同步优化企业客户流程模型展示

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/CorporateLoanPricingCreateDTO.java

@@ -65,8 +65,16 @@ public class CorporateLoanPricingCreateDTO implements Serializable {
     @Schema(description = "贸易和建筑业企业标识", example = "0")
     private String isTradeBuildEnt;
 
-    @Schema(description = "抵质押类型", example = "一类", allowableValues = {"一类", "二类", "三类", "四类", "排污权抵押", "设备等其他不动产抵押", "存单质押", "股权质押", "其他质押"})
-    @Pattern(regexp = "^(一类|二类|三类|四类|排污权抵押|设备等其他不动产抵押|存单质押|股权质押|其他质押)$", message = "抵质押类型必须是：一类、二类、三类、四类、排污权抵押、设备等其他不动产抵押、存单质押、股权质押、其他质押之一")
+    @Schema(description = "抵押物性质", example = "普通住宅、土地、厂房", allowableValues = {"普通住宅、土地、厂房", "商业性质不动产", "排污权", "其他不动产"})
+    @Pattern(regexp = "^(普通住宅、土地、厂房|商业性质不动产|排污权|其他不动产)$", message = "抵押物性质必须是：普通住宅、土地、厂房、商业性质不动产、排污权、其他不动产之一")
+    private String collateralNature;
+
+    @Schema(description = "是否属于九地", example = "是", allowableValues = {"是", "否"})
+    @Pattern(regexp = "^(是|否)$", message = "是否属于九地必须是：是、否之一")
+    private String isNineArea;
+
+    @Schema(description = "抵质押类型", example = "一类", allowableValues = {"一类", "二类", "三类", "排污权抵押", "其他不动产抵押", "存单质押", "股权质押", "其他质押"})
+    @Pattern(regexp = "^(一类|二类|三类|排污权抵押|其他不动产抵押|存单质押|股权质押|其他质押)$", message = "抵质押类型必须是：一类、二类、三类、排污权抵押、其他不动产抵押、存单质押、股权质押、其他质押之一")
     private String collType;
 
     @Schema(description = "抵质押物是否三方所有", example = "0")

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/ModelInvokeDTO.java

@@ -125,12 +125,12 @@ public class ModelInvokeDTO {
 
     /**
      * 贷款用途（非必填）
-     * 可选值：consumer/business
+     * 可选值：经营/消费
      */
     private String loanPurpose;
 
     /**
-     * 是否有经营佐证（非必填）
+     * 是否有营业执照（非必填）
      * 可选值：0/1
      */
     private String bizProof;

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/dto/PersonalLoanPricingCreateDTO.java

@@ -41,6 +41,11 @@ public class PersonalLoanPricingCreateDTO implements Serializable {
     @NotBlank(message = "申请金额不能为空")
     private String applyAmt;
 
+    @Schema(description = "贷款用途", requiredMode = Schema.RequiredMode.REQUIRED, example = "business", allowableValues = {"business", "consumer"})
+    @NotBlank(message = "贷款用途不能为空")
+    @Pattern(regexp = "^(business|consumer)$", message = "贷款用途必须是：business、consumer之一")
+    private String loanPurpose;
+
     @Schema(description = "业务种类", requiredMode = Schema.RequiredMode.REQUIRED, example = "存量转贷", allowableValues = {"新增", "存量新增", "存量转贷"})
     @NotBlank(message = "业务种类不能为空")
     @Pattern(regexp = "^(新增|存量新增|存量转贷)$", message = "业务种类必须是：新增、存量新增、存量转贷之一")
@@ -53,10 +58,22 @@ public class PersonalLoanPricingCreateDTO implements Serializable {
     @NotBlank(message = "借款期限不能为空")
     private String loanTerm;
 
+    @Schema(description = "是否有营业执照", example = "0", allowableValues = {"0", "1"})
+    @Pattern(regexp = "^[01]$", message = "是否有营业执照必须是：0或1")
+    private String bizProof;
+
     @Schema(description = "循环功能", example = "0")
     private String loanLoop;
 
-    @Schema(description = "抵质押类型", example = "一类", allowableValues = {"一线", "一类", "二类", "三类", "存单质押", "其他质押"})
+    @Schema(description = "抵押物性质", example = "普通住宅、土地、厂房", allowableValues = {"普通住宅、土地、厂房", "商业性质不动产", "其他抵押财产"})
+    @Pattern(regexp = "^(普通住宅、土地、厂房|商业性质不动产|其他抵押财产)$", message = "抵押物性质必须是：普通住宅、土地、厂房、商业性质不动产、其他抵押财产之一")
+    private String collateralNature;
+
+    @Schema(description = "是否属于九地", example = "是", allowableValues = {"是", "否"})
+    @Pattern(regexp = "^(是|否)$", message = "是否属于九地必须是：是、否之一")
+    private String isNineArea;
+
+    @Schema(description = "抵质押类型", example = "一类", allowableValues = {"一类", "二类", "三类", "四类", "存单质押", "其他质押"})
     private String collType;
 
     @Schema(description = "抵质押物是否三方所有", example = "0")

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/LoanPricingWorkflow.java

@@ -116,7 +116,7 @@ public class LoanPricingWorkflow implements Serializable
     /** 余值覆盖: 0/1 */
     private String resCover;
 
-    /** 是否有经营佐证: true/false */
+    /** 是否有营业执照: true/false */
     private String bizProof;
 
     /** 循环功能: true/false */
@@ -125,6 +125,12 @@ public class LoanPricingWorkflow implements Serializable
     /** 抵质押类型: 一类/二类/三类/四类 */
     private String collType;
 
+    /** 抵押物性质 */
+    private String collateralNature;
+
+    /** 是否属于九地: 是/否 */
+    private String isNineArea;
+
     /** 抵质押物是否三方所有: true/false */
     private String collThirdParty;
 

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/ModelCorpOutputFields.java

@@ -106,10 +106,20 @@ public class ModelCorpOutputFields {
     private String bpCollateral;
     // 灰名单客户
     private String greyCust;
+    // 黑名单客户
+    private String blackCust;
     // 本金逾期
     private String prinOverdue;
+    // BP_本金逾期
+    private String bpPrinOverdue;
     // 利息逾期
     private String interestOverdue;
+    // BP_利息逾期
+    private String bpIinterestOverdue;
+    // 信用卡逾期
+    private String cardOverdue;
+    // BP_信用卡逾期
+    private String bpCardOverdue;
     // BP_灰名单与逾期
     private String bpGreyOverdue;
     // TOTAL_BP_风险度
@@ -129,6 +139,8 @@ public class ModelCorpOutputFields {
     private String finalCalculateRate;
     // 参考利率
     private String referenceRate;
+    // 行社下调BP
+    private String branchBp;
 
     @TableField(fill = FieldFill.INSERT)
     private Date createTime;

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/domain/entity/ModelRetailOutputFields.java

@@ -129,7 +129,7 @@ public class ModelRetailOutputFields {
     // 贷款用途
     private String loanPurpose;
 
-    // 是否有经营佐证
+    // 是否有营业执照
     private String bizProof;
 
     // BP_贷款用途
@@ -153,15 +153,27 @@ public class ModelRetailOutputFields {
     // 灰名单客户
     private String greyCust;
 
+    // 黑名单客户
+    private String blackCust;
+
     // 本金逾期
     private String prinOverdue;
 
+    // BP_本金逾期
+    private String bpPrinOverdue;
+
     // 利息逾期
     private String interestOverdue;
 
+    // BP_利息逾期
+    private String bpIinterestOverdue;
+
     // 信用卡逾期
     private String cardOverdue;
 
+    // BP_信用卡逾期
+    private String bpCardOverdue;
+
     // BP_灰名单与逾期
     private String bpGreyOverdue;
 
@@ -190,6 +202,9 @@ public class ModelRetailOutputFields {
     // 参考利率
     private String referenceRate;
 
+    // 行社下调BP
+    private String branchBp;
+
     @TableField(fill = FieldFill.INSERT)
     private Date createTime;
 }

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/LoanPricingModelService.java

@@ -102,11 +102,25 @@ public class LoanPricingModelService {
 
     private void normalizePersonalModelInvokeDTO(ModelInvokeDTO modelInvokeDTO)
     {
+        modelInvokeDTO.setLoanPurpose(toPersonalModelLoanPurpose(modelInvokeDTO.getLoanPurpose()));
         modelInvokeDTO.setBizProof(toZeroOne(modelInvokeDTO.getBizProof()));
         modelInvokeDTO.setLoanLoop(toZeroOne(modelInvokeDTO.getLoanLoop()));
         modelInvokeDTO.setCollThirdParty(toZeroOne(modelInvokeDTO.getCollThirdParty()));
     }
 
+    private String toPersonalModelLoanPurpose(String value)
+    {
+        if ("business".equals(value))
+        {
+            return "经营";
+        }
+        if ("consumer".equals(value))
+        {
+            return "消费";
+        }
+        return value;
+    }
+
     private void normalizeCorporateModelInvokeDTO(ModelInvokeDTO modelInvokeDTO)
     {
         modelInvokeDTO.setCollThirdParty(toZeroOne(modelInvokeDTO.getCollThirdParty()));

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImpl.java

@@ -139,8 +139,8 @@ public class LoanPricingWorkflowServiceImpl implements ILoanPricingWorkflowServi
 
     private void validatePersonalCollateralType(LoanPricingWorkflow workflow) {
         if ("抵押".equals(workflow.getGuarType())
-                && !isOneOf(workflow.getCollType(), "一线", "一类", "二类", "三类")) {
-            throw new ServiceException("个人抵押抵质押类型必须是：一线、一类、二类、三类之一");
+                && !isOneOf(workflow.getCollType(), "一类", "二类", "三类", "四类")) {
+            throw new ServiceException("个人抵押抵质押类型必须是：一类、二类、三类、四类之一");
         }
         if ("质押".equals(workflow.getGuarType())
                 && !isOneOf(workflow.getCollType(), "存单质押", "其他质押")) {
@@ -150,8 +150,8 @@ public class LoanPricingWorkflowServiceImpl implements ILoanPricingWorkflowServi
 
     private void validateCorporateCollateralType(LoanPricingWorkflow workflow) {
         if ("抵押".equals(workflow.getGuarType())
-                && !isOneOf(workflow.getCollType(), "一类", "二类", "三类", "四类", "排污权抵押", "设备等其他不动产抵押")) {
-            throw new ServiceException("企业抵押抵质押类型必须是：一类、二类、三类、四类、排污权抵押、设备等其他不动产抵押之一");
+                && !isOneOf(workflow.getCollType(), "一类", "二类", "三类", "排污权抵押", "其他不动产抵押")) {
+            throw new ServiceException("企业抵押抵质押类型必须是：一类、二类、三类、排污权抵押、其他不动产抵押之一");
         }
         if ("质押".equals(workflow.getGuarType())
                 && !isOneOf(workflow.getCollType(), "存单质押", "股权质押", "其他质押")) {
@@ -242,12 +242,16 @@ public class LoanPricingWorkflowServiceImpl implements ILoanPricingWorkflowServi
                 .set(LoanPricingWorkflow::getIdNum, editingWorkflow.getIdNum())
                 .set(LoanPricingWorkflow::getGuarType, editingWorkflow.getGuarType())
                 .set(LoanPricingWorkflow::getApplyAmt, editingWorkflow.getApplyAmt())
+                .set(LoanPricingWorkflow::getLoanPurpose, editingWorkflow.getLoanPurpose())
                 .set(LoanPricingWorkflow::getBusinessType, editingWorkflow.getBusinessType())
                 .set(LoanPricingWorkflow::getLoanRateHistory, editingWorkflow.getLoanRateHistory())
                 .set(LoanPricingWorkflow::getCouponRate, editingWorkflow.getCouponRate())
                 .set(LoanPricingWorkflow::getLoanTerm, editingWorkflow.getLoanTerm())
+                .set(LoanPricingWorkflow::getCollateralNature, editingWorkflow.getCollateralNature())
+                .set(LoanPricingWorkflow::getIsNineArea, editingWorkflow.getIsNineArea())
                 .set(LoanPricingWorkflow::getCollType, editingWorkflow.getCollType())
                 .set(LoanPricingWorkflow::getCollThirdParty, editingWorkflow.getCollThirdParty())
+                .set(LoanPricingWorkflow::getBizProof, editingWorkflow.getBizProof())
                 .set(LoanPricingWorkflow::getLoanLoop, editingWorkflow.getLoanLoop())
                 .set(LoanPricingWorkflow::getResCover, editingWorkflow.getResCover())
                 .set(LoanPricingWorkflow::getRepayMethod, editingWorkflow.getRepayMethod())

ruoyi-loan-pricing/src/main/java/com/ruoyi/loanpricing/util/LoanPricingConverter.java

