diff --git a/src/modules/finance/api/finance.test.ts b/src/modules/finance/api/finance.test.ts
index 9cc5e3c0..075bc006 100644
--- a/src/modules/finance/api/finance.test.ts
+++ b/src/modules/finance/api/finance.test.ts
@@ -1,6 +1,6 @@
 import { beforeEach, describe, expect, it, vi } from 'vitest'
 import { http } from '@/shared/api/http'
-import { actionReconciliationStatement, adjustFinanceAccount, adjustFinanceBill, createFinanceCost, createFinanceReceipt, createFinanceSettlementPayment, createPayableSettlement, createReceivableSettlement, createReconciliationStatement, downloadFinanceRechargeVoucher, editFinanceFeeSource, getFinanceBill, getFinanceCustomerAccount, getFinanceCustomerAccountSummary, getFinanceCustomerTerms, getFinanceFeeSource, getFinanceSettlement, getReceivableStatistics, getReconciliationStatement, listFinanceAccountLedger, listFinanceAccounts, listFinanceBillRevisions, listFinanceFeePool, listFinanceFeeSources, listFinancePayableSettlements, listFinanceReceivableSettlements, listFinanceRechargeRequests, listFinanceStatements, reviewFinanceFeeSource, reviewFinanceRechargeRequest, updateFinanceBill, updateFinanceCustomerTerms, uploadFinanceVoucher, voidFinanceBill } from './finance'
+import { actionReconciliationStatement, adjustFinanceAccount, adjustFinanceBill, createFinanceCost, createFinanceReceipt, createFinanceSettlementPayment, createPayableSettlement, createReceivableSettlement, createReconciliationStatement, downloadFinanceRechargeVoucher, editFinanceFeeSource, getFinanceBill, getFinanceCustomerAccount, getFinanceCustomerAccountSummary, getFinanceCustomerTerms, getFinanceFeeSource, getFinanceSettlement, getReceivableStatistics, getReconciliationStatement, listFinanceAccountLedger, listFinanceAccounts, listFinanceBillRevisions, listFinanceFeePool, listFinanceFeeSources, listFinancePayableSettlements, listFinanceReceivableSettlements, listFinanceRechargeRequests, listFinanceStatements, reviewFinanceFeeSource, reviewFinanceRechargeRequest, updateFinanceBill, updateFinanceCreditLimit, updateFinanceCustomerTerms, uploadFinanceVoucher, voidFinanceBill } from './finance'
 
 describe('finance api', () => {
   beforeEach(() => {
@@ -79,12 +79,12 @@ describe('finance api', () => {
   })
 
   it('uses the formal G1 account list path and fixed page DTO', async () => {
-    const get = vi.spyOn(http, 'get').mockResolvedValue({ code: '200', message: 'success', requestId: 'req-g1', traceId: 'trace-g1', data: [{ customerId: 10001, customerCode: 'C-10001', customerName: '客户A', contactName: '张三', contactPhone: '13800000000', outstandingReceivable: 300, pendingBilling: 50, receivedInPeriod: 100, totalCost: 260, paidCost: 180, outstandingPayable: 80, status: 'ACTIVE', lastChangedAt: '2026-08-11T10:00:00', actualBalance: '126580.50', frozenBalance: '8500.00', availableBalance: '118080.50', accountVersion: 7, pendingRechargeCount: 2 }], page: { page: 2, pageSize: 20, total: 21 } })
+    const get = vi.spyOn(http, 'get').mockResolvedValue({ code: '200', message: 'success', requestId: 'req-g1', traceId: 'trace-g1', data: [{ customerId: 10001, customerCode: 'C-10001', customerName: '客户A', contactName: '张三', contactPhone: '13800000000', outstandingReceivable: 300, pendingBilling: 50, receivedInPeriod: 100, totalCost: 260, paidCost: 180, outstandingPayable: 80, status: 'ACTIVE', lastChangedAt: '2026-08-11T10:00:00', actualBalance: '126580.50', frozenBalance: '8500.00', availableBalance: '138080.50', creditLimit: '20000.00', creditUsed: '0.00', availableCredit: '20000.00', accountVersion: 7, pendingRechargeCount: 2 }], page: { page: 2, pageSize: 20, total: 21 } })
 
     const result = await listFinanceAccounts({ page: 2, size: 20, customerId: '10001', status: 'ACTIVE' })
 
     expect(get).toHaveBeenCalledWith('/platform/finance/v1/accounts', { params: { page: 2, pageSize: 20, customerId: '10001', status: 'ACTIVE' } })
-    expect(result).toEqual({ records: [{ customerId: '10001', customerCode: 'C-10001', customerName: '客户A', contactName: '张三', contactPhone: '13800000000', outstandingReceivable: 300, pendingBilling: 50, receivedInPeriod: 100, totalCost: 260, paidCost: 180, outstandingPayable: 80, status: 'ACTIVE', lastChangedAt: '2026-08-11T10:00:00', actualBalance: '126580.50', frozenBalance: '8500.00', availableBalance: '118080.50', accountVersion: 7, pendingRechargeCount: 2 }], total: 21, pages: 2 })
+    expect(result).toEqual({ records: [{ customerId: '10001', customerCode: 'C-10001', customerName: '客户A', contactName: '张三', contactPhone: '13800000000', outstandingReceivable: 300, pendingBilling: 50, receivedInPeriod: 100, totalCost: 260, paidCost: 180, outstandingPayable: 80, status: 'ACTIVE', lastChangedAt: '2026-08-11T10:00:00', actualBalance: '126580.50', frozenBalance: '8500.00', availableBalance: '138080.50', creditLimit: '20000.00', creditUsed: '0.00', availableCredit: '20000.00', accountVersion: 7, pendingRechargeCount: 2 }], total: 21, pages: 2 })
   })
 
   it('uses the formal G1 account ledger path and fixed page DTO', async () => {
@@ -113,6 +113,15 @@ describe('finance api', () => {
     expect(ledger).toMatchObject({ ledgerId: 101, businessNo: 'AC-101', changeType: 'DEDUCTION', amount: '-100.00' })
   })
 
