From 06df763ed4148e8baae443751b22174fdfe342cf Mon Sep 17 00:00:00 2001
From: FlowerWater <9579043+flowerwater2@user.noreply.gitee.com>
Date: Sat, 20 Dec 2025 12:43:50 +0800
Subject: [PATCH] =?UTF-8?q?feat:=20=E9=93=B6=E8=A1=8C=E7=AB=AF?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 .gitignore                                  |   2 +-
 pages.config.ts                             |   2 +
 src/api/loan.ts                             | 231 ++++++++++
 src/pages.json                              | 288 +++++++++++++
 src/pages/me/loan-application.vue           | 199 ++++++++-
 src/pages/me/me.vue                         |   5 +
 src/pagesBank/api/index.ts                  | 175 ++++++++
 src/pagesBank/audit/detail.vue              | 452 ++++++++++++++++++++
 src/pagesBank/audit/list.vue                | 316 +++++++++++---
 src/pagesBank/customer/detail.vue           | 439 +++++++++++++++++++
 src/pagesBank/customer/list.vue             | 438 +++++++++++++++----
 src/pagesBank/customer/transaction-list.vue | 107 +++++
 src/pagesBank/customer/withdraw-list.vue    | 126 ++++++
 src/pagesBank/dashboard/index.vue           | 304 +++++++++----
 src/pagesBank/mock/index.ts                 | 111 +++++
 src/pagesMerchant/dashboard/index.vue       |   2 +
 src/pagesMerchant/loan/assist.vue           | 302 +++++++++++++
 src/store/bank.ts                           |  33 ++
 src/tabbar/config.ts                        |   5 +-
 src/typings/bank.ts                         |  61 +++
 src/typings/loan.ts                         | 105 +++++
 21 files changed, 3473 insertions(+), 230 deletions(-)
 create mode 100644 src/api/loan.ts
 create mode 100644 src/pages.json
 create mode 100644 src/pagesBank/api/index.ts
 create mode 100644 src/pagesBank/audit/detail.vue
 create mode 100644 src/pagesBank/customer/detail.vue
 create mode 100644 src/pagesBank/customer/transaction-list.vue
 create mode 100644 src/pagesBank/customer/withdraw-list.vue
 create mode 100644 src/pagesBank/mock/index.ts
 create mode 100644 src/pagesMerchant/loan/assist.vue
 create mode 100644 src/store/bank.ts
 create mode 100644 src/typings/bank.ts
 create mode 100644 src/typings/loan.ts

diff --git a/.gitignore b/.gitignore
index 2b15ba8..04a9ed9 100644
--- a/.gitignore
+++ b/.gitignore
@@ -45,4 +45,4 @@ src/manifest.json
 
 # 更新 uni-app 官方版本
 # npx @dcloudio/uvm@latest
-src/pages.json
+# src/pages.json
\ No newline at end of file
diff --git a/pages.config.ts b/pages.config.ts
index 17c16b9..26a1af7 100644
--- a/pages.config.ts
+++ b/pages.config.ts
@@ -37,6 +37,7 @@ export default defineUniPages({
         { path: 'me/index', style: { navigationBarTitleText: '商家中心' } },
         { path: 'me/shop', style: { navigationBarTitleText: '店铺设置' } },
         { path: 'me/account', style: { navigationBarTitleText: '账号安全' } },
+        { path: 'loan/assist', style: { navigationBarTitleText: '贷款辅助材料' } },
       ],
     },
     {
@@ -44,6 +45,7 @@ export default defineUniPages({
       pages: [
         { path: 'dashboard/index', style: { navigationBarTitleText: '银行工作台' } },
         { path: 'audit/list', style: { navigationBarTitleText: '审核列表' } },
+        { path: 'audit/detail', style: { navigationBarTitleText: '审核详情' } },
         { path: 'customer/list', style: { navigationBarTitleText: '客户管理' } },
         { path: 'me/index', style: { navigationBarTitleText: '银行中心' } },
       ],
diff --git a/src/api/loan.ts b/src/api/loan.ts
new file mode 100644
index 0000000..5c69252
--- /dev/null
+++ b/src/api/loan.ts
@@ -0,0 +1,231 @@
+// import { request } from '@/utils/http'
+import type { LoanApplication, RelatedMerchant, AssistMaterial } from '@/typings/loan'
+import { LoanStatus } from '@/typings/loan'
+
+/**
+ * [用户端] 获取用户交易过的商家列表
+ */
+export function getUserMerchants() {
+  // Mock数据
+  return new Promise<{ list: RelatedMerchant[] }>((resolve) => {
+    setTimeout(() => {
+      resolve({
+        list: [
+          {
+            merchantId: 'M001',
+            merchantName: '乐高玩具旗舰店',
+            lastTradeTime: '2025-12-01',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M002',
+            merchantName: '迪士尼官方店',
+            lastTradeTime: '2025-11-20',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M003',
+            merchantName: '泡泡玛特',
+            lastTradeTime: '2025-11-15',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M004',
+            merchantName: '奥特曼官方玩具店',
+            lastTradeTime: '2025-11-10',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M005',
+            merchantName: '玩具反斗城',
+            lastTradeTime: '2025-11-05',
+            selected: false,
+            assistStatus: 'pending'
+          },
+          {
+            merchantId: 'M006',
+            merchantName: 'KidsLand',
+            lastTradeTime: '2025-10-20',
+            selected: false,
+            assistStatus: 'pending'
+          }
+        ]
+      })
+    }, 500)
+  })
+}
+
+/**
+ * [用户端] 提交贷款申请
+ */
+export function submitLoanApplication(data: any) {
+  return new Promise<{ id: string }>((resolve) => {
+    setTimeout(() => {
+      resolve({ id: `LA${Date.now()}` })
+    }, 1000)
+  })
+}
+
+// 模拟数据库
+let mockDatabase: LoanApplication[] = []
+
+/**
+ * [银行端] 获取贷款申请列表
+ */
+export function getLoanApplicationList(params: any) {
+  return new Promise<{ list: LoanApplication[], total: number }>((resolve) => {
+    setTimeout(() => {
+      // 如果没有数据，初始化一些 Mock 数据
+      if (mockDatabase.length === 0) {
+        mockDatabase = [
+          {
+            id: 'LA20251219001',
+            userId: 'U001',
+            userName: '张三',
+            userPhone: '13800138000',
+            amount: 50,
+            term: 1,
+            status: LoanStatus.SUBMITTED,
+            createTime: '2025-12-19 10:00:00',
+            updateTime: '2025-12-19 10:00:00',
+            relatedMerchants: [
+              {
+                merchantId: 'M001',
+                merchantName: '乐高玩具旗舰店',
+                lastTradeTime: '2025-12-01',
+                selected: true,
+                assistStatus: 'pending'
+              }
+            ],
+            personalInfo: {
+              name: '张三',
+              phone: '13800138000',
+              idCard: '440106199001011234',
+              region: ['广东省', '广州市', '天河区'],
+              detailAddress: '天河路1号'
+            },
+            businessInfo: {
+              businessProject: '玩具零售',
+              businessTime: '3年',
+              annualIncome: 100,
+              hasDebt: 'no',
+              loanDemand: 50,
+              assets: ['house', 'car']
+            },
+            documentInfo: {
+              businessLicense: 'https://via.placeholder.com/150',
+              otherMaterials: []
+            },
+            processRecords: []
+          }
+        ]
+      }
+      
+      resolve({
+        list: mockDatabase,
+        total: mockDatabase.length
+      })
+    }, 500)
+  })
+}
+
+/**
+ * [银行端] 获取贷款申请详情
+ */
+export function getLoanApplicationDetail(id: string) {
+  return new Promise<LoanApplication>((resolve, reject) => {
+    setTimeout(() => {
+      const item = mockDatabase.find(i => i.id === id)
+      if (item) {
+        resolve(item)
+      } else {
+        // Fallback for demo
+        if (mockDatabase.length > 0) resolve(mockDatabase[0])
+        else reject('Not found')
+      }
+    }, 500)
+  })
+}
+
+/**
+ * [银行端] 流程操作
+ */
+export function operateLoanApplication(id: string, action: string, data?: any) {
+  return new Promise<void>((resolve) => {
+    setTimeout(() => {
+      const item = mockDatabase.find(i => i.id === id)
+      if (item) {
+        // 更新状态逻辑
+        switch (action) {
+          case 'accept': item.status = LoanStatus.ACCEPTED; break;
+          case 'investigate': item.status = LoanStatus.INVESTIGATING; break;
+          case 'report': item.status = LoanStatus.REPORTED; break;
+          case 'approve': item.status = LoanStatus.APPROVED; break;
+          case 'sign': item.status = LoanStatus.SIGNED; break;
+          case 'disburse': item.status = LoanStatus.DISBURSED; break;
+          case 'reject': item.status = LoanStatus.REJECTED; break;
+        }
+        
+        // 添加记录
+        item.processRecords.push({
+          step: action as any,
+          operator: '银行管理员',
+          operateTime: new Date().toLocaleString(),
+          ...data
+        })
+      }
+      resolve()
+    }, 500)
+  })
+}
+
+/**
+ * [商家端] 获取待办列表
+ */
+export function getMerchantPendingAssistList() {
+  return new Promise<{ list: any[] }>((resolve) => {
+    setTimeout(() => {
+      // 找到所有关联了当前商家的未处理申请
+      // 这里简化逻辑，直接返回 Mock
+      resolve({
+        list: [
+          {
+            loanId: 'LA20251219001',
+            userName: '张三',
+            applyTime: '2025-12-19 10:00:00',
+            amount: 50,
+            status: 'pending'
+          }
+        ]
+      })
+    }, 500)
+  })
+}
+
+/**
+ * [商家端] 提交辅助材料
+ */
+export function submitAssistMaterial(loanId: string, materials: any[]) {
+  return new Promise<void>((resolve) => {
+    setTimeout(() => {
+      const item = mockDatabase.find(i => i.id === loanId) 
+      // 简化：更新第一个匹配的商家状态
+      if (item && item.relatedMerchants.length > 0) {
+        item.relatedMerchants[0].assistStatus = 'submitted'
+        item.relatedMerchants[0].materials = {
+          merchantId: item.relatedMerchants[0].merchantId,
+          merchantName: item.relatedMerchants[0].merchantName,
+          loanApplicationId: loanId,
+          materials: materials,
+          submitTime: new Date().toLocaleString(),
+          status: 'submitted'
+        }
+      }
+      resolve()
+    }, 800)
+  })
+}
diff --git a/src/pages.json b/src/pages.json
new file mode 100644
index 0000000..53796b9
--- /dev/null
+++ b/src/pages.json
@@ -0,0 +1,288 @@
+{
+  "globalStyle": {
+    "navigationStyle": "default",
+    "navigationBarTitleText": "unibest",
+    "navigationBarBackgroundColor": "#f8f8f8",
+    "navigationBarTextStyle": "black",
+    "backgroundColor": "#FFFFFF"
+  },
+  "easycom": {
+    "autoscan": true,
+    "custom": {
+      "^fg-(.*)": "@/components/fg-$1/fg-$1.vue",
+      "^(?!z-paging-refresh|z-paging-load-more)z-paging(.*)": "z-paging/components/z-paging$1/z-paging$1.vue",
+      "^wd-(.*)": "wot-design-uni/components/wd-$1/wd-$1.vue"
+    }
+  },
+  "preloadRule": {
+    "pages/login/index": {
+      "network": "all",
+      "packages": [
+        "pagesMerchant",
+        "pagesBank"
+      ]
+    }
+  },
+  "pages": [
+    // GENERATED BY UNI-PAGES, PLATFORM: H5
+    {
+      "path": "pages/index/index",
+      "type": "home",
+      "style": {
+        "navigationBarTitleText": "数字广东"
+      }
+    },
+    {
+      "path": "pages/finance/credit",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "信用额度",
+        "enablePullDownRefresh": true
+      }
+    },
+    {
+      "path": "pages/finance/settlement",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "应结账款",
+        "enablePullDownRefresh": true
+      }
+    },
+    {
+      "path": "pages/goods/cart",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "购物车"
+      }
+    },
+    {
+      "path": "pages/goods/detail",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "商品详情",
+        "navigationBarBackgroundColor": "#ffffff",
+        "navigationBarTextStyle": "black"
+      }
+    },
+    {
+      "path": "pages/login/index",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "登录",
+        "navigationBarBackgroundColor": "#ffffff"
+      }
+    },
+    {
+      "path": "pages/me/loan-application-records",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "助贷申请记录",
+        "navigationBarBackgroundColor": "#fff",
+        "navigationBarTextStyle": "black"
+      }
+    },
+    {
+      "path": "pages/me/loan-application",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "贷款申请",
+        "navigationBarBackgroundColor": "#fff",
+        "navigationBarTextStyle": "black"
+      }
+    },
+    {
+      "path": "pages/me/me",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "我的",
+        "navigationBarBackgroundColor": "#fff",
+        "navigationBarTextStyle": "black"
+      }
+    },
+    {
+      "path": "pages/member/index",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "会员中心",
+        "navigationBarBackgroundColor": "#1a1a1a",
+        "navigationBarTextStyle": "white"
+      }
+    },
+    {
+      "path": "pages/order/confirm",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "确认订单"
+      }
+    },
+    {
+      "path": "pages/order/detail",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "订单详情"
+      }
+    },
+    {
+      "path": "pages/order/list",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "我的订单",
+        "enablePullDownRefresh": true
+      }
+    },
+    {
+      "path": "pages/sort/index",
+      "type": "page",
+      "style": {
+        "navigationBarTitleText": "分类",
+        "disableScroll": true
+      }
+    }
+  ],
+  "subPackages": [
+    {
+      "root": "pagesMerchant",
+      "pages": [
+        // GENERATED BY UNI-PAGES, PLATFORM: H5
+        {
+          "path": "dashboard/index",
+          "style": {
+            "navigationBarTitleText": "商家工作台"
+          }
+        },
+        {
+          "path": "order/list",
+          "style": {
+            "navigationBarTitleText": "订单管理"
+          }
+        },
+        {
+          "path": "order/detail",
+          "style": {
+            "navigationBarTitleText": "订单详情"
+          }
+        },
+        {
+          "path": "goods/list",
+          "style": {
+            "navigationBarTitleText": "商品管理"
+          }
+        },
+        {
+          "path": "goods/edit",
+          "style": {
+            "navigationBarTitleText": "编辑商品"
+          }
+        },
+        {
+          "path": "finance/index",
+          "style": {
+            "navigationBarTitleText": "财务中心"
+          }
+        },
+        {
+          "path": "finance/settlement",
+          "style": {
+            "navigationBarTitleText": "结算记录"
+          }
+        },
+        {
+          "path": "finance/withdraw",
+          "style": {
+            "navigationBarTitleText": "申请提现"
+          }
+        },
+        {
+          "path": "me/index",
+          "style": {
+            "navigationBarTitleText": "商家中心"
+          }
+        },
+        {
+          "path": "me/shop",
+          "style": {
+            "navigationBarTitleText": "店铺设置"
+          }
+        },
+        {
+          "path": "me/account",
+          "style": {
+            "navigationBarTitleText": "账号安全"
+          }
+        },
+        {
+          "path": "loan/assist",
+          "style": {
+            "navigationBarTitleText": "贷款辅助材料"
+          }
+        }
+      ]
+    },
+    {
+      "root": "pagesBank",
+      "pages": [
+        // GENERATED BY UNI-PAGES, PLATFORM: H5
+        {
+          "path": "dashboard/index",
+          "style": {
+            "navigationBarTitleText": "银行工作台"
+          }
+        },
+        {
+          "path": "audit/list",
+          "style": {
+            "navigationBarTitleText": "审核列表"
+          }
+        },
+        {
+          "path": "audit/detail",
+          "style": {
+            "navigationBarTitleText": "审核详情"
+          }
+        },
+        {
+          "path": "customer/list",
+          "style": {
+            "navigationBarTitleText": "客户管理"
+          }
+        },
+        {
+          "path": "me/index",
+          "style": {
+            "navigationBarTitleText": "银行中心"
+          }
+        }
+      ]
+    }
+  ],
+  "tabBar": {
+    "custom": true,
+    "color": "#999999",
+    "selectedColor": "#018d71",
+    "backgroundColor": "#F8F8F8",
+    "borderStyle": "black",
+    "height": "50px",
+    "fontSize": "10px",
+    "iconWidth": "24px",
+    "spacing": "3px",
+    "list": [
+      // GENERATED BY UNI-PAGES, PLATFORM: H5
+      {
+        "text": "首页",
+        "pagePath": "pages/index/index"
+      },
+      {
+        "text": "分类",
+        "pagePath": "pages/sort/index"
+      },
+      {
+        "text": "购物车",
+        "pagePath": "pages/goods/cart"
+      },
+      {
+        "text": "我的",
+        "pagePath": "pages/me/me"
+      }
+    ]
+  }
+}
\ No newline at end of file
diff --git a/src/pages/me/loan-application.vue b/src/pages/me/loan-application.vue
index 4882a15..c5c764f 100644
--- a/src/pages/me/loan-application.vue
+++ b/src/pages/me/loan-application.vue
@@ -352,15 +352,25 @@ function validateForm() {
 }
 
