From 8f25f823d5a0608c9715918f7f1df2e10743c40c Mon Sep 17 00:00:00 2001
From: jacy <18049821889@163.com>
Date: Tue, 8 Sep 2026 14:23:00 +0800
Subject: [PATCH] =?UTF-8?q?=E5=88=A0=E9=99=A4=E9=97=A8=E5=BA=97=E7=9A=84?=
 =?UTF-8?q?=E5=A4=9A=E9=93=B6=E8=A1=8C=E8=B4=A6=E6=88=B7=E5=88=97=E8=A1=A8?=
MIME-Version: 1.0
Content-Type: text/plain; charset=UTF-8
Content-Transfer-Encoding: 8bit

---
 .../src/components/StoreBankAccountsPanel.tsx | 178 -------------
 apps/admin-web/src/layouts/AdminLayout.tsx    |   2 +-
 apps/admin-web/src/pages/BankAccountsPage.tsx |  54 +++-
 apps/admin-web/src/pages/CityPartnersPage.tsx |  12 +-
 .../src/pages/FulfillmentProvidersPage.tsx    |  15 +-
 apps/admin-web/src/pages/StoresPage.tsx       |  20 +-
 .../src/pages/SystemSettingsPage.tsx          |  30 ++-
 apps/h5-shop/src/App.tsx                      |   2 -
 apps/h5-shop/src/pages/BankAccountsPage.tsx   | 252 ------------------
 apps/h5-shop/src/pages/MinePage.tsx           |   6 -
 docs/杜康好客-v4-PRD.md                       |  24 +-
 docs/杜康好客-v4-现状对照.md                  |   9 +-
 docs/杜康好客-v4.0.18-开发文档.md             |  75 +++---
 packages/shared-types/src/settlement.ts       |  22 +-
 .../migrate-drop-store-bank-account-v4018.sql |   5 +
 server/dukang-api/prisma/schema.prisma        |  20 --
 .../src/common/store/store-bank.util.ts       | 116 ++------
 .../finance-bank-account.service.ts           |  41 +--
 .../settlement/finance-bank-export.util.ts    |  11 +-
 .../modules/store/store-bank.controller.ts    |  93 -------
 .../src/modules/store/store-bank.service.ts   | 121 ---------
 .../src/modules/store/store.module.ts         |   8 +-
 22 files changed, 214 insertions(+), 902 deletions(-)
 delete mode 100644 apps/admin-web/src/components/StoreBankAccountsPanel.tsx
 delete mode 100644 apps/h5-shop/src/pages/BankAccountsPage.tsx
 create mode 100644 server/dukang-api/prisma/migrate-drop-store-bank-account-v4018.sql
 delete mode 100644 server/dukang-api/src/modules/store/store-bank.controller.ts
 delete mode 100644 server/dukang-api/src/modules/store/store-bank.service.ts

diff --git a/apps/admin-web/src/components/StoreBankAccountsPanel.tsx b/apps/admin-web/src/components/StoreBankAccountsPanel.tsx
deleted file mode 100644
index 123b377..0000000
--- a/apps/admin-web/src/components/StoreBankAccountsPanel.tsx
+++ /dev/null
@@ -1,178 +0,0 @@
-import { useCallback, useEffect, useState } from 'react';
-import { Button, Form, Input, Modal, Popconfirm, Space, Table, Tag, message } from 'antd';
-import type { ColumnsType } from 'antd/es/table';
-import type { StoreBankAccountDto } from '@dukang/shared-types';
-import { request } from '../lib/api';
-
-type Props = { storeId: string };
-
-type FormValues = { bankAccountName: string; bankAccountNo: string; bankBranch?: string };
-
-export default function StoreBankAccountsPanel({ storeId }: Props) {
-  const [form] = Form.useForm<FormValues>();
-  const [items, setItems] = useState<StoreBankAccountDto[]>([]);
-  const [loading, setLoading] = useState(false);
-  const [editingId, setEditingId] = useState<string | null>(null);
-  const [modalOpen, setModalOpen] = useState(false);
-  const [submitting, setSubmitting] = useState(false);
-
-  const load = useCallback(async () => {
-    setLoading(true);
-    try {
-      const res = await request<StoreBankAccountDto[]>(`/admin/stores/${storeId}/bank-accounts`);
-      setItems(res ?? []);
-    } catch (e) {
-      message.error(e instanceof Error ? e.message : '加载失败');
-    } finally {
-      setLoading(false);
-    }
-  }, [storeId]);
-
-  useEffect(() => {
-    void load();
-  }, [load]);
-
-  function openCreate() {
-    setEditingId(null);
-    form.resetFields();
-    setModalOpen(true);
-  }
-
-  function openEdit(item: StoreBankAccountDto) {
-    setEditingId(item.id);
-    form.setFieldsValue({
-      bankAccountName: item.bankAccountName,
-      bankAccountNo: item.bankAccountNo,
-      bankBranch: item.bankBranch ?? '',
-    });
-    setModalOpen(true);
-  }
-
-  async function submit() {
-    const v = await form.validateFields();
-    setSubmitting(true);
-    try {
-      const body = JSON.stringify({
-        bankAccountName: v.bankAccountName.trim(),
-        bankAccountNo: v.bankAccountNo.replace(/\s+/g, ''),
-        bankBranch: v.bankBranch?.trim() || undefined,
-      });
-      if (editingId) {
-        await request(`/admin/stores/${storeId}/bank-accounts/${editingId}`, { method: 'PUT', body });
-      } else {
-        await request(`/admin/stores/${storeId}/bank-accounts`, { method: 'POST', body });
-      }
-      message.success('已保存');
-      setModalOpen(false);
-      void load();
-    } catch (e) {
-      message.error(e instanceof Error ? e.message : '保存失败');
-    } finally {
-      setSubmitting(false);
-    }
-  }
-
-  async function setDefault(id: string) {
-    try {
-      await request(`/admin/stores/${storeId}/bank-accounts/${id}/default`, { method: 'POST' });
-      message.success('已设为默认打款账户');
-      void load();
-    } catch (e) {
-      message.error(e instanceof Error ? e.message : '设置失败');
-    }
-  }
-
-  async function remove(id: string) {
-    try {
-      await request(`/admin/stores/${storeId}/bank-accounts/${id}`, { method: 'DELETE' });
-      message.success('已删除');
-      void load();
-    } catch (e) {
-      message.error(e instanceof Error ? e.message : '删除失败');
-    }
-  }
-
-  const columns: ColumnsType<StoreBankAccountDto> = [
-    { title: '收款人', dataIndex: 'bankAccountName', width: 140 },
-    { title: '银行账号', dataIndex: 'bankAccountNo', width: 180 },
-    { title: '开户行', dataIndex: 'bankBranch', render: (v) => v || '—' },
-    {
-      title: '默认',
-      dataIndex: 'isDefault',
-      width: 80,
-      render: (v) => (v ? <Tag color="green">默认</Tag> : null),
-    },
-    {
-      title: '操作',
-      width: 220,
-      render: (_, row) => (
-        <Space size={0} wrap>
-          <Button type="link" size="small" onClick={() => openEdit(row)}>编辑</Button>
-          {!row.isDefault ? (
-            <Button type="link" size="small" onClick={() => void setDefault(row.id)}>设为默认</Button>
-          ) : null}
-          {!row.isDefault ? (
-            <Popconfirm
-              title="确认删除该收款账户？"
-              okText="删除"
-              okButtonProps={{ danger: true }}
-              onConfirm={() => void remove(row.id)}
-            >
-              <Button type="link" size="small" danger>删除</Button>
-            </Popconfirm>
-          ) : null}
-        </Space>
-      ),
-    },
-  ];
-
-  return (
-    <div>
-      <Space style={{ marginBottom: 12, width: '100%', justifyContent: 'space-between' }}>
-        <span style={{ color: '#888' }}>
-          每门店可维护多个收款账户，标记「默认」的账户用于核销结算与提现打款；切换即时生效、无需重启服务。
-        </span>
-        <Button type="primary" size="small" onClick={openCreate}>新增账户</Button>
-      </Space>
-      <Table
-        rowKey="id"
-        size="small"
-        loading={loading}
-        columns={columns}
-        dataSource={items}
-        pagination={false}
-      />
-      <Modal
-        title={editingId ? '编辑收款账户' : '新增收款账户'}
-        open={modalOpen}
-        confirmLoading={submitting}
-        onCancel={() => setModalOpen(false)}
-        onOk={() => void submit()}
-        okText="保存"
-      >
-        <Form form={form} layout="vertical">
-          <Form.Item
-            name="bankAccountName"
-            label="收款人"
-            rules={[{ required: true, message: '请填写收款人' }]}
-          >
-            <Input maxLength={64} placeholder="户名 / 收款人姓名" />
-          </Form.Item>
-          <Form.Item
-            name="bankAccountNo"
-            label="银行账号"
-            rules={[
-              { required: true, message: '请填写银行账号' },
-              { pattern: /^\d{8,32}$/, message: '请填写 8～32 位数字账号' },
-            ]}
-          >
-            <Input maxLength={32} placeholder="请输入银行账号" />
-          </Form.Item>
-          <Form.Item name="bankBranch" label="开户行名称">
-            <Input maxLength={128} placeholder="如 中国工商银行郑州分行" />
-          </Form.Item>
-        </Form>
-      </Modal>
-    </div>
-  );
-}
diff --git a/apps/admin-web/src/layouts/AdminLayout.tsx b/apps/admin-web/src/layouts/AdminLayout.tsx
index 55bf212..9deb398 100644
--- a/apps/admin-web/src/layouts/AdminLayout.tsx
+++ b/apps/admin-web/src/layouts/AdminLayout.tsx
@@ -86,7 +86,7 @@ const MENU_ITEMS: MenuProps['items'] = [
       { key: '/finance/partner-bills', label: '合伙人账单' },
       { key: '/finance/winery-bills', label: '酒厂账单' },
       { key: '/finance/logistics-bills', label: '物流对账' },
-      { key: '/finance/bank-accounts', label: '银行账户' },
+      { key: '/finance/bank-accounts', label: '全部银行账户' },
     ],
   },
   {
diff --git a/apps/admin-web/src/pages/BankAccountsPage.tsx b/apps/admin-web/src/pages/BankAccountsPage.tsx
index 99f4a75..ccc9cd3 100644
--- a/apps/admin-web/src/pages/BankAccountsPage.tsx
+++ b/apps/admin-web/src/pages/BankAccountsPage.tsx
@@ -1,4 +1,5 @@
 import { useEffect, useMemo, useState } from 'react';
+import { useNavigate } from 'react-router-dom';
 import {
   Button,
   Form,
@@ -24,6 +25,7 @@ import { downloadBase64File } from '../lib/exportExcel';
 import { useAdminList } from '../lib/useAdminList';
 import { useAdminListColumns } from '../lib/useAdminListColumns';
 import { AdminListHeader } from '../components/AdminListHeader';
+import { AdminPrimaryLink } from '../components/AdminPrimaryLink';
 
 type CityOption = { id: string; name: string };
 
