local/node-v14.21.3-darwin-x64/bin:$PATH"`
+- 新增 `nvm` 初始化配置：
+
+```sh
+export NVM_DIR="$HOME/.nvm"
+[ -s "/opt/homebrew/opt/nvm/nvm.sh" ] && \. "/opt/homebrew/opt/nvm/nvm.sh"
+[ -s "/opt/homebrew/opt/nvm/etc/bash_completion.d/nvm" ] && \. "/opt/homebrew/opt/nvm/etc/bash_completion.d/nvm"
+```
+
+## 验证结果
+- 交互式 `zsh` 下 `nvm --version` 返回 `0.40.4`
+- `node` 命令已不存在，说明当前环境中已无非 `nvm` 管理的 Node 版本
+- `nvm ls` 返回 `N/A`，说明尚未通过 `nvm` 安装任何 Node 版本
+
+## 备注
+- `brew uninstall node` 过程中触发了 Homebrew 自动移除若干仅供该版本 Node 使用的依赖库
diff --git a/doc/implementation-report-2026-04-09-remove-id-number-validation.md b/doc/implementation-report-2026-04-09-remove-id-number-validation.md
new file mode 100644
index 0000000..0d3d3ef
--- /dev/null
+++ b/doc/implementation-report-2026-04-09-remove-id-number-validation.md
@@ -0,0 +1,25 @@
+# 证件输入校验移除实施记录
+
+## 实施时间
+- 2026-04-09
+
+## 修改内容
+- 移除个人新增弹窗中的证件号码格式校验
+- 移除企业新增弹窗中的证件号码格式校验
+- 两个新增弹窗的证件号码规则统一保留为必填校验
+- 新增前端源码断言，约束后续不再恢复证件号码格式校验
+
+## 修改文件
+- `ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue`
+- `ruoyi-ui/src/views/loanPricing/workflow/components/CorporateCreateDialog.vue`
+- `ruoyi-ui/tests/id-number-validation-removal.test.js`
+- `ruoyi-ui/package.json`
+- `doc/implementation-report-2026-04-09-remove-id-number-validation.md`
+
+## 验证方式
+1. `npm --prefix ruoyi-ui run test:id-number-validation-removal`
+2. `npm --prefix ruoyi-ui run build:prod`
+
+## 说明
+- 本次移除的是前端证件号码格式校验，不影响证件号码必填约束
+- 后端本次未新增或调整证件号码格式校验逻辑
diff --git a/doc/implementation-report-2026-04-09-shangyu-retail-input-params.md b/doc/implementation-report-2026-04-09-shangyu-retail-input-params.md
new file mode 100644
index 0000000..a5845f8
--- /dev/null
+++ b/doc/implementation-report-2026-04-09-shangyu-retail-input-params.md
@@ -0,0 +1,93 @@
+# 上虞个人利率测算输入参数对齐实施记录
+
+## 实施时间
+- 2026-04-09
+
+## 修改内容
+- 个人新增弹窗补齐 `loanPurpose`、`loanTerm`
+- 个人新增弹窗 `loanTerm` 固定为 `1-6` 年
+- 个人新增弹窗 `collType` 选项统一为 `一类/二类/三类`
+- 个人新增弹窗开关字段提交值由 `true/false` 调整为 `1/0`
+- 个人详情页补齐 `贷款用途` 展示
+- 个人与企业详情、模型输出布尔展示兼容 `1/0`
+- 后端个人创建 DTO 补齐 `loanPurpose`、`loanTerm`
+- 后端个人 DTO 到流程实体映射补齐 `loanPurpose`、`loanTerm`
+- 后端模型调用 DTO 补齐 `loanTerm`、`loanLoop`
+- 后端个人模型调用前统一将 `bizProof`、`loanLoop`、`collThirdParty` 规范为 `0/1`
+- `orgCode` 统一为 `892000`
+- `ModelInvokeDTO` 注释、接口文档、SQL 基线和迁移脚本同步统一为 `892000`
+- 新增前端源码断言与后端单元测试
+
+## 修改文件
+- `ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue`
+- `ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue`
+- `ruoyi-ui/src/views/loanPricing/workflow/components/ModelOutputDisplay.vue`
+- `ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue`
+- `ruoyi-ui/src/views/loanPricing/workflow/components/CorporateCreateDialog.vue`
+- `ruoyi-ui/tests/personal-create-input-params.test.js`
+- `ruoyi-ui/package.json`
+- `ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/PersonalLoanPricingCreateDTO.java`
+- `ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/ModelInvokeDTO.java`
+- `ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/util/LoanPricingConverter.java`
+- `ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingModelService.java`
+- `ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServicePersonalParamsTest.java`
+- `doc/api/loan-pricing-workflow-api.md`
+- `sql/loan_pricing_workflow.sql`
+- `sql/loan_pricing_schema_20260328.sql`
+- `sql/loan_pricing_prod_init_20260331.sql`
+- `sql/fix_comments.sql`
+- `sql/fix_all_comments.sql`
+- `sql/update_org_code_default_20260409.sql`
+- `doc/2026-04-09-shangyu-retail-input-params-design.md`
+- `doc/2026-04-09-shangyu-retail-input-params-frontend-plan.md`
+- `doc/implementation-report-2026-04-09-shangyu-retail-input-params.md`
+
+## 数据库处理
+1. 执行 `sql/update_org_code_default_20260409.sql`
+2. 将 `loan_pricing_workflow.org_code` 默认值修改为 `892000`
+3. 将存量 `loan_pricing_workflow.org_code` 非 `892000` 的记录统一更新为 `892000`
+
+## 验证方式
+1. 前端源码断言：
+   - `npm --prefix ruoyi-ui run test:personal-create-input-params`
+   - `npm --prefix ruoyi-ui run test:retail-display-fields`
+2. 后端单元测试：
+   - `mvn -pl ruoyi-loan-pricing -Dtest=LoanPricingModelServiceTest,LoanPricingModelServicePersonalParamsTest test`
+3. 前端构建：
+   - `npm --prefix ruoyi-ui run build:prod`
+4. 数据库验证：
+   - 查询 `loan_pricing_workflow.org_code` 字段默认值
+   - 查询存量数据中是否仍存在非 `892000` 记录
+5. 接口验证：
+   - `/login/test` 获取 token
+   - `POST /loanPricing/workflow/create/personal` 正常场景
+   - `POST /loanPricing/workflow/create/personal` 缺少 `loanPurpose` 场景
+   - `POST /loanPricing/workflow/create/personal` 分支值场景
+   - `GET /loanPricing/workflow/{serialNum}` 验证回显