 // 提交表单
-function handleSubmit() {
-  // 取消表单校验，直接提交
+async function handleSubmit() {
+  if (!validateForm()) return
   
   uni.showLoading({
     title: '提交中...'
   })
   
-  // 模拟提交
-  setTimeout(() => {
+  try {
+    // 收集选中的商家
+    const selectedMerchants = merchantList.value.filter(item => item.selected)
+    
+    // 构建提交数据
+    const submitData = {
+      ...formData.value,
+      relatedMerchants: selectedMerchants
+    }
+    
+    await submitLoanApplication(submitData)
+    
     uni.hideLoading()
     uni.showToast({
       title: '提交成功',
@@ -371,13 +381,48 @@ function handleSubmit() {
     setTimeout(() => {
       uni.navigateBack()
     }, 1500)
-  }, 2000)
+  } catch (error) {
+    uni.hideLoading()
+    uni.showToast({
+      title: '提交失败',
+      icon: 'none'
+    })
+  }
 }
 
 // 返回上一页
 function handleBack() {
   uni.navigateBack()
 }
+
+// 商家选择相关
+import { getUserMerchants, submitLoanApplication } from '@/api/loan'
+import type { RelatedMerchant } from '@/typings/loan'
+
+const merchantList = ref<RelatedMerchant[]>([])
+
+onMounted(async () => {
+  const res = await getUserMerchants()
+  merchantList.value = res.list
+})
+
+function toggleMerchant(item: RelatedMerchant) {
+  item.selected = !item.selected
+}
+
+// 展开/收起逻辑
+const isExpanded = ref(false)
+
+const displayedMerchants = computed(() => {
+  if (isExpanded.value) {
+    return merchantList.value
+  }
+  return merchantList.value.slice(0, 3)
+})
+
+function toggleExpand() {
+  isExpanded.value = !isExpanded.value
+}
 </script>
 
 <template>
@@ -558,6 +603,51 @@ function handleBack() {
       </view>
     </view>
     
+    <!-- 关联商家模块 -->
+    <view class="form-card">
+      <view class="card-title">
+        <view class="title-bar"></view>
+        <text class="title-text">关联商家 (辅助证明)</text>
+      </view>
+      
+      <view class="form-content">
+        <view class="merchant-tip">
+          选择交易过的商家，系统将通知商家为您提供交易辅助材料，有助于提高审批通过率。
+        </view>
+        
+        <view class="merchant-list">
+          <view 
+            v-for="item in displayedMerchants" 
+            :key="item.merchantId"
+            class="merchant-item"
+            :class="{ active: item.selected }"
+            @click="toggleMerchant(item)"
+          >
+            <view class="check-box">
+              <text v-if="item.selected" class="i-carbon-checkmark"></text>
+            </view>
+            <view class="merchant-info">
+              <text class="name">{{ item.merchantName }}</text>
+              <text class="time">最近交易: {{ item.lastTradeTime }}</text>
+            </view>
+          </view>
+          
+          <!-- 展开/收起按钮 -->
+          <view 
+            v-if="merchantList.length > 3" 
+            class="expand-btn"
+            @click="toggleExpand"
+          >
+            <text>{{ isExpanded ? '收起' : '展开更多 (' + (merchantList.length - 3) + ')' }}</text>
+            <text 
+              class="i-carbon-chevron-down arrow" 
+              :class="{ up: isExpanded }"
+            ></text>
+          </view>
+        </view>
+      </view>
+    </view>
+
     <!-- 证件信息模块 -->
     <view class="form-card">
       <view class="card-title">
@@ -911,6 +1001,8 @@ function handleBack() {
     color: #FF4D4F;
     margin-top: 8rpx;
   }
+  
+
 }
 