+  it('updates the customer credit limit with account version and idempotency', async () => {
+    const put = vi.spyOn(http, 'put').mockResolvedValue({ code: '200', message: 'ok', data: { ledgerId: 102, businessNo: 'AC-102', changeType: 'CREDIT_LIMIT', amount: '20000.00', creditLimitAfter: '20000.00', creditUsedAfter: '0.00', availableCreditAfter: '20000.00' } })
+
+    const result = await updateFinanceCreditLimit('10001', { creditLimit: '20000.00', remark: '初始化授信', expectedAccountVersion: 7 })
+
+    expect(put).toHaveBeenCalledWith('/platform/finance/v1/accounts/10001/credit-limit', { creditLimit: '20000.00', remark: '初始化授信', expectedAccountVersion: 7 }, { headers: { 'Idempotency-Key': expect.any(String) } })
+    expect(result).toMatchObject({ ledgerId: 102, changeType: 'CREDIT_LIMIT', creditLimitAfter: '20000.00', availableCreditAfter: '20000.00' })
+  })
+
   it('downloads a recharge voucher as an authenticated blob', async () => {
     const blob = new Blob(['image'], { type: 'image/png' })
     const get = vi.spyOn(http, 'get').mockResolvedValue(blob)
diff --git a/src/modules/finance/api/finance.ts b/src/modules/finance/api/finance.ts
index 7371f2c2..82171a66 100644
--- a/src/modules/finance/api/finance.ts
+++ b/src/modules/finance/api/finance.ts
@@ -140,7 +140,8 @@ function normalizeFinanceAccount(item: RawResource): FinanceAccountSummary {
     pendingBilling: numberValue(item.pendingBilling), receivedInPeriod: numberValue(item.receivedInPeriod), totalCost: numberValue(item.totalCost),
     paidCost: numberValue(item.paidCost), outstandingPayable: numberValue(item.outstandingPayable), status: stringValue(item.status),
     lastChangedAt: stringValue(item.lastChangedAt), actualBalance: stringValue(item.actualBalance), frozenBalance: stringValue(item.frozenBalance),
-    availableBalance: stringValue(item.availableBalance), accountVersion: numberValue(item.accountVersion), pendingRechargeCount: numberValue(item.pendingRechargeCount),
+    availableBalance: stringValue(item.availableBalance), creditLimit: stringValue(item.creditLimit), creditUsed: stringValue(item.creditUsed),
+    availableCredit: stringValue(item.availableCredit), accountVersion: numberValue(item.accountVersion), pendingRechargeCount: numberValue(item.pendingRechargeCount),
   }
 }
 
@@ -156,6 +157,8 @@ export async function listFinanceAccountLedger(customerId: string, params: { pag
     businessNo: nullableStringValue(item.businessNo), changeType: nullableStringValue(item.changeType), amount: nullableStringValue(item.amount),
     actualBalanceAfter: nullableStringValue(item.actualBalanceAfter), frozenBalanceAfter: nullableStringValue(item.frozenBalanceAfter),
     availableBalanceAfter: nullableStringValue(item.availableBalanceAfter), sourceType: nullableStringValue(item.sourceType),
+    creditLimitAfter: nullableStringValue(item.creditLimitAfter), creditUsedAfter: nullableStringValue(item.creditUsedAfter),
+    availableCreditAfter: nullableStringValue(item.availableCreditAfter),
     sourceNo: nullableStringValue(item.sourceNo), occurredDate: nullableStringValue(item.occurredDate),
     paymentMethod: nullableStringValue(item.paymentMethod), referenceNo: nullableStringValue(item.referenceNo),
     createdAt: nullableStringValue(item.createdAt),
@@ -198,6 +201,11 @@ export async function adjustFinanceAccount(customerId: string, payload: FinanceA
   return unwrapApiResponse(response)
 }
 
+export async function updateFinanceCreditLimit(customerId: string, payload: { creditLimit: string; remark?: string; expectedAccountVersion: number }) {
+  const response = await http.put<ApiEnvelope<RawResource>, ApiEnvelope<RawResource>>(`${basePath}/accounts/${customerId}/credit-limit`, payload, mutationHeaders('credit-limit'))
+  return unwrapApiResponse(response)
+}
+
 export async function listFinanceFeeSources(params: {
   page?: number
   size?: number
diff --git a/src/modules/finance/pages/FinanceCustomerAccountsView.test.ts b/src/modules/finance/pages/FinanceCustomerAccountsView.test.ts
index 0f1be3c0..1d326cb8 100644
--- a/src/modules/finance/pages/FinanceCustomerAccountsView.test.ts
+++ b/src/modules/finance/pages/FinanceCustomerAccountsView.test.ts
@@ -10,7 +10,7 @@ import { useAuthStore } from '@/core/auth/auth'
 import { createPlatformExportTask } from '@/modules/downloads'
 import { listPlatformTenants, type PlatformTenantResource } from '@/modules/iam'
 import { showExportTaskCreatedDialog } from '@/shared/components/exportTaskCreatedDialog'
-import { adjustFinanceAccount, downloadFinanceRechargeVoucher, listFinanceAccountLedger, listFinanceAccounts, listFinanceRechargeRequests, reviewFinanceRechargeRequest } from '../api/finance'
+import { adjustFinanceAccount, downloadFinanceRechargeVoucher, listFinanceAccountLedger, listFinanceAccounts, listFinanceRechargeRequests, reviewFinanceRechargeRequest, updateFinanceCreditLimit } from '../api/finance'
 import FinanceCustomerAccountsView from './FinanceCustomerAccountsView.vue'
 
 vi.mock('../api/finance', () => ({
@@ -19,6 +19,7 @@ vi.mock('../api/finance', () => ({
   listFinanceRechargeRequests: vi.fn(),
   reviewFinanceRechargeRequest: vi.fn(),
   adjustFinanceAccount: vi.fn(),
+  updateFinanceCreditLimit: vi.fn(),
   downloadFinanceRechargeVoucher: vi.fn(),
   getFinanceCustomerTerms: vi.fn(),