+6. 页面验证：
+   - 启动前端 dev server
+   - 使用浏览器打开流程列表页
+   - 校验新增弹窗下拉选项
+   - 页面创建个人流程并打开详情页确认回显
+
+## 验证结果
+- `npm --prefix ruoyi-ui run test:personal-create-input-params` 通过
+- `npm --prefix ruoyi-ui run test:retail-display-fields` 通过
+- `mvn -pl ruoyi-loan-pricing -Dtest=LoanPricingModelServiceTest,LoanPricingModelServicePersonalParamsTest test` 通过
+- `npm --prefix ruoyi-ui run build:prod` 通过，输出 `Build complete.`
+- 数据库验证结果：
+  - `loan_pricing_workflow.org_code` 默认值为 `892000`
+  - 存量非 `892000` 记录数为 `0`
+- 接口验证结果：
+  - 正常场景创建成功，返回 `orgCode=892000`，并持久化 `loanPurpose`、`loanTerm`
+  - 缺少 `loanPurpose` 时返回 `贷款用途不能为空`
+  - 分支场景详情回显 `bizProof=0`、`loanLoop=1`、`collThirdParty=0`
+- 页面验证结果：
+  - 新增弹窗显示 `贷款用途`
+  - 借款期限下拉仅包含 `1-6`
+  - 抵质押类型下拉为 `一类/二类/三类`
+  - 页面创建流程成功后，详情页展示 `贷款用途=经营`、`借款期限=6`
+
+## 说明
+- 浏览器验证使用系统 `Google Chrome.app`
+- 本次验证期间启动的后端、前端和浏览器进程已在任务结束前关闭
diff --git a/doc/implementation-report-2026-04-09-start-script-ps-ef.md b/doc/implementation-report-2026-04-09-start-script-ps-ef.md
new file mode 100644
index 0000000..cd63f29
--- /dev/null
+++ b/doc/implementation-report-2026-04-09-start-script-ps-ef.md
@@ -0,0 +1,26 @@
+# 启动脚本进程判断改为 ps -ef 实施记录
+
+## 修改内容
+
+- 将 `bin/prod/restart_java.sh` 中的后端进程收集逻辑由 `pgrep -f` 改为 `ps -ef | awk`
+- 将 `bin/restart_java_backend.sh` 中的后端进程收集逻辑由 `pgrep -f` 改为 `ps -ef | awk`
+- 删除 `bin/restart_java_backend.sh` 中对 `pgrep` 命令的依赖校验
+- 更新 `bin/prod/restart_java_test.sh`，补充 `ps -ef` / `pgrep` 约束校验，并修正测试夹具中的 JDK 目录
+- 新增 `bin/restart_java_backend_test.sh`，校验本地后端重启脚本已改用 `ps -ef`
+
+## 实现说明
+
+- 两份脚本都只在 `ps -ef` 结果中匹配同时满足“包含脚本标记参数”和“`-jar` 指向目标 jar”这两个条件的 Java 进程
+- 进程筛选时继续忽略 `<defunct>` 记录，避免误判僵尸进程
+- 现有 PID 文件校验逻辑保持不变，本次只收敛“扫描当前是否已有进程”的实现方式
+
+## 路径检查
+
+- 已确认本次实施记录保存路径为 `doc/implementation-report-2026-04-09-start-script-ps-ef.md`
+
+## 验证结果
+
+- 已执行 `sh bin/prod/restart_java_test.sh`
+- 已执行 `sh bin/restart_java_backend_test.sh`
+- 已执行 `sh -n bin/prod/restart_java.sh && sh -n bin/restart_java_backend.sh`
+- 已确认测试中拉起的假 Java 进程在脚本收尾阶段自动停止并清理
diff --git a/doc/implementation-report-2026-04-10-login-shell-default-node25.md b/doc/implementation-report-2026-04-10-login-shell-default-node25.md
new file mode 100644
index 0000000..b4837fb
--- /dev/null
+++ b/doc/implementation-report-2026-04-10-login-shell-default-node25.md
@@ -0,0 +1,37 @@
+# 2026-04-10 登录 Shell 默认使用 Node 25 实施记录
+
+## 变更内容
+- 保持 `nvm` 默认别名为 `25`
+- 在 `~/.zprofile` 中补充 `nvm` 初始化，并在登录 shell 启动时自动执行 `nvm use default`
+
+## 根因分析
+- `nvm alias default 25` 已经存在，但仅在交互式 shell 中可用
+- `zsh -lc` 启动的是登录非交互 shell，不会读取 `~/.zshrc`
+- 因此这类场景下 `node`、`npm`、`npx` 未进入 PATH，表现为 `npx` 启动失败
+
+## 修改文件
+- `~/.zprofile`
+- `doc/implementation-report-2026-04-10-login-shell-default-node25.md`
+
+## 验证项
+- 验证登录 shell 在不手动执行 `nvm use` 的情况下可直接识别 `node`
+- 验证登录 shell 在不手动执行 `nvm use` 的情况下可直接识别 `npx`
+- 验证 `nvm` 默认别名仍然指向 `25`
+
+## 执行命令
+- `zsh -lc 'nvm alias default 25'`
+- `zsh -lc 'echo NODE=$(node -v); echo NPM=$(npm -v); echo NPX=$(npx -v); echo NODE_PATH=$(command -v node); echo NPX_PATH=$(command -v npx); echo NVM_CURRENT=$(nvm current); echo NVM_ALIAS=$(nvm alias default | tail -n 1)'`
+
+## 验证结果
+- `nvm` 默认别名输出为 `default -> 25 (-> v25.9.0 *)`
+- 登录 shell 输出 `NODE=v25.9.0`
+- 登录 shell 输出 `NPM=11.12.1`
+- 登录 shell 输出 `NPX=11.12.1`
+- 登录 shell 输出 `NODE_PATH=/Users/wkc/.nvm/versions/node/v25.9.0/bin/node`
+- 登录 shell 输出 `NPX_PATH=/Users/wkc/.nvm/versions/node/v25.9.0/bin/npx`
+- 登录 shell 输出 `NVM_CURRENT=v25.9.0`
+- 登录 shell 输出 `NVM_ALIAS=default -> 25 (-> v25.9.0 *)`
+
+## 结论
+- `zsh -lc` 场景下已默认切换到 Node `25.9.0`
+- `npx` 在登录 shell 中已可直接使用，无需先手动执行 `nvm use 25`
diff --git a/doc/~$上虞利率测算接口文档.xlsx b/doc/~$上虞利率测算接口文档.xlsx
new file mode 100644
index 0000000..3c3a794
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diff --git a/doc/上虞利率测算接口文档.xlsx b/doc/上虞利率测算接口文档.xlsx
new file mode 100644
index 0000000..ebc5268
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diff --git a/docs/superpowers/plans/2026-04-10-personal-pricing-collateral-optional-frontend-plan.md b/docs/superpowers/plans/2026-04-10-personal-pricing-collateral-optional-frontend-plan.md
new file mode 100644
index 0000000..38c565b
--- /dev/null
+++ b/docs/superpowers/plans/2026-04-10-personal-pricing-collateral-optional-frontend-plan.md
@@ -0,0 +1,110 @@
+# Personal Pricing Collateral Optional Frontend Implementation Plan
+
+> **For agentic workers:** REQUIRED: Use superpowers:executing-plans to implement this plan in this repository. Do not use subagents. Steps use checkbox (`- [ ]`) syntax for tracking.