 .submit-bar {
@@ -939,4 +1031,101 @@ function handleBack() {
     }
   }
 }
+</style>
+
+<style lang="scss" scoped>
+/* 补充商家选择样式 */
+.merchant-tip {
+  font-size: 26rpx;
+  color: #666;
+  background: #fdf5e6;
+  padding: 20rpx;
+  border-radius: 8rpx;
+  margin-bottom: 24rpx;
+  line-height: 1.5;
+}
+
+.merchant-list {
+  display: flex;
+  flex-direction: column;
+  gap: 20rpx;
+  
+  .merchant-item {
+    display: flex;
+    align-items: center;
+    padding: 20rpx;
+    background: #f8f8f8;
+    border-radius: 12rpx;
+    border: 2rpx solid transparent;
+    transition: all 0.2s;
+    
+    &.active {
+      background: #e6f7eb;
+      border-color: #28c445;
+      
+      .check-box {
+        background: #28c445;
+        border-color: #28c445;
+      }
+    }
+    
+    .check-box {
+      width: 40rpx;
+      height: 40rpx;
+      border: 2rpx solid #ddd;
+      border-radius: 8rpx;
+      margin-right: 20rpx;
+      display: flex;
+      align-items: center;
+      justify-content: center;
+      background: #fff;
+      flex-shrink: 0; /* 防止压缩 */
+      
+      text {
+        font-size: 28rpx;
+        color: #fff;
+      }
+    }
+    
+    .merchant-info {
+      display: flex;
+      flex-direction: column;
+      
+      .name {
+        font-size: 30rpx;
+        color: #333;
+        font-weight: 500;
+        margin-bottom: 6rpx;
+      }
+      
+      .time {
+        font-size: 24rpx;
+        color: #999;
+      }
+    }
+  }
+  
+  .expand-btn {
+    display: flex;
+    align-items: center;
+    justify-content: center;
+    padding: 20rpx 0;
+    gap: 8rpx;
+    font-size: 26rpx;
+    color: #666;
+    
+    .arrow {
+      transition: transform 0.3s;
+      font-size: 24rpx;
+      
+      &.up {
+        transform: rotate(180deg);
+      }
+    }
+    
+    &:active {
+      opacity: 0.7;
+    }
+  }
+}
 </style>
\ No newline at end of file
diff --git a/src/pages/me/me.vue b/src/pages/me/me.vue
index 5efcc55..4d519e7 100644
--- a/src/pages/me/me.vue
+++ b/src/pages/me/me.vue
@@ -205,6 +205,11 @@ function handleLogout() {
     <!-- 常用功能 -->
     <view class="section-card">
       <view class="cell-group">
+        <view class="cell" @click="navigateTo('/pages/me/loan-application')">
+          <text class="i-carbon-money icon"></text>
+          <text class="label">我要借钱</text>
+          <text class="i-carbon-chevron-right arrow"></text>
+        </view>
         <view class="cell" @click="navigateTo('/pages/me/loan-application-records')">
           <text class="i-carbon-document-attachment icon"></text>
           <text class="label">助贷申请进度</text>
diff --git a/src/pagesBank/api/index.ts b/src/pagesBank/api/index.ts
new file mode 100644
index 0000000..64a203a
--- /dev/null
+++ b/src/pagesBank/api/index.ts
@@ -0,0 +1,175 @@
+import type { 
+  BankStats, 
+  AuditItem, 
+  AuditStatus, 
+  BankCustomer,
+  WithdrawAuditDetail 
+} from '@/typings/bank'
+import {
+  mockBankStats,
+  mockAuditList,
+  getMockWithdrawDetail,
+  mockCustomerList
+} from '../mock'
+
+/** 获取银行端首页统计 */
+export function getBankStats(): Promise<BankStats> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      resolve(mockBankStats)
+    }, 500)
+  })
+}
+
+/** 获取审核列表 */
+export function getAuditList(params: {
+  status?: AuditStatus
+  type?: string
+  pageNum: number
+  pageSize: number
+  keyword?: string
+}): Promise<{ list: AuditItem[]; total: number }> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      let list = [...mockAuditList]
+      
+      // 状态筛选
+      if (params.status) {
+        list = list.filter(item => item.status === params.status)
+      }
+      
+      // 关键词筛选
+      if (params.keyword) {
+        const keyword = params.keyword.toLowerCase()
+        list = list.filter(item => 
+          item.merchantName.toLowerCase().includes(keyword) || 
+          item.id.toLowerCase().includes(keyword)
+        )
+      }
+      
+      resolve({ list, total: list.length })
+    }, 500)
+  })
+}
+
+/** 获取提现审核详情 */
+export function getWithdrawAuditDetail(id: string): Promise<WithdrawAuditDetail> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      resolve(getMockWithdrawDetail(id))
+    }, 500)
+  })
+}
+
+/** 提交审核结果 */
+export function submitAudit(data: {
+  id: string
+  status: AuditStatus
+  rejectReason?: string
+}): Promise<boolean> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      // 模拟更新本地 mock 数据状态
+      const item = mockAuditList.find(i => i.id === data.id)
+      if (item) {
+        item.status = data.status
+      }
+      resolve(true)
+    }, 500)
+  })
+}
+
+/** 获取客户列表 */
+export function getCustomerList(params: {
+  status?: string
+  pageNum: number
+  pageSize: number
+  keyword?: string
+}): Promise<{ list: BankCustomer[]; total: number }> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      let list = [...mockCustomerList]
+      
+      if (params.status) {
+        list = list.filter(item => item.status === params.status)
+      }
+      
+      if (params.keyword) {
+        const keyword = params.keyword.toLowerCase()
+        list = list.filter(item => 
+          item.merchantName.toLowerCase().includes(keyword) || 
+          item.contactName.toLowerCase().includes(keyword)
+        )
+      }
+      
+      resolve({ list, total: list.length })
+    }, 500)
+  })
+}
+
+/** 获取客户详情 */
+export function getCustomerDetail(id: string): Promise<BankCustomer | null> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      const customer = mockCustomerList.find(item => item.id === id)
+      resolve(customer || null)
+    }, 500)
+  })
+}
+
+/** 更新客户授信额度 */
+export function updateCustomerCredit(data: {
+  merchantId: string
+  creditLimit: number
+}): Promise<boolean> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      const customer = mockCustomerList.find(item => item.merchantId === data.merchantId)
+      if (customer) {
+        customer.creditLimit = data.creditLimit
+      }
+      resolve(true)
+    }, 500)
+  })
+}
+
+/** 冻结/解冻客户 */
+export function freezeCustomer(id: string, status: 'normal' | 'frozen'): Promise<boolean> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      const customer = mockCustomerList.find(item => item.id === id)
+      if (customer) {
+        customer.status = status === 'frozen' ? 'frozen' : 'normal'
+      }
+      resolve(true)
+    }, 500)
+  })
+}
+
+import { mockTransactions, mockWithdrawHistory } from '../mock'
+
+/** 获取客户交易流水 */
+export function getCustomerTransactions(params: {
+  merchantId: string
+  pageNum: number
+  pageSize: number
+}): Promise<{ list: any[]; total: number }> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      resolve({ list: mockTransactions, total: mockTransactions.length })
+    }, 500)
+  })
+}
+
+/** 获取客户提现记录 */
+export function getCustomerWithdraws(params: {
+  merchantId: string
+  pageNum: number
+  pageSize: number
+}): Promise<{ list: any[]; total: number }> {
+  return new Promise((resolve) => {
+    setTimeout(() => {
+      resolve({ list: mockWithdrawHistory, total: mockWithdrawHistory.length })
+    }, 500)
+  })
+}
diff --git a/src/pagesBank/audit/detail.vue b/src/pagesBank/audit/detail.vue
new file mode 100644
index 0000000..08ebba9
--- /dev/null
+++ b/src/pagesBank/audit/detail.vue
@@ -0,0 +1,452 @@
+<script lang="ts" setup>
+import { getLoanApplicationDetail, operateLoanApplication } from '@/api/loan'
+import { LoanStatus } from '@/typings/loan'
+import type { LoanApplication, RelatedMerchant } from '@/typings/loan'
+
+definePage({
+  style: {
+    navigationBarTitleText: '贷款审核详情',
+  },
+})
+
+const id = ref('')
+const detail = ref<LoanApplication | null>(null)
+const loading = ref(false)
+
+// 流程步骤定义
+const steps = [
+  { key: LoanStatus.SUBMITTED, label: '申请' },
+  { key: LoanStatus.ACCEPTED, label: '受理' },
+  { key: LoanStatus.INVESTIGATING, label: '调查' },
+  { key: LoanStatus.APPROVING, label: '审批' },
+  { key: LoanStatus.SIGNING, label: '签约' },
+  { key: LoanStatus.DISBURSED, label: '放款' }
+]
+
+// 获取当前步骤索引
+const currentStepIndex = computed(() => {
+  if (!detail.value) return 0
+  const status = detail.value.status
+  const index = steps.findIndex(s => s.key === status)
+  // 特殊处理中间状态映射
+  if (status === LoanStatus.REPORTED) return 3 // 上报后进入审批阶段
+  if (status === LoanStatus.APPROVED) return 4 // 审批通过等待签约
+  if (status === LoanStatus.SIGNED) return 5   // 签约完成等待放款
+  return index > -1 ? index : 0
+})
+
+async function loadDetail() {
+  loading.value = true
+  try {
+    const res = await getLoanApplicationDetail(id.value)
+    detail.value = res
+  } finally {
+    loading.value = false
+  }
+}
+
+// 流程操作
+async function handleAction(action: string) {
+  let data = null
+  
+  if (action === 'investigate') {
+    // 模拟录入调查报告
+    const res = await uni.showModal({
+      title: '录入调查报告',
+      editable: true,
+      placeholderText: '请输入实地调查情况...'
+    })
+    if (!res.confirm) return
+    data = { report: res.content }
+  } else if (action === 'approve' || action === 'reject') {
+    const res = await uni.showModal({
+      title: action === 'approve' ? '确认通过' : '确认拒绝',
+      editable: true,
+      placeholderText: '请输入审批意见...'
+    })
+    if (!res.confirm) return
+    data = { opinion: res.content }
+  } else if (action === 'disburse') {
+    const res = await uni.showModal({
+      title: '确认放款',
+      content: `确认发放贷款 ${detail.value?.amount} 万元？`
+    })
+    if (!res.confirm) return
+  }
+
+  uni.showLoading({ title: '处理中...' })
+  try {
+    await operateLoanApplication(id.value, action, data)
+    uni.showToast({ title: '操作成功', icon: 'success' })
+    loadDetail() // 刷新详情
+  } finally {
+    uni.hideLoading()
+  }
+}
+
+function previewImage(url: string) {
+  uni.previewImage({ urls: [url] })
+}
+
+onLoad((options) => {
+  if (options?.id) {
+    id.value = options.id
+    loadDetail()
+  }
+})
+</script>
+
+<template>
+  <view class="audit-detail-page">
+    <view v-if="loading" class="loading-state">加载中...</view>
+    
+    <template v-else-if="detail">
+      <!-- 流程步骤条 -->
+      <view class="step-card">
+        <view class="steps">
+          <view 
+            v-for="(step, index) in steps" 
+            :key="step.key"
+            class="step-item"
+            :class="{ active: index <= currentStepIndex, current: index === currentStepIndex }"
+          >
+            <view class="step-icon">
+              <text class="num" v-if="index > currentStepIndex">{{ index + 1 }}</text>
+              <text class="i-carbon-checkmark" v-else></text>
+            </view>
+            <text class="step-label">{{ step.label }}</text>
+            <view class="step-line" v-if="index < steps.length - 1"></view>
+          </view>
+        </view>
+      </view>
+
+      <!-- 核心信息 -->
+      <view class="info-card">
+        <div class="header">
+          <div class="user">
+            <text class="name">{{ detail.personalInfo.name }}</text>
+            <text class="phone">{{ detail.personalInfo.phone }}</text>
+          </div>
+          <text class="status-tag">{{ detail.status }}</text>
+        </div>
+        <div class="amount-box">
+          <div class="item">
+            <text class="label">申请金额</text>
+            <text class="value">{{ detail.amount }}<text class="unit">万</text></text>
+          </div>
+          <div class="item">
+            <text class="label">申请期限</text>
+            <text class="value">{{ detail.term }}<text class="unit">年</text></text>
+          </div>
+        </div>
+      </view>
+
+      <!-- 关联商家及辅助材料 -->
+      <view class="section-card">
+        <view class="card-header">
+          <text class="title">关联商家 (辅助材料)</text>
+        </view>
+        <view class="merchant-list">
+          <view 
+            v-for="merchant in detail.relatedMerchants" 
+            :key="merchant.merchantId"
+            class="merchant-item"
+          >
+            <view class="m-header">
+              <text class="m-name">{{ merchant.merchantName }}</text>
+              <text 
+                class="m-status"
+                :class="merchant.assistStatus"
+              >
+                {{ merchant.assistStatus === 'submitted' ? '已提交材料' : '未提交' }}
+              </text>
+            </view>
+            
+            <!-- 材料展示 -->
+            <view class="materials" v-if="merchant.materials?.materials.length">
+              <view 
+                v-for="(img, idx) in merchant.materials.materials" 
+                :key="idx"
+                class="img-item"
+                @click="previewImage(img.url)"
+              >
+                <image :src="img.url" mode="aspectFill" />
+                <text class="type-tag">{{ img.type }}</text>
+              </view>
+            </view>
+          </view>
+        </view>
+      </view>
+
+      <!-- 经营信息 -->
+      <view class="section-card">
+        <view class="card-header">经营信息</view>
+        <view class="cell-group">
+          <view class="cell">
+            <text class="label">经营项目</text>
+            <text class="value">{{ detail.businessInfo.businessProject }}</text>
+          </view>
+          <view class="cell">
+            <text class="label">年收入</text>
+            <text class="value">{{ detail.businessInfo.annualIncome }}万</text>
+          </view>
+          <view class="cell">
+            <text class="label">负债情况</text>
+            <text class="value">{{ detail.businessInfo.hasDebt === 'yes' ? '有负债' : '无负债' }}</text>
+          </view>
+        </view>
+      </view>
+
+      <!-- 底部操作栏 -->
+      <view class="action-bar safe-area-bottom">
+        <template v-if="detail.status === LoanStatus.SUBMITTED">
+          <button class="btn primary" @click="handleAction('accept')">受理申请</button>
+        </template>
+        
+        <template v-else-if="detail.status === LoanStatus.ACCEPTED">
+          <button class="btn primary" @click="handleAction('investigate')">开始上门调查</button>
+        </template>
+        
+        <template v-else-if="detail.status === LoanStatus.INVESTIGATING">
+          <button class="btn primary" @click="handleAction('report')">提交调查报告</button>
+        </template>
+        
+        <template v-else-if="[LoanStatus.REPORTED, LoanStatus.APPROVING].includes(detail.status)">
+          <button class="btn danger" @click="handleAction('reject')">拒绝</button>
+          <button class="btn primary" @click="handleAction('approve')">通过审批</button>
+        </template>
+
+        <template v-else-if="detail.status === LoanStatus.APPROVED">
+          <button class="btn primary" @click="handleAction('sign')">完成签约</button>
+        </template>
+
+        <template v-else-if="detail.status === LoanStatus.SIGNED">
+          <button class="btn success" @click="handleAction('disburse')">确认放款</button>
+        </template>
+      </view>
+    </template>
+  </view>
+</template>
+
+<style lang="scss" scoped>
+.audit-detail-page {
+  min-height: 100vh;
+  background: #f5f7fa;
+  padding: 20rpx;
+  padding-bottom: 120rpx;
+}
+
+.step-card {
+  background: #fff;
+  padding: 30rpx 20rpx;
+  border-radius: 16rpx;
+  margin-bottom: 20rpx;
+  
+  .steps {
+    display: flex;
+    justify-content: space-between;
+    
+    .step-item {
+      flex: 1;
+      display: flex;
+      flex-direction: column;
+      align-items: center;
+      position: relative;
+      
+      .step-icon {
+        width: 40rpx;
+        height: 40rpx;
+        border-radius: 50%;
+        background: #f0f0f0;
+        display: flex;
+        align-items: center;
+        justify-content: center;
+        font-size: 24rpx;
+        color: #999;
+        margin-bottom: 10rpx;
+        z-index: 1;
+      }
+      
+      .step-label {
+        font-size: 20rpx;
+        color: #999;
+      }
+      
+      .step-line {
+        position: absolute;
+        top: 20rpx;
+        left: 50%;
+        width: 100%;
+        height: 2rpx;
+        background: #f0f0f0;
+        z-index: 0;
+      }
+      
+      &.active {
+        .step-icon {
+          background: #e6f7eb;
+          color: #00c05a;
+        }
+        .step-label {
+          color: #333;
+        }
+        .step-line {
+          background: #00c05a;
+        }
+      }
+      
+      &.current {
+        .step-icon {
+          background: #00c05a;
+          color: #fff;
+        }
+        .step-label {
+          font-weight: bold;
+          color: #00c05a;
+        }
+      }
+    }
+  }
+}
+
+.info-card {
+  background: linear-gradient(135deg, #00c05a 0%, #34d19d 100%);
+  border-radius: 16rpx;
+  padding: 30rpx;
+  color: #fff;
+  margin-bottom: 20rpx;
+  
+  .header {
+    display: flex;
+    justify-content: space-between;
+    align-items: center;
+    margin-bottom: 30rpx;
+    
+    .user {
+      .name { font-size: 32rpx; font-weight: bold; margin-right: 16rpx; }
+      .phone { font-size: 26rpx; opacity: 0.9; }
+    }
+    
+    .status-tag {
+      background: rgba(255,255,255,0.2);
+      padding: 4rpx 16rpx;
+      border-radius: 8rpx;
+      font-size: 24rpx;
+    }
+  }
+  
+  .amount-box {
+    display: flex;
+    
+    .item {
+      flex: 1;
+      
+      .label { display: block; font-size: 24rpx; opacity: 0.8; margin-bottom: 8rpx; }
+      .value { font-size: 40rpx; font-weight: bold; 
+        .unit { font-size: 24rpx; font-weight: normal; margin-left: 4rpx; }
+      }
+    }
+  }
+}
+
+.section-card {
+  background: #fff;
+  border-radius: 16rpx;
+  padding: 0 30rpx;
+  margin-bottom: 20rpx;
+  
+  .card-header {
+    padding: 30rpx 0;
+    border-bottom: 1rpx solid #f5f5f5;
+    font-size: 28rpx;
+    font-weight: bold;
+    color: #333;
+  }
+  
+  .cell-group {
+    padding: 20rpx 0;
+    .cell {
+      display: flex;
+      justify-content: space-between;
+      padding: 16rpx 0;
+      font-size: 26rpx;
+      
+      .label { color: #666; }
+      .value { color: #333; }
+    }
+  }
+}
+
+.merchant-list {
+  padding: 20rpx 0;
+  
+  .merchant-item {
+    background: #f8f9fa;
+    border-radius: 12rpx;
+    padding: 20rpx;
+    margin-bottom: 20rpx;
+    
+    .m-header {
+      display: flex;
+      justify-content: space-between;
+      margin-bottom: 16rpx;
+      
+      .m-name { font-size: 28rpx; font-weight: bold; color: #333; }
+      .m-status { font-size: 24rpx; color: #999; 
+        &.submitted { color: #00c05a; }
+      }
+    }
+    
+    .materials {
+      display: flex;
+      gap: 16rpx;
+      flex-wrap: wrap;
+      
+      .img-item {
+        position: relative;
+        width: 100rpx;
+        height: 100rpx;
+        
+        image { width: 100%; height: 100%; border-radius: 8rpx; }
+        .type-tag {
+          position: absolute;
+          bottom: 0;
+          left: 0;
+          right: 0;
+          background: rgba(0,0,0,0.5);
+          color: #fff;
+          font-size: 18rpx;
+          text-align: center;
+          border-bottom-left-radius: 8rpx;
+          border-bottom-right-radius: 8rpx;
+        }
+      }
+    }
+  }
+}
+
+.action-bar {
+  position: fixed;
+  bottom: 0;
+  left: 0;
+  right: 0;
+  background: #fff;
+  padding: 20rpx 30rpx;
+  box-shadow: 0 -2rpx 10rpx rgba(0,0,0,0.05);
+  display: flex;
+  gap: 20rpx;
+  z-index: 100;
+  
+  .btn {
+    flex: 1;
+    font-size: 28rpx;
+    height: 80rpx;
+    line-height: 80rpx;
+    border-radius: 40rpx;
+    
+    &.primary { background: #00c05a; color: #fff; }
+    &.danger { background: #fa4350; color: #fff; }
+    &.success { background: #00c05a; color: #fff; }
+  }
+}
+</style>
diff --git a/src/pagesBank/audit/list.vue b/src/pagesBank/audit/list.vue
index 7bdea32..529360e 100644
--- a/src/pagesBank/audit/list.vue
+++ b/src/pagesBank/audit/list.vue
@@ -1,49 +1,148 @@
 <script lang="ts" setup>
+import { getLoanApplicationList } from '@/api/loan'
+import { LoanStatus } from '@/typings/loan'
+import type { LoanApplication } from '@/typings/loan'
+
 definePage({
   style: {
     navigationBarTitleText: '审核列表',
+    enablePullDownRefresh: true
   },
 })
 
-// 模拟审核数据
-const auditList = ref([
-  { id: '1', merchantName: '广州数字科技有限公司', amount: 50000.00, status: 'pending', time: '2小时前' },
-  { id: '2', merchantName: '深圳智慧商贸公司', amount: 128000.00, status: 'pending', time: '3小时前' },
-  { id: '3', merchantName: '佛山电子商务公司', amount: 35000.00, status: 'approved', time: '昨天' },
-])
+// 状态标签
+const tabs = [
+  { label: '全部', value: '' },
+  { label: '待处理', value: LoanStatus.SUBMITTED }, // 包含提交/受理等
+  { label: '已通过', value: LoanStatus.APPROVED },
+  { label: '已拒绝', value: LoanStatus.REJECTED },
+]
 
-const statusMap: Record<string, { text: string; color: string }> = {
-  pending: { text: '待审核', color: '#ff8f0d' },
-  approved: { text: '已通过', color: '#00c05a' },
-  rejected: { text: '已拒绝', color: '#fa4350' },
+const activeTab = ref('')
+const keyword = ref('')
+const list = ref<LoanApplication[]>([])
+const loading = ref(false)
+
+const statusMap: Record<string, { text: string; color: string; bgColor: string }> = {
+  [LoanStatus.SUBMITTED]: { text: '新申请', color: '#ff8f0d', bgColor: 'rgba(255, 143, 13, 0.1)' },
+  [LoanStatus.ACCEPTED]: { text: '已受理', color: '#4d80f0', bgColor: 'rgba(77, 128, 240, 0.1)' },
+  [LoanStatus.INVESTIGATING]: { text: '调查中', color: '#4d80f0', bgColor: 'rgba(77, 128, 240, 0.1)' },
+  [LoanStatus.REPORTED]: { text: '待审批', color: '#ff8f0d', bgColor: 'rgba(255, 143, 13, 0.1)' },
+  [LoanStatus.APPROVED]: { text: '已通过', color: '#00c05a', bgColor: 'rgba(0, 192, 90, 0.1)' },
+  [LoanStatus.REJECTED]: { text: '已拒绝', color: '#fa4350', bgColor: 'rgba(250, 67, 80, 0.1)' },
+  [LoanStatus.SIGNED]: { text: '已签约', color: '#00c05a', bgColor: 'rgba(0, 192, 90, 0.1)' },
+  [LoanStatus.DISBURSED]: { text: '已放款', color: '#00c05a', bgColor: 'rgba(0, 192, 90, 0.1)' },
 }
 
