diff --git a/README.md b/README.md
index f33dd34..91aeeb6 100644
--- a/README.md
+++ b/README.md
@@ -1,6 +1,6 @@
 # AI 融资移动端
 
-基于 uni-app x、Vue 3、UTS 的移动端原型，包含 19 个页面。使用 HBuilderX（VDOM 模式）开发，已验证 5.24 和 5.26 的本地编译；本项目没有独立的 npm 构建入口。
+基于 uni-app x、Vue 3、UTS 的移动端原型，包含 25 个页面。使用 HBuilderX（VDOM 模式）开发，已验证 5.24 和 5.26 的本地编译；本项目没有独立的 npm 构建入口。
 
 ## 本地运行
 
@@ -33,7 +33,7 @@ $projectPath = (Get-Location).Path
 
 - 页面尺寸和安全区计算集中在 `services/layout.uts`。新增页面应复用这里的逻辑，并检查小屏、横屏、键盘弹出及底部安全区。
 - 微信小程序首页在右侧预留胶囊区域与 8px 间距；公共页面标题采用左右对称的安全留白，始终按屏幕中心定位。获取胶囊失败时按 104px 避让。产品分享入口在小程序端放在内容区，App 和 Web 仍保留在标题栏右侧。导航不新增顶部空行，顶部按状态栏和安全区计算。
-- 首页右上角只保留消息通知；微信端通知按钮与胶囊等高、顶部对齐，左侧 Logo 对齐胶囊的垂直中心；其他端仍在导航栏内居中。AI 助手保留首页横幅及快捷入口。
+- 首页右上角依次为搜索、消息通知；微信端两个按钮与胶囊等高、顶部对齐，按钮组向左展开，左侧 Logo 对齐胶囊的垂直中心；其他端仍在导航栏内居中。AI 助手保留首页横幅及快捷入口。
 - 原生样式遵循 uni-app x 支持范围。仅 Web/小程序支持的样式用条件编译隔离；修改 UTS 类型后应重新验证 Android 编译。
 - 首页及跨包共用的轻量位图位于 `static/mobile/`，专属大图位于各分包的 `static/`，原始图片保留在 `static/images/` 与 `static/icons-generated/`。箭头继续使用 `static/icons/` 下的 SVG。
 - 底栏使用 `static/mobile/navigation/` 的专用位图，由现有高清图标按可见边界裁切、等高居中得到。更换素材时保持一致的图案高度和画布留白，避免仅统一图片元素尺寸却出现视觉错位。
@@ -44,18 +44,33 @@ $projectPath = (Get-Location).Path
 
 个人与企业评估分别保存本机草稿；选图仅供本机预览，资料上传和数据查询尚未接入。课程章节进度、消息已读与体验签到均保存在当前设备，不代表服务器账户数据。
 
+个人中心顶部的头像、昵称、手机号区域统一进入修改资料；账户安全独立提供修改密码、验证码重设密码及换绑手机号。昵称和头像按当前手机号隔离保存在本机，头像使用 500KB 以内的 JPG / PNG / WebP 数据，不保存会失效的临时路径，不修改融资档案的实名信息。真实账户认证尚未接入，修改密码和换绑手机号不会在本机模拟成功，也不保存密码、验证码或其散列。安全接口成功后清除当前会话并要求重新登录；验证码计时仅在服务端发送成功后启动。
+
+账户接口集中在 `packages/account/services/account.uts`，请求携带当前会话的 `Authorization: Bearer <token>`；后端需根据 token 确定账户，校验验证码用途与有效期、限制发送频率并完成旧会话撤销。预留：
+
+- `PUT /account/profile`：`nickname`、`avatar`（图片 data URL 或空字符串）；昵称 2–20 字符。当前本地缓存用于个人中心回显，后续应接入服务端资料读取和持久头像存储。
+- `POST /account/security/sms-code`：`purpose`（`password` / `phone-current` / `phone-new`）与 `newPhone`（仅新号码验证传入）；当前号码从认证账户读取。
+- `PUT /account/password`：`verification`（`password` / `sms`）、`oldPassword` 或 `code`、`newPassword`。新密码为 8–32 位可打印 ASCII，需含字母和数字，不允许空格。
+- `PUT /account/phone`：`newPhone`、`currentCode`、`newCode`；后端验证两组验证码及新号码占用情况。
+
+资产与负债包含 `creditLoanCount`（信用贷款笔数）、`totalDebtBalance`（欠款总余额）、`monthlyLoanPayment`（贷款月还款金额）、`creditCardCount`（银行信用卡张数）、`creditCardTotalLimit`（总额度）、`creditCardUsedLimit`（已使用总额度）、`house` / `car`（有 / 无）。金额以元计，最多两位小数，数量为非负整数；保持原来的可跳过规则，填满八项后计为档案已完善。旧草稿的房车选项自动映射，新数字字段留空，不从旧存款区间或信用卡状态猜测金额；旧字段保留在草稿中以免丢失历史输入。
+
 新闻与课程的数据定义位于 `packages/content/services/content.uts`，产品定义位于 `packages/finance/services/finance.uts`。产品列表与详情共用 ID；预留 `GET /matches`（`items` 数组）及 `GET /products/:id`（单个产品），字段见 `FinanceProduct`，其中 `amount` 为万元数值、`rate` 为年化百分比数值。申请入口目前仅引导准备资料，不向金融机构提交申请。
 
+首页搜索进入内容分包的 `search/search`，支持全部、新闻、融资课堂筛选及对应详情跳转。搜索服务位于 `packages/content/services/search.uts`，当前匹配本地标题、简介、分类和正文；空格分隔的多个关键词需同时命中。预留 `GET /content/search`，参数为 `keyword` 与 `type`（`all` / `news` / `lesson`），返回 `{ items: ContentSearchResult[] }`，每项包含 `id`、`type`、`title`、`summary`、`category`、`meta`、`image`。后端接入时需同步接入新闻和课程详情的数据源，确保返回的 ID 可查询详情。
+
 ## 页面与分包
 
+“帮助与反馈”从个人中心进入内容分包的 `help/help`，按账户使用、融资评估、资料与隐私分组展示可展开的问答，不跳转 AI 助手。数据与客服接入点位于 `packages/content/services/help.uts`；预留 `GET /help/faqs` 返回 `{ items: HelpQuestion[] }`。联系客服当前只展示暂未开放提示，不发起客服会话或提交反馈。
+
 `pages/` 只保留 `home/home.uvue`，也是唯一主包页面。页面注册统一维护在 `pages.json` 的 `pages` 和 `subPackages`，分包内的 `path` 相对于 `root`。
 
 | 目录 | 内容 | 页面数 |
 | --- | --- | --- |
 | `pages/home` | 首页 | 1 |
 | `packages/finance` | 融资入口、评估、确认、分析、报告、匹配、产品、助手、档案 | 9 |
-| `packages/account` | 启动引导、登录、个人中心、积分、消息 | 5 |
-| `packages/content` | 新闻、文章、融资课堂、课程详情 | 4 |
+| `packages/account` | 启动引导、登录、个人中心、修改资料、账户安全、修改密码、更换手机号、积分、消息 | 9 |
+| `packages/content` | 搜索、帮助与反馈、新闻、文章、融资课堂、课程详情 | 6 |
 
 当前各模块体积较小，优先保持完整业务链；普通内容统一一个包。新增功能先放入所属分包，再根据微信编译产物大小决定是否细分。单包以 2 MiB 为保守预算，需预留增长空间，最终体积以微信开发者工具为准。
 
diff --git a/manifest.json b/manifest.json
index 6c79cd1..dc59dff 100644
--- a/manifest.json
+++ b/manifest.json
@@ -1,73 +1,81 @@
 {
-    "name" : "ai融资",
-    "appid" : "__UNI__F40DD82",
-    "description" : "",
-    "versionName" : "1.0.0",
-    "versionCode" : "100",
-    "uni-app-x" : {
-        "styleIsolationVersion" : "2"
-    },
-    /* 快应用特有相关 */
-    "quickapp" : {},
-    /* 小程序特有相关 */
-    "mp-weixin" : {
-        "appid" : "",
-        "packOptions" : {
-            "ignore" : [
-                { "type": "folder", "value": "static/images" },
-                { "type": "folder", "value": "static/icons-generated" },
-                { "type": "file", "value": "static/logo.png" }
-            ]
-        },
-        "setting" : {
-            "urlCheck" : false
-        },
-        "usingComponents" : true
-    },
-    "mp-alipay" : {
-        "usingComponents" : true
-    },
-    "mp-baidu" : {
-        "usingComponents" : true
-    },
-    "mp-toutiao" : {
-        "usingComponents" : true
-    },
-    "uniStatistics" : {
-        "enable" : false
-    },
-    "vueVersion" : "3",
-    "app" : {
-        "distribute" : {
-            "icons" : {
-                "android" : {
-                    "hdpi" : "",
-                    "xhdpi" : "",
-                    "xxhdpi" : "",
-                    "xxxhdpi" : ""
-                }
-            }
-        }
-    },
-    "app-android" : {
-        "distribute" : {
-            "modules" : {},
-            "icons" : {
-                "hdpi" : "",
-                "xhdpi" : "",
-                "xxhdpi" : "",
-                "xxxhdpi" : ""
-            },
-            "splashScreens" : {
-                "default" : {}
-            }
-        }
-    },
-    "app-ios" : {
-        "distribute" : {
-            "modules" : {},
-            "icons" : {},
-            "splashScreens" : {}
-        }
-    }
-}
+	"name": "ai融资",
+	"appid": "__UNI__204876E",
+	"description": "",
+	"versionName": "1.0.0",
+	"versionCode": "100",
+	"uni-app-x": {
+		"styleIsolationVersion": "2"
+	},
+	/* 快应用特有相关 */
+	"quickapp": {},
+	/* 小程序特有相关 */
+	"mp-weixin": {
+		"appid": "wx8e92cbd69e97d2b8",
+		"packOptions": {
+			"ignore": [{
+					"type": "folder",
+					"value": "static/images"
+				},
+				{
+					"type": "folder",
+					"value": "static/icons-generated"
+				},
+				{
+					"type": "file",
+					"value": "static/logo.png"
+				}
+			]
+		},
+		"setting": {
+			"urlCheck": false
+		},
+		"usingComponents": true
+	},
+	"mp-alipay": {
+		"usingComponents": true
+	},
+	"mp-baidu": {
+		"usingComponents": true
+	},
+	"mp-toutiao": {
+		"usingComponents": true
+	},
+	"uniStatistics": {
+		"enable": false
+	},
+	"vueVersion": "3",
+	"app": {
+		"distribute": {
+			"icons": {
+				"android": {
+					"hdpi": "",
+					"xhdpi": "",
+					"xxhdpi": "",
+					"xxxhdpi": ""
+				}
+			}
+		}
+	},
+	"app-android": {
+		"distribute": {
+			"modules": {},
+			"icons": {
+				"hdpi": "",
+				"xhdpi": "",
+				"xxhdpi": "",
+				"xxxhdpi": ""
+			},
+			"splashScreens": {
+				"default": {}
+			}
+		}
+	},
+	"app-ios": {
+		"distribute": {
+			"modules": {},
+			"icons": {},
+			"splashScreens": {}
+		}
+	}
+}
\ No newline at end of file
diff --git a/packages/account/change-phone/change-phone.uvue b/packages/account/change-phone/change-phone.uvue
new file mode 100644
index 0000000..7926bc2
--- /dev/null
+++ b/packages/account/change-phone/change-phone.uvue
@@ -0,0 +1,38 @@
+<template>
+	<view class="page" :style="pageStyle()"><AppHeader title="更换手机号" />
+		<scroll-view scroll-y :style="contentStyle(96, false)"><view class="account-form-content" :style="bottomStyle(40)">
+			<text class="form-title">验证并绑定新手机号</text><text class="form-description">请分别验证当前号码和新号码，确保账户由您本人操作。</text>
+			<view class="form-card"><text class="form-label">当前手机号 {{ maskPhone(phone) }}</text><SecurityCode v-model="currentCode" :disabled="submitting" purpose="phone-current" @error="codeError" @sent="errorMessage = ''" /></view>
+			<view class="form-card"><text class="form-label">新手机号</text><input v-model="newPhone" class="account-input new-phone" :disabled="submitting" type="number" maxlength="11" placeholder="请输入新的 11 位手机号" /><SecurityCode v-model="newCode" :disabled="submitting || !validPhone(newPhone) || newPhone == phone" purpose="phone-new" :phone="newPhone" @error="codeError" @sent="errorMessage = ''" /></view>
+			<text class="form-hint">换绑成功后需要使用新手机号登录。若原号码已无法接收短信，请通过官方客服核验身份后处理。</text>
+			<text v-if="errorMessage.length > 0" class="form-error">{{ errorMessage }}</text>
+			<button class="primary-button form-submit" :disabled="submitting" @click="submit">{{ submitting ? '提交中…' : '确认更换' }}</button>
+		</view></scroll-view>
+	</view>
+</template>
+<script setup lang="uts">
+	import AppHeader from '@/components/AppHeader.uvue'
+	import SecurityCode from '@/packages/account/components/SecurityCode.uvue'
+	import { usePageLayout } from '@/services/layout.uts'
+	import { getSession, clearSession } from '@/services/api.uts'
+	import { getAccountProfile, maskPhone, validPhone, changeAccountPhone } from '@/packages/account/services/account.uts'
+	const { pageStyle, contentStyle, bottomStyle } = usePageLayout()
+	const phone = ref(''); const newPhone = ref(''); const currentCode = ref(''); const newCode = ref(''); const submitting = ref(false); const errorMessage = ref('')
+	onLoad(() => { if (getSession() == null) { uni.redirectTo({ url: '/packages/account/login/login' }); return }; phone.value = getAccountProfile().phone })
+	const codeError = (message: string) => { errorMessage.value = message }
+	const submit = async () => {
+		if (submitting.value) return
+		submitting.value = true; errorMessage.value = ''
+		try {
+			if (getAccountProfile().phone != phone.value) throw new Error('登录状态已变化，请重新进入页面')
+			await changeAccountPhone(newPhone.value, currentCode.value, newCode.value)
+			currentCode.value = ''; newCode.value = ''; clearSession(); uni.reLaunch({ url: '/packages/account/login/login' }); uni.showToast({ title: '手机号已更换，请重新登录', icon: 'none' })
+		} catch (error) { errorMessage.value = error instanceof Error ? error.message : '更换失败，请稍后重试' }
+		finally { submitting.value = false }
+	}
+	onHide(() => { currentCode.value = ''; newCode.value = '' })
+	onUnload(() => { currentCode.value = ''; newCode.value = '' })
+</script>
+<style>
+	@import '../styles/forms.css';
+</style>
diff --git a/packages/account/components/SecurityCode.uvue b/packages/account/components/SecurityCode.uvue
new file mode 100644
index 0000000..1572c28
--- /dev/null
+++ b/packages/account/components/SecurityCode.uvue
@@ -0,0 +1,31 @@
+<template>
+	<view class="code-field"><input class="code-input" :value="modelValue" :disabled="disabled" type="number" maxlength="6" placeholder="请输入 6 位验证码" @input="emit('update:modelValue', $event.detail.value)" /><button class="code-button" :disabled="disabled || sending || countdown > 0" @click="send">{{ sending ? '发送中…' : (countdown > 0 ? countdown + 's 后重试' : '获取验证码') }}</button></view>
+</template>
+<script setup lang="uts">
+	import { requestSecurityCode } from '@/packages/account/services/account.uts'
+	const props = defineProps({ modelValue: { type: String, default: '' }, purpose: { type: String, default: 'password' }, phone: { type: String, default: '' }, disabled: { type: Boolean, default: false } })
+	const emit = defineEmits(['update:modelValue', 'error', 'sent'])
+	const sending = ref(false); const countdown = ref(0)
+	let timer = 0; let version = 0; let expiresAt = 0
+	const reset = () => { version++; clearInterval(timer); countdown.value = 0; sending.value = false }
+	const targetPhone = computed((): string => props.phone)
