登记收款加银行账户，允许额度欠费。

bms-front/src/api/ar/bankAccount.js

@@ -0,0 +1,10 @@
+import request from '@/utils/request'
+
+// 公司收款银行账户（登记收款下拉选择）
+export function listBankAccountOptions(currency) {
+  return request({
+    url: '/ar/bank-account/options',
+    method: 'get',
+    params: currency ? { currency } : {}
+  })
+}

bms-front/src/views/customersuppliermanagement/customerinfo/customeredit/index.vue

@@ -506,8 +506,8 @@
             </el-form-item>
           </el-col>
           <el-col :span="24">
-            <el-form-item label="营业执照" prop="businessLicenseOssId">
-              <image-upload v-model="companyForm.businessLicenseOssId" :limit="1" :size="5" />
+            <el-form-item label="营业执照" prop="businessLicenseUrl">
+              <image-upload v-model="companyForm.businessLicenseUrl" :limit="1" :size="5" />
             </el-form-item>
           </el-col>
           <el-col :span="24">
@@ -1029,7 +1029,7 @@ function resetCompanyForm() {
     registeredCity: '',
     registeredDistrict: '',
     registeredAddressDetail: '',
-    businessLicenseOssId: null,
+    businessLicenseUrl: '',
     attachmentIds: '',
     remark: ''
   }

bms-front/src/views/customersuppliermanagement/customerinfo/customermoney/index.vue

@@ -73,7 +73,7 @@
           <div class="balance-label">可用额度</div>
           <div class="balance-value" :class="availableOverLimit ? 'danger' : 'success'">{{ availableCredit }}</div>
           <div class="balance-sub" v-if="availableOverLimit" style="color: var(--el-color-danger);">
-            已超额，回款核销后恢复
+            已超额，可继续计费，请及时催收回款
           </div>
         </el-card>
       </el-col>
@@ -152,6 +152,14 @@
             <el-table-column label="收款方式" align="center" prop="payMethod" width="110">
               <template #default="scope">{{ formatOption(payMethodOptions, scope.row.payMethod) }}</template>
             </el-table-column>
+            <el-table-column label="收款银行账户" align="center" width="220" show-overflow-tooltip>
+              <template #default="scope">
+                <span v-if="scope.row.bankAccountId">
+                  {{ scope.row.bankName || '-' }} {{ scope.row.bankAccountNo || '' }}
+                </span>
+                <span v-else>-</span>
+              </template>
+            </el-table-column>
             <el-table-column label="银行/平台流水号" align="center" prop="bankTransactionNo" width="170" show-overflow-tooltip />
             <el-table-column label="状态" align="center" prop="status" width="90">
               <template #default="scope">
@@ -637,6 +645,26 @@
               </el-select>
             </el-form-item>
           </el-col>
+          <el-col :span="12">
+            <el-form-item label="收款银行账户" prop="bankAccountId">
+              <el-select
+                v-model="receiptDialog.form.bankAccountId"
+                placeholder="请选择收款银行账户"
+                style="width: 100%;"
+                filterable
+                clearable
+                :loading="bankAccountLoading"
+                @change="handleBankAccountChange"
+              >
+                <el-option
+                  v-for="acc in bankAccountOptions"
+                  :key="acc.bankAccountId"
+                  :label="`${acc.bankName} ${acc.accountNo}（${acc.accountName}）`"
+                  :value="acc.bankAccountId"
+                />
+              </el-select>
+            </el-form-item>
+          </el-col>
           <el-col :span="12">
             <el-form-item label="流水号" prop="bankTransactionNo">
               <el-input v-model="receiptDialog.form.bankTransactionNo" placeholder="银行/支付平台流水号" />
@@ -715,6 +743,13 @@
         </el-descriptions-item>
         <el-descriptions-item label="待核销金额">CNY {{ formatMoney(viewDialog.data.unallocatedAmount) }}</el-descriptions-item>
         <el-descriptions-item label="收款方式">{{ formatOption(payMethodOptions, viewDialog.data.payMethod) }}</el-descriptions-item>
+        <el-descriptions-item label="收款银行账户">
+          <span v-if="viewDialog.data.bankAccountId">
+            {{ viewDialog.data.bankName || '-' }} {{ viewDialog.data.bankAccountNo || '' }}
+            <span v-if="viewDialog.data.bankAccountName">（{{ viewDialog.data.bankAccountName }}）</span>
+          </span>
+          <span v-else>-</span>
+        </el-descriptions-item>
         <el-descriptions-item label="银行流水号">{{ viewDialog.data.bankTransactionNo || '-' }}</el-descriptions-item>
         <el-descriptions-item label="确认时间">{{ formatDateTime(viewDialog.data.confirmedAt) }}</el-descriptions-item>
         <el-descriptions-item label="登记人">{{ viewDialog.data.createBy || '-' }}</el-descriptions-item>
@@ -822,7 +857,7 @@
               <div class="rate-tip">
                 {{ creditDialog.form.creditType === 'TEMP'
                   ? '失效日当天仍有效，次日访问账户时自动清零并记到期流水'
-                  : '信用额度失效日期必填；失效日当天仍有效，次日自动清零，已用额度未回款时将形成欠费拦截' }}
+                  : '信用额度失效日期必填；失效日当天仍有效，次日自动清零，已用额度未回款时将形成超额欠费（可继续计费，请及时催收）' }}
               </div>
             </el-form-item>
           </el-col>
@@ -970,6 +1005,7 @@ import { getCustomer } from "@/api/customersuppliermanagement/customerinfo/custo
 import { listAccount, listReceipt, getReceipt, addReceipt, confirmReceipt, cancelReceipt, listFlow, listCreditFlow, applyCreditAdjust, listCreditApply, approveCreditApply, rejectCreditApply, cancelCreditApply, listMyCreditPools } from "@/api/customersuppliermanagement/customermoney/customermoney.js"
 import { listUnsettledBill, listBalanceWriteoff, balanceWriteoff, cancelBalanceWriteoff } from "@/api/customersuppliermanagement/customermoney/customerbill.js"
 import { convertToBase } from "@/api/data/exchangeRate"
+import { listBankAccountOptions } from "@/api/ar/bankAccount"
 import { getToken } from "@/utils/auth"
 import { AR_BALANCE_WRITEOFF_STATUS, AR_BALANCE_WRITEOFF_STATUS_OPTIONS, AR_BALANCE_WRITEOFF_STATUS_TYPES, AR_BILL_STATUS_OPTIONS, AR_BILL_STATUS_TYPES, arEnumLabel } from '@/constants/ar/enums'
 