-function handleAudit(id: string) {
+async function loadData() {
+  loading.value = true
+  try {
+    const res = await getLoanApplicationList({
+      status: activeTab.value || undefined,
+      keyword: keyword.value
+    })
+    list.value = res.list
+  } finally {
+    loading.value = false
+    uni.stopPullDownRefresh()
+  }
+}
+
+function handleTabChange(value: string) {
+  activeTab.value = value
+  loadData()
+}
+
+function handleSearch() {
+  loadData()
+}
+
+function handleDetail(id: string) {
   uni.navigateTo({ url: `/pagesBank/audit/detail?id=${id}` })
 }
+
+onMounted(() => {
+  loadData()
+})
+
+onPullDownRefresh(() => {
+  loadData()
+})
 </script>
 
 <template>
   <view class="audit-list-page">
-    <view class="audit-list">
+    <!-- 顶部状态栏 -->
+    <view class="sticky-header">
+      <view class="search-bar">
+        <view class="search-input">
+          <text class="i-carbon-search"></text>
+          <input 
+            v-model="keyword" 
+            placeholder="搜索申请人/单号" 
+            confirm-type="search"
+            @confirm="handleSearch"
+          />
+        </view>
+      </view>
+      
+      <view class="tabs">
+        <view 
+          v-for="tab in tabs" 
+          :key="tab.value"
+          class="tab-item"
+          :class="{ active: activeTab === tab.value }"
+          @click="handleTabChange(tab.value)"
+        >
+          {{ tab.label }}
+          <view class="line"></view>
+        </view>
+      </view>
+    </view>
+
+    <!-- 列表内容 -->
+    <view class="list-container">
+      <view v-if="loading && list.length === 0" class="loading-state">
+        <text>加载中...</text>
+      </view>
+      
+      <view v-else-if="list.length === 0" class="empty-state">
+        <text class="i-carbon-document-blank"></text>
+        <text>暂无相关贷申请</text>
+      </view>
+      
       <view
-        v-for="item in auditList"
+        v-for="item in list"
         :key="item.id"
         class="audit-card"
-        @click="handleAudit(item.id)"
+        @click="handleDetail(item.id)"
       >
-        <view class="audit-header">
-          <text class="merchant-name">{{ item.merchantName }}</text>
-          <text class="audit-status" :style="{ color: statusMap[item.status].color }">
-            {{ statusMap[item.status].text }}
+        <view class="card-top">
+          <view class="merchant-info">
+            <text class="merchant-name">{{ item.userName }}的贷款申请</text>
+            <text class="time">{{ item.createTime }}</text>
+          </view>
+          <text 
+            class="status-tag" 
+            :style="{ color: statusMap[item.status]?.color, backgroundColor: statusMap[item.status]?.bgColor }"
+          >
+            {{ statusMap[item.status]?.text || item.status }}
           </text>
         </view>
-        <view class="audit-body">
-          <text class="amount">申请金额：¥{{ item.amount.toFixed(2) }}</text>
-        </view>
-        <view class="audit-footer">
-          <text class="time">{{ item.time }}</text>
-          <text class="action" v-if="item.status === 'pending'">去审核 →</text>
+        
+        <view class="card-content">
+          <view class="info-row">
+            <text class="label">申请金额</text>
+            <text class="amount">¥{{ item.amount }}<text class="unit">万</text></text>
+          </view>
+          <view class="info-row">
+            <text class="label">期限</text>
+            <text class="val">{{ item.term }}年</text>
+          </view>
+          <view class="info-row" v-if="item.relatedMerchants.length">
+            <text class="label">关联商家</text>
+            <text class="val">{{ item.relatedMerchants.length }} 家</text>
+          </view>
         </view>
       </view>
     </view>
@@ -53,69 +152,158 @@ function handleAudit(id: string) {
 <style lang="scss" scoped>
 .audit-list-page {
   min-height: 100vh;
-  background: #f5f5f5;
-  padding: 20rpx;
+  background: #f8f9fa;
+  padding-bottom: 30rpx;
 }
 
-.audit-list {
+.sticky-header {
+  position: sticky;
+  top: 0;
+  z-index: 100;
+  background: #fff;
+  padding: 20rpx 0 0;
+}
+
+.search-bar {
+  padding: 0 30rpx 20rpx;
+  
+  .search-input {
+    height: 72rpx;
+    background: #f1f3f5;
+    border-radius: 36rpx;
+    display: flex;
+    align-items: center;
+    padding: 0 30rpx;
+    gap: 16rpx;
+    
+    text {
+      font-size: 32rpx;
+      color: #adb5bd;
+    }
+    
+    input {
+      flex: 1;
+      font-size: 26rpx;
+    }
+  }
+}
+
+.tabs {
   display: flex;
-  flex-direction: column;
-  gap: 20rpx;
+  justify-content: space-around;
+  border-bottom: 1rpx solid #f1f3f5;
+  
+  .tab-item {
+    padding: 20rpx 0;
+    font-size: 28rpx;
+    color: #495057;
+    position: relative;
+    
+    &.active {
+      color: #00c05a;
+      font-weight: 700;
+      
+      .line {
+        position: absolute;
+        bottom: 0;
+        left: 0;
+        right: 0;
+        height: 6rpx;
+        background: #00c05a;
+        border-radius: 3rpx;
+      }
+    }
+  }
+}
+
+.list-container {
+  padding: 24rpx 30rpx;
 }
 
 .audit-card {
   background: #fff;
-  border-radius: 16rpx;
+  border-radius: 20rpx;
   padding: 24rpx;
+  margin-bottom: 24rpx;
+  box-shadow: 0 4rpx 20rpx rgba(0, 0, 0, 0.02);
   
-  .audit-header {
+  .card-top {
     display: flex;
     justify-content: space-between;
-    align-items: center;
-    margin-bottom: 16rpx;
+    align-items: flex-start;
+    margin-bottom: 24rpx;
     
-    .merchant-name {
-      font-size: 28rpx;
-      font-weight: 600;
-      color: #333;
+    .merchant-info {
       flex: 1;
-      overflow: hidden;
-      text-overflow: ellipsis;
-      white-space: nowrap;
+      display: flex;
+      flex-direction: column;
+      gap: 8rpx;
+      
+      .merchant-name {
+        font-size: 30rpx;
+        font-weight: 700;
+        color: #333;
+      }
+      .time {
+        font-size: 24rpx;
+        color: #999;
+      }
     }
     
-    .audit-status {
-      font-size: 24rpx;
-      font-weight: 500;
-      margin-left: 16rpx;
-    }
-  }
-  
-  .audit-body {
-    margin-bottom: 12rpx;
-    
-    .amount {
-      font-size: 30rpx;
+    .status-tag {
+      font-size: 22rpx;
+      padding: 6rpx 16rpx;
+      border-radius: 8rpx;
       font-weight: 600;
-      color: #00c05a;
     }
   }
   
-  .audit-footer {
+  .card-content {
+    background: #f8f9fa;
+    border-radius: 12rpx;
+    padding: 20rpx;
     display: flex;
     justify-content: space-between;
-    align-items: center;
     
-    .time {
-      font-size: 24rpx;
-      color: #999;
-    }
-    
-    .action {
-      font-size: 24rpx;
-      color: #00c05a;
-      font-weight: 500;
+    .info-row {
+      display: flex;
+      flex-direction: column;
+      
+      .label { font-size: 24rpx; color: #999; margin-bottom: 4rpx; }
+      .amount { font-size: 32rpx; font-weight: 700; color: #333; .unit { font-size: 24rpx; font-weight: normal; margin-left: 2rpx; } }
+      .val { font-size: 28rpx; color: #333; font-weight: 500; }
     }
   }
 }
+
+.empty-state {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 100rpx 0;
+  color: #adb5bd;
+  gap: 20rpx;
+  
+  text:first-child {
+    font-size: 80rpx;
+  }
+  
+  text:last-child {
+    font-size: 28rpx;
+  }
+}
+
+.loading-state {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 100rpx 0;
+  color: #adb5bd;
+  
+  text {
+    font-size: 28rpx;
+  }
+}
 </style>
diff --git a/src/pagesBank/customer/detail.vue b/src/pagesBank/customer/detail.vue
new file mode 100644
index 0000000..5e6f167
--- /dev/null
+++ b/src/pagesBank/customer/detail.vue
@@ -0,0 +1,439 @@
+<script lang="ts" setup>
+import { getCustomerDetail, updateCustomerCredit, freezeCustomer } from '@/pagesBank/api'
+import type { BankCustomer } from '@/typings/bank'
+
+
+definePage({
+  style: {
+    navigationBarTitleText: '客户详情',
+  },
+})
+
+const id = ref('')
+const detail = ref<BankCustomer | null>(null)
+const loading = ref(false)
+
+async function loadDetail() {
+  loading.value = true
+  try {
+    const res = await getCustomerDetail(id.value)
+    detail.value = res
+  } finally {
+    loading.value = false
+  }
+}
+
+function handleUpdateCredit() {
+  uni.showModal({
+    title: '调整授信额度',
+    placeholderText: '请输入新的授信额度 (元)',
+    editable: true,
+    success: async (res) => {
+      if (res.confirm) {
+        const amount = parseFloat(res.content)
+        if (isNaN(amount) || amount <= 0) {
+          uni.showToast({ title: '请输入正确的金额', icon: 'none' })
+          return
+        }
+        
+        uni.showLoading({ title: '提交中...' })
+        try {
+          await updateCustomerCredit({
+            merchantId: detail.value!.merchantId,
+            creditLimit: amount
+          })
+          uni.showToast({ title: '调整成功', icon: 'success' })
+          loadDetail()
+        } finally {
+          uni.hideLoading()
+        }
+      }
+    }
+  })
+}
+
+function handleCall() {
+  if (detail.value?.contactPhone) {
+    uni.makePhoneCall({
+      phoneNumber: detail.value.contactPhone
+    })
+  }
+}
+
+function handleTransactions() {
+  uni.navigateTo({
+    url: `/pagesBank/customer/transaction-list?id=${id.value}&merchantId=${detail.value?.merchantId}`
+  })
+}
+
+function handleWithdraws() {
+  uni.navigateTo({
+    url: `/pagesBank/customer/withdraw-list?id=${id.value}&merchantId=${detail.value?.merchantId}`
+  })
+}
+
+function handleFreeze() {
+  const isFrozen = detail.value?.status === 'frozen'
+  uni.showModal({
+    title: isFrozen ? '解冻账户' : '冻结账户',
+    content: isFrozen ? '确定要解除该账户的冻结状态吗？' : '冻结后该商户将无法进行交易和提现，确定执行？',
+    success: async (res) => {
+      if (res.confirm) {
+        uni.showLoading({ title: '提交中...' })
+        try {
+          await freezeCustomer(id.value, isFrozen ? 'normal' : 'frozen')
+          uni.showToast({ title: '操作成功', icon: 'success' })
+          loadDetail()
+        } finally {
+          uni.hideLoading()
+        }
+      }
+    }
+  })
+}
+
+onLoad((options) => {
+  if (options?.id) {
+    id.value = options.id
+    loadDetail()
+  }
+})
+</script>
+
+<template>
+  <view class="customer-detail-page">
+    <view v-if="loading" class="loading-box">加载中...</view>
+    
+    <template v-else-if="detail">
+      <!-- 头部商户概览 -->
+      <view class="header-card">
+        <view class="merchant-base">
+          <image :src="detail.logo || '/static/images/avatar.jpg'" class="logo" mode="aspectFill" />
+          <view class="info">
+            <text class="name">{{ detail.merchantName }}</text>
+            <view class="tags">
+              <text class="tag">{{ detail.status === 'normal' ? '优质客户' : '风险预警' }}</text>
+              <text class="tag gold">V3会员</text>
+            </view>
+          </view>
+        </view>
+        
+        <view class="stats-row">
+          <view class="stat-item">
+            <text class="label">可用余额</text>
+            <text class="value">¥{{ detail.balance.toLocaleString() }}</text>
+          </view>
+          <view class="divider"></view>
+          <view class="stat-item">
+            <text class="label">已用额度</text>
+            <text class="value highlight">¥{{ detail.usedLimit.toLocaleString() }}</text>
+          </view>
+        </view>
+      </view>
+
+      <!-- 授信管理 -->
+      <view class="section">
+        <view class="section-header">
+          <view class="title">授信管理</view>
+          <view class="action-btn" @click="handleUpdateCredit">调整额度</view>
+        </view>
+        <view class="credit-box">
+          <view class="progress-container">
+            <view class="progress-labels">
+              <text>当前总额度</text>
+              <text>¥{{ detail.creditLimit.toLocaleString() }}</text>
+            </view>
+            <view class="progress-bar">
+              <view 
+                class="inner" 
+                :style="{ width: (detail.usedLimit / detail.creditLimit * 100) + '%' }"
+              ></view>
+            </view>
+            <view class="progress-footer">
+              <text>已使用 {{ (detail.usedLimit / detail.creditLimit * 100).toFixed(1) }}%</text>
+              <text>剩余 ¥{{ (detail.creditLimit - detail.usedLimit).toLocaleString() }}</text>
+            </view>
+          </view>
+        </view>
+      </view>
+
+      <!-- 联系信息 -->
+      <view class="section">
+        <view class="section-title">联系信息</view>
+        <view class="info-list">
+          <view class="info-item">
+            <text class="label">联系人</text>
+            <text class="value">{{ detail.contactName }}</text>
+          </view>
+          <view class="info-item" @click="handleCall">
+            <text class="label">联系电话</text>
+            <view class="value phone">
+              {{ detail.contactPhone }}
+              <text class="i-carbon-phone-filled"></text>
+            </view>
+          </view>
+          <view class="info-item">
+            <text class="label">加入时间</text>
+            <text class="value">{{ detail.joinTime }}</text>
+          </view>
+        </view>
+      </view>
+
+      <!-- 快捷操作 -->
+      <view class="bottom-actions">
+        <view class="action-item" @click="handleTransactions">
+          <text class="i-carbon-list"></text>
+          交易流水
+        </view>
+        <view class="action-item" @click="handleWithdraws">
+          <text class="i-carbon-wallet"></text>
+          提现记录
+        </view>
+        <view class="action-item" :class="{ danger: detail.status !== 'frozen' }" @click="handleFreeze">
+          <text :class="detail.status === 'frozen' ? 'i-carbon-locked' : 'i-carbon-unlocked'"></text>
+          {{ detail.status === 'frozen' ? '解冻账户' : '冻结账户' }}
+        </view>
+      </view>
+    </template>
+  </view>
+</template>
+
+<style lang="scss" scoped>
+.customer-detail-page {
+  min-height: 100vh;
+  background: #f8f9fa;
+  padding-bottom: calc(60rpx + env(safe-area-inset-bottom));
+}
+
+.header-card {
+  background: linear-gradient(135deg, #00c05a 0%, #34d19d 100%);
+  padding: 20rpx 40rpx 40rpx;
+  color: #fff;
+  border-bottom-left-radius: 40rpx;
+  border-bottom-right-radius: 40rpx;
+  
+  .merchant-base {
+    display: flex;
+    gap: 24rpx;
+    align-items: center;
+    margin-bottom: 40rpx;
+    
+    .logo {
+      width: 100rpx;
+      height: 100rpx;
+      border-radius: 50rpx;
+      border: 4rpx solid rgba(255, 255, 255, 0.5);
+      background: #fff;
+    }
+    
+    .info {
+      .name {
+        font-size: 32rpx;
+        font-weight: 700;
+        display: block;
+        margin-bottom: 8rpx;
+      }
+      .tags {
+        display: flex;
+        gap: 12rpx;
+        .tag {
+          font-size: 20rpx;
+          background: rgba(255, 255, 255, 0.2);
+          padding: 4rpx 12rpx;
+          border-radius: 20rpx;
+          &.gold { background: #ffb347; color: #fff; }
+        }
+      }
+    }
+  }
+  
+  .stats-row {
+    display: flex;
+    justify-content: space-around;
+    align-items: center;
+    background: rgba(255, 255, 255, 0.1);
+    border-radius: 20rpx;
+    padding: 24rpx 0;
+    
+    .stat-item {
+      text-align: center;
+      .label {
+        font-size: 24rpx;
+        opacity: 0.8;
+        display: block;
+        margin-bottom: 8rpx;
+      }
+      .value {
+        font-size: 32rpx;
+        font-weight: 700;
+      }
+    }
+    
+    .divider {
+      width: 1rpx;
+      height: 32rpx;
+      background: rgba(255, 255, 255, 0.2);
+    }
+  }
+}
+
+.section {
+  background: #fff;
+  margin: 0 30rpx 24rpx;
+  border-radius: 20rpx;
+  padding: 24rpx 30rpx;
+  box-shadow: 0 2rpx 12rpx rgba(0, 0, 0, 0.02);
+  
+  .section-header {
+    display: flex;
+    justify-content: space-between;
+    align-items: center;
+    margin-bottom: 24rpx;
+    
+    .title {
+      font-size: 30rpx;
+      font-weight: 700;
+      color: #333;
+      padding-left: 20rpx;
+      position: relative;
+      
+      &::before {
+        content: '';
+        position: absolute;
+        left: 0;
+        top: 50%;
+        transform: translateY(-50%);
+        width: 6rpx;
+        height: 28rpx;
+        background: #00c05a;
+        border-radius: 3rpx;
+      }
+    }
+    
+    .action-btn {
+      font-size: 24rpx;
+      color: #00c05a;
+      font-weight: 600;
+      padding: 8rpx 20rpx;
+      background: rgba(0, 192, 90, 0.1);
+      border-radius: 20rpx;
+    }
+  }
+  
+  .section-title {
+    font-size: 30rpx;
+    font-weight: 700;
+    margin-bottom: 24rpx;
+    padding-left: 20rpx;
+    position: relative;
+    
+    &::before {
+      content: '';
+      position: absolute;
+      left: 0;
+      top: 50%;
+      transform: translateY(-50%);
+      width: 6rpx;
+      height: 28rpx;
+      background: #00c05a;
+      border-radius: 3rpx;
+    }
+  }
+}
+
+.credit-box {
+  .progress-container {
+    .progress-labels {
+      display: flex;
+      justify-content: space-between;
+      font-size: 26rpx;
+      color: #666;
+      margin-bottom: 16rpx;
+      text:last-child { font-weight: 700; color: #333; }
+    }
+    
+    .progress-bar {
+      height: 16rpx;
+      background: #f1f3f5;
+      border-radius: 8rpx;
+      overflow: hidden;
+      margin-bottom: 12rpx;
+      
+      .inner {
+        height: 100%;
+        background: linear-gradient(90deg, #34d19d 0%, #00c05a 100%);
+        border-radius: 8rpx;
+      }
+    }
+    
+    .progress-footer {
+      display: flex;
+      justify-content: space-between;
+      font-size: 22rpx;
+      color: #999;
+    }
+  }
+}
+
+.info-list {
+  .info-item {
+    display: flex;
+    justify-content: space-between;
+    padding: 20rpx 0;
+    border-bottom: 1rpx solid #f8f9fa;
+    &:last-child { border-bottom: none; }
+    
+    .label {
+      font-size: 26rpx;
+      color: #999;
+    }
+    
+    .value {
+      font-size: 26rpx;
+      color: #333;
+      font-weight: 500;
+      
+      &.phone {
+        color: #4d80f0;
+        display: flex;
+        align-items: center;
+        gap: 8rpx;
+      }
+    }
+  }
+}
+
+.bottom-actions {
+  margin: 40rpx 30rpx;
+  display: flex;
+  gap: 20rpx;
+  
+  .action-item {
+    flex: 1;
+    height: 100rpx;
+    background: #fff;
+    border-radius: 20rpx;
+    display: flex;
+    flex-direction: column;
+    align-items: center;
+    justify-content: center;
+    font-size: 22rpx;
+    color: #666;
+    gap: 8rpx;
+    box-shadow: 0 4rpx 20rpx rgba(0, 0, 0, 0.02);
+    
+    text { font-size: 40rpx; color: #00c05a; }
+    
+    &.danger { text { color: #fa4350; } color: #fa4350; }
+    
+    &:active { background: #f8f9fa; }
+  }
+}
+
+.loading-box {
+  padding: 100rpx;
+  text-align: center;
+  color: #999;
+  font-size: 28rpx;
+}
+</style>
diff --git a/src/pagesBank/customer/list.vue b/src/pagesBank/customer/list.vue
index fe85b6f..e06cd8f 100644
--- a/src/pagesBank/customer/list.vue
+++ b/src/pagesBank/customer/list.vue
@@ -1,55 +1,177 @@
 <script lang="ts" setup>
+import { getCustomerList } from '@/pagesBank/api'
+import type { BankCustomer } from '@/typings/bank'
+
 definePage({
   style: {
     navigationBarTitleText: '客户管理',
+    enablePullDownRefresh: true
   },
 })
 
