diff --git a/frontend/src/api/emailBill.ts b/frontend/src/api/emailBill.ts
new file mode 100644
index 0000000..0a39877
--- /dev/null
+++ b/frontend/src/api/emailBill.ts
@@ -0,0 +1,191 @@
+// 邮箱账单相关 API：IMAP 配置、发件人规则与待处理账单的解析导入
+import request from './request'
+import type { BillType, ParsedBillRow, BillImportItem } from './transaction'
+
+/** 邮箱配置 */
+export interface EmailBillConfig {
+  id: number
+  name: string
+  host: string
+  port: number
+  ssl: boolean
+  username: string
+  hasPassword: boolean
+  folder: string
+  enabled: boolean
+  status: string
+  lastError: string | null
+  lastConnectedAt: string | null
+  lastUid: number | null
+  expenseCategoryId: number | null
+  incomeCategoryId: number | null
+  tagIds: number[]
+  fetchScope: string
+  fetchLimit: number | null
+  createdAt: string
+  updatedAt: string
+}
+
+/** 发件人识别规则 */
+export interface EmailBillSenderRule {
+  id: number
+  name: string
+  enabled: boolean
+  sortOrder: number
+  senderPatterns: string[]
+  billType: BillType
+  archivePassword: string | null
+  expenseCategoryId: number | null
+  incomeCategoryId: number | null
+  tagIds: number[]
+  createdAt: string
+  updatedAt: string
+}
+
+/** 待处理账单消息 */
+export interface EmailBillMessage {
+  id: number
+  configId: number
+  uid: number
+  subject: string | null
+  fromAddress: string | null
+  receivedAt: string | null
+  attachmentName: string | null
+  billType: BillType | null
+  status: string
+  error: string | null
+  createdAt: string
+}
+
+/** 邮箱配置保存请求 */
+export interface EmailBillConfigPayload {
+  name: string
+  host: string
+  port: number
+  ssl: boolean
+  username: string
+  password?: string
+  folder: string
+  enabled: boolean
+  expenseCategoryId?: number | null
+  incomeCategoryId?: number | null
+  tagIds?: number[]
+  fetchScope?: string
+  fetchLimit?: number | null
+}
+
+/** 发件人规则保存请求 */
+export interface EmailBillSenderRulePayload {
+  name: string
+  enabled: boolean
+  sortOrder: number
+  senderPatterns: string[]
+  billType: BillType
+  archivePassword?: string | null
+  expenseCategoryId?: number | null
+  incomeCategoryId?: number | null
+  tagIds?: number[]
+}
+
+/** 解析结果 */
+export interface EmailBillParseResult {
+  billType: string
+  total: number
+  rows: ParsedBillRow[]
+}
+
+/** 查询邮箱配置列表 */
+export function listEmailBillConfigs() {
+  return request.get('/email-bill/configs')
+}
+
+/** 新增邮箱配置 */
+export function createEmailBillConfig(data: EmailBillConfigPayload) {
+  return request.post('/email-bill/configs', data)
+}
+
+/** 更新邮箱配置，授权码留空表示不修改 */
+export function updateEmailBillConfig(id: number, data: EmailBillConfigPayload) {
+  return request.put(`/email-bill/configs/${id}`, data)
+}
+
+/** 删除邮箱配置 */
+export function deleteEmailBillConfig(id: number) {
+  return request.delete(`/email-bill/configs/${id}`)
+}
+
+/** 启用或停用邮箱配置 */
+export function toggleEmailBillConfig(id: number, enabled: boolean) {
+  return request.put(`/email-bill/configs/${id}/enabled`, { enabled })
+}
+
+/** 测试邮箱连接 */
+export function testEmailBillConfig(id: number) {
+  return request.post(`/email-bill/configs/${id}/test`, {}, { timeout: 60000 })
+}
+
+/** 立即检查邮箱并增量拉取 */
+export function checkEmailBillConfig(id: number) {
+  return request.post(`/email-bill/configs/${id}/check`, {}, { timeout: 120000 })
+}
+
+/** 查询发件人规则列表 */
+export function listEmailBillSenderRules() {
+  return request.get('/email-bill/sender-rules')
+}
+
+/** 新增发件人规则 */
+export function createEmailBillSenderRule(data: EmailBillSenderRulePayload) {
+  return request.post('/email-bill/sender-rules', data)
+}
+
+/** 更新发件人规则 */
+export function updateEmailBillSenderRule(id: number, data: EmailBillSenderRulePayload) {
+  return request.put(`/email-bill/sender-rules/${id}`, data)
+}
+
+/** 删除发件人规则 */
+export function deleteEmailBillSenderRule(id: number) {
+  return request.delete(`/email-bill/sender-rules/${id}`)
+}
+
+/** 启用或停用发件人规则 */
+export function toggleEmailBillSenderRule(id: number, enabled: boolean) {
+  return request.put(`/email-bill/sender-rules/${id}/enabled`, { enabled })
+}
+
+/** 分页查询账单消息 */
+export function pageEmailBillMessages(params: {
+  status?: string
+  configId?: number
+  page?: number
+  size?: number
+}) {
+  return request.get('/email-bill/messages', { params })
+}
+
+/** 解析账单附件（不落库），可覆盖账单类型与解压密码 */
+export function parseEmailBillMessage(id: number, data: { billType?: string; password?: string }) {
+  return request.post(`/email-bill/messages/${id}/parse`, data, { timeout: 120000 })
+}
+
+/** 确认导入勾选的账单行 */
+export function importEmailBillMessage(id: number, data: {
+  billType: BillType
+  expenseCategoryId?: number | null
+  incomeCategoryId?: number | null
+  tagIds?: number[]
+  items: BillImportItem[]
+}) {
+  return request.post(`/email-bill/messages/${id}/import`, data, { timeout: 120000 })
+}
+
+/** 忽略账单消息 */
+export function ignoreEmailBillMessage(id: number) {
+  return request.put(`/email-bill/messages/${id}/ignore`)
+}
+
+/** 删除账单消息 */
+export function deleteEmailBillMessage(id: number) {
+  return request.delete(`/email-bill/messages/${id}`)
+}
diff --git a/frontend/src/api/statistics.ts b/frontend/src/api/statistics.ts
index 2e6ae37..f46722c 100644
--- a/frontend/src/api/statistics.ts
+++ b/frontend/src/api/statistics.ts
@@ -27,6 +27,8 @@ export interface StatisticsFilterParams {
   minAmount?: number
   maxAmount?: number
   remark?: string
+  /** 统计口径：INCLUDED-仅计入（默认）、ALL-全部、EXCLUDED-仅不计入 */
+  statsScope?: 'INCLUDED' | 'ALL' | 'EXCLUDED'
 }
 
 /** 获取指定时间范围的统计概览（收支汇总、日均、最大单笔、平均每笔） */
diff --git a/frontend/src/components/BillImportResult.vue b/frontend/src/components/BillImportResult.vue
new file mode 100644
index 0000000..19d77b1
--- /dev/null
+++ b/frontend/src/components/BillImportResult.vue
@@ -0,0 +1,31 @@
+<script setup lang="ts">
+// 账单导入结果面板：展示导入统计与失败信息，供上传导入与邮箱账单复用
+import { useI18n } from 'vue-i18n'
+import { NSpace, NButton, NAlert, NText } from 'naive-ui'
+
+defineProps<{
+  result: { total: number; imported: number; skipped: number; failed: number; messages: string[] } | null
+}>()
+
+const emit = defineEmits<{
+  (e: 'done'): void
+}>()
+
+const { t } = useI18n()
+</script>
+
+<template>
+  <NSpace vertical :size="12">
+    <NAlert type="success" :show-icon="true">
+      {{ t('import.resultSummary', { imported: result?.imported ?? 0, skipped: result?.skipped ?? 0, failed: result?.failed ?? 0 }) }}
+    </NAlert>
+    <div v-if="result?.messages?.length" style="max-height: 320px; overflow: auto;">
+      <NText v-for="(msg, i) in result.messages" :key="i" depth="3" style="display: block; font-size: 12px;">
+        {{ msg }}
+      </NText>
+    </div>
+    <NSpace justify="end">
+      <NButton type="primary" @click="emit('done')">{{ t('import.done') }}</NButton>
+    </NSpace>
+  </NSpace>
+</template>
diff --git a/frontend/src/components/BillPreviewPanel.vue b/frontend/src/components/BillPreviewPanel.vue
new file mode 100644
index 0000000..f178bd6
--- /dev/null
+++ b/frontend/src/components/BillPreviewPanel.vue
@@ -0,0 +1,403 @@
+<script setup lang="ts">
+// 账单预览面板：预览解析结果、筛选、勾选，并设置默认分类/标签后确认导入
+// 供上传导入（BillImportPanel）与邮箱账单解析弹窗复用；导入动作由父组件执行
+import { ref, computed, h, watch, onMounted } from 'vue'
+import { useI18n } from 'vue-i18n'
+import {
+  useMessage, NSpace, NButton, NSelect, NDataTable, NCheckbox, NTag, NText, NInput, NInputNumber,
+} from 'naive-ui'
+import type { DataTableColumns } from 'naive-ui'
+import type { ParsedBillRow, BillImportItem } from '../api/transaction'
+import { getCategoryList } from '../api/category'
+import { getTagList } from '../api/tag'
+
+const props = defineProps<{
+  /** 解析结果行 */
+  rows: ParsedBillRow[]
+  /** 父组件导入进行中 */
+  importing?: boolean
+}>()
+
+const emit = defineEmits<{
+  (e: 'confirm', payload: {
+    items: BillImportItem[]
+    expenseCategoryId: number | null
+    incomeCategoryId: number | null
+    tagIds: number[]
+  }): void
+  (e: 'back'): void
+}>()
+
+const message = useMessage()
+const { t } = useI18n()
+
+// 勾选状态
+const checkedRowNos = ref<number[]>([])
+
+// 筛选条件
+const filterKeyword = ref('')
+const filterType = ref<string | null>(null)
+const filterStatus = ref<string | null>(null)
+const filterMinAmount = ref<number | null>(null)
+const filterMaxAmount = ref<number | null>(null)
+
+// 类型筛选选项
+const typeFilterOptions = computed(() => [
+  { label: t('import.typeFilter.income'), value: 'INCOME' },
+  { label: t('import.typeFilter.expense'), value: 'EXPENSE' },
+  { label: t('import.typeFilter.neutral'), value: 'NEUTRAL' },
+])
+
+// 状态筛选选项
+const statusFilterOptions = computed(() => [
+  { label: t('import.statusFilter.importable'), value: 'importable' },
+  { label: t('import.statusFilter.duplicate'), value: 'duplicate' },
+  { label: t('import.statusFilter.error'), value: 'error' },
+])
+
+/** 重置预览筛选条件 */
+function resetFilters() {
+  filterKeyword.value = ''
+  filterType.value = null
+  filterStatus.value = null
+  filterMinAmount.value = null
+  filterMaxAmount.value = null
+}
+
+// 默认分类
+const expenseCategories = ref<{ label: string; value: number; icon: string }[]>([])
+const incomeCategories = ref<{ label: string; value: number; icon: string }[]>([])
+const expenseCategoryId = ref<number | null>(null)
+const incomeCategoryId = ref<number | null>(null)
+
+// 默认标签
+const allTags = ref<{ label: string; value: number }[]>([])
+const importTagIds = ref<number[]>([])
+
+/** 按筛选条件过滤后的账单行 */
+const filteredRows = computed(() => {
+  const kw = filterKeyword.value.trim().toLowerCase()
+  return props.rows.filter((r) => {
+    if (kw) {
+      const text = `${r.counterparty || ''} ${r.product || ''} ${r.externalNo || ''}`.toLowerCase()
+      if (!text.includes(kw)) return false
+    }
+    if (filterType.value === 'NEUTRAL') {
+      if (r.includeInStats) return false
+    } else if (filterType.value && r.type !== filterType.value) {
+      return false
+    }
+    if (filterStatus.value === 'importable' && !r.importable) return false
+    if (filterStatus.value === 'duplicate' && !r.duplicate) return false
+    if (filterStatus.value === 'error' && !r.error) return false
+    if (filterMinAmount.value != null && Number(r.amount) < filterMinAmount.value) return false
+    if (filterMaxAmount.value != null && Number(r.amount) > filterMaxAmount.value) return false
+    return true
+  })
+})
+
+/** 可导入的行（受筛选影响） */
+const selectableRows = computed(() => filteredRows.value.filter((r) => r.importable))
+/** 已勾选的行 */
+const checkedRows = computed(() => props.rows.filter((r) => checkedRowNos.value.includes(r.rowNo)))
+/** 是否全选（基于当前筛选出的可导入行） */
+const allChecked = computed(
+  () => selectableRows.value.length > 0 && selectableRows.value.every((r) => checkedRowNos.value.includes(r.rowNo)),
+)
+/** 是否存在部分勾选（基于当前筛选出的可导入行） */
+const someChecked = computed(() => {
+  const checkedVisible = selectableRows.value.filter((r) => checkedRowNos.value.includes(r.rowNo))
+  return checkedVisible.length > 0 && !allChecked.value
+})
+
+/** 表格列定义（随语言切换响应式更新） */
+const columns = computed<DataTableColumns<ParsedBillRow>>(() => [
+  {
+    title: () =>
+      h(NCheckbox, {
+        checked: allChecked.value,
+        indeterminate: someChecked.value,
+        disabled: selectableRows.value.length === 0,
+        onUpdateChecked: (v: boolean) => toggleAll(v),
+      }),
+    key: 'checked',
+    width: 50,
+    render: (row) =>
+      h(NCheckbox, {
+        checked: checkedRowNos.value.includes(row.rowNo),
+        disabled: !row.importable,
+        onUpdateChecked: (v: boolean) => toggleRow(row, v),
+      }),
+  },
+  {
+    title: t('import.column.transactionTime'),
+    key: 'transactionTime',
+    width: 150,
+    render: (row) => (row.transactionTime ? row.transactionTime.replace('T', ' ').substring(0, 16) : '-'),
+  },
+  {
+    title: t('import.column.type'),
+    key: 'type',
+    width: 90,
+    render: (row) => {
+      if (!row.importable) {
+        return h(NTag, { type: 'error', size: 'small' }, { default: () => t('import.notImportable') })
+      }
+      if (!row.includeInStats) {
+        return h(NTag, { type: 'default', size: 'small' }, { default: () => t('import.notIncluded') })
+      }
+      return h(
+        NTag,
+        { type: row.type === 'INCOME' ? 'success' : 'error', size: 'small' },
+        { default: () => (row.type === 'INCOME' ? t('common.types.income') : t('common.types.expense')) },
+      )
+    },
+  },
+  {
+    title: t('import.column.includeInStats'),
+    key: 'includeInStats',
+    width: 100,
+    align: 'center',
+    render: (row) =>
+      h(NCheckbox, {
+        checked: !!row.includeInStats,
+        disabled: !row.importable,
+        onUpdateChecked: (v: boolean) => toggleIncludeInStats(row, v),
+      }),
+  },
+  {
+    title: t('import.column.amount'),
+    key: 'amount',
+    width: 110,
+    render: (row) => {
+      const color = row.type === 'INCOME' ? '#18a058' : '#d03050'
+      return h('span', { style: { color, fontWeight: 'bold' } }, `${row.type === 'INCOME' ? '+' : '-'}${Number(row.amount).toFixed(2)}`)
+    },
+  },
+  { title: t('import.column.counterparty'), key: 'counterparty', width: 160, ellipsis: { tooltip: true } },
+  { title: t('import.column.product'), key: 'product', ellipsis: { tooltip: true } },
+  {
+    title: t('import.column.status'),
+    key: 'tradeStatus',
+    width: 150,
+    render: (row) => {
+      if (row.error) {
+        return h(NTag, { type: 'error', size: 'small' }, { default: () => row.error })
+      }
+      if (row.duplicate) {
+        return h(NTag, { type: 'warning', size: 'small' }, { default: () => t('import.statusFilter.duplicate') })
+      }
+      return h('span', null, row.tradeStatus || '-')
+    },
+  },
+  {
+    title: t('import.column.matchedRule'),
+    key: 'matchedRule',
+    width: 220,
+    render: (row) => {
+      const ruleNames = row.matchedRuleNames || []
+      const suggestedTags = row.suggestedTags || []
+      if (ruleNames.length === 0 && !row.suggestedCategoryId && suggestedTags.length === 0) {
+        return h('span', { style: { color: '#ccc' } }, '—')
+      }
+      const nodes: any[] = []
+      // 命中规则名，多个时折叠为 +N
+      if (ruleNames.length) {
+        nodes.push(h(NTag, { size: 'small', type: 'warning' }, {
+          default: () => (ruleNames.length > 1 ? `${ruleNames[0]} +${ruleNames.length - 1}` : ruleNames[0]),
+        }))
+      }
+      // 建议分类
+      if (row.suggestedCategoryId) {
+        nodes.push(h(NTag, { size: 'small', type: 'info' }, {
+          default: () => `${row.suggestedCategoryIcon || ''}${row.suggestedCategoryName || ''}`,
+        }))
+      }
+      // 建议标签
+      for (const tag of suggestedTags) {
+        nodes.push(h(NTag, {
+          size: 'small',
+          color: tag.color ? { color: tag.color, textColor: '#fff' } : undefined,
+        }, { default: () => tag.name }))
+      }
+      return h('div', { style: { display: 'flex', flexWrap: 'wrap', gap: '4px' } }, nodes)
+    },
+  },
+])
+
+/** 加载分类选项 */
+async function loadCategories() {
+  try {
+    const [expenseRes, incomeRes]: any = await Promise.all([getCategoryList('EXPENSE'), getCategoryList('INCOME')])
+    expenseCategories.value = (expenseRes.data || []).map((c: any) => ({ label: c.name, value: c.id, icon: c.icon || '' }))
+    incomeCategories.value = (incomeRes.data || []).map((c: any) => ({ label: c.name, value: c.id, icon: c.icon || '' }))
+  } catch (e: any) {
+    message.error(e.message || t('import.loadCategoriesFailed'))
+  }
+}
+
+/** 分类下拉项渲染：图标 + 名称 */
+function renderCategoryLabel(option: any) {
+  return h('span', null, [
+    option.icon ? h('span', { style: { marginRight: '6px' } }, option.icon) : null,
+    option.label,
+  ])
+}
+
+/** 加载标签选项 */
+async function loadTags() {
+  try {
+    const res: any = await getTagList()
+    allTags.value = (res.data || []).map((tag: any) => ({ label: tag.name, value: tag.id }))
+  } catch (e: any) {
+    message.error(e.message || t('import.loadTagsFailed'))
+  }
+}
+
+/** 切换单行勾选 */
+function toggleRow(row: ParsedBillRow, checked: boolean) {
+  if (checked) {
+    if (!checkedRowNos.value.includes(row.rowNo)) {
+      checkedRowNos.value = [...checkedRowNos.value, row.rowNo]
+    }
+  } else {
+    checkedRowNos.value = checkedRowNos.value.filter((n) => n !== row.rowNo)
+  }
+}
+
+/** 全选/取消全选 */
+function toggleAll(checked: boolean) {
+  checkedRowNos.value = checked ? selectableRows.value.map((r) => r.rowNo) : []
+}
+
+/** 切换单行是否计入统计 */
+function toggleIncludeInStats(row: ParsedBillRow, value: boolean) {
+  row.includeInStats = value
+}
+
+/** 批量设置已勾选行的计入统计标记 */
+function setCheckedIncludeInStats(value: boolean) {
+  if (checkedRows.value.length === 0) {
+    message.warning(t('import.selectAtLeastOne'))
+    return
+  }
+  checkedRows.value.forEach((row) => {
+    row.includeInStats = value
+  })
+}
+
+/** 确认导入：向父组件抛出勾选行与默认归类 */
+function handleConfirm() {
+  if (checkedRows.value.length === 0) {
+    message.warning(t('import.selectAtLeastOne'))
+    return
+  }
+  const items: BillImportItem[] = checkedRows.value.map((r) => ({
+    externalNo: r.externalNo,
+    transactionTime: r.transactionTime,
+    type: r.type,
+    amount: r.amount,
+    counterparty: r.counterparty,
+    product: r.product,
+    includeInStats: r.includeInStats,
+    rawData: r.rawData,
+  }))
+  emit('confirm', {
+    items,
+    expenseCategoryId: expenseCategoryId.value,
+    incomeCategoryId: incomeCategoryId.value,
+    tagIds: importTagIds.value,
+  })
+}
+
+// 解析结果变化时重置勾选（默认选中解析器建议行）与筛选条件
+watch(() => props.rows, (rows) => {
+  checkedRowNos.value = rows.filter((r) => r.selected).map((r) => r.rowNo)
+  resetFilters()
+}, { immediate: true })
+
+onMounted(() => {
+  loadCategories()
+  loadTags()
+})
+</script>
+
+<template>
+  <NSpace vertical :size="12">
+    <NSpace align="center" :wrap="true" :size="[12, 12]">
+      <NText>{{ t('import.expenseDefaultCategory') }}</NText>
+      <NSelect
+        v-model:value="expenseCategoryId"
+        :options="expenseCategories"
+        :render-label="renderCategoryLabel"
+        filterable
+        clearable
+        :placeholder="t('import.notSetCategory')"
+        style="width: 180px;"
+      />
+      <NText>{{ t('import.incomeDefaultCategory') }}</NText>
+      <NSelect
+        v-model:value="incomeCategoryId"
+        :options="incomeCategories"
+        :render-label="renderCategoryLabel"
+        filterable
+        clearable
+        :placeholder="t('import.notSetCategory')"
+        style="width: 180px;"
+      />
+      <NText>{{ t('import.defaultTags') }}</NText>
+      <NSelect
+        v-model:value="importTagIds"
+        :options="allTags"
+        multiple
+        clearable
+        filterable
+        :max-tag-count="2"
+        :placeholder="t('import.notSetTag')"
+        style="width: 200px;"
+      />
+      <NCheckbox
+        :checked="allChecked"
+        :indeterminate="someChecked"
+        :disabled="selectableRows.length === 0"
+        @update:checked="toggleAll"
+      >
+        {{ t('import.selectAll') }}
+      </NCheckbox>
+      <NButton size="small" :disabled="checkedRows.length === 0" @click="setCheckedIncludeInStats(true)">
+        {{ t('import.setIncluded') }}
+      </NButton>
+      <NButton size="small" :disabled="checkedRows.length === 0" @click="setCheckedIncludeInStats(false)">
+        {{ t('import.setExcluded') }}
+      </NButton>
+      <NText depth="3">{{ t('import.previewSummary', { total: rows.length, filtered: filteredRows.length, checked: checkedRows.length }) }}</NText>
+    </NSpace>
+
+    <!-- 筛选条件 -->
+    <NSpace align="center" :wrap="true" :size="[12, 12]">
+      <NInput v-model:value="filterKeyword" clearable :placeholder="t('import.searchPlaceholder')" style="width: 220px;" />
+      <NSelect v-model:value="filterType" :options="typeFilterOptions" clearable :placeholder="t('import.typePlaceholder')" style="width: 120px;" />
+      <NSelect v-model:value="filterStatus" :options="statusFilterOptions" clearable :placeholder="t('import.statusPlaceholder')" style="width: 130px;" />
+      <NInputNumber v-model:value="filterMinAmount" :min="0" :precision="2" clearable :placeholder="t('common.min')" style="width: 120px;" />
+      <span style="color: #999;">~</span>
+      <NInputNumber v-model:value="filterMaxAmount" :min="0" :precision="2" clearable :placeholder="t('common.max')" style="width: 120px;" />
+      <NButton size="small" @click="resetFilters">{{ t('common.reset') }}</NButton>
+    </NSpace>
+
+    <NDataTable
+      :columns="columns"
+      :data="filteredRows"
+      :max-height="420"
+      :row-key="(row) => row.rowNo"
+      size="small"
+      :bordered="false"
+    />
+
+    <NSpace justify="end">
+      <NButton @click="emit('back')">{{ t('import.prevStep') }}</NButton>
+      <NButton type="primary" :loading="importing" @click="handleConfirm">
+        {{ t('import.confirmImport', { count: checkedRows.length }) }}
+      </NButton>
+    </NSpace>
+  </NSpace>
+</template>
diff --git a/frontend/src/locales/messages.ts b/frontend/src/locales/messages.ts
index ad23253..7e73911 100644
--- a/frontend/src/locales/messages.ts
+++ b/frontend/src/locales/messages.ts
@@ -81,11 +81,13 @@ export default {
   // 主布局
   layout: {
     appTitle: { zh: '收支管理', en: 'Finance Manager', ja: '収支管理' },
+    appSubtitle: { zh: '个人财务管理', en: 'Personal Finance', ja: '個人財務管理' },
     dashboard: { zh: '统计面板', en: 'Dashboard', ja: 'ダッシュボード' },
     transactions: { zh: '收支记录', en: 'Transactions', ja: '収支記録' },
     categories: { zh: '分类管理', en: 'Categories', ja: 'カテゴリ管理' },
     tags: { zh: '标签管理', en: 'Tags', ja: 'タグ管理' },
     rules: { zh: '规则管理', en: 'Rules', ja: 'ルール管理' },
+    emailBills: { zh: '邮箱账单', en: 'Email Bills', ja: 'メール請求' },
     logs: { zh: '系统日志', en: 'Logs', ja: 'システムログ' },
     settings: { zh: '系统设置', en: 'Settings', ja: 'システム設定' },
     user: { zh: '用户', en: 'User', ja: 'ユーザー' },
@@ -285,6 +287,12 @@ export default {
       quarter: { zh: '按季', en: 'Quarterly', ja: '四半期別' },
       year: { zh: '按年', en: 'Yearly', ja: '年別' },
     },
+    filterStatsScope: { zh: '统计口径', en: 'Stats Scope', ja: '集計範囲' },
+    statsScope: {
+      included: { zh: '仅计入统计', en: 'Included Only', ja: '集計対象のみ' },
+      all: { zh: '全部记录', en: 'All Records', ja: 'すべての記録' },
+      excluded: { zh: '仅不计入', en: 'Excluded Only', ja: '集計対象外のみ' },
+    },
     filterType: { zh: '类型', en: 'Type', ja: '種類' },
     filterCategory: { zh: '分类', en: 'Category', ja: 'カテゴリ' },
     filterPaymentMethod: { zh: '支付方式', en: 'Payment Method', ja: '支払方法' },
@@ -688,4 +696,143 @@ export default {
       },
     },
   },
+
+  // 邮箱账单
+  emailBill: {
+    title: { zh: '邮箱账单', en: 'Email Bills', ja: 'メール請求' },
+    tab: {
+      configs: { zh: '邮箱配置', en: 'Mailboxes', ja: 'メール設定' },
+      senderRules: { zh: '发件人规则', en: 'Sender Rules', ja: '送信者ルール' },
+      messages: { zh: '待处理账单', en: 'Pending Bills', ja: '未処理の請求' },
+    },
+    imapHosts: {
+      qq: { zh: 'QQ 邮箱', en: 'QQ Mail', ja: 'QQメール' },
+      qqExmail: { zh: '腾讯企业邮', en: 'Tencent Exmail', ja: 'Tencent Exmail' },
+      netease163: { zh: '网易 163 邮箱', en: 'NetEase 163', ja: 'NetEase 163' },
+      netease126: { zh: '网易 126 邮箱', en: 'NetEase 126', ja: 'NetEase 126' },
+      neteaseQiye: { zh: '网易企业邮', en: 'NetEase Enterprise', ja: 'NetEase Enterprise' },
+      aliyun: { zh: '阿里云邮箱', en: 'Alibaba Mail', ja: 'Alibaba Mail' },
+      sina: { zh: '新浪邮箱', en: 'Sina Mail', ja: 'Sina Mail' },
+      mail139: { zh: '139 邮箱', en: '139 Mail', ja: '139メール' },
+      mail189: { zh: '189 邮箱', en: '189 Mail', ja: '189メール' },
+      gmail: { zh: 'Gmail', en: 'Gmail', ja: 'Gmail' },
+      outlook: { zh: 'Outlook / Hotmail', en: 'Outlook / Hotmail', ja: 'Outlook / Hotmail' },
+      icloud: { zh: 'iCloud 邮箱', en: 'iCloud Mail', ja: 'iCloudメール' },
+    },
+    common: {
+      add: { zh: '新增', en: 'Add', ja: '追加' },
+      edit: { zh: '编辑', en: 'Edit', ja: '編集' },
+      delete: { zh: '删除', en: 'Delete', ja: '削除' },
+      actions: { zh: '操作', en: 'Actions', ja: '操作' },
+      enabled: { zh: '启用', en: 'Enabled', ja: '有効' },
+      save: { zh: '保存', en: 'Save', ja: '保存' },
+      cancel: { zh: '取消', en: 'Cancel', ja: 'キャンセル' },
+      confirm: { zh: '确定', en: 'Confirm', ja: '確定' },
+      refresh: { zh: '刷新', en: 'Refresh', ja: '更新' },
+      loadFailed: { zh: '加载失败', en: 'Failed to load', ja: '読み込みに失敗しました' },
+      saveSuccess: { zh: '保存成功', en: 'Saved', ja: '保存しました' },
+      deleteSuccess: { zh: '删除成功', en: 'Deleted', ja: '削除しました' },
+      deleteConfirm: { zh: '确定删除吗？', en: 'Delete this item?', ja: '削除しますか？' },
+      empty: { zh: '暂无数据', en: 'No data', ja: 'データがありません' },
+    },
+    config: {
+      name: { zh: '名称', en: 'Name', ja: '名称' },
+      host: { zh: 'IMAP 服务器', en: 'IMAP Server', ja: 'IMAPサーバー' },
+      hostPlaceholder: { zh: '选择或输入 IMAP 服务器', en: 'Select or enter IMAP server', ja: 'IMAPサーバーを選択または入力' },
+      port: { zh: '端口', en: 'Port', ja: 'ポート' },
+      ssl: { zh: '使用 SSL', en: 'Use SSL', ja: 'SSLを使用' },
+      username: { zh: '邮箱账号', en: 'Email', ja: 'メールアドレス' },
+      password: { zh: '授权码', en: 'Auth Code', ja: '認証コード' },
+      passwordPlaceholder: { zh: '留空表示不修改', en: 'Leave blank to keep unchanged', ja: '空欄なら変更しません' },
+      folder: { zh: '监听文件夹', en: 'Folder', ja: 'フォルダ' },
+      status: { zh: '状态', en: 'Status', ja: '状態' },
+      lastError: { zh: '最近错误', en: 'Last Error', ja: '最新エラー' },
+      defaultExpenseCategory: { zh: '默认支出分类', en: 'Default Expense Category', ja: '既定の支出カテゴリ' },
+      defaultIncomeCategory: { zh: '默认收入分类', en: 'Default Income Category', ja: '既定の収入カテゴリ' },
+      defaultTags: { zh: '默认标签', en: 'Default Tags', ja: '既定のタグ' },
+      fetchScope: { zh: '拉取范围', en: 'Fetch Scope', ja: '取得範囲' },
+      fetchScopeIncrement: { zh: '仅新邮件', en: 'New only', ja: '新着のみ' },
+      fetchScopeDays: { zh: '最近 N 天', en: 'Last N days', ja: '直近 N 日' },
+      fetchScopeCount: { zh: '最近 N 封', en: 'Last N emails', ja: '直近 N 件' },
+      fetchLimitDays: { zh: '天数', en: 'Days', ja: '日数' },
+      fetchLimitCount: { zh: '封数', en: 'Count', ja: '件数' },
+      test: { zh: '测试连接', en: 'Test', ja: '接続テスト' },
+      check: { zh: '立即检查', en: 'Check Now', ja: '今すぐ確認' },
+      testSuccess: { zh: '连接成功', en: 'Connected', ja: '接続に成功しました' },
+      testFailed: { zh: '连接失败', en: 'Connection failed', ja: '接続に失敗しました' },
+      checkResult: { zh: '新增 {count} 条待处理账单', en: '{count} new pending bill(s)', ja: '未処理の請求を {count} 件追加しました' },
+      checkLogTitle: { zh: '检查进度', en: 'Check Progress', ja: '確認の進行状況' },
+      checkRunning: { zh: '检查中…', en: 'Checking…', ja: '確認中…' },
+      checkClear: { zh: '清空', en: 'Clear', ja: 'クリア' },
+      checkFailed: { zh: '检查失败', en: 'Check failed', ja: '確認に失敗しました' },
+      statusText: {
+        DISCONNECTED: { zh: '未连接', en: 'Disconnected', ja: '未接続' },
+        CONNECTED: { zh: '已连接', en: 'Connected', ja: '接続済み' },
+        POLLING: { zh: '轮询中', en: 'Polling', ja: 'ポーリング中' },
+        ERROR: { zh: '异常', en: 'Error', ja: 'エラー' },
+      },
+    },
+    senderRule: {
+      name: { zh: '规则名称', en: 'Rule Name', ja: 'ルール名' },
+      patterns: { zh: '发件人匹配串', en: 'Sender Patterns', ja: '送信者パターン' },
+      patternsHint: { zh: '每行一个，支持完整地址、@域名或关键字，包含匹配且忽略大小写', en: 'One per line; full address, @domain or keyword, case-insensitive contains', ja: '1行に1つ。完全なアドレス、@ドメイン、キーワードに対応（大文字小文字を区別しない部分一致）' },
+      billType: { zh: '账单类型', en: 'Bill Type', ja: '請求タイプ' },
+      archivePassword: { zh: '解压密码', en: 'Archive Password', ja: '解凍パスワード' },
+      archivePasswordPlaceholder: { zh: '压缩包加密时填写', en: 'Fill if the archive is encrypted', ja: '暗号化されている場合に入力' },
+      sortOrder: { zh: '优先级', en: 'Priority', ja: '優先度' },
+      defaultExpenseCategory: { zh: '默认支出分类', en: 'Default Expense Category', ja: '既定の支出カテゴリ' },
+      defaultIncomeCategory: { zh: '默认收入分类', en: 'Default Income Category', ja: '既定の収入カテゴリ' },
+      defaultTags: { zh: '默认标签', en: 'Default Tags', ja: '既定のタグ' },
+      patternsRequired: { zh: '请至少填写一个发件人匹配串', en: 'Please enter at least one sender pattern', ja: '送信者パターンを1つ以上入力してください' },
+    },
+    message: {
+      receivedAt: { zh: '接收时间', en: 'Received', ja: '受信日時' },
+      fromAddress: { zh: '发件人', en: 'From', ja: '送信者' },
+      subject: { zh: '主题', en: 'Subject', ja: '件名' },
+      attachmentName: { zh: '附件', en: 'Attachment', ja: '添付ファイル' },
+      billType: { zh: '账单类型', en: 'Bill Type', ja: '請求タイプ' },
+      status: { zh: '状态', en: 'Status', ja: '状態' },
+      error: { zh: '错误', en: 'Error', ja: 'エラー' },
+      parse: { zh: '解析', en: 'Parse', ja: '解析' },
+      ignore: { zh: '忽略', en: 'Ignore', ja: '無視' },
+      statusText: {
+        PULLED: { zh: '待解析', en: 'Pending', ja: '未解析' },
+        CONFIRMED: { zh: '已导入', en: 'Imported', ja: '取込済み' },
+        IGNORED: { zh: '已忽略', en: 'Ignored', ja: '無視' },
+      },
+      filterStatus: { zh: '状态筛选', en: 'Filter by status', ja: '状態で絞り込み' },
+    },
+    parse: {
+      title: { zh: '解析账单', en: 'Parse Bill', ja: '請求を解析' },
+      billType: { zh: '账单类型', en: 'Bill Type', ja: '請求タイプ' },
+      password: { zh: '解压密码', en: 'Archive Password', ja: '解凍パスワード' },
+      parseButton: { zh: '解析', en: 'Parse', ja: '解析' },
+      parseFailed: { zh: '解析失败', en: 'Parse failed', ja: '解析に失敗しました' },
+      needParse: { zh: '请先解析账单', en: 'Please parse the bill first', ja: '先に請求を解析してください' },
+      expenseDefaultCategory: { zh: '支出默认分类', en: 'Expense Category', ja: '支出カテゴリ' },
+      incomeDefaultCategory: { zh: '收入默认分类', en: 'Income Category', ja: '収入カテゴリ' },
+      defaultTags: { zh: '默认标签', en: 'Default Tags', ja: '既定のタグ' },
+      selectAll: { zh: '全选', en: 'Select All', ja: 'すべて選択' },
+      setIncluded: { zh: '计入统计', en: 'Include', ja: '集計に含める' },
+      setExcluded: { zh: '不计入', en: 'Exclude', ja: '集計から除外' },
+      previewSummary: { zh: '共 {total} 行，筛选后 {filtered} 行，已选 {checked} 行', en: '{total} rows, {filtered} after filter, {checked} selected', ja: '全 {total} 行、絞り込み後 {filtered} 行、選択 {checked} 行' },
+      confirmImport: { zh: '导入 {count} 条', en: 'Import {count}', ja: '{count} 件を取込' },
+      importSuccess: { zh: '导入完成', en: 'Import completed', ja: '取込が完了しました' },
+      resultSummary: { zh: '成功 {imported} 条，跳过 {skipped} 条，失败 {failed} 条', en: 'Imported {imported}, skipped {skipped}, failed {failed}', ja: '成功 {imported} 件、スキップ {skipped} 件、失敗 {failed} 件' },
+      done: { zh: '完成', en: 'Done', ja: '完了' },
+      prevStep: { zh: '返回', en: 'Back', ja: '戻る' },
+      column: {
+        transactionTime: { zh: '交易时间', en: 'Time', ja: '取引日時' },
+        type: { zh: '类型', en: 'Type', ja: '種別' },
+        amount: { zh: '金额', en: 'Amount', ja: '金額' },
+        counterparty: { zh: '交易对方', en: 'Counterparty', ja: '取引先' },
+        product: { zh: '商品', en: 'Item', ja: '商品' },
+        status: { zh: '状态', en: 'Status', ja: '状態' },
+        matchedRule: { zh: '匹配规则/建议', en: 'Rule / Suggestion', ja: 'ルール/提案' },
+      },
+      notImportable: { zh: '不可导入', en: 'Not importable', ja: '取込不可' },
+      notIncluded: { zh: '不计收支', en: 'Excluded', ja: '集計外' },
+      duplicate: { zh: '重复', en: 'Duplicate', ja: '重複' },
+    },
+  },
 }
diff --git a/frontend/src/router/index.ts b/frontend/src/router/index.ts
index 10233d6..5db71c1 100644
--- a/frontend/src/router/index.ts
+++ b/frontend/src/router/index.ts
@@ -58,6 +58,20 @@ const router = createRouter({
           name: 'Rules',
           component: () => import('../views/RuleManage.vue'), // 规则管理（自定义分类与标签规则）
         },
+        {
+          path: 'email-bills',
+          // 跳转到上次访问的标签页，无记录时默认邮箱配置
+          redirect: () => {
+            const tabs = ['configs', 'senderRules', 'messages']
+            const saved = typeof localStorage !== 'undefined' ? localStorage.getItem('emailBill.tab') : null
+            return `/email-bills/${saved && tabs.includes(saved) ? saved : 'configs'}`
+          },
+        },
+        {
+          path: 'email-bills/:tab(configs|senderRules|messages)',
+          name: 'EmailBills',
+          component: () => import('../views/EmailBillManage.vue'), // 邮箱账单（邮箱配置/发件人规则/待处理账单）
+        },
         {
           path: 'settings',
           name: 'Settings',
diff --git a/frontend/src/utils/payment.ts b/frontend/src/utils/payment.ts
new file mode 100644
index 0000000..0f3a621
--- /dev/null
+++ b/frontend/src/utils/payment.ts
@@ -0,0 +1,14 @@
+// 支付方式相关工具：将后端返回的支付方式编码映射为当前语言标签
+import i18n from '../locales'
+
+/** i18n 全局实例的翻译函数签名（避免动态 key 触发过深的类型推断） */
+type Translate = (key: string) => string
+type HasKey = (key: string) => boolean
+
+/** 将支付方式编码转换为当前语言的标签，无对应文案时回退为原始编码 */
+export function getPaymentLabel(val: string): string {
+  if (!val) return '-'
+  const { t, te } = i18n.global as unknown as { t: Translate; te: HasKey }
+  const key = `common.payment.${val.toLowerCase()}`
+  return te(key) ? t(key) : val
+}
diff --git a/frontend/src/views/BillImportPanel.vue b/frontend/src/views/BillImportPanel.vue
index 5865eba..1ff5e3e 100644
--- a/frontend/src/views/BillImportPanel.vue
+++ b/frontend/src/views/BillImportPanel.vue
@@ -1,18 +1,17 @@
 <script setup lang="ts">
 // 账单导入面板：先解析、后勾选导入（默认全选），当前支持支付宝与微信账单
 // 以纯内容形式提供，可由弹窗（BillImportModal）或独立页面（BillImport）承载
-import { ref, computed, h, watch, onMounted } from 'vue'
+import { ref, computed, watch, onMounted } from 'vue'
 import { useI18n } from 'vue-i18n'
 import {
-  useMessage, NSpace, NButton, NSelect, NUpload, NUploadDragger, NDataTable,
-  NCheckbox, NTag, NAlert, NText, NIcon, NInput, NInputNumber, NModal,
+  useMessage, NSpace, NButton, NSelect, NUpload, NUploadDragger, NAlert, NText, NIcon, NInput, NModal,
 } from 'naive-ui'
-import type { DataTableColumns, UploadFileInfo } from 'naive-ui'
+import type { UploadFileInfo } from 'naive-ui'
 import { CloudUploadOutline } from '@vicons/ionicons5'
 import { parseBill, confirmImport } from '../api/transaction'
 import type { BillType, ParsedBillRow, BillImportItem } from '../api/transaction'
-import { getCategoryList } from '../api/category'
-import { getTagList } from '../api/tag'
+import BillPreviewPanel from '../components/BillPreviewPanel.vue'
+import BillImportResult from '../components/BillImportResult.vue'
 