+
+**Goal:** 让个人利率定价新增流程中的“抵质押类型”改为非必填，企业流程保持不变。
+
+**Architecture:** 维持现有个人新增弹窗的数据结构、字段名称和提交报文不变，只移除前端表单对 `collType` 的必填限制。通过前端源码断言测试和页面联调共同验证“字段可空提交”的行为，避免扩大到企业流程或后端接口。
+
+**Tech Stack:** Vue 2、Element UI、npm、Node.js 断言脚本
+
+---
+
+### Task 1: 固化个人新增流程“抵质押类型非必填”的前端测试
+
+**Files:**
+- Modify: `ruoyi-ui/tests/personal-create-input-params.test.js`
+- Inspect: `ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue`
+
+- [ ] **Step 1: 核对当前个人新增弹窗中的 `collType` 规则**
+
+Run: `sed -n '150,220p' ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue`
+Expected: 能看到 `rules.collType` 里仍有 `required: true`。
+
+- [ ] **Step 2: 先写失败断言**
+
+在 `ruoyi-ui/tests/personal-create-input-params.test.js` 中增加断言，明确个人新增弹窗不应再包含：
+
+```js
+required: true, message: "请选择抵质押类型"
+```
+
+- [ ] **Step 3: 运行测试确认红灯**
+
+Run: `npm --prefix ruoyi-ui run test:personal-create-input-params`
+Expected: FAIL，提示个人新增弹窗仍将抵质押类型设为必填。
+
+### Task 2: 移除个人新增弹窗中 `collType` 的必填限制
+
+**Files:**
+- Modify: `ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue`
+
+- [ ] **Step 1: 删除 `collType` 的必填校验**
+
+把：
+
+```js
+collType: [
+  {required: true, message: "请选择抵质押类型", trigger: "change"}
+]
+```
+
+移除，使个人表单规则中不再声明 `collType` 为必填。
+
+- [ ] **Step 2: 保持其它字段与提交逻辑不变**
+
+确认以下内容不改动：
+
+```js
+collType: undefined,
+collThirdParty: false
+```
+
+以及提交时的：
+
+```js
+collThirdParty: this.form.collThirdParty ? '1' : '0'
+```
+
+- [ ] **Step 3: 重新运行测试确认转绿**
+
+Run: `npm --prefix ruoyi-ui run test:personal-create-input-params`
+Expected: PASS，输出包含 `personal create input params assertions passed`。
+
+### Task 3: 页面联调并补实施记录
+
+**Files:**
+- Create: `docs/implementation-reports/2026-04-10-personal-pricing-collateral-optional-frontend.md`
+
+- [ ] **Step 1: 启动前端页面**
+
+Run: `npm --prefix ruoyi-ui run dev`
+Expected: 前端本地开发服务启动成功，可访问新增个人利率定价流程页面。
+
+- [ ] **Step 2: 浏览器确认页面行为**
+
+联调确认：
+- 个人新增弹窗“抵质押类型”字段可为空
+- 不选择“抵质押类型”时其余必填项填完整仍可点击提交
+- 企业新增弹窗规则不受影响
+
+- [ ] **Step 3: 停止本次测试启动的前端进程**
+
+Run: `ps -ef | rg 'vue-cli-service serve|npm --prefix ruoyi-ui run dev'`
+Expected: 仅停止本次联调启动的前端进程。
+
+- [ ] **Step 4: 编写实施记录**
+
+实施记录至少包含：
+
+```markdown
+- 本次仅调整个人利率定价新增流程
+- 个人新增弹窗已移除抵质押类型必填校验
+- 企业新增流程未改动
+- 已执行前端断言测试与页面联调验证
+```
+
+- [ ] **Step 5: 核对实施记录保存路径**
+
+Run: `ls docs/implementation-reports/2026-04-10-personal-pricing-collateral-optional-frontend.md`
+Expected: 文件位于仓库 `docs/implementation-reports` 目录。
diff --git a/ruoyi-admin/.DS_Store b/ruoyi-admin/.DS_Store
new file mode 100644
index 0000000..5f70785
Binary files /dev/null and b/ruoyi-admin/.DS_Store differ
diff --git a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/ModelInvokeDTO.java b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/ModelInvokeDTO.java
index 37fdb51..d65bbfb 100644
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/ModelInvokeDTO.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/ModelInvokeDTO.java
@@ -16,7 +16,7 @@ public class ModelInvokeDTO {
 
     /**
      * 机构编码（必填）
-     * 固定值：931000
+     * 固定值：892000
      */
     private String orgCode;
 
@@ -73,6 +73,12 @@ public class ModelInvokeDTO {
      */
     private String applyAmt;
 
+    /**
+     * 贷款期限（必填）
+     * 单位：年
+     */
+    private String loanTerm;
+
     /**
      * 净身企业（非必填）
      * 可选值：true/false
@@ -119,19 +125,25 @@ public class ModelInvokeDTO {
 
     /**
      * 是否有经营佐证（非必填）
-     * 可选值：true/false
+     * 可选值：0/1
      */
     private String bizProof;
 
+    /**
+     * 循环功能（非必填）
+     * 可选值：0/1
+     */
+    private String loanLoop;
+
     /**
      * 抵质押类型（非必填）
-     * 可选值：抵押/质押
+     * 可选值：一类/二类/三类
      */
     private String collType;
 
     /**
      * 抵质押物是否三方所有（非必填）
-     * 可选值：true/false
+     * 可选值：0/1
      */
     private String collThirdParty;
 
diff --git a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/PersonalLoanPricingCreateDTO.java b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/PersonalLoanPricingCreateDTO.java
index fe7c1cc..12504cc 100644
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/PersonalLoanPricingCreateDTO.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/PersonalLoanPricingCreateDTO.java
@@ -41,15 +41,24 @@ public class PersonalLoanPricingCreateDTO implements Serializable {
     @NotBlank(message = "申请金额不能为空")
     private String applyAmt;
 
-    @Schema(description = "是否有经营佐证", example = "true")
+    @Schema(description = "贷款用途", requiredMode = Schema.RequiredMode.REQUIRED, example = "business", allowableValues = {"consumer", "business"})
+    @NotBlank(message = "贷款用途不能为空")
+    @Pattern(regexp = "^(consumer|business)$", message = "贷款用途必须是：consumer、business之一")
+    private String loanPurpose;
+
+    @Schema(description = "借款期限（年）", requiredMode = Schema.RequiredMode.REQUIRED, example = "3")
+    @NotBlank(message = "借款期限不能为空")
+    private String loanTerm;
+
+    @Schema(description = "是否有经营佐证", example = "1")
     private String bizProof;
 
-    @Schema(description = "循环功能", example = "false")
+    @Schema(description = "循环功能", example = "0")
     private String loanLoop;
 
     @Schema(description = "抵质押类型", example = "一类")
     private String collType;
 
-    @Schema(description = "抵质押物是否三方所有", example = "false")
+    @Schema(description = "抵质押物是否三方所有", example = "0")
     private String collThirdParty;
 }