+	watch(targetPhone, () => { reset(); emit('update:modelValue', '') })
+	const send = async () => {
+		if (props.disabled || sending.value || countdown.value > 0) return
+		const current = ++version; sending.value = true
+		try {
+			await requestSecurityCode(props.purpose, props.phone)
+			if (current != version) return
+			expiresAt = Date.now() + 60000; countdown.value = 60
+			timer = setInterval(() => { countdown.value = Math.max(0, Math.ceil((expiresAt - Date.now()) / 1000)); if (countdown.value == 0) clearInterval(timer) }, 1000)
+			emit('sent'); uni.showToast({ title: '验证码已发送', icon: 'none' })
+		} catch (error) { if (current == version) emit('error', error instanceof Error ? error.message : '发送失败，请稍后重试') }
+		finally { if (current == version) sending.value = false }
+	}
+	onUnmounted(() => reset())
+</script>
+<style>
+	.code-field { flex-direction: row; align-items: center; height: 96rpx; border-bottom: 1rpx solid #edf1f6; }
+	.code-input { flex: 1; min-width: 0; font-size: 27rpx; color: #23344e; }
+	.code-button { flex-shrink: 0; padding: 0 12rpx; margin: 0 0 0 12rpx; height: 72rpx; line-height: 72rpx; font-size: 24rpx; color: #0868f7; background-color: transparent; }
+</style>
diff --git a/packages/account/edit-profile/edit-profile.uvue b/packages/account/edit-profile/edit-profile.uvue
new file mode 100644
index 0000000..e5500ba
--- /dev/null
+++ b/packages/account/edit-profile/edit-profile.uvue
@@ -0,0 +1,83 @@
+<template>
+	<view class="page" :style="pageStyle()">
+		<AppHeader title="修改资料" customBack @back="back" />
+		<scroll-view scroll-y :style="contentStyle(96, false)"><view class="edit-content" :style="bottomStyle(40)">
+			<view class="avatar-panel" @click="chooseAvatar"><image class="edit-avatar" :src="avatar.length > 0 ? avatar : DEFAULT_AVATAR" mode="aspectFill" @error="avatar = ''" /><text class="avatar-action">{{ choosing ? '读取中…' : '更换头像' }}</text></view>
+			<view class="edit-card"><text class="field-title">昵称</text><input v-model="nickname" class="nickname-input" :disabled="saving" maxlength="20" placeholder="请输入昵称" /><text class="field-help">2–20 个字符，用于个人中心展示</text></view>
+			<view class="phone-row" @click="openPhone"><view class="phone-copy"><text class="field-title">绑定手机号</text><text class="phone-value">{{ maskPhone(phone) }}</text></view><text class="change-label">更换</text><AppIcon name="chevron-right" :size="28" /></view>
+			<text class="profile-note">昵称与融资档案中的实名信息独立，修改后不影响已填写的融资资料。</text>
+			<text v-if="errorMessage.length > 0" class="error-text">{{ errorMessage }}</text>
+			<button class="primary-button save-button" :disabled="saving || choosing" @click="save">{{ saving ? '保存中…' : '保存资料' }}</button>
+		</view></scroll-view>
+	</view>
+</template>
+<script setup lang="uts">
+	import AppHeader from '@/components/AppHeader.uvue'
+	import AppIcon from '@/components/AppIcon.uvue'
+	import { usePageLayout } from '@/services/layout.uts'
+	import { getSession } from '@/services/api.uts'
+	import { DEFAULT_AVATAR, maskPhone, getAccountProfile, saveAccountProfile, readAvatar } from '@/packages/account/services/account.uts'
+	const { pageStyle, contentStyle, bottomStyle } = usePageLayout()
+	const nickname = ref(''); const avatar = ref(''); const phone = ref(''); const saving = ref(false); const choosing = ref(false); const errorMessage = ref('')
+	let originalName = ''; let originalAvatar = ''; let alive = true
+	onLoad(() => {
+		if (getSession() == null) { uni.redirectTo({ url: '/packages/account/login/login' }); return }
+		const profile = getAccountProfile(); nickname.value = profile.nickname; avatar.value = profile.avatar; phone.value = profile.phone
+		originalName = profile.nickname; originalAvatar = profile.avatar
+	})
+	const dirty = (): boolean => nickname.value.trim() != originalName || avatar.value != originalAvatar
+	const leave = () => { if (getCurrentPages().length > 1) uni.navigateBack(); else uni.redirectTo({ url: '/packages/account/profile/profile' }) }
+	const back = () => {
+		if (saving.value) return
+		if (!dirty()) { leave(); return }
+		uni.showModal({ title: '放弃修改？', content: '当前修改尚未保存。', confirmText: '放弃修改', success: (result) => { if (result.confirm) { originalName = nickname.value.trim(); originalAvatar = avatar.value; leave() } } })
+	}
+	onBackPress((event): boolean => { if (event.from == 'navigateBack') return false; if (saving.value || dirty()) { back(); return true }; return false })
+	const loadAvatar = async (path: string) => {
+		choosing.value = true; errorMessage.value = ''
+		try { const image = await readAvatar(path); if (alive) avatar.value = image }
+		catch (error) { if (alive) errorMessage.value = error instanceof Error ? error.message : '图片读取失败' }
+		finally { if (alive) choosing.value = false }
+	}
+	const chooseAvatar = () => {
+		if (saving.value || choosing.value) return
+		uni.showActionSheet({ itemList: ['从相册选择', '恢复默认头像'], success: (action) => {
+			if (action.tapIndex == 1) { avatar.value = ''; return }
+			uni.chooseImage({ count: 1, sizeType: ['compressed'], sourceType: ['album'], success: (result) => {
+				if (result.tempFilePaths.length == 0) return
+				if (result.tempFiles[0].size > 512000) { errorMessage.value = '请选择 500KB 以内的图片'; return }
+				loadAvatar(result.tempFilePaths[0])
+			}, fail: (error) => { if (!error.errMsg.includes('cancel')) errorMessage.value = '无法打开相册，请检查权限后重试' } })
+		} })
+	}
+	const openPhone = () => { if (!saving.value && !choosing.value) uni.navigateTo({ url: '/packages/account/change-phone/change-phone' }) }
+	const save = async () => {
+		if (saving.value || choosing.value) return
+		errorMessage.value = ''; saving.value = true
+		try {
+			if (getAccountProfile().phone != phone.value) throw new Error('登录状态已变化，请重新进入页面')
+			await saveAccountProfile(nickname.value, avatar.value)
+			originalName = nickname.value.trim(); originalAvatar = avatar.value
+			uni.showToast({ title: '资料已保存', icon: 'success' }); leave()
+		} catch (error) { errorMessage.value = error instanceof Error ? error.message : '保存失败，请稍后重试' }
+		finally { saving.value = false }
+	}
+	onUnload(() => { alive = false })
+</script>
+<style>
+	.edit-content { padding: 28rpx 30rpx 40rpx; }
+	.avatar-panel { align-items: center; padding: 20rpx 0 36rpx; }
+	.edit-avatar { width: 140rpx; height: 140rpx; border-radius: 70rpx; background-color: #eaf2ff; }
+	.avatar-action { color: #0868f7; font-size: 27rpx; margin-top: 20rpx; }
+	.edit-card { padding: 26rpx; border-radius: 18rpx; background-color: #ffffff; }
+	.field-title { color: #29394f; font-size: 28rpx; font-weight: 600; }
+	.nickname-input { height: 86rpx; color: #23344e; font-size: 30rpx; border-bottom: 1rpx solid #edf1f6; }
+	.field-help { color: #8793a6; font-size: 23rpx; margin-top: 16rpx; }
+	.phone-row { flex-direction: row; align-items: center; padding: 26rpx; margin-top: 20rpx; border-radius: 18rpx; background-color: #ffffff; }
+	.phone-copy { flex: 1; }
+	.phone-value { color: #66758a; font-size: 26rpx; margin-top: 12rpx; }
+	.change-label { color: #0868f7; font-size: 25rpx; margin-right: 8rpx; }
+	.profile-note { color: #738198; font-size: 24rpx; line-height: 38rpx; margin: 24rpx 4rpx; }
+	.error-text { color: #d64040; font-size: 25rpx; line-height: 38rpx; margin-bottom: 20rpx; }
+	.save-button { margin: 12rpx 0 0; }
+</style>
diff --git a/packages/account/messages/messages.uvue b/packages/account/messages/messages.uvue
index 5b5a229..420256b 100644
--- a/packages/account/messages/messages.uvue
+++ b/packages/account/messages/messages.uvue
@@ -7,7 +7,7 @@
 				<view class="message-summary"><text class="summary-text">{{ unreadCount > 0 ? unreadCount + ' 条未读消息' : '消息已全部阅读' }}</text><view class="read-all" @click="markAllRead"><text class="read-all-text">全部已读</text></view></view>
 				<view class="notice-list">
 					<view class="notice" v-for="(item, index) in filteredNotices" :key="item.id" :class="index == filteredNotices.length - 1 ? 'last-notice' : ''" @click="openNotice(item)">
-						<view class="notice-icon"><AppIcon :name="item.icon" :size="58" /><view v-if="item.unread" class="unread"></view></view>
+						<view class="notice-icon" :class="'notice-icon-' + item.icon"><view class="notice-icon-surface"><image class="notice-symbol" :src="'/packages/account/static/notifications/' + item.icon + '.svg'" mode="aspectFit" /></view><view v-if="item.unread" class="unread"></view></view>
 						<view class="notice-copy"><view class="notice-head"><text class="notice-title">{{ item.title }}</text><text class="notice-time">{{ item.time }}</text></view><text class="notice-desc">{{ item.desc }}</text><text class="notice-category">{{ item.category }}</text></view>
 					</view>
 				</view>
@@ -22,7 +22,6 @@
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import BottomNav from '@/components/BottomNav.uvue'
-	import AppIcon from '@/components/AppIcon.uvue'
 	const { contentStyle, pageStyle } = usePageLayout()
 	const tabs: string[] = ['全部', '系统通知', '服务通知', '活动消息']
 	const tab = ref('全部')
@@ -67,15 +66,20 @@
 	.read-all { padding: 14rpx 0 14rpx 24rpx; }
 	.read-all-text { color: #0868f7; font-size: 23rpx; }
 	.notice-list { background-color: #ffffff; border-radius: 18rpx; padding: 0 20rpx; }
-	.notice { padding: 26rpx 0; border-bottom: 1rpx solid #e8eef6; flex-direction: row; align-items: flex-start; }
+	.notice { padding: 26rpx 0; border-bottom: 1rpx solid #e8eef6; flex-direction: row; align-items: center; }
 	.last-notice { border-bottom-width: 0; }
-	.notice-icon { width: 70rpx; height: 70rpx; align-items: center; justify-content: center; margin-right: 18rpx; position: relative; flex-shrink: 0; }
-	.notice-copy { flex: 1; }
+	.notice-icon { width: 76rpx; height: 76rpx; margin-right: 20rpx; position: relative; flex-shrink: 0; }
+	.notice-icon-surface { width: 100%; height: 100%; border-radius: 20rpx; background-color: #edf5ff; align-items: center; justify-content: center; }
+	.notice-icon-payout .notice-icon-surface { background-color: #eaf7f3; }
+	.notice-icon-gift .notice-icon-surface { background-color: #fff3e8; }
+	.notice-symbol { width: 46rpx; height: 46rpx; flex-shrink: 0; }
+	.notice-copy { flex: 1; min-width: 0; }
 	.notice-head { flex-direction: row; justify-content: space-between; align-items: flex-start; }
 	.notice-title { color: #172640; font-size: 28rpx; line-height: 40rpx; font-weight: 600; flex: 1; }
 	.notice-time { color: #66758a; font-size: 22rpx; line-height: 40rpx; margin-left: 12rpx; flex-shrink: 0; }
 	.notice-desc { color: #66758a; font-size: 25rpx; line-height: 38rpx; margin-top: 10rpx; }
 	.notice-category { color: #66758a; font-size: 22rpx; line-height: 32rpx; margin-top: 10rpx; }
-	.unread { position: absolute; width: 15rpx; height: 15rpx; border-radius: 8rpx; background-color: #f04452; border: 2rpx solid #ffffff; right: 0; top: 0; }
+	/* 红点独立于圆角背景，避免跨端圆角裁切。 */
+	.unread { position: absolute; width: 15rpx; height: 15rpx; border-radius: 8rpx; background-color: #f04452; border: 2rpx solid #ffffff; right: -3rpx; top: -3rpx; z-index: 1; }
 	.message-footer { color: #66758a; font-size: 22rpx; text-align: center; margin-top: 28rpx; }
 </style>
diff --git a/packages/account/password/password.uvue b/packages/account/password/password.uvue
new file mode 100644
index 0000000..988825d
--- /dev/null
+++ b/packages/account/password/password.uvue
@@ -0,0 +1,53 @@
+<template>
+	<view class="page" :style="pageStyle()"><AppHeader :title="mode == 'password' ? '修改密码' : '重设密码'" />