-// 模拟客户数据
-const customers = ref([
-  { id: '1', name: '广州数字科技有限公司', creditLimit: 500000, usedLimit: 125000, status: 'normal' },
-  { id: '2', name: '深圳智慧商贸公司', creditLimit: 300000, usedLimit: 280000, status: 'warning' },
-  { id: '3', name: '佛山电子商务公司', creditLimit: 200000, usedLimit: 50000, status: 'normal' },
-])
+const customers = ref<BankCustomer[]>([])
+const loading = ref(false)
+const keyword = ref('')
+const activeStatus = ref('')
+
+const statusTabs = [
+  { label: '全部', value: '' },
+  { label: '正常', value: 'normal' },
+  { label: '预警', value: 'warning' },
+  { label: '冻结', value: 'frozen' },
+]
+
+async function loadData() {
+  loading.value = true
+  try {
+    const res = await getCustomerList({
+      status: activeStatus.value || undefined,
+      pageNum: 1,
+      pageSize: 20,
+      keyword: keyword.value
+    })
+    customers.value = res.list
+  } finally {
+    loading.value = false
+    uni.stopPullDownRefresh()
+  }
+}
+
+function handleSearch() {
+  loadData()
+}
+
+function handleTabChange(value: string) {
+  activeStatus.value = value
+  loadData()
+}
 
 function handleDetail(id: string) {
   uni.navigateTo({ url: `/pagesBank/customer/detail?id=${id}` })
 }
 
 function getUsageRate(used: number, total: number) {
-  return ((used / total) * 100).toFixed(1)
+  return (used / total) * 100
 }
+
+function getStatusInfo(status: string) {
+  const map: Record<string, { text: string; color: string; bgColor: string }> = {
+    normal: { text: '正常', color: '#00c05a', bgColor: 'rgba(0, 192, 90, 0.1)' },
+    warning: { text: '预警', color: '#ff8f0d', bgColor: 'rgba(255, 143, 13, 0.1)' },
+    frozen: { text: '冻结', color: '#fa4350', bgColor: 'rgba(250, 67, 80, 0.1)' },
+  }
+  return map[status] || { text: '未知', color: '#999', bgColor: '#f5f5f5' }
+}
+
+onMounted(() => {
+  loadData()
+})
+
+onPullDownRefresh(() => {
+  loadData()
+})
 </script>
 
 <template>
   <view class="customer-list-page">
-    <view class="customer-list">
+    <view class="sticky-header">
+      <view class="search-bar">
+        <view class="search-input">
+          <text class="i-carbon-search"></text>
+          <input 
+            v-model="keyword" 
+            placeholder="搜索商户名称/联系人" 
+            confirm-type="search"
+            @confirm="handleSearch"
+          />
+        </view>
+      </view>
+      
+      <view class="tabs">
+        <view 
+          v-for="tab in statusTabs" 
+          :key="tab.value"
+          class="tab-item"
+          :class="{ active: activeStatus === tab.value }"
+          @click="handleTabChange(tab.value)"
+        >
+          {{ tab.label }}
+          <view class="line"></view>
+        </view>
+      </view>
+    </view>
+
+    <view class="list-container">
+      <view v-if="loading && customers.length === 0" class="loading-state">
+        <text>加载中...</text>
+      </view>
+      
+      <view v-else-if="customers.length === 0" class="empty-state">
+        <text class="i-carbon-user-avatar-filled-blank"></text>
+        <text>暂无相关客户信息</text>
+      </view>
+
       <view
         v-for="item in customers"
         :key="item.id"
         class="customer-card"
         @click="handleDetail(item.id)"
       >
-        <view class="customer-header">
-          <text class="customer-name">{{ item.name }}</text>
-          <text class="customer-status" :class="item.status">
-            {{ item.status === 'normal' ? '正常' : '预警' }}
+        <view class="card-header">
+          <view class="customer-base">
+            <image :src="item.logo || '/static/images/avatar.jpg'" class="logo" mode="aspectFill" />
+            <view class="info">
+              <text class="name">{{ item.merchantName }}</text>
+              <text class="contact">{{ item.contactName }} {{ item.contactPhone }}</text>
+            </view>
+          </view>
+          <text 
+            class="status-tag" 
+            :style="{ color: getStatusInfo(item.status).color, backgroundColor: getStatusInfo(item.status).bgColor }"
+          >
+            {{ getStatusInfo(item.status).text }}
           </text>
         </view>
-        <view class="customer-body">
-          <view class="limit-info">
-            <text class="label">授信额度</text>
-            <text class="value">¥{{ (item.creditLimit / 10000).toFixed(0) }}万</text>
+
+        <view class="card-body">
+          <view class="limit-stats">
+            <view class="stat-item">
+              <text class="label">授信总额</text>
+              <text class="value">¥{{ (item.creditLimit / 10000).toFixed(1) }}w</text>
+            </view>
+            <view class="stat-item">
+              <text class="label">已使用</text>
+              <text class="value highlight">¥{{ (item.usedLimit / 10000).toFixed(1) }}w</text>
+            </view>
+            <view class="stat-item">
+              <text class="label">可用余额</text>
+              <text class="value">¥{{ (item.balance / 10000).toFixed(1) }}w</text>
+            </view>
           </view>
-          <view class="limit-info">
-            <text class="label">已使用</text>
-            <text class="value used">¥{{ (item.usedLimit / 10000).toFixed(1) }}万</text>
+
+          <view class="usage-progress">
+            <view class="progress-info">
+              <text>额度使用率</text>
+              <text :class="{ danger: getUsageRate(item.usedLimit, item.creditLimit) > 80 }">
+                {{ getUsageRate(item.usedLimit, item.creditLimit).toFixed(1) }}%
+              </text>
+            </view>
+            <view class="progress-bar">
+              <view 
+                class="progress-inner" 
+                :style="{ 
+                  width: Math.min(getUsageRate(item.usedLimit, item.creditLimit), 100) + '%',
+                  backgroundColor: getUsageRate(item.usedLimit, item.creditLimit) > 80 ? '#fa4350' : '#00c05a'
+                }"
+              ></view>
+            </view>
           </view>
-          <view class="limit-info">
-            <text class="label">使用率</text>
-            <text class="value" :class="{ warning: item.status === 'warning' }">
-              {{ getUsageRate(item.usedLimit, item.creditLimit) }}%
-            </text>
+        </view>
+        
+        <view class="card-footer">
+          <text class="join-time">加入时间：{{ item.joinTime }}</text>
+          <view class="action">
+            管理客户 <text class="i-carbon-chevron-right"></text>
           </view>
         </view>
       </view>
@@ -60,82 +182,228 @@ function getUsageRate(used: number, total: number) {
 <style lang="scss" scoped>
 .customer-list-page {
   min-height: 100vh;
-  background: #f5f5f5;
-  padding: 20rpx;
+  background: #f8f9fa;
+  padding-bottom: 30rpx;
 }
 
-.customer-list {
+.sticky-header {
+  position: sticky;
+  top: 0;
+  z-index: 100;
+  background: #fff;
+  padding: 20rpx 0 0;
+}
+
+.search-bar {
+  padding: 0 30rpx 20rpx;
+  
+  .search-input {
+    height: 72rpx;
+    background: #f1f3f5;
+    border-radius: 36rpx;
+    display: flex;
+    align-items: center;
+    padding: 0 30rpx;
+    gap: 16rpx;
+    
+    text {
+      font-size: 32rpx;
+      color: #adb5bd;
+    }
+    
+    input {
+      flex: 1;
+      font-size: 26rpx;
+    }
+  }
+}
+
+.tabs {
   display: flex;
-  flex-direction: column;
-  gap: 20rpx;
+  justify-content: space-around;
+  border-bottom: 1rpx solid #f1f3f5;
+  
+  .tab-item {
+    padding: 20rpx 0;
+    font-size: 28rpx;
+    color: #495057;
+    position: relative;
+    
+    &.active {
+      color: #00c05a;
+      font-weight: 700;
+      
+      .line {
+        position: absolute;
+        bottom: 0;
+        left: 0;
+        right: 0;
+        height: 6rpx;
+        background: #00c05a;
+        border-radius: 3rpx;
+      }
+    }
+  }
+}
+
+.list-container {
+  padding: 24rpx 30rpx;
 }
 
