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--- a/openspec/changes/integrate-insurance-flow/specs/bank-insurance-ui/spec.md
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+# Bank Insurance UI Specification
+
+## Overview
+
+This specification defines the UI requirements for the bank-side insurance functionality integration, including insurance information display, navigation flows, and workflow step visualization.
+
+## ADDED Requirements
+
+### Requirement: Audit Detail Insurance Display
+
+The audit detail page MUST display insurance information based on the loan status.
+
+#### Scenario: Display insurance information for insured loans
+
+**Given** a loan application with status `DISBURSED` and insurance policy exists
+
+**When** the user views the audit detail page
+
+**Then** the system SHALL display:
+- Insurance status as "保障中"
+- Insurance company name
+- Insurance product name
+- Policy number
+- Insurance amount matching the loan amount
+- Insurance term matching the loan term
+- "申请理赔" (Apply for Claim) button
+
+#### Scenario: Display purchase insurance option for uninsured loans
+
+**Given** a loan application with status `DISBURSED` and no insurance policy
+
+**When** the user views the audit detail page
+
+**Then** the system SHALL display:
+- "购买保险" (Purchase Insurance) button
+- No insurance policy details section
+
+### Requirement: Insurance Navigation
+
+The audit detail page MUST provide navigation to insurance-related pages.
+
+#### Scenario: Navigate to insurance application creation
+
+**Given** a loan application with status `DISBURSED`
+
+**When** the user clicks the "购买保险" button
+
+**Then** the system SHALL navigate to `/pagesBank/insurance/application/create` with query parameters:
+- `loanId`: The loan application ID
+- `loanAmount`: The loan amount in yuan
+- `loanTerm`: The loan term in months
+
+#### Scenario: Navigate to claim application creation
+
+**Given** a loan application with an active insurance policy
+
+**When** the user clicks the "申请理赔" button
+
+**Then** the system SHALL navigate to `/pagesBank/insurance/claim/create` with query parameters:
+- `loanId`: The loan application ID
+- `policyId`: The insurance policy ID
+- `policyNumber`: The insurance policy number
+
+### Requirement: Workflow Step Insurance Node
+
+The workflow step bar MUST conditionally display an insurance node.
+
+#### Scenario: Display insurance node for insured loans
+
+**Given** a loan application with status `DISBURSED` and an active insurance policy
+
+**When** the user views the audit detail page
+
+**Then** the system SHALL display an "投保" (Insurance) node in the workflow step bar
+
+**And** the insurance node SHALL appear between the "审批" (Approval) and "签约" (Signing) nodes
+
+**And** the insurance node SHALL be marked as completed
+
+#### Scenario: Hide insurance node for uninsured loans
+
+**Given** a loan application with status `DISBURSED` and no insurance policy
+
+**When** the user views the audit detail page
+
+**Then** the system SHALL NOT display an "投保" (Insurance) node in the workflow step bar
+
+### Requirement: Dashboard Insurance Shortcuts
+
+The bank dashboard MUST provide insurance management shortcuts.
+
+#### Scenario: Display insurance shortcuts on dashboard
+
+**Given** the user is on the bank dashboard page
+
+**When** the page loads
+
+**Then** the system SHALL display two insurance-related shortcuts in the quick actions area:
+- "投保管理" (Insurance Management) with icon `i-carbon-security`, navigating to `/pagesBank/insurance/application/list`
+- "理赔管理" (Claim Management) with icon `i-carbon-money`, navigating to `/pagesBank/insurance/claim/list`
+
+### Requirement: Audit List Insurance Shortcuts Removal
+
+The audit list page MUST NOT contain insurance shortcuts.
+
+#### Scenario: Remove insurance shortcuts from audit list
+
+**Given** the user is on the bank audit list page
+
+**When** the page loads
+
+**Then** the system SHALL NOT display the insurance actions section that was previously located above the audit list
+
+## Modified Requirements
+
+### Modified: Audit Detail Insurance Information Display
+
+The insurance information section on the audit detail page is enhanced to support multiple insurance states.
+
+**Previous Behavior**: Displayed static insurance information
+
+**New Behavior**:
+- Shows insurance policy details only when insurance exists
+- Shows "购买保险" button when no insurance exists
+- Shows "申请理赔" button when insurance exists and is active
+- Conditionally shows insurance node in workflow steps
+
+## Implementation Notes
+
+### File Locations
+
+- `src/pagesBank/audit/detail.vue`: Audit detail page with insurance display
+- `src/pagesBank/audit/list.vue`: Audit list page (shortcuts removed)
+- `src/pagesBank/dashboard/index.vue`: Dashboard page (shortcuts added)
+
+### Key Functions
+
+```typescript
+// Navigation to insurance application creation
+function handleBuyInsurance() {
+  uni.navigateTo({
+    url: `/pagesBank/insurance/application/create?loanId=${id.value}&loanAmount=${amount}&loanTerm=${term}`,
+  })
+}
+
+// Navigation to claim application creation
+function handleApplyClaim() {
+  uni.navigateTo({
+    url: `/pagesBank/insurance/claim/create?loanId=${id.value}&policyId=${policyId}&policyNumber=${policyNumber}`,
+  })
+}
+```
+
+### Workflow Steps Configuration
+
+```typescript
+const steps = [
+  { key: 'SUBMITTED', label: '申请' },
+  { key: 'ACCEPTED', label: '受理' },
+  { key: 'INVESTIGATING', label: '调查' },
+  { key: 'APPROVING', label: '审批' },
+  { key: 'INSURANCE', label: '投保', condition: (detail) => detail.hasInsurance },
+  { key: 'SIGNING', label: '签约' },
+  { key: 'DISBURSED', label: '放款' },
+]
+```
+
+## Related Capabilities
+
+- `bank-insurance-integration`: Core insurance integration functionality
+- `insurance-underwriting`: Insurance underwriting workflow
+- `insurance-claim-review`: Insurance claim review workflow