+		<scroll-view scroll-y :style="contentStyle(96, false)"><view class="account-form-content" :style="bottomStyle(40)">
+			<text class="form-title">{{ mode == 'password' ? '设置新的登录密码' : '验证手机号，重设密码' }}</text>
+			<text class="form-description">{{ mode == 'password' ? '为保障账户安全，请先验证当前密码。' : '验证码将发送至绑定手机号 ' + maskPhone(phone) }}</text>
+			<view class="form-card">
+				<template v-if="mode == 'password'"><text class="form-label">当前密码</text><input v-model="oldPassword" class="account-input old-password" :disabled="submitting" :password="!visible" maxlength="64" placeholder="请输入当前密码" /></template>
+				<template v-else><text class="form-label">短信验证码</text><SecurityCode v-model="code" :disabled="submitting" purpose="password" @error="codeError" @sent="errorMessage = ''" /></template>
+				<text class="form-label">新密码</text><input v-model="newPassword" class="account-input new-password" :disabled="submitting" :password="!visible" maxlength="32" placeholder="8–32 位，包含字母和数字" />
+				<text class="form-label">确认新密码</text><input v-model="confirmation" class="account-input confirm-password" :disabled="submitting" :password="!visible" maxlength="32" placeholder="请再次输入新密码" confirm-type="done" @confirm="submit" />
+				<text class="visibility-control" @click="visible = !visible">{{ visible ? '隐藏密码' : '显示密码' }}</text>
+			</view>
+			<text class="form-hint">密码可包含英文符号，不支持空格。修改成功后请使用新密码重新登录。</text>
+			<text v-if="errorMessage.length > 0" class="form-error">{{ errorMessage }}</text>
+			<button class="primary-button form-submit" :disabled="submitting" @click="submit">{{ submitting ? '提交中…' : '确认修改' }}</button>
+			<text class="form-link" @click="switchMode">{{ mode == 'password' ? '忘记当前密码？使用短信验证' : '使用当前密码验证' }}</text>
+		</view></scroll-view>
+	</view>
+</template>
+<script setup lang="uts">
+	import AppHeader from '@/components/AppHeader.uvue'
+	import SecurityCode from '@/packages/account/components/SecurityCode.uvue'
+	import { usePageLayout } from '@/services/layout.uts'
+	import { getSession, clearSession } from '@/services/api.uts'
+	import { getAccountProfile, maskPhone, validNewPassword, validCode, changeAccountPassword } from '@/packages/account/services/account.uts'
+	const { pageStyle, contentStyle, bottomStyle } = usePageLayout()
+	const mode = ref('password'); const phone = ref(''); const oldPassword = ref(''); const newPassword = ref(''); const confirmation = ref(''); const code = ref(''); const visible = ref(false); const submitting = ref(false); const errorMessage = ref('')
+	onLoad((options) => { if (getSession() == null) { uni.redirectTo({ url: '/packages/account/login/login' }); return }; phone.value = getAccountProfile().phone; if (options != null && options['mode'] == 'sms') mode.value = 'sms' })
+	const clearSecrets = () => { oldPassword.value = ''; newPassword.value = ''; confirmation.value = ''; code.value = ''; visible.value = false }
+	const switchMode = () => { if (submitting.value) return; clearSecrets(); errorMessage.value = ''; mode.value = mode.value == 'password' ? 'sms' : 'password' }
+	const codeError = (message: string) => { errorMessage.value = message }
+	const submit = async () => {
+		if (submitting.value) return
+		errorMessage.value = ''
+		if (mode.value == 'password' && oldPassword.value.length == 0) { errorMessage.value = '请输入当前密码'; return }
+		if (mode.value == 'sms' && !validCode(code.value)) { errorMessage.value = '请输入 6 位数字验证码'; return }
+		if (!validNewPassword(newPassword.value)) { errorMessage.value = '新密码需为 8–32 位，包含字母和数字，可使用符号'; return }
+		if (newPassword.value != confirmation.value) { errorMessage.value = '两次输入的新密码不一致'; return }
+		submitting.value = true
+		try {
+			if (getAccountProfile().phone != phone.value) throw new Error('登录状态已变化，请重新进入页面')
+			await changeAccountPassword(mode.value, oldPassword.value, code.value, newPassword.value)
+			clearSecrets(); clearSession(); uni.reLaunch({ url: '/packages/account/login/login' }); uni.showToast({ title: '密码已修改，请重新登录', icon: 'none' })
+		} catch (error) { errorMessage.value = error instanceof Error ? error.message : '修改失败，请稍后重试' }
+		finally { submitting.value = false }
+	}
+	onHide(() => clearSecrets())
+	onUnload(() => clearSecrets())
+</script>
+<style>
+	@import '../styles/forms.css';
+	.visibility-control { color: #0868f7; font-size: 24rpx; padding: 20rpx 0 4rpx; text-align: right; }
+</style>
diff --git a/packages/account/profile/profile.uvue b/packages/account/profile/profile.uvue
index 233d982..650d9a5 100644
--- a/packages/account/profile/profile.uvue
+++ b/packages/account/profile/profile.uvue
@@ -3,7 +3,7 @@
 		<AppHeader title="个人中心" :back="false" />
 		<scroll-view scroll-y :style="contentStyle(226, false)">
 			<view class="profile-content">
-				<view class="profile-card" @click="openAccount"><view class="avatar"><AppIcon name="user" :size="80" /></view><view class="profile-main"><text class="profile-name">{{ displayName }}</text><text class="profile-phone">{{ loggedIn ? maskedPhone : '登录后管理您的融资信息' }}</text></view><text class="account-state">{{ loggedIn ? '已登录' : '未登录' }}</text></view>
+				<view class="profile-card" @click="openAccount"><view class="avatar"><image class="profile-avatar" :src="avatar.length > 0 ? avatar : DEFAULT_AVATAR" mode="aspectFill" @error="avatar = ''" /></view><view class="profile-main"><text class="profile-name">{{ displayName }}</text><text class="profile-phone">{{ loggedIn ? maskedPhone : '登录后管理您的融资信息' }}</text></view><text v-if="!loggedIn" class="account-state">未登录</text><AppIcon v-if="loggedIn" name="chevron-right" :size="28" /></view>
 				<view class="stat-row"><view class="stat-item" @click="go('/packages/finance/archive/archive')"><text class="stat-value">{{ completion }}%</text><text class="stat-label">档案完整度</text></view><view class="stat-item" @click="openReport"><text class="stat-value">{{ hasReport ? '已生成' : '暂无' }}</text><text class="stat-label">评估报告</text></view><view class="stat-item" @click="go('/packages/account/points/points')"><AppIcon name="points" :size="42" /><text class="stat-label">积分中心</text></view></view>
 				<view class="menu-list"><view class="menu-row" v-for="item in menus" :key="item.name" @click="open(item.key)"><AppIcon :name="item.icon" :size="46" /><text class="menu-name">{{ item.name }}</text><text v-if="item.note.length > 0" class="menu-note">{{ item.note }}</text><AppIcon name="chevron-right" :size="28" /></view></view>
 				<button class="logout" @click="logout">{{ loggedIn ? '退出登录' : '登录 / 注册' }}</button>
@@ -20,23 +20,24 @@
 	import BottomNav from '@/components/BottomNav.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
 	import { clearSession, getSession } from '@/services/api.uts'
-	import { activeAssessmentType, loadAssessmentDraft, draftText, assessmentProgress, showAgreementNotice } from '@/services/assessment.uts'
+	import { activeAssessmentType, assessmentProgress, showAgreementNotice } from '@/services/assessment.uts'
+	import { DEFAULT_AVATAR, getAccountProfile, maskPhone } from '@/packages/account/services/account.uts'
 	const { contentStyle, pageStyle } = usePageLayout()
 	type ProfileMenu = { icon: string, name: string, note: string, key: string }
 	const menus: ProfileMenu[] = [{ icon: 'archive', name: '我的融资档案', note: '', key: 'archive' }, { icon: 'shield', name: '账户安全', note: '', key: 'security' }, { icon: 'privacy', name: '隐私与授权', note: '', key: 'privacy' }, { icon: 'help', name: '帮助与反馈', note: '', key: 'help' }, { icon: 'info', name: '关于我们', note: 'V1.0.0', key: 'about' }]
 	const loggedIn = ref(false)
 	const displayName = ref('登录 / 注册')
 	const maskedPhone = ref('')
+	const avatar = ref('')
 	const completion = ref(0)
 	const hasReport = ref(false)
 	onShow(() => {
 		const session = getSession()
 		loggedIn.value = session != null
-		const phone = session != null ? draftText(session, 'phone') : ''
-		maskedPhone.value = phone.length >= 7 ? phone.substring(0, 3) + '****' + phone.substring(phone.length - 4) : phone
-		const type = activeAssessmentType(); const saved = loadAssessmentDraft(type)
-		displayName.value = loggedIn.value ? '融资用户' : '登录 / 注册'
-		if (loggedIn.value && saved != null && draftText(saved, 'phone') == phone && draftText(saved, 'name').length > 0) displayName.value = draftText(saved, 'name')
+		const profile = getAccountProfile()
+		maskedPhone.value = maskPhone(profile.phone); avatar.value = loggedIn.value ? profile.avatar : ''
+		const type = activeAssessmentType()
+		displayName.value = loggedIn.value ? profile.nickname : '登录 / 注册'
 		completion.value = assessmentProgress(type).percent
 		const latest = uni.getStorageSync('latestAssessment')
 		hasReport.value = latest != null && typeof latest == 'object'
@@ -45,12 +46,12 @@
 	const openReport = () => { if (hasReport.value) go('/packages/finance/report/report'); else uni.showModal({ title: '暂无评估报告', content: '完善融资信息后，即可体验融资评估与方案匹配。', confirmText: '去完善', success: (result) => { if (result.confirm) go('/packages/finance/archive/archive') } }) }
 	const open = (key: string) => {
 		if (key == 'archive') go('/packages/finance/archive/archive')
-		else if (key == 'help') go('/packages/finance/assistant/assistant')
-		else if (key == 'security') uni.showModal({ title: '账户安全', content: loggedIn.value ? '当前账户：' + maskedPhone.value + '\n请妥善保管账户信息，不要向他人透露密码或验证码。' : '当前尚未登录，请先使用手机号登录。', showCancel: false, confirmText: '我知道了' })
+		else if (key == 'help') go('/packages/content/help/help')
+		else if (key == 'security') go(loggedIn.value ? '/packages/account/security/security' : '/packages/account/login/login')
 		else if (key == 'privacy') uni.showActionSheet({ itemList: ['查看隐私说明', '管理资料与授权'], success: (result) => { if (result.tapIndex == 0) showAgreementNotice('隐私说明'); else if (result.tapIndex == 1) { uni.setStorageSync('assessmentEditStep', 3); go('/packages/finance/assessment/assessment?type=' + activeAssessmentType()) } } })
 		else if (key == 'about') uni.showModal({ title: '关于 AI融资', content: '版本 V1.0.0\n帮助您整理融资信息、了解融资知识与融资方案。评估结果仅供参考，不构成授信承诺。', showCancel: false, confirmText: '我知道了' })
 	}
-	const openAccount = () => { if (!loggedIn.value) go('/packages/account/login/login'); else open('security') }
+	const openAccount = () => { go(loggedIn.value ? '/packages/account/edit-profile/edit-profile' : '/packages/account/login/login') }
 	const logout = () => {
 		if (!loggedIn.value) { go('/packages/account/login/login'); return }
 		uni.showModal({ title: '退出登录', content: '退出后，本机保存的评估草稿仍会保留。', confirmText: '退出登录', success: (result) => { if (result.confirm) { clearSession(); uni.reLaunch({ url: '/packages/account/login/login' }) } } })
@@ -61,6 +62,7 @@
 	.profile-content { padding: 26rpx 30rpx 90rpx; }
 	.profile-card { min-height: 166rpx; padding: 28rpx 24rpx; border-radius: 18rpx 18rpx 0 0; background-color: #fff; flex-direction: row; align-items: center; }
 	.avatar { width: 84rpx; height: 84rpx; align-items: center; justify-content: center; margin-right: 20rpx; flex-shrink: 0; }
+	.profile-avatar { width: 84rpx; height: 84rpx; border-radius: 42rpx; background-color: #eaf2ff; }
 	.profile-main { flex: 1; min-width: 0; }
 	.profile-name { color: #23344e; font-size: 32rpx; font-weight: 700; }
 	.profile-phone { color: #8190a4; font-size: 24rpx; line-height: 36rpx; margin-top: 8rpx; }
diff --git a/packages/account/security/security.uvue b/packages/account/security/security.uvue
new file mode 100644
index 0000000..029a341
--- /dev/null