 .customer-card {
   background: #fff;
-  border-radius: 16rpx;
+  border-radius: 20rpx;
   padding: 24rpx;
+  margin-bottom: 24rpx;
+  box-shadow: 0 4rpx 20rpx rgba(0, 0, 0, 0.02);
   
-  .customer-header {
+  .card-header {
+    display: flex;
+    justify-content: space-between;
+    align-items: flex-start;
+    margin-bottom: 24rpx;
+    
+    .customer-base {
+      display: flex;
+      gap: 20rpx;
+      flex: 1;
+      
+      .logo {
+        width: 80rpx;
+        height: 80rpx;
+        border-radius: 12rpx;
+        background: #f5f5f5;
+      }
+      
+      .info {
+        .name {
+          font-size: 30rpx;
+          font-weight: 700;
+          color: #333;
+          display: block;
+          margin-bottom: 4rpx;
+        }
+        .contact {
+          font-size: 24rpx;
+          color: #999;
+        }
+      }
+    }
+    
+    .status-tag {
+      font-size: 22rpx;
+      padding: 4rpx 16rpx;
+      border-radius: 8rpx;
+      font-weight: 600;
+      white-space: nowrap;
+    }
+  }
+  
+  .card-body {
+    background: #f8f9fa;
+    border-radius: 16rpx;
+    padding: 24rpx;
+    margin-bottom: 24rpx;
+    
+    .limit-stats {
+      display: flex;
+      justify-content: space-between;
+      margin-bottom: 24rpx;
+      
+      .stat-item {
+        .label {
+          font-size: 22rpx;
+          color: #999;
+          display: block;
+          margin-bottom: 8rpx;
+        }
+        .value {
+          font-size: 28rpx;
+          font-weight: 700;
+          color: #333;
+          
+          &.highlight { color: #00c05a; }
+        }
+      }
+    }
+    
+    .usage-progress {
+      .progress-info {
+        display: flex;
+        justify-content: space-between;
+        font-size: 22rpx;
+        color: #666;
+        margin-bottom: 12rpx;
+        
+        .danger { color: #fa4350; font-weight: 700; }
+      }
+      
+      .progress-bar {
+        height: 12rpx;
+        background: #e9ecef;
+        border-radius: 6rpx;
+        overflow: hidden;
+        
+        .progress-inner {
+          height: 100%;
+          border-radius: 6rpx;
+          transition: width 0.3s;
+        }
+      }
+    }
+  }
+  
+  .card-footer {
     display: flex;
     justify-content: space-between;
     align-items: center;
-    margin-bottom: 20rpx;
+    border-top: 1rpx solid #f1f3f5;
+    padding-top: 20rpx;
     
-    .customer-name {
-      font-size: 28rpx;
+    .join-time {
+      font-size: 24rpx;
+      color: #adb5bd;
+    }
+    
+    .action {
+      font-size: 26rpx;
+      color: #4d80f0;
       font-weight: 600;
-      color: #333;
-      flex: 1;
-      overflow: hidden;
-      text-overflow: ellipsis;
-      white-space: nowrap;
-    }
-    
-    .customer-status {
-      font-size: 22rpx;
-      padding: 4rpx 12rpx;
-      border-radius: 8rpx;
-      
-      &.normal {
-        background: rgba(0, 192, 90, 0.1);
-        color: #00c05a;
-      }
-      
-      &.warning {
-        background: rgba(255, 143, 13, 0.1);
-        color: #ff8f0d;
-      }
-    }
-  }
-  
-  .customer-body {
-    display: flex;
-    justify-content: space-between;
-    
-    .limit-info {
-      text-align: center;
-      
-      .label {
-        font-size: 22rpx;
-        color: #999;
-        display: block;
-        margin-bottom: 8rpx;
-      }
-      
-      .value {
-        font-size: 28rpx;
-        font-weight: 600;
-        color: #333;
-        
-        &.used {
-          color: #00c05a;
-        }
-        
-        &.warning {
-          color: #ff8f0d;
-        }
-      }
+      display: flex;
+      align-items: center;
+      gap: 4rpx;
     }
   }
 }
+
+.empty-state {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 100rpx 0;
+  color: #adb5bd;
+  gap: 20rpx;
+  
+  text:first-child {
+    font-size: 80rpx;
+  }
+
+  text:last-child {
+    font-size: 28rpx;
+  }
+}
+
+.loading-state {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 100rpx 0;
+  color: #adb5bd;
+  
+  text {
+    font-size: 28rpx;
+  }
+}
 </style>
diff --git a/src/pagesBank/customer/transaction-list.vue b/src/pagesBank/customer/transaction-list.vue
new file mode 100644
index 0000000..54cddb8
--- /dev/null
+++ b/src/pagesBank/customer/transaction-list.vue
@@ -0,0 +1,107 @@
+<script lang="ts" setup>
+import { getCustomerTransactions } from '@/pagesBank/api'
+import { onLoad } from '@dcloudio/uni-app'
+
+const merchantId = ref('')
+const list = ref<any[]>([])
+const loading = ref(false)
+const finished = ref(false)
+
+async function loadData() {
+  if (loading.value || finished.value) return
+  
+  loading.value = true
+  try {
+    const res = await getCustomerTransactions({
+      merchantId: merchantId.value,
+      pageNum: 1,
+      pageSize: 20
+    })
+    list.value = res.list
+    finished.value = true
+  } finally {
+    loading.value = false
+  }
+}
+
+onLoad((options) => {
+  if (options?.merchantId) {
+    merchantId.value = options.merchantId
+    loadData()
+  }
+})
+</script>
+
+<template>
+  <view class="transaction-list-page">
+    <view class="list">
+      <view class="item" v-for="item in list" :key="item.id">
+        <view class="left">
+          <text class="title">{{ item.title }}</text>
+          <text class="time">{{ item.time }}</text>
+        </view>
+        <view class="right">
+          <text class="amount" :class="item.type">
+            {{ item.type === 'expend' || item.type === 'withdraw' ? '-' : '+' }}{{ item.amount.toFixed(2) }}
+          </text>
+        </view>
+      </view>
+    </view>
+    <view v-if="loading" class="loading">加载中...</view>
+    <view v-else-if="list.length === 0" class="empty">暂无记录</view>
+  </view>
+</template>
+
+<style lang="scss" scoped>
+.transaction-list-page {
+  min-height: 100vh;
+  background: #f8f9fa;
+  padding: 20rpx;
+}
+
+.item {
+  background: #fff;
+  padding: 30rpx;
+  border-radius: 16rpx;
+  margin-bottom: 20rpx;
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  box-shadow: 0 2rpx 10rpx rgba(0,0,0,0.02);
+  
+  .left {
+    display: flex;
+    flex-direction: column;
+    gap: 8rpx;
+    
+    .title {
+      font-size: 28rpx;
+      color: #333;
+      font-weight: 500;
+    }
+    
+    .time {
+      font-size: 24rpx;
+      color: #999;
+    }
+  }
+  
+  .right {
+    .amount {
+      font-size: 32rpx;
+      font-weight: 700;
+      
+      &.income { color: #fe5b02; }
+      &.expend { color: #333; }
+      &.withdraw { color: #333; }
+    }
+  }
+}
+
+.loading, .empty {
+  text-align: center;
+  padding: 40rpx;
+  color: #999;
+  font-size: 26rpx;
+}
+</style>
diff --git a/src/pagesBank/customer/withdraw-list.vue b/src/pagesBank/customer/withdraw-list.vue
new file mode 100644
index 0000000..1b29801
--- /dev/null
+++ b/src/pagesBank/customer/withdraw-list.vue
@@ -0,0 +1,126 @@
+<script lang="ts" setup>
+import { getCustomerWithdraws } from '@/pagesBank/api'
+import { AuditStatus } from '@/typings/bank'
+import { onLoad } from '@dcloudio/uni-app'
+
+const merchantId = ref('')
+const list = ref<any[]>([])
+const loading = ref(false)
+const finished = ref(false)
+
+const statusMap: Record<string, { text: string; color: string }> = {
+  [AuditStatus.PENDING]: { text: '待审核', color: '#ff8f0d' },
+  [AuditStatus.APPROVED]: { text: '已通过', color: '#00c05a' },
+  [AuditStatus.REJECTED]: { text: '已拒绝', color: '#fa4350' },
+}
+
+async function loadData() {
+  if (loading.value || finished.value) return
+  
+  loading.value = true
+  try {
+    const res = await getCustomerWithdraws({
+      merchantId: merchantId.value,
+      pageNum: 1,
+      pageSize: 20
+    })
+    list.value = res.list
+    finished.value = true
+  } finally {
+    loading.value = false
+  }
+}
+
+onLoad((options) => {
+  if (options?.merchantId) {
+    merchantId.value = options.merchantId
+    loadData()
+  }
+})
+</script>
+
+<template>
+  <view class="withdraw-list-page">
+    <view class="list">
+      <view class="item" v-for="item in list" :key="item.id">
+        <view class="header">
+          <text class="time">{{ item.time }}</text>
+          <text class="status" :style="{ color: statusMap[item.status]?.color }">
+            {{ statusMap[item.status]?.text }}
+          </text>
+        </view>
+        <view class="content">
+          <view class="amount">¥{{ item.amount.toFixed(2) }}</view>
+          <view class="bank">{{ item.bank }}</view>
+        </view>
+        <view class="footer" v-if="item.reason">
+          <text class="reason">拒绝原因: {{ item.reason }}</text>
+        </view>
+      </view>
+    </view>
+    <view v-if="loading" class="loading">加载中...</view>
+    <view v-else-if="list.length === 0" class="empty">暂无记录</view>
+  </view>
+</template>
+
+<style lang="scss" scoped>
+.withdraw-list-page {
+  min-height: 100vh;
+  background: #f8f9fa;
+  padding: 20rpx;
+}
+
+.item {
+  background: #fff;
+  padding: 30rpx;
+  border-radius: 16rpx;
+  margin-bottom: 20rpx;
+  box-shadow: 0 2rpx 10rpx rgba(0,0,0,0.02);
+  
+  .header {
+    display: flex;
+    justify-content: space-between;
+    margin-bottom: 20rpx;
+    font-size: 24rpx;
+    
+    .time { color: #999; }
+    .status { font-weight: 500; }
+  }
+  
+  .content {
+    display: flex;
+    justify-content: space-between;
+    align-items: center;
+    margin-bottom: 10rpx;
+    
+    .amount {
+      font-size: 36rpx;
+      font-weight: 700;
+      color: #333;
+    }
+    
+    .bank {
+      font-size: 26rpx;
+      color: #666;
+    }
+  }
+  
+  .footer {
+    padding-top: 20rpx;
+    border-top: 1rpx solid #f8f9fa;
+    margin-top: 20rpx;
+    
+    .reason {
+      font-size: 24rpx;
+      color: #fa4350;
+    }
+  }
+}
+
+.loading, .empty {
+  text-align: center;
+  padding: 40rpx;
+  color: #999;
+  font-size: 26rpx;
+}
+</style>
diff --git a/src/pagesBank/dashboard/index.vue b/src/pagesBank/dashboard/index.vue
index bba7763..3e7ff73 100644
--- a/src/pagesBank/dashboard/index.vue
+++ b/src/pagesBank/dashboard/index.vue
@@ -1,5 +1,6 @@
 <script lang="ts" setup>
 import { useUserStore } from '@/store/user'
+import { useBankStore } from '@/store/bank'
 
 definePage({
   style: {
@@ -8,60 +9,96 @@ definePage({
 })
 
 const userStore = useUserStore()
+const bankStore = useBankStore()
 
-// 模拟数据
-const stats = ref({
-  pendingAudit: 45,
-  todayApproved: 28,
-  totalAmount: 2568000.00,
-  customers: 156,
-})
-
+// 快捷操作
 const quickActions = [
   { icon: 'i-carbon-task-approved', label: '待审核', path: '/pagesBank/audit/list' },
   { icon: 'i-carbon-group', label: '客户管理', path: '/pagesBank/customer/list' },
-  { icon: 'i-carbon-report', label: '数据报表', path: '/pagesBank/dashboard/index' },
+  { icon: 'i-carbon-report', label: '数据报表', path: '' }, // 暂未实现
   { icon: 'i-carbon-settings', label: '设置', path: '/pagesBank/me/index' },
 ]
 
 function handleAction(path: string) {
+  if (!path) {
+    uni.showToast({ title: '功能开发中', icon: 'none' })
+    return
+  }
   uni.navigateTo({ url: path })
 }
+
+onMounted(() => {
+  bankStore.fetchStats()
+})
 </script>
 
 <template>
   <view class="dashboard-page">
+    <view class="header-bg"></view>
+    
     <!-- 头部欢迎 -->
-    <view class="header">
+    <view class="header-content">
       <view class="welcome">
-        <text class="greeting">您好，{{ userStore.userInfo?.nickname || '银行用户' }}</text>
-        <text class="sub-text">金融服务数据总览</text>
+        <text class="greeting">您好，{{ userStore.userInfo?.nickname || '银行管理员' }}</text>
+        <text class="sub-text">欢迎回到银行端管理系统</text>
       </view>
     </view>
 
