# 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