 const emit = defineEmits<{
   (e: 'close'): void
@@ -95,233 +94,10 @@ const importing = ref(false)
 const passwordModalVisible = ref(false)
 const archivePassword = ref('')
 
-// 解析结果与勾选状态
+// 解析结果与导入结果
 const rows = ref<ParsedBillRow[]>([])
-const checkedRowNos = ref<number[]>([])
-
-// 预览筛选条件
-const filterKeyword = ref('')
-const filterType = ref<string | null>(null)
-const filterStatus = ref<string | null>(null)
-const filterMinAmount = ref<number | null>(null)
-const filterMaxAmount = ref<number | null>(null)
-
-// 类型筛选选项
-const typeFilterOptions = computed(() => [
-  { label: t('import.typeFilter.income'), value: 'INCOME' },
-  { label: t('import.typeFilter.expense'), value: 'EXPENSE' },
-  { label: t('import.typeFilter.neutral'), value: 'NEUTRAL' },
-])
-
-// 状态筛选选项
-const statusFilterOptions = computed(() => [
-  { label: t('import.statusFilter.importable'), value: 'importable' },
-  { label: t('import.statusFilter.duplicate'), value: 'duplicate' },
-  { label: t('import.statusFilter.error'), value: 'error' },
-])
-
-/** 重置预览筛选条件 */
-function resetFilters() {
-  filterKeyword.value = ''
-  filterType.value = null
-  filterStatus.value = null
-  filterMinAmount.value = null
-  filterMaxAmount.value = null
-}
-
-// 默认分类
-const expenseCategories = ref<{ label: string; value: number; icon: string }[]>([])
-const incomeCategories = ref<{ label: string; value: number; icon: string }[]>([])
-const expenseCategoryId = ref<number | null>(null)
-const incomeCategoryId = ref<number | null>(null)
-
-// 默认标签
-const allTags = ref<{ label: string; value: number }[]>([])
-const importTagIds = ref<number[]>([])
-
-// 导入结果
 const result = ref<{ total: number; imported: number; skipped: number; failed: number; messages: string[] } | null>(null)
 
-/** 按筛选条件过滤后的账单行 */
-const filteredRows = computed(() => {
-  const kw = filterKeyword.value.trim().toLowerCase()
-  return rows.value.filter((r) => {
-    if (kw) {
-      const text = `${r.counterparty || ''} ${r.product || ''} ${r.externalNo || ''}`.toLowerCase()
-      if (!text.includes(kw)) return false
-    }
-    if (filterType.value === 'NEUTRAL') {
-      if (r.includeInStats) return false
-    } else if (filterType.value && r.type !== filterType.value) {
-      return false
-    }
-    if (filterStatus.value === 'importable' && !r.importable) return false
-    if (filterStatus.value === 'duplicate' && !r.duplicate) return false
-    if (filterStatus.value === 'error' && !r.error) return false
-    if (filterMinAmount.value != null && Number(r.amount) < filterMinAmount.value) return false
-    if (filterMaxAmount.value != null && Number(r.amount) > filterMaxAmount.value) return false
-    return true
-  })
-})
-
-/** 可导入的行（受筛选影响） */
-const selectableRows = computed(() => filteredRows.value.filter((r) => r.importable))
-/** 已勾选的行 */
-const checkedRows = computed(() => rows.value.filter((r) => checkedRowNos.value.includes(r.rowNo)))
-/** 是否全选（基于当前筛选出的可导入行） */
-const allChecked = computed(
-  () => selectableRows.value.length > 0 && selectableRows.value.every((r) => checkedRowNos.value.includes(r.rowNo)),
-)
-/** 是否存在部分勾选（基于当前筛选出的可导入行） */
-const someChecked = computed(() => {
-  const checkedVisible = selectableRows.value.filter((r) => checkedRowNos.value.includes(r.rowNo))
-  return checkedVisible.length > 0 && !allChecked.value
-})
-
-/** 表格列定义（随语言切换响应式更新） */
-const columns = computed<DataTableColumns<ParsedBillRow>>(() => [
-  {
-    title: () =>
-      h(NCheckbox, {
-        checked: allChecked.value,
-        indeterminate: someChecked.value,
-        disabled: selectableRows.value.length === 0,
-        onUpdateChecked: (v: boolean) => toggleAll(v),
-      }),
-    key: 'checked',
-    width: 50,
-    render: (row) =>
-      h(NCheckbox, {
-        checked: checkedRowNos.value.includes(row.rowNo),
-        disabled: !row.importable,
-        onUpdateChecked: (v: boolean) => toggleRow(row, v),
-      }),
-  },
-  {
-    title: t('import.column.transactionTime'),
-    key: 'transactionTime',
-    width: 150,
-    render: (row) => (row.transactionTime ? row.transactionTime.replace('T', ' ').substring(0, 16) : '-'),
-  },
-  {
-    title: t('import.column.type'),
-    key: 'type',
-    width: 90,
-    render: (row) => {
-      if (!row.importable) {
-        return h(NTag, { type: 'error', size: 'small' }, { default: () => t('import.notImportable') })
-      }
-      if (!row.includeInStats) {
-        return h(NTag, { type: 'default', size: 'small' }, { default: () => t('import.notIncluded') })
-      }
-      return h(
-        NTag,
-        { type: row.type === 'INCOME' ? 'success' : 'error', size: 'small' },
-        { default: () => (row.type === 'INCOME' ? t('common.types.income') : t('common.types.expense')) },
-      )
-    },
-  },
-  {
-    title: t('import.column.includeInStats'),
-    key: 'includeInStats',
-    width: 100,
-    align: 'center',
-    render: (row) =>
-      h(NCheckbox, {
-        checked: !!row.includeInStats,
-        disabled: !row.importable,
-        onUpdateChecked: (v: boolean) => toggleIncludeInStats(row, v),
-      }),
-  },
-  {
-    title: t('import.column.amount'),
-    key: 'amount',
-    width: 110,
-    render: (row) => {
-      const color = row.type === 'INCOME' ? '#18a058' : '#d03050'
-      return h('span', { style: { color, fontWeight: 'bold' } }, `${row.type === 'INCOME' ? '+' : '-'}${Number(row.amount).toFixed(2)}`)
-    },
-  },
-  { title: t('import.column.counterparty'), key: 'counterparty', width: 160, ellipsis: { tooltip: true } },
-  { title: t('import.column.product'), key: 'product', ellipsis: { tooltip: true } },
-  {
-    title: t('import.column.status'),
-    key: 'tradeStatus',
-    width: 150,
-    render: (row) => {
-      if (row.error) {
-        return h(NTag, { type: 'error', size: 'small' }, { default: () => row.error })
-      }
-      if (row.duplicate) {
-        return h(NTag, { type: 'warning', size: 'small' }, { default: () => t('import.statusFilter.duplicate') })
-      }
-      return h('span', null, row.tradeStatus || '-')
-    },
-  },
-  {
-    title: t('import.column.matchedRule'),
-    key: 'matchedRule',
-    width: 220,
-    render: (row) => {
-      const ruleNames = row.matchedRuleNames || []
-      const suggestedTags = row.suggestedTags || []
-      if (ruleNames.length === 0 && !row.suggestedCategoryId && suggestedTags.length === 0) {
-        return h('span', { style: { color: '#ccc' } }, '—')
-      }
-      const nodes: any[] = []
-      // 命中规则名，多个时折叠为 +N
-      if (ruleNames.length) {
-        nodes.push(h(NTag, { size: 'small', type: 'warning' }, {
-          default: () => (ruleNames.length > 1 ? `${ruleNames[0]} +${ruleNames.length - 1}` : ruleNames[0]),
-        }))
-      }
-      // 建议分类
-      if (row.suggestedCategoryId) {
-        nodes.push(h(NTag, { size: 'small', type: 'info' }, {
-          default: () => `${row.suggestedCategoryIcon || ''}${row.suggestedCategoryName || ''}`,
-        }))
-      }
-      // 建议标签
-      for (const tag of suggestedTags) {
-        nodes.push(h(NTag, {
-          size: 'small',
-          color: tag.color ? { color: tag.color, textColor: '#fff' } : undefined,
-        }, { default: () => tag.name }))
-      }
-      return h('div', { style: { display: 'flex', flexWrap: 'wrap', gap: '4px' } }, nodes)
-    },
-  },
-])
-
-/** 加载分类选项 */
-async function loadCategories() {
-  try {
-    const [expenseRes, incomeRes]: any = await Promise.all([getCategoryList('EXPENSE'), getCategoryList('INCOME')])
-    expenseCategories.value = (expenseRes.data || []).map((c: any) => ({ label: c.name, value: c.id, icon: c.icon || '' }))
-    incomeCategories.value = (incomeRes.data || []).map((c: any) => ({ label: c.name, value: c.id, icon: c.icon || '' }))
-  } catch (e: any) {
-    message.error(e.message || t('import.loadCategoriesFailed'))
-  }
-}
-
-/** 分类下拉项渲染：图标 + 名称 */
-function renderCategoryLabel(option: any) {
-  return h('span', null, [
-    option.icon ? h('span', { style: { marginRight: '6px' } }, option.icon) : null,
-    option.label,
-  ])
-}
-
-/** 加载标签选项 */
-async function loadTags() {
-  try {
-    const res: any = await getTagList()
-    allTags.value = (res.data || []).map((tag: any) => ({ label: tag.name, value: tag.id }))
-  } catch (e: any) {
-    message.error(e.message || t('import.loadTagsFailed'))
-  }
-}
-
 /** 判断文件名是否符合当前账单类型允许的扩展名 */
 function isAllowedFile(name: string) {
   const exts = allowedExtensions[billType.value] || []
@@ -354,9 +130,6 @@ async function handleParse(password?: string) {
   try {
     const res: any = await parseBill(file.value, billType.value, password)
     rows.value = res.data.rows || []
-    // 默认勾选解析器建议勾选的行
-    checkedRowNos.value = rows.value.filter((r) => r.selected).map((r) => r.rowNo)
-    resetFilters()
     stage.value = 'preview'
     // 解析成功时关闭密码弹窗并清空密码
     passwordModalVisible.value = false
@@ -385,62 +158,21 @@ async function submitPassword() {
   await handleParse(archivePassword.value)
 }
 