   updateFinanceCustomerTerms: vi.fn(),
@@ -37,7 +38,7 @@ function memoryStorage(): Storage {
 const accountFixture = {
   customerId: '10001', customerCode: 'C-001', customerName: '客户A', contactName: '张三', contactPhone: '13800000000',
   outstandingReceivable: 100, pendingBilling: 20, receivedInPeriod: 30, totalCost: 90, paidCost: 50, outstandingPayable: 40,
-  actualBalance: '126580.50', frozenBalance: '8500.00', availableBalance: '118080.50', accountVersion: 7, pendingRechargeCount: 1,
+  actualBalance: '126580.50', frozenBalance: '8500.00', availableBalance: '138080.50', creditLimit: '20000.00', creditUsed: '0.00', availableCredit: '20000.00', accountVersion: 7, pendingRechargeCount: 1,
   status: 'ACTIVE', lastChangedAt: '2026-08-13 10:00:00',
 }
 
@@ -65,8 +66,7 @@ describe('FinanceCustomerAccountsView delivery', () => {
     expect(page).toContain('返回客户账户')
     expect(page).toContain('<DetailPageLayout')
     expect(page).toContain('class="account-metrics"')
-    for (const metric of ['实际余额', '冻结金额', '可用余额']) expect(page).toContain(metric)
-    expect(page.match(/class="account-metric /g)).toHaveLength(3)
+    for (const metric of ['实际余额', '冻结金额', '总可用余额', '授信额度', '已用授信', '可用授信']) expect(page).toContain(metric)
     expect(page).toContain('class="ledger-query"')
     expect(page).toContain('@search="ledgerPage = 1; void loadLedger($event)"')
     expect(page).toContain('class="ledger-table"')
@@ -84,7 +84,7 @@ describe('FinanceCustomerAccountsView delivery', () => {
   it('keeps term editing aligned with the account summary and nearby actions', () => {
     for (const marker of ['class="term-section"', 'class="term-editor"', '账期天数', '#footer', '保存账期']) expect(page).toContain(marker)
     expect(page).toContain('grid-template-columns: repeat(3, minmax(0, 1fr))')
-    for (const column of ['实际余额(CNY)', '冻结金额(CNY)', '可用余额(CNY)', '待审核充值']) expect(page).toContain(column)
+    for (const column of ['实际余额(CNY)', '冻结金额(CNY)', '总可用余额(CNY)', '授信额度(CNY)', '已用授信(CNY)', '待审核充值']) expect(page).toContain(column)
     expect(page).toContain('grid-template-columns: 120px minmax(0, 220px)')
     expect(page).toContain('justify-content: start')
     expect(page).toContain('class="surface-panel finance-account-detail__surface"')
@@ -106,7 +106,7 @@ describe('FinanceCustomerAccountsView delivery', () => {
   })
 
   it('renders every account row operation as a small plain primary button with an icon', () => {
-    expect(page).toContain("{ key: 'actions', label: '操作', width: 310, fixed: 'left', slotName: 'actions' }")
+    expect(page).toContain("{ key: 'actions', label: '操作', width: 390, fixed: 'left', slotName: 'actions' }")
     expect(page).toContain('<el-button size="small" plain type="primary" @click="openAccount(row, false)"><Eye :size="15" />详情</el-button>')
     expect(page).toContain("openAdjustment(row as FinanceAccountSummary, 'RECHARGE')")
     expect(page).toContain("openAdjustment(row as FinanceAccountSummary, 'DEDUCTION')")
@@ -117,7 +117,7 @@ describe('FinanceCustomerAccountsView delivery', () => {
   })
 
   it('shows authoritative CNY wallet balances and independently permitted actions', () => {
-    for (const marker of ['实际余额', '冻结金额', '可用余额', '手工充值', '手工扣款', 'platform:finance:customer-account:adjust', 'platform:finance:recharge:review']) expect(page).toContain(marker)
+    for (const marker of ['实际余额', '冻结金额', '总可用余额', '授信额度', '已用授信', '可用授信', '手工充值', '手工扣款', '设置授信', 'platform:finance:customer-account:adjust', 'platform:finance:recharge:review']) expect(page).toContain(marker)
     expect(page).not.toContain('operatingFundsSummary')
     expect(page).not.toContain('adjustmentAccount?.actualBalance -')
   })
@@ -149,6 +149,7 @@ describe('FinanceCustomerAccountsView delivery', () => {
     vi.mocked(listFinanceRechargeRequests).mockReset().mockResolvedValue({ records: [{ requestId: '91', requestNo: 'RC-91', amount: '500.00', paymentMethod: 'WECHAT', voucherFileId: '81', voucherFileName: 'receipt.png', status: 'PENDING', version: 3, submittedByName: '客户A', reviewedByName: '', reviewRemark: '', createdAt: '2026-09-04T10:00:00', reviewedAt: '' }], total: 1, pages: 1 })
     vi.mocked(reviewFinanceRechargeRequest).mockReset().mockResolvedValue({ requestId: '91', requestNo: 'RC-91', amount: '500.00', paymentMethod: 'WECHAT', voucherFileId: '81', voucherFileName: 'receipt.png', status: 'APPROVED', version: 4, submittedByName: '客户A', reviewedByName: '财务A', reviewRemark: '', createdAt: '2026-09-04T10:00:00', reviewedAt: '2026-09-05T10:00:00' })
     vi.mocked(adjustFinanceAccount).mockReset().mockResolvedValue({ ...accountFixture, actualBalance: '127080.50', availableBalance: '118580.50', accountVersion: 8 })
+    vi.mocked(updateFinanceCreditLimit).mockReset().mockResolvedValue({ ledgerId: '102', businessNo: 'AC-102', changeType: 'CREDIT_LIMIT', amount: '20000.00', actualBalanceAfter: '126580.50', frozenBalanceAfter: '8500.00', availableBalanceAfter: '138080.50', creditLimitAfter: '20000.00', creditUsedAfter: '0.00', availableCreditAfter: '20000.00', sourceType: 'CREDIT_LIMIT_ADJUSTMENT', sourceNo: '', occurredAt: '', occurredDate: '2026-09-05', paymentMethod: '', referenceNo: '', operatorName: '财务A', remark: '', createdAt: '2026-09-05T10:00:00' })