@@ -28,13 +28,17 @@ public class LoanPricingConverter {
         entity.setIdNum(dto.getIdNum());
         entity.setGuarType(dto.getGuarType());
         entity.setApplyAmt(dto.getApplyAmt());
+        entity.setLoanPurpose(dto.getLoanPurpose());
         entity.setBusinessType(dto.getBusinessType());
         entity.setLoanRateHistory(dto.getLoanRateHistory());
         entity.setCouponRate(dto.getCouponRate());
         entity.setLoanTerm(dto.getLoanTerm());
+        entity.setCollateralNature(dto.getCollateralNature());
+        entity.setIsNineArea(dto.getIsNineArea());
         entity.setCollType(dto.getCollType());
         entity.setCollThirdParty(dto.getCollThirdParty());
         // 映射个人特有字段
+        entity.setBizProof(dto.getBizProof());
         entity.setLoanLoop(dto.getLoanLoop());
         return entity;
     }
@@ -60,6 +64,8 @@ public class LoanPricingConverter {
         entity.setCouponRate(dto.getCouponRate());
         entity.setResCover(dto.getResCover());
         entity.setRepayMethod(dto.getRepayMethod());
+        entity.setCollateralNature(dto.getCollateralNature());
+        entity.setIsNineArea(dto.getIsNineArea());
         entity.setCollType(dto.getCollType());
         entity.setCollThirdParty(dto.getCollThirdParty());
         entity.setIsGreenLoan(dto.getIsGreenLoan());

ruoyi-loan-pricing/src/main/resources/data/corp_output.json

@@ -20,13 +20,13 @@
     "loanAvg": "3000000.00",
     "derivationRate": "1.8",
     "totalBpContribution": "12.3",
-    "midEntConnect": "1",
-    "midEntEffect": "1",
-    "midEntInter": "1",
-    "midEntAccept": "1",
-    "midEntDiscount": "1",
-    "midEntEleDdc": "1",
-    "midEntWaterDdc": "1",
+    "midEntConnect": "-2",
+    "midEntEffect": "0",
+    "midEntInter": "-3",
+    "midEntAccept": "0",
+    "midEntDiscount": "-1",
+    "midEntEleDdc": "0",
+    "midEntWaterDdc": "-1",
     "bpMid": "6.8",
     "payroll": "200",
     "invLoanAmount": "2500000.00",
@@ -45,8 +45,13 @@
     "collThirdParty": "0",
     "bpCollateral": "4.5",
     "greyCust": "0",
+    "blackCust": "1",
     "prinOverdue": "0",
-    "interestOverdue": "0",
+    "bpPrinOverdue": "0",
+    "interestOverdue": "3",
+    "bpIinterestOverdue": "0",
+    "cardOverdue": "0",
+    "bpCardOverdue": "0",
     "bpGreyOverdue": "0",
     "totalBpRisk": "1.2",
     "totalBp": "48.2",
@@ -56,7 +61,8 @@
     "minRateProduct": "3.10",
     "smoothRange": "-0.20",
     "finalCalculateRate": "3.732",
-    "referenceRate": "3.432"
+    "referenceRate": "3.432",
+    "branchBp": "-5"
   },
   "extensionMap": {},
   "reasonMessage": "Running successfully",

ruoyi-loan-pricing/src/main/resources/data/retail_output.json

@@ -22,18 +22,18 @@
     "loanAvg": "100000.00",
     "derivationRate": "1.2",
     "totalBpContribution": "88",
-    "midPerCard": "1000.50",
-    "midPerPass": "500.00",
-    "midPerHarvest": "800.20",
-    "midPerEffect": "是",
-    "midPerQuickPay": "300.00",
-    "midPerEleDdc": "150.00",
-    "midPerWaterDdc": "80.00",
-    "midPerHuashuDdc": "120.00",
-    "MidPerGasDdc": "90.00",
-    "midPerCitizencard": "200.00",
-    "midPerFinMan": "5000.00",
-    "midPerEtc": "180.00",
+    "midPerCard": "-2",
+    "midPerPass": "0",
+    "midPerHarvest": "-3",
+    "midPerEffect": "0",
+    "midPerQuickPay": "-1",
+    "midPerEleDdc": "0",
+    "midPerWaterDdc": "-1",
+    "midPerHuashuDdc": "0",
+    "MidPerGasDdc": "-1",
+    "midPerCitizencard": "0",
+    "midPerFinMan": "-4",
+    "midPerEtc": "0",
     "bpMid": "45",
     "totalBpRelevance": "90",
     "applyAmt": "200000.00",
@@ -47,9 +47,13 @@
     "collThirdParty": "否",
     "bpCollateral": "0",
     "greyCust": "否",
+    "blackCust": "否",
     "prinOverdue": "否",
+    "bpPrinOverdue": "0",
     "interestOverdue": "否",
+    "bpIinterestOverdue": "0",
     "cardOverdue": "否",
+    "bpCardOverdue": "0",
     "bpGreyOverdue": "98",
     "totalBpRisk": "95",
     "totalBp": "350",
@@ -58,7 +62,8 @@
     "minRateProduct": "5.50",
     "smoothRange": "-0.10",
     "finalCalculateRate": "6.05",
-    "referenceRate": "5.95"
+    "referenceRate": "5.95",
+    "branchBp": "-8"
   },
   "extensionMap": {},
   "reasonMessage": "Running successfully",

ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/domain/entity/ModelRetailOutputFieldsTest.java

@@ -23,5 +23,10 @@ class ModelRetailOutputFieldsTest
         assertTrue(fieldNames.contains("finalCalculateRate"), "缺少字段 finalCalculateRate");
         assertTrue(fieldNames.contains("referenceRate"), "缺少字段 referenceRate");
         assertTrue(fieldNames.contains("greyBlackCust"), "缺少字段 greyBlackCust");
+        assertTrue(fieldNames.contains("blackCust"), "缺少字段 blackCust");
+        assertTrue(fieldNames.contains("branchBp"), "缺少字段 branchBp");
+        assertTrue(fieldNames.contains("bpPrinOverdue"), "缺少字段 bpPrinOverdue");
+        assertTrue(fieldNames.contains("bpIinterestOverdue"), "缺少字段 bpIinterestOverdue");
+        assertTrue(fieldNames.contains("bpCardOverdue"), "缺少字段 bpCardOverdue");
     }
 }

ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServicePersonalParamsTest.java

@@ -18,8 +18,6 @@ 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.assertNull;
-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;
@@ -44,28 +42,28 @@ class LoanPricingModelServicePersonalParamsTest {
     private LoanPricingModelService loanPricingModelService;
 
     @Test
-    void shouldRemoveLoanPurposeAndKeepLoanTermInPersonalCreateDto() throws NoSuchFieldException {
-        assertThrows(NoSuchFieldException.class,
-                () -> PersonalLoanPricingCreateDTO.class.getDeclaredField("loanPurpose"));
-        assertThrows(NoSuchFieldException.class,
-                () -> PersonalLoanPricingCreateDTO.class.getDeclaredField("bizProof"));
+    void shouldContainLoanPurposeAndPersonalModelFieldsInCreateDto() throws NoSuchFieldException {
+        assertNotNull(PersonalLoanPricingCreateDTO.class.getDeclaredField("loanPurpose"));
+        assertNotNull(PersonalLoanPricingCreateDTO.class.getDeclaredField("bizProof"));
         assertNotNull(PersonalLoanPricingCreateDTO.class.getDeclaredField("loanTerm"));
     }
 
     @Test
-    void shouldNotMapLoanPurposeAndBizProofFromPersonalDto() {
+    void shouldMapLoanPurposeAndBizProofFromPersonalDto() {
         PersonalLoanPricingCreateDTO dto = new PersonalLoanPricingCreateDTO();
         dto.setCustIsn("CUST001");
         dto.setCustName("张三");
         dto.setGuarType("信用");
         dto.setApplyAmt("100000");
+        dto.setLoanPurpose("business");
         dto.setBusinessType("新增");
         dto.setLoanTerm("3");
+        dto.setBizProof("1");
 
         LoanPricingWorkflow workflow = LoanPricingConverter.toEntity(dto);
 
-        assertNull(workflow.getLoanPurpose());
-        assertNull(workflow.getBizProof());
+        assertEquals("business", workflow.getLoanPurpose());
+        assertEquals("1", workflow.getBizProof());
         assertEquals("3", workflow.getLoanTerm());
     }
 
@@ -89,7 +87,9 @@ class LoanPricingModelServicePersonalParamsTest {
         workflow.setIdNum("110101199001011234");
         workflow.setGuarType("信用");
         workflow.setApplyAmt("100000");
+        workflow.setLoanPurpose("consumer");
         workflow.setLoanTerm("3");
+        workflow.setBizProof("true");
         workflow.setLoanLoop("false");
         workflow.setCollThirdParty("true");
         workflow.setCollType("一类");
@@ -113,9 +113,27 @@ class LoanPricingModelServicePersonalParamsTest {
                         && Objects.equals("110101199001011234", dto.getIdNum())
                         && Objects.equals("信用", dto.getGuarType())
                         && Objects.equals("100000", dto.getApplyAmt())
+                        && Objects.equals("消费", 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())));
     }
+
+    @Test
+    void shouldConvertBusinessLoanPurposeForPersonalModel() {
+        LoanPricingWorkflow workflow = new LoanPricingWorkflow();
+        workflow.setId(2L);
+        workflow.setCustType("个人");
+        workflow.setLoanPurpose("business");
+
+        when(loanPricingWorkflowMapper.selectById(2L)).thenReturn(workflow);
+        when(modelService.invokePersonalModel(any())).thenReturn(new ModelRetailOutputFields());
+
+        loanPricingModelService.invokeModelAsync(2L);
+
+        verify(modelService).invokePersonalModel(argThat((ModelInvokeDTO dto) ->
+                Objects.equals("经营", dto.getLoanPurpose())));
+    }
 }

ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/LoanPricingModelServiceTest.java

@@ -29,6 +29,7 @@ class LoanPricingModelServiceTest
         assertEquals("张三", context.modelService.personalRequest.getCustName());
         assertEquals("110101199001011234", context.modelService.personalRequest.getIdNum());
         assertEquals("2.15", context.modelService.personalRequest.getCouponRate());
+        assertEquals("1", context.modelService.personalRequest.getBizProof());
         assertEquals(1, context.modelService.personalCalls.get());
         assertEquals(0, context.modelService.corporateCalls.get());
         assertEquals(1, context.retailInsertCount.get());
@@ -105,6 +106,7 @@ class LoanPricingModelServiceTest
         workflow.setCustName("张三");
         workflow.setIdNum("110101199001011234");
         workflow.setCouponRate("2.15");
+        workflow.setBizProof("true");
         return workflow;
     }
 

ruoyi-loan-pricing/src/test/java/com/ruoyi/loanpricing/service/impl/LoanPricingWorkflowServiceImplTest.java

@@ -290,36 +290,67 @@ class LoanPricingWorkflowServiceImplTest
     }
 
     @Test
-    void shouldAllowPersonalMortgageOneLineAndRejectOldOther()
+    void shouldAllowPersonalMortgageFourthCategoryAndRejectOldFirstLine()
     {
         LoanPricingWorkflow allowedWorkflow = validWorkflow();
         allowedWorkflow.setCustType("个人");
         allowedWorkflow.setGuarType("抵押");
-        allowedWorkflow.setCollType("一线");
+        allowedWorkflow.setCollType("四类");
 
         loanPricingWorkflowService.createLoanPricing(allowedWorkflow);
 
         LoanPricingWorkflow rejectedWorkflow = validWorkflow();
         rejectedWorkflow.setCustType("个人");
         rejectedWorkflow.setGuarType("抵押");
-        rejectedWorkflow.setCollType("其他");
+        rejectedWorkflow.setCollType("一线");
 
         ServiceException exception = assertThrows(ServiceException.class,
                 () -> loanPricingWorkflowService.createLoanPricing(rejectedWorkflow));
 
-        assertEquals("个人抵押抵质押类型必须是：一线、一类、二类、三类之一", exception.getMessage());
+        assertEquals("个人抵押抵质押类型必须是：一类、二类、三类、四类之一", exception.getMessage());
     }
 
     @Test
-    void shouldAllowCorporateMortgagePollutionRightAndPledgeEquity()
+    void shouldAllowCorporateNewMortgageTypesAndRejectOldMortgageTypes()
     {
-        LoanPricingWorkflow mortgageWorkflow = validWorkflow();
-        mortgageWorkflow.setCustType("企业");
-        mortgageWorkflow.setGuarType("抵押");
-        mortgageWorkflow.setCollType("排污权抵押");
+        LoanPricingWorkflow pollutionRightWorkflow = validWorkflow();
+        pollutionRightWorkflow.setCustType("企业");
+        pollutionRightWorkflow.setGuarType("抵押");
+        pollutionRightWorkflow.setCollType("排污权抵押");
 
-        loanPricingWorkflowService.createLoanPricing(mortgageWorkflow);
+        loanPricingWorkflowService.createLoanPricing(pollutionRightWorkflow);
 
+        LoanPricingWorkflow otherRealEstateWorkflow = validWorkflow();
+        otherRealEstateWorkflow.setCustType("企业");
+        otherRealEstateWorkflow.setGuarType("抵押");
+        otherRealEstateWorkflow.setCollType("其他不动产抵押");
+
+        loanPricingWorkflowService.createLoanPricing(otherRealEstateWorkflow);
+
+        LoanPricingWorkflow oldFourthCategoryWorkflow = validWorkflow();
+        oldFourthCategoryWorkflow.setCustType("企业");
+        oldFourthCategoryWorkflow.setGuarType("抵押");
+        oldFourthCategoryWorkflow.setCollType("四类");
+
+        ServiceException fourthCategoryException = assertThrows(ServiceException.class,
+                () -> loanPricingWorkflowService.createLoanPricing(oldFourthCategoryWorkflow));
+
+        LoanPricingWorkflow oldOtherRealEstateWorkflow = validWorkflow();
+        oldOtherRealEstateWorkflow.setCustType("企业");
+        oldOtherRealEstateWorkflow.setGuarType("抵押");
+        oldOtherRealEstateWorkflow.setCollType("设备等其他不动产抵押");
+
+        ServiceException otherRealEstateException = assertThrows(ServiceException.class,
+                () -> loanPricingWorkflowService.createLoanPricing(oldOtherRealEstateWorkflow));
+
+        String expectedMessage = "企业抵押抵质押类型必须是：一类、二类、三类、排污权抵押、其他不动产抵押之一";
+        assertEquals(expectedMessage, fourthCategoryException.getMessage());
+        assertEquals(expectedMessage, otherRealEstateException.getMessage());
+    }
+
+    @Test
+    void shouldKeepCorporatePledgeTypesUnchanged()
+    {
         LoanPricingWorkflow pledgeWorkflow = validWorkflow();
         pledgeWorkflow.setCustType("企业");
         pledgeWorkflow.setGuarType("质押");
@@ -339,7 +370,7 @@ class LoanPricingWorkflowServiceImplTest
     }
 
     @Test
-    void shouldCreatePersonalWorkflowWithCouponRateAndWithoutRemovedFields()
+    void shouldCreatePersonalWorkflowWithCouponRateAndBizProof()
     {
         PersonalLoanPricingCreateDTO dto = new PersonalLoanPricingCreateDTO();
         dto.setCustIsn("CUST001");
@@ -349,6 +380,7 @@ class LoanPricingWorkflowServiceImplTest
         dto.setLoanTerm("3");
         dto.setCollType("存单质押");
         dto.setCouponRate("2.15");
+        dto.setBizProof("1");
 
         loanPricingWorkflowService.createPersonalLoanPricing(dto);
 
@@ -356,7 +388,7 @@ class LoanPricingWorkflowServiceImplTest
                 Objects.equals("个人", entity.getCustType())
                         && Objects.equals("2.15", entity.getCouponRate())
                         && Objects.isNull(entity.getLoanPurpose())
-                        && Objects.isNull(entity.getBizProof())));
+                        && Objects.equals("1", entity.getBizProof())));
     }
 