+++ b/packages/account/security/security.uvue
@@ -0,0 +1,43 @@
+<template>
+	<view class="page" :style="pageStyle()"><AppHeader title="账户安全" />
+		<scroll-view scroll-y :style="contentStyle(96, false)"><view class="security-content" :style="bottomStyle(40)">
+			<view class="security-intro"><view class="shield-surface"><image class="shield-icon" src="/static/icons/shield.svg" mode="aspectFit" /></view><view class="intro-copy"><text class="intro-title">守护您的账户</text><text class="intro-desc">妥善保管密码与短信验证码</text></view></view>
+			<view class="security-list">
+				<view class="security-row" @click="go('password/password')"><view class="row-copy"><text class="row-title">修改登录密码</text><text class="row-desc">通过当前密码验证身份</text></view><AppIcon name="chevron-right" :size="28" /></view>
+				<view class="security-row" @click="go('password/password?mode=sms')"><view class="row-copy"><text class="row-title">验证码重设密码</text><text class="row-desc">忘记密码或尚未设置密码时使用</text></view><AppIcon name="chevron-right" :size="28" /></view>
+				<view class="security-row last-row" @click="go('change-phone/change-phone')"><view class="row-copy"><text class="row-title">绑定手机号</text><text class="row-desc">{{ maskPhone(phone) }}</text></view><text class="row-action">更换</text><AppIcon name="chevron-right" :size="28" /></view>
+			</view>
+			<view class="security-tips"><text class="tips-title">安全提醒</text><text class="tips-copy">请勿向他人提供密码或验证码。修改密码或换绑手机号成功后，需要重新登录。</text></view>
+		</view></scroll-view>
+	</view>
+</template>
+<script setup lang="uts">
+	import AppHeader from '@/components/AppHeader.uvue'
+	import AppIcon from '@/components/AppIcon.uvue'
+	import { usePageLayout } from '@/services/layout.uts'
+	import { getSession } from '@/services/api.uts'
+	import { getAccountProfile, maskPhone } from '@/packages/account/services/account.uts'
+	const { pageStyle, contentStyle, bottomStyle } = usePageLayout()
+	const phone = ref('')
+	onShow(() => { if (getSession() == null) { uni.redirectTo({ url: '/packages/account/login/login' }); return }; phone.value = getAccountProfile().phone })
+	const go = (path: string) => { uni.navigateTo({ url: '/packages/account/' + path }) }
+</script>
+<style>
+	.security-content { padding: 30rpx; }
+	.security-intro { padding: 26rpx; border-radius: 18rpx; background-color: #edf5ff; flex-direction: row; align-items: center; }
+	.shield-surface { width: 80rpx; height: 80rpx; border-radius: 22rpx; background-color: #ffffff; align-items: center; justify-content: center; margin-right: 20rpx; flex-shrink: 0; }
+	.shield-icon { width: 48rpx; height: 48rpx; }
+	.intro-copy { flex: 1; min-width: 0; }
+	.intro-title { font-size: 32rpx; font-weight: 700; color: #23344e; }
+	.intro-desc { font-size: 24rpx; line-height: 36rpx; color: #738198; margin-top: 10rpx; }
+	.security-list { padding: 0 26rpx; background-color: #ffffff; border-radius: 18rpx; margin-top: 24rpx; }
+	.security-row { flex-direction: row; align-items: center; min-height: 134rpx; padding: 24rpx 0; border-bottom: 1rpx solid #edf1f6; }
+	.last-row { border-bottom-width: 0; }
+	.row-copy { flex: 1; min-width: 0; }
+	.row-title { font-size: 29rpx; color: #29394f; font-weight: 600; }
+	.row-desc { font-size: 24rpx; line-height: 36rpx; color: #738198; margin-top: 12rpx; }
+	.row-action { font-size: 25rpx; color: #0868f7; margin-right: 8rpx; }
+	.security-tips { padding: 28rpx 8rpx; }
+	.tips-title { font-size: 25rpx; font-weight: 600; color: #66758a; }
+	.tips-copy { font-size: 24rpx; line-height: 40rpx; color: #8793a6; margin-top: 12rpx; }
+</style>
diff --git a/packages/account/services/account.uts b/packages/account/services/account.uts
new file mode 100644
index 0000000..40f8801
--- /dev/null
+++ b/packages/account/services/account.uts
@@ -0,0 +1,103 @@
+import { API_BASE_URL, getSession } from '@/services/api.uts'
+import { activeAssessmentType, loadAssessmentDraft, draftText } from '@/services/assessment.uts'
+
+export type AccountProfile = { nickname: string, avatar: string, phone: string }
+export const DEFAULT_AVATAR = '/packages/account/static/default-avatar.png'
+const profileKey = (phone: string): string => 'finance.account.profile:' + phone
+export const maskPhone = (phone: string): string => phone.length == 11 ? phone.substring(0, 3) + '****' + phone.substring(7) : phone
+export const validPhone = (phone: string): boolean => /^1[3-9][0-9]{9}$/.test(phone)
+export const validCode = (code: string): boolean => /^[0-9]{6}$/.test(code)
+export const validNewPassword = (password: string): boolean => /^[!-~]{8,32}$/.test(password) && /[A-Za-z]/.test(password) && /[0-9]/.test(password)
+
+export function requireAccount(): UTSJSONObject {
+	const session = getSession()
+	if (session == null || draftText(session, 'token').length == 0 || !validPhone(draftText(session, 'phone'))) throw new Error('请先登录后再操作')
+	return session
+}
+export function sameAccount(session: UTSJSONObject): boolean {
+	const current = getSession()
+	return current != null && draftText(current, 'token') == draftText(session, 'token') && draftText(current, 'phone') == draftText(session, 'phone')
+}
+export function getAccountProfile(): AccountProfile {
+	const session = getSession()
+	const phone = session == null ? '' : draftText(session, 'phone')
+	let nickname = '融资用户'; let avatar = ''
+	if (phone.length > 0) {
+		const saved = uni.getStorageSync(profileKey(phone))
+		if (saved != null && typeof saved == 'object') {
+			nickname = draftText(saved as UTSJSONObject, 'nickname'); avatar = draftText(saved as UTSJSONObject, 'avatar')
+		} else {
+			const draft = loadAssessmentDraft(activeAssessmentType())
+			if (draft != null && draftText(draft, 'phone') == phone && draftText(draft, 'name').length > 0) nickname = draftText(draft, 'name')
+		}
+	}
+	return { phone, nickname: nickname.length > 0 ? nickname : '融资用户', avatar }
+}
+
+// 安全接口必须经过服务端认证。未配置服务时不模拟验证或修改成功。
+function accountRequest(path: string, method: RequestMethod, payload: UTSJSONObject): Promise<UTSJSONObject> {
+	return new Promise<UTSJSONObject>((resolve, reject) => {
+		const session = requireAccount()
+		if (API_BASE_URL.length == 0) { reject(new Error('账户服务暂未开放，请稍后再试')); return }
+		uni.request({ url: API_BASE_URL + path, method, data: payload, header: { Authorization: 'Bearer ' + draftText(session, 'token') }, timeout: 10000,
+			success: (response) => {
+				if (!sameAccount(session)) { reject(new Error('登录状态已变化，请重新进入页面')); return }
+				if (response.statusCode == 401) { reject(new Error('登录已失效，请重新登录')); return }
+				if (response.statusCode < 200 || response.statusCode >= 300) { reject(new Error('操作失败，请核对信息后重试')); return }
+				resolve(response.data == null ? new UTSJSONObject() : response.data as UTSJSONObject)
+			}, fail: () => reject(new Error('网络连接失败，请稍后重试'))
+		})
+	})
+}
+export async function saveAccountProfile(nickname: string, avatar: string): Promise<void> {
+	const session = requireAccount(); const phone = draftText(session, 'phone')
+	const name = nickname.trim()
+	if (name.length < 2 || name.length > 20) throw new Error('昵称请输入 2–20 个字符')
+	if (API_BASE_URL.length > 0) await accountRequest('/account/profile', 'PUT', { nickname: name, avatar })
+	if (!sameAccount(session)) throw new Error('登录状态已变化，请重新进入页面')
+	uni.setStorageSync(profileKey(phone), { nickname: name, avatar })
+}
+export async function requestSecurityCode(purpose: string, newPhone: string): Promise<void> {
+	if (!['password', 'phone-current', 'phone-new'].includes(purpose)) throw new Error('验证码用途无效')
+	if (purpose == 'phone-new' && !validPhone(newPhone)) throw new Error('请输入正确的新手机号')
+	await accountRequest('/account/security/sms-code', 'POST', { purpose, newPhone: purpose == 'phone-new' ? newPhone : '' })
+}
+export async function changeAccountPassword(mode: string, oldPassword: string, code: string, newPassword: string): Promise<void> {
+	if (!validNewPassword(newPassword)) throw new Error('新密码需为 8–32 位，包含字母和数字，可使用符号')
+	if (mode == 'password') {
+		if (oldPassword.length == 0) throw new Error('请输入当前密码')
+		if (oldPassword == newPassword) throw new Error('新密码不能与当前密码相同')
+	} else if (mode != 'sms' || !validCode(code)) throw new Error('请输入 6 位数字验证码')
+	await accountRequest('/account/password', 'PUT', { verification: mode, oldPassword: mode == 'password' ? oldPassword : '', code: mode == 'sms' ? code : '', newPassword })
+}
+export async function changeAccountPhone(newPhone: string, currentCode: string, newCode: string): Promise<void> {
+	const session = requireAccount()
+	if (!validPhone(newPhone)) throw new Error('请输入正确的新手机号')
+	if (newPhone == draftText(session, 'phone')) throw new Error('新手机号不能与当前手机号相同')
+	if (!validCode(currentCode) || !validCode(newCode)) throw new Error('请输入两组 6 位数字验证码')
+	await accountRequest('/account/phone', 'PUT', { newPhone, currentCode, newCode })
+}
+
+// 限制头像体积，避免把临时路径或过大的图片写入账户缓存。
+export function readAvatar(path: string): Promise<string> {
+	return new Promise<string>((resolve, reject) => {
+		// #ifdef WEB
+		fetch(path).then((response) => response.blob()).then((blob) => {
+			if (blob.size > 512000 || !['image/jpeg', 'image/png', 'image/webp'].includes(blob.type)) { reject(new Error('请选择 500KB 以内的 JPG、PNG 或 WebP 图片')); return }
+			const reader = new FileReader()
+			reader.onload = () => resolve(reader.result as string)
+			reader.onerror = () => reject(new Error('图片读取失败，请重新选择'))
+			reader.readAsDataURL(blob)
+		}).catch(() => reject(new Error('图片读取失败，请重新选择')))
+		// #endif
+		// #ifndef WEB
+		uni.getFileSystemManager().readFile({ filePath: path, encoding: 'base64', success: (result) => {
+			const data = result.data as string
+			if (data.length > 683000) { reject(new Error('请选择 500KB 以内的图片')); return }
+			const mime = data.startsWith('/9j/') ? 'image/jpeg' : (data.startsWith('iVBOR') ? 'image/png' : (data.startsWith('UklGR') ? 'image/webp' : ''))
+			if (mime.length == 0) { reject(new Error('请选择 JPG、PNG 或 WebP 图片')); return }
+			resolve('data:' + mime + ';base64,' + data)
+		}, fail: () => reject(new Error('图片读取失败，请重新选择')) })
+		// #endif
+	})
+}
diff --git a/packages/account/static/default-avatar.png b/packages/account/static/default-avatar.png
new file mode 100644
index 0000000..09b9aed
Binary files /dev/null and b/packages/account/static/default-avatar.png differ
diff --git a/packages/account/static/notifications/approval.svg b/packages/account/static/notifications/approval.svg
new file mode 100644
index 0000000..cf18065
--- /dev/null
+++ b/packages/account/static/notifications/approval.svg
@@ -0,0 +1 @@
+<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="#0868f7" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><rect x="5" y="3" width="14" height="18" rx="2"/><path d="M9 7h6M9 11h6m-6 5 2 2 4-4"/></svg>
diff --git a/packages/account/static/notifications/gift.svg b/packages/account/static/notifications/gift.svg
new file mode 100644
index 0000000..79f3934
--- /dev/null
+++ b/packages/account/static/notifications/gift.svg
@@ -0,0 +1 @@
+<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="#ed861c" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><rect x="3" y="8" width="18" height="4" rx="1"/><path d="M5 12v9h14v-9M12 8v13m0-13H8a2.5 2.5 0 1 1 2.5-2.5L12 8Zm0 0h4a2.5 2.5 0 1 0-2.5-2.5L12 8Z"/></svg>
diff --git a/packages/account/static/notifications/payout.svg b/packages/account/static/notifications/payout.svg
new file mode 100644
index 0000000..fac1b71
--- /dev/null
+++ b/packages/account/static/notifications/payout.svg