-    <!-- 数据卡片 -->
-    <view class="stats-grid">
-      <view class="stat-card warning">
-        <text class="stat-value">{{ stats.pendingAudit }}</text>
-        <text class="stat-label">待审核</text>
+    <!-- 关键指标卡片 -->
+    <view class="stats-overview">
+      <view class="total-amount-card">
+        <text class="label">累计放款金额 (元)</text>
+        <view class="amount-box">
+          <text class="unit">¥</text>
+          <text class="value">{{ (bankStore.stats?.totalLoanAmount || 0).toLocaleString() }}</text>
+        </view>
       </view>
-      <view class="stat-card success">
-        <text class="stat-value">{{ stats.todayApproved }}</text>
-        <text class="stat-label">今日已审</text>
-      </view>
-      <view class="stat-card">
-        <text class="stat-value">{{ (stats.totalAmount / 10000).toFixed(0) }}万</text>
-        <text class="stat-label">累计放款</text>
-      </view>
-      <view class="stat-card">
-        <text class="stat-value">{{ stats.customers }}</text>
-        <text class="stat-label">服务客户</text>
+      
+      <view class="stats-grid">
+        <view class="stat-card" @click="handleAction('/pagesBank/audit/list')">
+          <view class="stat-info">
+            <text class="stat-value warning">{{ bankStore.stats?.pendingAuditWithdraw || 0 }}</text>
+            <text class="stat-label">待审提现</text>
+          </view>
+          <view class="stat-icon warning">
+            <text class="i-carbon-wallet"></text>
+          </view>
+        </view>
+        <view class="stat-card">
+          <view class="stat-info">
+            <text class="stat-value success">{{ bankStore.stats?.todayApprovedCount || 0 }}</text>
+            <text class="stat-label">今日审批</text>
+          </view>
+          <view class="stat-icon success">
+            <text class="i-carbon-checkmark-outline"></text>
+          </view>
+        </view>
+        <view class="stat-card" @click="handleAction('/pagesBank/customer/list')">
+          <view class="stat-info">
+            <text class="stat-value">{{ bankStore.stats?.activeCustomerCount || 0 }}</text>
+            <text class="stat-label">活跃商户</text>
+          </view>
+          <view class="stat-icon">
+            <text class="i-carbon-user-activity"></text>
+          </view>
+        </view>
+        <view class="stat-card">
+          <view class="stat-info">
+            <text class="stat-value">{{ bankStore.stats?.pendingAuditStore || 0 }}</text>
+            <text class="stat-label">待审入驻</text>
+          </view>
+          <view class="stat-icon">
+            <text class="i-carbon-store"></text>
+          </view>
+        </view>
       </view>
     </view>
 
     <!-- 快捷操作 -->
     <view class="section">
-      <view class="section-title">快捷操作</view>
+      <view class="section-header">
+        <text class="section-title">快捷操作</text>
+      </view>
       <view class="quick-actions">
         <view
           v-for="item in quickActions"
@@ -76,27 +113,53 @@ function handleAction(path: string) {
         </view>
       </view>
     </view>
+    
+    <!-- 最近动态 (Placeholder) -->
+    <view class="section">
+      <view class="section-header">
+        <text class="section-title">最近动态</text>
+        <text class="more">更多 ></text>
+      </view>
+      <view class="empty-dynamic">
+        <text class="i-carbon-reminder-attendance"></text>
+        <text>暂无新的审核动态</text>
+      </view>
+    </view>
   </view>
 </template>
 
 <style lang="scss" scoped>
 .dashboard-page {
   min-height: 100vh;
-  background: #f5f5f5;
+  background: #f8f9fa;
+  padding-bottom: 40rpx;
 }
 
-.header {
+.header-bg {
+  position: absolute;
+  top: 0;
+  left: 0;
+  right: 0;
+  height: 480rpx; /* 稍微增高一点以容纳更多内容 */
   background: linear-gradient(135deg, #00c05a 0%, #34d19d 100%);
-  padding: 40rpx 30rpx 60rpx;
+  border-bottom-left-radius: 40rpx;
+  border-bottom-right-radius: 40rpx;
+  z-index: 0;
+}
+
+.header-content {
+  position: relative;
+  padding: 60rpx 40rpx 20rpx;
+  z-index: 1;
   
   .welcome {
     color: #fff;
     
     .greeting {
-      font-size: 36rpx;
-      font-weight: 600;
+      font-size: 40rpx;
+      font-weight: 700;
       display: block;
-      margin-bottom: 8rpx;
+      margin-bottom: 12rpx;
     }
     
     .sub-text {
@@ -106,54 +169,127 @@ function handleAction(path: string) {
   }
 }
 
+.stats-overview {
+  position: relative;
+  margin: 0 30rpx;
+  z-index: 1;
+  
+  .total-amount-card {
+    background: #fff;
+    border-radius: 24rpx;
+    padding: 40rpx;
+    box-shadow: 0 8rpx 30rpx rgba(0, 0, 0, 0.05);
+    margin-bottom: 24rpx;
+    
+    .label {
+      font-size: 26rpx;
+      color: #999;
+      display: block;
+      margin-bottom: 16rpx;
+    }
+    
+    .amount-box {
+      display: flex;
+      align-items: baseline;
+      
+      .unit {
+        font-size: 32rpx;
+        font-weight: 600;
+        color: #333;
+        margin-right: 8rpx;
+      }
+      
+      .value {
+        font-size: 56rpx;
+        font-weight: 700;
+        color: #333;
+      }
+    }
+  }
+}
+
 .stats-grid {
   display: grid;
   grid-template-columns: 1fr 1fr;
   gap: 20rpx;
-  padding: 0 20rpx;
-  margin-top: -40rpx;
   
   .stat-card {
     background: #fff;
-    border-radius: 16rpx;
+    border-radius: 20rpx;
     padding: 30rpx;
-    text-align: center;
-    box-shadow: 0 4rpx 20rpx rgba(0, 0, 0, 0.05);
+    display: flex;
+    justify-content: space-between;
+    align-items: center;
+    box-shadow: 0 4rpx 20rpx rgba(0, 0, 0, 0.03);
     
-    .stat-value {
-      font-size: 40rpx;
-      font-weight: 700;
-      color: #333;
-      display: block;
-      margin-bottom: 8rpx;
+    .stat-info {
+      .stat-value {
+        font-size: 36rpx;
+        font-weight: 700;
+        color: #333;
+        display: block;
+        margin-bottom: 4rpx;
+        
+        &.warning { color: #ff8f0d; }
+        &.success { color: #00c05a; }
+      }
+      
+      .stat-label {
+        font-size: 24rpx;
+        color: #999;
+      }
     }
     
-    .stat-label {
-      font-size: 24rpx;
-      color: #999;
-    }
-    
-    &.warning .stat-value {
-      color: #ff8f0d;
-    }
-    
-    &.success .stat-value {
-      color: #00c05a;
+    .stat-icon {
+      width: 72rpx;
+      height: 72rpx;
+      border-radius: 16rpx;
+      background: #f5f5f5;
+      display: flex;
+      align-items: center;
+      justify-content: center;
+      
+      text {
+        font-size: 36rpx;
+        color: #666;
+      }
+      
+      &.warning {
+        background: rgba(255, 143, 13, 0.1);
+        text { color: #ff8f0d; }
+      }
+      
+      &.success {
+        background: rgba(0, 192, 90, 0.1);
+        text { color: #00c05a; }
+      }
     }
   }
 }
 
 .section {
-  margin: 30rpx 20rpx;
+  margin: 30rpx;
   background: #fff;
-  border-radius: 16rpx;
+  border-radius: 24rpx;
   padding: 30rpx;
+  box-shadow: 0 4rpx 20rpx rgba(0, 0, 0, 0.02);
   
-  .section-title {
-    font-size: 30rpx;
-    font-weight: 600;
-    color: #333;
-    margin-bottom: 24rpx;
+  .section-header {
+    display: flex;
+    justify-content: space-between;
+    align-items: center;
+    margin-bottom: 30rpx;
+    
+    .section-title {
+      font-size: 32rpx;
+      font-weight: 700;
+      color: #333;
+    }
+    
+    .more {
+      font-size: 24rpx;
+      color: #999;
+    }
   }
 }
 
@@ -166,27 +302,51 @@ function handleAction(path: string) {
     display: flex;
     flex-direction: column;
     align-items: center;
-    gap: 12rpx;
+    gap: 16rpx;
     
     .action-icon {
-      width: 80rpx;
-      height: 80rpx;
-      background: linear-gradient(135deg, #00c05a 0%, #34d19d 100%);
-      border-radius: 20rpx;
+      width: 96rpx;
+      height: 96rpx;
+      background: #f8f9fa;
+      border-radius: 24rpx;
       display: flex;
       align-items: center;
       justify-content: center;
+      transition: all 0.2s;
       
       text {
-        font-size: 40rpx;
-        color: #fff;
+        font-size: 44rpx;
+        color: #00c05a;
+      }
+      
+      &:active {
+        background: #e9ecef;
+        transform: scale(0.95);
       }
     }
     
     .action-label {
       font-size: 24rpx;
-      color: #666;
+      color: #495057;
     }
   }
 }
+
+.empty-dynamic {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 40rpx 0;
+  color: #adb5bd;
+  gap: 16rpx;
+  
+  text:first-child {
+    font-size: 64rpx;
+  }
+  
+  text:last-child {
+    font-size: 26rpx;
+  }
+}
 </style>
diff --git a/src/pagesBank/mock/index.ts b/src/pagesBank/mock/index.ts
new file mode 100644
index 0000000..e07cd6f
--- /dev/null
+++ b/src/pagesBank/mock/index.ts
@@ -0,0 +1,111 @@
+import type { 
+  BankStats, 
+  AuditItem, 
+  BankCustomer,
+  WithdrawAuditDetail 
+} from '@/typings/bank'
+import { AuditStatus, AuditType } from '@/typings/bank'
+
+// 统计数据 Mock
+export const mockBankStats: BankStats = {
+  pendingAuditStore: 5,
+  pendingAuditWithdraw: 12,
+  todayApprovedCount: 8,
+  totalLoanAmount: 12850000.00,
+  activeCustomerCount: 156
+}
+
+// 审核记录 Mock
+export const mockAuditList: AuditItem[] = [
+  {
+    id: 'W001',
+    merchantId: 'M1001',
+    merchantName: '广州酷玩玩具城',
+    type: AuditType.WITHDRAW,
+    amount: 5000.00,
+    status: AuditStatus.PENDING,
+    applyTime: '2024-12-19 10:30:00',
+    remark: '年终结算提现'
+  },
+  {
+    id: 'W002',
+    merchantId: 'M1002',
+    merchantName: '深圳特粉专卖店',
+    type: AuditType.WITHDRAW,
+    amount: 12800.00,
+    status: AuditStatus.PENDING,
+    applyTime: '2024-12-19 09:15:00'
+  },
+  {
+    id: 'C001',
+    merchantId: 'M1003',
+    merchantName: '珠海智悦贸易有限公司',
+    type: AuditType.CREDIT,
+    amount: 500000.00,
+    status: AuditStatus.PENDING,
+    applyTime: '2024-12-18 16:45:00',
+    remark: '扩大经营，申请提高授信额度'
+  }
+]
+
+// 客户列表 Mock
+export const mockCustomerList: BankCustomer[] = [
+  {
+    id: 'C1001',
+    merchantId: 'M1001',
+    merchantName: '广州酷玩玩具城',
+    creditLimit: 500000.00,
+    usedLimit: 125000.00,
+    balance: 375000.00,
+    status: 'normal',
+    contactName: '张三',
+    contactPhone: '138****8888',
+    joinTime: '2024-05-20'
+  },
+  {
+    id: 'C1002',
+    merchantId: 'M1002',
+    merchantName: '深圳特粉专卖店',
+    creditLimit: 200000.00,
+    usedLimit: 180000.00,
+    balance: 20000.00,
+    status: 'warning',
+    contactName: '李四',
+    contactPhone: '139****9999',
+    joinTime: '2024-06-15'
+  }
+]
+
+// 审核详情 Mock
+export function getMockWithdrawDetail(id: string): WithdrawAuditDetail {
+  return {
+    id,
+    merchantId: 'M1001',
+    merchantName: '广州酷玩玩具城',
+    type: AuditType.WITHDRAW,
+    amount: 5000.00,
+    status: AuditStatus.PENDING,
+    applyTime: '2024-12-19 10:30:00',
+    bankName: '中国工商银行',
+    bankAccount: '6222 **** **** 8888',
+    memberLevel: 'V3',
+    transactionCount: 156,
+    remark: '年终结算提现'
+  }
+}
+
+// 交易流水 Mock
+export const mockTransactions = [
+  { id: 'T001', type: 'income', amount: 500.00, time: '2024-12-19 14:30', title: '商品销售收入-订单#1001' },
+  { id: 'T002', type: 'expend', amount: 200.00, time: '2024-12-19 12:00', title: '退款支出-订单#0998' },
+  { id: 'T003', type: 'income', amount: 1200.00, time: '2024-12-18 18:20', title: '商品销售收入-订单#0999' },
+  { id: 'T004', type: 'withdraw', amount: 5000.00, time: '2024-12-18 10:00', title: '提现申请' },
+  { id: 'T005', type: 'income', amount: 350.50, time: '2024-12-17 15:45', title: '商品销售收入-订单#0997' },
+]
+
+// 提现记录 Mock (复用 AuditItem 结构部分字段或定义新结构，这里简化复用)
+export const mockWithdrawHistory = [
+  { id: 'W001', amount: 5000.00, status: AuditStatus.PENDING, time: '2024-12-19 10:30', bank: '工商银行(8888)' },
+  { id: 'W005', amount: 10000.00, status: AuditStatus.APPROVED, time: '2024-12-01 09:00', bank: '工商银行(8888)' },
+  { id: 'W008', amount: 2000.00, status: AuditStatus.REJECTED, time: '2024-11-20 16:20', bank: '工商银行(8888)', reason: '账户信息有误' },
+]
diff --git a/src/pagesMerchant/dashboard/index.vue b/src/pagesMerchant/dashboard/index.vue
index 9867f38..f46264d 100644
--- a/src/pagesMerchant/dashboard/index.vue
+++ b/src/pagesMerchant/dashboard/index.vue
@@ -18,6 +18,7 @@ const todos = computed(() => {
     { icon: 'i-carbon-shopping-bag', label: '待发货订单', count: merchantStore.stats.pendingOrders, path: '/pagesMerchant/order/list' },
     { icon: 'i-carbon-warning', label: '库存预警', count: merchantStore.stats.lowStockGoods, path: '/pagesMerchant/goods/list' },
     { icon: 'i-carbon-wallet', label: '待结算', count: `¥${(merchantStore.stats.pendingSettlement / 100).toFixed(0)}`, path: '/pagesMerchant/finance/index' },
+    { icon: 'i-carbon-document', label: '待提供材料', count: 1, path: '/pagesMerchant/loan/assist' }, // 模拟数据
   ].filter(item => item.count)
 })
 
@@ -27,6 +28,7 @@ const quickActions = [
   { icon: 'i-carbon-add-alt', label: '新增商品', path: '/pagesMerchant/goods/edit' },
   { icon: 'i-carbon-wallet', label: '财务中心', path: '/pagesMerchant/finance/index' },
   { icon: 'i-carbon-settings', label: '店铺设置', path: '/pagesMerchant/me/shop' },
+  { icon: 'i-carbon-document', label: '贷款辅助', path: '/pagesMerchant/loan/assist' },
 ]
 