diff --git a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingModelService.java b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingModelService.java
index 6b5edce..05517d9 100644
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingModelService.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingModelService.java
@@ -60,6 +60,10 @@ public class LoanPricingModelService {
         }
         ModelInvokeDTO modelInvokeDTO = new ModelInvokeDTO();
         BeanUtils.copyProperties(loanPricingWorkflow, modelInvokeDTO);
+        if ("个人".equals(loanPricingWorkflow.getCustType()))
+        {
+            normalizePersonalModelInvokeDTO(modelInvokeDTO);
+        }
         JSONObject response = modelService.invokeModel(modelInvokeDTO);
         if (loanPricingWorkflow.getCustType().equals("个人")){
             // 个人模型
@@ -83,4 +87,24 @@ public class LoanPricingModelService {
             log.info("更新流程信息成功");
         }
     }
+
+    private void normalizePersonalModelInvokeDTO(ModelInvokeDTO modelInvokeDTO)
+    {
+        modelInvokeDTO.setBizProof(toZeroOne(modelInvokeDTO.getBizProof()));
+        modelInvokeDTO.setLoanLoop(toZeroOne(modelInvokeDTO.getLoanLoop()));
+        modelInvokeDTO.setCollThirdParty(toZeroOne(modelInvokeDTO.getCollThirdParty()));
+    }
+
+    private String toZeroOne(String value)
+    {
+        if ("true".equals(value) || "1".equals(value))
+        {
+            return "1";
+        }
+        if ("false".equals(value) || "0".equals(value))
+        {
+            return "0";
+        }
+        return value;
+    }
 }
diff --git a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/util/LoanPricingConverter.java b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/util/LoanPricingConverter.java
index a59b06a..ca0715e 100644
--- a/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/util/LoanPricingConverter.java
+++ b/ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/util/LoanPricingConverter.java
@@ -28,6 +28,8 @@ public class LoanPricingConverter {
         entity.setIdNum(dto.getIdNum());
         entity.setGuarType(dto.getGuarType());
         entity.setApplyAmt(dto.getApplyAmt());
+        entity.setLoanPurpose(dto.getLoanPurpose());
+        entity.setLoanTerm(dto.getLoanTerm());
         entity.setCollType(dto.getCollType());
         entity.setCollThirdParty(dto.getCollThirdParty());
         // 映射个人特有字段
diff --git a/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServicePersonalParamsTest.java b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServicePersonalParamsTest.java
new file mode 100644
index 0000000..f777773
--- /dev/null
+++ b/ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServicePersonalParamsTest.java
@@ -0,0 +1,125 @@
+package com.ruoyi.loanpricing.service;
+
+import com.alibaba.fastjson2.JSONObject;
+import com.ruoyi.loanpricing.domain.dto.ModelInvokeDTO;
+import com.ruoyi.loanpricing.domain.dto.PersonalLoanPricingCreateDTO;
+import com.ruoyi.loanpricing.domain.entity.LoanPricingWorkflow;
+import com.ruoyi.loanpricing.mapper.LoanPricingWorkflowMapper;
+import com.ruoyi.loanpricing.mapper.ModelCorpOutputFieldsMapper;
+import com.ruoyi.loanpricing.mapper.ModelRetailOutputFieldsMapper;
+import com.ruoyi.loanpricing.util.LoanPricingConverter;
+import org.junit.jupiter.api.Test;
+import org.junit.jupiter.api.extension.ExtendWith;
+import org.mockito.InjectMocks;
+import org.mockito.Mock;
+import org.mockito.junit.jupiter.MockitoExtension;
+
+import java.util.Objects;
+
+import static org.junit.jupiter.api.Assertions.assertEquals;
+import static org.junit.jupiter.api.Assertions.assertNotNull;
+import static org.junit.jupiter.api.Assertions.assertThrows;
+import static org.mockito.ArgumentMatchers.any;
+import static org.mockito.ArgumentMatchers.argThat;
+import static org.mockito.Mockito.verify;
+import static org.mockito.Mockito.when;
+
+@ExtendWith(MockitoExtension.class)
+class LoanPricingModelServicePersonalParamsTest {
+
+    @Mock
+    private ModelService modelService;
+
+    @Mock
+    private LoanPricingWorkflowMapper loanPricingWorkflowMapper;
+
+    @Mock
+    private ModelRetailOutputFieldsMapper modelRetailOutputFieldsMapper;
+
+    @Mock
+    private ModelCorpOutputFieldsMapper modelCorpOutputFieldsMapper;
+
+    @Mock
+    private SensitiveFieldCryptoService sensitiveFieldCryptoService;
+
+    @InjectMocks
+    private LoanPricingModelService loanPricingModelService;
+
+    @Test
+    void shouldContainLoanPurposeAndLoanTermInPersonalCreateDto() throws NoSuchFieldException {
+        assertNotNull(PersonalLoanPricingCreateDTO.class.getDeclaredField("loanPurpose"));
+        assertNotNull(PersonalLoanPricingCreateDTO.class.getDeclaredField("loanTerm"));
+    }
+
+    @Test
+    void shouldMapLoanPurposeAndLoanTermFromPersonalDto() {
+        PersonalLoanPricingCreateDTO dto = new PersonalLoanPricingCreateDTO();
+        dto.setCustIsn("CUST001");
+        dto.setCustName("张三");
+        dto.setGuarType("信用");
+        dto.setApplyAmt("100000");
+        dto.setLoanPurpose("business");
+        dto.setLoanTerm("3");
+
+        LoanPricingWorkflow workflow = LoanPricingConverter.toEntity(dto);
+
+        assertEquals("business", workflow.getLoanPurpose());
+        assertEquals("3", workflow.getLoanTerm());
+    }
+
+    @Test