     @Test
@@ -381,6 +413,48 @@ class LoanPricingWorkflowServiceImplTest
                         && Objects.equals("2.35", entity.getCouponRate())));
     }
 
+    @Test
+    void shouldCreatePersonalWorkflowWithMortgageSourceFields()
+    {
+        PersonalLoanPricingCreateDTO dto = new PersonalLoanPricingCreateDTO();
+        dto.setCustIsn("CUST001");
+        dto.setGuarType("抵押");
+        dto.setApplyAmt("100000");
+        dto.setBusinessType("新增");
+        dto.setLoanTerm("3");
+        dto.setCollateralNature("普通住宅、土地、厂房");
+        dto.setIsNineArea("是");
+        dto.setCollType("一类");
+
+        loanPricingWorkflowService.createPersonalLoanPricing(dto);
+
+        verify(loanPricingWorkflowMapper).insert(argThat((LoanPricingWorkflow entity) ->
+                Objects.equals("普通住宅、土地、厂房", entity.getCollateralNature())
+                        && Objects.equals("是", entity.getIsNineArea())
+                        && Objects.equals("一类", entity.getCollType())));
+    }
+
+    @Test
+    void shouldCreateCorporateWorkflowWithMortgageSourceFields()
+    {
+        CorporateLoanPricingCreateDTO dto = new CorporateLoanPricingCreateDTO();
+        dto.setCustIsn("CORP001");
+        dto.setGuarType("抵押");
+        dto.setApplyAmt("1000000");
+        dto.setBusinessType("新增");
+        dto.setLoanTerm("5");
+        dto.setCollateralNature("商业性质不动产");
+        dto.setIsNineArea("否");
+        dto.setCollType("三类");
+
+        loanPricingWorkflowService.createCorporateLoanPricing(dto);
+
+        verify(loanPricingWorkflowMapper).insert(argThat((LoanPricingWorkflow entity) ->
+                Objects.equals("商业性质不动产", entity.getCollateralNature())
+                        && Objects.equals("否", entity.getIsNineArea())
+                        && Objects.equals("三类", entity.getCollType())));
+    }
+
     @Test
     void shouldReturnEditableWorkflowWithPlainSensitiveFieldsForCreator()
     {
@@ -420,11 +494,16 @@ class LoanPricingWorkflowServiceImplTest
         dto.setCustName("张三");
         dto.setIdType("身份证");
         dto.setIdNum("110101199001019999");
-        dto.setGuarType("信用");
+        dto.setGuarType("抵押");
         dto.setApplyAmt("200000");
+        dto.setLoanPurpose("business");
         dto.setBusinessType("新增");
         dto.setLoanTerm("3");
         dto.setLoanLoop("1");
+        dto.setBizProof("1");
+        dto.setCollateralNature("普通住宅、土地、厂房");
+        dto.setIsNineArea("是");
+        dto.setCollType("一类");
 
         loanPricingWorkflowService.updatePersonalLoanPricing("P20260525001", dto);
 
@@ -432,10 +511,18 @@ class LoanPricingWorkflowServiceImplTest
         verify(loanPricingWorkflowMapper).update(any(), updateWrapperCaptor.capture());
         String sqlSet = updateWrapperCaptor.getValue().getSqlSet();
         assertTrue(sqlSet.contains("apply_amt"));
+        assertTrue(sqlSet.contains("loan_purpose"));
         assertTrue(sqlSet.contains("cust_name"));
         assertTrue(sqlSet.contains("id_num"));
+        assertTrue(sqlSet.contains("biz_proof"));
+        assertTrue(sqlSet.contains("collateral_nature"));
+        assertTrue(sqlSet.contains("is_nine_area"));
         assertTrue(updateWrapperCaptor.getValue().getParamNameValuePairs().containsValue("张三"));
         assertTrue(updateWrapperCaptor.getValue().getParamNameValuePairs().containsValue("110101199001019999"));
+        assertTrue(updateWrapperCaptor.getValue().getParamNameValuePairs().containsValue("普通住宅、土地、厂房"));
+        assertTrue(updateWrapperCaptor.getValue().getParamNameValuePairs().containsValue("business"));
+        assertTrue(updateWrapperCaptor.getValue().getParamNameValuePairs().containsValue("是"));
+        assertTrue(updateWrapperCaptor.getValue().getParamNameValuePairs().containsValue("1"));
         verify(sensitiveFieldCryptoService, never()).encrypt(any());
         verify(loanPricingModelService).reinvokeModelAndOverwrite(101L);
     }

ruoyi-ui/src/views/loanPricing/workflow/components/CorporateCreateDialog.vue

@@ -100,7 +100,33 @@
       <!-- 抵质押信息 -->
       <el-divider v-if="isCollateralGuarantee" content-position="left">抵质押信息</el-divider>
       <el-row v-if="isCollateralGuarantee">
-        <el-col :span="12">
+        <template v-if="isMortgage">
+          <el-col :span="12">
+            <el-form-item label="抵押物性质" prop="collateralNature">
+              <el-select v-model="form.collateralNature" placeholder="请选择抵押物性质" style="width: 100%">
+                <el-option v-for="item in collateralNatureOptions" :key="item" :label="item" :value="item"/>
+              </el-select>
+            </el-form-item>
+          </el-col>
+          <el-col :span="12">
+            <el-form-item label="是否属于九地" prop="isNineArea">
+              <div class="nine-area-control">
+                <el-select
+                  v-model="form.isNineArea"
+                  :disabled="!requiresNineArea"
+                  :placeholder="requiresNineArea ? '请选择是否属于九地' : '无需选择'"
+                >
+                  <el-option label="是" value="是"/>
+                  <el-option label="否" value="否"/>
+                </el-select>
+                <el-tooltip content="九地是指绍兴、杭州、宁波、上海、北京、广州、深圳、南京、苏州" placement="top">
+                  <i class="el-icon-question nine-area-help" tabindex="0" aria-label="查看九地说明"></i>
+                </el-tooltip>
+              </div>
+            </el-form-item>
+          </el-col>
+        </template>
+        <el-col :span="12" v-if="isPledge">
           <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 v-for="item in collateralTypeOptions" :key="item" :label="item" :value="item"/>
@@ -181,6 +207,30 @@ export default {
       callback()
     }
 
+    const validateCollateralType = (rule, value, callback) => {
+      if (this.isPledge && !value) {
+        callback(new Error('请选择抵质押类型'))
+        return
+      }
+      callback()
+    }
+
+    const validateCollateralNature = (rule, value, callback) => {
+      if (this.isMortgage && !value) {
+        callback(new Error('请选择抵押物性质'))
+        return
+      }
+      callback()
+    }
+
+    const validateNineArea = (rule, value, callback) => {
+      if (this.requiresNineArea && !value) {
+        callback(new Error('请选择是否属于九地'))
+        return
+      }
+      callback()
+    }
+
     // 贷款期限验证
     const validateLoanTerm = (rule, value, callback) => {
       if (!value && value !== 0) {
@@ -221,6 +271,8 @@ export default {
         isGreenLoan: false,
         isTradeBuildEnt: false,
         collType: undefined,
+        collateralNature: undefined,
+        isNineArea: undefined,
         collThirdParty: false,
         couponRate: undefined
       },
@@ -255,7 +307,13 @@ export default {
           {required: true, message: "请选择历史贷款合同", trigger: "change"}
         ],
         collType: [
-          {required: true, message: "请选择抵质押类型", trigger: "change"}
+          {validator: validateCollateralType, trigger: "change"}
+        ],
+        collateralNature: [
+          {validator: validateCollateralNature, trigger: "change"}
+        ],
+        isNineArea: [
+          {validator: validateNineArea, trigger: "change"}
         ],
         couponRate: [
           {validator: validateCouponRate, trigger: "blur"}
@@ -275,6 +333,15 @@ export default {
     isCollateralGuarantee() {
       return this.form.guarType === '抵押' || this.form.guarType === '质押'
     },
+    isMortgage() {
+      return this.form.guarType === '抵押'
+    },
+    isPledge() {
+      return this.form.guarType === '质押'
+    },
+    requiresNineArea() {
+      return this.isMortgage && ['普通住宅、土地、厂房', '商业性质不动产'].includes(this.form.collateralNature)
+    },
     isStockTransfer() {
       return this.form.businessType === '存量转贷'
     },
@@ -288,13 +355,13 @@ export default {
       return this.isEdit ? '编辑企业利率定价流程' : '新增企业利率定价流程'
     },
     collateralTypeOptions() {
-      if (this.form.guarType === '抵押') {
-        return ['一类', '二类', '三类', '四类', '排污权抵押', '设备等其他不动产抵押']
-      }
-      if (this.form.guarType === '质押') {
+      if (this.isPledge) {
         return ['存单质押', '股权质押', '其他质押']
       }
       return []
+    },
+    collateralNatureOptions() {
+      return ['普通住宅、土地、厂房', '商业性质不动产', '排污权', '其他不动产']
     }
   },
   watch: {
@@ -316,6 +383,12 @@ export default {
         return
       }
       this.resetCouponRateIfNotCertificatePledge()
+    },
+    'form.collateralNature'(val, oldVal) {
+      if (this.resettingForm || val === oldVal) {
+        return
+      }
+      this.handleCollateralNatureChange()
     }
   },
   methods: {
@@ -353,7 +426,9 @@ export default {
           resCover: this.isOne(this.editData.resCover),
           isGreenLoan: this.isOne(this.editData.isGreenLoan),
           isTradeBuildEnt: this.isOne(this.editData.isTradeBuildEnt),
-          collType: this.editData.collType,
+          collType: this.editData.guarType === '质押' ? this.editData.collType : undefined,
+          collateralNature: this.editData.collateralNature,
+          isNineArea: this.editData.isNineArea,
           collThirdParty: this.isOne(this.editData.collThirdParty),
           couponRate: this.editData.couponRate
         }
@@ -374,6 +449,8 @@ export default {
         isGreenLoan: false,
         isTradeBuildEnt: false,
         collType: undefined,
+        collateralNature: undefined,
+        isNineArea: undefined,
         collThirdParty: false,
         couponRate: undefined
       }
@@ -393,14 +470,38 @@ export default {
     /** 清空抵质押字段 */
     resetCollateralFields() {
       this.form.collType = undefined
+      this.form.collateralNature = undefined
+      this.form.isNineArea = undefined
       this.form.collThirdParty = false
       this.resetCouponRateIfNotCertificatePledge()
       this.$nextTick(() => {
         if (this.$refs.form) {
-          this.$refs.form.clearValidate(['collType', 'collThirdParty', 'couponRate'])
+          this.$refs.form.clearValidate(['collType', 'collateralNature', 'isNineArea', 'collThirdParty', 'couponRate'])
         }
       })
     },
+    handleCollateralNatureChange() {
+      this.form.isNineArea = undefined
+      this.$nextTick(() => {
+        if (this.$refs.form) {
+          this.$refs.form.clearValidate(['isNineArea'])
+        }
+      })
+    },
+    resolveMortgageCollateralType() {
+      if (this.form.collateralNature === '普通住宅、土地、厂房') {
+        return this.form.isNineArea === '是' ? '一类' : '二类'
+      }
+      if (this.form.collateralNature === '商业性质不动产') {
+        return this.form.isNineArea === '是' ? '二类' : '三类'
+      }
+      if (this.form.collateralNature === '排污权') {
+        return '排污权抵押'
+      }
+      if (this.form.collateralNature === '其他不动产') {
+        return '其他不动产抵押'
+      }
+    },
     resetCouponRateIfNotCertificatePledge() {
       if (!this.isCertificatePledge) {
         this.form.couponRate = undefined
@@ -472,6 +573,12 @@ export default {
             isGreenLoan: this.form.isGreenLoan ? '1' : '0',
             isTradeBuildEnt: this.form.isTradeBuildEnt ? '1' : '0'
           }
+          if (this.isMortgage) {
+            data.collType = this.resolveMortgageCollateralType()
+          } else {
+            delete data.collateralNature
+            delete data.isNineArea
+          }
           if (this.isCollateralGuarantee) {
             data.collThirdParty = this.form.collThirdParty ? '1' : '0'
           } else {
@@ -512,6 +619,24 @@ export default {
   font-size: 14px;
 }
 
+.nine-area-control {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+}
+
+.nine-area-control .el-select {
+  flex: 1;
+  min-width: 0;
+}
+
+.nine-area-help {
+  flex: 0 0 auto;
+  color: #909399;
+  cursor: help;
+  font-size: 16px;
+}
+
 @media screen and (max-width: 768px) {
   .workflow-create-form .el-col {
     width: 100% !important;

ruoyi-ui/src/views/loanPricing/workflow/components/CorporateWorkflowDetail.vue

@@ -13,14 +13,10 @@
             <el-descriptions-item label="客户名称">{{ detailData.custName }}</el-descriptions-item>
             <el-descriptions-item label="客户类型">{{ detailData.custType }}</el-descriptions-item>
             <el-descriptions-item label="申请金额">{{ detailData.applyAmt }} 元</el-descriptions-item>
-            <el-descriptions-item label="基准利率">
-              <span class="rate-value">{{ getBaseLoanRate() }}</span> %
-            </el-descriptions-item>
-            <el-descriptions-item label="浮动BP">
-              <span class="total-bp-value">{{ getTotalBp() }}</span>
-            </el-descriptions-item>
-            <el-descriptions-item label="最终测算利率">
-              <span class="calculate-rate">{{ getCalculateRate() }}</span> %
+            <el-descriptions-item label="期限">{{ detailData.loanTerm || '-' }}</el-descriptions-item>
+            <el-descriptions-item label="担保方式">{{ detailData.guarType || '-' }}</el-descriptions-item>
+            <el-descriptions-item label="产品最低利率下限">
+              <span class="rate-value">{{ formatRate(corpOutput && corpOutput.minRateProduct) }}</span> %
             </el-descriptions-item>
             <el-descriptions-item label="执行利率">
               <div class="execute-rate-input-wrapper">
@@ -46,13 +42,6 @@
 