-/** 切换单行勾选 */
-function toggleRow(row: ParsedBillRow, checked: boolean) {
-  if (checked) {
-    if (!checkedRowNos.value.includes(row.rowNo)) {
-      checkedRowNos.value = [...checkedRowNos.value, row.rowNo]
-    }
-  } else {
-    checkedRowNos.value = checkedRowNos.value.filter((n) => n !== row.rowNo)
-  }
-}
-
-/** 全选/取消全选 */
-function toggleAll(checked: boolean) {
-  checkedRowNos.value = checked ? selectableRows.value.map((r) => r.rowNo) : []
-}
-
-/** 切换单行是否计入统计 */
-function toggleIncludeInStats(row: ParsedBillRow, value: boolean) {
-  row.includeInStats = value
-}
-
-/** 批量设置已勾选行的计入统计标记 */
-function setCheckedIncludeInStats(value: boolean) {
-  if (checkedRows.value.length === 0) {
-    message.warning(t('import.selectAtLeastOne'))
-    return
-  }
-  checkedRows.value.forEach((row) => {
-    row.includeInStats = value
-  })
-}
-
-/** 确认导入 */
-async function handleConfirm() {
-  if (checkedRows.value.length === 0) {
-    message.warning(t('import.selectAtLeastOne'))
-    return
-  }
-  const items: BillImportItem[] = checkedRows.value.map((r) => ({
-    externalNo: r.externalNo,
-    transactionTime: r.transactionTime,
-    type: r.type,
-    amount: r.amount,
-    counterparty: r.counterparty,
-    product: r.product,
-    includeInStats: r.includeInStats,
-    rawData: r.rawData,
-  }))
+/** 确认导入：接收预览面板抛出的勾选行与默认归类 */
+async function handleConfirm(payload: {
+  items: BillImportItem[]
+  expenseCategoryId: number | null
+  incomeCategoryId: number | null
+  tagIds: number[]
+}) {
   importing.value = true
   try {
     const res: any = await confirmImport({
       billType: billType.value,
-      expenseCategoryId: expenseCategoryId.value,
-      incomeCategoryId: incomeCategoryId.value,
-      tagIds: importTagIds.value.length ? importTagIds.value : undefined,
-      items,
+      expenseCategoryId: payload.expenseCategoryId,
+      incomeCategoryId: payload.incomeCategoryId,
+      tagIds: payload.tagIds.length ? payload.tagIds : undefined,
+      items: payload.items,
     })
     result.value = res.data
     stage.value = 'result'
@@ -458,14 +190,9 @@ function reset() {
   file.value = null
   uploadFileList.value = []
   rows.value = []
-  checkedRowNos.value = []
   result.value = null
-  expenseCategoryId.value = null
-  incomeCategoryId.value = null
-  importTagIds.value = []
   passwordModalVisible.value = false
   archivePassword.value = ''
-  resetFilters()
 }
 
 /** 关闭面板（取消或完成） */
@@ -480,11 +207,9 @@ watch(billType, (value) => {
   localStorage.setItem(BILL_TYPE_PREFS_KEY, value)
 })
 
-// 挂载时重置并加载分类/标签（页面进入或弹窗打开时均会触发）
+// 挂载时重置（页面进入或弹窗打开时均会触发）
 onMounted(() => {
   reset()
-  loadCategories()
-  loadTags()
 })
 </script>
 
@@ -530,99 +255,17 @@ onMounted(() => {
     </NSpace>
   </NSpace>
 
-  <!-- 第二步：预览并勾选 -->
-  <NSpace v-else-if="stage === 'preview'" vertical :size="12">
-    <NSpace align="center" :wrap="true" :size="[12, 12]">
-      <NText>{{ t('import.expenseDefaultCategory') }}</NText>
-      <NSelect
-        v-model:value="expenseCategoryId"
-        :options="expenseCategories"
-        :render-label="renderCategoryLabel"
-        filterable
-        clearable
-        :placeholder="t('import.notSetCategory')"
-        style="width: 180px;"
-      />
-      <NText>{{ t('import.incomeDefaultCategory') }}</NText>
-      <NSelect
-        v-model:value="incomeCategoryId"
-        :options="incomeCategories"
-        :render-label="renderCategoryLabel"
-        filterable
-        clearable
-        :placeholder="t('import.notSetCategory')"
-        style="width: 180px;"
-      />
-      <NText>{{ t('import.defaultTags') }}</NText>
-      <NSelect
-        v-model:value="importTagIds"
-        :options="allTags"
-        multiple
-        clearable
-        filterable
-        :max-tag-count="2"
-        :placeholder="t('import.notSetTag')"
-        style="width: 200px;"
-      />
-      <NCheckbox
-        :checked="allChecked"
-        :indeterminate="someChecked"
-        :disabled="selectableRows.length === 0"
-        @update:checked="toggleAll"
-      >
-        {{ t('import.selectAll') }}
-      </NCheckbox>
-      <NButton size="small" :disabled="checkedRows.length === 0" @click="setCheckedIncludeInStats(true)">
-        {{ t('import.setIncluded') }}
-      </NButton>
-      <NButton size="small" :disabled="checkedRows.length === 0" @click="setCheckedIncludeInStats(false)">
-        {{ t('import.setExcluded') }}
-      </NButton>
-      <NText depth="3">{{ t('import.previewSummary', { total: rows.length, filtered: filteredRows.length, checked: checkedRows.length }) }}</NText>
-    </NSpace>
+  <!-- 第二步：预览并勾选（复用共用预览组件） -->
+  <BillPreviewPanel
+    v-else-if="stage === 'preview'"
+    :rows="rows"
+    :importing="importing"
+    @confirm="handleConfirm"
+    @back="stage = 'select'"
+  />
 
-    <!-- 筛选条件 -->
-    <NSpace align="center" :wrap="true" :size="[12, 12]">
-      <NInput v-model:value="filterKeyword" clearable :placeholder="t('import.searchPlaceholder')" style="width: 220px;" />
-      <NSelect v-model:value="filterType" :options="typeFilterOptions" clearable :placeholder="t('import.typePlaceholder')" style="width: 120px;" />
-      <NSelect v-model:value="filterStatus" :options="statusFilterOptions" clearable :placeholder="t('import.statusPlaceholder')" style="width: 130px;" />
-      <NInputNumber v-model:value="filterMinAmount" :min="0" :precision="2" clearable :placeholder="t('common.min')" style="width: 120px;" />
-      <span style="color: #999;">~</span>
-      <NInputNumber v-model:value="filterMaxAmount" :min="0" :precision="2" clearable :placeholder="t('common.max')" style="width: 120px;" />
-      <NButton size="small" @click="resetFilters">{{ t('common.reset') }}</NButton>
-    </NSpace>
-
-    <NDataTable
-      :columns="columns"
-      :data="filteredRows"
-      :max-height="420"
-      :row-key="(row) => row.rowNo"
-      size="small"
-      :bordered="false"
-    />
-
-    <NSpace justify="end">
-      <NButton @click="stage = 'select'">{{ t('import.prevStep') }}</NButton>
-      <NButton type="primary" :loading="importing" @click="handleConfirm">
-        {{ t('import.confirmImport', { count: checkedRows.length }) }}
-      </NButton>
-    </NSpace>
-  </NSpace>
-
-  <!-- 第三步：导入结果 -->
-  <NSpace v-else vertical :size="12">
-    <NAlert type="success" :show-icon="true">
-      {{ t('import.resultSummary', { imported: result?.imported ?? 0, skipped: result?.skipped ?? 0, failed: result?.failed ?? 0 }) }}
-    </NAlert>
-    <div v-if="result?.messages?.length" style="max-height: 320px; overflow: auto;">
-      <NText v-for="(msg, i) in result.messages" :key="i" depth="3" style="display: block; font-size: 12px;">
-        {{ msg }}
-      </NText>
-    </div>
-    <NSpace justify="end">
-      <NButton type="primary" @click="handleClose">{{ t('import.done') }}</NButton>
-    </NSpace>
-  </NSpace>
+  <!-- 第三步：导入结果（复用共用结果组件） -->
+  <BillImportResult v-else :result="result" @done="handleClose" />
 
   <!-- 压缩包加密时弹出，要求输入解压密码 -->
   <NModal
diff --git a/frontend/src/views/Dashboard.vue b/frontend/src/views/Dashboard.vue
index 631343c..4d23b8c 100644
--- a/frontend/src/views/Dashboard.vue
+++ b/frontend/src/views/Dashboard.vue
@@ -10,6 +10,8 @@ import { LineChart, PieChart, BarChart } from 'echarts/charts'
 import { TitleComponent, TooltipComponent, LegendComponent, GridComponent } from 'echarts/components'
 import { getStatisticsSummary, getStatisticsGroup } from '../api/statistics'
 import { getCategoryList } from '../api/category'
+import { getPaymentMethods } from '../api/transaction'
+import { getPaymentLabel } from '../utils/payment'
 
 // 注册 ECharts 所需组件
 use([CanvasRenderer, LineChart, PieChart, BarChart, TitleComponent, TooltipComponent, LegendComponent, GridComponent])
@@ -37,6 +39,7 @@ const customRange = ref<[number, number] | null>(null) // 自定义起止时间
 const granularity = ref<'day' | 'week' | 'month' | 'quarter' | 'year'>('day') // 趋势粒度
 
 // 过滤条件
+const filterStatsScope = ref<'INCLUDED' | 'ALL' | 'EXCLUDED'>('INCLUDED') // 统计口径
 const filterType = ref<string[]>([]) // 类型（多选）
 const filterCategory = ref<number[]>([]) // 分类（多选，0 表示未分类）
 const filterPaymentMethod = ref<string[]>([]) // 支付方式（多选）
@@ -44,17 +47,24 @@ const filterMinAmount = ref<number | null>(null) // 最小金额
 const filterMaxAmount = ref<number | null>(null) // 最大金额
 const filterRemark = ref('') // 备注关键字
 
+// 统计口径选项：仅计入 / 全部 / 仅不计入
+const statsScopeOptions = computed(() => [
+  { label: t('dashboard.statsScope.included'), value: 'INCLUDED' },
+  { label: t('dashboard.statsScope.all'), value: 'ALL' },
+  { label: t('dashboard.statsScope.excluded'), value: 'EXCLUDED' },
+])
 // 类型与支付方式选项
 const typeOptions = computed(() => [
   { label: t('common.types.expense'), value: 'EXPENSE' },
   { label: t('common.types.income'), value: 'INCOME' },
 ])
-const paymentOptions = computed(() => [
-  { label: t('common.payment.wechat'), value: 'WECHAT' },
-  { label: t('common.payment.alipay'), value: 'ALIPAY' },
-  { label: t('common.payment.cash'), value: 'CASH' },
-  { label: t('common.payment.bank'), value: 'BANK' },
-])
+// 支付方式编码列表（从后端动态获取，含账单导入来源与人工支付方式）
+const paymentMethodCodes = ref<string[]>([])
+// 支付方式选项：由后端返回的编码映射为当前语言标签，locale 变化时重新生成
+const paymentOptions = computed(() => {
+  void locale.value
+  return paymentMethodCodes.value.map((code) => ({ label: getPaymentLabel(code), value: code }))
+})
 
 /** 分类选项数据结构 */
 interface CategoryOption {
@@ -90,6 +100,7 @@ function buildCategoryFilter() {
 
 /** 统计接口的过滤条件 */
 const filterParams = computed(() => ({
+  statsScope: filterStatsScope.value,
   types: filterType.value.length > 0 ? filterType.value : undefined,
   ...buildCategoryFilter(),
   paymentMethods: filterPaymentMethod.value.length > 0 ? filterPaymentMethod.value : undefined,
@@ -272,6 +283,7 @@ function loadPrefs() {
     suppressRangeWatch = true
     if (['month', '3month', '12month', 'custom'].includes(p.rangeType)) rangeType.value = p.rangeType
     if (Array.isArray(p.customRange) && p.customRange.length === 2) customRange.value = p.customRange
+    if (['INCLUDED', 'ALL', 'EXCLUDED'].includes(p.filterStatsScope)) filterStatsScope.value = p.filterStatsScope
     if (Array.isArray(p.filterType)) filterType.value = p.filterType
     if (Array.isArray(p.filterCategory)) filterCategory.value = p.filterCategory
     if (Array.isArray(p.filterPaymentMethod)) filterPaymentMethod.value = p.filterPaymentMethod
@@ -291,6 +303,7 @@ function savePrefs() {
       rangeType: rangeType.value,
       customRange: customRange.value,
       granularity: granularity.value,
+      filterStatsScope: filterStatsScope.value,
       filterType: filterType.value,
       filterCategory: filterCategory.value,
       filterPaymentMethod: filterPaymentMethod.value,
@@ -313,8 +326,19 @@ async function fetchCategories() {
   }
 }
 