+    void shouldContainLoanTermAndLoanLoopInModelInvokeDto() throws NoSuchFieldException {
+        assertNotNull(ModelInvokeDTO.class.getDeclaredField("loanTerm"));
+        assertNotNull(ModelInvokeDTO.class.getDeclaredField("loanLoop"));
+    }
+
+    @Test
+    void shouldInvokePersonalModelWithExpectedParams() {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setId(1L);
+        workflow.setSerialNum("202604090001");
+        workflow.setOrgCode("892000");
+        workflow.setRunType("1");
+        workflow.setCustIsn("CUST001");
+        workflow.setCustType("个人");
+        workflow.setCustName("cipher-name");
+        workflow.setIdType("身份证");
+        workflow.setIdNum("cipher-id");
+        workflow.setGuarType("信用");
+        workflow.setApplyAmt("100000");
+        workflow.setLoanPurpose("business");
+        workflow.setLoanTerm("3");
+        workflow.setBizProof("true");
+        workflow.setLoanLoop("false");
+        workflow.setCollThirdParty("true");
+        workflow.setCollType("一类");
+
+        JSONObject response = new JSONObject();
+        response.put("calculateRate", "6.15");
+
+        when(loanPricingWorkflowMapper.selectById(1L)).thenReturn(workflow);
+        when(sensitiveFieldCryptoService.decrypt("cipher-name")).thenReturn("张三");
+        when(sensitiveFieldCryptoService.decrypt("cipher-id")).thenReturn("110101199001011234");
+        when(modelService.invokeModel(any())).thenReturn(response);
+
+        loanPricingModelService.invokeModelAsync(1L);
+
+        verify(modelService).invokeModel(argThat((ModelInvokeDTO dto) ->
+                Objects.equals("202604090001", dto.getSerialNum())
+                        && Objects.equals("892000", dto.getOrgCode())
+                        && Objects.equals("1", dto.getRunType())
+                        && Objects.equals("CUST001", dto.getCustIsn())
+                        && Objects.equals("个人", dto.getCustType())
+                        && Objects.equals("张三", dto.getCustName())
+                        && Objects.equals("身份证", dto.getIdType())
+                        && Objects.equals("110101199001011234", dto.getIdNum())
+                        && Objects.equals("信用", dto.getGuarType())
+                        && Objects.equals("100000", dto.getApplyAmt())
+                        && Objects.equals("business", dto.getLoanPurpose())
+                        && Objects.equals("3", dto.getLoanTerm())
+                        && Objects.equals("1", dto.getBizProof())
+                        && Objects.equals("0", dto.getLoanLoop())
+                        && Objects.equals("1", dto.getCollThirdParty())
+                        && Objects.equals("一类", dto.getCollType())));
+    }
+}
diff --git a/ruoyi-ui/dist.zip b/ruoyi-ui/dist.zip
index 23353f6..20132d9 100644
Binary files a/ruoyi-ui/dist.zip and b/ruoyi-ui/dist.zip differ
diff --git a/ruoyi-ui/package.json b/ruoyi-ui/package.json
index 0897d9c..5fbcc8a 100644
--- a/ruoyi-ui/package.json
+++ b/ruoyi-ui/package.json
@@ -10,7 +10,9 @@
     "build:stage": "vue-cli-service build --mode staging",
     "preview": "node build/index.js --preview",
     "test:password-transfer": "node tests/password-transfer-api.test.js",
-    "test:retail-display-fields": "node tests/retail-display-fields.test.js"
+    "test:retail-display-fields": "node tests/retail-display-fields.test.js",
+    "test:personal-create-input-params": "node tests/personal-create-input-params.test.js",
+    "test:id-number-validation-removal": "node tests/id-number-validation-removal.test.js"
   },
   "keywords": [
     "vue",
diff --git a/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateCreateDialog.vue b/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateCreateDialog.vue
index 27f0224..44f906c 100644
--- a/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateCreateDialog.vue
+++ b/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateCreateDialog.vue
@@ -124,22 +124,6 @@ export default {
     }
   },
   data() {
-    // 统一社会信用代码验证
-    const validateIdNum = (rule, value, callback) => {
-      if (!value) {
-        callback(new Error('请输入证件号码'))
-      } else if (this.form.idType === '统一社会信用代码') {
-        const reg = /^[0-9A-HJ-NPQRTUWXY]{2}\d{6}[0-9A-HJ-NPQRTUWXY]{10}$/
-        if (!reg.test(value)) {
-          callback(new Error('请输入正确的统一社会信用代码'))
-        } else {
-          callback()
-        }
-      } else {
-        callback()
-      }
-    }
-
     // 金额验证
     const validateApplyAmt = (rule, value, callback) => {
       if (!value) {
@@ -175,7 +159,7 @@ export default {
     return {
       submitting: false,
       form: {
-        orgCode: '',
+        orgCode: '892000',
         runType: '1',
         custIsn: undefined,
         custName: undefined,
@@ -204,7 +188,7 @@ export default {
           {required: true, message: "请选择证件类型", trigger: "change"}
         ],
         idNum: [
-          {required: true, validator: validateIdNum, trigger: "blur"}
+          {required: true, message: "证件号码不能为空", trigger: "blur"}
         ],
         guarType: [
           {required: true, message: "请选择担保方式", trigger: "change"}
@@ -242,7 +226,7 @@ export default {
     /** 表单重置 */
     reset() {
       this.form = {
-        orgCode: '',
+        orgCode: '892000',
         runType: '1',