@@ -55,6 +57,7 @@ function otherNumericId(id: string) {
 }
 
 export default function BankAccountsPage() {
+  const navigate = useNavigate();
   const [filterForm] = Form.useForm<{
     type?: FinanceBankAccountType;
     cityId?: string;
@@ -198,17 +201,42 @@ export default function BankAccountsPage() {
         <Tag color={TYPE_COLORS[type]}>{FINANCE_BANK_ACCOUNT_TYPE_LABELS[type]}</Tag>
       ),
     },
-    { title: '归属', dataIndex: 'ownerName', width: 180 },
-    { title: '城市', dataIndex: 'cityName', width: 100, render: (v?: string | null) => v || '—' },
-    { title: '户名', dataIndex: 'bankAccountName', width: 140 },
-    { title: '银行账号', dataIndex: 'bankAccountNo', width: 180 },
-    { title: '开户行', dataIndex: 'bankBranch', width: 180, render: (v?: string | null) => v || '—' },
     {
-      title: '默认',
-      dataIndex: 'isDefault',
-      width: 72,
-      render: (v: boolean | undefined, row) => (row.type === 'STORE' ? (v ? '是' : '否') : '—'),
+      title: '归属',
+      dataIndex: 'ownerName',
+      width: 180,
+      render: (name: string, row) => (
+        <AdminPrimaryLink
+          onClick={() => {
+            if (row.type === 'STORE' && row.ownerId) {
+              navigate(`/stores?storeId=${encodeURIComponent(row.ownerId)}&tab=settlement`);
+              return;
+            }
+            if (row.type === 'WINERY') {
+              navigate('/system-settings?group=winery_bank');
+              return;
+            }
+            if (row.type === 'PARTNER' && row.ownerId) {
+              navigate(`/city-partners?partnerId=${encodeURIComponent(row.ownerId)}`);
+              return;
+            }
+            if (row.type === 'LOGISTICS' && row.ownerId) {
+              navigate(`/fulfillment-providers?id=${encodeURIComponent(row.ownerId)}`);
+              return;
+            }
+            if (row.type === 'OTHER') {
+              openEdit(row);
+            }
+          }}
+        >
+          {name}
+        </AdminPrimaryLink>
+      ),
     },
+    { title: '城市', dataIndex: 'cityName', width: 100, render: (v?: string | null) => v || '—' },
+    { title: '结算户名', dataIndex: 'bankAccountName', width: 140 },
+    { title: '银行账号', dataIndex: 'bankAccountNo', width: 180 },
+    { title: '开户银行', dataIndex: 'bankBranch', width: 180, render: (v?: string | null) => v || '—' },
     { title: '备注', dataIndex: 'remark', width: 200, render: (v?: string | null) => v || '—' },
     {
       title: '操作',
@@ -251,8 +279,8 @@ export default function BankAccountsPage() {
     <div>
       {settingsModal}
       <AdminListHeader
-        title="银行账户"
-        description="汇总门店、酒厂、合伙人、物流的有效收款账户；可登记不挂门店的其他账户。打款仍以各业务源账户为准。"
+        title="全部银行账户"
+        description="汇总门店结算资质、酒厂、合伙人、物流的有效银行账户；可登记不挂门店的其他账户。打款仍以各业务源账户为准。"
         settings={settingsButton}
         actions={
           <Button type="primary" onClick={openCreate}>
@@ -287,7 +315,7 @@ export default function BankAccountsPage() {
           />
         </Form.Item>
         <Form.Item name="keyword" label="查找">
-          <Input allowClear style={{ width: 220 }} placeholder="户名 / 账号 / 开户行 / 归属 / 备注" />
+          <Input allowClear style={{ width: 220 }} placeholder="户名 / 账号 / 开户银行 / 归属 / 备注" />
         </Form.Item>
         <Form.Item>
           <Button type="primary" htmlType="submit">
@@ -361,7 +389,7 @@ export default function BankAccountsPage() {
           >
             <Input maxLength={32} />
           </Form.Item>
-          <Form.Item name="bankBranch" label="开户行">
+          <Form.Item name="bankBranch" label="开户银行">
             <Input maxLength={128} />
           </Form.Item>
           <Form.Item name="remark" label="备注">
diff --git a/apps/admin-web/src/pages/CityPartnersPage.tsx b/apps/admin-web/src/pages/CityPartnersPage.tsx
index c75b6b5..c3ab3be 100644
--- a/apps/admin-web/src/pages/CityPartnersPage.tsx
+++ b/apps/admin-web/src/pages/CityPartnersPage.tsx
@@ -1,4 +1,4 @@
-import { useCallback, useEffect, useState } from 'react';
+import { useCallback, useEffect, useRef, useState } from 'react';
 import { Link, useNavigate, useSearchParams } from 'react-router-dom';
 import {
   Alert,
@@ -131,6 +131,8 @@ export default function CityPartnersPage() {
   const navigate = useNavigate();
   const [searchParams] = useSearchParams();
   const initialCityId = searchParams.get('cityId')?.trim() || '';
+  const initialPartnerId = searchParams.get('partnerId')?.trim() || '';
+  const deepLinkPartnerOpenedRef = useRef(false);
   const [filterForm] = Form.useForm();
   const [editForm] = Form.useForm();
   const [createForm] = Form.useForm();
@@ -213,6 +215,14 @@ export default function CityPartnersPage() {
     return d;
   }
 
+  useEffect(() => {
+    if (!initialPartnerId || deepLinkPartnerOpenedRef.current) return;
+    deepLinkPartnerOpenedRef.current = true;
+    void openPartner(initialPartnerId).catch((e) => {
+      message.error(e instanceof Error ? e.message : '合伙人详情加载失败');
+    });
+  }, [initialPartnerId]);
+
   async function savePartner() {
     if (!detail) return;
     try {
diff --git a/apps/admin-web/src/pages/FulfillmentProvidersPage.tsx b/apps/admin-web/src/pages/FulfillmentProvidersPage.tsx
index 554db5e..ab92449 100644
--- a/apps/admin-web/src/pages/FulfillmentProvidersPage.tsx
+++ b/apps/admin-web/src/pages/FulfillmentProvidersPage.tsx
@@ -1,4 +1,5 @@
-import { useCallback, useEffect, useMemo, useState } from 'react';
+import { useCallback, useEffect, useMemo, useRef, useState } from 'react';
+import { useSearchParams } from 'react-router-dom';
 import {
   Alert,
   Button,
@@ -52,8 +53,11 @@ const SIGN_OPTIONS = [
 const DEFAULT_XFX_API_URL = 'https://beta.51xiaoju.cn/app/api/interface.do';
 
 export default function FulfillmentProvidersPage() {
+  const [searchParams] = useSearchParams();
+  const initialId = searchParams.get('id')?.trim() || '';
+  const deepLinkOpenedRef = useRef(false);
   const [rows, setRows] = useState<FulfillmentProviderDto[]>([]);
-  const [loading, setLoading] = useState(false);
+  const [loading, setLoading] = useState(true);
   const [open, setOpen] = useState(false);
   const [editRow, setEditRow] = useState<FulfillmentProviderDto | null>(null);
   const [form] = Form.useForm();
@@ -132,6 +136,13 @@ export default function FulfillmentProvidersPage() {
     setOpen(true);
   }
 
+  useEffect(() => {
+    if (!initialId || deepLinkOpenedRef.current || loading) return;
+    const row = rows.find((r) => String(r.id) === initialId);
+    deepLinkOpenedRef.current = true;
+    if (row) openEdit(row);
+  }, [initialId, loading, rows]);
+
   async function submit() {
     const v = await form.validateFields();
     const payload: Record<string, unknown> = {
diff --git a/apps/admin-web/src/pages/StoresPage.tsx b/apps/admin-web/src/pages/StoresPage.tsx
index 29242c4..1eb8292 100644
--- a/apps/admin-web/src/pages/StoresPage.tsx
+++ b/apps/admin-web/src/pages/StoresPage.tsx
@@ -51,7 +51,6 @@ import TencentLocPickerModal from '../components/TencentLocPickerModal';
 import AdminStorePackagesSection, {
   type AdminStorePackagesHandle,
 } from '../components/AdminStorePackagesSection';
-import StoreBankAccountsPanel from '../components/StoreBankAccountsPanel';
 import StorePackageAuditPanel, {
   auditStorePackageRequest,
 } from '../components/StorePackageAuditPanel';
@@ -257,6 +256,7 @@ export default function StoresPage() {
   const initialPartnerId = searchParams.get('partnerId') ?? '';
   const initialAuditStatus = searchParams.get('auditStatus') ?? '';
   const initialStoreId = searchParams.get('storeId') ?? '';
+  const initialTab = searchParams.get('tab') ?? '';
   const [form] = Form.useForm();
   const [editForm] = Form.useForm();
   const [createForm] = Form.useForm<StoreCreateForm>();
@@ -477,13 +477,13 @@ export default function StoresPage() {
     const row = data?.items?.find((s) => String(s.id) === initialStoreId);
     if (row) {
       deepLinkStoreOpenedRef.current = true;
-      void openStoreDetail(row);
+      void openStoreDetail(row, { tab: initialTab || undefined });
     } else if (data && (data.items?.length ?? 0) >= 0) {
       // 列表无该店时仍尝试直拉详情
       deepLinkStoreOpenedRef.current = true;
-      void openStoreDetail({ id: initialStoreId } as StoreRow);
+      void openStoreDetail({ id: initialStoreId } as StoreRow, { tab: initialTab || undefined });
     }
-  }, [data, initialStoreId, loading]);
+  }, [data, initialStoreId, initialTab, loading]);
 
   async function saveStoreDetail() {
     if (!detail) return;
@@ -1277,14 +1277,14 @@ export default function StoresPage() {
                       </Form.Item>
                       <Form.Item
                         name="bankAccountNo"
-                        label="银行卡号"
+                        label="银行账号"
                         rules={[
                           {
                             validator: async (_, value) => {
                               const v = String(value || '').trim();
                               if (!v) return;
                               if (!/^\d{16,19}$/.test(v)) {
-                                throw new Error('银行卡号须为 16–19 位数字');
+                                throw new Error('银行账号须为 16–19 位数字');
                               }
                             },
                           },
@@ -1298,14 +1298,6 @@ export default function StoresPage() {
                     </>
                   ),
                 },
-                {
-                  key: 'bank-accounts',
-                  label: '收款账户',
-                  forceRender: true,
-                  children: (
-                    <StoreBankAccountsPanel storeId={String(detail.id)} />
-                  ),
-                },
                 {
                   key: 'media',
                   label: '审核材料',
diff --git a/apps/admin-web/src/pages/SystemSettingsPage.tsx b/apps/admin-web/src/pages/SystemSettingsPage.tsx
index b4d242e..cf3065f 100644
--- a/apps/admin-web/src/pages/SystemSettingsPage.tsx
+++ b/apps/admin-web/src/pages/SystemSettingsPage.tsx
@@ -1,5 +1,5 @@
 import { useEffect, useMemo, useRef, useState, type ReactNode } from 'react';
-import { useNavigate } from 'react-router-dom';
+import { useNavigate, useSearchParams } from 'react-router-dom';
 import {
   Alert,
   Button,
@@ -159,6 +159,9 @@ function renderField(
 
 export default function SystemSettingsPage() {
   const navigate = useNavigate();
+  const [searchParams] = useSearchParams();
+  const groupKey = searchParams.get('group')?.trim() || '';
+  const [activeKeys, setActiveKeys] = useState<string[]>(() => (groupKey ? [groupKey] : []));
   const [form] = Form.useForm<Record<string, string>>();
   const [meta, setMeta] = useState<SystemConfigFormResponse | null>(null);
   const [profile, setProfile] = useState<HqProfile | null>(null);
@@ -327,13 +330,30 @@ export default function SystemSettingsPage() {
 
       return {
         key: group.key,
-        label: group.label,
+        label: <span id={`sys-setting-group-${group.key}`}>{group.label}</span>,
         forceRender: true,
         children,
       };
     });
   }, [meta, mockSmsEnabled, loading]);
 