 // 加载数据
diff --git a/src/pagesMerchant/loan/assist.vue b/src/pagesMerchant/loan/assist.vue
new file mode 100644
index 0000000..170bbd2
--- /dev/null
+++ b/src/pagesMerchant/loan/assist.vue
@@ -0,0 +1,302 @@
+<script lang="ts" setup>
+import { getMerchantPendingAssistList, submitAssistMaterial } from '@/api/loan'
+
+definePage({
+  style: {
+    navigationBarTitleText: '贷款辅助材料',
+  },
+})
+
+interface LoanItem {
+  loanId: string
+  userName: string
+  amount: number
+  applyTime: string
+  isExpanded: boolean
+  materials: { type: string, url: string, name: string }[]
+}
+
+const list = ref<LoanItem[]>([])
+const loading = ref(false)
+
+async function loadData() {
+  loading.value = true
+  try {
+    const res = await getMerchantPendingAssistList()
+    list.value = res.list.map(item => ({
+      ...item,
+      isExpanded: false,
+      materials: []
+    }))
+  } finally {
+    loading.value = false
+  }
+}
+
+function handleExpand(item: LoanItem) {
+  item.isExpanded = !item.isExpanded
+}
+
+function handleUpload(item: LoanItem, type: string, name: string) {
+  uni.chooseImage({
+    count: 1,
+    success: (res) => {
+      // 模拟上传
+      item.materials.push({
+        type,
+        name,
+        url: res.tempFilePaths[0]
+      })
+    }
+  })
+}
+
+function removeMaterial(item: LoanItem, index: number) {
+  item.materials.splice(index, 1)
+}
+
+async function handleSubmit(item: LoanItem) {
+  if (item.materials.length === 0) {
+    uni.showToast({ title: '请至少上传一项材料', icon: 'none' })
+    return
+  }
+  
+  uni.showLoading({ title: '提交中...' })
+  try {
+    await submitAssistMaterial(item.loanId, item.materials)
+    uni.showToast({ title: '提交成功', icon: 'success' })
+    // 移除已处理项
+    const idx = list.value.indexOf(item)
+    if (idx > -1) list.value.splice(idx, 1)
+  } finally {
+    uni.hideLoading()
+  }
+}
+
+onMounted(() => {
+  loadData()
+})
+</script>
+
+<template>
+  <view class="assist-page">
+    <view v-if="loading && list.length === 0" class="loading">加载中...</view>
+    
+    <view v-else-if="list.length === 0" class="empty">
+      <text class="i-carbon-document-blank icon"></text>
+      <text>暂无需要提供材料的申请</text>
+    </view>
+    
+    <view class="list">
+      <view v-for="item in list" :key="item.loanId" class="card">
+        <view class="card-header">
+          <view class="info">
+            <text class="user">{{ item.userName }}的贷款申请</text>
+            <text class="time">{{ item.applyTime }}</text>
+          </view>
+          <view class="amount">
+            <text class="val">{{ item.amount }}</text>
+            <text class="unit">万</text>
+          </view>
+        </view>
+        
+        <view class="action-area" v-if="!item.isExpanded">
+          <button class="btn primary" @click="handleExpand(item)">提供材料</button>
+        </view>
+        
+        <!-- 上传区域 -->
+        <view class="upload-area" v-else>
+          <view class="upload-tip">请上传与该用户的真实交易凭证</view>
+          
+          <view class="material-types">
+            <view class="type-btn" @click="handleUpload(item, 'order', '交易订单')">
+              <text class="i-carbon-upload"></text> 上传订单
+            </view>
+            <view class="type-btn" @click="handleUpload(item, 'flow', '银行流水')">
+              <text class="i-carbon-upload"></text> 上传流水
+            </view>
+            <view class="type-btn" @click="handleUpload(item, 'invoice', '发票')">
+              <text class="i-carbon-upload"></text> 上传发票
+            </view>
+          </view>
+          
+          <!-- 已传列表 -->
+          <view class="preview-list" v-if="item.materials.length">
+            <view v-for="(mat, idx) in item.materials" :key="idx" class="preview-item">
+              <image :src="mat.url" mode="aspectFill" />
+              <view class="del-btn" @click="removeMaterial(item, idx)">
+                <text class="i-carbon-close"></text>
+              </view>
+              <text class="name">{{ mat.name }}</text>
+            </view>
+          </view>
+          
+          <div class="submit-actions">
+            <button class="btn" @click="handleExpand(item)">取消</button>
+            <button class="btn primary" @click="handleSubmit(item)">确认提交</button>
+          </div>
+        </view>
+      </view>
+    </view>
+  </view>
+</template>
+
+<style lang="scss" scoped>
+.assist-page {
+  min-height: 100vh;
+  background: #f5f7fa;
+  padding: 20rpx;
+}
+
+.empty {
+  display: flex;
+  flex-direction: column;
+  align-items: center;
+  padding-top: 200rpx;
+  color: #999;
+  
+  .icon { font-size: 80rpx; margin-bottom: 20rpx; }
+}
+
+.card {
+  background: #fff;
+  border-radius: 16rpx;
+  padding: 30rpx;
+  margin-bottom: 20rpx;
+  
+  .card-header {
+    display: flex;
+    justify-content: space-between;
+    align-items: flex-start;
+    margin-bottom: 20rpx;
+    
+    .info {
+      display: flex;
+      flex-direction: column;
+      .user { font-size: 30rpx; font-weight: bold; color: #333; margin-bottom: 8rpx; }
+      .time { font-size: 24rpx; color: #999; }
+    }
+    
+    .amount {
+      color: #ff8f0d;
+      font-weight: bold;
+      .val { font-size: 40rpx; }
+      .unit { font-size: 24rpx; margin-left: 4rpx; }
+    }
+  }
+}
+
+.action-area {
+  border-top: 1rpx solid #f5f5f5;
+  padding-top: 20rpx;
+  display: flex;
+  justify-content: flex-end;
+  
+  .btn {
+    font-size: 26rpx;
+    height: 64rpx;
+    line-height: 64rpx;
+    padding: 0 40rpx;
+    border-radius: 32rpx;
+    background: #00c05a;
+    color: #fff;
+  }
+}
+
+.upload-area {
+  background: #f8f9fa;
+  border-radius: 12rpx;
+  padding: 20rpx;
+  margin-top: 20rpx;
+  
+  .upload-tip { font-size: 24rpx; color: #666; margin-bottom: 20rpx; }
+  
+  .material-types {
+    display: flex;
+    gap: 20rpx;
+    margin-bottom: 20rpx;
+    
+    .type-btn {
+      flex: 1;
+      height: 72rpx;
+      background: #fff;
+      border: 1rpx dashed #ccc;
+      border-radius: 8rpx;
+      display: flex;
+      align-items: center;
+      justify-content: center;
+      font-size: 24rpx;
+      color: #666;
+      gap: 8rpx;
+      
+      &:active { background: #e6f7eb; border-color: #00c05a; color: #00c05a; }
+    }
+  }
+  
+  .preview-list {
+    display: flex;
+    flex-wrap: wrap;
+    gap: 20rpx;
+    margin-bottom: 20rpx;
+    
+    .preview-item {
+      position: relative;
+      width: 120rpx;
+      height: 120rpx;
+      
+      image { width: 100%; height: 100%; border-radius: 8rpx; }
+      
+      .del-btn {
+        position: absolute;
+        top: -10rpx;
+        right: -10rpx;
+        background: rgba(0,0,0,0.5);
+        border-radius: 50%;
+        width: 36rpx;
+        height: 36rpx;
+        display: flex;
+        align-items: center;
+        justify-content: center;
+        color: #fff;
+        font-size: 20rpx;
+      }
+      
+      .name {
+        position: absolute;
+        bottom: 0;
+        left: 0;
+        right: 0;
+        background: rgba(0,0,0,0.5);
+        color: #fff;
+        font-size: 18rpx;
+        text-align: center;
+        border-bottom-left-radius: 8rpx;
+        border-bottom-right-radius: 8rpx;
+      }
+    }
+  }
+  
+  .submit-actions {
+    display: flex;
+    justify-content: flex-end;
+    gap: 20rpx;
+    
+    .btn {
+      font-size: 26rpx;
+      height: 60rpx;
+      line-height: 60rpx;
+      padding: 0 30rpx;
+      border-radius: 30rpx;
+      background: #fff;
+      border: 1rpx solid #ddd;
+      color: #666;
+      
+      &.primary {
+        background: #00c05a;
+        border-color: #00c05a;
+        color: #fff;
+      }
+    }
+  }
+}
+</style>
diff --git a/src/store/bank.ts b/src/store/bank.ts
new file mode 100644
index 0000000..605fbe0
--- /dev/null
+++ b/src/store/bank.ts
@@ -0,0 +1,33 @@
+import { defineStore } from 'pinia'
+import { getBankStats } from '@/pagesBank/api'
+import type { BankStats } from '@/typings/bank'
+
+export const useBankStore = defineStore('bank', () => {
+  const stats = ref<BankStats | null>(null)
+  const loading = ref(false)
+
+  /** 获取银行统计数据 */
+  async function fetchStats() {
+    loading.value = true
+    try {
+      const res = await getBankStats()
+      stats.value = res
+    } catch (error) {
+      console.error('Fetch bank stats failed:', error)
+    } finally {
+      loading.value = false
+    }
+  }
+
+  /** 重置状态 */
+  function reset() {
+    stats.value = null
+  }
+
+  return {
+    stats,
+    loading,
+    fetchStats,
+    reset
+  }
+})
diff --git a/src/tabbar/config.ts b/src/tabbar/config.ts
index ddaca31..1277874 100644
--- a/src/tabbar/config.ts
+++ b/src/tabbar/config.ts
@@ -38,9 +38,8 @@ export const userTabbarList: CustomTabBarItem[] = [
   {
     text: '首页',
     pagePath: 'pages/index/index',
-    iconType: 'image',
-    icon: '/static/logo2.png',
-    iconActive: '/static/logo1.png',
+    iconType: 'unocss',
+    icon: 'i-carbon-home',
   },
   {
     pagePath: 'pages/sort/index',
diff --git a/src/typings/bank.ts b/src/typings/bank.ts
new file mode 100644
index 0000000..128392f
--- /dev/null
+++ b/src/typings/bank.ts
@@ -0,0 +1,61 @@
+/**
+ * 银行端类型定义
+ */
+
+/** 审核状态 */
+export enum AuditStatus {
+  PENDING = 'pending',     // 待审核
+  APPROVED = 'approved',   // 已通过
+  REJECTED = 'rejected',   // 已拒绝
+}
+
+/** 审核类型 */
+export enum AuditType {
+  WITHDRAW = 'withdraw',   // 提现审核
+  CREDIT = 'credit',       // 授信额度申请
+  MERCHANT = 'merchant',   // 商户入驻审核
+}
+
+/** 审核申请列表项 */
+export interface AuditItem {
+  id: string
+  merchantId: string
+  merchantName: string
+  type: AuditType
+  amount: number
+  status: AuditStatus
+  applyTime: string
+  remark?: string
+}
+
+/** 提现审核详情 */
+export interface WithdrawAuditDetail extends AuditItem {
+  bankName: string
+  bankAccount: string
+  memberLevel?: string    // 会员等级
+  transactionCount?: number // 近期交易频次
+}
+
+/** 银行客户信息 */
+export interface BankCustomer {
+  id: string
+  merchantId: string
+  merchantName: string
+  logo?: string
+  creditLimit: number      // 总授信额度
+  usedLimit: number        // 已使用额度
+  balance: number          // 当前余额
+  status: 'normal' | 'warning' | 'frozen'
+  contactName: string
+  contactPhone: string
+  joinTime: string
+}
+
+/** 银行统计指标 */
+export interface BankStats {
+  pendingAuditStore: number // 待审核商户
+  pendingAuditWithdraw: number // 待审核提现
+  todayApprovedCount: number // 今日审批通过数
+  totalLoanAmount: number   // 累计发放金额 (元)
+  activeCustomerCount: number // 活跃客户数
+}
diff --git a/src/typings/loan.ts b/src/typings/loan.ts
new file mode 100644
index 0000000..cd0ca67
--- /dev/null
+++ b/src/typings/loan.ts
@@ -0,0 +1,105 @@
+/**
+ * 贷款相关类型定义
+ */
+
+/** 贷款申请状态 */
+export enum LoanStatus {
+  DRAFT = 'draft',                 // 草稿
+  SUBMITTED = 'submitted',         // 已提交
+  ACCEPTED = 'accepted',           // 已受理
+  INVESTIGATING = 'investigating', // 上门调查中
+  REPORTED = 'reported',           // 已上报
+  APPROVING = 'approving',         // 审批中
+  APPROVED = 'approved',           // 审批通过
+  REJECTED = 'rejected',           // 已拒绝
+  SIGNING = 'signing',             // 待签约
+  SIGNED = 'signed',               // 已签约
+  DISBURSED = 'disbursed',         // 已放款
+}
+
+/** 辅助材料类型 */
+export type MaterialType = 'order' | 'flow' | 'invoice' | 'other'
+
+/** 商家辅助材料 */
+export interface AssistMaterial {
+  merchantId: string
+  merchantName: string
+  loanApplicationId: string
+  materials: {
+    type: MaterialType  // 订单/流水/发票/其他
+    url: string
+    name?: string
+    uploadTime: string
+  }[]
+  submitTime: string
+  status: 'pending' | 'submitted' | 'refused' // 待提交/已提交/拒绝提供
+}
+
+/** 贷款申请关联的商家 */
+export interface RelatedMerchant {
+  merchantId: string
+  merchantName: string
+  logo?: string
+  lastTradeTime: string
+  selected: boolean
+  assistStatus: 'pending' | 'submitted' | 'refused' // 辅助材料状态
+  materials?: AssistMaterial
+}
+
+/** 银行流程节点记录 */
+export interface BankProcessRecord {
+  step: 'accept' | 'investigate' | 'report' | 'approve' | 'sign' | 'disburse'
+  operator: string
+  operateTime: string
+  result?: 'pass' | 'reject'
+  opinion?: string
+  attachments?: string[] // 附件，如调查报告
+}
+
+/** 贷款申请详情 */
+export interface LoanApplication {
+  id: string
+  userId: string
+  userName: string
+  userPhone: string
+  
+  // 关联的商家列表
+  relatedMerchants: RelatedMerchant[]
+  
+  // 申请信息
+  amount: number           // 申请金额(万)
+  term: number             // 期限(月/年)
+  status: LoanStatus
+  
+  // 个人信息
+  personalInfo: {
+    name: string
+    phone: string
+    idCard: string
+    region: string[]
+    detailAddress: string
+  }
+  
+  // 经营信息
+  businessInfo: {
+    businessProject: string
+    businessTime: string
+    annualIncome: number
+    hasDebt: 'yes' | 'no'
+    debtAmount?: number
+    loanDemand: number
+    assets: string[]
+  }
+  
+  // 证件信息
+  documentInfo: {
+    businessLicense: string
+    otherMaterials: string[]
+  }
+  
+  // 银行流程记录
+  processRecords: BankProcessRecord[]
+  
+  createTime: string
+  updateTime: string
+}