         custIsn: undefined,
         custName: undefined,
diff --git a/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue b/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue
index 2270879..9af1f30 100644
--- a/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue
+++ b/ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue
@@ -150,8 +150,8 @@ export default {
   methods: {
     /** 格式化布尔值为中文 */
     formatBoolean(value) {
-      if (value === 'true' || value === true) return '是'
-      if (value === 'false' || value === false) return '否'
+      if (value === 'true' || value === true || value === '1' || value === 1) return '是'
+      if (value === 'false' || value === false || value === '0' || value === 0) return '否'
       return value || '-'
     },
     /** 获取基准利率 */
diff --git a/ruoyi-ui/src/views/loanPricing/workflow/components/ModelOutputDisplay.vue b/ruoyi-ui/src/views/loanPricing/workflow/components/ModelOutputDisplay.vue
index cf1b660..4aa649d 100644
--- a/ruoyi-ui/src/views/loanPricing/workflow/components/ModelOutputDisplay.vue
+++ b/ruoyi-ui/src/views/loanPricing/workflow/components/ModelOutputDisplay.vue
@@ -242,8 +242,8 @@ export default {
   methods: {
     /** 格式化布尔值为中文 */
     formatBoolean(value) {
-      if (value === 'true' || value === true) return '是'
-      if (value === 'false' || value === false) return '否'
+      if (value === 'true' || value === true || value === '1' || value === 1) return '是'
+      if (value === 'false' || value === false || value === '0' || value === 0) return '否'
       return value || '-'
     },
     /** 格式化贷款用途 */
diff --git a/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue b/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue
index 6351e7e..910cb95 100644
--- a/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue
+++ b/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue
@@ -51,6 +51,23 @@
           </el-form-item>
         </el-col>
       </el-row>
+      <el-row>
+        <el-col :span="12">
+          <el-form-item label="贷款用途" prop="loanPurpose">
+            <el-select v-model="form.loanPurpose" placeholder="请选择贷款用途" style="width: 100%">
+              <el-option label="消费" value="consumer"/>
+              <el-option label="经营" value="business"/>
+            </el-select>
+          </el-form-item>
+        </el-col>
+        <el-col :span="12">
+          <el-form-item label="借款期限(年)" prop="loanTerm">
+            <el-select v-model="form.loanTerm" placeholder="请选择借款期限" style="width: 100%">
+              <el-option v-for="item in loanTermOptions" :key="item" :label="item" :value="item"/>
+            </el-select>
+          </el-form-item>
+        </el-col>
+      </el-row>
       <el-row>
         <el-col :span="12">
           <el-form-item label="是否有经营佐证" prop="bizProof">
@@ -70,9 +87,9 @@
         <el-col :span="12">
           <el-form-item label="抵质押类型" prop="collType">
             <el-select v-model="form.collType" placeholder="请选择抵质押类型" style="width: 100%">
-              <el-option label="一线" value="一线"/>
               <el-option label="一类" value="一类"/>
               <el-option label="二类" value="二类"/>
+              <el-option label="三类" value="三类"/>
             </el-select>
           </el-form-item>
         </el-col>
@@ -102,22 +119,6 @@ export default {
     }
   },
   data() {
-    // 身份证验证
-    const validateIdNum = (rule, value, callback) => {
-      if (!value) {
-        callback(new Error('请输入证件号码'))
-      } else if (this.form.idType === '身份证') {
-        const reg = /(^\d{15}$)|(^\d{18}$)|(^\d{17}(\d|X|x)$)/
-        if (!reg.test(value)) {
-          callback(new Error('请输入正确的身份证号码'))
-        } else {
-          callback()
-        }
-      } else {
-        callback()
-      }
-    }
-
     // 金额验证
     const validateApplyAmt = (rule, value, callback) => {
       if (!value) {
@@ -135,9 +136,12 @@ export default {
     }
 
     return {
+      loanTermOptions: [
+        '1', '2', '3', '4', '5', '6'
+      ],
       submitting: false,
       form: {
-        orgCode: '',
+        orgCode: '892000',
         runType: '1',
         custIsn: undefined,
         custName: undefined,
@@ -145,6 +149,8 @@ export default {
         idNum: undefined,
         guarType: undefined,
         applyAmt: undefined,
+        loanPurpose: undefined,
+        loanTerm: undefined,
         bizProof: false,
         loanLoop: false,
         collType: undefined,
@@ -163,7 +169,7 @@ export default {
           {required: true, message: "请选择证件类型", trigger: "change"}
         ],
         idNum: [
-          {required: true, validator: validateIdNum, trigger: "blur"}
+          {required: true, message: "证件号码不能为空", trigger: "blur"}
         ],
         guarType: [
           {required: true, message: "请选择担保方式", trigger: "change"}
@@ -171,8 +177,11 @@ export default {
         applyAmt: [
           {required: true, validator: validateApplyAmt, trigger: "blur"}
         ],
-        collType: [
-          {required: true, message: "请选择抵质押类型", trigger: "change"}
+        loanPurpose: [
+          {required: true, message: "请选择贷款用途", trigger: "change"}
+        ],
+        loanTerm: [
+          {required: true, message: "请选择借款期限", trigger: "change"}
         ]
       }
     }
@@ -198,7 +207,7 @@ export default {