       <!-- 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">
@@ -64,11 +53,10 @@
             <h4 class="section-title">基本信息</h4>
             <el-descriptions :column="2" border>
               <el-descriptions-item label="机构编码">{{ detailData.orgCode }}</el-descriptions-item>
-              <el-descriptions-item label="运行模式">{{ detailData.runType }}</el-descriptions-item>
               <el-descriptions-item label="客户内码">{{ detailData.custIsn }}</el-descriptions-item>
+              <el-descriptions-item label="客户名称">{{ detailData.custName }}</el-descriptions-item>
               <el-descriptions-item label="证件类型">{{ detailData.idType }}</el-descriptions-item>
               <el-descriptions-item label="证件号码">{{ detailData.idNum }}</el-descriptions-item>
-              <el-descriptions-item label="贷款期限">{{ detailData.loanTerm || '-' }}</el-descriptions-item>
               <el-descriptions-item label="创建时间">{{ detailData.createTime }}</el-descriptions-item>
               <el-descriptions-item label="创建者">{{ detailData.createBy }}</el-descriptions-item>
             </el-descriptions>
@@ -81,10 +69,17 @@
               <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="业务种类">{{ detailData.businessType || '-' }}</el-descriptions-item>
+              <el-descriptions-item label="贷款期限">{{ detailData.loanTerm || '-' }}</el-descriptions-item>
               <el-descriptions-item label="历史贷款利率">{{ formatRate(detailData.loanRateHistory) }}</el-descriptions-item>
               <el-descriptions-item label="余值覆盖">{{ formatBoolean(detailData.resCover) }}</el-descriptions-item>
               <el-descriptions-item label="绿色贷款">{{ formatBoolean(detailData.isGreenLoan) }}</el-descriptions-item>
               <el-descriptions-item label="贸易和建筑业企业">{{ formatBoolean(detailData.isTradeBuildEnt) }}</el-descriptions-item>
+              <el-descriptions-item v-if="detailData.guarType === '抵押'" label="抵押物性质">
+                {{ detailData.collateralNature || '-' }}
+              </el-descriptions-item>
+              <el-descriptions-item v-if="detailData.guarType === '抵押'" label="是否属于九地">
+                {{ detailData.isNineArea || '-' }}
+              </el-descriptions-item>
               <el-descriptions-item label="抵质押类型">{{ detailData.collType || '-' }}</el-descriptions-item>
               <el-descriptions-item label="抵质押物是否三方所有">{{
                   formatBoolean(detailData.collThirdParty)
@@ -94,6 +89,14 @@
           </div>
         </el-card>
 
+        <!-- 模型输出卡片 -->
+        <ModelOutputDisplay
+          :cust-type="detailData.custType"
+          :guar-type="detailData.guarType"
+          :retail-output="null"
+          :corp-output="corpOutput"
+        />
+
         <!-- 议价池卡片 -->
         <BargainingPoolDisplay
           v-if="bargainingPool"
@@ -155,18 +158,6 @@ export default {
       if (value === 'false' || value === false || value === '0' || value === 0) return '否'
       return value || '-'
     },
-    /** 获取基准利率 */
-    getBaseLoanRate() {
-      return this.formatRate(this.corpOutput?.baseLoanRate)
-    },
-    /** 获取浮动BP */
-    getTotalBp() {
-      return this.corpOutput?.totalBp || '-'
-    },
-    /** 获取最终测算利率 */
-    getCalculateRate() {
-      return this.formatRate(this.corpOutput?.finalCalculateRate)
-    },
     /** 设定执行利率 */
     handleSetExecuteRate() {
       const value = this.executeRateInput
@@ -248,16 +239,6 @@ export default {
           font-weight: 500;
         }
 
-        .total-bp-value {
-          color: #e6a23c;
-          font-weight: 600;
-        }
-
-        .calculate-rate {
-          color: #f56c6c;
-          font-weight: 600;
-          font-size: 16px;
-        }
       }
     }
 

ruoyi-ui/src/views/loanPricing/workflow/components/CustomerMapSelector.vue

@@ -3,7 +3,8 @@
              :close-on-click-modal="false" @close="handleClose">
     <el-form :model="queryForm" inline size="small">
       <el-form-item label="客户号">
-        <el-input v-model="queryForm.custId" placeholder="请输入客户号" clearable @keyup.enter.native="handleQuery"/>
+        <el-input v-model="queryForm.custId" placeholder="请输入客户号" clearable
+                  @keydown.enter.native.prevent="handleQuery"/>
       </el-form-item>
       <el-form-item>
         <el-button type="primary" icon="el-icon-search" :loading="loading" @click="handleQuery">查询</el-button>

ruoyi-ui/src/views/loanPricing/workflow/components/ModelOutputDisplay.vue

@@ -6,203 +6,176 @@
     <div class="output-sections">
       <!-- 个人客户模型输出 -->
       <template v-if="custType === '个人' && retailOutput">
-        <div class="output-section">
-          <h4 class="section-title">基本信息</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="客户内码">{{ retailOutput.custIsn || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="客户名称">{{ retailOutput.custName || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="证件类型">{{ retailOutput.idType || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="证件号码">{{ retailOutput.idNum || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="基准利率"><span class="rate-value">{{ formatRate(retailOutput.baseLoanRate) }}</span> %</el-descriptions-item>
-            <el-descriptions-item label="灰黑名单客户">{{ formatOutputValue(retailOutput.greyBlackCust) }}</el-descriptions-item>
-          </el-descriptions>
-        </div>
-
         <div class="output-section">
           <h4 class="section-title">测算结果</h4>
-          <el-descriptions :column="2" border size="small">
+          <el-descriptions :column="3" border size="small">
+            <el-descriptions-item label="基准利率"><span class="rate-value">{{ formatRate(retailOutput.baseLoanRate) }}</span> %</el-descriptions-item>
             <el-descriptions-item label="浮动BP"><span class="total-bp-value">{{ retailOutput.totalBp || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="测算利率"><span class="calculate-rate">{{ formatRate(retailOutput.calculateRate) }}</span> %</el-descriptions-item>
+            <el-descriptions-item label="模型测算利率"><span class="calculate-rate">{{ formatRate(retailOutput.calculateRate) }}</span> %</el-descriptions-item>
             <el-descriptions-item label="历史利率">{{ formatRate(retailOutput.loanRateHistory) }}</el-descriptions-item>
-            <el-descriptions-item label="产品最低利率下限">{{ formatRate(retailOutput.minRateProduct) }}</el-descriptions-item>
             <el-descriptions-item label="平滑幅度">{{ formatRate(retailOutput.smoothRange) }}</el-descriptions-item>
+            <el-descriptions-item label="平滑利率"><span class="calculate-rate">{{ formatRate(retailOutput.finalCalculateRate) }}</span> %</el-descriptions-item>
+            <el-descriptions-item label="行社下调BP">{{ formatOutputValue(retailOutput.branchBp) }}</el-descriptions-item>
             <el-descriptions-item label="参考利率"><span class="calculate-rate">{{ formatRate(retailOutput.referenceRate) }}</span> %</el-descriptions-item>
-            <el-descriptions-item label="最终测算利率"><span class="calculate-rate">{{ formatRate(retailOutput.finalCalculateRate) }}</span> %</el-descriptions-item>
           </el-descriptions>
         </div>
 
         <div class="output-section">
           <h4 class="section-title">忠诚度分析</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="我行首贷客户">{{ formatBoolean(retailOutput.isFirstLoan) }}</el-descriptions-item>
-            <el-descriptions-item label="用信天数">{{ retailOutput.faithDay || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="客户年龄">{{ retailOutput.custAge || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="BP_首贷"><span class="bp-value">{{ retailOutput.bpFirstLoan || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="BP_贷龄"><span class="bp-value">{{ retailOutput.bpAgeLoan || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="BP_年龄"><span class="bp-value">{{ retailOutput.bpAge || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="TOTAL_BP_忠诚度" :span="2"><span class="total-bp-value">{{ retailOutput.totalBpLoyalty || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
+          <table class="output-analysis-table">
+            <colgroup><col class="result-column"><col class="bp-column"></colgroup>
+            <thead><tr><th>模型输出结果</th><th>影响BP</th></tr></thead>
+            <tbody>
+              <tr v-for="(row, index) in retailLoyaltyRows" :key="`retail-loyalty-${index}`" :class="{ 'is-total-row': row.total }">
+                <td><span v-if="row.summary">汇总</span><div v-else v-for="item in row.results" :key="item.label" class="result-item"><span class="result-label">{{ item.label }}</span><span class="result-value">{{ item.value }}</span></div></td>
+                <td><span :class="row.total ? 'total-bp-value' : 'bp-value'">{{ row.bpLabel }}：{{ row.bpValue }}</span></td>
+              </tr>
+            </tbody>
+          </table>
         </div>
 
         <div class="output-section">
           <h4 class="section-title">贡献度分析</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="存款年日均">{{ retailOutput.balanceAvg || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="贷款年日均">{{ retailOutput.loanAvg || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="派生率">{{ formatRate(retailOutput.derivationRate) }}</el-descriptions-item>
-            <el-descriptions-item label="TOTAL_BP_贡献度"><span class="total-bp-value">{{ retailOutput.totalBpContribution || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
+          <table class="output-analysis-table">
+            <colgroup><col class="result-column"><col class="bp-column"></colgroup>
+            <thead><tr><th>模型输出结果</th><th>影响BP</th></tr></thead>
+            <tbody>
+              <tr v-for="(row, index) in retailContributionRows" :key="`retail-contribution-${index}`" :class="{ 'is-total-row': row.total }">
+                <td><span v-if="row.summary">汇总</span><div v-else v-for="item in row.results" :key="item.label" class="result-item"><span class="result-label">{{ item.label }}</span><span class="result-value">{{ item.value }}</span></div></td>
+                <td>
+                  <span v-if="row.bpLabel" :class="row.total ? 'total-bp-value' : 'bp-value'">
+                    {{ row.bpLabel }}：{{ row.bpValue }}
+                    <el-tooltip v-if="row.bpTooltip" :content="row.bpTooltip" placement="top">
+                      <i class="el-icon-question analysis-help" tabindex="0" :aria-label="row.bpTooltipAriaLabel"></i>
+                    </el-tooltip>
+                  </span>
+                </td>
+              </tr>
+            </tbody>
+          </table>
         </div>
 
         <div class="output-section">
           <h4 class="section-title">关联度分析</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="中间业务_个人_信用卡">{{ formatBoolean(retailOutput.midPerCard) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_一码通">{{ formatBoolean(retailOutput.midPerPass) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_丰收互联">{{ formatBoolean(retailOutput.midPerHarvest) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_有效客户">{{ formatBoolean(retailOutput.midPerEffect) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_快捷支付">{{ formatBoolean(retailOutput.midPerQuickPay) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_电费代扣">{{ formatBoolean(retailOutput.midPerEleDdc) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_水费代扣">{{ formatBoolean(retailOutput.midPerWaterDdc) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_华数费代扣">{{ formatBoolean(retailOutput.midPerHuashuDdc) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_煤气费代扣">{{ formatBoolean(retailOutput.MidPerGasDdc) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_市民卡">{{ formatBoolean(retailOutput.midPerCitizencard) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_理财业务">{{ formatBoolean(retailOutput.midPerFinMan) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_个人_etc">{{ formatBoolean(retailOutput.midPerEtc) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_中间业务"><span class="bp-value">{{ retailOutput.bpMid || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="TOTAL_BP_关联度"><span class="total-bp-value">{{ retailOutput.totalBpRelevance || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
-        </div>
-
-        <div class="output-section">
-          <h4 class="section-title">贷款特征</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="申请金额">{{ retailOutput.applyAmt || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="BP_贷款额度"><span class="bp-value">{{ retailOutput.bpLoanAmount || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="贷款用途">{{ formatLoanPurpose(retailOutput.loanPurpose) }}</el-descriptions-item>
-            <el-descriptions-item label="是否有经营佐证">{{ formatBoolean(retailOutput.bizProof) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_贷款用途"><span class="bp-value">{{ retailOutput.bpLoanUse || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="循环功能">{{ formatBoolean(retailOutput.loanLoop) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_循环功能"><span class="bp-value">{{ retailOutput.bpLoanLoop || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="抵质押类型">{{ retailOutput.collType || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="抵质押物三方所有">{{ formatBoolean(retailOutput.collThirdParty) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_抵押物"><span class="bp-value">{{ retailOutput.bpCollateral || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
+          <table class="output-analysis-table">
+            <colgroup><col class="result-column"><col class="bp-column"></colgroup>
+            <thead><tr><th>模型输出结果</th><th>影响BP</th></tr></thead>
+            <tbody>
+              <tr v-for="(row, index) in retailRelevanceRows" :key="`retail-relevance-${index}`" :class="{ 'is-total-row': row.total }">
+                <td>
+                  <span v-if="row.summary">汇总</span>
+                  <div v-else v-for="item in row.results" :key="item.label" class="result-item">
+                    <span class="result-label">{{ item.label }}</span>
+                    <span v-if="item.showValue !== false" class="result-value">{{ item.value }}</span>
+                  </div>
+                </td>
+                <td>
+                  <span :class="row.total ? 'total-bp-value' : 'bp-value'">
+                    <template v-if="row.bpLabel">
+                      {{ row.bpLabel }}：
+                    </template>{{ row.bpValue }}
+                    <el-tooltip v-if="row.bpTooltip" :content="row.bpTooltip" placement="top">
+                      <i class="el-icon-question analysis-help" tabindex="0" :aria-label="row.bpTooltipAriaLabel"></i>
+                    </el-tooltip>
+                  </span>
+                </td>
+              </tr>
+            </tbody>
+          </table>
         </div>
 
         <div class="output-section">
           <h4 class="section-title">风险度分析</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="灰名单客户">{{ formatBoolean(retailOutput.greyCust) }}</el-descriptions-item>
-            <el-descriptions-item label="本金逾期">{{ formatBoolean(retailOutput.prinOverdue) }}</el-descriptions-item>
-            <el-descriptions-item label="利息逾期">{{ formatBoolean(retailOutput.interestOverdue) }}</el-descriptions-item>
-            <el-descriptions-item label="信用卡逾期">{{ formatBoolean(retailOutput.cardOverdue) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_灰名单与逾期"><span class="bp-value">{{ retailOutput.bpGreyOverdue || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="TOTAL_BP_风险度"><span class="total-bp-value">{{ retailOutput.totalBpRisk || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
+          <table class="output-analysis-table">
+            <colgroup><col class="result-column"><col class="bp-column"></colgroup>
+            <thead><tr><th>模型输出结果</th><th>影响BP</th></tr></thead>
+            <tbody>
+              <tr v-for="(row, index) in retailRiskRows" :key="`retail-risk-${index}`" :class="{ 'is-total-row': row.total }">
+                <td><span v-if="row.summary">汇总</span><div v-else v-for="item in row.results" :key="item.label" class="result-item"><span class="result-label">{{ item.label }}</span><span class="result-value">{{ item.value }}</span></div></td>
+                <td><span :class="row.total ? 'total-bp-value' : 'bp-value'">{{ row.bpLabel }}：{{ row.bpValue }}</span></td>
+              </tr>
+            </tbody>
+          </table>
         </div>
+
       </template>
 