     vi.mocked(downloadFinanceRechargeVoucher).mockReset().mockResolvedValue(new Blob(['image'], { type: 'image/png' }))
     vi.mocked(listPlatformTenants).mockReset().mockResolvedValue({ records: [{ id: '10001', tenantName: '客户A', status: 'ACTIVE' } as PlatformTenantResource], page: 1, size: 200, total: 1, pages: 1 })
     vi.mocked(createPlatformExportTask).mockReset().mockResolvedValue({ id: 'exp-1', taskNo: 'EXP-1', taskName: '客户账户', status: 'PENDING' } as never)
@@ -172,10 +173,13 @@ describe('FinanceCustomerAccountsView delivery', () => {
     expect(wrapper.text()).toContain('张三')
     expect(wrapper.text()).toContain('13800000000')
     const metrics = wrapper.find('.account-metrics')
-    expect(metrics.findAll('.account-metric')).toHaveLength(3)
+    expect(metrics.findAll('.account-metric')).toHaveLength(6)
     expect(metrics.text()).toContain('实际余额¥126580.50CNY')
     expect(metrics.text()).toContain('冻结金额¥8500.00CNY')
-    expect(metrics.text()).toContain('可用余额¥118080.50CNY')
+    expect(metrics.text()).toContain('总可用余额¥138080.50CNY')
+    expect(metrics.text()).toContain('授信额度¥20000.00CNY')
+    expect(metrics.text()).toContain('已用授信¥0.00CNY')
+    expect(metrics.text()).toContain('可用授信¥20000.00CNY')
     for (const auxiliary of ['待开账金额', '本期已收', '总成本', '已付成本', '已收客户款', '客户线下支付']) expect(metrics.text()).not.toContain(auxiliary)
     expect(listFinanceAccounts).toHaveBeenCalledWith({ page: 1, size: 1, customerId: '10001' })
     expect(listFinanceAccountLedger).toHaveBeenCalledWith('10001', expect.objectContaining({ page: 1, size: 20 }))
diff --git a/src/modules/finance/pages/FinanceCustomerAccountsView.vue b/src/modules/finance/pages/FinanceCustomerAccountsView.vue
index 456cf6e2..5123245d 100644
--- a/src/modules/finance/pages/FinanceCustomerAccountsView.vue
+++ b/src/modules/finance/pages/FinanceCustomerAccountsView.vue
@@ -1,7 +1,7 @@
 <script setup lang="ts">
 import { computed, onBeforeUnmount, onMounted, reactive, ref } from 'vue'
 import { useRoute, useRouter } from 'vue-router'
-import { ArrowLeft, Download, Eye, MinusCircle, Pencil, PlusCircle, Save } from '@lucide/vue'
+import { ArrowLeft, CreditCard, Download, Eye, MinusCircle, Pencil, PlusCircle, Save } from '@lucide/vue'
 import { ElMessage } from 'element-plus'
 import { useAccessPreviewStore } from '@/core/access/accessPreview'
 import { createPlatformExportTask } from '@/modules/downloads'
@@ -17,7 +17,7 @@ import ListPageLayout from '@/shared/components/ListPageLayout.vue'
 import LoadErrorState from '@/shared/components/LoadErrorState.vue'
 import QueryToolbar, { type QueryField, type QueryModel } from '@/shared/components/QueryToolbar.vue'
 import { showExportTaskCreatedDialog } from '@/shared/components/exportTaskCreatedDialog'
-import { adjustFinanceAccount, downloadFinanceRechargeVoucher, getFinanceCustomerTerms, listFinanceAccountLedger, listFinanceAccounts, listFinanceRechargeRequests, reviewFinanceRechargeRequest, updateFinanceCustomerTerms } from '../api/finance'
+import { adjustFinanceAccount, downloadFinanceRechargeVoucher, getFinanceCustomerTerms, listFinanceAccountLedger, listFinanceAccounts, listFinanceRechargeRequests, reviewFinanceRechargeRequest, updateFinanceCreditLimit, updateFinanceCustomerTerms } from '../api/finance'
 import { financeBusinessTypeLabel } from '../status'
 import type { FinanceAccountSummary, FinanceCustomerTerms, FinanceLedgerEntry, FinanceRechargeRequest } from '../types'
 
@@ -56,6 +56,9 @@ const adjustmentOpen = ref(false)
 const adjustmentSaving = ref(false)
 const adjustmentAccount = ref<FinanceAccountSummary | null>(null)
 const adjustmentForm = reactive({ type: 'RECHARGE' as 'RECHARGE' | 'DEDUCTION', amount: '', occurredDate: '', paymentMethod: 'BANK_TRANSFER', referenceNo: '', remark: '' })
+const creditLimitOpen = ref(false)
+const creditLimitSaving = ref(false)
+const creditLimitForm = reactive({ amount: '', remark: '' })
 const reviewOpen = ref(false)
 const reviewSaving = ref(false)
 const reviewRequest = ref<FinanceRechargeRequest | null>(null)
@@ -78,14 +81,16 @@ const queryFields = computed<QueryField[]>(() => [
   { key: 'status', type: 'select', label: '状态', width: 150, placeholder: '全部状态', options: [{ label: '正常', value: 'ACTIVE' }, { label: '停用', value: 'DISABLED' }] },
 ])
 const columns: DataTableColumn[] = [
-  { key: 'actions', label: '操作', width: 310, fixed: 'left', slotName: 'actions' },
+  { key: 'actions', label: '操作', width: 390, fixed: 'left', slotName: 'actions' },
   { key: 'customerName', label: '客户', minWidth: 180, slotName: 'customerName' },
   { key: 'customerCode', label: '客户编号', width: 150, slotName: 'customerCode' },
   { key: 'contactName', label: '联系人', width: 130, slotName: 'contactName' },
   { key: 'contactPhone', label: '联系电话', width: 150, slotName: 'contactPhone' },
   { key: 'actualBalance', label: '实际余额(CNY)', width: 155, slotName: 'actualBalance' },
   { key: 'frozenBalance', label: '冻结金额(CNY)', width: 150, slotName: 'frozenBalance' },
-  { key: 'availableBalance', label: '可用余额(CNY)', width: 155, slotName: 'availableBalance' },
+  { key: 'availableBalance', label: '总可用余额(CNY)', width: 155, slotName: 'availableBalance' },
+  { key: 'creditLimit', label: '授信额度(CNY)', width: 155, slotName: 'creditLimit' },