     /** 表单重置 */
     reset() {
       this.form = {
-        orgCode: '',
+        orgCode: '892000',
         runType: '1',
         custIsn: undefined,
         custName: undefined,
@@ -206,6 +215,8 @@ export default {
         idNum: undefined,
         guarType: undefined,
         applyAmt: undefined,
+        loanPurpose: undefined,
+        loanTerm: undefined,
         bizProof: false,
         loanLoop: false,
         collType: undefined,
@@ -231,9 +242,9 @@ export default {
           // 转换开关值为字符串
           const data = {
             ...this.form,
-            bizProof: this.form.bizProof ? 'true' : 'false',
-            loanLoop: this.form.loanLoop ? 'true' : 'false',
-            collThirdParty: this.form.collThirdParty ? 'true' : 'false'
+            bizProof: this.form.bizProof ? '1' : '0',
+            loanLoop: this.form.loanLoop ? '1' : '0',
+            collThirdParty: this.form.collThirdParty ? '1' : '0'
           }
 
           createPersonalWorkflow(data).then(response => {
diff --git a/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue b/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue
index 55145d3..d2c3a43 100644
--- a/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue
+++ b/ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue
@@ -72,6 +72,7 @@
             <el-descriptions :column="2" border>
               <el-descriptions-item label="担保方式">{{ detailData.guarType }}</el-descriptions-item>
               <el-descriptions-item label="申请金额">{{ detailData.applyAmt }} 元</el-descriptions-item>
+              <el-descriptions-item label="贷款用途">{{ formatLoanPurpose(detailData.loanPurpose) }}</el-descriptions-item>
               <el-descriptions-item label="借款期限">{{ detailData.loanTerm || '-' }}</el-descriptions-item>
               <el-descriptions-item label="是否有经营佐证">{{
                   formatBoolean(detailData.bizProof)
@@ -149,8 +150,14 @@ export default {
   methods: {
     /** 格式化布尔值为中文 */
     formatBoolean(value) {
-      if (value === 'true' || value === true) return '是'
-      if (value === 'false' || value === false) return '否'
+      if (value === 'true' || value === true || value === '1' || value === 1) return '是'
+      if (value === 'false' || value === false || value === '0' || value === 0) return '否'
+      return value || '-'
+    },
+    /** 格式化贷款用途 */
+    formatLoanPurpose(value) {
+      if (value === 'consumer') return '消费'
+      if (value === 'business') return '经营'
       return value || '-'
     },
     /** 获取基准利率 */
diff --git a/ruoyi-ui/tests/id-number-validation-removal.test.js b/ruoyi-ui/tests/id-number-validation-removal.test.js
new file mode 100644
index 0000000..ba9e505
--- /dev/null
+++ b/ruoyi-ui/tests/id-number-validation-removal.test.js
@@ -0,0 +1,34 @@
+const fs = require('fs')
+const path = require('path')
+const assert = require('assert')
+
+function read(relativePath) {
+  return fs.readFileSync(path.join(__dirname, '..', relativePath), 'utf8')
+}
+
+const personalCreateDialog = read('src/views/loanPricing/workflow/components/PersonalCreateDialog.vue')
+const corporateCreateDialog = read('src/views/loanPricing/workflow/components/CorporateCreateDialog.vue')
+
+assert(
+  !personalCreateDialog.includes('const validateIdNum ='),
+  '个人新增弹窗仍包含证件号码格式校验函数'
+)
+
+assert(
+  !corporateCreateDialog.includes('const validateIdNum ='),
+  '企业新增弹窗仍包含证件号码格式校验函数'
+)
+
+assert(
+  personalCreateDialog.includes("idNum: [") &&
+    personalCreateDialog.includes('{required: true, message: "证件号码不能为空", trigger: "blur"}'),
+  '个人新增弹窗证件号码规则应仅保留必填'
+)
+
+assert(
+  corporateCreateDialog.includes("idNum: [") &&
+    corporateCreateDialog.includes('{required: true, message: "证件号码不能为空", trigger: "blur"}'),
+  '企业新增弹窗证件号码规则应仅保留必填'
+)
+
+console.log('id number validation removal assertions passed')
diff --git a/ruoyi-ui/tests/personal-create-input-params.test.js b/ruoyi-ui/tests/personal-create-input-params.test.js
new file mode 100644
index 0000000..88ac252
--- /dev/null
+++ b/ruoyi-ui/tests/personal-create-input-params.test.js
@@ -0,0 +1,65 @@
+const fs = require('fs')
+const path = require('path')
+const assert = require('assert')
+
+function read(relativePath) {
+  return fs.readFileSync(path.join(__dirname, '..', relativePath), 'utf8')
+}
+
+const personalCreateDialog = read('src/views/loanPricing/workflow/components/PersonalCreateDialog.vue')
+const personalDetail = read('src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue')
+
+assert(
+  personalCreateDialog.includes('label="贷款用途"') && personalCreateDialog.includes('prop="loanPurpose"'),
+  '个人新增弹窗缺少贷款用途字段'
+)
+
+assert(
+  personalCreateDialog.includes('label="借款期限(年)"') && personalCreateDialog.includes('prop="loanTerm"'),
+  '个人新增弹窗缺少借款期限字段'
+)
+
+assert(
+  personalCreateDialog.includes("value=\"consumer\"") && personalCreateDialog.includes("value=\"business\""),
+  '个人新增弹窗缺少贷款用途选项'
+)
+
+assert(
+  personalCreateDialog.includes('loanTermOptions') &&
+    personalCreateDialog.includes("'1'") &&
+    personalCreateDialog.includes("'6'") &&
+    !personalCreateDialog.includes("'7'"),
+  '个人新增弹窗借款期限选项应限制为 1-6 年'
+)
+
+assert(
+  personalCreateDialog.includes('label="一类"') &&
+    personalCreateDialog.includes('label="二类"') &&
+    personalCreateDialog.includes('label="三类"') &&