+/** 从后端加载支付方式列表，供筛选下拉使用 */
+async function loadPaymentMethods() {
+  try {
+    const res: any = await getPaymentMethods()
+    paymentMethodCodes.value = res.data || []
+  } catch (e) {
+    // 静默处理，支付方式下拉保持为空
+  }
+}
+
 /** 重置所有过滤条件（保留时间范围与粒度） */
 function handleResetFilters() {
+  filterStatsScope.value = 'INCLUDED'
   filterType.value = []
   filterCategory.value = []
   filterPaymentMethod.value = []
@@ -334,7 +358,7 @@ watch(rangeType, (v) => {
 // 范围、粒度或过滤条件变化时重新加载
 watch([() => range.value.startTime, () => range.value.endTime, granularity, filterParams], fetchData)
 // 任一偏好变化时自动保存
-watch([rangeType, customRange, granularity, filterType, filterCategory, filterPaymentMethod, filterMinAmount, filterMaxAmount, filterRemark], savePrefs, { deep: true })
+watch([rangeType, customRange, granularity, filterStatsScope, filterType, filterCategory, filterPaymentMethod, filterMinAmount, filterMaxAmount, filterRemark], savePrefs, { deep: true })
 // 语言切换时重绘图表，更新标题与图例文案
 watch(locale, () => {
   updatePieChart()
@@ -345,6 +369,7 @@ watch(locale, () => {
 onMounted(async () => {
   loadPrefs()
   fetchCategories()
+  loadPaymentMethods()
   await nextTick()
   suppressRangeWatch = false
   fetchData()
@@ -372,6 +397,12 @@ onMounted(async () => {
     <!-- 过滤条件（偏好自动记忆） -->
     <NCard :bordered="false" style="margin-bottom: 16px;">
       <NSpace align="center" :wrap="true" :size="[12, 12]">
+        <NSelect
+          v-model:value="filterStatsScope"
+          :options="statsScopeOptions"
+          :placeholder="t('dashboard.filterStatsScope')"
+          style="width: 160px;"
+        />
         <NSelect
           v-model:value="filterType"
           :options="typeOptions"
@@ -397,6 +428,7 @@ onMounted(async () => {
           :options="paymentOptions"
           multiple
           clearable
+          filterable
           :max-tag-count="2"
           :placeholder="t('dashboard.filterPaymentMethod')"
           style="width: 200px;"
diff --git a/frontend/src/views/EmailBillManage.vue b/frontend/src/views/EmailBillManage.vue
new file mode 100644
index 0000000..cce36f2
--- /dev/null
+++ b/frontend/src/views/EmailBillManage.vue
@@ -0,0 +1,880 @@
+<script setup lang="ts">
+// 邮箱账单管理页：邮箱配置、发件人规则与待处理账单（解析 - 选择 - 入库）
+import { ref, computed, h, watch, onMounted, onUnmounted } from 'vue'
+import { useRoute, useRouter } from 'vue-router'
+import { useI18n } from 'vue-i18n'
+import {
+  useMessage, useDialog, NSpace, NButton, NDataTable, NTag, NModal, NForm, NFormItem,
+  NInput, NInputNumber, NSwitch, NSelect, NAlert, NText, NCard, NTabs, NTabPane,
+} from 'naive-ui'
+import type { DataTableColumns } from 'naive-ui'
+import {
+  listEmailBillConfigs, createEmailBillConfig, updateEmailBillConfig, deleteEmailBillConfig,
+  toggleEmailBillConfig, testEmailBillConfig,
+  listEmailBillSenderRules, createEmailBillSenderRule, updateEmailBillSenderRule,
+  deleteEmailBillSenderRule, toggleEmailBillSenderRule,
+  pageEmailBillMessages, parseEmailBillMessage, importEmailBillMessage,
+  ignoreEmailBillMessage, deleteEmailBillMessage,
+} from '../api/emailBill'
+import type {
+  EmailBillConfig, EmailBillSenderRule, EmailBillMessage, EmailBillConfigPayload,
+  EmailBillSenderRulePayload,
+} from '../api/emailBill'
+import type { ParsedBillRow, BillType, BillImportItem } from '../api/transaction'
+import { getCategoryList } from '../api/category'
+import { getTagList } from '../api/tag'
+import BillPreviewPanel from '../components/BillPreviewPanel.vue'
+import BillImportResult from '../components/BillImportResult.vue'
+import { useUserStore } from '../store/user'
+
+const message = useMessage()
+const dialog = useDialog()
+const { t } = useI18n()
+const route = useRoute()
+const router = useRouter()
+const userStore = useUserStore()
+
+/** 待处理列表自动刷新间隔（毫秒） */
+const MESSAGE_REFRESH_MS = 30000
+
+// 标签页偏好存储键，与路由 /email-bills 的重定向逻辑保持一致
+const EMAIL_BILL_TAB_KEY = 'emailBill.tab'
+
+// 当前标签页取自 URL 子路径（/email-bills/configs、/senderRules、/messages）
+const activeTab = ref<string>((route.params.tab as string) || 'configs')
+
+// ===== 公共选项 =====
+const billTypeOptions = computed(() => [
+  { label: t('import.billTypeALIPAY'), value: 'ALIPAY' },
+  { label: t('import.billTypeWECHAT'), value: 'WECHAT' },
+  { label: t('import.billTypeMEITUAN'), value: 'MEITUAN' },
+  { label: t('import.billTypeCMB'), value: 'CMB' },
+  { label: t('import.billTypeBOCOM'), value: 'BOCOM' },
+])
+
+/** 账单类型编码转当前语言标签，未知值回退原编码 */
+function billTypeLabel(value: string | null) {
+  if (!value) return '-'
+  return billTypeOptions.value.find((option) => option.value === value)?.label || value
+}
+
+/** 常用 IMAP 服务器候选项，选择后自动填充默认端口与 SSL */
+const imapHostOptions = computed(() => [
+  { label: `${t('emailBill.imapHosts.qq')} · imap.qq.com`, value: 'imap.qq.com' },
+  { label: `${t('emailBill.imapHosts.qqExmail')} · imap.exmail.qq.com`, value: 'imap.exmail.qq.com' },
+  { label: `${t('emailBill.imapHosts.netease163')} · imap.163.com`, value: 'imap.163.com' },
+  { label: `${t('emailBill.imapHosts.netease126')} · imap.126.com`, value: 'imap.126.com' },
+  { label: `${t('emailBill.imapHosts.neteaseQiye')} · imap.qiye.163.com`, value: 'imap.qiye.163.com' },
+  { label: `${t('emailBill.imapHosts.aliyun')} · imap.aliyun.com`, value: 'imap.aliyun.com' },
+  { label: `${t('emailBill.imapHosts.sina')} · imap.sina.com`, value: 'imap.sina.com' },
+  { label: `${t('emailBill.imapHosts.mail139')} · imap.139.com`, value: 'imap.139.com' },
+  { label: `${t('emailBill.imapHosts.mail189')} · imap.189.cn`, value: 'imap.189.cn' },
+  { label: `${t('emailBill.imapHosts.gmail')} · imap.gmail.com`, value: 'imap.gmail.com' },
+  { label: `${t('emailBill.imapHosts.outlook')} · outlook.office365.com`, value: 'outlook.office365.com' },
+  { label: `${t('emailBill.imapHosts.icloud')} · imap.mail.me.com`, value: 'imap.mail.me.com' },
+])
+const expenseCategories = ref<{ label: string; value: number; icon: string }[]>([])
+const incomeCategories = ref<{ label: string; value: number; icon: string }[]>([])
+const allTags = ref<{ label: string; value: number }[]>([])
+
+/** 分类下拉项渲染：图标 + 名称 */
+function renderCategoryLabel(option: any) {
+  return h('span', null, [
+    option.icon ? h('span', { style: 'margin-right:6px' }, option.icon) : null,
+    option.label,
+  ])
+}
+
+async function loadOptions() {
+  try {
+    const [expenseRes, incomeRes, tagRes]: any = await Promise.all([
+      getCategoryList('EXPENSE'), getCategoryList('INCOME'), getTagList(),
+    ])
+    expenseCategories.value = (expenseRes.data || []).map((c: any) => ({ label: c.name, value: c.id, icon: c.icon || '' }))
+    incomeCategories.value = (incomeRes.data || []).map((c: any) => ({ label: c.name, value: c.id, icon: c.icon || '' }))
+    allTags.value = (tagRes.data || []).map((tag: any) => ({ label: tag.name, value: tag.id }))
+  } catch (e: any) {
+    message.error(e.message || t('emailBill.common.loadFailed'))
+  }
+}
+
+// ===== 邮箱配置 =====
+const configs = ref<EmailBillConfig[]>([])
+const configLoading = ref(false)
+const configModalVisible = ref(false)
+const configEditingId = ref<number | null>(null)
+const configForm = ref<EmailBillConfigPayload>(emptyConfigForm())
+
+// ===== 立即检查实时进度 =====
+const checkLogs = ref<string[]>([])
+const checkRunning = ref(false)
+let checkSource: EventSource | null = null
+let checkFinished = false
+
+function emptyConfigForm(): EmailBillConfigPayload {
+  return {
+    name: '', host: '', port: 993, ssl: true, username: '', password: '',
+    folder: 'INBOX', enabled: false, expenseCategoryId: null, incomeCategoryId: null, tagIds: [],
+    fetchScope: 'INCREMENT', fetchLimit: null,
+  }
+}
+
+/** 拉取范围选项 */
+const fetchScopeOptions = computed(() => [
+  { label: t('emailBill.config.fetchScopeIncrement'), value: 'INCREMENT' },
+  { label: t('emailBill.config.fetchScopeDays'), value: 'DAYS' },
+  { label: t('emailBill.config.fetchScopeCount'), value: 'COUNT' },
+])
+
+/** 选择内置 IMAP 服务器时自动填充默认端口与 SSL */
+function handleHostChange(value: string) {
+  if (value && imapHostOptions.value.some((option) => option.value === value)) {
+    configForm.value.port = 993
+    configForm.value.ssl = true
+  }
+}
+
+/** 连接状态标签类型 */
+function statusTagType(status: string) {
+  if (status === 'CONNECTED') return 'success'
+  if (status === 'POLLING') return 'info'
+  if (status === 'ERROR') return 'error'
+  return 'default'
+}
+
+const configColumns = computed<DataTableColumns<EmailBillConfig>>(() => [
+  { title: t('emailBill.config.name'), key: 'name', width: 140, ellipsis: { tooltip: true } },
+  {
+    title: t('emailBill.config.host'), key: 'host', width: 200,
+    render: (row) => `${row.host}:${row.port}${row.ssl ? ' (SSL)' : ''}`,
+  },
+  { title: t('emailBill.config.username'), key: 'username', width: 180, ellipsis: { tooltip: true } },
+  { title: t('emailBill.config.folder'), key: 'folder', width: 100 },
+  {
+    title: t('emailBill.config.status'), key: 'status', width: 110,
+    render: (row) => h(NTag, { size: 'small', type: statusTagType(row.status) as any }, {
+      default: () => t(`emailBill.config.statusText.${row.status}`),
+    }),
+  },
+  {
+    title: t('emailBill.common.enabled'), key: 'enabled', width: 80,
+    render: (row) => h(NSwitch, {
+      value: row.enabled, size: 'small',
+      onUpdateValue: (v: boolean) => handleToggleConfig(row, v),
+    }),
+  },
+  {
+    title: t('emailBill.common.actions'), key: 'actions', width: 320,
+    render: (row) => h(NSpace, { size: 4 }, {
+      default: () => [
+        h(NButton, { size: 'tiny', onClick: () => handleTestConfig(row) }, { default: () => t('emailBill.config.test') }),
+        h(NButton, { size: 'tiny', onClick: () => handleCheckConfig(row) }, { default: () => t('emailBill.config.check') }),
+        h(NButton, { size: 'tiny', onClick: () => openConfigModal(row) }, { default: () => t('emailBill.common.edit') }),
+        h(NButton, { size: 'tiny', type: 'error', onClick: () => handleDeleteConfig(row) }, { default: () => t('emailBill.common.delete') }),
+      ],
+    }),
+  },
+])
+
+async function loadConfigs() {
+  configLoading.value = true
+  try {
+    const res: any = await listEmailBillConfigs()
+    configs.value = res.data || []
+  } catch (e: any) {
+    message.error(e.message || t('emailBill.common.loadFailed'))
+  } finally {
+    configLoading.value = false
+  }
+}
+
+function openConfigModal(row?: EmailBillConfig) {
+  if (row) {
+    configEditingId.value = row.id
+    configForm.value = {
+      name: row.name, host: row.host, port: row.port, ssl: row.ssl, username: row.username,
+      password: '', folder: row.folder, enabled: row.enabled,
+      expenseCategoryId: row.expenseCategoryId, incomeCategoryId: row.incomeCategoryId,
+      tagIds: [...(row.tagIds || [])],
+      fetchScope: row.fetchScope || 'INCREMENT', fetchLimit: row.fetchLimit,
+    }
+  } else {
+    configEditingId.value = null
+    configForm.value = emptyConfigForm()
+  }
+  configModalVisible.value = true
+}
+
+async function saveConfig() {
+  try {
+    if (configEditingId.value) {
+      await updateEmailBillConfig(configEditingId.value, configForm.value)
+    } else {
+      await createEmailBillConfig(configForm.value)
+    }
+    message.success(t('emailBill.common.saveSuccess'))
+    configModalVisible.value = false
+    await loadConfigs()
+  } catch (e: any) {
+    message.error(e.message || t('emailBill.common.loadFailed'))
+  }
+}
+
+function handleDeleteConfig(row: EmailBillConfig) {
+  dialog.warning({
+    title: t('emailBill.common.delete'),
+    content: t('emailBill.common.deleteConfirm'),
+    positiveText: t('emailBill.common.confirm'),
+    negativeText: t('emailBill.common.cancel'),
+    onPositiveClick: async () => {
+      try {
+        await deleteEmailBillConfig(row.id)
+        message.success(t('emailBill.common.deleteSuccess'))
+        await loadConfigs()
+      } catch (e: any) {
+        message.error(e.message)
+      }
+    },
+  })
+}
+
+async function handleToggleConfig(row: EmailBillConfig, enabled: boolean) {
+  try {
+    await toggleEmailBillConfig(row.id, enabled)
+    await loadConfigs()
+  } catch (e: any) {
+    message.error(e.message)
+  }
+}
+
+async function handleTestConfig(row: EmailBillConfig) {
+  try {
+    await testEmailBillConfig(row.id)
+    message.success(t('emailBill.config.testSuccess'))
+    await loadConfigs()
+  } catch (e: any) {
+    message.error(e.message || t('emailBill.config.testFailed'))
+  }
+}
+
+/** 立即检查：建立 SSE 连接并实时展示执行进度 */
+function handleCheckConfig(row: EmailBillConfig) {
+  stopCheckStream()
+  checkLogs.value = []
+  checkRunning.value = true
+  checkFinished = false
+
+  const params = new URLSearchParams()
+  // EventSource 无法自定义请求头，token 通过查询参数传递
+  params.set('token', userStore.token || '')
+  const source = new EventSource(`/api/email-bill/configs/${row.id}/check/stream?${params.toString()}`)
+  checkSource = source
+
+  source.addEventListener('line', (e: MessageEvent) => {
+    checkLogs.value.push(e.data)
+  })
+
+  source.addEventListener('done', async (e: MessageEvent) => {
+    let count = 0
+    try {
+      count = JSON.parse(e.data).count ?? 0
+    } catch {
+      count = 0
+    }
+    checkLogs.value.push(t('emailBill.config.checkResult', { count }))
+    finishCheck()
+    await Promise.all([loadConfigs(), loadMessages()])
+  })
+
+  source.addEventListener('failed', (e: MessageEvent) => {
+    let reason = ''
+    try {
+      reason = JSON.parse(e.data).message ?? ''
+    } catch {
+      reason = ''
+    }
+    checkLogs.value.push(reason ? `${t('emailBill.config.checkFailed')}：${reason}` : t('emailBill.config.checkFailed'))
+    finishCheck()
+    loadConfigs()
+  })
+
+  source.onerror = () => {
+    // 连接异常或服务端结束后关闭，避免 EventSource 自动重连导致重复检查
+    if (!checkFinished) {
+      finishCheck()
+    }
+  }
+}
+
+/** 结束检查状态并关闭 SSE 连接 */
+function finishCheck() {
+  checkFinished = true
+  checkRunning.value = false
+  stopCheckStream()
+}
+
+/** 关闭当前 SSE 连接 */
+function stopCheckStream() {
+  if (checkSource) {
+    checkSource.close()
+    checkSource = null
+  }
+}
+
+// ===== 发件人规则 =====
+const senderRules = ref<EmailBillSenderRule[]>([])
+const ruleLoading = ref(false)
+const ruleModalVisible = ref(false)
+const ruleEditingId = ref<number | null>(null)
+const ruleForm = ref<EmailBillSenderRulePayload & { patternsText: string }>(emptyRuleForm())
+
+function emptyRuleForm() {
+  return {
+    name: '', enabled: true, sortOrder: 0, patternsText: '', billType: 'ALIPAY' as BillType,
+    archivePassword: '', expenseCategoryId: null, incomeCategoryId: null, tagIds: [] as number[],
+  }
+}
+
+const ruleColumns = computed<DataTableColumns<EmailBillSenderRule>>(() => [
+  { title: t('emailBill.senderRule.name'), key: 'name', width: 140, ellipsis: { tooltip: true } },
+  {
+    title: t('emailBill.senderRule.patterns'), key: 'senderPatterns', width: 220, ellipsis: { tooltip: true },
+    render: (row) => (row.senderPatterns || []).join(', '),
+  },
+  {
+    title: t('emailBill.senderRule.billType'), key: 'billType', width: 100,
+    render: (row) => h(NTag, { size: 'small', type: 'info' }, { default: () => billTypeLabel(row.billType) }),
+  },
+  { title: t('emailBill.senderRule.sortOrder'), key: 'sortOrder', width: 80 },
+  {
+    title: t('emailBill.common.enabled'), key: 'enabled', width: 80,
+    render: (row) => h(NSwitch, {
+      value: row.enabled, size: 'small',
+      onUpdateValue: (v: boolean) => handleToggleRule(row, v),
+    }),
+  },
+  {
+    title: t('emailBill.common.actions'), key: 'actions', width: 140,
+    render: (row) => h(NSpace, { size: 4 }, {
+      default: () => [
+        h(NButton, { size: 'tiny', onClick: () => openRuleModal(row) }, { default: () => t('emailBill.common.edit') }),
+        h(NButton, { size: 'tiny', type: 'error', onClick: () => handleDeleteRule(row) }, { default: () => t('emailBill.common.delete') }),
+      ],
+    }),
+  },
+])
+
+async function loadSenderRules() {
+  ruleLoading.value = true
+  try {
+    const res: any = await listEmailBillSenderRules()
+    senderRules.value = res.data || []
+  } catch (e: any) {
+    message.error(e.message || t('emailBill.common.loadFailed'))
+  } finally {
+    ruleLoading.value = false
+  }
+}
+
+function openRuleModal(row?: EmailBillSenderRule) {
+  if (row) {
+    ruleEditingId.value = row.id
+    ruleForm.value = {
+      name: row.name, enabled: row.enabled, sortOrder: row.sortOrder,
+      patternsText: (row.senderPatterns || []).join('\n'), billType: row.billType,
+      archivePassword: row.archivePassword || '',
+      expenseCategoryId: row.expenseCategoryId, incomeCategoryId: row.incomeCategoryId,
+      tagIds: [...(row.tagIds || [])],
+    }
+  } else {
+    ruleEditingId.value = null
+    ruleForm.value = emptyRuleForm()
+  }
+  ruleModalVisible.value = true
+}
+
+async function saveRule() {
+  const patterns = ruleForm.value.patternsText.split('\n').map((s) => s.trim()).filter(Boolean)
+  if (patterns.length === 0) {
+    message.warning(t('emailBill.senderRule.patternsRequired'))
+    return
+  }
+  const payload: EmailBillSenderRulePayload = {
+    name: ruleForm.value.name,
+    enabled: ruleForm.value.enabled,
+    sortOrder: ruleForm.value.sortOrder,
+    senderPatterns: patterns,
+    billType: ruleForm.value.billType,
+    archivePassword: ruleForm.value.archivePassword,
+    expenseCategoryId: ruleForm.value.expenseCategoryId,
+    incomeCategoryId: ruleForm.value.incomeCategoryId,
+    tagIds: ruleForm.value.tagIds,
+  }
+  try {
+    if (ruleEditingId.value) {
+      await updateEmailBillSenderRule(ruleEditingId.value, payload)
+    } else {
+      await createEmailBillSenderRule(payload)
+    }
+    message.success(t('emailBill.common.saveSuccess'))
+    ruleModalVisible.value = false
+    await loadSenderRules()
+  } catch (e: any) {
+    message.error(e.message)
+  }
+}
+
+function handleDeleteRule(row: EmailBillSenderRule) {
+  dialog.warning({
+    title: t('emailBill.common.delete'),
+    content: t('emailBill.common.deleteConfirm'),
+    positiveText: t('emailBill.common.confirm'),
+    negativeText: t('emailBill.common.cancel'),
+    onPositiveClick: async () => {
+      try {
+        await deleteEmailBillSenderRule(row.id)
+        message.success(t('emailBill.common.deleteSuccess'))
+        await loadSenderRules()
+      } catch (e: any) {
+        message.error(e.message)
+      }
+    },
+  })
+}
+
+async function handleToggleRule(row: EmailBillSenderRule, enabled: boolean) {
+  try {
+    await toggleEmailBillSenderRule(row.id, enabled)
+    await loadSenderRules()
+  } catch (e: any) {
+    message.error(e.message)
+  }
+}
+
+// ===== 待处理账单 =====
+const messages = ref<EmailBillMessage[]>([])
+const messageLoading = ref(false)
+const messageStatus = ref<string | null>('PULLED')
+const messagePage = ref(1)
+const messageSize = ref(20)
+const messageTotal = ref(0)
+
+const messageColumns = computed<DataTableColumns<EmailBillMessage>>(() => [
+  {
+    title: t('emailBill.message.receivedAt'), key: 'receivedAt', width: 150,
+    render: (row) => (row.receivedAt ? row.receivedAt.replace('T', ' ').substring(0, 16) : '-'),
+  },
+  { title: t('emailBill.message.fromAddress'), key: 'fromAddress', width: 180, ellipsis: { tooltip: true } },
+  { title: t('emailBill.message.subject'), key: 'subject', ellipsis: { tooltip: true } },
+  { title: t('emailBill.message.attachmentName'), key: 'attachmentName', width: 180, ellipsis: { tooltip: true } },
+  {
+    title: t('emailBill.message.billType'), key: 'billType', width: 100,
+    render: (row) => billTypeLabel(row.billType),
+  },
+  {
+    title: t('emailBill.message.status'), key: 'status', width: 100,
+    render: (row) => {
+      if (row.error) {
+        return h(NTag, { size: 'small', type: 'error' }, { default: () => row.error })
+      }
+      const type = row.status === 'CONFIRMED' ? 'success' : row.status === 'IGNORED' ? 'default' : 'warning'
+      return h(NTag, { size: 'small', type: type as any }, {
+        default: () => t(`emailBill.message.statusText.${row.status}`),
+      })
+    },
+  },
+  {
+    title: t('emailBill.common.actions'), key: 'actions', width: 220,
+    render: (row) => h(NSpace, { size: 4 }, {
+      default: () => [
+        h(NButton, {
+          size: 'tiny', type: 'primary', disabled: row.status !== 'PULLED',
+          onClick: () => openParseModal(row),
+        }, { default: () => t('emailBill.message.parse') }),
+        h(NButton, {
+          size: 'tiny', disabled: row.status !== 'PULLED',
+          onClick: () => handleIgnoreMessage(row),
+        }, { default: () => t('emailBill.message.ignore') }),
+        h(NButton, {
+          size: 'tiny', type: 'error',
+          onClick: () => handleDeleteMessage(row),
+        }, { default: () => t('emailBill.common.delete') }),
+      ],
+    }),
+  },
+])
+
+async function loadMessages() {
+  messageLoading.value = true
+  try {
+    const res: any = await pageEmailBillMessages({
+      status: messageStatus.value || undefined,
+      page: messagePage.value,
+      size: messageSize.value,
+    })
+    messages.value = res.data?.records || []
+    messageTotal.value = res.data?.total || 0
+  } catch (e: any) {
+    message.error(e.message || t('emailBill.common.loadFailed'))
+  } finally {
+    messageLoading.value = false
+  }
+}
+
+function handleIgnoreMessage(row: EmailBillMessage) {
+  dialog.warning({
+    title: t('emailBill.message.ignore'),
+    content: t('emailBill.common.deleteConfirm'),
+    positiveText: t('emailBill.common.confirm'),
+    negativeText: t('emailBill.common.cancel'),
+    onPositiveClick: async () => {
+      try {
+        await ignoreEmailBillMessage(row.id)
+        message.success(t('emailBill.common.saveSuccess'))
+        await loadMessages()
+      } catch (e: any) {
+        message.error(e.message)
+      }
+    },
+  })
+}
+
+function handleDeleteMessage(row: EmailBillMessage) {
+  dialog.warning({
+    title: t('emailBill.common.delete'),
+    content: t('emailBill.common.deleteConfirm'),
+    positiveText: t('emailBill.common.confirm'),
+    negativeText: t('emailBill.common.cancel'),
+    onPositiveClick: async () => {
+      try {
+        await deleteEmailBillMessage(row.id)
+        message.success(t('emailBill.common.deleteSuccess'))
+        await loadMessages()
+      } catch (e: any) {
+        message.error(e.message)
+      }
+    },
+  })
+}
+
+// ===== 解析弹窗 =====
+const parseModalVisible = ref(false)
+const parseStage = ref<'select' | 'preview' | 'result'>('select')
+const parseMessageRow = ref<EmailBillMessage | null>(null)
+const parseBillType = ref<BillType>('ALIPAY')
+const parsePassword = ref('')
+const parsing = ref(false)
+const importing = ref(false)
+const parsedRows = ref<ParsedBillRow[]>([])
+const parseResult = ref<{ total: number; imported: number; skipped: number; failed: number; messages: string[] } | null>(null)
+
+
+
+function openParseModal(row: EmailBillMessage) {
+  parseMessageRow.value = row
+  parseStage.value = 'select'
+  parseBillType.value = (row.billType || 'ALIPAY') as BillType
+  parsePassword.value = ''
+  parsedRows.value = []
+  parseResult.value = null
+  parseModalVisible.value = true
+}
+
+async function doParse() {
+  if (!parseMessageRow.value) return
+  parsing.value = true
+  try {
+    const res: any = await parseEmailBillMessage(parseMessageRow.value.id, {
+      billType: parseBillType.value,
+      password: parsePassword.value || undefined,
+    })
+    parsedRows.value = res.data.rows || []
+    parseStage.value = 'preview'
+    await loadMessages()
+  } catch (e: any) {
+    message.error(e.message || t('emailBill.parse.parseFailed'))
+  } finally {
+    parsing.value = false
+  }
+}
+
+async function handleImport(payload: {
+  items: BillImportItem[]
+  expenseCategoryId: number | null
+  incomeCategoryId: number | null
+  tagIds: number[]
+}) {
+  if (!parseMessageRow.value) return
+  importing.value = true
+  try {
+    const res: any = await importEmailBillMessage(parseMessageRow.value.id, {
+      billType: parseBillType.value,
+      expenseCategoryId: payload.expenseCategoryId,
+      incomeCategoryId: payload.incomeCategoryId,
+      tagIds: payload.tagIds.length ? payload.tagIds : undefined,
+      items: payload.items,
+    })
+    parseResult.value = res.data
+    parseStage.value = 'result'
+    message.success(t('emailBill.parse.importSuccess'))
+    await loadMessages()
+  } catch (e: any) {
+    message.error(e.message || t('import.importFailed'))
+  } finally {
+    importing.value = false
+  }
+}
+
+// ===== 路由与标签页同步 =====
+// URL 子路径变化（如浏览器前进/后退）时同步标签页
+watch(() => route.params.tab, (tab) => {
+  const target = (tab as string) || 'configs'
+  if (target !== activeTab.value) {
+    activeTab.value = target
+  }
+})
+
+// 标签页切换：记住偏好并同步 URL 子路径
+watch(activeTab, (tab) => {
+  localStorage.setItem(EMAIL_BILL_TAB_KEY, tab)
+  if ((route.params.tab as string) !== tab) {
+    router.push(`/email-bills/${tab}`)
+  }
+}, { immediate: true })
+
+// ===== 生命周期 =====
+let timer: number | null = null
+
+onMounted(async () => {
+  await loadOptions()
+  await Promise.all([loadConfigs(), loadSenderRules(), loadMessages()])
+  timer = window.setInterval(() => {
+    if (activeTab.value === 'messages') {
+      loadMessages()
+    }
+  }, MESSAGE_REFRESH_MS)
+})
+
+onUnmounted(() => {
+  if (timer) window.clearInterval(timer)
+  stopCheckStream()
+})
+</script>
+
+<template>
+  <NCard :title="t('emailBill.title')" :bordered="true">
+    <NTabs v-model:value="activeTab" type="line">
+      <!-- 邮箱配置 -->
+      <NTabPane name="configs" :tab="t('emailBill.tab.configs')">
+        <NSpace vertical :size="12">
+          <NSpace justify="end">
+            <NButton type="primary" @click="openConfigModal()">{{ t('emailBill.common.add') }}</NButton>
+          </NSpace>
+          <NDataTable :columns="configColumns" :data="configs" :loading="configLoading" :row-key="(r: EmailBillConfig) => r.id" size="small" :bordered="false" />
+          <NCard
+            v-if="checkRunning || checkLogs.length"
+            size="small"
+            :title="t('emailBill.config.checkLogTitle')"
+          >
+            <template #header-extra>
+              <NSpace align="center" :size="8">
+                <NTag v-if="checkRunning" size="small" type="info">{{ t('emailBill.config.checkRunning') }}</NTag>
+                <NButton v-else size="tiny" @click="checkLogs = []">{{ t('emailBill.config.checkClear') }}</NButton>
+              </NSpace>
+            </template>
+            <NLog :rows="checkLogs" :loading="checkRunning" style="max-height: 240px;" />
+          </NCard>
+        </NSpace>
+      </NTabPane>
+
+      <!-- 发件人规则 -->
+      <NTabPane name="senderRules" :tab="t('emailBill.tab.senderRules')">
+        <NSpace vertical :size="12">
+          <NSpace justify="end">
+            <NButton type="primary" @click="openRuleModal()">{{ t('emailBill.common.add') }}</NButton>
+          </NSpace>
+          <NDataTable :columns="ruleColumns" :data="senderRules" :loading="ruleLoading" :row-key="(r: EmailBillSenderRule) => r.id" size="small" :bordered="false" />
+        </NSpace>
+      </NTabPane>
+
+      <!-- 待处理账单 -->
+      <NTabPane name="messages" :tab="t('emailBill.tab.messages')">
+        <NSpace vertical :size="12">
+          <NSpace align="center">
+            <NSelect
+              v-model:value="messageStatus"
+              :options="[
+                { label: t('emailBill.message.statusText.PULLED'), value: 'PULLED' },
+                { label: t('emailBill.message.statusText.CONFIRMED'), value: 'CONFIRMED' },
+                { label: t('emailBill.message.statusText.IGNORED'), value: 'IGNORED' },
+              ]"
+              clearable
+              :placeholder="t('emailBill.message.filterStatus')"
+              style="width: 160px;"
+              @update:value="() => { messagePage = 1; loadMessages() }"
+            />
+            <NButton @click="loadMessages">{{ t('emailBill.common.refresh') }}</NButton>
+          </NSpace>
+          <NDataTable
+            :columns="messageColumns"
+            :data="messages"
+            :loading="messageLoading"
+            :row-key="(r: EmailBillMessage) => r.id"
+            size="small"
+            :bordered="false"
+            remote
+            :pagination="{
+              page: messagePage, pageSize: messageSize, itemCount: messageTotal, showSizePicker: false,
+              onUpdatePage: (p: number) => { messagePage = p; loadMessages() },
+            }"
+          />
+        </NSpace>
+      </NTabPane>
+    </NTabs>
+
+    <!-- 邮箱配置弹窗 -->
+    <NModal v-model:show="configModalVisible" preset="card" :title="t('emailBill.tab.configs')" style="width: 560px; max-width: 92vw;">
+      <NForm label-placement="left" label-width="130">
+        <NFormItem :label="t('emailBill.config.name')">
+          <NInput v-model:value="configForm.name" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.host')">
+          <NSelect
+            v-model:value="configForm.host"
+            :options="imapHostOptions"
+            filterable
+            tag
+            clearable
+            :placeholder="t('emailBill.config.hostPlaceholder')"
+            @update:value="handleHostChange"
+          />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.port')">
+          <NInputNumber v-model:value="configForm.port" :min="1" :max="65535" style="width: 160px;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.ssl')">
+          <NSwitch v-model:value="configForm.ssl" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.username')">
+          <NInput v-model:value="configForm.username" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.password')">
+          <NInput v-model:value="configForm.password" type="password" show-password-on="click" :placeholder="t('emailBill.config.passwordPlaceholder')" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.folder')">
+          <NInput v-model:value="configForm.folder" placeholder="INBOX" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.defaultExpenseCategory')">
+          <NSelect v-model:value="configForm.expenseCategoryId" :options="expenseCategories" :render-label="renderCategoryLabel" filterable clearable style="width: 100%;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.defaultIncomeCategory')">
+          <NSelect v-model:value="configForm.incomeCategoryId" :options="incomeCategories" :render-label="renderCategoryLabel" filterable clearable style="width: 100%;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.defaultTags')">
+          <NSelect v-model:value="configForm.tagIds" :options="allTags" multiple clearable filterable style="width: 100%;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.config.fetchScope')">
+          <NSpace align="center" :size="8">
+            <NSelect v-model:value="configForm.fetchScope" :options="fetchScopeOptions" style="width: 160px;" />
+            <NInputNumber
+              v-if="configForm.fetchScope === 'DAYS'"
+              v-model:value="configForm.fetchLimit"
+              :min="1"
+              :max="365"
+              :placeholder="t('emailBill.config.fetchLimitDays')"
+              style="width: 140px;"
+            />
+            <NInputNumber
+              v-else-if="configForm.fetchScope === 'COUNT'"
+              v-model:value="configForm.fetchLimit"
+              :min="1"
+              :max="500"
+              :placeholder="t('emailBill.config.fetchLimitCount')"
+              style="width: 140px;"
+            />
+          </NSpace>
+        </NFormItem>
+        <NFormItem :label="t('emailBill.common.enabled')">
+          <NSwitch v-model:value="configForm.enabled" />
+        </NFormItem>
+      </NForm>
+      <template #footer>
+        <NSpace justify="end">
+          <NButton @click="configModalVisible = false">{{ t('emailBill.common.cancel') }}</NButton>
+          <NButton type="primary" @click="saveConfig">{{ t('emailBill.common.save') }}</NButton>
+        </NSpace>
+      </template>
+    </NModal>
+
+    <!-- 发件人规则弹窗 -->
+    <NModal v-model:show="ruleModalVisible" preset="card" :title="t('emailBill.tab.senderRules')" style="width: 560px; max-width: 92vw;">
+      <NForm label-placement="left" label-width="130">
+        <NFormItem :label="t('emailBill.senderRule.name')">
+          <NInput v-model:value="ruleForm.name" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.senderRule.patterns')">
+          <NInput v-model:value="ruleForm.patternsText" type="textarea" :autosize="{ minRows: 3, maxRows: 6 }" :placeholder="t('emailBill.senderRule.patternsHint')" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.senderRule.billType')">
+          <NSelect v-model:value="ruleForm.billType" :options="billTypeOptions" style="width: 100%;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.senderRule.archivePassword')">
+          <NInput v-model:value="ruleForm.archivePassword" :placeholder="t('emailBill.senderRule.archivePasswordPlaceholder')" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.senderRule.defaultExpenseCategory')">
+          <NSelect v-model:value="ruleForm.expenseCategoryId" :options="expenseCategories" :render-label="renderCategoryLabel" filterable clearable style="width: 100%;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.senderRule.defaultIncomeCategory')">
+          <NSelect v-model:value="ruleForm.incomeCategoryId" :options="incomeCategories" :render-label="renderCategoryLabel" filterable clearable style="width: 100%;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.senderRule.defaultTags')">
+          <NSelect v-model:value="ruleForm.tagIds" :options="allTags" multiple clearable filterable style="width: 100%;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.senderRule.sortOrder')">
+          <NInputNumber v-model:value="ruleForm.sortOrder" :min="0" style="width: 160px;" />
+        </NFormItem>
+        <NFormItem :label="t('emailBill.common.enabled')">
+          <NSwitch v-model:value="ruleForm.enabled" />
+        </NFormItem>
+      </NForm>
+      <template #footer>
+        <NSpace justify="end">
+          <NButton @click="ruleModalVisible = false">{{ t('emailBill.common.cancel') }}</NButton>
+          <NButton type="primary" @click="saveRule">{{ t('emailBill.common.save') }}</NButton>
+        </NSpace>
+      </template>
+    </NModal>
+
+    <!-- 解析弹窗 -->
+    <NModal v-model:show="parseModalVisible" preset="card" :title="t('emailBill.parse.title')" style="width: 1000px; max-width: 94vw;" :mask-closable="false">
+      <!-- 第一步：选择类型与密码并解析 -->
+      <NSpace v-if="parseStage === 'select'" vertical :size="12">
+        <NAlert type="info" :show-icon="true">
+          {{ parseMessageRow?.fromAddress }} · {{ parseMessageRow?.attachmentName }}
+        </NAlert>
+        <NSpace align="center">
+          <NText>{{ t('emailBill.parse.billType') }}</NText>
+          <NSelect v-model:value="parseBillType" :options="billTypeOptions" style="width: 160px;" />
+          <NText>{{ t('emailBill.parse.password') }}</NText>
+          <NInput v-model:value="parsePassword" type="password" show-password-on="click" :placeholder="t('emailBill.senderRule.archivePasswordPlaceholder')" style="width: 200px;" />
+        </NSpace>
+        <NSpace justify="end">
+          <NButton @click="parseModalVisible = false">{{ t('emailBill.common.cancel') }}</NButton>
+          <NButton type="primary" :loading="parsing" @click="doParse">{{ t('emailBill.parse.parseButton') }}</NButton>
+        </NSpace>
+      </NSpace>
+
+      <!-- 第二步：预览并勾选（复用共用预览组件） -->
+      <BillPreviewPanel
+        v-else-if="parseStage === 'preview'"
+        :rows="parsedRows"
+        :importing="importing"
+        @confirm="handleImport"
+        @back="parseStage = 'select'"
+      />
+
+      <!-- 第三步：导入结果（复用共用结果组件） -->
+      <BillImportResult v-else :result="parseResult" @done="parseModalVisible = false" />
+    </NModal>
+  </NCard>
+</template>
diff --git a/frontend/src/views/Layout.vue b/frontend/src/views/Layout.vue
index 3e0c567..674b287 100644
--- a/frontend/src/views/Layout.vue
+++ b/frontend/src/views/Layout.vue
@@ -5,7 +5,7 @@ import { useRouter, useRoute } from 'vue-router'
 import { useI18n } from 'vue-i18n'
 import { NLayout, NLayoutSider, NLayoutContent, NLayoutHeader, NMenu, NSpace, NIcon, NDropdown } from 'naive-ui'
 import type { MenuOption } from 'naive-ui'
-import { BarChartOutline, ListOutline, FolderOpenOutline, PricetagsOutline, OptionsOutline, DocumentTextOutline, SettingsOutline, LogOutOutline, ChevronDownOutline } from '@vicons/ionicons5'
+import { BarChartOutline, ListOutline, FolderOpenOutline, PricetagsOutline, OptionsOutline, MailOutline, DocumentTextOutline, SettingsOutline, LogOutOutline, ChevronDownOutline, WalletOutline } from '@vicons/ionicons5'
 import { useUserStore } from '../store/user'
 import LocaleSwitch from '../components/LocaleSwitch.vue'
 
@@ -22,8 +22,15 @@ const activeKey = computed(() => {
     '/categories': 'categories',
     '/tags': 'tags',
     '/rules': 'rules',
+    '/email-bills': 'email-bills',
   }
-  return map[route.path] || 'dashboard'
+  // 支持子路径（如 /email-bills/messages）匹配到父级菜单
+  for (const [path, key] of Object.entries(map)) {
+    if (route.path === path || route.path.startsWith(`${path}/`)) {
+      return key
+    }
+  }
+  return 'dashboard'
 })
 
 /** 渲染菜单图标的高阶函数 */
@@ -38,6 +45,7 @@ const menuOptions = computed<MenuOption[]>(() => [
   { label: t('layout.categories'), key: 'categories', icon: renderIcon(FolderOpenOutline) },
   { label: t('layout.tags'), key: 'tags', icon: renderIcon(PricetagsOutline) },
   { label: t('layout.rules'), key: 'rules', icon: renderIcon(OptionsOutline) },
+  { label: t('layout.emailBills'), key: 'email-bills', icon: renderIcon(MailOutline) },
 ])
 