+  { key: 'creditUsed', label: '已用授信(CNY)', width: 150, slotName: 'creditUsed' },
   { key: 'pendingRechargeCount', label: '待审核充值', width: 120, slotName: 'pendingRechargeCount' },
   { key: 'status', label: '客户状态', width: 110, slotName: 'status' },
   { key: 'lastChangedAt', label: '最近变动', width: 170, slotName: 'lastChangedAt' },
@@ -107,6 +112,7 @@ const ledgerColumns: DataTableColumn[] = [
   { key: 'actualBalanceAfter', label: '变动后实际余额', width: 160, slotName: 'actualBalanceAfter' },
   { key: 'frozenBalanceAfter', label: '变动后冻结金额', width: 160, slotName: 'frozenBalanceAfter' },
   { key: 'availableBalanceAfter', label: '变动后可用余额', width: 160, slotName: 'availableBalanceAfter' },
+  { key: 'creditUsedAfter', label: '变动后已用授信', width: 160, slotName: 'creditUsedAfter' },
   { key: 'operatorName', label: '操作人', width: 140, slotName: 'operatorName' }, { key: 'remark', label: '备注', minWidth: 180 },
 ]
 const rechargeColumns: DataTableColumn[] = [
@@ -214,7 +220,7 @@ function paymentMethodLabel(value: unknown) {
   return ({ BANK_TRANSFER: '银行转账', WECHAT: '微信', ALIPAY: '支付宝', CASH: '现金', OTHER: '其他' } as Record<string, string>)[String(value)] || '其他'
 }
 function walletBusinessType(value: unknown) {
-  return ({ RECHARGE: '充值', DEDUCTION: '扣款' } as Record<string, string>)[String(value)] || ledgerBusinessType(value)
+  return ({ RECHARGE: '充值', DEDUCTION: '扣款', FREEZE: '冻结', UNFREEZE: '解冻', CONSUMPTION: '消费结算', CREDIT_LIMIT: '授信调整' } as Record<string, string>)[String(value)] || ledgerBusinessType(value)
 }
 function openAdjustment(account: FinanceAccountSummary, type: 'RECHARGE' | 'DEDUCTION') {
   adjustmentAccount.value = account
@@ -239,6 +245,32 @@ async function submitAdjustment() {
   } catch (error) { ElMessage.error(getApiErrorMessage(error, adjustmentForm.type === 'RECHARGE' ? '手工充值失败' : '手工扣款失败')) }
   finally { adjustmentSaving.value = false }
 }
+function openCreditLimit(account: FinanceAccountSummary) {
+  adjustmentAccount.value = account
+  Object.assign(creditLimitForm, { amount: Number(account.creditLimit || 0).toFixed(2), remark: '' })
+  creditLimitOpen.value = true
+}
+async function submitCreditLimit() {
+  if (!adjustmentAccount.value) return
+  const raw = creditLimitForm.amount.trim()
+  const amount = Number(raw)
+  if (!Number.isFinite(amount) || amount < 0 || !/^\d+(?:\.\d{1,2})?$/.test(raw)) {
+    ElMessage.warning('授信额度必须是大于或等于 0 且最多两位小数的金额')
+    return
+  }
+  creditLimitSaving.value = true
+  try {
+    await updateFinanceCreditLimit(adjustmentAccount.value.customerId, {
+      creditLimit: amount.toFixed(2), remark: creditLimitForm.remark.trim() || undefined,
+      expectedAccountVersion: adjustmentAccount.value.accountVersion,
+    })
+    creditLimitOpen.value = false
+    ElMessage.success('授信额度已更新')
+    if (selected.value?.customerId === adjustmentAccount.value.customerId) await refreshWalletDetail()
+    else await load()
+  } catch (error) { ElMessage.error(getApiErrorMessage(error, '授信额度更新失败')) }
+  finally { creditLimitSaving.value = false }
+}
 function openReview(request: FinanceRechargeRequest) {
   reviewRequest.value = request
   Object.assign(reviewForm, { decision: 'APPROVE', remark: '' })
@@ -368,11 +400,11 @@ onBeforeUnmount(clearVoucherPreview)
       <section v-if="!stateError" class="surface-panel table-panel">
         <DataTable v-model:page="page" v-model:page-size="pageSize" :data="rows" :columns="columns" :loading="loading" :total="total" preference-key="finance-customer-accounts-table" aria-label="客户账户列表" row-key="customerId" empty-text="暂无客户账户" @update:page="load()" @update:page-size="page = 1; load()">
           <template #toolbar-actions><el-button v-if="canExport" :loading="accountExportBusy" :disabled="loading || accountExportBusy" @click="exportAccounts"><Download :size="16" />导出Excel</el-button></template>
-          <template #actions="{ row }"><div class="row-actions"><el-button size="small" plain type="primary" @click="openAccount(row, false)"><Eye :size="15" />详情</el-button><el-button v-if="canAdjust" size="small" plain type="primary" @click="openAdjustment(row as FinanceAccountSummary, 'RECHARGE')"><PlusCircle :size="15" />充值</el-button><el-button v-if="canAdjust" size="small" plain type="danger" @click="openAdjustment(row as FinanceAccountSummary, 'DEDUCTION')"><MinusCircle :size="15" />扣款</el-button><el-button v-if="canUpdateTerms" size="small" plain type="primary" @click="openAccount(row, true)"><Pencil :size="15" />账期</el-button></div></template>
+          <template #actions="{ row }"><div class="row-actions"><el-button size="small" plain type="primary" @click="openAccount(row, false)"><Eye :size="15" />详情</el-button><el-button v-if="canAdjust" size="small" plain type="primary" @click="openAdjustment(row as FinanceAccountSummary, 'RECHARGE')"><PlusCircle :size="15" />充值</el-button><el-button v-if="canAdjust" size="small" plain type="danger" @click="openAdjustment(row as FinanceAccountSummary, 'DEDUCTION')"><MinusCircle :size="15" />扣款</el-button><el-button v-if="canAdjust" size="small" plain @click="openCreditLimit(row as FinanceAccountSummary)"><CreditCard :size="15" />授信</el-button><el-button v-if="canUpdateTerms" size="small" plain type="primary" @click="openAccount(row, true)"><Pencil :size="15" />账期</el-button></div></template>