+  useEffect(() => {
+    if (groupKey) {
+      setActiveKeys((prev) => (prev.includes(groupKey) ? prev : [...prev, groupKey]));
+    }
+  }, [groupKey]);
+
+  useEffect(() => {
+    if (!groupKey || loading) return;
+    const timer = window.setTimeout(() => {
+      document.getElementById(`sys-setting-group-${groupKey}`)?.scrollIntoView({
+        behavior: 'smooth',
+        block: 'start',
+      });
+    }, 80);
+    return () => window.clearTimeout(timer);
+  }, [groupKey, loading]);
+
   async function onSave() {
     await form.validateFields();
     const values = form.getFieldsValue(true);
@@ -432,7 +452,11 @@ export default function SystemSettingsPage() {
 
       <Card loading={loading}>
         <Form form={form} layout="vertical" onValuesChange={() => setDirty(true)}>
-          <Collapse defaultActiveKey={[]} items={collapseItems} />
+          <Collapse
+            activeKey={activeKeys}
+            onChange={(keys) => setActiveKeys(Array.isArray(keys) ? keys : [keys])}
+            items={collapseItems}
+          />
         </Form>
         {meta?.updatedAt ? (
           <Typography.Text type="secondary" style={{ display: 'block', marginTop: 16 }}>
diff --git a/apps/h5-shop/src/App.tsx b/apps/h5-shop/src/App.tsx
index ea18b05..59669a9 100644
--- a/apps/h5-shop/src/App.tsx
+++ b/apps/h5-shop/src/App.tsx
@@ -13,7 +13,6 @@ import StatusPage from './pages/StatusPage';
 import MinePage from './pages/MinePage';
 import StaffPage from './pages/StaffPage';
 import WithdrawPage from './pages/WithdrawPage';
-import BankAccountsPage from './pages/BankAccountsPage';
 import PackagesPage from './pages/PackagesPage';
 
 export default function App() {
@@ -26,7 +25,6 @@ export default function App() {
         <Route path="/select-store" element={<SelectStorePage />} />
         <Route path="/staff" element={<StaffPage />} />
         <Route path="/withdraw" element={<WithdrawPage />} />
-        <Route path="/bank-accounts" element={<BankAccountsPage />} />
         <Route path="/packages" element={<PackagesPage />} />
         <Route path="/redeem" element={<RedeemConfirmPage />} />
         <Route path="/redeem/phone" element={<PhoneRedeemPage />} />
diff --git a/apps/h5-shop/src/pages/BankAccountsPage.tsx b/apps/h5-shop/src/pages/BankAccountsPage.tsx
deleted file mode 100644
index 14d01cb..0000000
--- a/apps/h5-shop/src/pages/BankAccountsPage.tsx
+++ /dev/null
@@ -1,252 +0,0 @@
-import { useCallback, useEffect, useState } from 'react';
-import { useNavigate } from 'react-router-dom';
-import type { StoreBankAccountDto } from '@dukang/shared-types';
-import { request } from '../lib/api';
-import { useStoreSession } from '../contexts/StoreSessionContext';
-import { useStorePageView } from '../lib/usePageView';
-
-type FormState = {
-  id?: string;
-  bankAccountName: string;
-  bankAccountNo: string;
-  bankBranch: string;
-};
-
-const EMPTY_FORM: FormState = { bankAccountName: '', bankAccountNo: '', bankBranch: '' };
-
-export default function BankAccountsPage() {
-  useStorePageView('store_bank_accounts_view');
-  const navigate = useNavigate();
-  const { store } = useStoreSession();
-  const isPrimary = !!store?.isPrimary;
-  const [items, setItems] = useState<StoreBankAccountDto[]>([]);
-  const [loading, setLoading] = useState(true);
-  const [msg, setMsg] = useState('');
-  const [form, setForm] = useState<FormState>(EMPTY_FORM);
-  const [fieldErrors, setFieldErrors] = useState<Partial<Record<keyof FormState, string>>>({});
-  const [submitting, setSubmitting] = useState(false);
-
-  const load = useCallback(async () => {
-    try {
-      const res = await request<StoreBankAccountDto[]>('SHOP_H5', '/shop/store/bank-accounts');
-      setItems(res ?? []);
-    } catch (e) {
-      setMsg(e instanceof Error ? e.message : '加载失败');
-    } finally {
-      setLoading(false);
-    }
-  }, []);
-
-  useEffect(() => {
-    void load();
-  }, [load]);
-
-  function startCreate() {
-    setForm(EMPTY_FORM);
-    setFieldErrors({});
-  }
-
-  function startEdit(item: StoreBankAccountDto) {
-    setForm({
-      id: item.id,
-      bankAccountName: item.bankAccountName,
-      bankAccountNo: item.bankAccountNo,
-      bankBranch: item.bankBranch ?? '',
-    });
-    setFieldErrors({});
-  }
-
-  async function submit() {
-    const name = form.bankAccountName.trim();
-    const no = form.bankAccountNo.replace(/\s+/g, '');
-    const branch = form.bankBranch.trim();
-    const next: Partial<Record<keyof FormState, string>> = {};
-    if (!name) next.bankAccountName = '请填写收款人';
-    if (!/^\d{8,32}$/.test(no)) next.bankAccountNo = '请填写 8～32 位数字账号';
-    setFieldErrors(next);
-    if (Object.keys(next).length) return;
-
-    setSubmitting(true);
-    setMsg('');
-    try {
-      const body = JSON.stringify({ bankAccountName: name, bankAccountNo: no, bankBranch: branch });
-      if (form.id) {
-        await request('SHOP_H5', `/shop/store/bank-accounts/${form.id}`, {
-          method: 'PUT',
-          body,
-        });
-      } else {
-        await request('SHOP_H5', '/shop/store/bank-accounts', { method: 'POST', body });
-      }
-      setForm(EMPTY_FORM);
-      await load();
-    } catch (e) {
-      setMsg(e instanceof Error ? e.message : '保存失败');
-    } finally {
-      setSubmitting(false);
-    }
-  }
-
-  async function setDefault(id: string) {
-    setMsg('');
-    try {
-      await request('SHOP_H5', `/shop/store/bank-accounts/${id}/default`, { method: 'POST' });
-      await load();
-    } catch (e) {
-      setMsg(e instanceof Error ? e.message : '设置失败');
-    }
-  }
-
-  async function remove(id: string) {
-    setMsg('');
-    try {
-      await request('SHOP_H5', `/shop/store/bank-accounts/${id}`, { method: 'DELETE' });
-      await load();
-    } catch (e) {
-      setMsg(e instanceof Error ? e.message : '删除失败');
-    }
-  }
-
-  const editing = !!form.id;
-
-  return (
-    <div className="shop-records-page">
-      <header className="shop-records-header" style={{ display: 'flex', alignItems: 'center', gap: 8 }}>
-        <button
-          type="button"
-          className="shop-withdraw-back"
-          onClick={() => navigate(-1)}
-          aria-label="返回"
-        >
-          <span className="material-symbols-outlined" style={{ fontSize: 22 }}>arrow_back</span>
-        </button>
-        <h1 className="app-page-title" style={{ margin: 0 }}>收款账户</h1>
-      </header>
-
-      <div className="shop-records-main">
-        <p
-          className="shop-records-summary-note"
-          style={{ marginBottom: 12 }}
-        >
-          用于总部打款，可维护多个账户；标记「默认」的账户用于提现打款，切换即时生效、无需重启。
-        </p>
-
-        {loading ? (
-          <p className="shop-records-empty">加载中…</p>
-        ) : items.length === 0 ? (
-          <p className="shop-records-empty">暂无收款账户{isPrimary ? '，请新增' : ''}</p>
-        ) : (
-          <div className="shop-records-list">
-            {items.map((it) => (
-              <article key={it.id} className="shop-record-card">
-                <div className="shop-record-card-top">
-                  <div>
-                    <div className="shop-record-order">
-                      <span className="shop-record-time" style={{ margin: 0 }}>收款人</span>
-                      <span>{it.bankAccountName}</span>
-                      {it.isDefault ? (
-                        <span className="shop-record-badge paid">默认</span>
-                      ) : null}
-                    </div>
-                    <p className="shop-record-time">账号: {it.bankAccountNo}</p>
-                    {it.bankBranch ? <p className="shop-record-time">开户行: {it.bankBranch}</p> : null}
-                  </div>
-                </div>
-                {isPrimary ? (
-                  <div className="shop-record-footer" style={{ display: 'flex', gap: 12 }}>
-                    <button type="button" className="shop-records-chip" onClick={() => startEdit(it)}>
-                      编辑
-                    </button>
-                    {!it.isDefault ? (
-                      <button type="button" className="shop-records-chip" onClick={() => void setDefault(it.id)}>
-                        设为默认
-                      </button>
-                    ) : null}
-                    {!it.isDefault ? (
-                      <button type="button" className="shop-records-chip" onClick={() => void remove(it.id)}>
-                        删除
-                      </button>
-                    ) : null}
-                  </div>
-                ) : null}
-              </article>
-            ))}
-          </div>
-        )}
-
-        {isPrimary ? (
-          <section className="shop-records-summary" style={{ marginTop: 16 }}>
-            <h3 className="shop-records-list-title">
-              {editing ? '编辑账户' : '新增账户'}
-            </h3>
-            <div className="shop-mine-info-card">
-              <label className="shop-record-amount-label">
-                收款人 <span style={{ color: 'red' }}>*</span>
-              </label>
-              <input
-                className="shop-withdraw-input"
-                value={form.bankAccountName}
-                maxLength={64}
-                placeholder="户名 / 收款人姓名"
-                onChange={(e) => setForm({ ...form, bankAccountName: e.target.value })}
-              />
-              {fieldErrors.bankAccountName ? (
-                <p className="shop-withdraw-msg" role="alert">{fieldErrors.bankAccountName}</p>
-              ) : null}
-
-              <label className="shop-record-amount-label" style={{ marginTop: 12 }}>
-                银行账号 <span style={{ color: 'red' }}>*</span>
-              </label>
-              <input
-                className="shop-withdraw-input"
-                inputMode="numeric"
-                value={form.bankAccountNo}
-                maxLength={32}
-                placeholder="请输入银行账号"
-                onChange={(e) => setForm({ ...form, bankAccountNo: e.target.value.replace(/[^\d]/g, '') })}
-              />
-              {fieldErrors.bankAccountNo ? (
-                <p className="shop-withdraw-msg" role="alert">{fieldErrors.bankAccountNo}</p>
-              ) : null}
-
-              <label className="shop-record-amount-label" style={{ marginTop: 12 }}>
-                开户行名称
-              </label>
-              <input
-                className="shop-withdraw-input"
-                value={form.bankBranch}
-                maxLength={128}
-                placeholder="如 中国工商银行郑州分行"
-                onChange={(e) => setForm({ ...form, bankBranch: e.target.value })}
-              />
-
-              <div style={{ display: 'flex', gap: 8, marginTop: 16 }}>
-                <button
-                  type="button"
-                  className="shop-withdraw-btn"
-                  disabled={submitting}
-                  onClick={() => void submit()}
-                >
-                  {submitting ? '保存中…' : '保存'}
-                </button>
-                {editing ? (
-                  <button
-                    type="button"
-                    className="shop-records-chip"
-                    onClick={startCreate}
-                  >
-                    取消编辑
-                  </button>
-                ) : null}
-              </div>
-            </div>
-          </section>
-        ) : (
-          <p className="shop-records-empty">仅主账号可维护收款账户</p>
-        )}
-
-        {msg ? <p className="shop-withdraw-msg">{msg}</p> : null}
-      </div>
-    </div>
-  );
-}
diff --git a/apps/h5-shop/src/pages/MinePage.tsx b/apps/h5-shop/src/pages/MinePage.tsx
index 304c8a9..471cf12 100644
--- a/apps/h5-shop/src/pages/MinePage.tsx
+++ b/apps/h5-shop/src/pages/MinePage.tsx
@@ -153,12 +153,6 @@ export default function MinePage() {
             <span className="material-symbols-outlined" style={{ fontSize: 20 }}>account_balance_wallet</span>
             结算提现
           </button>
-          {profile?.isPrimary ? (
-            <button type="button" className="shop-mine-action" onClick={() => navigate('/bank-accounts')}>
-              <span className="material-symbols-outlined" style={{ fontSize: 20 }}>account_balance</span>
-              收款账户
-            </button>
-          ) : null}
           {profile?.isPrimary ? (
             <button type="button" className="shop-mine-action" onClick={() => navigate('/packages')}>
               <span className="material-symbols-outlined" style={{ fontSize: 20 }}>restaurant_menu</span>
diff --git a/docs/杜康好客-v4-PRD.md b/docs/杜康好客-v4-PRD.md
index fbd0153..0889ea8 100644
--- a/docs/杜康好客-v4-PRD.md
+++ b/docs/杜康好客-v4-PRD.md
@@ -1,6 +1,7 @@
 # 杜康好客 · V4 PRD
 