       <!-- 企业客户模型输出 -->
       <template v-else-if="custType === '企业' && corpOutput">
-        <div class="output-section">
-          <h4 class="section-title">基本信息</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="客户内码">{{ corpOutput.custIsn || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="客户名称">{{ corpOutput.custName || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="证件类型">{{ corpOutput.idType || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="证件号码">{{ corpOutput.idNum || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="基准利率"><span class="rate-value">{{ formatRate(corpOutput.baseLoanRate) }}</span> %</el-descriptions-item>
-          </el-descriptions>
-        </div>
-
         <div class="output-section">
           <h4 class="section-title">测算结果</h4>
-          <el-descriptions :column="2" border size="small">
+          <el-descriptions :column="3" border size="small">
+            <el-descriptions-item label="基准利率"><span class="rate-value">{{ formatRate(corpOutput.baseLoanRate) }}</span> %</el-descriptions-item>
             <el-descriptions-item label="浮动BP"><span class="total-bp-value">{{ corpOutput.totalBp || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="测算利率"><span class="calculate-rate">{{ formatRate(corpOutput.calculateRate) }}</span> %</el-descriptions-item>
+            <el-descriptions-item label="模型测算利率"><span class="calculate-rate">{{ formatRate(corpOutput.calculateRate) }}</span> %</el-descriptions-item>
             <el-descriptions-item label="历史利率">{{ formatRate(corpOutput.loanRateHistory) }}</el-descriptions-item>
-            <el-descriptions-item label="产品最低利率下限">{{ formatRate(corpOutput.minRateProduct) }}</el-descriptions-item>
             <el-descriptions-item label="平滑幅度">{{ formatRate(corpOutput.smoothRange) }}</el-descriptions-item>
+            <el-descriptions-item label="平滑利率"><span class="calculate-rate">{{ formatRate(corpOutput.finalCalculateRate) }}</span> %</el-descriptions-item>
+            <el-descriptions-item label="行社下调BP">{{ formatOutputValue(corpOutput.branchBp) }}</el-descriptions-item>
             <el-descriptions-item label="参考利率"><span class="calculate-rate">{{ formatRate(corpOutput.referenceRate) }}</span> %</el-descriptions-item>
-            <el-descriptions-item label="最终测算利率"><span class="calculate-rate">{{ formatRate(corpOutput.finalCalculateRate) }}</span> %</el-descriptions-item>
           </el-descriptions>
         </div>
 
         <div class="output-section">
           <h4 class="section-title">忠诚度分析</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="我行首贷客户">{{ formatBoolean(corpOutput.isFirstLoan) }}</el-descriptions-item>
-            <el-descriptions-item label="用信天数">{{ corpOutput.faithDay || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="BP_首贷"><span class="bp-value">{{ corpOutput.bpFirstLoan || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="BP_贷龄"><span class="bp-value">{{ corpOutput.bpAgeLoan || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="TOTAL_BP_忠诚度" :span="2"><span class="total-bp-value">{{ corpOutput.totalBpLoyalty || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
+          <table class="output-analysis-table">
+            <colgroup><col class="result-column"><col class="bp-column"></colgroup>
+            <thead><tr><th>模型输出结果</th><th>影响BP</th></tr></thead>
+            <tbody>
+              <tr v-for="(row, index) in corporateLoyaltyRows" :key="`corporate-loyalty-${index}`" :class="{ 'is-total-row': row.total }">
+                <td><span v-if="row.summary">汇总</span><div v-else v-for="item in row.results" :key="item.label" class="result-item"><span class="result-label">{{ item.label }}</span><span class="result-value">{{ item.value }}</span></div></td>
+                <td><span :class="row.total ? 'total-bp-value' : 'bp-value'">{{ row.bpLabel }}：{{ row.bpValue }}</span></td>
+              </tr>
+            </tbody>
+          </table>
         </div>
 
         <div class="output-section">
           <h4 class="section-title">贡献度分析</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="存款年日均">{{ corpOutput.balanceAvg || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="贷款年日均">{{ corpOutput.loanAvg || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="派生率">{{ formatRate(corpOutput.derivationRate) }}</el-descriptions-item>
-            <el-descriptions-item label="TOTAL_BP_贡献度"><span class="total-bp-value">{{ corpOutput.totalBpContribution || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
+          <table class="output-analysis-table">
+            <colgroup><col class="result-column"><col class="bp-column"></colgroup>
+            <thead><tr><th>模型输出结果</th><th>影响BP</th></tr></thead>
+            <tbody>
+              <tr v-for="(row, index) in corporateContributionRows" :key="`corporate-contribution-${index}`" :class="{ 'is-total-row': row.total }">
+                <td><span v-if="row.summary">汇总</span><div v-else v-for="item in row.results" :key="item.label" class="result-item"><span class="result-label">{{ item.label }}</span><span class="result-value">{{ item.value }}</span></div></td>
+                <td><span v-if="row.bpLabel" :class="row.total ? 'total-bp-value' : 'bp-value'">{{ row.bpLabel }}：{{ row.bpValue }}</span></td>
+              </tr>
+            </tbody>
+          </table>
         </div>
 
         <div class="output-section">
           <h4 class="section-title">关联度分析</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="中间业务_企业_企业互联">{{ formatBoolean(corpOutput.midEntConnect) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_企业_有效价值客户">{{ formatBoolean(corpOutput.midEntEffect) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_企业_国际业务">{{ formatBoolean(corpOutput.midEntInter) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_企业_承兑">{{ formatBoolean(corpOutput.midEntAccept) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_企业_贴现">{{ formatBoolean(corpOutput.midEntDiscount) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_企业_电费代扣">{{ formatBoolean(corpOutput.midEntEleDdc) }}</el-descriptions-item>
-            <el-descriptions-item label="中间业务_企业_水费代扣">{{ formatBoolean(corpOutput.midEntWaterDdc) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_中间业务"><span class="bp-value">{{ corpOutput.bpMid || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="代发工资户数">{{ corpOutput.payroll || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="存量贷款余额">{{ corpOutput.invLoanAmount || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="BP_代发工资"><span class="bp-value">{{ corpOutput.bpPayroll || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="TOTAL_BP_关联度"><span class="total-bp-value">{{ corpOutput.totalBpRelevance || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
-        </div>
-
-        <div class="output-section">
-          <h4 class="section-title">企业类别</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="净身企业">{{ formatBoolean(corpOutput.isCleanEnt) }}</el-descriptions-item>
-            <el-descriptions-item label="开立基本结算账户">{{ formatBoolean(corpOutput.hasSettleAcct) }}</el-descriptions-item>
-            <el-descriptions-item label="绿色贷款">{{ formatBoolean(corpOutput.isGreenLoan) }}</el-descriptions-item>
-            <el-descriptions-item label="科技型企业">{{ formatBoolean(corpOutput.isTechEnt) }}</el-descriptions-item>
-            <el-descriptions-item label="贸易和建筑业企业">{{ formatBoolean(corpOutput.isTradeBuildEnt) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_企业客户类别"><span class="bp-value">{{ corpOutput.bpEntType || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
-        </div>
-
-        <div class="output-section">
-          <h4 class="section-title">贷款特征</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="借款期限">{{ corpOutput.loanTerm || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="BP_贷款期限"><span class="bp-value">{{ corpOutput.bpLoanTerm || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="申请金额">{{ corpOutput.applyAmt || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="BP_贷款额度"><span class="bp-value">{{ corpOutput.bpLoanAmount || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="抵质押类型">{{ corpOutput.collType || '-' }}</el-descriptions-item>
-            <el-descriptions-item label="抵质押物三方所有">{{ formatBoolean(corpOutput.collThirdParty) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_抵押物"><span class="bp-value">{{ corpOutput.bpCollateral || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
+          <table class="output-analysis-table">
+            <colgroup><col class="result-column"><col class="bp-column"></colgroup>
+            <thead><tr><th>模型输出结果</th><th>影响BP</th></tr></thead>
+            <tbody>
+              <tr v-for="(row, index) in corporateRelevanceRows" :key="`corporate-relevance-${index}`" :class="{ 'is-total-row': row.total }">
+                <td><span v-if="row.summary">汇总</span><template v-else><div v-if="row.category" class="result-category">{{ row.category }}</div><div v-for="item in row.results" :key="item.label" class="result-item"><span class="result-label">{{ item.label }}</span><span v-if="item.showValue !== false" class="result-value">{{ item.value }}</span></div></template></td>
+                <td>
+                  <span :class="row.total ? 'total-bp-value' : 'bp-value'">
+                    <template v-if="row.bpLabel">{{ row.bpLabel }}：</template>{{ row.bpValue }}
+                  </span>
+                </td>
+              </tr>
+            </tbody>
+          </table>
         </div>
 
