shop-toy/openspec/changes/archive/2026-01-12-integrate-insurance-flow/specs/bank-insurance-ui/spec.md

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

// 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

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