-> **v4.0**（2026-08-29）· 关联码与分佣事实源；**v4.0.6** 酒厂对账；**v4.0.7** HQ 活动图快链与勾选导出；**v4.0.9** 合伙人 H5 周结算与用户管理；**v4.0.14** HQ 概览粒度；**v4.0.15** HQ 概览折线图；**v4.0.18** 门店多收款账户、子账号继承码、财务银行账户总目录  
+> **v4.0**（2026-08-29）· 关联码与分佣事实源；**v4.0.6** 酒厂对账；**v4.0.7** HQ 活动图快链与勾选导出；**v4.0.9** 合伙人 H5 周结算与用户管理；**v4.0.14** HQ 概览粒度；**v4.0.15** HQ 概览折线图；**v4.0.18** 子账号继承码、财务全部银行账户目录  
+> 未改规则仍见 [`杜康好客-v3-PRD.md`](./杜康好客-v3-PRD.md)。**冲突时 V4 > V3**（本主题：订单佣金归属、关联码、合伙人账单明细、活动图、酒厂对账、合伙人周结算、HQ 概览、财务银行账户）。  
 > 未改规则仍见 [`杜康好客-v3-PRD.md`](./杜康好客-v3-PRD.md)。**冲突时 V4 > V3**（本主题：订单佣金归属、关联码、合伙人账单明细、活动图、酒厂对账、合伙人周结算、HQ 概览、财务银行账户）。  
 > 实现：[`v4.0.1 开发文档`](./杜康好客-v4.0.1-开发文档.md) · [`v4.0.2 开发文档`](./杜康好客-v4.0.2-开发文档.md) · [`v4.0.6 开发文档`](./杜康好客-v4.0.6-开发文档.md) · [`v4.0.7 开发文档`](./杜康好客-v4.0.7-开发文档.md) · [`v4.0.9 开发文档`](./杜康好客-v4.0.9-开发文档.md) · [`v4.0.14 开发文档`](./杜康好客-v4.0.14-开发文档.md) · [`v4.0.15 开发文档`](./杜康好客-v4.0.15-开发文档.md) · [`v4.0.18 开发文档`](./杜康好客-v4.0.18-开发文档.md) · 审计：[`v4-现状对照`](./杜康好客-v4-现状对照.md)
 
@@ -15,7 +16,7 @@
 | 4.0.9 | 09-02 | 子账号默认启用；关联码已扫码计数；零元账单不同步；主账号自填银行账号；周账周一 08:00 出账；预付款预估；子账号用户管理（无活动图） | [`v4.0.9`](./杜康好客-v4.0.9-开发文档.md) |
 | 4.0.14 | 09-02 | HQ 概览：日/周/月/季/年、环比、全局城市/时间 + 五板块筛；订单/核销笔数与金额 | [`v4.0.14`](./杜康好客-v4.0.14-开发文档.md) |
 | 4.0.15 | 09-02 | HQ 概览改为全宽折线图：粒度分桶、总量/增量、维度线条；查看快链只带全局筛选 | [`v4.0.15`](./杜康好客-v4.0.15-开发文档.md) |
-| 4.0.18 | 09-07 / 09-08 | C 端门店列表省+市+区+详细地址（原样拼接、不去重）；门店多收款账户（默认账户打款，切换无需重启）；子账号独立继承二维码 + 子账号维度统计；HQ 财务银行账户总目录 | [`v4.0.18`](./杜康好客-v4.0.18-开发文档.md) |
+| 4.0.18 | 09-07 / 09-08 | C 端门店列表省+市+区+详细地址（原样拼接、不去重）；子账号独立继承二维码 + 子账号维度统计；HQ 财务全部银行账户（门店行读结算资质）；撤销门店多收款账户 | [`v4.0.18`](./杜康好客-v4.0.18-开发文档.md) |
 
 ## 1. 锚点（沿用 V3，佣金归属改写）
 
@@ -99,27 +100,26 @@ HQ 财务详情与合伙人确认页均展示两段列表。不再「无快照
 - **应付为 0 仍出账**：出账日无订单或应付为 0 仍生成账单；业务状态展示「无需打款」（DB 仍为 `UNPAID`，不可确认打款）。
 - **已打款不回刷**；未打款账单可重算；明细 `orderId` 冲突时从其他未打款账单迁入。
 
-## 8. 门店收款账户（v4.0.18）
+## 8. 门店打款账户（v4.0.18）
 
-- 一个门店可维护**多个**收款银行账户（表 `store_bank_account`，挂在 `storeId`）；`is_default=1` 为打款默认账户（每店至多一个）。
-- 打款/核销结算/提现/账单导出统一读取**默认账户**（无默认取第一个 ACTIVE；回退旧主账号字段兼容存量）。
-- **切换/新增/删除账户无需重启服务器**：银行字段均实时查库，无进程内缓存。
-- 权限：门店主账号维护本店账户（子账号只读）；总部可维护任意门店账户。
+- 打款/核销结算/提现/账单导出读取门店详情「结算资质」：结算户名、银行账号、开户银行（主账号 `StoreAccount.bank_account_*`）。
+- **不**再维护独立「收款账户」列表或 `store_bank_account`；一门店一行。
+- 改结算资质后无需重启，下次打款即时生效。
 
-## 9. 财务银行账户总目录（v4.0.18）
+## 9. 财务全部银行账户（v4.0.18）
 
-HQ「财务 → 银行账户」聚合**有效**收款账户，供财务查阅、筛选、导出；**不替代**各业务源的维护入口，也不作为打款主数据。
+HQ「财务 → 全部银行账户」聚合**有效**银行账户，供财务查阅、筛选、导出；**不替代**各业务源的维护入口，也不作为打款主数据。
 
 | 类型 | 来源 | 有效 | 本页可写 |
 |------|------|------|----------|
-| 门店 | `store_bank_account` | ACTIVE 且户名+账号非空；含非默认 | 仅备注 |
+| 门店 | 门店详情结算资质（主账号 `bank_account_*`） | 户名+账号非空；一店一行 | 仅备注 |
 | 酒厂 | `WINERY_BANK_*` | 户名+账号已填 | 仅备注 |
 | 合伙人 | 主账号 `bank_account_*` | ACTIVE 且户名+账号非空 | 仅备注 |
 | 物流 | 承运商 `common_fulfillment_provider` | ACTIVE 且户名+账号非空 | 仅备注 |
 | 其他 | `finance_bank_account` | ACTIVE | 增删改（不挂门店，不进入打款） |
 
-- 列表字段：类型、归属、城市、户名、银行账号、开户行、备注；门店显示是否默认。
-- 筛选：类型、城市、关键字（户名/账号/开户行/归属/备注）。可导出 Excel 与 PDF。
+- 列表字段：类型、归属（快链到源页面）、城市、结算户名、银行账号、开户银行、备注。
+- 筛选：类型、城市、关键字（户名/账号/开户银行/归属/备注）。可导出 Excel 与 PDF。
 - 「其他」账户仅登记备查，不进入门店提现、账单打款、酒厂/物流对账。
 - 权限：`finance`。
 
diff --git a/docs/杜康好客-v4-现状对照.md b/docs/杜康好客-v4-现状对照.md
index bdadd07..c9dba26 100644
--- a/docs/杜康好客-v4-现状对照.md
+++ b/docs/杜康好客-v4-现状对照.md
@@ -7,7 +7,7 @@
 
 | 维度 | 结论 |
 |------|------|
-| 版本线 | **v4.0.18** 门店多收款账户 + 子账号继承二维码 + HQ 财务银行账户总目录（含 v4.0.15 HQ 概览折线图） |
+| 版本线 | **v4.0.18** 子账号继承二维码 + HQ 财务全部银行账户（门店行读结算资质；含 v4.0.15 HQ 概览折线图） |
 | 订单佣金 | 区县归属已删除；只认关联 / 代下单选择 |
 | 账单 | 酒订单 / 核销订单分列；合伙人改为周账（周一 08:00）；零元不同步合伙人；酒厂含现场提货，零应付仍出账（无需打款） |
 | 活动图 | HQ 上传底图/码栏/文案；**v4.0.15 上传超限自动压缩并提示尺寸**；合伙人选择写入库；HQ 可指定一张图为勾选主合伙人合成下载；子账号不可看活动图 |
@@ -24,7 +24,7 @@
 | 4.0.13 | [`收货地址把关与拒单可感知`](./杜康好客-v4.0.13-开发文档.md) | ✅ 已实现 |
 | 4.0.14 | [`HQ 概览粒度与环比`](./杜康好客-v4.0.14-开发文档.md) | ✅ 已实现 |
 | 4.0.15 | [`HQ 概览折线图`](./杜康好客-v4.0.15-开发文档.md) | ✅ 已实现 |
-| 4.0.18 | [`门店多收款账户 + 子账号继承二维码 + 财务银行账户总目录`](./杜康好客-v4.0.18-开发文档.md) | ✅ 已实现 |
+| 4.0.18 | [`子账号继承二维码 + 财务全部银行账户（结算资质）`](./杜康好客-v4.0.18-开发文档.md) | ✅ 已实现 |
 