@@ -0,0 +1 @@
+<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="#13957c" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><rect x="3" y="5" width="18" height="16" rx="2"/><path d="M7 3v4m10-4v4M3 10h18m-13 5 3 3 5-5"/></svg>
diff --git a/packages/account/static/notifications/system-bell.svg b/packages/account/static/notifications/system-bell.svg
new file mode 100644
index 0000000..6e2cfe0
--- /dev/null
+++ b/packages/account/static/notifications/system-bell.svg
@@ -0,0 +1 @@
+<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="#0868f7" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><path d="m12 3 8 3v5c0 5-3.3 8.4-8 10-4.7-1.6-8-5-8-10V6Z"/><path d="m8.5 12 2.5 2.5 4.5-5"/></svg>
diff --git a/packages/account/styles/forms.css b/packages/account/styles/forms.css
new file mode 100644
index 0000000..9ae8b2b
--- /dev/null
+++ b/packages/account/styles/forms.css
@@ -0,0 +1,10 @@
+.account-form-content { padding: 30rpx; }
+.form-title { font-size: 36rpx; line-height: 52rpx; font-weight: 700; color: #23344e; }
+.form-description { font-size: 25rpx; line-height: 40rpx; color: #738198; margin-top: 14rpx; }
+.form-card { padding: 8rpx 26rpx 22rpx; margin-top: 28rpx; border-radius: 18rpx; background-color: #ffffff; }
+.form-label { font-size: 26rpx; font-weight: 600; color: #405675; margin-top: 22rpx; }
+.account-input { height: 96rpx; border-bottom: 1rpx solid #edf1f6; font-size: 28rpx; color: #23344e; }
+.form-hint { font-size: 24rpx; line-height: 38rpx; color: #8793a6; margin-top: 22rpx; }
+.form-error { font-size: 25rpx; line-height: 38rpx; color: #d64040; margin-top: 22rpx; }
+.form-submit { margin: 30rpx 0 0; }
+.form-link { font-size: 26rpx; line-height: 40rpx; padding: 20rpx 0; color: #0868f7; text-align: center; }
diff --git a/packages/content/help/help.uvue b/packages/content/help/help.uvue
new file mode 100644
index 0000000..d8710b5
--- /dev/null
+++ b/packages/content/help/help.uvue
@@ -0,0 +1,80 @@
+<template>
+	<view class="page" :style="pageStyle()">
+		<AppHeader title="帮助与反馈" />
+		<view class="help-body" :style="contentStyle(96, false)">
+		<scroll-view scroll-y class="help-scroll">
+			<view class="help-content">
+				<text class="help-title">常见问题</text><text class="help-description">关于账户和融资使用，您可能想了解这些</text>
+				<view v-if="loading" class="help-state"><text class="state-text">正在加载…</text></view>
+				<view v-else-if="errorMessage.length > 0" class="help-state"><text class="state-text">{{ errorMessage }}</text><button class="retry-button" @click="load">重新加载</button></view>
+				<view v-else-if="questions.length == 0" class="help-state"><text class="state-text">常见问题正在整理中</text></view>
+				<template v-else>
+					<view class="faq-group" v-for="group in groups" :key="group.category">
+						<text class="group-title">{{ group.category }}</text>
+						<view class="faq-list"><view v-for="(item, index) in group.items" :key="item.id" :class="index == group.items.length - 1 ? 'faq-item last-item' : 'faq-item'">
+							<view class="question-row" @click="toggle(item.id)"><text class="question-text">{{ item.question }}</text><AppIcon name="chevron-right" :size="28" :class="expanded == item.id ? 'question-arrow expanded-arrow' : 'question-arrow'" /></view>
+							<view v-if="expanded == item.id" class="answer-panel"><text class="answer-text">{{ item.answer }}</text></view>
+						</view></view>
+					</view>
+				</template>
+			</view>
+		</scroll-view>
+		<view class="contact-bar" :style="bottomStyle(20)"><button class="primary-button contact-button" @click="contact">联系客服</button></view>
+		</view>
+	</view>
+</template>
+<script setup lang="uts">
+	import AppHeader from '@/components/AppHeader.uvue'
+	import AppIcon from '@/components/AppIcon.uvue'
+	import { usePageLayout } from '@/services/layout.uts'
+	import { helpCategories, HelpQuestion, fetchHelpQuestions, contactCustomerService } from '@/packages/content/services/help.uts'
+	const { pageStyle, contentStyle, bottomStyle } = usePageLayout()
+	type HelpGroup = { category: string, items: HelpQuestion[] }
+	const questions = ref<HelpQuestion[]>([])
+	const expanded = ref('')
+	const loading = ref(false)
+	const errorMessage = ref('')
+	let alive = true
+	const groups = computed((): HelpGroup[] => {
+		const results: HelpGroup[] = []
+		helpCategories.forEach((category: string) => {
+			const items = questions.value.filter((item: HelpQuestion): boolean => item.category == category)
+			if (items.length > 0) { const group: HelpGroup = { category, items }; results.push(group) }
+		})
+		return results
+	})
+	const toggle = (id: string) => { expanded.value = expanded.value == id ? '' : id }
+	const contact = () => { contactCustomerService() }
+	const load = async () => {
+		if (loading.value) return
+		loading.value = true; errorMessage.value = ''
+		try { const items = await fetchHelpQuestions(); if (alive) questions.value = items }
+		catch (_error) { if (alive) errorMessage.value = '暂时无法加载帮助内容，请稍后重试' }
+		finally { if (alive) loading.value = false }
+	}
+	onLoad(() => { load() })
+	onUnload(() => { alive = false })
+</script>
+<style>
+	.help-body { overflow: hidden; }
+	.help-scroll { flex: 1; min-height: 0; }
+	.help-content { padding: 32rpx 30rpx 40rpx; }
+	.help-title { color: #23344e; font-size: 38rpx; line-height: 54rpx; font-weight: 700; }
+	.help-description { color: #738198; font-size: 25rpx; line-height: 40rpx; margin-top: 12rpx; }
+	.faq-group { margin-top: 30rpx; }
+	.group-title { color: #66758a; font-size: 25rpx; line-height: 38rpx; font-weight: 600; margin-bottom: 16rpx; }
+	.faq-list { padding: 0 24rpx; border-radius: 18rpx; background-color: #ffffff; }
+	.faq-item { border-bottom: 1rpx solid #edf1f6; }
+	.last-item { border-bottom-width: 0; }
+	.question-row { min-height: 102rpx; padding: 26rpx 0; flex-direction: row; align-items: center; }
+	.question-text { flex: 1; min-width: 0; color: #29394f; font-size: 28rpx; line-height: 42rpx; font-weight: 600; }
+	.question-arrow { margin-left: 18rpx; flex-shrink: 0; }
+	.expanded-arrow { transform: rotate(90deg); }
+	.answer-panel { padding: 0 0 26rpx; }
+	.answer-text { color: #66758a; font-size: 25rpx; line-height: 44rpx; }
+	.help-state { padding: 90rpx 20rpx; align-items: center; }
+	.state-text { font-size: 26rpx; line-height: 42rpx; color: #738198; text-align: center; }
+	.retry-button { color: #0868f7; background-color: #e8f2ff; font-size: 26rpx; margin-top: 26rpx; padding: 0 30rpx; height: 76rpx; line-height: 76rpx; border-radius: 12rpx; }
+	.contact-bar { flex-shrink: 0; padding: 20rpx 30rpx; border-top: 1rpx solid #e8eef6; background-color: #ffffff; }
+	.contact-button { margin: 0; }
+</style>
diff --git a/packages/content/search/search.uvue b/packages/content/search/search.uvue
new file mode 100644
index 0000000..c3f262a
--- /dev/null
+++ b/packages/content/search/search.uvue
@@ -0,0 +1,114 @@
+<template>
+	<view class="page" :style="pageStyle()">
+		<AppHeader title="搜索" />
+		<view class="search-bar">
+			<view class="search-box">
+				<image class="search-icon" src="/static/icons/search.svg" mode="aspectFit" />
+				<input v-model="keyword" class="search-input" placeholder="搜索新闻、融资课堂" maxlength="80" confirm-type="search" @input="resetResults" @confirm="search" />
+				<view v-if="keyword.length > 0" class="clear-search" @click="clearSearch"><text class="clear-mark">×</text></view>
+			</view>
+			<button class="search-button" @click="search">搜索</button>
+		</view>
+		<view class="search-tabs">
+			<view v-for="item in tabs" :key="item.id" :class="activeType == item.id ? 'search-tab selected-tab' : 'search-tab'" @click="selectType(item.id)"><text :class="activeType == item.id ? 'tab-label selected-label' : 'tab-label'">{{ item.label }}</text></view>
+		</view>
+		<scroll-view scroll-y :key="listVersion" :style="contentStyle(296, false)">
+			<view class="search-content" :style="bottomStyle(40)">
+				<view v-if="!searched" class="search-guide">
+					<text class="guide-title">想了解什么？</text><text class="guide-copy">查找融资资讯，学习实用知识</text>
+					<view class="suggestion-list"><view class="suggestion" v-for="word in suggestions" :key="word" @click="searchWord(word)"><text class="suggestion-label">{{ word }}</text></view></view>
+				</view>
+				<view v-else-if="loading" class="state-panel"><text class="state-title">正在搜索…</text></view>
+				<view v-else-if="errorMessage.length > 0" class="state-panel"><text class="state-title">搜索暂时不可用</text><text class="state-copy">{{ errorMessage }}</text><button class="retry-button" @click="search">重新搜索</button></view>
+				<view v-else-if="results.length == 0" class="state-panel"><view class="empty-symbol"><image class="empty-icon" src="/static/icons/search.svg" mode="aspectFit" /></view><text class="state-title">没有找到相关内容</text><text class="state-copy">试试更简短的关键词，或切换搜索分类</text></view>
+				<view v-else>
+					<text class="result-count">找到 {{ results.length }} 条相关内容</text>
+					<view class="result-card" v-for="item in results" :key="item.type + ':' + item.id" @click="openResult(item)">
+						<view class="result-copy"><view class="result-heading"><text :class="item.type == 'news' ? 'result-kind' : 'result-kind lesson-kind'">{{ item.type == 'news' ? '新闻' : '融资课堂' }}</text><text class="result-category">{{ item.category }}</text></view><text class="result-title">{{ item.title }}</text><text class="result-summary">{{ item.summary }}</text><text class="result-meta">{{ item.meta }}</text></view>
+						<image v-if="item.image.length > 0" class="result-image" :src="item.image" mode="aspectFill" />
+					</view>
+				</view>
+			</view>
+		</scroll-view>
+	</view>
+</template>
+
+<script setup lang="uts">
+	import AppHeader from '@/components/AppHeader.uvue'
+	import { usePageLayout } from '@/services/layout.uts'
+	import { searchContent, ContentSearchResult } from '@/packages/content/services/search.uts'
+	const { pageStyle, contentStyle, bottomStyle } = usePageLayout()
+	type SearchTab = { id: string, label: string }
+	const tabs: SearchTab[] = [{ id: 'all', label: '全部' }, { id: 'news', label: '新闻' }, { id: 'lesson', label: '融资课堂' }]
+	const suggestions: string[] = ['个人信用', '企业融资', '利率', '还款', '材料', '政策']
+	const keyword = ref('')
+	const activeType = ref('all')
+	const searched = ref(false)
+	const loading = ref(false)
+	const errorMessage = ref('')
+	const results = ref<ContentSearchResult[]>([])
+	const listVersion = ref(0)
+	let requestVersion = 0
+	const resetResults = () => { requestVersion++; results.value = []; searched.value = false; loading.value = false; errorMessage.value = ''; listVersion.value++ }
+	const clearSearch = () => { keyword.value = ''; resetResults() }
+	const search = async () => {
+		keyword.value = keyword.value.trim()
+		if (keyword.value.length == 0) { clearSearch(); return }
+		uni.hideKeyboard()
+		const currentRequest = ++requestVersion
+		searched.value = true; loading.value = true; errorMessage.value = ''; results.value = []; listVersion.value++
+		try {
+			const items = await searchContent(keyword.value, activeType.value)
+			// 输入、切换分类或退出页面后，忽略旧请求，避免结果被覆盖。
+			if (currentRequest == requestVersion) results.value = items
+		} catch (_error) {
+			if (currentRequest == requestVersion) errorMessage.value = '请检查网络连接后重试'
+		} finally { if (currentRequest == requestVersion) loading.value = false }
+	}
+	const selectType = (type: string) => { if (activeType.value == type) return; activeType.value = type; if (searched.value) search() }