 /** 菜单点击事件：根据 key 导航到对应路由 */
@@ -79,8 +87,14 @@ function handleLogout() {
       content-style="padding: 12px;"
     >
       <!-- 系统标题 -->
-      <div style="text-align: center; padding: 16px 0; font-size: 18px; font-weight: bold; color: #333;">
-        {{ t('layout.appTitle') }}
+      <div class="app-brand">
+        <div class="app-brand__logo">
+          <NIcon :component="WalletOutline" size="18" />
+        </div>
+        <div class="app-brand__text">
+          <span class="app-brand__title">{{ t('layout.appTitle') }}</span>
+          <span class="app-brand__subtitle">{{ t('layout.appSubtitle') }}</span>
+        </div>
       </div>
       <!-- 导航菜单 -->
       <NMenu
@@ -109,3 +123,41 @@ function handleLogout() {
     </NLayout>
   </NLayout>
 </template>
+
+<style scoped>
+/* 左上角品牌区：图标徽标 + 主标题 + 副标题 */
+.app-brand {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  padding: 4px 0 16px 6px;
+}
+.app-brand__logo {
+  width: 32px;
+  height: 32px;
+  flex-shrink: 0;
+  display: flex;
+  align-items: center;
+  justify-content: center;
+  border-radius: 8px;
+  color: #fff;
+  background: linear-gradient(135deg, #36ad6a, #18a058);
+  box-shadow: 0 2px 6px rgba(24, 160, 88, 0.28);
+}
+.app-brand__text {
+  display: flex;
+  flex-direction: column;
+  line-height: 1.2;
+}
+.app-brand__title {
+  font-size: 15px;
+  font-weight: 600;
+  color: #1f1f1f;
+}
+.app-brand__subtitle {
+  font-size: 11px;
+  color: #9aa0a6;
+  letter-spacing: 0.4px;
+  margin-top: 1px;
+}
+</style>
diff --git a/frontend/src/views/TransactionList.vue b/frontend/src/views/TransactionList.vue
index 0aef4ec..d84c3fa 100644
--- a/frontend/src/views/TransactionList.vue
+++ b/frontend/src/views/TransactionList.vue
@@ -10,11 +10,12 @@ import { getAiConfig, suggestByAi, suggestOneByAi, applyAiSuggestions, queryByAi
 import type { AiSuggestion, AiQueryResult, AiRecordResult } from '../api/ai'
 import { getCategoryList, createCategory } from '../api/category'
 import { getTagList, createTag } from '../api/tag'
+import { getPaymentLabel } from '../utils/payment'
 import BillImportModal from './BillImportModal.vue'
 
 const message = useMessage() // 消息提示
 const dialog = useDialog() // 对话框
-const { t, te } = useI18n() // 国际化
+const { t } = useI18n() // 国际化
 
 /** 交易记录数据结构 */
 interface TransactionItem {
@@ -431,13 +432,6 @@ function formatTimestamp(ts: number, isEnd = false): string {
   return `${date}T${time}`
 }
 
-/** 将支付方式编码转换为当前语言的标签 */
-function getPaymentLabel(val: string) {
-  if (!val) return '-'
-  const key = `common.payment.${val.toLowerCase()}`
-  return te(key) ? t(key) : val
-}
-
 /** 分类下拉项渲染：图标 + 名称（下拉选项与已选项均生效） */
 function renderCategoryLabel(option: any) {
   return h('span', null, [
diff --git a/src/main/java/cn/rosercode/finance/common/GlobalExceptionHandler.java b/src/main/java/cn/rosercode/finance/common/GlobalExceptionHandler.java
index 33af329..4a1b6b0 100644
--- a/src/main/java/cn/rosercode/finance/common/GlobalExceptionHandler.java
+++ b/src/main/java/cn/rosercode/finance/common/GlobalExceptionHandler.java
@@ -31,7 +31,7 @@ public class GlobalExceptionHandler {
      */
     @ExceptionHandler(BusinessException.class)
     public Result<Void> handleBusinessException(BusinessException e) {
-        log.warn("业务异常[{}]: {}", e.getCode(), e.getMessage());
+        log.debug("业务异常[{}]: {}", e.getCode(), e.getMessage());
         return Result.error(e.getCode(), e.getMessage());
     }
 
@@ -57,7 +57,7 @@ public class GlobalExceptionHandler {
     public Result<Void> handleValidationException(MethodArgumentNotValidException e) {
         // 提取第一个校验错误信息
         String message = e.getBindingResult().getAllErrors().get(0).getDefaultMessage();
-        log.warn("参数校验失败: {}", message);
+        log.debug("参数校验失败: {}", message);
         return Result.error(400, message);
     }
 
diff --git a/src/main/java/cn/rosercode/finance/controller/EmailBillController.java b/src/main/java/cn/rosercode/finance/controller/EmailBillController.java
new file mode 100644
index 0000000..a6d74af
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/controller/EmailBillController.java
@@ -0,0 +1,340 @@
+package cn.rosercode.finance.controller;
+
+import java.util.List;
+
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.Parameter;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.validation.Valid;
+import lombok.Data;
+import org.springframework.web.bind.annotation.DeleteMapping;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.PathVariable;
+import org.springframework.web.bind.annotation.PostMapping;
+import org.springframework.web.bind.annotation.PutMapping;
+import org.springframework.web.bind.annotation.RequestBody;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RequestParam;
+import org.springframework.web.bind.annotation.RestController;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+
+import cn.rosercode.finance.common.PageResult;
+import cn.rosercode.finance.common.Result;
+import cn.rosercode.finance.dto.BillImportRequest;
+import cn.rosercode.finance.dto.EmailBillConfigRequest;
+import cn.rosercode.finance.dto.EmailBillParseRequest;
+import cn.rosercode.finance.dto.EmailBillSenderRuleRequest;
+import cn.rosercode.finance.email.EmailBillMonitorManager;
+import cn.rosercode.finance.service.EmailBillCheckStreamService;
+import cn.rosercode.finance.service.EmailBillConfigService;
+import cn.rosercode.finance.service.EmailBillMessageService;
+import cn.rosercode.finance.service.EmailBillSenderRuleService;
+import cn.rosercode.finance.util.UserContext;
+import cn.rosercode.finance.vo.BillImportResultVO;
+import cn.rosercode.finance.vo.BillParseResultVO;
+import cn.rosercode.finance.vo.EmailBillConfigVO;
+import cn.rosercode.finance.vo.EmailBillMessageVO;
+import cn.rosercode.finance.vo.EmailBillSenderRuleVO;
+
+/**
+ * 邮箱账单控制器
+ *
+ * <p>提供 IMAP 邮箱配置与发件人识别规则的增删改查、启停与连接测试接口；
+ * 邮件拉取与账单导入接口在后续版本补充。</p>
+ *
+ * @date 2026-09-19 16:41:41
+ */
+@RestController
+@RequestMapping("/api/email-bill")
+@Tag(name = "邮箱账单", description = "IMAP 邮箱配置与发件人识别规则相关接口")
+public class EmailBillController {
+
+    private final EmailBillConfigService configService;
+    private final EmailBillSenderRuleService senderRuleService;
+    private final EmailBillMessageService messageService;
+    private final EmailBillMonitorManager monitorManager;
+    private final EmailBillCheckStreamService checkStreamService;
+
+    public EmailBillController(EmailBillConfigService configService,
+                               EmailBillSenderRuleService senderRuleService,
+                               EmailBillMessageService messageService,
+                               EmailBillMonitorManager monitorManager,
+                               EmailBillCheckStreamService checkStreamService) {
+        this.configService = configService;
+        this.senderRuleService = senderRuleService;
+        this.messageService = messageService;
+        this.monitorManager = monitorManager;
+        this.checkStreamService = checkStreamService;
+    }
+
+    /**
+     * 获取邮箱配置列表
+     *
+     * @return 邮箱配置列表
+     */
+    @GetMapping("/configs")
+    @Operation(summary = "获取邮箱配置列表", description = "获取当前用户的全部 IMAP 邮箱配置，授权码已脱敏")
+    public Result<List<EmailBillConfigVO>> listConfigs() {
+        Long userId = UserContext.getUserId();
+        return Result.success(configService.list(userId));
+    }
+
+    /**
+     * 创建邮箱配置
+     *
+     * @param request 配置请求参数
+     * @return 新配置ID
+     */
+    @PostMapping("/configs")
+    @Operation(summary = "创建邮箱配置", description = "为当前用户新增 IMAP 邮箱监听配置")
+    public Result<Long> createConfig(@RequestBody @Valid EmailBillConfigRequest request) {
+        Long userId = UserContext.getUserId();
+        return Result.success(configService.create(userId, request));
+    }
+
+    /**
+     * 更新邮箱配置
+     *
+     * @param id      配置ID
+     * @param request 配置请求参数
+     * @return 操作结果
+     */
+    @PutMapping("/configs/{id}")
+    @Operation(summary = "更新邮箱配置", description = "更新指定邮箱配置，授权码留空表示不修改")
+    public Result<Void> updateConfig(@Parameter(description = "配置ID") @PathVariable Long id,
+                                     @RequestBody @Valid EmailBillConfigRequest request) {
+        Long userId = UserContext.getUserId();
+        configService.update(userId, id, request);
+        return Result.success();
+    }
+
+    /**
+     * 删除邮箱配置
+     *
+     * @param id 配置ID
+     * @return 操作结果
+     */
+    @DeleteMapping("/configs/{id}")
+    @Operation(summary = "删除邮箱配置", description = "删除指定邮箱配置及其已拉取的消息记录")
+    public Result<Void> deleteConfig(@Parameter(description = "配置ID") @PathVariable Long id) {
+        Long userId = UserContext.getUserId();
+        configService.delete(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 启用或停用邮箱配置
+     *
+     * @param id      配置ID
+     * @param enabled 是否启用
+     * @return 操作结果
+     */
+    @PutMapping("/configs/{id}/enabled")
+    @Operation(summary = "启用/停用邮箱配置", description = "切换指定邮箱配置的启用状态，启用后开始监听新邮件")
+    public Result<Void> toggleConfig(@Parameter(description = "配置ID") @PathVariable Long id,
+                                     @RequestBody EnabledRequest enabled) {
+        Long userId = UserContext.getUserId();
+        configService.toggleEnabled(userId, id, enabled.getEnabled());
+        return Result.success();
+    }
+
+    /**
+     * 测试邮箱连接
+     *
+     * @param id 配置ID
+     * @return 操作结果
+     */
+    @PostMapping("/configs/{id}/test")
+    @Operation(summary = "测试邮箱连接", description = "使用指定配置建立 IMAP 连接并回写连接状态")
+    public Result<Void> testConfig(@Parameter(description = "配置ID") @PathVariable Long id) {
+        Long userId = UserContext.getUserId();
+        configService.testConnection(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 获取发件人规则列表
+     *
+     * @return 发件人规则列表
+     */
+    @GetMapping("/sender-rules")
+    @Operation(summary = "获取发件人规则列表", description = "获取当前用户的全部发件人识别规则，按优先级排序")
+    public Result<List<EmailBillSenderRuleVO>> listSenderRules() {
+        Long userId = UserContext.getUserId();
+        return Result.success(senderRuleService.list(userId));
+    }
+
+    /**
+     * 创建发件人规则
+     *
+     * @param request 规则请求参数
+     * @return 新规则ID
+     */
+    @PostMapping("/sender-rules")
+    @Operation(summary = "创建发件人规则", description = "新增发件人识别规则，命中后确定账单类型与默认归类")
+    public Result<Long> createSenderRule(@RequestBody @Valid EmailBillSenderRuleRequest request) {
+        Long userId = UserContext.getUserId();
+        return Result.success(senderRuleService.create(userId, request));
+    }
+
+    /**
+     * 更新发件人规则
+     *
+     * @param id      规则ID
+     * @param request 规则请求参数
+     * @return 操作结果
+     */
+    @PutMapping("/sender-rules/{id}")
+    @Operation(summary = "更新发件人规则", description = "根据规则ID更新发件人识别规则")
+    public Result<Void> updateSenderRule(@Parameter(description = "规则ID") @PathVariable Long id,
+                                         @RequestBody @Valid EmailBillSenderRuleRequest request) {
+        Long userId = UserContext.getUserId();
+        senderRuleService.update(userId, id, request);
+        return Result.success();
+    }
+
+    /**
+     * 删除发件人规则
+     *
+     * @param id 规则ID
+     * @return 操作结果
+     */
+    @DeleteMapping("/sender-rules/{id}")
+    @Operation(summary = "删除发件人规则", description = "根据规则ID删除指定发件人识别规则")
+    public Result<Void> deleteSenderRule(@Parameter(description = "规则ID") @PathVariable Long id) {
+        Long userId = UserContext.getUserId();
+        senderRuleService.delete(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 启用或停用发件人规则
+     *
+     * @param id      规则ID
+     * @param enabled 是否启用
+     * @return 操作结果
+     */
+    @PutMapping("/sender-rules/{id}/enabled")
+    @Operation(summary = "启用/停用发件人规则", description = "切换指定发件人规则的启用状态")
+    public Result<Void> toggleSenderRule(@Parameter(description = "规则ID") @PathVariable Long id,
+                                         @RequestBody EnabledRequest enabled) {
+        Long userId = UserContext.getUserId();
+        senderRuleService.toggleEnabled(userId, id, enabled.getEnabled());
+        return Result.success();
+    }
+
+    /**
+     * 立即检查邮箱新邮件
+     *
+     * @param id 配置ID
+     * @return 新登记的待解析消息数量
+     */
+    @PostMapping("/configs/{id}/check")
+    @Operation(summary = "立即检查邮箱", description = "立即连接邮箱并增量拉取新邮件附件")
+    public Result<Integer> checkConfig(@Parameter(description = "配置ID") @PathVariable Long id) {
+        Long userId = UserContext.getUserId();
+        configService.getRawConfig(userId, id);
+        return Result.success(monitorManager.checkNow(id));
+    }
+
+    /**
+     * 立即检查邮箱（实时进度）
+     *
+     * @param id 配置ID
+     * @return SSE 进度流
+     */
+    @GetMapping("/configs/{id}/check/stream")
+    @Operation(summary = "立即检查邮箱（实时进度）", description = "以 SSE 实时推送立即检查的执行进度，结束时返回新增待处理条数")
+    public SseEmitter checkConfigStream(@Parameter(description = "配置ID") @PathVariable Long id) {
+        Long userId = UserContext.getUserId();
+        return checkStreamService.stream(userId, id);
+    }
+
+    /**
+     * 分页查询账单消息
+     *
+     * @param status   处理状态筛选
+     * @param configId 邮箱配置ID筛选
+     * @param page     页码
+     * @param size     每页大小
+     * @return 分页结果
+     */
+    @GetMapping("/messages")
+    @Operation(summary = "查询账单消息", description = "分页查询拉取到的账单消息，可按状态与邮箱筛选")
+    public Result<PageResult<EmailBillMessageVO>> pageMessages(
+            @Parameter(description = "处理状态") @RequestParam(required = false) String status,
+            @Parameter(description = "邮箱配置ID") @RequestParam(required = false) Long configId,
+            @Parameter(description = "页码") @RequestParam(defaultValue = "1") int page,
+            @Parameter(description = "每页大小") @RequestParam(defaultValue = "20") int size) {
+        Long userId = UserContext.getUserId();
+        return Result.success(messageService.page(userId, status, configId, page, size));
+    }
+
+    /**
+     * 解析账单附件（不落库）
+     *
+     * @param id      消息ID
+     * @param request 解析请求
+     * @return 解析预览结果
+     */
+    @PostMapping("/messages/{id}/parse")
+    @Operation(summary = "解析账单附件", description = "读取本地附件并返回预览数据，可覆盖账单类型与解压密码")
+    public Result<BillParseResultVO> parseMessage(@Parameter(description = "消息ID") @PathVariable Long id,
+                                                  @RequestBody(required = false) EmailBillParseRequest request) {
+        Long userId = UserContext.getUserId();
+        return Result.success(messageService.parse(userId, id, request));
+    }
+
+    /**
+     * 确认导入勾选的账单行
+     *
+     * @param id      消息ID
+     * @param request 导入请求
+     * @return 导入结果统计
+     */
+    @PostMapping("/messages/{id}/import")
+    @Operation(summary = "导入账单", description = "将用户勾选的账单行写入交易记录，成功后标记消息为已导入")
+    public Result<BillImportResultVO> importMessage(@Parameter(description = "消息ID") @PathVariable Long id,
+                                                    @RequestBody @Valid BillImportRequest request) {
+        Long userId = UserContext.getUserId();
+        return Result.success(messageService.importBill(userId, id, request));
+    }
+
+    /**
+     * 忽略账单消息
+     *
+     * @param id 消息ID
+     * @return 操作结果
+     */
+    @PutMapping("/messages/{id}/ignore")
+    @Operation(summary = "忽略账单消息", description = "将指定消息标记为已忽略")
+    public Result<Void> ignoreMessage(@Parameter(description = "消息ID") @PathVariable Long id) {
+        Long userId = UserContext.getUserId();
+        messageService.ignore(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 删除账单消息
+     *
+     * @param id 消息ID
+     * @return 操作结果
+     */
+    @DeleteMapping("/messages/{id}")
+    @Operation(summary = "删除账单消息", description = "删除指定消息及其本地附件")
+    public Result<Void> deleteMessage(@Parameter(description = "消息ID") @PathVariable Long id) {
+        Long userId = UserContext.getUserId();
+        messageService.delete(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 启用状态请求体
+     */
+    @Data
+    public static class EnabledRequest {
+
+        /** 是否启用 */
+        private Boolean enabled;
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/converter/VoConverter.java b/src/main/java/cn/rosercode/finance/converter/VoConverter.java
index e2ca976..b910981 100644
--- a/src/main/java/cn/rosercode/finance/converter/VoConverter.java
+++ b/src/main/java/cn/rosercode/finance/converter/VoConverter.java
@@ -8,6 +8,9 @@ import org.mapstruct.ReportingPolicy;
 
 import cn.rosercode.finance.entity.AiUsage;
 import cn.rosercode.finance.entity.Category;
+import cn.rosercode.finance.entity.EmailBillConfig;
+import cn.rosercode.finance.entity.EmailBillMessage;
+import cn.rosercode.finance.entity.EmailBillSenderRule;
 import cn.rosercode.finance.entity.HttpLog;
 import cn.rosercode.finance.entity.LoginLog;
 import cn.rosercode.finance.entity.NotificationChannel;
@@ -18,6 +21,9 @@ import cn.rosercode.finance.entity.Transaction;
 import cn.rosercode.finance.entity.User;
 import cn.rosercode.finance.vo.AiUsageVO;
 import cn.rosercode.finance.vo.CategoryVO;
+import cn.rosercode.finance.vo.EmailBillConfigVO;
+import cn.rosercode.finance.vo.EmailBillMessageVO;
+import cn.rosercode.finance.vo.EmailBillSenderRuleVO;
 import cn.rosercode.finance.vo.HttpLogVO;
 import cn.rosercode.finance.vo.LoginLogVO;
 import cn.rosercode.finance.vo.NotificationChannelVO;
@@ -154,4 +160,38 @@ public interface VoConverter {
     @Mapping(target = "categoryIcon", source = "category.icon", defaultValue = "")
     @Mapping(target = "tags", ignore = true)
     RuleVO toRuleVO(Rule rule, Category category);
+
+    /**
+     * 邮箱账单配置实体转视图对象。
+     *
+     * <p>授权码不返回，仅标记是否已配置；默认标签列表由调用方解析填充。</p>
+     *
+     * @param config 邮箱配置实体
+     * @return 邮箱配置视图对象
+     */
+    @Mapping(target = "hasPassword",
+            expression = "java(config.getPassword() != null && !config.getPassword().isBlank())")
+    @Mapping(target = "ssl", source = "useSsl")
+    @Mapping(target = "tagIds", ignore = true)
+    EmailBillConfigVO toEmailBillConfigVO(EmailBillConfig config);
+
+    /**
+     * 邮箱账单发件人规则实体转视图对象。
+     *
+     * <p>发件人匹配串与默认标签列表由调用方解析填充。</p>
+     *
+     * @param rule 发件人规则实体
+     * @return 发件人规则视图对象
+     */
+    @Mapping(target = "senderPatterns", ignore = true)
+    @Mapping(target = "tagIds", ignore = true)
+    EmailBillSenderRuleVO toEmailBillSenderRuleVO(EmailBillSenderRule rule);
+
+    /**
+     * 邮箱账单消息实体转视图对象。
+     *
+     * @param message 消息实体
+     * @return 消息视图对象
+     */
+    EmailBillMessageVO toEmailBillMessageVO(EmailBillMessage message);
 }
diff --git a/src/main/java/cn/rosercode/finance/dto/EmailBillConfigRequest.java b/src/main/java/cn/rosercode/finance/dto/EmailBillConfigRequest.java
new file mode 100644
index 0000000..80ece35
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/dto/EmailBillConfigRequest.java
@@ -0,0 +1,57 @@
+package cn.rosercode.finance.dto;
+
+import java.util.List;
+
+import jakarta.validation.constraints.NotBlank;
+import lombok.Data;
+
+/**
+ * 邮箱账单配置请求DTO，用于创建或更新 IMAP 邮箱监听配置。
+ *
+ * @date 2026-09-19 16:40:37
+ */
+@Data
+public class EmailBillConfigRequest {
+
+    /** 配置名称，不能为空 */
+    @NotBlank(message = "配置名称不能为空")
+    private String name;
+
+    /** IMAP 服务器地址，不能为空 */
+    @NotBlank(message = "IMAP 服务器地址不能为空")
+    private String host;
+
+    /** IMAP 端口，可选，默认 993 */
+    private Integer port;
+
+    /** 是否使用 SSL，可选，默认启用 */
+    private Boolean ssl;
+
+    /** 邮箱账号，不能为空 */
+    @NotBlank(message = "邮箱账号不能为空")
+    private String username;
+
+    /** 邮箱授权码，更新时留空表示不修改 */
+    private String password;
+
+    /** 监听的邮件文件夹，可选，默认 INBOX */
+    private String folder;
+
+    /** 是否启用监听，可选，默认关闭 */
+    private Boolean enabled;
+
+    /** 默认支出分类ID，可选 */
+    private Long expenseCategoryId;
+
+    /** 默认收入分类ID，可选 */
+    private Long incomeCategoryId;
+
+    /** 默认标签ID列表，可选 */
+    private List<Long> tagIds;
+
+    /** 拉取范围：INCREMENT-仅新邮件，DAYS-最近N天，COUNT-最近N封，可选，默认 INCREMENT */
+    private String fetchScope;
+
+    /** 拉取范围数量：DAYS 为天数，COUNT 为封数，可选 */
+    private Integer fetchLimit;
+}
diff --git a/src/main/java/cn/rosercode/finance/dto/EmailBillParseRequest.java b/src/main/java/cn/rosercode/finance/dto/EmailBillParseRequest.java
new file mode 100644
index 0000000..bb14d93
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/dto/EmailBillParseRequest.java
@@ -0,0 +1,20 @@
+package cn.rosercode.finance.dto;
+
+import lombok.Data;
+
+/**
+ * 邮箱账单解析请求DTO，用于手动触发待处理附件的解析。
+ *
+ * <p>账单类型与解压密码默认取发件人规则，可在请求中覆盖，便于用户手动纠正。</p>
+ *
+ * @date 2026-09-19 16:48:34
+ */
+@Data
+public class EmailBillParseRequest {
+
+    /** 账单类型，为空时使用发件人规则识别的类型 */
+    private String billType;
+
+    /** 压缩包解压密码，为空时使用发件人规则配置的密码 */
+    private String password;
+}
diff --git a/src/main/java/cn/rosercode/finance/dto/EmailBillSenderRuleRequest.java b/src/main/java/cn/rosercode/finance/dto/EmailBillSenderRuleRequest.java
new file mode 100644
index 0000000..75baf28
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/dto/EmailBillSenderRuleRequest.java
@@ -0,0 +1,44 @@
+package cn.rosercode.finance.dto;
+
+import java.util.List;
+
+import jakarta.validation.constraints.NotBlank;
+import lombok.Data;
+
+/**
+ * 邮箱账单发件人规则请求DTO，用于创建或更新发件人识别规则。
+ *
+ * @date 2026-09-19 16:40:39
+ */
+@Data
+public class EmailBillSenderRuleRequest {
+
+    /** 规则名称，不能为空 */
+    @NotBlank(message = "规则名称不能为空")
+    private String name;
+
+    /** 是否启用，可选，默认启用 */
+    private Boolean enabled;
+
+    /** 优先级，数值越小越优先，可选 */
+    private Integer sortOrder;
+
+    /** 发件人匹配串列表，至少一个 */
+    private List<String> senderPatterns;
+
+    /** 命中的账单类型，不能为空 */
+    @NotBlank(message = "请选择账单类型")
+    private String billType;
+
+    /** 该来源账单压缩包解压密码，可选 */
+    private String archivePassword;
+
+    /** 默认支出分类ID，可选 */
+    private Long expenseCategoryId;
+
+    /** 默认收入分类ID，可选 */
+    private Long incomeCategoryId;
+
+    /** 默认标签ID列表，可选 */
+    private List<Long> tagIds;
+}
diff --git a/src/main/java/cn/rosercode/finance/dto/StatisticsRangeQuery.java b/src/main/java/cn/rosercode/finance/dto/StatisticsRangeQuery.java
index fd20cce..574965e 100644
--- a/src/main/java/cn/rosercode/finance/dto/StatisticsRangeQuery.java
+++ b/src/main/java/cn/rosercode/finance/dto/StatisticsRangeQuery.java
@@ -39,4 +39,10 @@ public class StatisticsRangeQuery {
 