 | 日期 | 说明 |
 |------|------|
@@ -38,7 +38,8 @@
 | 2026-09-02 | v4.0.13：收货禁「全市」；脏地址下单拦截；小飞侠超区/推单失败挂 `fulfillmentHold`（不做仓/收件坐标） |
 | 2026-09-02 | v4.0.14：HQ 概览日/周/月/季/年、环比；全局城市/时间 + 五板块筛；订单/核销笔数与金额 |
 | 2026-09-02 | v4.0.15：HQ 概览改为全宽折线图；去掉板块筛；查看快链只带全局城市与日期；活动图上传超限自动压缩并提示尺寸 |
-| 2026-09-07 | v4.0.18：C 端门店列表省市区县地址；门店多收款账户（默认账户打款、切换无需重启）；子账号独立继承码 + 子账号维度统计 |
+| 2026-09-07 | v4.0.18：C 端门店列表省市区县地址；子账号独立继承码 + 子账号维度统计 |
 | 2026-09-08 | v4.0.18 修订：C 端门店地址「省+市+区+详细地址」原样拼接，详细地址已含省市区时不去重 |
-| 2026-09-08 | v4.0.18 追加：HQ 财务银行账户总目录（聚合门店/酒厂/合伙人/物流有效账户；可新增不挂门店账户；筛选与 Excel/PDF 导出） |
+| 2026-09-08 | v4.0.18 追加：HQ 财务全部银行账户（聚合门店结算资质/酒厂/合伙人/物流有效账户；可新增不挂门店账户；筛选与 Excel/PDF 导出） |
+| 2026-09-08 | v4.0.18 再修订：撤销门店多收款账户；打款与财务门店行改读结算资质（结算户名/银行账号/开户银行） |
 | 2026-09-08 | HQ 合伙人详情关联码可下载裸二维码（与「下载活动图」分开）；C 端门店核销次数由系统设置开关控制 |
diff --git a/docs/杜康好客-v4.0.18-开发文档.md b/docs/杜康好客-v4.0.18-开发文档.md
index ffb4c8c..61504ee 100644
--- a/docs/杜康好客-v4.0.18-开发文档.md
+++ b/docs/杜康好客-v4.0.18-开发文档.md
@@ -1,9 +1,10 @@
 # 杜康好客 · v4.0.18 开发文档
 
 > **2026-09-07** · mini-user / store / settlement / iam / h5-shop / admin-web / h5-partner / shared-types / domain  
-> **主题**：C 端门店列表省市区县地址；门店多收款账户；子账号独立继承二维码；HQ 财务银行账户总目录  
+> **主题**：C 端门店列表省市区县地址；子账号独立继承二维码；HQ 财务全部银行账户目录  
 > **2026-09-08 修订**：门店列表地址按「省+市+区+详细地址」原样拼接，详细地址已含省市区时**不去重**  
-> **2026-09-08 追加**：HQ 财务「银行账户」总目录（聚合门店/酒厂/合伙人/物流 + 不挂门店的「其他」账户）
+> **2026-09-08 追加**：HQ 财务「全部银行账户」目录（聚合门店结算资质/酒厂/合伙人/物流 + 不挂门店的「其他」账户）  
+> **2026-09-08 再修订**：撤销门店多收款账户（`store_bank_account`）；打款与财务门店行均读门店详情「结算资质」主账号 `bank_account_*`
 
 ---
 
@@ -12,9 +13,9 @@
 | # | 任务 | 类型 | 交付 |
 |---|------|------|------|
 | 1 | C 端门店列表地址 | 需求 | 「省 + 市 + 区 + 详细地址」原样拼接展示（不去重）；搜索匹配完整地址 |
-| 2 | 门店多银行账号 | 需求 | 门店级收款账户列表；设「默认」账户用于打款；**切换无需重启** |
+| 2 | 门店打款账户 | 需求 | 打款读门店详情「结算资质」（结算户名 / 银行账号 / 开户银行）；**不**再维护独立收款账户列表 |
 | 3 | 子账号二维码 | 需求 | 子账号独立继承码 `sa_{subId}`；新增一级子账号维度统计 |
-| 4 | HQ 财务银行账户总目录 | 需求 | 财务菜单下列出有效账户；可新增不挂门店的「其他」账户；类型/备注/筛选/Excel+PDF 导出 |
+| 4 | HQ 财务全部银行账户 | 需求 | 财务菜单「全部银行账户」列出有效账户；门店行来自结算资质；可新增不挂门店的「其他」账户；类型/备注/筛选/Excel+PDF 导出 |
 
 **不做**：银行账号历史打款回刷；子账号佣金独立归属（佣金仍归主账号）；按承运商维度的收款账户；「其他」账户接入打款；本页改写门店/合伙人/酒厂/物流源字段。
 
@@ -42,13 +43,12 @@ C 端门店列表卡片「地址」一栏（门店详情页同规则）= **下
 
 搜索关键字同时匹配 `address` / `district` / 完整拼接结果。规则实现：`formatStoreDisplayAddress`（domain，后端地理编码同用）与 mini-user `fullStoreAddress`（列表/详情展示）。
 
-### 2.2 门店多银行账号
+### 2.2 门店打款账户（结算资质）
 
-- 表 `store_bank_account` 挂在 `storeId`：一门店多账户；`is_default=1` 为打款默认账户（每店至多一个）。
-- 迁移时按现有主账号银行字段（`StoreAccount.bank_account_name/no/branch`）为每店回填一条默认账户。
-- 打款/结算/提现导出统一读取**默认账户**（无默认则取第一个 ACTIVE；再退回旧主账号字段，兼容未迁移数据）。
-- **切换/新增/删除账户不需要重启服务器**：全仓无进程内缓存，`StoreAccount`/`PartnerAccount`/`FulfillmentProvider` 银行字段与酒厂 `system_config WINERY_BANK_*` 均每次请求实时查库。唯一「改后需重启」的是微信支付商户号 `WX_MCH_ID`（`system-config.registry.ts`，`requiresRestart: true`），属微信支付、非银行账号。
-- 权限：门店主账号可维护本店账户（子账号只读）；总部可维护任意门店账户。
+- **撤销**独立表 `store_bank_account` 与门店端/HQ「收款账户」维护页。一门店一行，取绑定主账号（`is_primary=1`）的 `bank_account_name` / `bank_account_no` / `bank_branch`；无主账号则取最早绑定账号。
+- 对应 HQ 门店详情页签「结算资质」：结算户名、银行账号、开户银行。
+- 打款/结算/提现/账单导出统一读上述字段（`loadStoreDefaultBank`），实时查库，改后无需重启。
+- 门店端不再提供收款账户入口；银行信息由总部在结算资质维护。
 
 ### 2.3 子账号继承二维码
 
@@ -68,45 +68,31 @@ flowchart LR
 - `getSummary`/`getStats`/`listUsers`/`listAssocOrders`：子账号调用时返回**自己维度**数据（`assocSubAccountId=子账号`）；`activityPosterId` 恒为空；主账号保持聚合行为不变。
 - 佣金仍归主账号，不因扫码来源为子账号而改变归属。
 
-### 2.4 HQ 财务银行账户总目录
+### 2.4 HQ 财务全部银行账户
 
-财务查阅与手工登记目录，**不改打款主数据**。打款仍读各业务源表（门店默认账户、合伙人主账号字段、承运商字段、酒厂 `WINERY_BANK_*`）。
+财务查阅与手工登记目录，**不改打款主数据**。打款仍读各业务源表（门店结算资质、合伙人主账号字段、承运商字段、酒厂 `WINERY_BANK_*`）。菜单名：**全部银行账户**。
 
-**有效账户**（同时满足才入列）：户名、银行账号均非空；来源状态为有效。
+**有效账户**（同时满足才入列）：结算户名、银行账号均非空；来源状态为有效。
 
 | 类型 | 数据源 | 有效条件 | 本页可写 |
 |------|--------|----------|----------|
-| 门店 | `store_bank_account` | `status=ACTIVE`；所有门店的全部有效账户（含非默认） | 仅备注 |
+| 门店 | 门店详情结算资质（主账号 `StoreAccount.bank_account_*`） | 户名+账号已填；一店一行 | 仅备注 |
 | 酒厂 | `system_config` `WINERY_BANK_*` | 户名+账号已填 | 仅备注 |
 | 合伙人 | `partner_account` | `status=ACTIVE`、主账号、户名+账号已填 | 仅备注 |
 | 物流 | `common_fulfillment_provider` | `status=ACTIVE`、户名+账号已填（仓无银行字段） | 仅备注 |
 | 其他 | `finance_bank_account` | `status=ACTIVE` | 增删改 |
 
-- 列表：类型、归属、城市、户名、银行账号、开户行、备注；门店另显示是否默认。
+- 列表：类型、归属（快链）、城市、结算户名、银行账号、开户银行、备注。归属快链：门店→详情「结算资质」；酒厂→系统设置「酒厂银行账户」；合伙人→城市合伙人详情；物流→仓配管理并打开该承运商；其他→本页编辑弹窗。
 - **新增不关联门店** = 类型「其他」，不进入提现/账单打款/酒厂/物流对账。
-- 来源账户户名/账号/开户行仍在原处改；本页只读这些字段。备注：其他写本表；来源写 overlay 表 `finance_bank_account_note`。
-- 筛选：类型、城市、关键字（户名/账号/开户行/归属名/备注）。导出按当前筛选全量 Excel / PDF。
+- 来源账户字段仍在原处改；本页只读这些字段。备注：其他写本表；来源写 overlay 表 `finance_bank_account_note`（门店 `sourceId` = `storeId`）。
+- 筛选：类型、城市、关键字（户名/账号/开户银行/归属名/备注）。导出按当前筛选全量 Excel / PDF。
 - 权限：HQ `finance`。
 
 ---
 
 ## 3. API
 
-### 3.1 门店收款账户（store 模块）
-
-| 方法 | 路径 | Guard | 说明 |
-|------|------|-------|------|
-| GET | `/shop/store/bank-accounts` | 门店 | 本店账户列表 |
-| POST | `/shop/store/bank-accounts` | 门店主账号 | 新增账户（首条自动默认） |
-| PUT | `/shop/store/bank-accounts/:id` | 门店主账号 | 编辑账户 |
-| DELETE | `/shop/store/bank-accounts/:id` | 门店主账号 | 删除（默认账户不可删） |
-| POST | `/shop/store/bank-accounts/:id/default` | 门店主账号 | 设为默认 |
-| GET | `/admin/stores/:storeId/bank-accounts` | HQ | 指定门店账户列表 |
-| POST / PUT / DELETE / POST `:id/default` | `/admin/stores/:storeId/bank-accounts` | HQ | 总部维护 |
-
-入参：`{ bankAccountName, bankAccountNo, bankBranch? }`；`bankAccountNo` 校验 `^\d{8,32}$`。
-
-### 3.2 关联码（store 模块）
+### 3.1 关联码（store 模块）
 