           <template #customerName="{ row }">{{ customerName(row.customerId, row.customerName) }}</template>
           <template #customerCode="{ row }">{{ customerField(row.customerCode) }}</template><template #contactName="{ row }">{{ customerField(row.contactName) }}</template><template #contactPhone="{ row }">{{ customerField(row.contactPhone) }}</template>
           <template #lastChangedAt="{ row }">{{ formatLastChangedAt(row.lastChangedAt) }}</template>
-          <template #actualBalance="{ row }"><strong class="balance-value is-actual">{{ money(row.actualBalance) }}</strong></template><template #frozenBalance="{ row }"><span class="balance-value is-frozen">{{ money(row.frozenBalance) }}</span></template><template #availableBalance="{ row }"><strong class="balance-value">{{ money(row.availableBalance) }}</strong></template>
+          <template #actualBalance="{ row }"><strong class="balance-value is-actual">{{ money(row.actualBalance) }}</strong></template><template #frozenBalance="{ row }"><span class="balance-value is-frozen">{{ money(row.frozenBalance) }}</span></template><template #availableBalance="{ row }"><strong class="balance-value">{{ money(row.availableBalance) }}</strong></template><template #creditLimit="{ row }">{{ money(row.creditLimit) }}</template><template #creditUsed="{ row }"><span class="balance-value is-frozen">{{ money(row.creditUsed) }}</span></template>
           <template #pendingRechargeCount="{ row }"><el-tag v-if="row.pendingRechargeCount" type="warning">{{ row.pendingRechargeCount }} 笔</el-tag><span v-else>—</span></template>
           <template #status="{ row }"><el-tag :type="row.status === 'ACTIVE' ? 'success' : 'info'">{{ row.status === 'ACTIVE' ? '正常' : '停用' }}</el-tag></template>
           <template #pagination-left><span>共 {{ total }} 个客户账户</span></template>
@@ -382,8 +414,8 @@ onBeforeUnmount(clearVoucherPreview)
     <AdminPage v-else as="div" class="finance-account-detail" spacing="normal">
       <section class="surface-panel finance-account-detail__surface">
       <DetailPageLayout class="finance-account-detail__layout" :aria-label="editing ? '维护客户账期' : '客户账户详情'">
-        <template #header><div class="detail-heading"><div class="detail-title"><h2>{{ editing ? '维护客户账期' : '客户账户详情' }}</h2><p v-if="selected">{{ customerName(selected.customerId, selected.customerName) }} · CNY 资金账户</p></div><div v-if="selected && !editing" class="detail-actions"><el-button v-if="canAdjust" type="primary" plain @click="openAdjustment(selected, 'RECHARGE')"><PlusCircle :size="16" />手工充值</el-button><el-button v-if="canAdjust" type="danger" plain @click="openAdjustment(selected, 'DEDUCTION')"><MinusCircle :size="16" />手工扣款</el-button></div><el-button class="detail-back" @click="closeDetail"><ArrowLeft :size="16" />返回客户账户</el-button></div></template>
-        <template v-if="selected && !ledgerError" #summary><section class="account-metrics" aria-label="客户资金账户余额"><div class="account-metric is-actual"><span>实际余额</span><strong>{{ money(selected.actualBalance) }}</strong><small>CNY</small></div><div class="account-metric is-frozen"><span>冻结金额</span><strong>{{ money(selected.frozenBalance) }}</strong><small>CNY</small></div><div class="account-metric is-available"><span>可用余额</span><strong>{{ money(selected.availableBalance) }}</strong><small>CNY</small></div></section></template>
+        <template #header><div class="detail-heading"><div class="detail-title"><h2>{{ editing ? '维护客户账期' : '客户账户详情' }}</h2><p v-if="selected">{{ customerName(selected.customerId, selected.customerName) }} · CNY 资金账户</p></div><div v-if="selected && !editing" class="detail-actions"><el-button v-if="canAdjust" type="primary" plain @click="openAdjustment(selected, 'RECHARGE')"><PlusCircle :size="16" />手工充值</el-button><el-button v-if="canAdjust" type="danger" plain @click="openAdjustment(selected, 'DEDUCTION')"><MinusCircle :size="16" />手工扣款</el-button><el-button v-if="canAdjust" plain @click="openCreditLimit(selected)"><CreditCard :size="16" />设置授信</el-button></div><el-button class="detail-back" @click="closeDetail"><ArrowLeft :size="16" />返回客户账户</el-button></div></template>
+        <template v-if="selected && !ledgerError" #summary><section class="account-metrics" aria-label="客户资金账户余额"><div class="account-metric is-actual"><span>实际余额</span><strong>{{ money(selected.actualBalance) }}</strong><small>CNY</small></div><div class="account-metric is-frozen"><span>冻结金额</span><strong>{{ money(selected.frozenBalance) }}</strong><small>CNY</small></div><div class="account-metric is-available"><span>总可用余额</span><strong>{{ money(selected.availableBalance) }}</strong><small>CNY</small></div><div class="account-metric"><span>授信额度</span><strong>{{ money(selected.creditLimit) }}</strong><small>CNY</small></div><div class="account-metric is-frozen"><span>已用授信</span><strong>{{ money(selected.creditUsed) }}</strong><small>CNY</small></div><div class="account-metric"><span>可用授信</span><strong>{{ money(selected.availableCredit) }}</strong><small>CNY</small></div></section></template>
         <LoadErrorState v-if="ledgerError" :title="editing ? '客户账期加载失败' : '账户流水加载失败'" :message="ledgerError.message" :loading="ledgerLoading" @retry="retryDrawer"><template #details><ApiErrorMeta :details="ledgerError" /></template></LoadErrorState>