     /** 备注关键字，模糊匹配 */
     private String remark;
+
+    /**
+     * 统计口径：INCLUDED-仅计入统计（默认）、ALL-全部记录、EXCLUDED-仅不计入统计。
+     * 为空时按 INCLUDED 处理，兼容旧调用。
+     */
+    private String statsScope;
 }
diff --git a/src/main/java/cn/rosercode/finance/email/EmailAttachment.java b/src/main/java/cn/rosercode/finance/email/EmailAttachment.java
new file mode 100644
index 0000000..92f5014
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailAttachment.java
@@ -0,0 +1,29 @@
+package cn.rosercode.finance.email;
+
+import lombok.Data;
+
+/**
+ * 邮件附件中间对象，承载从邮件中提取出的附件文件名与字节内容。
+ *
+ * @date 2026-09-19 16:43:43
+ */
+@Data
+public class EmailAttachment {
+
+    /** 附件文件名 */
+    private String fileName;
+
+    /** 附件字节内容 */
+    private byte[] content;
+
+    /**
+     * 构造附件对象。
+     *
+     * @param fileName 附件文件名
+     * @param content  附件字节内容
+     */
+    public EmailAttachment(String fileName, byte[] content) {
+        this.fileName = fileName;
+        this.content = content;
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/email/EmailAttachmentExtractor.java b/src/main/java/cn/rosercode/finance/email/EmailAttachmentExtractor.java
new file mode 100644
index 0000000..648ce23
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailAttachmentExtractor.java
@@ -0,0 +1,139 @@
+package cn.rosercode.finance.email;
+
+import java.io.ByteArrayOutputStream;
+import java.io.IOException;
+import java.io.InputStream;
+import java.io.UnsupportedEncodingException;
+import java.util.ArrayList;
+import java.util.List;
+
+import jakarta.mail.MessagingException;
+import jakarta.mail.Multipart;
+import jakarta.mail.Part;
+import jakarta.mail.internet.MimeUtility;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Component;
+
+/**
+ * 邮件附件提取器，从 MIME 邮件中递归提取附件文件名与字节内容。
+ *
+ * <p>仅处理带文件名且非纯正文的部件，并限制单个附件与整封邮件的总大小，
+ * 避免超大附件导致内存膨胀。</p>
+ *
+ * @date 2026-09-19 16:43:47
+ */
+@Component
+@Slf4j
+public class EmailAttachmentExtractor {
+
+    /** 单个附件最大字节数（20MB） */
+    private static final long MAX_ATTACHMENT_SIZE = 20L * 1024 * 1024;
+
+    /** 单封邮件附件总大小上限（50MB） */
+    private static final long MAX_TOTAL_SIZE = 50L * 1024 * 1024;
+
+    /** 单封邮件最多提取的附件数 */
+    private static final int MAX_ATTACHMENTS = 20;
+
+    /**
+     * 提取邮件中的全部附件。
+     *
+     * @param message 邮件消息
+     * @return 附件列表，无附件时返回空列表
+     * @throws MessagingException 邮件解析失败
+     * @throws IOException        附件读取失败
+     */
+    public List<EmailAttachment> extract(Part message) throws MessagingException, IOException {
+        List<EmailAttachment> attachments = new ArrayList<>();
+        // 以数组承载累计大小，便于递归传递
+        long[] total = new long[]{0L};
+        extractPart(message, attachments, total);
+        return attachments;
+    }
+
+    /**
+     * 递归提取单个 MIME 部件中的附件。
+     *
+     * @param part        当前部件
+     * @param attachments 附件收集列表
+     * @param total       已提取总字节数（单元素数组）
+     * @throws MessagingException 邮件解析失败
+     * @throws IOException        附件读取失败
+     */
+    private void extractPart(Part part, List<EmailAttachment> attachments, long[] total)
+            throws MessagingException, IOException {
+        if (attachments.size() >= MAX_ATTACHMENTS) {
+            return;
+        }
+        // 多部分内容递归处理
+        if (part.isMimeType("multipart/*")) {
+            Multipart multipart = (Multipart) part.getContent();
+            for (int i = 0; i < multipart.getCount(); i++) {
+                extractPart(multipart.getBodyPart(i), attachments, total);
+            }
+            return;
+        }
+
+        String fileName = decodeFileName(part.getFileName());
+        if (fileName == null || fileName.isBlank()) {
+            return;
+        }
+        String disposition = part.getDisposition();
+        // 仅处理明确的附件或内联文件，跳过正文文本
+        if (disposition != null && !Part.ATTACHMENT.equalsIgnoreCase(disposition)
+                && !Part.INLINE.equalsIgnoreCase(disposition)) {
+            return;
+        }
+
+        byte[] content = readLimited(part.getInputStream());
+        if (content == null) {
+            log.warn("跳过超过大小上限的邮件附件：{}", fileName);
+            return;
+        }
+        total[0] += content.length;
+        if (total[0] > MAX_TOTAL_SIZE) {
+            log.warn("邮件附件总大小超过上限，停止提取：configId 未知");
+            return;
+        }
+        attachments.add(new EmailAttachment(fileName, content));
+    }
+
+    /**
+     * 读取附件内容并限制最大字节数。
+     *
+     * @param in 输入流
+     * @return 字节内容，超过上限时返回 null
+     * @throws IOException 读取失败
+     */
+    private byte[] readLimited(InputStream in) throws IOException {
+        ByteArrayOutputStream out = new ByteArrayOutputStream();
+        byte[] buffer = new byte[8192];
+        long total = 0;
+        int read;
+        while ((read = in.read(buffer)) != -1) {
+            total += read;
+            if (total > MAX_ATTACHMENT_SIZE) {
+                return null;
+            }
+            out.write(buffer, 0, read);
+        }
+        return out.toByteArray();
+    }
+
+    /**
+     * 解码附件文件名（处理 RFC 2047 编码）。
+     *
+     * @param fileName 原始文件名
+     * @return 解码后的文件名，为空时返回 null
+     */
+    private String decodeFileName(String fileName) {
+        if (fileName == null) {
+            return null;
+        }
+        try {
+            return MimeUtility.decodeText(fileName);
+        } catch (UnsupportedEncodingException e) {
+            return fileName;
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/email/EmailBillMonitor.java b/src/main/java/cn/rosercode/finance/email/EmailBillMonitor.java
new file mode 100644
index 0000000..96cde4b
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailBillMonitor.java
@@ -0,0 +1,220 @@
+package cn.rosercode.finance.email;
+
+import jakarta.mail.Folder;
+import jakarta.mail.MessagingException;
+import jakarta.mail.Store;
+import jakarta.mail.event.MessageCountAdapter;
+import jakarta.mail.event.MessageCountEvent;
+import lombok.extern.slf4j.Slf4j;
+import org.eclipse.angus.mail.imap.IMAPFolder;
+import org.eclipse.angus.mail.imap.IMAPStore;
+
+import cn.rosercode.finance.entity.EmailBillConfig;
+
+/**
+ * 邮箱账单监听线程，为单个邮箱配置维持 IMAP IDLE 长连接。
+ *
+ * <p>服务器支持 IDLE 时实时响应新邮件；不支持时降级为定时轮询。连接断开后
+ * 按指数退避重连，收到新邮件或轮询到变更时交由 {@link EmailBillPuller} 增量拉取。</p>
+ *
+ * @date 2026-09-19 16:44:45
+ */
+@Slf4j
+public class EmailBillMonitor implements Runnable {
+
+    /** 初始重连间隔（毫秒） */
+    private static final long BASE_RECONNECT_DELAY_MS = 5000L;
+
+    /** 最大重连间隔（毫秒） */
+    private static final long MAX_RECONNECT_DELAY_MS = 300000L;
+
+    /** 降级轮询间隔（毫秒） */
+    private static final long POLL_INTERVAL_MS = 60000L;
+
+    private final EmailBillConfig config;
+    private final EmailImapConnector imapConnector;
+    private final EmailBillPuller puller;
+
+    /** 监听是否继续运行 */
+    private volatile boolean running = true;
+
+    private volatile Store store;
+    private volatile Folder folder;
+    private volatile IMAPFolder imapFolder;
+
+    /**
+     * 构造监听线程。
+     *
+     * @param config        邮箱配置
+     * @param imapConnector IMAP 连接器
+     * @param puller        拉取器
+     */
+    public EmailBillMonitor(EmailBillConfig config,
+                            EmailImapConnector imapConnector,
+                            EmailBillPuller puller) {
+        this.config = config;
+        this.imapConnector = imapConnector;
+        this.puller = puller;
+    }
+
+    /**
+     * 获取配置ID。
+     *
+     * @return 配置ID
+     */
+    public Long getConfigId() {
+        return config.getId();
+    }
+
+    /**
+     * 监听主循环：连接、IDLE 或轮询、断线重连，直至被停止。
+     */
+    @Override
+    public void run() {
+        long delay = BASE_RECONNECT_DELAY_MS;
+        while (running) {
+            try {
+                listen();
+                // listen 正常返回表示已被停止
+                break;
+            } catch (InterruptedException e) {
+                Thread.currentThread().interrupt();
+                break;
+            } catch (MessagingException e) {
+                if (!running) {
+                    break;
+                }
+                log.warn("邮箱账单监听断开，{}ms 后重连: configId={}, error={}",
+                        delay, config.getId(), e.getMessage());
+                sleep(delay);
+                delay = Math.min(delay * 2, MAX_RECONNECT_DELAY_MS);
+            } catch (RuntimeException e) {
+                if (!running) {
+                    break;
+                }
+                log.error("邮箱账单监听异常，{}ms 后重连: configId={}", delay, config.getId(), e);
+                sleep(delay);
+                delay = Math.min(delay * 2, MAX_RECONNECT_DELAY_MS);
+            }
+        }
+        closeResources();
+        log.info("邮箱账单监听已停止: configId={}", config.getId());
+    }
+
+    /**
+     * 建立连接并进入 IDLE 或轮询循环。
+     *
+     * @throws MessagingException 连接或监听失败
+     * @throws InterruptedException 线程被中断
+     */
+    private void listen() throws MessagingException, InterruptedException {
+        Store localStore = imapConnector.connect(config);
+        Folder localFolder = localStore.getFolder(config.getFolder());
+        localFolder.open(Folder.READ_ONLY);
+        this.store = localStore;
+        this.folder = localFolder;
+
+        // 连接建立后先拉取一次，避免错过上次断开期间的邮件
+        safePull();
+
+        boolean idleSupported = localStore instanceof IMAPStore imapStore && imapStore.hasCapability("IDLE");
+        if (idleSupported && localFolder instanceof IMAPFolder imap) {
+            this.imapFolder = imap;
+            localFolder.addMessageCountListener(new MessageCountAdapter() {
+                @Override
+                public void messagesAdded(MessageCountEvent event) {
+                    safePull();
+                }
+            });
+            log.info("邮箱账单监听已启动(IDLE): configId={}, folder={}", config.getId(), config.getFolder());
+            while (running) {
+                imap.idle();
+            }
+        } else {
+            log.info("邮箱账单监听降级为轮询: configId={}, folder={}", config.getId(), config.getFolder());
+            while (running) {
+                Thread.sleep(POLL_INTERVAL_MS);
+                if (running) {
+                    safePull();
+                }
+            }
+        }
+    }
+
+    /**
+     * 执行一次拉取并吞掉异常，避免中断监听循环。
+     */
+    private void safePull() {
+        try {
+            puller.pull(config);
+        } catch (RuntimeException e) {
+            log.warn("邮箱账单拉取失败: configId={}, error={}", config.getId(), e.getMessage());
+        }
+    }
+
+    /**
+     * 停止监听：异步请求终止 IDLE 并关闭连接。
+     *
+     * <p>连接与 IDLE 的关闭可能阻塞，故在独立守护线程中执行，避免拖慢应用关闭或配置刷新。</p>
+     */
+    public void stop() {
+        running = false;
+        Thread closer = new Thread(this::closeSafely, "email-bill-monitor-stop-" + config.getId());
+        closer.setDaemon(true);
+        closer.start();
+    }
+
+    /**
+     * 终止 IDLE 并关闭连接，异常时忽略。
+     */
+    private void closeSafely() {
+        IMAPFolder local = imapFolder;
+        if (local != null && local.isOpen()) {
+            try {
+                // 主动结束 IDLE，使阻塞中的 idle() 返回
+                local.idle(false);
+            } catch (MessagingException ignored) {
+                // 未处于 IDLE 时可能抛异常，忽略即可
+            }
+        }
+        closeResources();
+    }
+
+    /**
+     * 关闭文件夹与连接。
+     */
+    private void closeResources() {
+        Folder localFolder = folder;
+        Store localStore = store;
+        folder = null;
+        store = null;
+        imapFolder = null;
+        if (localFolder != null && localFolder.isOpen()) {
+            try {
+                localFolder.close(false);
+            } catch (MessagingException ignored) {
+                // 关闭失败不影响停止流程
+            }
+        }
+        if (localStore != null && localStore.isConnected()) {
+            try {
+                localStore.close();
+            } catch (MessagingException ignored) {
+                // 关闭失败不影响停止流程
+            }
+        }
+    }
+
+    /**
+     * 休眠指定毫秒，被中断时保留中断标记。
+     *
+     * @param millis 休眠毫秒数
+     */
+    private void sleep(long millis) {
+        try {
+            Thread.sleep(millis);
+        } catch (InterruptedException e) {
+            Thread.currentThread().interrupt();
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/email/EmailBillMonitorManager.java b/src/main/java/cn/rosercode/finance/email/EmailBillMonitorManager.java
new file mode 100644
index 0000000..3e30d61
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailBillMonitorManager.java
@@ -0,0 +1,176 @@
+package cn.rosercode.finance.email;
+
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Set;
+import java.util.concurrent.ConcurrentHashMap;
+import java.util.concurrent.ExecutorService;
+import java.util.concurrent.Executors;
+import java.util.concurrent.Future;
+import java.util.concurrent.atomic.AtomicLong;
+import java.util.stream.Collectors;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import jakarta.annotation.PostConstruct;
+import jakarta.annotation.PreDestroy;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Component;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.entity.EmailBillConfig;
+import cn.rosercode.finance.mapper.EmailBillConfigMapper;
+
+/**
+ * 邮箱账单监听管理器，负责各邮箱配置监听线程的生命周期。
+ *
+ * <p>应用启动与定时同步时加载所有已启用的配置并启动监听，配置变更时按需启停；
+ * 提供手动立即检查入口，并在关闭时优雅停止全部线程。</p>
+ *
+ * @date 2026-09-19 16:44:58
+ */
+@Component
+@Slf4j
+public class EmailBillMonitorManager {
+
+    /** 同时监听的邮箱配置数量上限 */
+    private static final int MAX_MONITORS = 10;
+
+    /** 监听线程命名计数器 */
+    private static final AtomicLong THREAD_COUNTER = new AtomicLong();
+
+    private final EmailBillConfigMapper configMapper;
+    private final EmailImapConnector imapConnector;
+    private final EmailBillPuller puller;
+
+    private final ConcurrentHashMap<Long, EmailBillMonitor> monitors = new ConcurrentHashMap<>();
+    private final ConcurrentHashMap<Long, Future<?>> futures = new ConcurrentHashMap<>();
+    private final ExecutorService executor = Executors.newCachedThreadPool(runnable -> {
+        Thread thread = new Thread(runnable, "email-bill-monitor-" + THREAD_COUNTER.incrementAndGet());
+        thread.setDaemon(true);
+        return thread;
+    });
+
+    public EmailBillMonitorManager(EmailBillConfigMapper configMapper,
+                                   EmailImapConnector imapConnector,
+                                   EmailBillPuller puller) {
+        this.configMapper = configMapper;
+        this.imapConnector = imapConnector;
+        this.puller = puller;
+    }
+
+    /**
+     * 应用启动时尝试加载并启动监听；数据库未就绪时忽略，交由定时同步补启动。
+     */
+    @PostConstruct
+    public void init() {
+        try {
+            sync();
+        } catch (Exception e) {
+            log.debug("启动邮箱账单监听失败，等待定时同步：{}", e.getMessage());
+        }
+    }
+
+    /**
+     * 应用关闭时停止全部监听线程。
+     */
+    @PreDestroy
+    public void destroy() {
+        int count = monitors.size();
+        for (Long configId : new ArrayList<>(monitors.keySet())) {
+            stopMonitor(configId);
+        }
+        executor.shutdownNow();
+        log.info("邮箱账单监听管理器已关闭，已停止 {} 个监听", count);
+    }
+
+    /**
+     * 同步监听线程：为新增的启用配置启动监听，停止已停用或删除的监听。
+     */
+    public void sync() {
+        List<EmailBillConfig> enabledConfigs;
+        try {
+            enabledConfigs = configMapper.selectList(new LambdaQueryWrapper<EmailBillConfig>()
+                    .eq(EmailBillConfig::getEnabled, true)
+                    .orderByAsc(EmailBillConfig::getId));
+        } catch (Exception e) {
+            log.debug("跳过邮箱账单监听同步，读取配置失败：{}", e.getMessage());
+            return;
+        }
+
+        Set<Long> enabledIds = enabledConfigs.stream()
+                .map(EmailBillConfig::getId)
+                .collect(Collectors.toSet());
+        for (EmailBillConfig config : enabledConfigs) {
+            if (!monitors.containsKey(config.getId())) {
+                startMonitor(config);
+            }
+        }
+        for (Long configId : new ArrayList<>(monitors.keySet())) {
+            if (!enabledIds.contains(configId)) {
+                stopMonitor(configId);
+            }
+        }
+    }
+
+    /**
+     * 按最新配置刷新单个监听：启用则重启，停用或删除则停止。
+     *
+     * @param configId 邮箱配置ID
+     */
+    public void refresh(Long configId) {
+        EmailBillConfig config = configMapper.selectById(configId);
+        stopMonitor(configId);
+        if (config != null && Boolean.TRUE.equals(config.getEnabled())) {
+            startMonitor(config);
+        }
+    }
+
+    /**
+     * 立即执行一次拉取（手动检查）。
+     *
+     * @param configId 邮箱配置ID
+     * @return 新登记的待解析消息数量
+     */
+    public int checkNow(Long configId) {
+        EmailBillConfig config = configMapper.selectById(configId);
+        if (config == null) {
+            throw new BusinessException("邮箱配置不存在");
+        }
+        return puller.pull(config);
+    }
+
+    /**
+     * 启动单个监听线程。
+     *
+     * @param config 邮箱配置
+     */
+    private synchronized void startMonitor(EmailBillConfig config) {
+        if (monitors.containsKey(config.getId())) {
+            return;
+        }
+        if (monitors.size() >= MAX_MONITORS) {
+            log.warn("邮箱账单监听数量已达上限 {}，跳过配置: configId={}", MAX_MONITORS, config.getId());
+            return;
+        }
+        EmailBillMonitor monitor = new EmailBillMonitor(config, imapConnector, puller);
+        monitors.put(config.getId(), monitor);
+        futures.put(config.getId(), executor.submit(monitor));
+        log.info("启动邮箱账单监听: configId={}, host={}", config.getId(), config.getHost());
+    }
+
+    /**
+     * 停止单个监听线程。
+     *
+     * @param configId 邮箱配置ID
+     */
+    private void stopMonitor(Long configId) {
+        EmailBillMonitor monitor = monitors.remove(configId);
+        Future<?> future = futures.remove(configId);
+        if (monitor != null) {
+            monitor.stop();
+        }
+        if (future != null) {
+            future.cancel(true);
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/email/EmailBillProcessor.java b/src/main/java/cn/rosercode/finance/email/EmailBillProcessor.java
new file mode 100644
index 0000000..38f0a36
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailBillProcessor.java
@@ -0,0 +1,263 @@
+package cn.rosercode.finance.email;
+
+import java.io.IOException;
+import java.time.LocalDateTime;
+import java.time.ZoneId;
+import java.util.Date;
+import java.util.List;
+import java.util.Set;
+import java.util.function.Consumer;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import jakarta.mail.Address;
+import jakarta.mail.Message;
+import jakarta.mail.MessagingException;
+import jakarta.mail.internet.MimeMessage;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Component;
+
+import cn.rosercode.finance.entity.EmailBillConfig;
+import cn.rosercode.finance.entity.EmailBillMessage;
+import cn.rosercode.finance.entity.EmailBillSenderRule;
+import cn.rosercode.finance.enums.EmailBillStatus;
+import cn.rosercode.finance.mapper.EmailBillMessageMapper;
+import cn.rosercode.finance.service.EmailBillSenderRuleService;
+
+/**
+ * 邮箱账单处理器，将命中的邮件附件保存到本地并登记为待解析消息。
+ *
+ * <p>仅处理发件人命中规则且扩展名受支持的附件；处理阶段不解析账单内容，
+ * 解析与入库由用户在前端手动触发。</p>
+ *
+ * @date 2026-09-19 16:44:05
+ */
+@Component
+@Slf4j
+public class EmailBillProcessor {
+
+    /** 支持的账单附件扩展名 */
+    private static final Set<String> SUPPORTED_EXTENSIONS = Set.of(".csv", ".xlsx", ".xls", ".pdf", ".zip");
+
+    private final EmailBillMessageMapper messageMapper;
+    private final EmailBillSenderRuleService senderRuleService;
+    private final EmailBillSenderRuleMatcher senderRuleMatcher;
+    private final EmailAttachmentExtractor attachmentExtractor;
+    private final EmailBillStorage storage;
+
+    public EmailBillProcessor(EmailBillMessageMapper messageMapper,
+                              EmailBillSenderRuleService senderRuleService,
+                              EmailBillSenderRuleMatcher senderRuleMatcher,
+                              EmailAttachmentExtractor attachmentExtractor,
+                              EmailBillStorage storage) {
+        this.messageMapper = messageMapper;
+        this.senderRuleService = senderRuleService;
+        this.senderRuleMatcher = senderRuleMatcher;
+        this.attachmentExtractor = attachmentExtractor;
+        this.storage = storage;
+    }
+
+    /**
+     * 处理单封邮件：匹配发件人规则，保存附件并登记待解析消息。
+     *
+     * @param config  邮箱配置
+     * @param message 邮件消息
+     * @param uid     邮件 UID
+     * @return 新登记的消息数量
+     */
+    public int process(EmailBillConfig config, Message message, long uid) {
+        return process(config, message, uid, line -> {
+        });
+    }
+
+    /**
+     * 处理单封邮件，并通过 {@code progress} 上报匹配与保存进度。
+     *
+     * @param config   邮箱配置
+     * @param message  邮件消息
+     * @param uid      邮件 UID
+     * @param progress 进度回调
+     * @return 新登记的消息数量
+     */
+    public int process(EmailBillConfig config, Message message, long uid, Consumer<String> progress) {
+        String from = extractFrom(message);
+        List<EmailBillSenderRule> rules = senderRuleService.listEnabledRules(config.getUserId());
+        EmailBillSenderRule rule = senderRuleMatcher.match(from, rules);
+        if (rule == null) {
+            log.debug("邮件发件人未命中发件人规则，已忽略: configId={}, uid={}, from={}",
+                    config.getId(), uid, from);
+            progress.accept("    → 发件人未命中规则，忽略");
+            return 0;
+        }
+        progress.accept("    → 命中规则「" + rule.getName() + "」，账单类型 " + rule.getBillType());
+
+        List<EmailAttachment> attachments;
+        try {
+            attachments = attachmentExtractor.extract(message);
+        } catch (MessagingException | IOException e) {
+            log.warn("提取邮件附件失败: configId={}, uid={}, error={}", config.getId(), uid, e.getMessage());
+            progress.accept("    → 提取附件失败：" + e.getMessage());
+            return 0;
+        }
+
+        int saved = 0;
+        for (int i = 0; i < attachments.size(); i++) {
+            EmailAttachment attachment = attachments.get(i);
+            if (!isSupported(attachment.getFileName()) || exists(config.getId(), uid, i)) {
+                continue;
+            }
+            String path = storage.save(config.getId(), uid, i, attachment.getFileName(), attachment.getContent());
+            EmailBillMessage entity = buildMessage(config, message, uid, i, from, rule, attachment, path);
+            messageMapper.insert(entity);
+            saved++;
+        }
+        if (saved > 0) {
+            log.info("邮箱账单附件已保存: configId={}, uid={}, from={}, billType={}, 附件数={}",
+                    config.getId(), uid, from, rule.getBillType(), saved);
+        }
+        progress.accept("    → 保存 " + saved + " 个附件");
+        return saved;
+    }
+
+    /**
+     * 构造待解析消息实体。
+     *
+     * @param config     邮箱配置
+     * @param message    邮件消息
+     * @param uid        邮件 UID
+     * @param index      附件序号
+     * @param from       发件人地址
+     * @param rule       命中的发件人规则
+     * @param attachment 附件
+     * @param path       附件本地相对路径
+     * @return 消息实体
+     */
+    private EmailBillMessage buildMessage(EmailBillConfig config, Message message, long uid, int index,
+                                          String from, EmailBillSenderRule rule, EmailAttachment attachment,