+	const searchWord = (word: string) => { keyword.value = word; search() }
+	const openResult = (item: ContentSearchResult) => {
+		const route = item.type == 'news' ? '/packages/content/article/article' : '/packages/content/lesson/lesson'
+		uni.navigateTo({ url: route + '?id=' + encodeURIComponent(item.id) })
+	}
+	onUnload(() => { requestVersion++ })
+</script>
+
+<style>
+	.search-bar { height: 112rpx; padding: 20rpx 28rpx; flex-direction: row; align-items: center; background-color: #ffffff; }
+	.search-box { flex: 1; min-width: 0; height: 72rpx; border-radius: 16rpx; background-color: #f2f6fc; flex-direction: row; align-items: center; padding-left: 20rpx; }
+	.search-icon { width: 34rpx; height: 34rpx; margin-right: 14rpx; flex-shrink: 0; }
+	.search-input { flex: 1; min-width: 0; height: 72rpx; font-size: 27rpx; color: #22324a; }
+	.clear-search { width: 64rpx; height: 72rpx; align-items: center; justify-content: center; flex-shrink: 0; }
+	.clear-mark { font-size: 36rpx; line-height: 44rpx; color: #738198; }
+	.search-button { width: 92rpx; height: 72rpx; line-height: 72rpx; padding: 0; margin: 0 0 0 16rpx; font-size: 28rpx; font-weight: 600; color: #0868f7; background-color: transparent; border-radius: 12rpx; }
+	.search-tabs { height: 88rpx; padding: 0 28rpx; flex-direction: row; background-color: #ffffff; border-bottom: 1rpx solid #e8eef6; }
+	.search-tab { flex: 1; height: 88rpx; align-items: center; justify-content: center; border-bottom: 4rpx solid transparent; }
+	.selected-tab { border-bottom-color: #0868f7; }
+	.tab-label { font-size: 28rpx; color: #66758a; }
+	.selected-label { color: #0868f7; font-weight: 700; }
+	.search-content { padding: 28rpx 28rpx 40rpx; }
+	.search-guide { padding: 22rpx 4rpx; }
+	.guide-title { color: #172640; font-size: 34rpx; line-height: 48rpx; font-weight: 700; }
+	.guide-copy { color: #738198; font-size: 26rpx; line-height: 40rpx; margin-top: 10rpx; }
+	.suggestion-list { flex-direction: row; flex-wrap: wrap; margin-top: 28rpx; }
+	.suggestion { padding: 18rpx 28rpx; margin: 0 16rpx 18rpx 0; border: 1rpx solid #e3eaf4; border-radius: 14rpx; background-color: #ffffff; }
+	.suggestion-label { font-size: 26rpx; color: #405675; }
+	.result-count { font-size: 24rpx; color: #738198; margin-bottom: 20rpx; }
+	.result-card { flex-direction: row; align-items: center; background-color: #ffffff; border: 1rpx solid #e6edf7; border-radius: 18rpx; padding: 24rpx; margin-bottom: 18rpx; }
+	.result-copy { flex: 1; min-width: 0; }
+	.result-heading { flex-direction: row; align-items: center; flex-wrap: wrap; }
+	.result-kind { padding: 5rpx 10rpx; border-radius: 6rpx; font-size: 21rpx; color: #0868f7; background-color: #edf5ff; margin-right: 12rpx; }
+	.lesson-kind { color: #197f70; background-color: #eaf7f3; }
+	.result-category { color: #738198; font-size: 22rpx; line-height: 34rpx; }
+	.result-title { color: #172640; font-size: 29rpx; line-height: 42rpx; font-weight: 600; margin-top: 12rpx; }
+	.result-summary { color: #66758a; font-size: 24rpx; line-height: 36rpx; margin-top: 10rpx; }
+	.result-meta { color: #738198; font-size: 22rpx; line-height: 32rpx; margin-top: 14rpx; }
+	.result-image { width: 132rpx; height: 132rpx; border-radius: 12rpx; margin-left: 20rpx; flex-shrink: 0; }
+	.state-panel { padding: 100rpx 16rpx; align-items: center; }
+	.empty-symbol { width: 112rpx; height: 112rpx; border-radius: 56rpx; align-items: center; justify-content: center; background-color: #e8f2ff; margin-bottom: 26rpx; }
+	.empty-icon { width: 50rpx; height: 50rpx; }
+	.state-title { color: #26374f; font-size: 30rpx; line-height: 44rpx; font-weight: 600; text-align: center; }
+	.state-copy { color: #738198; font-size: 25rpx; line-height: 40rpx; margin-top: 14rpx; text-align: center; }
+	.retry-button { color: #0868f7; background-color: #e8f2ff; height: 76rpx; line-height: 76rpx; padding: 0 36rpx; margin-top: 28rpx; border-radius: 12rpx; font-size: 26rpx; }
+</style>
diff --git a/packages/content/services/help.uts b/packages/content/services/help.uts
new file mode 100644
index 0000000..fb25615
--- /dev/null
+++ b/packages/content/services/help.uts
@@ -0,0 +1,35 @@
+import { API_BASE_URL, requestJson } from '@/services/api.uts'
+
+export type HelpQuestion = { id: string, category: string, question: string, answer: string }
+export const helpCategories: string[] = ['账户使用', '融资评估', '资料与隐私']
+const questions: HelpQuestion[] = [
+	{ id: 'profile', category: '账户使用', question: '如何修改头像和昵称？', answer: '在“我的”页面，点击顶部头像、昵称和手机号所在的区域进入修改资料。更换头像或编辑昵称后，点击“保存资料”即可。昵称不会替代融资档案中的实名信息。' },
+	{ id: 'password', category: '账户使用', question: '忘记登录密码怎么办？', answer: '可先使用手机号验证码登录，再进入“我的 → 账户安全 → 验证码重设密码”。如果记得当前密码，也可以选择“修改登录密码”。修改成功后需要重新登录。' },
+	{ id: 'phone', category: '账户使用', question: '如何更换绑定手机号？', answer: '进入“我的 → 账户安全 → 绑定手机号”，填写新手机号，并分别验证当前号码与新号码。换绑成功后使用新号码登录。如果原号码无法接收短信，需要通过官方客服核验身份。' },
+	{ id: 'assessment', category: '融资评估', question: '如何开始融资评估？', answer: '从首页选择个人或企业融资入口，依次填写基本信息、收入或经营信息、资产与负债情况，再核对并确认。已有资料可在“我的融资档案”中继续完善。' },
+	{ id: 'result', category: '融资评估', question: '评估结果是否代表贷款已经获批？', answer: '不代表。评估结果用于帮助了解融资需求和方案，不是金融机构的授信或放款承诺。实际额度、利率、审批与放款结果，以相关机构的审核和合同为准。' },
+	{ id: 'amount', category: '融资评估', question: '资产与负债信息应该怎么填写？', answer: '信用贷款笔数、信用卡张数填写非负整数，没有则填 0。欠款余额、月还款金额、信用卡额度与已使用额度以元填写，最多保留两位小数；房产、车辆按实际情况选择“有”或“无”。' },
+	{ id: 'files', category: '资料与隐私', question: '选择资料或勾选授权会立即上传、查询吗？', answer: '当前选择的资料仅用于本机预览，勾选授权仅保存您的选择，不会自动上传资料或查询外部数据。使用相关服务前，请确认授权对象、用途和范围。' },
+	{ id: 'draft', category: '资料与隐私', question: '退出登录后，填写的资料还在吗？', answer: '退出登录会结束当前会话，本机保存的评估草稿仍会保留。个人与企业评估分别保存。清理应用数据、更换设备或卸载应用可能使本地资料丢失，请勿将本机草稿视为云端备份。' }
+]
+
+export async function fetchHelpQuestions(): Promise<HelpQuestion[]> {
+	if (API_BASE_URL.length == 0) return questions.slice()
+	const response = await requestJson('/help/faqs', 'GET', {})
+	const items = response['items'] as UTSJSONObject[] | null
+	if (items == null) throw new Error('帮助内容加载失败')
+	const results: HelpQuestion[] = []
+	items.forEach((item) => {
+		const id = item['id'] as string ?? ''; const category = item['category'] as string ?? ''
+		const question = item['question'] as string ?? ''; const answer = item['answer'] as string ?? ''
+		if (id.length > 0 && helpCategories.includes(category) && question.length > 0 && answer.length > 0 && !results.some((entry: HelpQuestion): boolean => entry.id == id)) {
+			const result: HelpQuestion = { id, category, question, answer }; results.push(result)
+		}
+	})
+	return results
+}
+
+export function contactCustomerService(): void {
+	// 后续在此接入各端客服渠道；当前不发起会话、拨号或发送反馈。
+	uni.showModal({ title: '联系客服', content: '客服服务暂未开放，请稍后再试。', showCancel: false, confirmText: '我知道了' })
+}
diff --git a/packages/content/services/search.uts b/packages/content/services/search.uts
new file mode 100644
index 0000000..17d3c3c
--- /dev/null
+++ b/packages/content/services/search.uts
@@ -0,0 +1,48 @@
+import { API_BASE_URL, requestJson } from '@/services/api.uts'
+import { newsArticles, financeLessons, ContentSection } from './content.uts'
+
+export type ContentSearchResult = {
+	id: string, type: string, title: string, summary: string, category: string, meta: string, image: string
+}
+
+const sectionText = (sections: ContentSection[]): string => sections.map((item: ContentSection): string => item.title + ' ' + item.body).join(' ')
+const matches = (text: string, words: string[]): boolean => words.every((word: string): boolean => text.toLowerCase().includes(word))
+const readText = (item: UTSJSONObject, key: string): string => typeof item[key] == 'string' ? item[key] as string : ''
+
+// type: all / news / lesson。接入后端时返回相同类型的 items，详情沿用内容 ID。
+export async function searchContent(keyword: string, type: string): Promise<ContentSearchResult[]> {
+	const query = keyword.trim().replace(/\s+/g, ' ')
+	const results: ContentSearchResult[] = []
+	if (query.length == 0) return results
+	if (API_BASE_URL.length > 0) {
+		const response = await requestJson('/content/search', 'GET', { keyword: query, type })
+		const items = response['items'] as UTSJSONObject[] | null
+		if (items == null) throw new Error('搜索结果加载失败，请重试')
+		items.forEach((item: UTSJSONObject) => {
+			const kind = readText(item, 'type'); const id = readText(item, 'id'); const title = readText(item, 'title')
+			if ((kind == 'news' || kind == 'lesson') && (type == 'all' || type == kind) && id.length > 0 && title.length > 0) {
+				const result: ContentSearchResult = { id, type: kind, title, summary: readText(item, 'summary'), category: readText(item, 'category'), meta: readText(item, 'meta'), image: readText(item, 'image') }
+				results.push(result)
+			}
+		})
+		return results
+	}
+	const words = query.toLowerCase().split(' ')
+	if (type == 'all' || type == 'news') {
+		newsArticles.forEach((item) => {
+			if (matches(item.title + ' ' + item.summary + ' ' + item.category + ' ' + sectionText(item.sections), words)) {
+				const result: ContentSearchResult = { id: item.id, type: 'news', title: item.title, summary: item.summary, category: item.category, meta: item.date, image: item.image }
+				results.push(result)
+			}
+		})
+	}
+	if (type == 'all' || type == 'lesson') {
+		financeLessons.forEach((item) => {
+			if (matches(item.title + ' ' + item.desc + ' ' + item.tag + ' ' + item.intro + ' ' + sectionText(item.chapters), words)) {
+				const result: ContentSearchResult = { id: item.id, type: 'lesson', title: item.title, summary: item.desc, category: item.tag, meta: item.duration + ' · ' + item.chapters.length + ' 节', image: item.image }
+				results.push(result)
+			}
+		})
+	}
+	return results
+}
diff --git a/packages/finance/archive/archive.uvue b/packages/finance/archive/archive.uvue
index 041bd2b..ae2a042 100644
--- a/packages/finance/archive/archive.uvue
+++ b/packages/finance/archive/archive.uvue
@@ -23,7 +23,7 @@
 	const archiveItems = computed((): ArchiveItem[] => [
 		{ icon: 'file-text', name: '基本信息', note: type.value == 'enterprise' ? '企业与联系人信息' : '身份与联系方式', done: progress.value.basicDone, step: 0 },
 		{ icon: 'income', name: type.value == 'enterprise' ? '经营信息' : '职业与收入', note: type.value == 'enterprise' ? '经营行业、年限与营收' : '职业、收入与缴纳情况', done: progress.value.incomeDone, step: 1 },
-		{ icon: 'asset', name: '资产与负债', note: '资产情况与信用卡使用', done: progress.value.assetsDone, step: 2 },
+		{ icon: 'asset', name: '资产与负债', note: '贷款、信用卡额度与房车情况', done: progress.value.assetsDone, step: 2 },
 		{ icon: 'authorization', name: '资料与授权', note: '本地资料与数据授权意向', done: progress.value.authorizationSelected, step: 3 }
 	])
 	const refresh = () => { progress.value = assessmentProgress(type.value) }
diff --git a/packages/finance/assessment/assessment.uvue b/packages/finance/assessment/assessment.uvue
index eb512bd..19508ca 100644
--- a/packages/finance/assessment/assessment.uvue
+++ b/packages/finance/assessment/assessment.uvue
@@ -31,11 +31,17 @@
 					</template>
 				</view>
 				<view v-else-if="step == 2" class="form-list">
-					<AssessmentSelect label="房产情况" v-model="form.house" :options="['无房产', '全款房产', '按揭房产']" />
-					<AssessmentSelect label="车辆情况" v-model="form.car" :options="['无车辆', '全款车辆', '按揭车辆']" />
-					<AssessmentSelect label="存款情况" v-model="form.savings" :options="['5 万元以下', '5–20 万元', '20–50 万元', '50 万元以上']" />
-					<AssessmentSelect label="信用卡使用" v-model="form.creditCard" :options="['无信用卡', '正常使用，无逾期', '当前存在逾期', '历史有逾期，已结清']" />