         <div class="output-section">
           <h4 class="section-title">风险度分析</h4>
-          <el-descriptions :column="2" border size="small">
-            <el-descriptions-item label="灰名单客户">{{ formatBoolean(corpOutput.greyCust) }}</el-descriptions-item>
-            <el-descriptions-item label="本金逾期">{{ formatBoolean(corpOutput.prinOverdue) }}</el-descriptions-item>
-            <el-descriptions-item label="利息逾期">{{ formatBoolean(corpOutput.interestOverdue) }}</el-descriptions-item>
-            <el-descriptions-item label="BP_灰名单与逾期"><span class="bp-value">{{ corpOutput.bpGreyOverdue || '-' }}</span></el-descriptions-item>
-            <el-descriptions-item label="TOTAL_BP_风险度"><span class="total-bp-value">{{ corpOutput.totalBpRisk || '-' }}</span></el-descriptions-item>
-          </el-descriptions>
+          <table class="output-analysis-table">
+            <colgroup><col class="result-column"><col class="bp-column"></colgroup>
+            <thead><tr><th>模型输出结果</th><th>影响BP</th></tr></thead>
+            <tbody>
+              <tr v-for="(row, index) in corporateRiskRows" :key="`corporate-risk-${index}`" :class="{ 'is-total-row': row.total }">
+                <td><span v-if="row.summary">汇总</span><div v-else v-for="item in row.results" :key="item.label" class="result-item"><span class="result-label">{{ item.label }}</span><span class="result-value">{{ item.value }}</span></div></td>
+                <td><span :class="row.total ? 'total-bp-value' : 'bp-value'">{{ row.bpLabel }}：{{ row.bpValue }}</span></td>
+              </tr>
+            </tbody>
+          </table>
         </div>
+
       </template>
     </div>
   </el-card>
@@ -225,10 +198,156 @@ export default {
     corpOutput: {
       type: Object,
       default: null
+    },
+    guarType: {
+      type: String,
+      default: null
+    }
+  },
+  computed: {
+    retailLoyaltyRows() {
+      return [
+        this.analysisRow('我行首贷客户', this.formatBoolean(this.retailOutput.isFirstLoan), 'BP_首贷', this.retailOutput.bpFirstLoan),
+        this.analysisRow('用信天数', this.retailOutput.faithDay, 'BP_贷龄', this.retailOutput.bpAgeLoan),
+        this.analysisRow('客户年龄', this.retailOutput.custAge, 'BP_年龄', this.retailOutput.bpAge),
+        this.totalRow('TOTAL_BP_忠诚度', this.retailOutput.totalBpLoyalty)
+      ]
+    },
+    retailContributionRows() {
+      return [
+        this.groupedAnalysisRow([
+          this.resultItem('存款年日均', this.retailOutput.balanceAvg),
+          this.resultItem('贷款年日均', this.retailOutput.loanAvg),
+          this.resultItem('派生率', this.formatRate(this.retailOutput.derivationRate))
+        ]),
+        this.totalRow('TOTAL_BP_贡献度', this.retailOutput.totalBpContribution, '最高上限100BP', '查看贡献度汇总上限')
+      ]
+    },
+    retailRelevanceRows() {
+      return [
+        this.middleBusinessRow('中间业务_个人_信用卡', this.retailOutput.midPerCard, '办理减5个BP，信用卡额度1万元及以上的再减10个BP'),
+        this.middleBusinessRow('中间业务_个人_一码通', this.retailOutput.midPerPass),
+        this.middleBusinessRow('中间业务_个人_丰收互联', this.retailOutput.midPerHarvest),
+        this.middleBusinessRow('中间业务_个人_有效客户', this.retailOutput.midPerEffect),
+        this.middleBusinessRow('中间业务_个人_快捷支付', this.retailOutput.midPerQuickPay),
+        this.middleBusinessRow('中间业务_个人_电费代扣', this.retailOutput.midPerEleDdc),
+        this.middleBusinessRow('中间业务_个人_水费代扣', this.retailOutput.midPerWaterDdc),
+        this.middleBusinessRow('中间业务_个人_华数费代扣', this.retailOutput.midPerHuashuDdc),
+        this.middleBusinessRow('中间业务_个人_煤气费代扣', this.retailOutput.midPerGasDdc),
+        this.middleBusinessRow('中间业务_个人_市民卡', this.retailOutput.midPerCitizencard),
+        this.middleBusinessRow('中间业务_个人_理财业务', this.retailOutput.midPerFinMan),
+        this.middleBusinessRow('中间业务_个人_etc', this.retailOutput.midPerEtc),
+        this.totalRow('TOTAL_BP_关联度', this.retailOutput.totalBpRelevance, '最高上限-30BP', '查看中间业务BP上限')
+      ]
+    },
+    retailRiskRows() {
+      const rows = [
+        this.analysisRow('申请金额', this.retailOutput.applyAmt, 'BP_贷款额度', this.retailOutput.bpLoanAmount),
+        this.groupedAnalysisRow([
+          this.resultItem('贷款用途', this.formatLoanPurpose(this.retailOutput.loanPurpose)),
+          this.resultItem('营业执照', this.formatBoolean(this.retailOutput.bizProof))
+        ], 'BP_贷款用途', this.retailOutput.bpLoanUse),
+        this.analysisRow('循环功能', this.formatBoolean(this.retailOutput.loanLoop), 'BP_循环功能', this.retailOutput.bpLoanLoop)
+      ]
+      if (this.guarType === '抵押' || this.guarType === '质押') {
+        rows.push(this.analysisRow('抵押物第三方所有', this.formatBoolean(this.retailOutput.collThirdParty), 'BP_抵押物', this.retailOutput.bpCollateral))
+      }
+      rows.push(
+        this.analysisRow('本金逾期', this.formatBoolean(this.retailOutput.prinOverdue), 'BP_本金逾期', this.retailOutput.bpPrinOverdue),
+        this.analysisRow('利息逾期', this.formatBoolean(this.retailOutput.interestOverdue), 'BP_利息逾期', this.retailOutput.bpIinterestOverdue),
+        this.analysisRow('信用卡逾期', this.formatBoolean(this.retailOutput.cardOverdue), 'BP_信用卡逾期', this.retailOutput.bpCardOverdue),
+        this.totalRow('TOTAL_BP_风险度', this.retailOutput.totalBpRisk)
+      )
+      return rows
+    },
+    corporateLoyaltyRows() {
+      return [
+        this.analysisRow('我行首贷客户', this.formatBoolean(this.corpOutput.isFirstLoan), 'BP_首贷', this.corpOutput.bpFirstLoan),
+        this.analysisRow('用信天数', this.corpOutput.faithDay, 'BP_贷龄', this.corpOutput.bpAgeLoan),
+        this.totalRow('TOTAL_BP_忠诚度', this.corpOutput.totalBpLoyalty)
+      ]
+    },
+    corporateContributionRows() {
+      return [
+        this.groupedAnalysisRow([
+          this.resultItem('存款年日均', this.corpOutput.balanceAvg),
+          this.resultItem('贷款年日均', this.corpOutput.loanAvg),
+          this.resultItem('派生率', this.formatRate(this.corpOutput.derivationRate))
+        ]),
+        this.totalRow('TOTAL_BP_贡献度', this.corpOutput.totalBpContribution)
+      ]
+    },
+    corporateRelevanceRows() {
+      return [
+        this.middleBusinessRow('中间业务_企业_企业互联', this.corpOutput.midEntConnect),
+        this.middleBusinessRow('中间业务_企业_有效价值客户', this.corpOutput.midEntEffect),
+        this.middleBusinessRow('中间业务_企业_国际业务', this.corpOutput.midEntInter),
+        this.middleBusinessRow('中间业务_企业_承兑', this.corpOutput.midEntAccept),
+        this.middleBusinessRow('中间业务_企业_贴现', this.corpOutput.midEntDiscount),
+        this.middleBusinessRow('中间业务_企业_电费代扣', this.corpOutput.midEntEleDdc),
+        this.middleBusinessRow('中间业务_企业_水费代扣', this.corpOutput.midEntWaterDdc),
+        this.groupedAnalysisRow([
+          this.resultItem('代发工资户数', this.corpOutput.payroll),
+          this.resultItem('存量贷款余额', this.corpOutput.invLoanAmount)
+        ], 'BP_代发工资', this.corpOutput.bpPayroll, false, '代发工资'),
+        this.groupedAnalysisRow([
+          this.resultItem('净身企业', this.formatBoolean(this.corpOutput.isCleanEnt)),
+          this.resultItem('开立基本结算账户', this.formatBoolean(this.corpOutput.hasSettleAcct)),
+          this.resultItem('绿色贷款', this.formatBoolean(this.corpOutput.isGreenLoan)),
+          this.resultItem('科技型企业', this.formatBoolean(this.corpOutput.isTechEnt)),
+          this.resultItem('贸易和建筑业企业', this.formatBoolean(this.corpOutput.isTradeBuildEnt))
+        ], 'BP_企业客户类别', this.corpOutput.bpEntType, false, '客户类型'),
+        this.totalRow('TOTAL_BP_关联度', this.corpOutput.totalBpRelevance)
+      ]
+    },
+    corporateRiskRows() {
+      const rows = [
+        this.analysisRow('借款期限', this.corpOutput.loanTerm, 'BP_贷款期限', this.corpOutput.bpLoanTerm),
+        this.analysisRow('申请金额', this.corpOutput.applyAmt, 'BP_贷款额度', this.corpOutput.bpLoanAmount)
+      ]
+      if (this.guarType === '抵押' || this.guarType === '质押') {
+        rows.push(this.groupedAnalysisRow([
+          this.resultItem('抵质押类型', this.corpOutput.collType),
+          this.resultItem('抵质押物三方所有', this.formatBoolean(this.corpOutput.collThirdParty))
+        ], 'BP_抵押物', this.corpOutput.bpCollateral))
+      }
+      rows.push(
+        this.groupedAnalysisRow([
+          this.resultItem('灰名单客户', this.formatBoolean(this.corpOutput.greyCust)),
+          this.resultItem('黑名单客户', this.formatBoolean(this.corpOutput.blackCust))
+        ], 'BP_灰名单与逾期', this.corpOutput.bpGreyOverdue),
+        this.analysisRow('本金逾期', this.formatBoolean(this.corpOutput.prinOverdue), 'BP_本金逾期', this.corpOutput.bpPrinOverdue),
+        this.analysisRow('利息逾期', this.corpOutput.interestOverdue, 'BP_利息逾期', this.corpOutput.bpIinterestOverdue),
+        this.analysisRow('信用卡逾期', this.formatBoolean(this.corpOutput.cardOverdue), 'BP_信用卡逾期', this.corpOutput.bpCardOverdue),
+        this.totalRow('TOTAL_BP_风险度', this.corpOutput.totalBpRisk)
+      )
+      return rows
     }
   },
   methods: {
     formatRate,
+    resultItem(label, value, showValue = true) {
+      return {label, value: this.formatOutputValue(value), showValue}
+    },
+    groupedAnalysisRow(results, bpLabel, bpValue, total = false, category = null) {
+      return {results, bpLabel, bpValue: this.formatOutputValue(bpValue), total, category}
+    },
+    analysisRow(resultLabel, resultValue, bpLabel, bpValue) {
+      return this.groupedAnalysisRow([this.resultItem(resultLabel, resultValue)], bpLabel, bpValue)
+    },
+    middleBusinessRow(resultLabel, bpValue, tooltip = null) {
+      return {
+        results: [this.resultItem(resultLabel, null, false)],
+        bpLabel: null,
+        bpValue: this.formatOutputValue(bpValue),
+        total: false,
+        bpTooltip: tooltip,
+        bpTooltipAriaLabel: tooltip ? `${resultLabel}提示` : null
+      }
+    },
+    totalRow(bpLabel, bpValue, bpTooltip = null, bpTooltipAriaLabel = null) {
+      return {summary: true, bpLabel, bpValue: this.formatOutputValue(bpValue), total: true, bpTooltip, bpTooltipAriaLabel}
+    },
     /** 格式化布尔值为中文 */
     formatBoolean(value) {
       if (value === 'true' || value === true || value === '1' || value === 1) return '是'
@@ -283,6 +402,98 @@ export default {
     color: #303133;
   }
 
+  .analysis-help {
+    margin-left: 4px;
+    color: #909399;
+    cursor: help;
+    font-size: 14px;
+    vertical-align: middle;
+  }
+
+  .output-analysis-table {
+    width: 100%;
+    table-layout: fixed;
+    border-collapse: collapse;
+    border: 1px solid #ebeef5;
+    color: #606266;
+    font-size: 13px;
+
+    .result-column {
+      width: 60%;
+    }
+
+    .bp-column {
+      width: 40%;
+    }
+
+    th,
+    td {
+      padding: 10px 12px;
+      border-right: 1px solid #ebeef5;
+      border-bottom: 1px solid #ebeef5;
+      text-align: left;
+      vertical-align: top;
+      overflow-wrap: anywhere;
+      word-break: break-word;
+    }
+
+    th:last-child,
+    td:last-child {
+      border-right: 0;
+    }
+
+    tbody tr:last-child td {
+      border-bottom: 0;
+    }
+
+    th {
+      background: #f5f7fa;
+      color: #909399;
+      font-weight: 500;
+    }
+
+    .result-item {
+      display: flex;
+      align-items: flex-start;
+      justify-content: space-between;
+      flex-wrap: wrap;
+      gap: 4px 12px;
+    }
+
+    .result-item + .result-item {
+      margin-top: 6px;
+      padding-top: 6px;
+      border-top: 1px dashed #ebeef5;
+    }
+
+    .result-category {
+      margin-bottom: 8px;
+      color: #303133;
+      font-weight: 600;
+    }
+
+    .result-label {
+      min-width: 0;
+      color: #606266;
+    }
+
+    .result-value {
+      margin-left: auto;
+      color: #303133;
+      font-weight: 500;
+      text-align: right;
+    }
+
+    .is-total-row {
+      background: #fffaf0;
+
+      td:first-child {
+        color: #606266;
+        font-weight: 500;
+      }
+    }
+  }
+
   // BP 值样式
   .bp-value {
     color: #409eff;
@@ -308,4 +519,44 @@ export default {
     font-weight: 500;
   }
 }
+
+@media screen and (max-width: 768px) {
+  .model-output-card {
+    ::v-deep .el-card__body {
+      padding: 16px;
+    }
+
+    .output-analysis-table {
+      th,
+      td {
+        padding: 8px;
+      }
+    }
+  }
+}
+
+@media print {
+  .model-output-card {
+    break-inside: auto !important;
+    page-break-inside: auto !important;
+
+    .output-section {
+      break-inside: auto;
+      page-break-inside: auto;
+    }
+
+    .output-analysis-table {
+      color: #000;
+
+      thead {
+        display: table-header-group;
+      }
+
+      tr {
+        break-inside: avoid !important;
+        page-break-inside: avoid !important;
+      }
+    }
+  }
+}
 </style>

ruoyi-ui/src/views/loanPricing/workflow/components/PersonalCreateDialog.vue

@@ -52,6 +52,14 @@
         </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="经营" value="business"/>
+              <el-option label="消费" value="consumer"/>
+            </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%">
@@ -77,6 +85,11 @@
         </el-col>
       </el-row>
       <el-row>
+        <el-col :span="12">
+          <el-form-item label="是否有营业执照" prop="bizProof">
+            <el-switch v-model="form.bizProof"/>
+          </el-form-item>
+        </el-col>
         <el-col :span="12">
           <el-form-item label="循环功能" prop="loanLoop">
             <el-switch v-model="form.loanLoop"/>
@@ -87,7 +100,33 @@
       <!-- 抵质押信息 -->
       <el-divider v-if="isCollateralGuarantee" content-position="left">抵质押信息</el-divider>
       <el-row v-if="isCollateralGuarantee">
-        <el-col :span="12">
+        <template v-if="isMortgage">
+          <el-col :span="12">
+            <el-form-item label="抵押物性质" prop="collateralNature">
+              <el-select v-model="form.collateralNature" placeholder="请选择抵押物性质" style="width: 100%">
+                <el-option v-for="item in collateralNatureOptions" :key="item" :label="item" :value="item"/>
+              </el-select>
+            </el-form-item>
+          </el-col>
+          <el-col :span="12">
+            <el-form-item label="是否属于九地" prop="isNineArea">
+              <div class="nine-area-control">
+                <el-select
+                  v-model="form.isNineArea"
+                  :disabled="!requiresNineArea"
+                  :placeholder="requiresNineArea ? '请选择是否属于九地' : '无需选择'"
+                >
+                  <el-option label="是" value="是"/>
+                  <el-option label="否" value="否"/>
+                </el-select>
+                <el-tooltip content="九地是指绍兴、杭州、宁波、上海、北京、广州、深圳、南京、苏州" placement="top">
+                  <i class="el-icon-question nine-area-help" tabindex="0" aria-label="查看九地说明"></i>
+                </el-tooltip>
+              </div>
+            </el-form-item>
+          </el-col>
+        </template>
+        <el-col :span="12" v-if="isPledge">
           <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 v-for="item in collateralTypeOptions" :key="item" :label="item" :value="item"/>
@@ -168,6 +207,30 @@ export default {
       callback()
     }
 