+                                          String path) {
+        EmailBillMessage entity = new EmailBillMessage();
+        entity.setConfigId(config.getId());
+        entity.setUserId(config.getUserId());
+        entity.setUid(uid);
+        entity.setMessageId(messageId(message));
+        entity.setSubject(truncate(safeSubject(message), 500));
+        entity.setFromAddress(truncate(from, 255));
+        entity.setReceivedAt(receivedAt(message));
+        entity.setAttachmentIndex(index);
+        entity.setAttachmentName(truncate(attachment.getFileName(), 255));
+        entity.setAttachmentPath(path);
+        entity.setSenderRuleId(rule.getId());
+        entity.setBillType(rule.getBillType());
+        entity.setStatus(EmailBillStatus.PULLED.name());
+        return entity;
+    }
+
+    /**
+     * 判断该邮件附件是否已登记，避免重复处理。
+     *
+     * @param configId 邮箱配置ID
+     * @param uid      邮件 UID
+     * @param index    附件序号
+     * @return 已存在返回 true
+     */
+    private boolean exists(Long configId, long uid, int index) {
+        return messageMapper.selectCount(new LambdaQueryWrapper<EmailBillMessage>()
+                .eq(EmailBillMessage::getConfigId, configId)
+                .eq(EmailBillMessage::getUid, uid)
+                .eq(EmailBillMessage::getAttachmentIndex, index)) > 0;
+    }
+
+    /**
+     * 提取邮件发件人地址。
+     *
+     * @param message 邮件消息
+     * @return 发件人字符串，读取失败时返回 null
+     */
+    private String extractFrom(Message message) {
+        try {
+            Address[] from = message.getFrom();
+            if (from == null || from.length == 0) {
+                return null;
+            }
+            return from[0].toString();
+        } catch (MessagingException e) {
+            return null;
+        }
+    }
+
+    /**
+     * 读取邮件 Message-ID。
+     *
+     * @param message 邮件消息
+     * @return Message-ID，读取失败或非 MimeMessage 时返回 null
+     */
+    private String messageId(Message message) {
+        if (message instanceof MimeMessage mimeMessage) {
+            try {
+                return truncate(mimeMessage.getMessageID(), 255);
+            } catch (MessagingException e) {
+                return null;
+            }
+        }
+        return null;
+    }
+
+    /**
+     * 读取邮件主题。
+     *
+     * @param message 邮件消息
+     * @return 主题，读取失败时返回 null
+     */
+    private String safeSubject(Message message) {
+        try {
+            return message.getSubject();
+        } catch (MessagingException e) {
+            return null;
+        }
+    }
+
+    /**
+     * 读取邮件接收时间，缺失时回退当前时间。
+     *
+     * @param message 邮件消息
+     * @return 接收时间
+     */
+    private LocalDateTime receivedAt(Message message) {
+        try {
+            Date date = message.getReceivedDate();
+            if (date == null) {
+                return LocalDateTime.now();
+            }
+            return LocalDateTime.ofInstant(date.toInstant(), ZoneId.systemDefault());
+        } catch (MessagingException e) {
+            return LocalDateTime.now();
+        }
+    }
+
+    /**
+     * 判断附件扩展名是否受支持。
+     *
+     * @param fileName 附件文件名
+     * @return 受支持返回 true
+     */
+    private boolean isSupported(String fileName) {
+        if (fileName == null) {
+            return false;
+        }
+        String lower = fileName.toLowerCase();
+        return SUPPORTED_EXTENSIONS.stream().anyMatch(lower::endsWith);
+    }
+
+    /**
+     * 截断字符串以适配数据库字段长度。
+     *
+     * @param value     原字符串
+     * @param maxLength 最大长度
+     * @return 截断后的字符串
+     */
+    private String truncate(String value, int maxLength) {
+        if (value == null || value.length() <= maxLength) {
+            return value;
+        }
+        return value.substring(0, maxLength);
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/email/EmailBillPuller.java b/src/main/java/cn/rosercode/finance/email/EmailBillPuller.java
new file mode 100644
index 0000000..ecb865c
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailBillPuller.java
@@ -0,0 +1,341 @@
+package cn.rosercode.finance.email;
+
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.time.ZoneId;
+import java.util.Date;
+import java.util.concurrent.ConcurrentHashMap;
+import java.util.function.Consumer;
+
+import com.baomidou.mybatisplus.core.conditions.update.LambdaUpdateWrapper;
+import jakarta.mail.Folder;
+import jakarta.mail.Message;
+import jakarta.mail.MessagingException;
+import jakarta.mail.Store;
+import jakarta.mail.UIDFolder;
+import jakarta.mail.search.ComparisonTerm;
+import jakarta.mail.search.ReceivedDateTerm;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Component;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.entity.EmailBillConfig;
+import cn.rosercode.finance.mapper.EmailBillConfigMapper;
+
+/**
+ * 邮箱账单拉取器，按配置的拉取范围执行一次拉取（连接、获取目标邮件、交给处理器）。
+ *
+ * <p>支持三种范围：仅新邮件（增量）、最近 N 天、最近 N 封；IDLE 实时监听、定时兜底与手动检查
+ * 均复用本类。同一配置的拉取通过锁串行化，配合消息唯一索引避免并发重复处理。</p>
+ *
+ * @date 2026-09-19 16:44:37
+ */
+@Component
+@Slf4j
+public class EmailBillPuller {
+
+    /** 连接状态：已连接 */
+    private static final String STATUS_CONNECTED = "CONNECTED";
+
+    /** 连接状态：异常 */
+    private static final String STATUS_ERROR = "ERROR";
+
+    /** 失败原因最大长度 */
+    private static final int ERROR_LIMIT = 500;
+
+    /** 拉取范围：仅新邮件 */
+    private static final String SCOPE_INCREMENT = "INCREMENT";
+
+    /** 拉取范围：最近 N 天 */
+    private static final String SCOPE_DAYS = "DAYS";
+
+    /** 拉取范围：最近 N 封 */
+    private static final String SCOPE_COUNT = "COUNT";
+
+    /** 最近 N 天模式的默认天数 */
+    private static final int DEFAULT_DAYS = 1;
+
+    /** 最近 N 封模式的默认封数 */
+    private static final int DEFAULT_COUNT = 20;
+
+    private final EmailImapConnector imapConnector;
+    private final EmailBillProcessor processor;
+    private final EmailBillConfigMapper configMapper;
+
+    /** 每个配置一把锁，串行化同一配置的拉取 */
+    private final ConcurrentHashMap<Long, Object> locks = new ConcurrentHashMap<>();
+
+    public EmailBillPuller(EmailImapConnector imapConnector,
+                           EmailBillProcessor processor,
+                           EmailBillConfigMapper configMapper) {
+        this.imapConnector = imapConnector;
+        this.processor = processor;
+        this.configMapper = configMapper;
+    }
+
+    /**
+     * 执行一次拉取。
+     *
+     * <p>增量模式下首次以当前最大 UID 为基线、不回溯历史；最近 N 天/最近 N 封模式每次按范围扫描，
+     * 依赖消息唯一索引去重。</p>
+     *
+     * @param config 邮箱配置
+     * @return 新登记的待解析消息数量
+     */
+    public int pull(EmailBillConfig config) {
+        return pull(config, message -> {
+        });
+    }
+
+    /**
+     * 执行一次拉取，并通过 {@code progress} 实时上报执行进度。
+     *
+     * <p>增量模式下首次以当前最大 UID 为基线、不回溯历史；最近 N 天/最近 N 封模式每次按范围扫描，
+     * 依赖消息唯一索引去重。</p>
+     *
+     * @param config   邮箱配置
+     * @param progress 进度回调，逐行接收中文进度描述
+     * @return 新登记的待解析消息数量
+     */
+    public int pull(EmailBillConfig config, Consumer<String> progress) {
+        Object lock = locks.computeIfAbsent(config.getId(), key -> new Object());
+        synchronized (lock) {
+            Store store = null;
+            Folder folder = null;
+            try {
+                progress.accept("连接邮箱 " + config.getHost() + ":" + config.getPort()
+                        + (Boolean.FALSE.equals(config.getUseSsl()) ? "（明文）" : "（SSL）"));
+                store = imapConnector.connect(config);
+                folder = store.getFolder(config.getFolder());
+                folder.open(Folder.READ_ONLY);
+                progress.accept("已连接，打开文件夹 " + config.getFolder());
+                UIDFolder uidFolder = (UIDFolder) folder;
+
+                String scope = resolveScope(config);
+                progress.accept("拉取范围：" + scopeLabel(scope));
+                long baseUid = initLastUid(config, folder, uidFolder);
+                Message[] messages = fetchMessages(config, folder, uidFolder, baseUid, scope);
+                progress.accept("检索到 " + messages.length + " 封邮件");
+                int processed = 0;
+                long maxUid = baseUid;
+                int index = 0;
+                for (Message message : messages) {
+                    long uid = uidFolder.getUID(message);
+                    if (uid <= 0 || (SCOPE_INCREMENT.equals(scope) && uid <= baseUid)) {
+                        continue;
+                    }
+                    index++;
+                    progress.accept("(" + index + "/" + messages.length + ") uid=" + uid
+                            + " " + safeSubject(message));
+                    try {
+                        processed += processor.process(config, message, uid, progress);
+                    } catch (RuntimeException e) {
+                        // 单封邮件处理失败不影响其余邮件
+                        log.warn("处理邮件失败: configId={}, uid={}, error={}", config.getId(), uid, e.getMessage());
+                        progress.accept("    → 处理失败：" + e.getMessage());
+                    }
+                    maxUid = Math.max(maxUid, uid);
+                }
+                if (maxUid > baseUid) {
+                    updateLastUid(config, maxUid);
+                }
+                updateStatus(config, STATUS_CONNECTED, null, true);
+                progress.accept("完成，新增 " + processed + " 条待处理账单");
+                return processed;
+            } catch (MessagingException e) {
+                updateStatus(config, STATUS_ERROR, e.getMessage(), false);
+                progress.accept("失败：" + e.getMessage());
+                throw new BusinessException("拉取邮件失败：" + e.getMessage());
+            } finally {
+                closeQuietly(folder);
+                closeQuietly(store);
+            }
+        }
+    }
+
+    /**
+     * 将拉取范围编码转换为中文描述。
+     *
+     * @param scope 拉取范围编码
+     * @return 中文描述
+     */
+    private String scopeLabel(String scope) {
+        if (SCOPE_DAYS.equals(scope)) {
+            return "最近 N 天";
+        }
+        if (SCOPE_COUNT.equals(scope)) {
+            return "最近 N 封";
+        }
+        return "仅新邮件";
+    }
+
+    /**
+     * 读取邮件主题，失败时返回空串。
+     *
+     * @param message 邮件消息
+     * @return 主题
+     */
+    private String safeSubject(Message message) {
+        try {
+            String subject = message.getSubject();
+            return subject == null ? "" : subject;
+        } catch (MessagingException e) {
+            return "";
+        }
+    }
+
+    /**
+     * 按配置的拉取范围获取待处理邮件。
+     *
+     * @param config    邮箱配置
+     * @param folder    已打开的文件夹
+     * @param uidFolder UID 文件夹
+     * @param baseUid   增量模式下的基线 UID
+     * @param scope     拉取范围
+     * @return 待处理邮件数组
+     * @throws MessagingException 搜索失败
+     */
+    private Message[] fetchMessages(EmailBillConfig config, Folder folder, UIDFolder uidFolder,
+                                    long baseUid, String scope) throws MessagingException {
+        if (SCOPE_DAYS.equals(scope)) {
+            int days = config.getFetchLimit() != null && config.getFetchLimit() > 0
+                    ? config.getFetchLimit() : DEFAULT_DAYS;
+            // 含当天，往前推 days-1 天的 0 点
+            Date since = Date.from(LocalDate.now().minusDays(days - 1L)
+                    .atStartOfDay(ZoneId.systemDefault()).toInstant());
+            return folder.search(new ReceivedDateTerm(ComparisonTerm.GE, since));
+        }
+        if (SCOPE_COUNT.equals(scope)) {
+            int count = config.getFetchLimit() != null && config.getFetchLimit() > 0
+                    ? config.getFetchLimit() : DEFAULT_COUNT;
+            int total = folder.getMessageCount();
+            if (total <= 0) {
+                return new Message[0];
+            }
+            return folder.getMessages(Math.max(1, total - count + 1), total);
+        }
+        return uidFolder.getMessagesByUID(baseUid + 1, UIDFolder.LASTUID);
+    }
+
+    /**
+     * 解析配置的拉取范围，非法值回退为增量模式。
+     *
+     * @param config 邮箱配置
+     * @return INCREMENT / DAYS / COUNT
+     */
+    private String resolveScope(EmailBillConfig config) {
+        String scope = config.getFetchScope();
+        if (scope == null) {
+            return SCOPE_INCREMENT;
+        }
+        String upper = scope.trim().toUpperCase();
+        if (SCOPE_DAYS.equals(upper) || SCOPE_COUNT.equals(upper)) {
+            return upper;
+        }
+        return SCOPE_INCREMENT;
+    }
+
+    /**
+     * 初始化拉取基线 UID：已存在则直接使用，否则取当前最大 UID 并持久化。
+     *
+     * @param config   邮箱配置
+     * @param folder   已打开的文件夹
+     * @param uidFolder UID 文件夹
+     * @return 基线 UID
+     * @throws MessagingException 读取失败
+     */
+    private long initLastUid(EmailBillConfig config, Folder folder, UIDFolder uidFolder) throws MessagingException {
+        if (config.getLastUid() != null) {
+            return config.getLastUid();
+        }
+        long maxUid = 0L;
+        int count = folder.getMessageCount();
+        if (count > 0) {
+            Message last = folder.getMessage(count);
+            maxUid = uidFolder.getUID(last);
+        }
+        updateLastUid(config, maxUid);
+        log.info("初始化邮箱账单拉取基线: configId={}, baseUid={}", config.getId(), maxUid);
+        return maxUid;
+    }
+
+    /**
+     * 更新已处理的最大 UID。
+     *
+     * @param config 邮箱配置
+     * @param uid    最大 UID
+     */
+    private void updateLastUid(EmailBillConfig config, long uid) {
+        config.setLastUid(uid);
+        configMapper.update(null, new LambdaUpdateWrapper<EmailBillConfig>()
+                .eq(EmailBillConfig::getId, config.getId())
+                .set(EmailBillConfig::getLastUid, uid));
+    }
+
+    /**
+     * 回写连接状态与最近连接时间。
+     *
+     * @param config          邮箱配置
+     * @param status          连接状态
+     * @param error           失败原因，可为空
+     * @param touchConnected  是否刷新最近连接时间
+     */
+    private void updateStatus(EmailBillConfig config, String status, String error, boolean touchConnected) {
+        config.setStatus(status);
+        config.setLastError(error);
+        LambdaUpdateWrapper<EmailBillConfig> update = new LambdaUpdateWrapper<EmailBillConfig>()
+                .eq(EmailBillConfig::getId, config.getId())
+                .set(EmailBillConfig::getStatus, status)
+                .set(EmailBillConfig::getLastError, truncate(error));
+        if (touchConnected) {
+            config.setLastConnectedAt(LocalDateTime.now());
+            update.set(EmailBillConfig::getLastConnectedAt, config.getLastConnectedAt());
+        }
+        configMapper.update(null, update);
+    }
+
+    /**
+     * 静默关闭邮件文件夹。
+     *
+     * @param folder 文件夹，可为 null
+     */
+    private void closeQuietly(Folder folder) {
+        if (folder == null || !folder.isOpen()) {
+            return;
+        }
+        try {
+            folder.close(false);
+        } catch (MessagingException ignored) {
+            // 关闭失败不影响拉取结果
+        }
+    }
+
+    /**
+     * 静默关闭邮件连接。
+     *
+     * @param store 连接，可为 null
+     */
+    private void closeQuietly(Store store) {
+        if (store == null) {
+            return;
+        }
+        try {
+            store.close();
+        } catch (MessagingException ignored) {
+            // 关闭失败不影响拉取结果
+        }
+    }
+
+    /**
+     * 截断过长的失败原因。
+     *
+     * @param message 原文
+     * @return 截断后的文本
+     */
+    private String truncate(String message) {
+        if (message == null) {
+            return null;
+        }
+        return message.length() <= ERROR_LIMIT ? message : message.substring(0, ERROR_LIMIT);
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/email/EmailBillSenderRuleMatcher.java b/src/main/java/cn/rosercode/finance/email/EmailBillSenderRuleMatcher.java
new file mode 100644
index 0000000..8de820b
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailBillSenderRuleMatcher.java
@@ -0,0 +1,72 @@
+package cn.rosercode.finance.email;
+
+import java.util.List;
+
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.core.type.TypeReference;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Component;
+import org.springframework.util.StringUtils;
+
+import cn.rosercode.finance.entity.EmailBillSenderRule;
+
+/**
+ * 发件人规则匹配器，按邮件发件人地址匹配已启用的发件人识别规则。
+ *
+ * <p>规则中的匹配串与发件人地址做包含匹配（忽略大小写），可同时覆盖完整地址、
+ * {@code @域名} 与关键字；按规则传入顺序（已按优先级排序）取首个命中。</p>
+ *
+ * @date 2026-09-19 16:44:01
+ */
+@Component
+@Slf4j
+public class EmailBillSenderRuleMatcher {
+
+    private final ObjectMapper objectMapper;
+
+    public EmailBillSenderRuleMatcher(ObjectMapper objectMapper) {
+        this.objectMapper = objectMapper;
+    }
+
+    /**
+     * 匹配发件人所属的规则。
+     *
+     * @param fromAddress 发件人地址
+     * @param rules       已启用的规则列表，需按优先级排序
+     * @return 命中的规则，未命中时返回 null
+     */
+    public EmailBillSenderRule match(String fromAddress, List<EmailBillSenderRule> rules) {
+        if (!StringUtils.hasText(fromAddress) || rules == null || rules.isEmpty()) {
+            return null;
+        }
+        String from = fromAddress.toLowerCase();
+        for (EmailBillSenderRule rule : rules) {
+            for (String pattern : parsePatterns(rule.getSenderPatterns())) {
+                if (from.contains(pattern.toLowerCase())) {
+                    return rule;
+                }
+            }
+        }
+        return null;
+    }
+
+    /**
+     * 解析规则中的发件人匹配串列表。
+     *
+     * @param json 匹配串 JSON 数组
+     * @return 匹配串列表，解析失败或为空时返回空列表
+     */
+    public List<String> parsePatterns(String json) {
+        if (!StringUtils.hasText(json)) {
+            return List.of();
+        }
+        try {
+            return objectMapper.readValue(json, new TypeReference<List<String>>() {
+            });
+        } catch (JsonProcessingException e) {
+            log.warn("解析发件人匹配串失败：{}", e.getMessage());
+            return List.of();
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/email/EmailBillStorage.java b/src/main/java/cn/rosercode/finance/email/EmailBillStorage.java
new file mode 100644
index 0000000..8542c91
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailBillStorage.java
@@ -0,0 +1,108 @@
+package cn.rosercode.finance.email;
+
+import java.io.IOException;
+import java.nio.file.Files;
+import java.nio.file.Path;
+import java.nio.file.Paths;
+
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Component;
+
+import cn.rosercode.finance.common.BusinessException;
+
+/**
+ * 邮箱账单附件本地存储。
+ *
+ * <p>附件保存在工作目录下的 {@code data/email-bill/{configId}/{uid}/{index}_{name}}，
+ * 数据库仅记录相对路径；导入或忽略后不自动删除，便于追溯与重新解析。</p>
+ *
+ * @date 2026-09-19 16:43:56
+ */
+@Component
+@Slf4j
+public class EmailBillStorage {
+
+    /** 附件存储根目录（相对工作目录） */
+    private static final Path ROOT = Paths.get("data", "email-bill");
+
+    /**
+     * 保存附件到本地，返回相对存储根目录的路径。
+     *
+     * @param configId 邮箱配置ID
+     * @param uid      邮件 UID
+     * @param index    附件序号
+     * @param fileName 附件文件名
+     * @param content  附件字节内容
+     * @return 相对存储根目录的路径
+     */
+    public String save(Long configId, long uid, int index, String fileName, byte[] content) {
+        String relative = configId + "/" + uid + "/" + index + "_" + sanitize(fileName);
+        Path target = ROOT.resolve(relative);
+        try {
+            Files.createDirectories(target.getParent());
+            Files.write(target, content);
+            return relative;
+        } catch (IOException e) {
+            throw new BusinessException("保存邮件附件失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 读取附件内容。
+     *
+     * @param relativePath 相对存储根目录的路径
+     * @return 附件字节内容
+     */
+    public byte[] read(String relativePath) {
+        Path target = resolveSafely(relativePath);
+        try {
+            return Files.readAllBytes(target);
+        } catch (IOException e) {
+            throw new BusinessException("读取邮件附件失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 删除附件文件，文件不存在时忽略。
+     *
+     * @param relativePath 相对存储根目录的路径
+     */
+    public void delete(String relativePath) {
+        if (relativePath == null || relativePath.isBlank()) {
+            return;
+        }
+        try {
+            Files.deleteIfExists(resolveSafely(relativePath));
+        } catch (IOException e) {
+            log.warn("删除邮件附件失败：{}", e.getMessage());
+        }
+    }
+
+    /**
+     * 解析相对路径并防止路径穿越。
+     *
+     * @param relativePath 相对存储根目录的路径
+     * @return 绝对路径
+     */
+    private Path resolveSafely(String relativePath) {
+        Path target = ROOT.resolve(relativePath).normalize();
+        if (!target.startsWith(ROOT.normalize())) {
+            throw new BusinessException("非法的附件路径");
+        }
+        return target;
+    }
+
+    /**
+     * 清洗附件文件名，去除路径分隔符与非法字符。
+     *
+     * @param fileName 原始文件名
+     * @return 安全的文件名
+     */
+    private String sanitize(String fileName) {
+        if (fileName == null || fileName.isBlank()) {
+            return "attachment";
+        }
+        String name = Paths.get(fileName).getFileName().toString();
+        return name.replaceAll("[\\\\/:*?\"<>|]", "_");
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/email/EmailImapConnector.java b/src/main/java/cn/rosercode/finance/email/EmailImapConnector.java
new file mode 100644
index 0000000..a35292d
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/email/EmailImapConnector.java
@@ -0,0 +1,53 @@
+package cn.rosercode.finance.email;
+
+import java.util.Properties;
+
+import jakarta.mail.MessagingException;
+import jakarta.mail.Session;
+import jakarta.mail.Store;
+import org.springframework.stereotype.Component;
+
+import cn.rosercode.finance.entity.EmailBillConfig;
+
+/**
+ * IMAP 连接器，负责按邮箱配置建立 IMAP/IMAPS 连接。
+ *
+ * <p>QQ、163 等邮箱通常使用 993 端口并开启 SSL；超时时间设置较短，
+ * 避免监听线程在断网时长时间阻塞。</p>
+ *
+ * @date 2026-09-19 16:40:47
+ */
+@Component
+public class EmailImapConnector {
+
+    /** 连接超时时间（毫秒） */
+    private static final String CONNECT_TIMEOUT = "15000";
+
+    /** 读取超时时间（毫秒） */
+    private static final String READ_TIMEOUT = "30000";
+
+    /**
+     * 根据配置建立 IMAP 连接。
+     *
+     * @param config 邮箱配置
+     * @return 已连接的 {@link Store}，调用方负责关闭
+     * @throws MessagingException 连接失败
+     */
+    public Store connect(EmailBillConfig config) throws MessagingException {
+        boolean ssl = config.getUseSsl() == null || config.getUseSsl();
+        String protocol = ssl ? "imaps" : "imap";
+
+        Properties props = new Properties();
+        props.put("mail.store.protocol", protocol);
+        props.put("mail." + protocol + ".connectiontimeout", CONNECT_TIMEOUT);
+        props.put("mail." + protocol + ".timeout", READ_TIMEOUT);
+        if (ssl) {
+            props.put("mail.imaps.ssl.enable", "true");
+        }
+
+        Session session = Session.getInstance(props);
+        Store store = session.getStore(protocol);
+        store.connect(config.getHost(), config.getPort(), config.getUsername(), config.getPassword());
+        return store;
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/entity/AiConfig.java b/src/main/java/cn/rosercode/finance/entity/AiConfig.java
index f11a585..1936edd 100644
--- a/src/main/java/cn/rosercode/finance/entity/AiConfig.java
+++ b/src/main/java/cn/rosercode/finance/entity/AiConfig.java
@@ -20,6 +20,12 @@ public class AiConfig {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -34,10 +40,4 @@ public class AiConfig {
 