-					<view class="form-row"><text class="field-label">其他资产</text><input v-model="form.otherAssets" class="field-input" placeholder="选填" /></view>
+					<text class="asset-section-title">贷款信息</text>
+					<view class="form-row"><text class="field-label">信用贷款笔数</text><input v-model="form.creditLoanCount" class="field-input" type="number" maxlength="4" placeholder="无则填 0" /><text class="field-unit">笔</text></view>
+					<view class="form-row"><text class="field-label">欠款总余额</text><input v-model="form.totalDebtBalance" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">元</text></view>
+					<view class="form-row"><text class="field-label">贷款月还款金额</text><input v-model="form.monthlyLoanPayment" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">元</text></view>
+					<text class="asset-section-title">信用卡信息</text>
+					<view class="form-row"><text class="field-label">银行信用卡张数</text><input v-model="form.creditCardCount" class="field-input" type="number" maxlength="4" placeholder="无则填 0" /><text class="field-unit">张</text></view>
+					<view class="form-row"><text class="field-label">总额度</text><input v-model="form.creditCardTotalLimit" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">元</text></view>
+					<view class="form-row"><text class="field-label">已使用总额度</text><input v-model="form.creditCardUsedLimit" class="field-input" type="digit" maxlength="15" placeholder="请输入金额" /><text class="field-unit">元</text></view>
+					<text class="asset-section-title">房车信息</text>
+					<AssessmentSelect label="是否有房" v-model="form.house" :options="['有', '无']" />
+					<AssessmentSelect label="是否有车" v-model="form.car" :options="['有', '无']" />
 				</view>
 				<view v-else class="upload-area">
 					<text class="upload-title">资料选择 <text class="optional">（选填）</text></text>
@@ -56,7 +62,7 @@
 	import AppHeader from '@/components/AppHeader.uvue'
 	import AppIcon from '@/components/AppIcon.uvue'
 	import AssessmentSelect from '@/packages/finance/components/AssessmentSelect.uvue'
-	import { AssessmentForm, SelectedDocument, DataAuthorization, emptyAssessmentForm, activeAssessmentType, loadAssessmentDraft, formFromDraft, documentsFromDraft, saveAssessmentDraft, showAgreementNotice } from '@/services/assessment.uts'
+	import { AssessmentForm, SelectedDocument, DataAuthorization, emptyAssessmentForm, activeAssessmentType, loadAssessmentDraft, formFromDraft, documentsFromDraft, saveAssessmentDraft, showAgreementNotice, assetValidationMessage } from '@/services/assessment.uts'
 	const { bottomStyle, contentStyle, pageStyle } = usePageLayout()
 	const showAgreement = (title: string) => { showAgreementNotice(title) }
 	const step = ref(0)
@@ -74,7 +80,7 @@
 	const saveDraft = () => {
 		if (!initialized) return
 		const source = form.value
-		const draftForm: AssessmentForm = { name: source.name, idCard: source.idCard, phone: source.phone, city: source.city, maritalStatus: source.maritalStatus, occupation: source.occupation, company: source.company, monthlyIncome: source.monthlyIncome, socialSecurity: source.socialSecurity, housingFund: source.housingFund, house: source.house, car: source.car, savings: source.savings, creditCard: source.creditCard, otherAssets: source.otherAssets, enterpriseName: source.enterpriseName, businessCode: source.businessCode, annualRevenue: source.annualRevenue, operatingYears: source.operatingYears }
+		const draftForm: AssessmentForm = { name: source.name, idCard: source.idCard, phone: source.phone, city: source.city, maritalStatus: source.maritalStatus, occupation: source.occupation, company: source.company, monthlyIncome: source.monthlyIncome, socialSecurity: source.socialSecurity, housingFund: source.housingFund, house: source.house, car: source.car, savings: source.savings, creditCard: source.creditCard, otherAssets: source.otherAssets, creditLoanCount: source.creditLoanCount, totalDebtBalance: source.totalDebtBalance, monthlyLoanPayment: source.monthlyLoanPayment, creditCardCount: source.creditCardCount, creditCardTotalLimit: source.creditCardTotalLimit, creditCardUsedLimit: source.creditCardUsedLimit, enterpriseName: source.enterpriseName, businessCode: source.businessCode, annualRevenue: source.annualRevenue, operatingYears: source.operatingYears }
 		if (draftForm.city == '其他城市' && customCity.value.trim().length > 0) draftForm.city = customCity.value.trim()
 		saveAssessmentDraft(assessmentType.value, step.value, draftForm, documents.value, authorizations.value, documentConsent.value, dataConsent.value)
 	}
@@ -145,6 +151,7 @@
 			const amount = assessmentType.value == 'enterprise' ? form.value.annualRevenue : form.value.monthlyIncome
 			if (!/^[0-9]+([.][0-9]{1,2})?$/.test(amount) || parseFloat(amount) <= 0) message = assessmentType.value == 'enterprise' ? '请输入有效的年营业收入' : '请输入有效的月收入'
 		}
+		if (step.value == 2) message = assetValidationMessage(form.value)
 		if (step.value == 3 && documents.value.length > 0 && !documentConsent.value) message = '请阅读并同意资料使用协议，或移除资料'
 		if (step.value == 3 && authorizations.value.some((item) => item.selected) && !dataConsent.value) message = '请阅读并同意数据授权协议，或取消授权选择'
 		if (message.length == 0) return true
@@ -167,6 +174,8 @@
 	.type-active { color: #0868f7; font-weight: 600; background-color: #fff; }
 	.section-hint { color: #738198; font-size: 24rpx; line-height: 36rpx; margin-top: 30rpx; }
 	.form-list { margin-top: 14rpx; }
+	.asset-section-title { margin-top: 28rpx; font-size: 26rpx; line-height: 38rpx; color: #738198; font-weight: 600; }
+	.field-unit { margin-left: 12rpx; font-size: 25rpx; color: #738198; flex-shrink: 0; }
 	.form-row { min-height: 106rpx; flex-direction: row; align-items: center; border-bottom: 1rpx solid #edf1f6; }
 	.field-label { font-size: 28rpx; color: #29374e; margin-right: 18rpx; flex-shrink: 0; }
 	.field-input { flex: 1; min-width: 0; text-align: right; font-size: 27rpx; color: #22324a; }
diff --git a/packages/finance/confirm/confirm.uvue b/packages/finance/confirm/confirm.uvue
index d8bfd5e..b64bc38 100644
--- a/packages/finance/confirm/confirm.uvue
+++ b/packages/finance/confirm/confirm.uvue
@@ -19,7 +19,7 @@
 	import { usePageLayout } from '@/services/layout.uts'
 	import AppHeader from '@/components/AppHeader.uvue'
 	import { submitAssessment } from '@/packages/finance/services/api.uts'
-	import { activeAssessmentType, loadAssessmentDraft, draftText, documentsFromDraft } from '@/services/assessment.uts'
+	import { activeAssessmentType, loadAssessmentDraft, draftText, documentsFromDraft, ownershipFromDraft, formFromDraft, assetValidationMessage } from '@/services/assessment.uts'
 	const { pageStyle, contentStyle, bottomStyle } = usePageLayout()
 	type InfoRow = { label: string, value: string }
 	type InfoSection = { title: string, step: number, rows: InfoRow[], expanded: boolean }
@@ -31,6 +31,7 @@
 	const mask = (value: string, left: number, right: number): string => { if (value.length <= left + right) return value; return value.substring(0, left) + '****' + value.substring(value.length - right) }
 	const displayValue = (saved: UTSJSONObject, key: string): string => { const value = draftText(saved, key); return value.length > 0 ? value : '未填写' }
 	const appendRow = (rows: InfoRow[], label: string, value: string) => { const row: InfoRow = { label, value }; rows.push(row) }
+	const valueWithUnit = (saved: UTSJSONObject, key: string, unit: string): string => { const value = draftText(saved, key); return value.length > 0 ? value + ' ' + unit : '未填写' }
 	const loadDraft = () => {
 		assessmentType.value = activeAssessmentType()
 		const saved = loadAssessmentDraft(assessmentType.value)
@@ -62,7 +63,16 @@
 		sections.value = [
 			{ title: '基本信息', step: 0, rows: basicRows, expanded: false },
 			{ title: enterprise ? '经营信息' : '职业与收入', step: 1, rows: incomeRows, expanded: false },
-			{ title: '资产与负债', step: 2, rows: [{ label: '房产情况', value: displayValue(saved, 'house') }, { label: '车辆情况', value: displayValue(saved, 'car') }, { label: '存款情况', value: displayValue(saved, 'savings') }, { label: '信用卡使用', value: displayValue(saved, 'creditCard') }, { label: '其他资产', value: displayValue(saved, 'otherAssets') }], expanded: false },
+			{ title: '资产与负债', step: 2, rows: [
+				{ label: '信用贷款笔数', value: valueWithUnit(saved, 'creditLoanCount', '笔') },
+				{ label: '欠款总余额', value: valueWithUnit(saved, 'totalDebtBalance', '元') },
+				{ label: '贷款月还款金额', value: valueWithUnit(saved, 'monthlyLoanPayment', '元') },
+				{ label: '银行信用卡张数', value: valueWithUnit(saved, 'creditCardCount', '张') },
+				{ label: '总额度', value: valueWithUnit(saved, 'creditCardTotalLimit', '元') },
+				{ label: '已使用总额度', value: valueWithUnit(saved, 'creditCardUsedLimit', '元') },
+				{ label: '是否有房', value: ownershipFromDraft(saved, 'house').length > 0 ? ownershipFromDraft(saved, 'house') : '未填写' },
+				{ label: '是否有车', value: ownershipFromDraft(saved, 'car').length > 0 ? ownershipFromDraft(saved, 'car') : '未填写' }
+			], expanded: false },
 			{ title: '资料与授权', step: 3, rows: [{ label: '本地资料', value: fileNames.length > 0 ? fileNames : '未选择' }, { label: '授权意向', value: grantNames.length > 0 ? grantNames.join('、') : '未选择' }, { label: '当前状态', value: '资料未上传 · 数据未查询' }], expanded: false }
 		]
 		payload.value = { ...saved, source: 'mobile', confirmed: true }
@@ -85,6 +95,8 @@
 		if (amount.length == 0 || parseFloat(amount) <= 0 || isNaN(parseFloat(amount))) { uni.showToast({ title: '请先完善收入信息', icon: 'none' }); edit(1); return }
 		const grants = saved['authorizations'] as string[] | null
 		if ((documentsFromDraft(saved).length > 0 && saved['documentConsent'] != true) || (grants != null && grants.length > 0 && saved['dataConsent'] != true)) { uni.showToast({ title: '请确认资料与授权选择', icon: 'none' }); edit(3); return }
+		const assetError = assetValidationMessage(formFromDraft(saved))
+		if (assetError.length > 0) { uni.showToast({ title: assetError, icon: 'none' }); edit(2); return }
 		submitting.value = true
 		try { await submitAssessment(payload.value); uni.redirectTo({ url: '/packages/finance/analyzing/analyzing' }) }
 		catch (error) { uni.showToast({ title: error instanceof Error ? error.message : '提交失败，请重试', icon: 'none' }) }
diff --git a/pages.json b/pages.json
index 227febe..655cc4c 100644
--- a/pages.json
+++ b/pages.json
@@ -23,6 +23,10 @@
 				{ "path": "index/index", "style": { "navigationStyle": "custom" } },
 				{ "path": "login/login", "style": { "navigationStyle": "custom" } },
 				{ "path": "profile/profile", "style": { "navigationStyle": "custom" } },
+				{ "path": "edit-profile/edit-profile", "style": { "navigationStyle": "custom" } },
+				{ "path": "security/security", "style": { "navigationStyle": "custom" } },
+				{ "path": "password/password", "style": { "navigationStyle": "custom" } },
+				{ "path": "change-phone/change-phone", "style": { "navigationStyle": "custom" } },
 				{ "path": "points/points", "style": { "navigationStyle": "custom" } },
 				{ "path": "messages/messages", "style": { "navigationStyle": "custom" } }
 			]
@@ -30,6 +34,8 @@
 		{
 			"root": "packages/content",
 			"pages": [
+				{ "path": "search/search", "style": { "navigationStyle": "custom" } },
+				{ "path": "help/help", "style": { "navigationStyle": "custom" } },
 				{ "path": "news/news", "style": { "navigationStyle": "custom" } },
 				{ "path": "article/article", "style": { "navigationStyle": "custom" } },
 				{ "path": "classroom/classroom", "style": { "navigationStyle": "custom" } },
diff --git a/pages/home/home.uvue b/pages/home/home.uvue