         <template v-else-if="selected">
           <FormSection class="customer-profile-section" title="客户信息" :bordered="false"><el-descriptions :column="3"><el-descriptions-item label="客户编号">{{ customerField(selected.customerCode) }}</el-descriptions-item><el-descriptions-item label="联系人">{{ customerField(selected.contactName) }}</el-descriptions-item><el-descriptions-item label="联系电话">{{ customerField(selected.contactPhone) }}</el-descriptions-item></el-descriptions></FormSection>
@@ -399,7 +431,7 @@ onBeforeUnmount(clearVoucherPreview)
           </FormSection>
           <FormSection v-if="!editing" class="ledger-section" title="账户流水" :bordered="false">
             <QueryToolbar v-model="ledgerFilters" class="ledger-query" :fields="ledgerQueryFields" ariaLabel="账户流水筛选" preference-key="finance-account-ledger-query" @search="ledgerPage = 1; void loadLedger($event)" />
-            <div class="detail-table-scroll"><DataTable v-model:page="ledgerPage" v-model:page-size="ledgerPageSize" class="ledger-table" :data="ledger" :columns="ledgerColumns" :loading="ledgerLoading" :total="ledgerTotal" row-key="ledgerId" empty-text="暂无账户流水" @update:page="loadLedger()" @update:page-size="ledgerPage = 1; loadLedger()"><template #toolbar-actions><el-button v-if="canExport" :loading="ledgerExportBusy" :disabled="ledgerLoading || ledgerExportBusy" @click="exportLedger"><Download :size="16" />导出流水</el-button></template><template #pagination-left>共 {{ ledgerTotal }} 条</template><template #ledgerId="{ row }"><span class="ledger-identifier" :title="displayLedgerId(row.businessNo || row.ledgerId)">{{ displayLedgerId(row.businessNo || row.ledgerId) }}</span></template><template #occurredAt="{ row }">{{ row.occurredDate || formatDateTime(row.createdAt || row.occurredAt) }}</template><template #businessType="{ row }">{{ walletBusinessType(row.changeType || row.businessType) }}</template><template #documentNo="{ row }"><span class="ledger-document" :title="displayDocumentNo(row.referenceNo || row.sourceNo || row.documentNo)">{{ displayDocumentNo(row.referenceNo || row.sourceNo || row.documentNo) }}</span></template><template #amount="{ row }">{{ money(row.amount) }}</template><template #ledgerPaymentMethod="{ row }">{{ row.paymentMethod ? paymentMethodLabel(row.paymentMethod) : '—' }}</template><template #actualBalanceAfter="{ row }">{{ money(row.actualBalanceAfter) }}</template><template #frozenBalanceAfter="{ row }">{{ money(row.frozenBalanceAfter) }}</template><template #availableBalanceAfter="{ row }">{{ money(row.availableBalanceAfter) }}</template><template #operatorName="{ row }">{{ displayOperator(row.operatorName) }}</template></DataTable></div>
+            <div class="detail-table-scroll"><DataTable v-model:page="ledgerPage" v-model:page-size="ledgerPageSize" class="ledger-table" :data="ledger" :columns="ledgerColumns" :loading="ledgerLoading" :total="ledgerTotal" row-key="ledgerId" empty-text="暂无账户流水" @update:page="loadLedger()" @update:page-size="ledgerPage = 1; loadLedger()"><template #toolbar-actions><el-button v-if="canExport" :loading="ledgerExportBusy" :disabled="ledgerLoading || ledgerExportBusy" @click="exportLedger"><Download :size="16" />导出流水</el-button></template><template #pagination-left>共 {{ ledgerTotal }} 条</template><template #ledgerId="{ row }"><span class="ledger-identifier" :title="displayLedgerId(row.businessNo || row.ledgerId)">{{ displayLedgerId(row.businessNo || row.ledgerId) }}</span></template><template #occurredAt="{ row }">{{ row.occurredDate || formatDateTime(row.createdAt || row.occurredAt) }}</template><template #businessType="{ row }">{{ walletBusinessType(row.changeType || row.businessType) }}</template><template #documentNo="{ row }"><span class="ledger-document" :title="displayDocumentNo(row.referenceNo || row.sourceNo || row.documentNo)">{{ displayDocumentNo(row.referenceNo || row.sourceNo || row.documentNo) }}</span></template><template #amount="{ row }">{{ money(row.amount) }}</template><template #ledgerPaymentMethod="{ row }">{{ row.paymentMethod ? paymentMethodLabel(row.paymentMethod) : '—' }}</template><template #actualBalanceAfter="{ row }">{{ money(row.actualBalanceAfter) }}</template><template #frozenBalanceAfter="{ row }">{{ money(row.frozenBalanceAfter) }}</template><template #availableBalanceAfter="{ row }">{{ money(row.availableBalanceAfter) }}</template><template #creditUsedAfter="{ row }">{{ money(row.creditUsedAfter) }}</template><template #operatorName="{ row }">{{ displayOperator(row.operatorName) }}</template></DataTable></div>
           </FormSection>
           <FormSection v-else class="term-section" title="账期设置" :bordered="false"><div class="term-editor"><span class="term-label">账期天数</span><div class="term-control"><el-input-number v-model="creditDays" :min="0" :max="3650" :step="1" placeholder="请输入账期天数" /><span class="term-unit">天</span></div></div></FormSection>
         </template>
@@ -408,9 +440,13 @@ onBeforeUnmount(clearVoucherPreview)
       </section>
     </AdminPage>
     <AppDialog v-model="adjustmentOpen" :title="adjustmentForm.type === 'RECHARGE' ? '手工充值' : '手工扣款'" width="min(720px, calc(100vw - 28px))" :confirm-text="adjustmentForm.type === 'RECHARGE' ? '确认充值' : '确认扣款'" :confirm-type="adjustmentForm.type === 'RECHARGE' ? 'primary' : 'danger'" :confirm-loading="adjustmentSaving" @confirm="submitAdjustment">