 - `POST /user/partner-assoc/touch`：scene 支持 `pa_{id}` 与 `sa_{subId}`；`sa_` 对子账号行计数，返回 `{ partnerId, subAccountId, scanCounted, scanCount }`。
 - `POST /user/partner-assoc/bind`：scene 支持 `sa_`；返回 `{ bound, alreadyBound, partnerId, subAccountId, partnerName }`。
@@ -114,7 +100,7 @@ flowchart LR
 - `GET /partner/assoc/stats`、`GET /partner/assoc/users`、`GET /partner/assoc/orders`：子账号返回自己维度。
 - `GET /partner/assoc/qrcode`：子账号下载自己的码。
 
-### 3.3 财务银行账户总目录（settlement 模块）
+### 3.2 财务全部银行账户（settlement 模块）
 
 | 方法 | 路径 | Guard | 说明 |
 |------|------|-------|------|
@@ -125,7 +111,7 @@ flowchart LR
 | DELETE | `/admin/finance/bank-accounts/other/:id` | HQ `finance` | 删除「其他」 |
 | PUT | `/admin/finance/bank-accounts/:id/remark` | HQ `finance` | 任意类型写备注；`id` 为复合键 |
 
-行 `id`：`STORE:{storeBankAccountId}` / `PARTNER:{partnerId}` / `LOGISTICS:{providerId}` / `WINERY:winery` / `OTHER:{id}`。`bankAccountNo` 校验 `^\d{8,32}$`。
+行 `id`：`STORE:{storeId}` / `PARTNER:{partnerId}` / `LOGISTICS:{providerId}` / `WINERY:winery` / `OTHER:{id}`。`bankAccountNo` 校验 `^\d{8,32}$`（「其他」入参）。
 
 ---
 
@@ -133,16 +119,16 @@ flowchart LR
 
 | 层 | 路径 |
 |----|------|
-| Prisma | `schema.prisma`（新增 `StoreBankAccount`、`FinanceBankAccount`、`FinanceBankAccountNote`；`User.assocSubAccountId`） |
-| 迁移 | `migrate-store-bank-account-v4018.sql`、`migrate-user-assoc-sub-account-v4018.sql`、`migrate-finance-bank-account-v4018.sql` |
+| Prisma | `schema.prisma`（`FinanceBankAccount`、`FinanceBankAccountNote`；`User.assocSubAccountId`；**已删除** `StoreBankAccount`） |
+| 迁移 | `migrate-user-assoc-sub-account-v4018.sql`、`migrate-finance-bank-account-v4018.sql`、`migrate-drop-store-bank-account-v4018.sql`（历史 `migrate-store-bank-account-v4018.sql` 仅作曾上线回填） |
 | domain | `store-address.ts`（`formatStoreDisplayAddress`：省+市+区+详细地址原样拼接，不去重） |
-| shared-types | `settlement.ts`（`StoreBankAccountDto`、`FinanceBankAccountDto`）；`hq-list-columns.ts`（`finance-bank-accounts`）；`partner-assoc.ts`（summary/touch/bind 增 `subAccountId`/`isSubAccount`） |
-| API store | `store-bank.service.ts`、`store-bank.controller.ts`（新增）；`store.module.ts`；`store-bank.util.ts`（`loadStoreBankAccounts`/`loadStoreDefaultBank`）；`partner-assoc.service.ts`（`sa_` 解析/生成/touch/bind/统计）；`store.service.ts`（地理编码地址与 C 端同规则拼接） |
-| API settlement | `settlement.service.ts`（summary/withdraw/admin-withdrawal/export 改读默认账户）；`finance-bank-account.service.ts`、`finance-bank-export.util.ts`（财务银行账户总目录） |
-| API ops | `admin-redeem.service.ts`（默认账户） |
+| shared-types | `settlement.ts`（`FinanceBankAccountDto`）；`hq-list-columns.ts`（`finance-bank-accounts`）；`partner-assoc.ts`（summary/touch/bind 增 `subAccountId`/`isSubAccount`） |
+| API store | `store-bank.util.ts`（`loadStoreDefaultBank` 读结算资质主账号）；`partner-assoc.service.ts`（`sa_` 解析/生成/touch/bind/统计）；`store.service.ts`（地理编码地址与 C 端同规则拼接） |
+| API settlement | `settlement.service.ts`（summary/withdraw/admin-withdrawal/export 读结算资质）；`finance-bank-account.service.ts`、`finance-bank-export.util.ts`（财务全部银行账户） |
+| API ops | `admin-redeem.service.ts`（结算资质银行字段） |
 | mini-user | `stores/index.tsx`、`store-detail/index.tsx`、`lib/store-display.ts`（`fullStoreAddress`）、`lib/promo.ts`（放行 `sa_`） |
-| h5-shop | `BankAccountsPage.tsx`（新增）、`App.tsx`、`MinePage.tsx`、`styles.css` |
-| admin-web | `StoreBankAccountsPanel.tsx`（新增）、`StoresPage.tsx`（收款账户页签）；`BankAccountsPage.tsx`（财务银行账户总目录） |
+| h5-shop | 已删除收款账户页；`MinePage.tsx` 去掉入口 |
+| admin-web | `StoresPage.tsx` 结算资质；`BankAccountsPage.tsx`（财务全部银行账户）；已删除收款账户页签 |
 | h5-partner | `AssocQrcodePage.tsx`、`UsersManagePage.tsx`（子账号提示） |
 
 ---
@@ -150,11 +136,10 @@ flowchart LR
 ## 5. 验收
 
 - [ ] C 端门店列表地址 = 省+市+区+详细地址原文；详细地址已含省市区时仍重复拼接（例：金水东路333号 → `河南省郑州市金水区金水东路333号`；详细地址写全称 → `河南省郑州市金水区河南省郑州市金水区金水东路333号`）；空值回退「地址待完善」；搜索「省/市/区县」关键词可命中
-- [ ] 门店可新增/编辑/删除/设默认收款账户；默认账户用于提现打款与账单导出
-- [ ] 切换默认账户后（无需重启）提现 summary 与打款信息即时生效
+- [ ] 门店无独立收款账户页；打款/提现/账单导出读结算资质（结算户名、银行账号、开户银行）；改后无需重启即时生效
 - [ ] 子账号可生成并下载自己的二维码（scene `sa_{subId}`），与主账号 `pa_{id}` 不冲突
 - [ ] 扫子账号码：用户仍锁定主账号（佣金归主账号），并写入 `assoc_sub_account_id`
 - [ ] 子账号用户管理/关联码页展示自己维度的已扫码/已关联/订单统计；主账号聚合 own+children 不变
 - [ ] 主账号码扫码：`assoc_sub_account_id` 为空，行为与 v4.0.9 一致
-- [ ] HQ 财务菜单「银行账户」：列出全部有效门店账户（含非默认）+ 有效酒厂/主合伙人/承运商账户；可新增不挂门店账户；类型/城市/关键字筛选；Excel 与 PDF 导出与筛选一致；备注可写；来源账户改后刷新即更新
+- [ ] HQ 财务菜单「全部银行账户」：门店行来自结算资质（一店一行）+ 有效酒厂/主合伙人/承运商账户；可新增不挂门店账户；类型/城市/关键字筛选；Excel 与 PDF 导出与筛选一致；备注可写；结算资质改后刷新即更新
 - [ ] shared-types 构建通过；相关 lint/单测过
diff --git a/packages/shared-types/src/settlement.ts b/packages/shared-types/src/settlement.ts
index 59bf2c9..fb3b146 100644
--- a/packages/shared-types/src/settlement.ts
+++ b/packages/shared-types/src/settlement.ts
@@ -55,26 +55,7 @@ export interface StoreWithdrawBankAccountDto {
   bankBranch?: string | null;
 }
 
-/** 门店收款银行账户（v4.0.18 多账户） */
-export interface StoreBankAccountDto {
-  id: string;
-  storeId: string;
-  bankAccountName: string;
-  bankAccountNo: string;
-  bankBranch?: string | null;
-  isDefault: boolean;
-  status: 'ACTIVE' | 'DISABLED';
-  sortOrder?: number;
-}
-
-/** 门店收款银行账户新增/编辑入参 */
-export interface StoreBankAccountInputDto {
-  bankAccountName: string;
-  bankAccountNo: string;
-  bankBranch?: string;
-}
-
-/** HQ 财务银行账户总目录类型（v4.0.18） */
+/** HQ 财务全部银行账户目录类型（v4.0.18） */
 export const FINANCE_BANK_ACCOUNT_TYPES = ['STORE', 'WINERY', 'PARTNER', 'LOGISTICS', 'OTHER'] as const;
 export type FinanceBankAccountType = (typeof FINANCE_BANK_ACCOUNT_TYPES)[number];
 
@@ -97,7 +78,6 @@ export interface FinanceBankAccountDto {
   bankAccountNo: string;
   bankBranch?: string | null;
   remark?: string | null;
-  isDefault?: boolean;
   editable: boolean;
 }
 
diff --git a/server/dukang-api/prisma/migrate-drop-store-bank-account-v4018.sql b/server/dukang-api/prisma/migrate-drop-store-bank-account-v4018.sql
new file mode 100644
index 0000000..b38210f
--- /dev/null
+++ b/server/dukang-api/prisma/migrate-drop-store-bank-account-v4018.sql
@@ -0,0 +1,5 @@
+-- v4.0.18 修订：撤销门店多收款账户，打款改回门店结算资质（主账号 bank_account_*）
+-- 财务目录门店行改用 storeId，旧 STORE 备注按 store_bank_account.id 已失效
+
+DROP TABLE IF EXISTS `store_bank_account`;
+DELETE FROM `finance_bank_account_note` WHERE `owner_type` = 'STORE';
diff --git a/server/dukang-api/prisma/schema.prisma b/server/dukang-api/prisma/schema.prisma
index d7a156c..bf29ea7 100644
--- a/server/dukang-api/prisma/schema.prisma
+++ b/server/dukang-api/prisma/schema.prisma
@@ -1609,7 +1609,6 @@ model Store {
   packageChangeRequests StorePackageChangeRequest[]
   infoChangeRequests    StoreInfoChangeRequest[]
   categoryLinks        StoreCategoryLink[]
-  bankAccounts         StoreBankAccount[]
 
   @@index([cityId, status])
   @@index([partnerAccountId])
@@ -1619,25 +1618,6 @@ model Store {
   @@map("store_store")
 }
 