+    const validateCollateralType = (rule, value, callback) => {
+      if (this.isPledge && !value) {
+        callback(new Error('请选择抵质押类型'))
+        return
+      }
+      callback()
+    }
+
+    const validateCollateralNature = (rule, value, callback) => {
+      if (this.isMortgage && !value) {
+        callback(new Error('请选择抵押物性质'))
+        return
+      }
+      callback()
+    }
+
+    const validateNineArea = (rule, value, callback) => {
+      if (this.requiresNineArea && !value) {
+        callback(new Error('请选择是否属于九地'))
+        return
+      }
+      callback()
+    }
+
     return {
       loanTermOptions: [
         '1', '2', '3', '4', '5', '6'
@@ -187,11 +250,15 @@ export default {
         idNum: this.customerMap ? (this.customerMap.cust_id || '').substring(3) : undefined,
         guarType: undefined,
         applyAmt: undefined,
+        loanPurpose: undefined,
         loanTerm: undefined,
         businessType: undefined,
         loanRateHistory: undefined,
+        bizProof: false,
         loanLoop: false,
         collType: undefined,
+        collateralNature: undefined,
+        isNineArea: undefined,
         collThirdParty: false,
         couponRate: undefined
       },
@@ -216,6 +283,9 @@ export default {
         applyAmt: [
           {required: true, validator: validateApplyAmt, trigger: "blur"}
         ],
+        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"}
         ],
@@ -226,7 +296,13 @@ export default {
           {required: true, message: "请选择历史贷款合同", trigger: "change"}
         ],
         collType: [
-          {required: true, message: "请选择抵质押类型", trigger: "change"}
+          {validator: validateCollateralType, trigger: "change"}
+        ],
+        collateralNature: [
+          {validator: validateCollateralNature, trigger: "change"}
+        ],
+        isNineArea: [
+          {validator: validateNineArea, trigger: "change"}
         ],
         couponRate: [
           {validator: validateCouponRate, trigger: "blur"}
@@ -246,6 +322,15 @@ export default {
     isCollateralGuarantee() {
       return this.form.guarType === '抵押' || this.form.guarType === '质押'
     },
+    isMortgage() {
+      return this.form.guarType === '抵押'
+    },
+    isPledge() {
+      return this.form.guarType === '质押'
+    },
+    requiresNineArea() {
+      return this.isMortgage && ['普通住宅、土地、厂房', '商业性质不动产'].includes(this.form.collateralNature)
+    },
     isStockTransfer() {
       return this.form.businessType === '存量转贷'
     },
@@ -259,13 +344,13 @@ export default {
       return this.isEdit ? '编辑个人利率定价流程' : '新增个人利率定价流程'
     },
     collateralTypeOptions() {
-      if (this.form.guarType === '抵押') {
-        return ['一线', '一类', '二类', '三类']
-      }
-      if (this.form.guarType === '质押') {
+      if (this.isPledge) {
         return ['存单质押', '其他质押']
       }
       return []
+    },
+    collateralNatureOptions() {
+      return ['普通住宅、土地、厂房', '商业性质不动产', '其他抵押财产']
     }
   },
   watch: {
@@ -287,6 +372,12 @@ export default {
         return
       }
       this.resetCouponRateIfNotCertificatePledge()
+    },
+    'form.collateralNature'(val, oldVal) {
+      if (this.resettingForm || val === oldVal) {
+        return
+      }
+      this.handleCollateralNatureChange()
     }
   },
   methods: {
@@ -318,11 +409,15 @@ export default {
           idNum: this.editData.idNum,
           guarType: this.editData.guarType,
           applyAmt: this.editData.applyAmt,
+          loanPurpose: this.editData.loanPurpose,
           loanTerm: this.editData.loanTerm,
           businessType: this.editData.businessType,
           loanRateHistory: this.editData.loanRateHistory,
+          bizProof: this.isOne(this.editData.bizProof),
           loanLoop: this.isOne(this.editData.loanLoop),
-          collType: this.editData.collType,
+          collType: this.editData.guarType === '质押' ? this.editData.collType : undefined,
+          collateralNature: this.editData.collateralNature,
+          isNineArea: this.editData.isNineArea,
           collThirdParty: this.isOne(this.editData.collThirdParty),
           couponRate: this.editData.couponRate
         }
@@ -336,11 +431,15 @@ export default {
         idNum: this.customerMap ? (this.customerMap.cust_id || '').substring(3) : undefined,
         guarType: undefined,
         applyAmt: undefined,
+        loanPurpose: undefined,
         loanTerm: undefined,
         businessType: undefined,
         loanRateHistory: undefined,
+        bizProof: false,
         loanLoop: false,
         collType: undefined,
+        collateralNature: undefined,
+        isNineArea: undefined,
         collThirdParty: false,
         couponRate: undefined
       }
@@ -360,14 +459,35 @@ export default {
     /** 清空抵质押字段 */
     resetCollateralFields() {
       this.form.collType = undefined
+      this.form.collateralNature = undefined
+      this.form.isNineArea = undefined
       this.form.collThirdParty = false
       this.resetCouponRateIfNotCertificatePledge()
       this.$nextTick(() => {
         if (this.$refs.form) {
-          this.$refs.form.clearValidate(['collType', 'collThirdParty', 'couponRate'])
+          this.$refs.form.clearValidate(['collType', 'collateralNature', 'isNineArea', 'collThirdParty', 'couponRate'])
         }
       })
     },
+    handleCollateralNatureChange() {
+      this.form.isNineArea = undefined
+      this.$nextTick(() => {
+        if (this.$refs.form) {
+          this.$refs.form.clearValidate(['isNineArea'])
+        }
+      })
+    },
+    resolveMortgageCollateralType() {
+      if (this.form.collateralNature === '普通住宅、土地、厂房') {
+        return this.form.isNineArea === '是' ? '一类' : '二类'
+      }
+      if (this.form.collateralNature === '商业性质不动产') {
+        return this.form.isNineArea === '是' ? '二类' : '三类'
+      }
+      if (this.form.collateralNature === '其他抵押财产') {
+        return '四类'
+      }
+    },
     resetCouponRateIfNotCertificatePledge() {
       if (!this.isCertificatePledge) {
         this.form.couponRate = undefined
@@ -435,8 +555,15 @@ export default {
           // 转换开关值为字符串
           const data = {
             ...this.form,
+            bizProof: this.form.bizProof ? '1' : '0',
             loanLoop: this.form.loanLoop ? '1' : '0'
           }
+          if (this.isMortgage) {
+            data.collType = this.resolveMortgageCollateralType()
+          } else {
+            delete data.collateralNature
+            delete data.isNineArea
+          }
           if (this.isCollateralGuarantee) {
             data.collThirdParty = this.form.collThirdParty ? '1' : '0'
           } else {
@@ -477,6 +604,24 @@ export default {
   font-size: 14px;
 }
 
+.nine-area-control {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+}
+
+.nine-area-control .el-select {
+  flex: 1;
+  min-width: 0;
+}
+
+.nine-area-help {
+  flex: 0 0 auto;
+  color: #909399;
+  cursor: help;
+  font-size: 16px;
+}
+
 @media screen and (max-width: 768px) {
   .workflow-create-form .el-col {
     width: 100% !important;

ruoyi-ui/src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue

@@ -13,14 +13,10 @@
             <el-descriptions-item label="客户名称">{{ detailData.custName }}</el-descriptions-item>
             <el-descriptions-item label="客户类型">{{ detailData.custType }}</el-descriptions-item>
             <el-descriptions-item label="申请金额">{{ detailData.applyAmt }} 元</el-descriptions-item>
-            <el-descriptions-item label="基准利率">
-              <span class="rate-value">{{ getBaseLoanRate() }}</span> %
-            </el-descriptions-item>
-            <el-descriptions-item label="浮动BP">
-              <span class="total-bp-value">{{ getTotalBp() }}</span>
-            </el-descriptions-item>
-            <el-descriptions-item label="最终测算利率">
-              <span class="calculate-rate">{{ getCalculateRate() }}</span> %
+            <el-descriptions-item label="期限">{{ detailData.loanTerm || '-' }}</el-descriptions-item>
+            <el-descriptions-item label="担保方式">{{ detailData.guarType || '-' }}</el-descriptions-item>
+            <el-descriptions-item label="产品最低利率下限">
+              <span class="rate-value">{{ formatRate(retailOutput && retailOutput.minRateProduct) }}</span> %
             </el-descriptions-item>
             <el-descriptions-item label="执行利率">
               <div class="execute-rate-input-wrapper">
@@ -46,13 +42,6 @@
 
       <!-- 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">
@@ -64,10 +53,18 @@
             <h4 class="section-title">基本信息</h4>
             <el-descriptions :column="2" border>
               <el-descriptions-item label="机构编码">{{ detailData.orgCode }}</el-descriptions-item>
-              <el-descriptions-item label="运行模式">{{ detailData.runType }}</el-descriptions-item>
               <el-descriptions-item label="客户内码">{{ detailData.custIsn }}</el-descriptions-item>
+              <el-descriptions-item label="客户名称">{{ detailData.custName }}</el-descriptions-item>
               <el-descriptions-item label="证件类型">{{ detailData.idType }}</el-descriptions-item>
               <el-descriptions-item label="证件号码">{{ detailData.idNum }}</el-descriptions-item>
+              <el-descriptions-item label="灰名单客户">{{
+                  formatBoolean(retailOutput && retailOutput.greyCust)
+                }}
+              </el-descriptions-item>
+              <el-descriptions-item label="黑名单客户">{{
+                  formatBoolean(retailOutput && retailOutput.blackCust)
+                }}
+              </el-descriptions-item>
               <el-descriptions-item label="创建时间">{{ detailData.createTime }}</el-descriptions-item>
               <el-descriptions-item label="创建者">{{ detailData.createBy }}</el-descriptions-item>
             </el-descriptions>
@@ -83,11 +80,17 @@
               <el-descriptions-item label="业务种类">{{ detailData.businessType || '-' }}</el-descriptions-item>
               <el-descriptions-item label="历史贷款利率">{{ formatRate(detailData.loanRateHistory) }}</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">{{
+              <el-descriptions-item label="是否有营业执照">{{
                   formatBoolean(detailData.bizProof)
                 }}
               </el-descriptions-item>
               <el-descriptions-item label="循环功能">{{ formatBoolean(detailData.loanLoop) }}</el-descriptions-item>
+              <el-descriptions-item v-if="detailData.guarType === '抵押'" label="抵押物性质">
+                {{ detailData.collateralNature || '-' }}
+              </el-descriptions-item>
+              <el-descriptions-item v-if="detailData.guarType === '抵押'" label="是否属于九地">
+                {{ detailData.isNineArea || '-' }}
+              </el-descriptions-item>
               <el-descriptions-item label="抵质押类型">{{ detailData.collType || '-' }}</el-descriptions-item>
               <el-descriptions-item label="抵质押物是否三方所有">{{
                   formatBoolean(detailData.collThirdParty)
@@ -97,6 +100,14 @@
           </div>
         </el-card>
 
+        <!-- 模型输出卡片 -->
+        <ModelOutputDisplay
+          :cust-type="detailData.custType"
+          :guar-type="detailData.guarType"
+          :retail-output="retailOutput"
+          :corp-output="null"
+        />
+
         <!-- 议价池卡片 -->
         <BargainingPoolDisplay
           v-if="bargainingPool"
@@ -164,18 +175,6 @@ export default {
       if (value === 'business') return '经营'
       return value || '-'
     },
-    /** 获取基准利率 */
-    getBaseLoanRate() {
-      return this.formatRate(this.retailOutput?.baseLoanRate)
-    },
-    /** 获取浮动BP */
-    getTotalBp() {
-      return this.retailOutput?.totalBp || '-'
-    },
-    /** 获取最终测算利率 */
-    getCalculateRate() {
-      return this.formatRate(this.retailOutput?.finalCalculateRate)
-    },
     /** 设定执行利率 */
     handleSetExecuteRate() {
       const value = this.executeRateInput
@@ -257,16 +256,6 @@ export default {
           font-weight: 500;
         }
 
-        .total-bp-value {
-          color: #e6a23c;
-          font-weight: 600;
-        }
-
-        .calculate-rate {
-          color: #f56c6c;
-          font-weight: 600;
-          font-size: 16px;
-        }
       }
     }
 

ruoyi-ui/src/views/loanPricing/workflow/index.vue

@@ -1,21 +1,29 @@
 <template>
   <div class="app-container">
-    <el-form :model="queryParams" ref="queryForm" size="small" :inline="true" v-show="showSearch" label-width="68px">
+    <el-form
+      :model="queryParams"
+      ref="queryForm"
+      size="small"
+      :inline="true"
+      v-show="showSearch"
+      label-width="68px"
+      @submit.native.prevent="handleQuery"
+    >
       <el-form-item label="客户信息" prop="custIsn">
         <el-input
           v-model="queryParams.custIsn"
           placeholder="请输入客户内码/证件号/客户名"
           clearable
-          @keyup.enter.native="handleQuery"
+          @keydown.enter.native.prevent="handleQuery"
         />
       </el-form-item>
-      <el-form-item label="客户类型" prop="custType">
+      <el-form-item v-if="showAllSearchItems" label="客户类型" prop="custType">
         <el-select v-model="queryParams.custType" placeholder="请选择客户类型" clearable style="width: 160px">
           <el-option label="个人" value="个人" />
           <el-option label="企业" value="企业" />
         </el-select>
       </el-form-item>
-      <el-form-item label="担保方式" prop="guarType">
+      <el-form-item v-if="showAllSearchItems" label="担保方式" prop="guarType">
         <el-select v-model="queryParams.guarType" placeholder="请选择担保方式" clearable style="width: 160px">
           <el-option label="信用" value="信用" />
           <el-option label="保证" value="保证" />
@@ -23,15 +31,15 @@
           <el-option label="质押" value="质押" />
         </el-select>
       </el-form-item>
-      <el-form-item label="创建者" prop="createBy">
+      <el-form-item v-if="showAllSearchItems" label="创建者" prop="createBy">
         <el-input
           v-model="queryParams.createBy"
           placeholder="请输入创建者"
           clearable
-          @keyup.enter.native="handleQuery"
+          @keydown.enter.native.prevent="handleQuery"
         />
       </el-form-item>
-      <el-form-item label="机构号" prop="deptId">
+      <el-form-item v-if="showAllSearchItems" label="机构号" prop="deptId">
         <treeselect
           v-model="queryParams.deptId"
           :options="deptOptions"
@@ -41,7 +49,7 @@
           style="width: 220px"
         />
       </el-form-item>
-      <el-form-item label="创建时间">
+      <el-form-item v-if="showAllSearchItems" label="创建时间">
         <el-date-picker
           v-model="dateRange"
           type="daterange"
@@ -53,7 +61,7 @@
         />
       </el-form-item>
       <el-form-item>
-        <el-button type="primary" icon="el-icon-search" size="mini" @click="handleQuery">搜索</el-button>
+        <el-button type="primary" icon="el-icon-search" size="mini" native-type="submit">搜索</el-button>
         <el-button icon="el-icon-refresh" size="mini" @click="resetQuery">重置</el-button>
       </el-form-item>
     </el-form>
@@ -218,8 +226,12 @@ export default {
   computed: {
     ...mapGetters([
       'name',
-      'nickName'
+      'nickName',
+      'roles'
     ]),
+    showAllSearchItems() {
+      return !this.roles.includes('common')
+    },
     currentCreateBy() {
       return `${this.nickName}-${this.name}`
     }

ruoyi-ui/tests/personal-create-input-params.test.js

@@ -19,10 +19,12 @@ assert(
 )
 
 assert(
-  !personalCreateDialog.includes('label="贷款用途"') &&
-    !personalCreateDialog.includes('prop="loanPurpose"') &&
-    !personalCreateDialog.includes('loanPurpose:'),
-  '个人新增弹窗不应继续保留贷款用途字段'
+  personalCreateDialog.includes('label="贷款用途"') &&
+    personalCreateDialog.includes('prop="loanPurpose"') &&
+    personalCreateDialog.includes('loanPurpose: undefined') &&
+    personalCreateDialog.includes('loanPurpose: this.editData.loanPurpose') &&
+    personalCreateDialog.includes('请选择贷款用途'),
+  '个人新增弹窗缺少贷款用途、必填校验或编辑回显'
 )
 
 assert(
@@ -31,8 +33,9 @@ assert(
 )
 
 assert(
-  !personalCreateDialog.includes("value=\"consumer\"") && !personalCreateDialog.includes("value=\"business\""),
-  '个人新增弹窗不应继续保留贷款用途选项'
+  personalCreateDialog.includes('label="经营" value="business"') &&
+    personalCreateDialog.includes('label="消费" value="consumer"'),
+  '个人新增弹窗贷款用途选项或协议值不正确'
 )
 