+    !personalCreateDialog.includes('label="一线"'),
+  '个人新增弹窗抵质押类型选项未按 Excel 对齐'
+)
+
+assert(
+  !personalCreateDialog.includes('{required: true, message: "请选择抵质押类型", trigger: "change"}'),
+  '个人新增弹窗仍将抵质押类型设为必填'
+)
+
+assert(
+  personalCreateDialog.includes("bizProof: this.form.bizProof ? '1' : '0'") &&
+    personalCreateDialog.includes("loanLoop: this.form.loanLoop ? '1' : '0'") &&
+    personalCreateDialog.includes("collThirdParty: this.form.collThirdParty ? '1' : '0'"),
+  '个人新增弹窗开关字段未按 1/0 提交'
+)
+
+assert(
+  personalDetail.includes('label="贷款用途"') && personalDetail.includes('detailData.loanPurpose'),
+  '个人详情页缺少贷款用途展示'
+)
+
+assert(
+  personalDetail.includes("value === '1'") && personalDetail.includes("value === '0'"),
+  '个人详情页布尔格式化未兼容 1/0'
+)
+
+console.log('personal create input params assertions passed')
diff --git a/sql/fix_all_comments.sql b/sql/fix_all_comments.sql
index ccb4ecc..4952d32 100644
--- a/sql/fix_all_comments.sql
+++ b/sql/fix_all_comments.sql
@@ -8,7 +8,7 @@ ALTER TABLE loan_pricing_workflow
     MODIFY COLUMN `id` bigint(20) NOT NULL AUTO_INCREMENT COMMENT '主键ID',
     MODIFY COLUMN `serial_num` varchar(50) NOT NULL COMMENT '业务方流水号',
     MODIFY COLUMN `model_output_id` bigint(20) DEFAULT NULL COMMENT '模型输出ID',
-    MODIFY COLUMN `org_code` varchar(20) NOT NULL DEFAULT '' COMMENT '机构编码',
+    MODIFY COLUMN `org_code` varchar(20) NOT NULL DEFAULT '892000' COMMENT '机构编码(统一值892000)',
     MODIFY COLUMN `run_type` varchar(10) NOT NULL DEFAULT '1' COMMENT '运行模式: 1-同步',
     MODIFY COLUMN `cust_isn` varchar(50) NOT NULL COMMENT '客户内码',
     MODIFY COLUMN `cust_type` varchar(20) NOT NULL COMMENT '客户类型: 个人/企业',
diff --git a/sql/fix_comments.sql b/sql/fix_comments.sql
index 5103088..c6e5bc1 100644
--- a/sql/fix_comments.sql
+++ b/sql/fix_comments.sql
@@ -14,7 +14,7 @@ ALTER TABLE loan_pricing_workflow
     MODIFY COLUMN `id` bigint(20) NOT NULL AUTO_INCREMENT COMMENT '主键ID',
     MODIFY COLUMN `serial_num` varchar(50) NOT NULL COMMENT '业务方流水号',
     MODIFY COLUMN `model_output_id` bigint(20) DEFAULT NULL COMMENT '模型输出ID',
-    MODIFY COLUMN `org_code` varchar(20) NOT NULL DEFAULT '' COMMENT '机构编码',
+    MODIFY COLUMN `org_code` varchar(20) NOT NULL DEFAULT '892000' COMMENT '机构编码(统一值892000)',
     MODIFY COLUMN `run_type` varchar(10) NOT NULL DEFAULT '1' COMMENT '运行模式: 1-同步',
     MODIFY COLUMN `cust_isn` varchar(50) NOT NULL COMMENT '客户内码',
     MODIFY COLUMN `cust_type` varchar(20) NOT NULL COMMENT '客户类型: 个人/企业',
diff --git a/sql/loan_pricing_prod_init_20260331.sql b/sql/loan_pricing_prod_init_20260331.sql
index e091b48..7468d21 100644
--- a/sql/loan_pricing_prod_init_20260331.sql
+++ b/sql/loan_pricing_prod_init_20260331.sql
@@ -741,7 +741,7 @@ CREATE TABLE `loan_pricing_workflow` (
   `id` bigint(20) NOT NULL AUTO_INCREMENT COMMENT '主键ID',
   `serial_num` varchar(50) NOT NULL COMMENT '业务方流水号',
   `model_output_id` bigint(20) DEFAULT NULL COMMENT '模型输出ID',
-  `org_code` varchar(20) NOT NULL DEFAULT '' COMMENT '机构编码',
+  `org_code` varchar(20) NOT NULL DEFAULT '892000' COMMENT '机构编码(统一值892000)',
   `run_type` varchar(10) NOT NULL DEFAULT '1' COMMENT '运行模式: 1-同步',
   `cust_isn` varchar(50) NOT NULL COMMENT '客户内码',
   `cust_type` varchar(20) NOT NULL COMMENT '客户类型: 个人/企业',
diff --git a/sql/loan_pricing_schema_20260328.sql b/sql/loan_pricing_schema_20260328.sql
index 7366339..f02f608 100644
--- a/sql/loan_pricing_schema_20260328.sql
+++ b/sql/loan_pricing_schema_20260328.sql
@@ -323,7 +323,7 @@ CREATE TABLE `loan_pricing_workflow` (
   `id` bigint(20) NOT NULL AUTO_INCREMENT COMMENT '主键ID',
   `serial_num` varchar(50) NOT NULL COMMENT '业务方流水号',
   `model_output_id` bigint(20) DEFAULT NULL COMMENT '模型输出ID',
-  `org_code` varchar(20) NOT NULL DEFAULT '' COMMENT '机构编码',
+  `org_code` varchar(20) NOT NULL DEFAULT '892000' COMMENT '机构编码(统一值892000)',
   `run_type` varchar(10) NOT NULL DEFAULT '1' COMMENT '运行模式: 1-同步',
   `cust_isn` varchar(50) NOT NULL COMMENT '客户内码',
   `cust_type` varchar(20) NOT NULL COMMENT '客户类型: 个人/企业',
diff --git a/sql/loan_pricing_workflow.sql b/sql/loan_pricing_workflow.sql
index 484560b..b81fa25 100644
--- a/sql/loan_pricing_workflow.sql
+++ b/sql/loan_pricing_workflow.sql
@@ -4,7 +4,7 @@ CREATE TABLE `loan_pricing_workflow` (
   `id` bigint NOT NULL AUTO_INCREMENT COMMENT '主键ID',
   `serial_num` varchar(50) NOT NULL COMMENT '业务方流水号',
   `model_output_id` bigint(20) NULL COMMENT '模型输出id',
-  `org_code` varchar(20) NOT NULL DEFAULT '' COMMENT '机构编码',
+  `org_code` varchar(20) NOT NULL DEFAULT '892000' COMMENT '机构编码(统一值892000)',
   `run_type` varchar(10) NOT NULL DEFAULT '1' COMMENT '运行模式: 1-同步',
   `cust_isn` varchar(50) NOT NULL COMMENT '客户内码',
   `cust_type` varchar(20) NOT NULL COMMENT '客户类型: 个人/企业',
diff --git a/sql/update_org_code_default_20260409.sql b/sql/update_org_code_default_20260409.sql
new file mode 100644
index 0000000..efa6699
--- /dev/null
+++ b/sql/update_org_code_default_20260409.sql
@@ -0,0 +1,10 @@
+-- 统一 loan_pricing_workflow 表 org_code 默认值与存量数据
+
+ALTER TABLE `loan_pricing_workflow`
+    MODIFY COLUMN `org_code` varchar(20) NOT NULL DEFAULT '892000' COMMENT '机构编码(统一值892000)';
+
+UPDATE `loan_pricing_workflow`
+SET `org_code` = '892000'
+WHERE `org_code` IS NULL
+   OR `org_code` = ''
+   OR `org_code` <> '892000';