-/// 门店收款银行账户（一个门店可维护多个，is_default 为打款默认账户）
-model StoreBankAccount {
-  id              BigInt        @id @default(autoincrement()) @db.UnsignedBigInt
-  storeId         BigInt        @map("store_id") @db.UnsignedBigInt
-  bankAccountName String        @map("bank_account_name") @db.VarChar(64)
-  bankAccountNo   String        @map("bank_account_no") @db.VarChar(32)
-  bankBranch      String?       @map("bank_branch") @db.VarChar(128)
-  isDefault       Int           @default(0) @map("is_default") @db.TinyInt
-  status          AccountStatus @default(ACTIVE)
-  sortOrder       Int           @default(0) @map("sort_order")
-  createdAt       DateTime      @default(now()) @map("created_at") @db.DateTime(3)
-  updatedAt       DateTime      @updatedAt @map("updated_at") @db.DateTime(3)
-
-  store Store @relation(fields: [storeId], references: [id], onDelete: Cascade)
-
-  @@index([storeId, status])
-  @@map("store_bank_account")
-}
-
 /// Store visibility whitelist phones (match by bound user phone)
 model StoreVisibilityPhone {
   id        BigInt   @id @default(autoincrement()) @db.UnsignedBigInt
diff --git a/server/dukang-api/src/common/store/store-bank.util.ts b/server/dukang-api/src/common/store/store-bank.util.ts
index c213fde..e0922cd 100644
--- a/server/dukang-api/src/common/store/store-bank.util.ts
+++ b/server/dukang-api/src/common/store/store-bank.util.ts
@@ -6,55 +6,10 @@ export type StoreBankAccountSnapshot = {
   bankBranch: string | null;
 };
 
-export type StoreBankAccountRow = StoreBankAccountSnapshot & {
-  id: bigint;
-  storeId: bigint;
-  isDefault: boolean;
-  status: string;
-  sortOrder: number;
-};
-
-/** 门店收款账户列表（默认账户优先，其次 sortOrder/创建顺序） */
-export async function loadStoreBankAccounts(
-  prisma: PrismaClient,
-  storeId: bigint,
-): Promise<StoreBankAccountRow[]> {
-  const rows = await prisma.storeBankAccount.findMany({
-    where: { storeId, status: 'ACTIVE' },
-    orderBy: [{ isDefault: 'desc' }, { sortOrder: 'asc' }, { id: 'asc' }],
-  });
-  return rows.map((r) => ({
-    id: r.id,
-    storeId: r.storeId,
-    bankAccountName: r.bankAccountName,
-    bankAccountNo: r.bankAccountNo,
-    bankBranch: r.bankBranch,
-    isDefault: r.isDefault === 1,
-    status: r.status,
-    sortOrder: r.sortOrder,
-  }));
-}
-
 /**
- * 门店默认收款账户：优先 is_default=1；否则第一个 ACTIVE；再退回旧主账号字段（兼容未迁移数据）。
- * 返回 null 表示无收款账户。
+ * 门店结算资质银行账户：主账号（is_primary=1）字段；无主账号则取最早绑定账号。
+ * 来源为门店详情「结算资质」（StoreAccount.bank_account_*），实时查库。
  */
-export async function loadStoreDefaultBank(
-  prisma: PrismaClient,
-  storeId: bigint,
-): Promise<StoreBankAccountSnapshot | null> {
-  const accounts = await loadStoreBankAccounts(prisma, storeId);
-  if (accounts.length) {
-    const def = accounts.find((a) => a.isDefault) ?? accounts[0];
-    return {
-      bankAccountName: def.bankAccountName,
-      bankAccountNo: def.bankAccountNo,
-      bankBranch: def.bankBranch,
-    };
-  }
-  return loadStorePrimaryBank(prisma, storeId);
-}
-
 export async function loadStorePrimaryBank(
   prisma: PrismaClient,
   storeId: bigint,
@@ -80,6 +35,14 @@ export async function loadStorePrimaryBank(
   return fallback?.storeAccount ?? null;
 }
 
+/** 打款/提现读结算资质（主账号银行字段） */
+export async function loadStoreDefaultBank(
+  prisma: PrismaClient,
+  storeId: bigint,
+): Promise<StoreBankAccountSnapshot | null> {
+  return loadStorePrimaryBank(prisma, storeId);
+}
+
 export async function loadStorePrimaryBanksMap(
   prisma: PrismaClient,
   storeIds: bigint[],
@@ -87,49 +50,28 @@ export async function loadStorePrimaryBanksMap(
   const map = new Map<string, StoreBankAccountSnapshot>();
   if (!storeIds.length) return map;
 
-  // 优先从门店多账户表读取默认账户
-  const accounts = await prisma.storeBankAccount.findMany({
-    where: { storeId: { in: storeIds }, status: 'ACTIVE' },
-    orderBy: [{ storeId: 'asc' }, { isDefault: 'desc' }, { sortOrder: 'asc' }, { id: 'asc' }],
-  });
-  const seenStoreIds = new Set<string>();
-  for (const a of accounts) {
-    const key = String(a.storeId);
-    if (map.has(key)) continue;
-    map.set(key, {
-      bankAccountName: a.bankAccountName,
-      bankAccountNo: a.bankAccountNo,
-      bankBranch: a.bankBranch,
-    });
-    seenStoreIds.add(key);
-  }
-
-  // 未迁移/无多账户的门店，回退旧主账号字段
-  const missingIds = storeIds.filter((id) => !seenStoreIds.has(String(id)));
-  if (missingIds.length) {
-    const bindings = await prisma.storeAccountStore.findMany({
-      where: { storeId: { in: missingIds } },
-      include: {
-        storeAccount: {
-          select: {
-            isPrimary: true,
-            bankAccountName: true,
-            bankAccountNo: true,
-            bankBranch: true,
-          },
+  const bindings = await prisma.storeAccountStore.findMany({
+    where: { storeId: { in: storeIds } },
+    include: {
+      storeAccount: {
+        select: {
+          isPrimary: true,
+          bankAccountName: true,
+          bankAccountNo: true,
+          bankBranch: true,
         },
       },
-      orderBy: [{ storeAccount: { isPrimary: 'desc' } }, { storeAccountId: 'asc' }],
+    },
+    orderBy: [{ storeAccount: { isPrimary: 'desc' } }, { storeAccountId: 'asc' }],
+  });
+  for (const binding of bindings) {
+    const key = String(binding.storeId);
+    if (map.has(key)) continue;
+    map.set(key, {
+      bankAccountName: binding.storeAccount.bankAccountName,
+      bankAccountNo: binding.storeAccount.bankAccountNo,
+      bankBranch: binding.storeAccount.bankBranch,
     });
-    for (const binding of bindings) {
-      const key = String(binding.storeId);
-      if (map.has(key)) continue;
-      map.set(key, {
-        bankAccountName: binding.storeAccount.bankAccountName,
-        bankAccountNo: binding.storeAccount.bankAccountNo,
-        bankBranch: binding.storeAccount.bankBranch,
-      });
-    }
   }
   return map;
 }
diff --git a/server/dukang-api/src/modules/settlement/finance-bank-account.service.ts b/server/dukang-api/src/modules/settlement/finance-bank-account.service.ts
index bffa0b5..dd6a396 100644
--- a/server/dukang-api/src/modules/settlement/finance-bank-account.service.ts
+++ b/server/dukang-api/src/modules/settlement/finance-bank-account.service.ts
@@ -161,11 +161,20 @@ export class FinanceBankAccountService {
   }
 
   private async collectAll(): Promise<FinanceBankAccountDto[]> {
-    const [storeRows, partnerRows, logisticsRows, otherRows, notes, winery] = await Promise.all([
-      this.prisma.storeBankAccount.findMany({
-        where: { status: 'ACTIVE' },
-        include: { store: { select: { id: true, name: true, cityId: true, cityName: true } } },
-        orderBy: { id: 'asc' },
+    const [storeBindings, partnerRows, logisticsRows, otherRows, notes, winery] = await Promise.all([
+      this.prisma.storeAccountStore.findMany({
+        include: {
+          store: { select: { id: true, name: true, cityId: true, cityName: true } },
+          storeAccount: {
+            select: {
+              isPrimary: true,
+              bankAccountName: true,
+              bankAccountNo: true,
+              bankBranch: true,
+            },
+          },
+        },
+        orderBy: [{ storeAccount: { isPrimary: 'desc' } }, { storeAccountId: 'asc' }],
       }),
       this.prisma.partnerAccount.findMany({
         where: { status: 'ACTIVE', parentAccountId: null, isPrimary: 1 },
@@ -202,23 +211,25 @@ export class FinanceBankAccountService {
 
     const items: FinanceBankAccountDto[] = [];
 
-    for (const row of storeRows) {
-      const name = row.bankAccountName.trim();
-      const no = row.bankAccountNo.replace(/\s+/g, '');
+    const seenStores = new Set<string>();
+    for (const binding of storeBindings) {
+      const sourceId = binding.store.id.toString();
+      if (seenStores.has(sourceId)) continue;
+      seenStores.add(sourceId);
+      const name = binding.storeAccount.bankAccountName?.trim() ?? '';
+      const no = binding.storeAccount.bankAccountNo?.replace(/\s+/g, '') ?? '';
       if (!name || !no) continue;
-      const sourceId = row.id.toString();
       items.push({
         id: `STORE:${sourceId}`,
         type: 'STORE',
-        ownerName: row.store.name,
-        ownerId: row.store.id.toString(),
-        cityId: row.store.cityId.toString(),
-        cityName: row.store.cityName,
+        ownerName: binding.store.name,
+        ownerId: sourceId,
+        cityId: binding.store.cityId.toString(),
+        cityName: binding.store.cityName,
         bankAccountName: name,
         bankAccountNo: no,
-        bankBranch: row.bankBranch,
+        bankBranch: binding.storeAccount.bankBranch,
         remark: noteMap.get(`STORE:${sourceId}`) ?? null,
-        isDefault: row.isDefault === 1,
         editable: false,
       });
     }
diff --git a/server/dukang-api/src/modules/settlement/finance-bank-export.util.ts b/server/dukang-api/src/modules/settlement/finance-bank-export.util.ts
index 47456eb..95c8a9a 100644
--- a/server/dukang-api/src/modules/settlement/finance-bank-export.util.ts
+++ b/server/dukang-api/src/modules/settlement/finance-bank-export.util.ts
@@ -32,10 +32,9 @@ function columnDefs(): ExportColumnDef<FinanceBankAccountDto>[] {
     { key: 'type', header: '类型', value: (r) => FINANCE_BANK_ACCOUNT_TYPE_LABELS[r.type] },
     { key: 'ownerName', header: '归属', value: (r) => r.ownerName },
     { key: 'cityName', header: '城市', value: (r) => r.cityName ?? '' },
-    { key: 'bankAccountName', header: '户名', value: (r) => r.bankAccountName },
+    { key: 'bankAccountName', header: '结算户名', value: (r) => r.bankAccountName },
     { key: 'bankAccountNo', header: '银行账号', value: (r) => r.bankAccountNo },
-    { key: 'bankBranch', header: '开户行', value: (r) => r.bankBranch ?? '' },
-    { key: 'isDefault', header: '默认', value: (r) => (r.type === 'STORE' ? (r.isDefault ? '是' : '否') : '') },
+    { key: 'bankBranch', header: '开户银行', value: (r) => r.bankBranch ?? '' },
     { key: 'remark', header: '备注', value: (r) => r.remark ?? '' },
   ];
 }
@@ -43,7 +42,7 @@ function columnDefs(): ExportColumnDef<FinanceBankAccountDto>[] {
 export async function buildFinanceBankAccountsXlsx(rows: FinanceBankAccountDto[]): Promise<Buffer> {
   const cols = pickExportColumns(columnDefs());
   const workbook = new ExcelJS.Workbook();
-  const sheet = workbook.addWorksheet('银行账户');
+  const sheet = workbook.addWorksheet('全部银行账户');
   sheet.addRow(cols.map((c) => c.header));
   for (const row of rows) {
     sheet.addRow(cols.map((c) => c.value(row)));
@@ -66,7 +65,7 @@ export async function buildFinanceBankAccountsPdf(rows: FinanceBankAccountDto[])
     doc.on('end', () => resolve(Buffer.concat(chunks)));
     doc.on('error', reject);
     doc.font(fontPath);
-    doc.fontSize(12).text('银行账户');
+    doc.fontSize(12).text('全部银行账户');
     doc.moveDown(0.4);
     doc.fontSize(9).text(cols.map((c) => c.header).join(' | '));
     doc.moveDown(0.3);
@@ -79,5 +78,5 @@ export async function buildFinanceBankAccountsPdf(rows: FinanceBankAccountDto[])
 