@@ -1107,7 +1143,7 @@ const availableCreditValue = computed(() => {
 })
 /** 可用额度展示文本 */
 const availableCredit = computed(() => formatMoney(availableCreditValue.value))
-/** 是否处于超额状态（已用额度超过授信总额，新计费开单将被拦截，需先回款核销） */
+/** 是否处于超额状态（已用额度超过授信总额，可用为负；不拦截计费，后续做超额提醒） */
 const availableOverLimit = computed(() => availableCreditValue.value < 0)
 
 /** 临时额度有效期文案 */
@@ -1360,6 +1396,30 @@ const receiptDialog = reactive({
   visible: false,
   form: {}
 })
+/** 收款银行账户下拉（按币种过滤，默认账户优先） */
+const bankAccountOptions = ref([])
+const bankAccountLoading = ref(false)
+
+function loadBankAccountOptions(currency, { autoPick = true } = {}) {
+  bankAccountLoading.value = true
+  listBankAccountOptions(currency || 'CNY').then(res => {
+    bankAccountOptions.value = res.data || []
+    if (!autoPick) return
+    // 当前已选账户在新列表中仍存在则保留；否则默认选中默认账户（无默认取第一个）
+    const cur = receiptDialog.form.bankAccountId
+    const stillExists = cur && bankAccountOptions.value.some(a => a.bankAccountId === cur)
+    if (!stillExists) {
+      const def = bankAccountOptions.value.find(a => a.isDefault === '1') || bankAccountOptions.value[0]
+      receiptDialog.form.bankAccountId = def ? def.bankAccountId : null
+    }
+  }).finally(() => {
+    bankAccountLoading.value = false
+  })
+}
+
+function handleBankAccountChange() {
+  // 选项清空时无需额外处理；快照（户名/账号/开户行）由后端登记时回填
+}
 const receiptRules = {
   receivedAt: [{ required: true, message: '收款日期不能为空', trigger: 'change' }],
   amount: [{ required: true, message: '收款金额不能为空', trigger: 'blur' }],
@@ -1378,6 +1438,7 @@ function resetReceiptForm() {
     currency: 'CNY',
     exchangeRate: 1,
     payMethod: 'BANK_TRANSFER',
+    bankAccountId: null,
     bankTransactionNo: '',
     remark: '',
     attachmentList: []
@@ -1387,6 +1448,7 @@ function resetReceiptForm() {
 
 function handleAddReceipt() {
   resetReceiptForm()
+  loadBankAccountOptions(receiptDialog.form.currency)
   receiptDialog.visible = true
 }
 
@@ -1422,11 +1484,12 @@ function fetchDefaultRate() {
     })
 }
 
-/** 切换币种：重置手工标记并重新取默认汇率 */
+/** 切换币种：重置手工标记并重新取默认汇率、刷新收款银行账户下拉 */
 function handleCurrencyChange() {
   rateEdited.value = false
   rateSourceInfo.value = { source: '', ratePath: '' }
   fetchDefaultRate()
+  loadBankAccountOptions(receiptDialog.form.currency)
 }
 
 /** 手工修改汇率 */