 assert(
@@ -52,25 +55,49 @@ assert(
 
 assert(
   personalCreateDialog.includes('collateralTypeOptions') &&
-    personalCreateDialog.includes("return ['一线', '一类', '二类', '三类']") &&
     personalCreateDialog.includes("return ['存单质押', '其他质押']"),
-  '个人新增弹窗抵质押类型选项未按担保方式动态切换'
+  '个人新增弹窗应保留质押类型选项'
 )
 
 assert(
-  personalCreateDialog.includes('{required: true, message: "请选择抵质押类型", trigger: "change"}'),
-  '个人新增弹窗抵质押类型应为必填'
+  personalCreateDialog.includes('label="抵押物性质"') &&
+    personalCreateDialog.includes('prop="collateralNature"') &&
+    personalCreateDialog.includes("return ['普通住宅、土地、厂房', '商业性质不动产', '其他抵押财产']") &&
+    personalCreateDialog.includes('label="是否属于九地"') &&
+    personalCreateDialog.includes('九地是指绍兴、杭州、宁波、上海、北京、广州、深圳、南京、苏州') &&
+    personalCreateDialog.includes(':disabled="!requiresNineArea"') &&
+    personalCreateDialog.includes("'无需选择'"),
+  '个人新增弹窗缺少抵押物性质、九地选择或九地说明'
 )
 
 assert(
-  !personalCreateDialog.includes('label="是否有经营佐证"') &&
-    !personalCreateDialog.includes('prop="bizProof"') &&
-    !personalCreateDialog.includes('bizProof:') &&
+  personalCreateDialog.includes("return this.form.isNineArea === '是' ? '一类' : '二类'") &&
+    personalCreateDialog.includes("return this.form.isNineArea === '是' ? '二类' : '三类'") &&
+    personalCreateDialog.includes("return '四类'"),
+  '个人新增弹窗抵押物类型映射不完整'
+)
+
+assert(
+  personalCreateDialog.includes("if (this.isPledge && !value)") &&
+    personalCreateDialog.includes("if (this.isMortgage && !value)") &&
+    personalCreateDialog.includes("if (this.requiresNineArea && !value)"),
+  '个人新增弹窗缺少抵押和质押的条件校验'
+)
+
+assert(
+  personalCreateDialog.includes('label="是否有营业执照"') &&
+    personalCreateDialog.includes('prop="bizProof"') &&
+    personalCreateDialog.includes('bizProof: false') &&
+    personalCreateDialog.includes('bizProof: this.isOne(this.editData.bizProof)') &&
+    personalCreateDialog.includes("bizProof: this.form.bizProof ? '1' : '0'") &&
     personalCreateDialog.includes("loanLoop: this.form.loanLoop ? '1' : '0'") &&
     personalCreateDialog.includes("data.collThirdParty = this.form.collThirdParty ? '1' : '0'") &&
+    personalCreateDialog.includes('data.collType = this.resolveMortgageCollateralType()') &&
+    personalCreateDialog.includes('collateralNature: this.editData.collateralNature') &&
+    personalCreateDialog.includes('isNineArea: this.editData.isNineArea') &&
     personalCreateDialog.includes('delete data.collType') &&
     personalCreateDialog.includes('delete data.collThirdParty'),
-  '个人新增弹窗开关字段或非抵质押提交字段处理不正确'
+  '个人新增弹窗营业执照、抵押来源字段、开关字段或非抵质押提交字段处理不正确'
 )
 
 assert(
@@ -78,6 +105,19 @@ assert(
   '个人详情页缺少贷款用途展示'
 )
 
+assert(
+  personalDetail.includes('label="是否有营业执照"') && personalDetail.includes('detailData.bizProof'),
+  '个人详情页缺少营业执照展示'
+)
+
+assert(
+  personalDetail.includes('label="抵押物性质"') &&
+    personalDetail.includes('detailData.collateralNature') &&
+    personalDetail.includes('label="是否属于九地"') &&
+    personalDetail.includes('detailData.isNineArea'),
+  '个人详情页缺少抵押物性质或九地展示'
+)
+
 assert(
   personalDetail.includes("value === '1'") && personalDetail.includes("value === '0'"),
   '个人详情页布尔格式化未兼容 1/0'

ruoyi-ui/tests/personal-final-calculate-rate-display.test.js

@@ -7,15 +7,22 @@ function read(relativePath) {
 }
 
 const personalDetail = read('src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue')
+const summaryStart = personalDetail.indexOf('<el-card class="summary-card">')
+const summaryEnd = personalDetail.indexOf('</el-card>', summaryStart)
+const summaryCard = personalDetail.slice(summaryStart, summaryEnd)
+
+assert(summaryStart !== -1 && summaryEnd !== -1, '个人流程详情缺少关键信息卡片')
 
 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'
+  !/label="(?:基准利率|浮动BP|最终测算利率)"/.test(summaryCard),
+  '个人流程详情关键信息不应展示基准利率、浮动BP或最终测算利率'
 )
 
 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'
+  /label="期限"/.test(summaryCard)
+    && /label="担保方式"/.test(summaryCard)
+    && /label="产品最低利率下限"/.test(summaryCard),
+  '个人流程详情关键信息缺少期限、担保方式或产品最低利率下限'
 )
 
-console.log('personal final calculate rate display assertions passed')
+console.log('personal key information display assertions passed')

ruoyi-ui/tests/retail-display-fields.test.js

@@ -9,18 +9,55 @@ function read(relativePath) {
 const personalDetail = read('src/views/loanPricing/workflow/components/PersonalWorkflowDetail.vue')
 const modelOutput = read('src/views/loanPricing/workflow/components/ModelOutputDisplay.vue')
 
+function extractCard(source, className) {
+  const start = source.indexOf(`<el-card class="${className}">`)
+  const end = source.indexOf('</el-card>', start)
+  assert(start !== -1 && end !== -1, `缺少卡片: ${className}`)
+  return source.slice(start, end)
+}
+
+const summaryCard = extractCard(personalDetail, 'summary-card')
+const detailCard = extractCard(personalDetail, 'detail-card')
+const businessInfoStart = detailCard.indexOf('<h4 class="section-title">业务信息</h4>')
+const basicInfo = detailCard.slice(0, businessInfoStart)
+const businessInfo = detailCard.slice(businessInfoStart)
+
 assert(
-  personalDetail.includes('label="借款期限"') && personalDetail.includes('detailData.loanTerm'),
-  '个人详情页缺少借款期限展示'
+  !basicInfo.includes('label="借款期限"')
+    && businessInfo.includes('label="借款期限"')
+    && businessInfo.includes('detailData.loanTerm'),
+  '个人详情页借款期限未展示在业务信息中'
+)
+
+;['期限', '担保方式', '产品最低利率下限'].forEach((label) => {
+  assert(summaryCard.includes(`label="${label}"`), `个人流程详情关键信息缺少字段: ${label}`)
+})
+
+;['基准利率', '浮动BP', '最终测算利率'].forEach((label) => {
+  assert(!summaryCard.includes(`label="${label}"`), `个人流程详情关键信息不应展示字段: ${label}`)
+})
+
+assert(
+  personalDetail.includes('formatRate(retailOutput && retailOutput.minRateProduct)'),
+  '个人流程详情关键信息未展示产品最低利率下限'
+)
+
+assert(
+  personalDetail.includes(':guar-type="detailData.guarType"'),
+  '个人模型输出未使用流程担保方式控制抵押物行'
 )
 
 const requiredRetailFields = [
-  'retailOutput.greyBlackCust',
   'retailOutput.loanRateHistory',
-  'retailOutput.minRateProduct',
   'retailOutput.smoothRange',
   'retailOutput.finalCalculateRate',
-  'retailOutput.referenceRate'
+  'retailOutput.referenceRate',
+  'retailOutput.branchBp',
+  'retailOutput.bpLoanUse',
+  'retailOutput.midPerGasDdc',
+  'retailOutput.bpPrinOverdue',
+  'retailOutput.bpIinterestOverdue',
+  'retailOutput.bpCardOverdue'
 ]
 
 requiredRetailFields.forEach((field) => {
@@ -28,9 +65,34 @@ requiredRetailFields.forEach((field) => {
 })
 
 assert(
-  modelOutput.indexOf('label="灰黑名单客户"') > modelOutput.indexOf('<h4 class="section-title">基本信息</h4>')
-    && modelOutput.indexOf('label="灰黑名单客户"') < modelOutput.indexOf('<h4 class="section-title">测算结果</h4>'),
-  '灰黑名单客户未展示在个人模型输出基础信息中'
+  modelOutput.includes("this.resultItem('营业执照', this.formatBoolean(this.retailOutput.bizProof))"),
+  '个人风险度缺少营业执照或 BP_贷款用途关联展示'
+)
+
+assert(
+  basicInfo.includes('label="灰名单客户"')
+    && basicInfo.includes('retailOutput && retailOutput.greyCust')
+    && basicInfo.includes('label="黑名单客户"')
+    && basicInfo.includes('retailOutput && retailOutput.blackCust'),
+  '个人流程详情基本信息缺少灰名单客户或黑名单客户'
+)
+
+assert(
+  !modelOutput.includes("this.resultItem('灰名单客户', this.formatBoolean(this.retailOutput.greyCust))")
+    && !modelOutput.includes("this.resultItem('黑名单客户', this.formatBoolean(this.retailOutput.blackCust))")
+    && !modelOutput.includes("'BP_灰名单与逾期', this.retailOutput.bpGreyOverdue"),
+  '个人风险度不应继续展示灰黑客户或旧聚合BP'
+)
+
+assert(
+  !basicInfo.includes('label="基准利率"')
+    && !basicInfo.includes('retailOutput && retailOutput.baseLoanRate'),
+  '个人流程详情基本信息不应展示基准利率'
+)
+
+assert(
+  !detailCard.includes('label="运行模式"') && !modelOutput.includes('<h4 class="section-title">基本信息</h4>'),
+  '个人详情仍展示运行模式或模型输出基本信息'
 )
 
 console.log('retail display fields assertions passed')

ruoyi-ui/tests/workflow-detail-card-order.test.js

@@ -6,22 +6,22 @@ function read(relativePath) {
   return fs.readFileSync(path.join(__dirname, '..', relativePath), 'utf8')
 }
 
-function assertModelOutputBeforeDetailCard(source, label) {
+function assertDetailCardBeforeModelOutput(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,
-    `${label} 的模型输出卡片应位于流程详情卡片上方`
+    detailCardIndex < modelOutputIndex,
+    `${label} 的流程详情卡片应位于模型输出卡片上方`
   )
 }
 
 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')
+assertDetailCardBeforeModelOutput(personalDetail, '个人流程详情')
+assertDetailCardBeforeModelOutput(corporateDetail, '企业流程详情')
 
 console.log('workflow detail card order assertions passed')

ruoyi-ui/tests/workflow-index-refresh.test.js

@@ -63,6 +63,15 @@ assert(source.includes('beginCreateTime: hasDateRange ? `${this.dateRange[0]} 00
 assert(source.includes('endCreateTime: hasDateRange ? `${this.dateRange[1]} 23:59:59` : undefined'), '流程列表应传递当天末秒的顶层创建时间结束参数')
 assert(source.includes('label="机构号"') && source.includes('prop="deptId"'), '流程列表应展示机构号')
 assert(source.indexOf('label="机构号"') > source.indexOf('label="创建者"'), '机构号列应位于创建者列之后')
+assert.strictEqual((source.match(/v-if="showAllSearchItems"/g) || []).length, 5, '五个高级搜索项均应根据角色显示')
+
+assert.strictEqual(component.computed.showAllSearchItems.call({
+  roles: ['common']
+}), false, '客户经理只应展示客户信息搜索项')
+
+assert.strictEqual(component.computed.showAllSearchItems.call({
+  roles: ['headAdmin']
+}), true, '其他角色应展示全部搜索项')
 
 let refreshCount = 0
 component.activated.call({

sql/20260814-production.sql

@@ -0,0 +1,16 @@
+-- 2026-08-14 production database changes
+
+-- Personal model output fields
+ALTER TABLE `model_retail_output_fields`
+    ADD COLUMN `black_cust` varchar(100) DEFAULT NULL COMMENT '黑名单客户' AFTER `grey_cust`,
+    ADD COLUMN `branch_bp` varchar(100) DEFAULT NULL COMMENT '行社下调BP' AFTER `reference_rate`;
+
+-- Corporate model output fields
+ALTER TABLE `model_corp_output_fields`
+    ADD COLUMN `black_cust` varchar(100) DEFAULT NULL COMMENT '黑名单客户' AFTER `grey_cust`,
+    ADD COLUMN `branch_bp` varchar(100) DEFAULT NULL COMMENT '行社下调BP' AFTER `reference_rate`;
+
+-- Workflow collateral source fields
+ALTER TABLE `loan_pricing_workflow`
+    ADD COLUMN `collateral_nature` varchar(50) DEFAULT NULL COMMENT '抵押物性质' AFTER `loan_loop`,
+    ADD COLUMN `is_nine_area` varchar(10) DEFAULT NULL COMMENT '是否属于九地: 是/否' AFTER `collateral_nature`;

sql/20260824-corporate-workflow-optimization.sql

@@ -0,0 +1,5 @@
+-- 2026-08-24 corporate model output overdue BP fields
+ALTER TABLE `model_corp_output_fields`
+    ADD COLUMN `bp_prin_overdue` varchar(100) DEFAULT NULL COMMENT 'BP_本金逾期' AFTER `prin_overdue`,
+    ADD COLUMN `bp_iinterest_overdue` varchar(100) DEFAULT NULL COMMENT 'BP_利息逾期' AFTER `interest_overdue`,
+    ADD COLUMN `bp_card_overdue` varchar(100) DEFAULT NULL COMMENT 'BP_信用卡逾期' AFTER `card_overdue`;

sql/20260824-personal-workflow-optimization.sql

@@ -0,0 +1,5 @@
+-- 2026-08-24 personal model output overdue BP fields
+ALTER TABLE `model_retail_output_fields`
+    ADD COLUMN `bp_prin_overdue` varchar(100) DEFAULT NULL COMMENT 'BP_本金逾期' AFTER `prin_overdue`,
+    ADD COLUMN `bp_iinterest_overdue` varchar(100) DEFAULT NULL COMMENT 'BP_利息逾期' AFTER `interest_overdue`,
+    ADD COLUMN `bp_card_overdue` varchar(100) DEFAULT NULL COMMENT 'BP_信用卡逾期' AFTER `card_overdue`;