index b436e5a..a4f8756 100644
--- a/pages/home/home.uvue
+++ b/pages/home/home.uvue
@@ -4,8 +4,11 @@
 			<view class="safe" :style="statusStyle(0)"></view>
 			<view class="home-bar" :style="navigationStyle()">
 				<view class="home-brand" :style="navigationBrandStyle(104)"><BrandLogo /></view>
-				<view class="header-actions" :style="navigationActionStyle(104)">
-					<view class="round-action notify" @click="go('/packages/account/messages/messages')">
+				<view class="header-actions" :style="navigationActionStyle(104, 2)">
+					<view class="round-action search-action" @click="go('/packages/content/search/search')">
+						<view class="action-surface"><image class="header-icon" src="/static/icons/search.svg" mode="aspectFit" /></view>
+					</view>
+					<view class="round-action notify action-following" @click="go('/packages/account/messages/messages')">
 						<view class="action-surface"><image class="header-icon" src="/static/icons/bell.svg" mode="aspectFit" /></view>
 						<view v-if="hasUnread" class="red-dot"></view>
 					</view>
@@ -60,11 +63,12 @@
 	.safe {  }
 	.home-bar { height: 104rpx; padding: 0 28rpx; flex-direction: row; align-items: center; justify-content: space-between; position: relative; }
 	.home-brand { flex-shrink: 0; justify-content: center; }
-	.header-actions { width: 62rpx; height: 62rpx; margin-left: 16rpx; flex-shrink: 0; }
-	.round-action { width: 100%; height: 100%; position: relative; flex-shrink: 0; }
-	.action-surface { width: 100%; height: 100%; border-radius: 50%; background-color: #eef5ff; align-items: center; justify-content: center; }
+	.header-actions { width: 140rpx; height: 62rpx; margin-left: 16rpx; flex-shrink: 0; flex-direction: row; }
+	.round-action { flex: 1; height: 100%; position: relative; }
+	.action-following { margin-left: 16rpx; }
+	.action-surface { width: 100%; height: 100%; align-items: center; justify-content: center; }
 	.header-icon { width: 36rpx; height: 36rpx; flex-shrink: 0; }
-	/* 红点与圆形背景同级，避免被跨端 view 的圆角裁切。 */
+	/* 红点独立定位，不影响图标居中及点击区域。 */
 	.red-dot { position: absolute; width: 16rpx; height: 16rpx; right: 2rpx; top: 2rpx; z-index: 1; background-color: #ff4d4f; border-radius: 50%; border: 2rpx solid #fff; }
 	.home-scroll {  }
 	.home-content { padding: 18rpx 28rpx 180rpx; }
diff --git a/services/assessment.uts b/services/assessment.uts
index 0191ad2..2d71e14 100644
--- a/services/assessment.uts
+++ b/services/assessment.uts
@@ -2,13 +2,15 @@ export type AssessmentForm = {
 	name: string, idCard: string, phone: string, city: string, maritalStatus: string,
 	occupation: string, company: string, monthlyIncome: string, socialSecurity: string,
 	housingFund: string, house: string, car: string, savings: string, creditCard: string,
+	creditLoanCount: string, totalDebtBalance: string, monthlyLoanPayment: string,
+	creditCardCount: string, creditCardTotalLimit: string, creditCardUsedLimit: string,
 	otherAssets: string, enterpriseName: string, businessCode: string, annualRevenue: string, operatingYears: string
 }
 export type SelectedDocument = { name: string, path: string }
 export type DataAuthorization = { key: string, name: string, selected: boolean }
 
 export function emptyAssessmentForm(): AssessmentForm {
-	return { name: '', idCard: '', phone: '', city: '', maritalStatus: '', occupation: '', company: '', monthlyIncome: '', socialSecurity: '', housingFund: '', house: '', car: '', savings: '', creditCard: '', otherAssets: '', enterpriseName: '', businessCode: '', annualRevenue: '', operatingYears: '' }
+	return { name: '', idCard: '', phone: '', city: '', maritalStatus: '', occupation: '', company: '', monthlyIncome: '', socialSecurity: '', housingFund: '', house: '', car: '', savings: '', creditCard: '', otherAssets: '', creditLoanCount: '', totalDebtBalance: '', monthlyLoanPayment: '', creditCardCount: '', creditCardTotalLimit: '', creditCardUsedLimit: '', enterpriseName: '', businessCode: '', annualRevenue: '', operatingYears: '' }
 }
 export function draftText(saved: UTSJSONObject, key: string): string {
 	const value = saved[key]
@@ -35,10 +37,32 @@ export function formFromDraft(saved: UTSJSONObject): AssessmentForm {
 	return {
 		name: draftText(saved, 'name'), idCard: draftText(saved, 'idCard'), phone: draftText(saved, 'phone'), city: draftText(saved, 'city'), maritalStatus: draftText(saved, 'maritalStatus'),
 		occupation: draftText(saved, 'occupation'), company: draftText(saved, 'company'), monthlyIncome: draftText(saved, 'monthlyIncome'), socialSecurity: draftText(saved, 'socialSecurity'), housingFund: draftText(saved, 'housingFund'),
-		house: draftText(saved, 'house'), car: draftText(saved, 'car'), savings: draftText(saved, 'savings'), creditCard: draftText(saved, 'creditCard'), otherAssets: draftText(saved, 'otherAssets'),
+		house: ownershipFromDraft(saved, 'house'), car: ownershipFromDraft(saved, 'car'), savings: draftText(saved, 'savings'), creditCard: draftText(saved, 'creditCard'), otherAssets: draftText(saved, 'otherAssets'),
+		creditLoanCount: draftText(saved, 'creditLoanCount'), totalDebtBalance: draftText(saved, 'totalDebtBalance'), monthlyLoanPayment: draftText(saved, 'monthlyLoanPayment'),
+		creditCardCount: draftText(saved, 'creditCardCount'), creditCardTotalLimit: draftText(saved, 'creditCardTotalLimit'), creditCardUsedLimit: draftText(saved, 'creditCardUsedLimit'),
 		enterpriseName: draftText(saved, 'enterpriseName'), businessCode: draftText(saved, 'businessCode'), annualRevenue: draftText(saved, 'annualRevenue'), operatingYears: draftText(saved, 'operatingYears')
 	}
 }
+export function ownershipFromDraft(saved: UTSJSONObject, key: string): string {
+	const value = draftText(saved, key)
+	if (value == '有' || value == '无') return value
+	if (value == '无房产' || value == '无车辆') return '无'
+	if (['全款房产', '按揭房产', '全款车辆', '按揭车辆'].includes(value)) return '有'
+	return ''
+}
+export function assetValidationMessage(form: AssessmentForm): string {
+	const counts = [form.creditLoanCount, form.creditCardCount]
+	const countLabels = ['信用贷款笔数', '银行信用卡张数']
+	for (let i = 0; i < counts.length; i++) {
+		if (counts[i].length > 0 && !/^[0-9]{1,4}$/.test(counts[i])) return countLabels[i] + '请输入非负整数'
+	}
+	const amounts = [form.totalDebtBalance, form.monthlyLoanPayment, form.creditCardTotalLimit, form.creditCardUsedLimit]
+	const amountLabels = ['欠款总余额', '贷款月还款金额', '总额度', '已使用总额度']
+	for (let i = 0; i < amounts.length; i++) {
+		if (amounts[i].length > 0 && !/^[0-9]{1,12}([.][0-9]{1,2})?$/.test(amounts[i])) return amountLabels[i] + '请输入有效金额，最多两位小数'
+	}
+	return ''
+}
 export function documentsFromDraft(saved: UTSJSONObject): SelectedDocument[] {
 	const results: SelectedDocument[] = []
 	const items = saved['documents'] as UTSJSONObject[] | null
@@ -56,6 +80,8 @@ export function saveAssessmentDraft(type: string, step: number, form: Assessment
 		type, step, name: form.name, idCard: form.idCard, phone: form.phone, city: form.city, maritalStatus: form.maritalStatus,
 		occupation: form.occupation, company: form.company, monthlyIncome: form.monthlyIncome, socialSecurity: form.socialSecurity, housingFund: form.housingFund,
 		house: form.house, car: form.car, savings: form.savings, creditCard: form.creditCard, otherAssets: form.otherAssets,
+		creditLoanCount: form.creditLoanCount, totalDebtBalance: form.totalDebtBalance, monthlyLoanPayment: form.monthlyLoanPayment,
+		creditCardCount: form.creditCardCount, creditCardTotalLimit: form.creditCardTotalLimit, creditCardUsedLimit: form.creditCardUsedLimit,
 		enterpriseName: form.enterpriseName, businessCode: form.businessCode, annualRevenue: form.annualRevenue, operatingYears: form.operatingYears,
 		documents: files, authorizations: grants, documentConsent, dataConsent
 	}
@@ -74,9 +100,9 @@ export function assessmentProgress(type: string): AssessmentProgress {
 	if (saved == null) return { percent: 0, basicDone: false, incomeDone: false, assetsDone: false, authorizationSelected: false }
 	const basic = type == 'enterprise' ? ['enterpriseName', 'businessCode', 'name', 'phone', 'city'] : ['name', 'idCard', 'phone', 'city', 'maritalStatus']
 	const income = type == 'enterprise' ? ['occupation', 'operatingYears', 'annualRevenue'] : ['occupation', 'company', 'monthlyIncome', 'socialSecurity', 'housingFund']
-	const assets = ['house', 'car', 'savings', 'creditCard']
+	const assets = ['house', 'car', 'creditLoanCount', 'totalDebtBalance', 'monthlyLoanPayment', 'creditCardCount', 'creditCardTotalLimit', 'creditCardUsedLimit']
 	const keys = basic.concat(income).concat(assets)
 	const filled = keys.filter((key) => draftText(saved, key).trim().length > 0).length
 	const grants = saved['authorizations'] as string[] | null
-	return { percent: Math.round(filled / keys.length * 100), basicDone: basic.every((key) => draftText(saved, key).length > 0), incomeDone: income.every((key) => draftText(saved, key).length > 0), assetsDone: assets.every((key) => draftText(saved, key).length > 0), authorizationSelected: documentsFromDraft(saved).length > 0 || (grants != null && grants.length > 0) }
+	return { percent: Math.round(filled / keys.length * 100), basicDone: basic.every((key) => draftText(saved, key).length > 0), incomeDone: income.every((key) => draftText(saved, key).length > 0), assetsDone: assets.every((key) => draftText(saved, key).trim().length > 0) && assetValidationMessage(formFromDraft(saved)).length == 0, authorizationSelected: documentsFromDraft(saved).length > 0 || (grants != null && grants.length > 0) }
 }
diff --git a/services/layout.uts b/services/layout.uts
index 7777a4d..56f3627 100644
--- a/services/layout.uts
+++ b/services/layout.uts
@@ -7,7 +7,7 @@ export type PageLayout = {
 	statusStyle: (offset: number) => string,
 	navigationStyle: () => string,
 	navigationTitleStyle: () => string,
-	navigationActionStyle: (headerHeight: number) => string,
+	navigationActionStyle: (headerHeight: number, actionCount: number) => string,
 	navigationBrandStyle: (headerHeight: number) => string,
 	bottomStyle: (padding: number) => string
 }
@@ -63,13 +63,14 @@ export function usePageLayout(): PageLayout {
 		return ''
 		// #endif
 	}
-	const navigationActionStyle = (headerHeight: number): string => {
-		// 微信通知按钮与系统胶囊等高、顶部对齐；App 保持导航行内居中。
+	const navigationActionStyle = (headerHeight: number, actionCount: number): string => {
+		// 微信操作按钮与胶囊等高、顶部对齐，整组向左展开；App 保持导航行内居中。
 		// #ifdef MP-WEIXIN
 		const size = capsuleHeight.value > 0 ? capsuleHeight.value : 32
 		const top = capsuleHeight.value > 0 ? Math.max(0, capsuleTop.value - status()) : Math.max(0, (rpx(headerHeight) - size) / 2)
 		const right = capsuleLeft.value > 0 ? windowInfo.value.windowWidth - capsuleLeft.value + 8 : 104
-		return 'position:absolute;top:' + top + 'px;right:' + right + 'px;width:' + size + 'px;height:' + size + 'px;'
+		const width = size * actionCount + rpx(16) * Math.max(0, actionCount - 1)
+		return 'position:absolute;top:' + top + 'px;right:' + right + 'px;width:' + width + 'px;height:' + size + 'px;'
 		// #endif
 		// #ifndef MP-WEIXIN
 		return ''
diff --git a/static/icons/search.svg b/static/icons/search.svg
new file mode 100644
index 0000000..ba88515
--- /dev/null
+++ b/static/icons/search.svg
@@ -0,0 +1 @@
+<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="#0868f7" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"><circle cx="10.5" cy="10.5" r="6.5"/><path d="m15.5 15.5 5 5"/></svg>