 export function buildFinanceBankExportFilename(format: 'xlsx' | 'pdf', count: number): string {
   const stamp = new Date().toISOString().slice(0, 10);
-  return `银行账户_${stamp}_${count}.${format}`;
+  return `全部银行账户_${stamp}_${count}.${format}`;
 }
diff --git a/server/dukang-api/src/modules/store/store-bank.controller.ts b/server/dukang-api/src/modules/store/store-bank.controller.ts
deleted file mode 100644
index 7808998..0000000
--- a/server/dukang-api/src/modules/store/store-bank.controller.ts
+++ /dev/null
@@ -1,93 +0,0 @@
-import { Body, Controller, Delete, Get, Param, Post, Put, UseGuards } from '@nestjs/common';
-import { IsNotEmpty, IsOptional, IsString, MaxLength } from 'class-validator';
-import { JwtAuthGuard, AuthUser } from '../../common/guards/jwt-auth.guard';
-import { ShopStoreGuard } from '../../common/guards/shop-store.guard';
-import { ShopPrimaryGuard } from '../../common/guards/shop-primary.guard';
-import { HqAuthGuard } from '../../common/guards/hq-auth.guard';
-import { CurrentUser } from '../../common/decorators/current-user.decorator';
-import { StoreBankService } from './store-bank.service';
-
-class StoreBankDto {
-  @IsString()
-  @IsNotEmpty({ message: '请填写收款人' })
-  @MaxLength(64)
-  bankAccountName!: string;
-
-  @IsString()
-  @IsNotEmpty({ message: '请填写银行账号' })
-  @MaxLength(32)
-  bankAccountNo!: string;
-
-  @IsOptional()
-  @IsString()
-  @MaxLength(128)
-  bankBranch?: string;
-}
-
-/** 门店端：主账号管理本店收款账户（子账号只读） */
-@Controller('shop/store/bank-accounts')
-@UseGuards(JwtAuthGuard, ShopStoreGuard)
-export class ShopStoreBankController {
-  constructor(private readonly storeBankService: StoreBankService) {}
-
-  @Get()
-  list(@CurrentUser() user: AuthUser) {
-    return this.storeBankService.list(user.storeId!);
-  }
-
-  @Post()
-  @UseGuards(ShopPrimaryGuard)
-  create(@CurrentUser() user: AuthUser, @Body() dto: StoreBankDto) {
-    return this.storeBankService.create(user.storeId!, dto);
-  }
-
-  @Put(':id')
-  @UseGuards(ShopPrimaryGuard)
-  update(@CurrentUser() user: AuthUser, @Param('id') id: string, @Body() dto: StoreBankDto) {
-    return this.storeBankService.update(user.storeId!, BigInt(id), dto);
-  }
-
-  @Delete(':id')
-  @UseGuards(ShopPrimaryGuard)
-  remove(@CurrentUser() user: AuthUser, @Param('id') id: string) {
-    return this.storeBankService.remove(user.storeId!, BigInt(id));
-  }
-
-  @Post(':id/default')
-  @UseGuards(ShopPrimaryGuard)
-  setDefault(@CurrentUser() user: AuthUser, @Param('id') id: string) {
-    return this.storeBankService.setDefault(user.storeId!, BigInt(id));
-  }
-}
-
-/** 总部端：管理指定门店的收款账户 */
-@Controller('admin/stores/:storeId/bank-accounts')
-@UseGuards(HqAuthGuard)
-export class AdminStoreBankController {
-  constructor(private readonly storeBankService: StoreBankService) {}
-
-  @Get()
-  list(@Param('storeId') storeId: string) {
-    return this.storeBankService.list(BigInt(storeId));
-  }
-
-  @Post()
-  create(@Param('storeId') storeId: string, @Body() dto: StoreBankDto) {
-    return this.storeBankService.create(BigInt(storeId), dto);
-  }
-
-  @Put(':id')
-  update(@Param('storeId') storeId: string, @Param('id') id: string, @Body() dto: StoreBankDto) {
-    return this.storeBankService.update(BigInt(storeId), BigInt(id), dto);
-  }
-
-  @Delete(':id')
-  remove(@Param('storeId') storeId: string, @Param('id') id: string) {
-    return this.storeBankService.remove(BigInt(storeId), BigInt(id));
-  }
-
-  @Post(':id/default')
-  setDefault(@Param('storeId') storeId: string, @Param('id') id: string) {
-    return this.storeBankService.setDefault(BigInt(storeId), BigInt(id));
-  }
-}
diff --git a/server/dukang-api/src/modules/store/store-bank.service.ts b/server/dukang-api/src/modules/store/store-bank.service.ts
deleted file mode 100644
index 2a4d40d..0000000
--- a/server/dukang-api/src/modules/store/store-bank.service.ts
+++ /dev/null
@@ -1,121 +0,0 @@
-import { BadRequestException, ForbiddenException, Injectable, NotFoundException } from '@nestjs/common';
-import { PrismaService } from '../../common/prisma/prisma.module';
-
-export interface StoreBankInput {
-  bankAccountName?: string;
-  bankAccountNo?: string;
-  bankBranch?: string;
-}
-
-const BANK_NO_RE = /^\d{8,32}$/;
-
-@Injectable()
-export class StoreBankService {
-  constructor(private readonly prisma: PrismaService) {}
-
-  private serialize(row: {
-    id: bigint;
-    storeId: bigint;
-    bankAccountName: string;
-    bankAccountNo: string;
-    bankBranch: string | null;
-    isDefault: number;
-    status: string;
-    sortOrder: number;
-  }) {
-    return {
-      id: row.id.toString(),
-      storeId: row.storeId.toString(),
-      bankAccountName: row.bankAccountName,
-      bankAccountNo: row.bankAccountNo,
-      bankBranch: row.bankBranch,
-      isDefault: row.isDefault === 1,
-      status: row.status,
-      sortOrder: row.sortOrder,
-    };
-  }
-
-  private normalize(dto: StoreBankInput) {
-    const bankAccountName = dto.bankAccountName?.trim() ?? '';
-    const bankAccountNo = dto.bankAccountNo?.replace(/\s+/g, '') ?? '';
-    const bankBranch = dto.bankBranch?.trim() || null;
-    if (!bankAccountName) throw new BadRequestException('请填写收款人');
-    if (!BANK_NO_RE.test(bankAccountNo)) throw new BadRequestException('请填写正确的银行账号');
-    return { bankAccountName, bankAccountNo, bankBranch };
-  }
-
-  async list(storeId: bigint) {
-    const rows = await this.prisma.storeBankAccount.findMany({
-      where: { storeId },
-      orderBy: [{ isDefault: 'desc' }, { sortOrder: 'asc' }, { id: 'asc' }],
-    });
-    return rows.map((r) => this.serialize(r));
-  }
-
-  async create(storeId: bigint, dto: StoreBankInput) {
-    const data = this.normalize(dto);
-    const count = await this.prisma.storeBankAccount.count({
-      where: { storeId, status: 'ACTIVE' },
-    });
-    const created = await this.prisma.storeBankAccount.create({
-      data: {
-        storeId,
-        bankAccountName: data.bankAccountName,
-        bankAccountNo: data.bankAccountNo,
-        bankBranch: data.bankBranch,
-        isDefault: count === 0 ? 1 : 0,
-        status: 'ACTIVE',
-        sortOrder: count,
-      },
-    });
-    return this.serialize(created);
-  }
-
-  async update(storeId: bigint, accountId: bigint, dto: StoreBankInput) {
-    const account = await this.findAccount(storeId, accountId);
-    const data = this.normalize(dto);
-    const updated = await this.prisma.storeBankAccount.update({
-      where: { id: account.id },
-      data: {
-        bankAccountName: data.bankAccountName,
-        bankAccountNo: data.bankAccountNo,
-        bankBranch: data.bankBranch,
-      },
-    });
-    return this.serialize(updated);
-  }
-
-  async remove(storeId: bigint, accountId: bigint) {
-    const account = await this.findAccount(storeId, accountId);
-    if (account.isDefault === 1) {
-      throw new BadRequestException('请先取消默认账户再删除');
-    }
-    await this.prisma.storeBankAccount.delete({ where: { id: account.id } });
-    return { ok: true };
-  }
-
-  async setDefault(storeId: bigint, accountId: bigint) {
-    const account = await this.findAccount(storeId, accountId);
-    if (account.isDefault === 1) return this.serialize(account);
-    await this.prisma.$transaction([
-      this.prisma.storeBankAccount.updateMany({
-        where: { storeId },
-        data: { isDefault: 0 },
-      }),
-      this.prisma.storeBankAccount.update({
-        where: { id: account.id },
-        data: { isDefault: 1, status: 'ACTIVE' },
-      }),
-    ]);
-    const updated = await this.findAccount(storeId, accountId);
-    return this.serialize(updated);
-  }
-
-  private async findAccount(storeId: bigint, accountId: bigint) {
-    const account = await this.prisma.storeBankAccount.findFirst({
-      where: { id: accountId, storeId },
-    });
-    if (!account) throw new NotFoundException('收款账户不存在');
-    return account;
-  }
-}
diff --git a/server/dukang-api/src/modules/store/store.module.ts b/server/dukang-api/src/modules/store/store.module.ts
index 8e5a85a..908a9ad 100644
--- a/server/dukang-api/src/modules/store/store.module.ts
+++ b/server/dukang-api/src/modules/store/store.module.ts
@@ -31,8 +31,6 @@ import {
 } from './store-info-change.controller';
 import { StoreInfoChangeService } from './store-info-change.service';
 import { PartnerAssocService } from './partner-assoc.service';
-import { StoreBankService } from './store-bank.service';
-import { AdminStoreBankController, ShopStoreBankController } from './store-bank.controller';
 import {
   PartnerAssocController,
   PartnerCommissionController,
@@ -69,10 +67,8 @@ import {
     UserPartnerAssocController,
     PartnerAssocController,
     PartnerCommissionController,
-    ShopStoreBankController,
-    AdminStoreBankController,
   ],
-  providers: [StoreService, StoreCategoryService, StorePackageService, StoreInfoChangeService, PartnerAssocService, StoreBankService],
-  exports: [StoreService, StoreCategoryService, StorePackageService, PartnerAssocService, StoreBankService],
+  providers: [StoreService, StoreCategoryService, StorePackageService, StoreInfoChangeService, PartnerAssocService],
+  exports: [StoreService, StoreCategoryService, StorePackageService, PartnerAssocService],
 })
 export class StoreModule {}