-      <el-alert :title="adjustmentForm.type === 'RECHARGE' ? '充值成功后立即计入客户实际余额并生成资金流水。' : '扣款不得超过服务端可用余额；冻结或停用账户由服务端拒绝。'" :type="adjustmentForm.type === 'RECHARGE' ? 'info' : 'warning'" :closable="false" />
+      <el-alert :title="adjustmentForm.type === 'RECHARGE' ? '充值会先归还已用授信，剩余金额计入实际余额。' : '扣款先使用未冻结的实际余额，不足部分再使用可用授信。'" :type="adjustmentForm.type === 'RECHARGE' ? 'info' : 'warning'" :closable="false" />
       <el-form label-position="top" class="wallet-form"><div class="wallet-form__grid"><el-form-item label="客户名称"><el-input :model-value="adjustmentAccount ? customerName(adjustmentAccount.customerId, adjustmentAccount.customerName) : ''" readonly /></el-form-item><el-form-item label="当前实际余额"><el-input :model-value="money(adjustmentAccount?.actualBalance)" readonly /></el-form-item><el-form-item v-if="adjustmentForm.type === 'DEDUCTION'" label="当前可用余额"><el-input :model-value="money(adjustmentAccount?.availableBalance)" readonly /></el-form-item><el-form-item :label="adjustmentForm.type === 'RECHARGE' ? '充值金额' : '扣款金额'" required><el-input v-model="adjustmentForm.amount" inputmode="decimal" placeholder="请输入大于 0 的金额" /></el-form-item><el-form-item :label="adjustmentForm.type === 'RECHARGE' ? '到账日期' : '扣款日期'" required><el-date-picker v-model="adjustmentForm.occurredDate" type="date" value-format="YYYY-MM-DD" /></el-form-item><el-form-item :label="adjustmentForm.type === 'RECHARGE' ? '充值方式' : '扣款方式'" required><el-select v-model="adjustmentForm.paymentMethod"><el-option label="银行转账" value="BANK_TRANSFER" /><el-option label="现金" value="CASH" /><el-option label="其他" value="OTHER" /></el-select></el-form-item><el-form-item label="关联单据"><el-input v-model="adjustmentForm.referenceNo" maxlength="128" placeholder="请输入关联业务单号（选填）" /></el-form-item></div><el-form-item :label="adjustmentForm.type === 'RECHARGE' ? '充值备注' : '扣款备注'"><el-input v-model="adjustmentForm.remark" type="textarea" :rows="3" maxlength="1000" show-word-limit placeholder="请输入备注（选填）" /></el-form-item></el-form>
     </AppDialog>
+    <AppDialog v-model="creditLimitOpen" title="设置授信额度" width="min(560px, calc(100vw - 28px))" confirm-text="保存授信额度" :confirm-loading="creditLimitSaving" @confirm="submitCreditLimit">
+      <el-alert title="授信额度不能低于已用授信与冻结授信之和；修改后立即影响客户总可用余额。" type="info" :closable="false" />
+      <el-form label-position="top" class="wallet-form"><el-form-item label="客户名称"><el-input :model-value="adjustmentAccount ? customerName(adjustmentAccount.customerId, adjustmentAccount.customerName) : ''" readonly /></el-form-item><el-form-item label="当前已用授信"><el-input :model-value="money(adjustmentAccount?.creditUsed)" readonly /></el-form-item><el-form-item label="授信额度" required><el-input v-model="creditLimitForm.amount" inputmode="decimal" placeholder="请输入大于或等于 0 的金额" /></el-form-item><el-form-item label="调整说明"><el-input v-model="creditLimitForm.remark" type="textarea" :rows="3" maxlength="500" show-word-limit /></el-form-item></el-form>
+    </AppDialog>
     <AppDialog v-model="reviewOpen" title="审核充值申请" width="min(620px, calc(100vw - 28px))" confirm-text="确认审核" :confirm-loading="reviewSaving" @confirm="submitReview">
       <el-descriptions v-if="reviewRequest" :column="2" border><el-descriptions-item label="申请单号">{{ reviewRequest.requestNo }}</el-descriptions-item><el-descriptions-item label="充值金额">{{ money(reviewRequest.amount) }}</el-descriptions-item><el-descriptions-item label="付款方式">{{ paymentMethodLabel(reviewRequest.paymentMethod) }}</el-descriptions-item><el-descriptions-item label="付款凭证">{{ reviewRequest.voucherFileName || '—' }}</el-descriptions-item></el-descriptions>
       <el-form label-position="top" class="review-form"><el-form-item label="审核结果" required><el-radio-group v-model="reviewForm.decision"><el-radio value="APPROVE">通过</el-radio><el-radio value="REJECT">驳回</el-radio></el-radio-group></el-form-item><el-form-item label="审核备注"><el-input v-model="reviewForm.remark" type="textarea" :rows="3" maxlength="1000" show-word-limit placeholder="请输入审核备注（选填）" /></el-form-item></el-form>
@@ -560,6 +596,11 @@ onBeforeUnmount(clearVoucherPreview)
   padding-left: 0;
 }
 
+.account-metric:nth-child(4) {
+  padding-left: 0;
+  border-left: 0;
+}
+
 .account-metric + .account-metric {
   border-left: 1px solid var(--cc-border, #e3e8ef);
 }
diff --git a/src/modules/finance/types.ts b/src/modules/finance/types.ts
index 9801460a..490f07a9 100644
--- a/src/modules/finance/types.ts
+++ b/src/modules/finance/types.ts
@@ -192,6 +192,9 @@ export interface FinanceAccountSummary {
   actualBalance: string
   frozenBalance: string
   availableBalance: string
+  creditLimit: string
+  creditUsed: string
+  availableCredit: string
   accountVersion: number
   pendingRechargeCount: number
 }
@@ -235,6 +238,9 @@ export interface FinanceLedgerEntry {
   actualBalanceAfter?: string | null
   frozenBalanceAfter?: string | null
   availableBalanceAfter?: string | null
+  creditLimitAfter?: string | null
+  creditUsedAfter?: string | null
+  availableCreditAfter?: string | null
   sourceType?: string | null
   sourceNo?: string | null
   occurredDate?: string | null