     /** 使用的模型名称 */
     private String model;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
-
-    /** 更新时间 */
-    private LocalDateTime updatedAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/AiUsage.java b/src/main/java/cn/rosercode/finance/entity/AiUsage.java
index 9ab0b27..6a0658d 100644
--- a/src/main/java/cn/rosercode/finance/entity/AiUsage.java
+++ b/src/main/java/cn/rosercode/finance/entity/AiUsage.java
@@ -20,6 +20,9 @@ public class AiUsage {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -52,7 +55,4 @@ public class AiUsage {
 
     /** 调用耗时（毫秒） */
     private Long durationMs;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/Category.java b/src/main/java/cn/rosercode/finance/entity/Category.java
index 2747dd5..e4ba68d 100644
--- a/src/main/java/cn/rosercode/finance/entity/Category.java
+++ b/src/main/java/cn/rosercode/finance/entity/Category.java
@@ -18,6 +18,9 @@ public class Category {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -32,7 +35,4 @@ public class Category {
 
     /** 排序序号 */
     private Integer sortOrder;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/EmailBillConfig.java b/src/main/java/cn/rosercode/finance/entity/EmailBillConfig.java
new file mode 100644
index 0000000..9774b6b
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/entity/EmailBillConfig.java
@@ -0,0 +1,87 @@
+package cn.rosercode.finance.entity;
+
+import java.time.LocalDateTime;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableField;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+/**
+ * 邮箱账单配置实体类，对应数据库表 t_email_bill_config。
+ *
+ * <p>保存用于自动拉取账单附件的 IMAP 邮箱连接信息，以及默认分类与标签；
+ * 每个配置对应一个后台监听线程。</p>
+ *
+ * @date 2026-09-19 16:40:20
+ */
+@Data
+@TableName("t_email_bill_config")
+public class EmailBillConfig {
+
+    /** 配置ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 配置名称，便于用户识别 */
+    private String name;
+
+    /** IMAP 服务器地址 */
+    private String host;
+
+    /** IMAP 端口 */
+    private Integer port;
+
+    /** 是否使用 SSL：true-是，false-否（列名 use_ssl，避免与 MySQL 关键字冲突） */
+    @TableField("use_ssl")
+    private Boolean useSsl;
+
+    /** 邮箱账号 */
+    private String username;
+
+    /** 邮箱授权码（明文存储，前端脱敏返回） */
+    private String password;
+
+    /** 监听的邮件文件夹 */
+    private String folder;
+
+    /** 是否启用监听：true-启用，false-关闭 */
+    private Boolean enabled;
+
+    /** 连接状态：DISCONNECTED-未连接，CONNECTED-已连接，POLLING-轮询中，ERROR-异常 */
+    private String status;
+
+    /** 最近一次连接或拉取失败原因 */
+    private String lastError;
+
+    /** 最近一次成功连接时间 */
+    private LocalDateTime lastConnectedAt;
+
+    /** 已处理的最大邮件 UID，用于增量拉取 */
+    private Long lastUid;
+
+    /** 默认支出分类ID，可为空 */
+    private Long expenseCategoryId;
+
+    /** 默认收入分类ID，可为空 */
+    private Long incomeCategoryId;
+
+    /** 默认标签ID列表（JSON数组） */
+    private String tagIds;
+
+    /** 拉取范围：INCREMENT-仅新邮件，DAYS-最近N天，COUNT-最近N封 */
+    private String fetchScope;
+
+    /** 拉取范围数量：DAYS 为天数，COUNT 为封数 */
+    private Integer fetchLimit;
+}
diff --git a/src/main/java/cn/rosercode/finance/entity/EmailBillMessage.java b/src/main/java/cn/rosercode/finance/entity/EmailBillMessage.java
new file mode 100644
index 0000000..f1db0fe
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/entity/EmailBillMessage.java
@@ -0,0 +1,73 @@
+package cn.rosercode.finance.entity;
+
+import java.time.LocalDateTime;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+/**
+ * 邮箱账单消息实体类，对应数据库表 t_email_bill_message。
+ *
+ * <p>记录从邮箱拉取到的账单附件（仅保存附件到本地并登记元信息），
+ * 解析与入库均由用户在前端手动触发，故不持久化解析结果。</p>
+ *
+ * @date 2026-09-19 16:40:26
+ */
+@Data
+@TableName("t_email_bill_message")
+public class EmailBillMessage {
+
+    /** 消息ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
+    /** 邮箱配置ID */
+    private Long configId;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 邮件 IMAP UID */
+    private Long uid;
+
+    /** 邮件 Message-ID */
+    private String messageId;
+
+    /** 邮件主题 */
+    private String subject;
+
+    /** 发件人地址 */
+    private String fromAddress;
+
+    /** 邮件接收时间 */
+    private LocalDateTime receivedAt;
+
+    /** 附件在邮件中的序号（从0开始） */
+    private Integer attachmentIndex;
+
+    /** 附件文件名 */
+    private String attachmentName;
+
+    /** 附件本地存储相对路径 */
+    private String attachmentPath;
+
+    /** 命中的发件人规则ID */
+    private Long senderRuleId;
+
+    /** 命中的账单类型，未命中时为空 */
+    private String billType;
+
+    /** 处理状态：PULLED-待解析，CONFIRMED-已导入，IGNORED-已忽略 */
+    private String status;
+
+    /** 解析失败原因 */
+    private String error;
+}
diff --git a/src/main/java/cn/rosercode/finance/entity/EmailBillSenderRule.java b/src/main/java/cn/rosercode/finance/entity/EmailBillSenderRule.java
new file mode 100644
index 0000000..c1b8443
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/entity/EmailBillSenderRule.java
@@ -0,0 +1,61 @@
+package cn.rosercode.finance.entity;
+
+import java.time.LocalDateTime;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+/**
+ * 邮箱账单发件人规则实体类，对应数据库表 t_email_bill_sender_rule。
+ *
+ * <p>按邮件发件人匹配账单类型与默认归类：发件人匹配串命中后，即确定该附件所属的
+ * 账单类型、压缩包解压密码以及默认分类与标签。</p>
+ *
+ * @date 2026-09-19 16:40:24
+ */
+@Data
+@TableName("t_email_bill_sender_rule")
+public class EmailBillSenderRule {
+
+    /** 规则ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 规则名称 */
+    private String name;
+
+    /** 是否启用：true-启用，false-停用 */
+    private Boolean enabled;
+
+    /** 优先级，数值越小越优先 */
+    private Integer sortOrder;
+
+    /** 发件人匹配串列表（JSON数组），包含匹配且忽略大小写 */
+    private String senderPatterns;
+
+    /** 命中的账单类型：ALIPAY/WECHAT/MEITUAN/CMB/BOCOM */
+    private String billType;
+
+    /** 该来源账单压缩包解压密码，可为空 */
+    private String archivePassword;
+
+    /** 默认支出分类ID，可为空 */
+    private Long expenseCategoryId;
+
+    /** 默认收入分类ID，可为空 */
+    private Long incomeCategoryId;
+
+    /** 默认标签ID列表（JSON数组） */
+    private String tagIds;
+}
diff --git a/src/main/java/cn/rosercode/finance/entity/HttpLog.java b/src/main/java/cn/rosercode/finance/entity/HttpLog.java
index 10fe1ed..05fee88 100644
--- a/src/main/java/cn/rosercode/finance/entity/HttpLog.java
+++ b/src/main/java/cn/rosercode/finance/entity/HttpLog.java
@@ -20,6 +20,9 @@ public class HttpLog {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
     /** 用户ID，未登录或认证失败时为空 */
     private Long userId;
 
@@ -43,7 +46,4 @@ public class HttpLog {
 
     /** User-Agent */
     private String userAgent;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/LoginLog.java b/src/main/java/cn/rosercode/finance/entity/LoginLog.java
index 0ad5981..31c55b5 100644
--- a/src/main/java/cn/rosercode/finance/entity/LoginLog.java
+++ b/src/main/java/cn/rosercode/finance/entity/LoginLog.java
@@ -20,6 +20,9 @@ public class LoginLog {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
     /** 用户ID，登录失败或用户不存在时为空 */
     private Long userId;
 
@@ -37,7 +40,4 @@ public class LoginLog {
 
     /** User-Agent */
     private String userAgent;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/NotificationChannel.java b/src/main/java/cn/rosercode/finance/entity/NotificationChannel.java
index 312d2c6..cfe5a33 100644
--- a/src/main/java/cn/rosercode/finance/entity/NotificationChannel.java
+++ b/src/main/java/cn/rosercode/finance/entity/NotificationChannel.java
@@ -20,6 +20,12 @@ public class NotificationChannel {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -34,10 +40,4 @@ public class NotificationChannel {
 
     /** 渠道配置（JSON），如 webhook 地址、SMTP 账号等 */
     private String config;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
-
-    /** 更新时间 */
-    private LocalDateTime updatedAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/NotificationConfig.java b/src/main/java/cn/rosercode/finance/entity/NotificationConfig.java
index 1913512..64357ef 100644
--- a/src/main/java/cn/rosercode/finance/entity/NotificationConfig.java
+++ b/src/main/java/cn/rosercode/finance/entity/NotificationConfig.java
@@ -20,6 +20,12 @@ public class NotificationConfig {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -40,10 +46,4 @@ public class NotificationConfig {
 
     /** 最近一次发送时间，用于避免同一周期重复提醒 */
     private LocalDateTime lastSentAt;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
-
-    /** 更新时间 */
-    private LocalDateTime updatedAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/NotificationLog.java b/src/main/java/cn/rosercode/finance/entity/NotificationLog.java
index 2169282..b6729e1 100644
--- a/src/main/java/cn/rosercode/finance/entity/NotificationLog.java
+++ b/src/main/java/cn/rosercode/finance/entity/NotificationLog.java
@@ -20,6 +20,9 @@ public class NotificationLog {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -34,7 +37,4 @@ public class NotificationLog {
 
     /** 结果描述或失败原因 */
     private String message;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/Rule.java b/src/main/java/cn/rosercode/finance/entity/Rule.java
index 9dafddb..c3b5820 100644
--- a/src/main/java/cn/rosercode/finance/entity/Rule.java
+++ b/src/main/java/cn/rosercode/finance/entity/Rule.java
@@ -23,6 +23,12 @@ public class Rule {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -49,10 +55,4 @@ public class Rule {
 
     /** 命中的目标分类ID，null 表示不指定分类 */
     private Long categoryId;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
-
-    /** 更新时间 */
-    private LocalDateTime updatedAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/RuleTag.java b/src/main/java/cn/rosercode/finance/entity/RuleTag.java
index 5caf948..f3aa8fb 100644
--- a/src/main/java/cn/rosercode/finance/entity/RuleTag.java
+++ b/src/main/java/cn/rosercode/finance/entity/RuleTag.java
@@ -20,12 +20,12 @@ public class RuleTag {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
     /** 规则ID */
     private Long ruleId;
 
     /** 标签ID */
     private Long tagId;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/Tag.java b/src/main/java/cn/rosercode/finance/entity/Tag.java
index d0378fd..dce85a7 100644
--- a/src/main/java/cn/rosercode/finance/entity/Tag.java
+++ b/src/main/java/cn/rosercode/finance/entity/Tag.java
@@ -20,6 +20,9 @@ public class Tag {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -31,7 +34,4 @@ public class Tag {
 
     /** 排序序号 */
     private Integer sortOrder;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/Transaction.java b/src/main/java/cn/rosercode/finance/entity/Transaction.java
index 75b5453..432409a 100644
--- a/src/main/java/cn/rosercode/finance/entity/Transaction.java
+++ b/src/main/java/cn/rosercode/finance/entity/Transaction.java
@@ -19,6 +19,12 @@ public class Transaction {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
     /** 所属用户ID */
     private Long userId;
 
@@ -51,10 +57,4 @@ public class Transaction {
 
     /** 账单导入的原始完整数据（结构化JSON），手动记录为空 */
     private String rawData;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
-
-    /** 更新时间 */
-    private LocalDateTime updatedAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/TransactionTag.java b/src/main/java/cn/rosercode/finance/entity/TransactionTag.java
index 6846541..91a93b0 100644
--- a/src/main/java/cn/rosercode/finance/entity/TransactionTag.java
+++ b/src/main/java/cn/rosercode/finance/entity/TransactionTag.java
@@ -20,12 +20,12 @@ public class TransactionTag {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
     /** 交易记录ID */
     private Long transactionId;
 
     /** 标签ID */
     private Long tagId;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/entity/User.java b/src/main/java/cn/rosercode/finance/entity/User.java
index 05a12de..59e135d 100644
--- a/src/main/java/cn/rosercode/finance/entity/User.java
+++ b/src/main/java/cn/rosercode/finance/entity/User.java
@@ -18,6 +18,12 @@ public class User {
     @TableId(type = IdType.AUTO)
     private Long id;
 
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+
     /** 用户名 */
     private String username;
 
@@ -26,10 +32,4 @@ public class User {
 
     /** 昵称 */
     private String nickname;
-
-    /** 创建时间 */
-    private LocalDateTime createdAt;
-
-    /** 更新时间 */
-    private LocalDateTime updatedAt;
 }
diff --git a/src/main/java/cn/rosercode/finance/enums/EmailBillStatus.java b/src/main/java/cn/rosercode/finance/enums/EmailBillStatus.java
new file mode 100644
index 0000000..2691bcc
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/enums/EmailBillStatus.java
@@ -0,0 +1,37 @@
+package cn.rosercode.finance.enums;
+
+/**
+ * 邮箱账单消息处理状态枚举。
+ *
+ * <p>拉取到的账单附件默认处于 {@link #PULLED}（待解析），用户手动解析并导入后置为
+ * {@link #CONFIRMED}，用户主动忽略后置为 {@link #IGNORED}。</p>
+ *
+ * @date 2026-09-19 16:40:18
+ */
+public enum EmailBillStatus {
+
+    /** 已拉取，待用户手动解析 */
+    PULLED("待解析"),
+
+    /** 已确认导入 */
+    CONFIRMED("已导入"),
+
+    /** 已忽略 */
+    IGNORED("已忽略");
+
+    /** 状态的中文名称 */
+    private final String label;
+
+    EmailBillStatus(String label) {
+        this.label = label;
+    }
+
+    /**
+     * 获取状态的中文名称
+     *
+     * @return 中文名称
+     */
+    public String getLabel() {
+        return label;
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/mapper/EmailBillConfigMapper.java b/src/main/java/cn/rosercode/finance/mapper/EmailBillConfigMapper.java
new file mode 100644
index 0000000..c8b8481
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/mapper/EmailBillConfigMapper.java
@@ -0,0 +1,15 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import org.apache.ibatis.annotations.Mapper;
+
+import cn.rosercode.finance.entity.EmailBillConfig;
+
+/**
+ * 邮箱账单配置Mapper接口，继承MyBatis-Plus的BaseMapper，提供邮箱配置表的基础CRUD操作。
+ *
+ * @date 2026-09-19 16:40:29
+ */
+@Mapper
+public interface EmailBillConfigMapper extends BaseMapper<EmailBillConfig> {
+}
diff --git a/src/main/java/cn/rosercode/finance/mapper/EmailBillMessageMapper.java b/src/main/java/cn/rosercode/finance/mapper/EmailBillMessageMapper.java
new file mode 100644
index 0000000..beb2faf
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/mapper/EmailBillMessageMapper.java
@@ -0,0 +1,15 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import org.apache.ibatis.annotations.Mapper;
+
+import cn.rosercode.finance.entity.EmailBillMessage;
+
+/**
+ * 邮箱账单消息Mapper接口，继承MyBatis-Plus的BaseMapper，提供账单消息表的基础CRUD操作。
+ *
+ * @date 2026-09-19 16:40:35
+ */
+@Mapper
+public interface EmailBillMessageMapper extends BaseMapper<EmailBillMessage> {
+}
diff --git a/src/main/java/cn/rosercode/finance/mapper/EmailBillSenderRuleMapper.java b/src/main/java/cn/rosercode/finance/mapper/EmailBillSenderRuleMapper.java
new file mode 100644
index 0000000..576d051
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/mapper/EmailBillSenderRuleMapper.java
@@ -0,0 +1,15 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import org.apache.ibatis.annotations.Mapper;
+
+import cn.rosercode.finance.entity.EmailBillSenderRule;
+
+/**
+ * 邮箱账单发件人规则Mapper接口，继承MyBatis-Plus的BaseMapper，提供发件人规则表的基础CRUD操作。
+ *
+ * @date 2026-09-19 16:40:32
+ */
+@Mapper
+public interface EmailBillSenderRuleMapper extends BaseMapper<EmailBillSenderRule> {
+}
diff --git a/src/main/java/cn/rosercode/finance/scheduler/EmailBillScheduler.java b/src/main/java/cn/rosercode/finance/scheduler/EmailBillScheduler.java
new file mode 100644
index 0000000..8e362ef
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/scheduler/EmailBillScheduler.java
@@ -0,0 +1,76 @@
+package cn.rosercode.finance.scheduler;
+
+import java.util.List;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.scheduling.annotation.Scheduled;
+import org.springframework.stereotype.Component;
+
+import cn.rosercode.finance.email.EmailBillMonitorManager;
+import cn.rosercode.finance.email.EmailBillPuller;
+import cn.rosercode.finance.entity.EmailBillConfig;
+import cn.rosercode.finance.mapper.EmailBillConfigMapper;
+
+/**
+ * 邮箱账单调度器。
+ *
+ * <p>定期同步监听线程（保证启用配置都有常驻监听），并对所有启用配置执行兜底增量检查，
+ * 防止 IDLE 漏事件导致账单邮件未被拉取。</p>
+ *
+ * @date 2026-09-19 16:45:16
+ */
+@Component
+@Slf4j
+public class EmailBillScheduler {
+
+    /** 兜底检查间隔（毫秒） */
+    private static final long FALLBACK_INTERVAL_MS = 300000L;
+
+    private final EmailBillMonitorManager monitorManager;
+    private final EmailBillPuller puller;
+    private final EmailBillConfigMapper configMapper;
+
+    public EmailBillScheduler(EmailBillMonitorManager monitorManager,
+                              EmailBillPuller puller,
+                              EmailBillConfigMapper configMapper) {
+        this.monitorManager = monitorManager;
+        this.puller = puller;
+        this.configMapper = configMapper;
+    }
+
+    /**
+     * 定期同步监听线程，补启动数据库就绪后新增或遗漏的监听。
+     */
+    @Scheduled(fixedDelay = 60000L, initialDelay = 30000L)
+    public void syncMonitors() {
+        try {
+            monitorManager.sync();
+        } catch (Exception e) {
+            log.debug("同步邮箱账单监听失败：{}", e.getMessage());
+        }
+    }
+
+    /**
+     * 定时兜底增量检查：逐个启用配置拉取一次，失败不影响其他配置。
+     */
+    @Scheduled(fixedDelay = FALLBACK_INTERVAL_MS, initialDelay = 90000L)
+    public void fallbackCheck() {
+        List<EmailBillConfig> configs;
+        try {
+            configs = configMapper.selectList(new LambdaQueryWrapper<EmailBillConfig>()
+                    .eq(EmailBillConfig::getEnabled, true)
+                    .orderByAsc(EmailBillConfig::getId));
+        } catch (Exception e) {
+            log.debug("跳过邮箱账单兜底检查，读取配置失败：{}", e.getMessage());
+            return;
+        }
+        for (EmailBillConfig config : configs) {
+            try {
+                puller.pull(config);
+            } catch (Exception e) {
+                log.warn("邮箱账单兜底检查失败: configId={}, error={}", config.getId(), e.getMessage());
+            }
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/service/EmailBillCheckStreamService.java b/src/main/java/cn/rosercode/finance/service/EmailBillCheckStreamService.java
new file mode 100644
index 0000000..e556485
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/EmailBillCheckStreamService.java
@@ -0,0 +1,147 @@
+package cn.rosercode.finance.service;
+
+import java.io.IOException;
+import java.util.Map;
+import java.util.concurrent.ConcurrentHashMap;
+import java.util.concurrent.ExecutorService;
+import java.util.concurrent.Executors;
+
+import jakarta.annotation.PreDestroy;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Service;
+import org.springframework.web.servlet.mvc.method.annotation.SseEmitter;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.email.EmailBillPuller;
+import cn.rosercode.finance.entity.EmailBillConfig;
+
+/**
+ * 邮箱账单立即检查的实时进度推送服务。
+ *
+ * <p>基于 SSE 将「立即检查」的执行进度实时推送给前端：先发送 {@code meta} 事件，
+ * 随后逐行推送 {@code line} 事件，正常结束发送 {@code done}（含新增待处理条数），
+ * 异常时发送 {@code failed}（含失败原因）。同一配置同时只允许一个检查任务。</p>
+ *
+ * @date 2026-09-19 17:21:46
+ */
+@Slf4j
+@Service
+public class EmailBillCheckStreamService {
+
+    private final EmailBillPuller puller;
+    private final EmailBillConfigService configService;
+
+    /** 执行检查任务的守护线程池 */
+    private final ExecutorService executor = Executors.newCachedThreadPool(runnable -> {
+        Thread thread = new Thread(runnable, "email-bill-check-stream");
+        thread.setDaemon(true);
+        return thread;
+    });
+
+    /** 正在检查的配置ID集合 */
+    private final Map<Long, Boolean> running = new ConcurrentHashMap<>();
+
+    public EmailBillCheckStreamService(EmailBillPuller puller, EmailBillConfigService configService) {
+        this.puller = puller;
+        this.configService = configService;
+    }
+
+    /**
+     * 建立立即检查的实时进度流。
+     *
+     * @param userId   当前用户ID
+     * @param configId 邮箱配置ID
+     * @return SSE 发射器
+     */
+    public SseEmitter stream(Long userId, Long configId) {
+        EmailBillConfig config = configService.getRawConfig(userId, configId);
+        if (config == null) {
+            throw new BusinessException("邮箱配置不存在");
+        }
+
+        SseEmitter emitter = new SseEmitter(0L);
+        if (running.putIfAbsent(configId, Boolean.TRUE) != null) {
+            executor.submit(() -> {
+                trySend(emitter, "line", "已有检查正在进行中，请稍候");
+                complete(emitter);
+            });
+            return emitter;
+        }
+        executor.submit(() -> runCheck(emitter, config));
+        return emitter;
+    }
+
+    /**
+     * 应用关闭时停止线程池。
+     */
+    @PreDestroy
+    public void shutdown() {
+        executor.shutdownNow();
+    }
+
+    /**
+     * 执行检查并把进度推送到发射器。
+     *
+     * @param emitter SSE 发射器
+     * @param config  邮箱配置
+     */
+    private void runCheck(SseEmitter emitter, EmailBillConfig config) {
+        try {
+            trySend(emitter, "meta", "{\"configId\":" + config.getId()
+                    + ",\"name\":\"" + escape(config.getName()) + "\""
+                    + ",\"host\":\"" + escape(config.getHost()) + "\"}");
+            int count = puller.pull(config, line -> trySend(emitter, "line", line));
+            trySend(emitter, "done", "{\"count\":" + count + "}");
+        } catch (RuntimeException e) {
+            log.warn("邮箱账单立即检查失败: configId={}, error={}", config.getId(), e.getMessage());
+            trySend(emitter, "failed", "{\"message\":\"" + escape(e.getMessage()) + "\"}");
+        } finally {
+            running.remove(config.getId());
+            complete(emitter);
+        }
+    }
+
+    /**
+     * 推送一个 SSE 事件，客户端已断开时静默失败。
+     *
+     * @param emitter SSE 发射器
+     * @param event   事件名
+     * @param data    事件数据
+     */
+    private void trySend(SseEmitter emitter, String event, String data) {
+        try {
+            emitter.send(SseEmitter.event().name(event).data(data));
+        } catch (IOException | IllegalStateException e) {
+            // 连接已断开或发射器已结束，忽略
+        }
+    }
+
+    /**
+     * 结束 SSE 连接，忽略已完成或已断开的异常。
+     *
+     * @param emitter SSE 发射器
+     */
+    private void complete(SseEmitter emitter) {
+        try {
+            emitter.complete();
+        } catch (Exception ignored) {
+            // 连接可能已断开
+        }
+    }
+
+    /**
+     * 转义 JSON 字符串中的特殊字符。
+     *
+     * @param value 原始字符串
+     * @return 转义后的字符串
+     */
+    private String escape(String value) {
+        if (value == null) {
+            return "";
+        }
+        return value.replace("\\", "\\\\")
+                .replace("\"", "\\\"")
+                .replace("\n", " ")
+                .replace("\r", " ");
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/service/EmailBillConfigService.java b/src/main/java/cn/rosercode/finance/service/EmailBillConfigService.java
new file mode 100644
index 0000000..29d5186
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/EmailBillConfigService.java
@@ -0,0 +1,82 @@
+package cn.rosercode.finance.service;
+
+import java.util.List;
+
+import cn.rosercode.finance.dto.EmailBillConfigRequest;
+import cn.rosercode.finance.entity.EmailBillConfig;
+import cn.rosercode.finance.vo.EmailBillConfigVO;
+
+/**
+ * 邮箱账单配置服务，负责 IMAP 邮箱配置的增删改查、启停与连接测试。
+ *
+ * @date 2026-09-19 16:41:17
+ */
+public interface EmailBillConfigService {
+
+    /**
+     * 查询当前用户的全部邮箱配置。
+     *
+     * @param userId 当前用户ID
+     * @return 邮箱配置视图对象列表
+     */
+    List<EmailBillConfigVO> list(Long userId);
+
+    /**
+     * 新增邮箱配置。
+     *
+     * @param userId  当前用户ID
+     * @param request 配置请求
+     * @return 新配置ID
+     */
+    Long create(Long userId, EmailBillConfigRequest request);
+
+    /**
+     * 更新邮箱配置，授权码留空表示不修改。
+     *
+     * @param userId  当前用户ID
+     * @param id      配置ID
+     * @param request 配置请求
+     */
+    void update(Long userId, Long id, EmailBillConfigRequest request);
+
+    /**
+     * 删除邮箱配置，同时清理其拉取到的消息记录。
+     *
+     * @param userId 当前用户ID
+     * @param id     配置ID
+     */
+    void delete(Long userId, Long id);
+
+    /**
+     * 切换邮箱配置的启用状态。
+     *
+     * @param userId  当前用户ID
+     * @param id      配置ID
+     * @param enabled 是否启用
+     */
+    void toggleEnabled(Long userId, Long id, Boolean enabled);
+
+    /**
+     * 测试邮箱配置的 IMAP 连接是否可用，并回写连接状态。
+     *
+     * @param userId 当前用户ID
+     * @param id     配置ID
+     */
+    void testConnection(Long userId, Long id);
+
+    /**
+     * 获取归属当前用户的邮箱配置实体。
+     *
+     * @param userId 当前用户ID
+     * @param id     配置ID
+     * @return 邮箱配置实体
+     */
+    EmailBillConfig getRawConfig(Long userId, Long id);
+
+    /**
+     * 查询所有已启用的邮箱配置，供后台监听线程加载。
+     *
+     * @return 已启用的邮箱配置列表
+     */
+    List<EmailBillConfig> listEnabledConfigs();
+}
diff --git a/src/main/java/cn/rosercode/finance/service/EmailBillMessageService.java b/src/main/java/cn/rosercode/finance/service/EmailBillMessageService.java
new file mode 100644
index 0000000..db32fe8
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/EmailBillMessageService.java
@@ -0,0 +1,64 @@
+package cn.rosercode.finance.service;
+
+import cn.rosercode.finance.common.PageResult;
+import cn.rosercode.finance.dto.BillImportRequest;
+import cn.rosercode.finance.dto.EmailBillParseRequest;
+import cn.rosercode.finance.vo.BillImportResultVO;
+import cn.rosercode.finance.vo.BillParseResultVO;
+import cn.rosercode.finance.vo.EmailBillMessageVO;
+
+/**
+ * 邮箱账单消息服务，负责待处理列表与「解析、选择、入库」三步流程。
+ *
+ * @date 2026-09-19 16:48:42
+ */
+public interface EmailBillMessageService {
+
+    /**
+     * 分页查询拉取到的账单消息。
+     *
+     * @param userId   当前用户ID
+     * @param status   处理状态筛选，可为空
+     * @param configId 邮箱配置ID筛选，可为空
+     * @param page     页码，从 1 开始
+     * @param size     每页大小
+     * @return 分页结果
+     */
+    PageResult<EmailBillMessageVO> page(Long userId, String status, Long configId, int page, int size);
+
+    /**
+     * 解析指定消息的本地附件，返回预览行（不落库）。
+     *
+     * @param userId    当前用户ID
+     * @param messageId 消息ID
+     * @param request   解析请求，可覆盖账单类型与解压密码
+     * @return 解析预览结果
+     */
+    BillParseResultVO parse(Long userId, Long messageId, EmailBillParseRequest request);
+
+    /**
+     * 导入用户在预览中勾选的账单行，成功后标记消息为已导入。
+     *
+     * @param userId    当前用户ID
+     * @param messageId 消息ID
+     * @param request   导入请求
+     * @return 导入结果统计
+     */
+    BillImportResultVO importBill(Long userId, Long messageId, BillImportRequest request);
+
+    /**
+     * 忽略指定消息。
+     *
+     * @param userId    当前用户ID
+     * @param messageId 消息ID
+     */
+    void ignore(Long userId, Long messageId);
+
+    /**
+     * 删除指定消息及其本地附件。
+     *
+     * @param userId    当前用户ID
+     * @param messageId 消息ID
+     */
+    void delete(Long userId, Long messageId);
+}
diff --git a/src/main/java/cn/rosercode/finance/service/EmailBillSenderRuleService.java b/src/main/java/cn/rosercode/finance/service/EmailBillSenderRuleService.java
new file mode 100644
index 0000000..f256e64
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/EmailBillSenderRuleService.java
@@ -0,0 +1,66 @@
+package cn.rosercode.finance.service;
+
+import java.util.List;
+
+import cn.rosercode.finance.dto.EmailBillSenderRuleRequest;
+import cn.rosercode.finance.entity.EmailBillSenderRule;
+import cn.rosercode.finance.vo.EmailBillSenderRuleVO;
+
+/**
+ * 邮箱账单发件人规则服务，负责发件人识别规则的增删改查与启用停用。
+ *
+ * @date 2026-09-19 16:40:50
+ */
+public interface EmailBillSenderRuleService {
+
+    /**
+     * 查询当前用户的全部发件人规则。
+     *
+     * @param userId 当前用户ID
+     * @return 规则视图对象列表，按优先级升序
+     */
+    List<EmailBillSenderRuleVO> list(Long userId);
+
+    /**
+     * 新增发件人规则。
+     *
+     * @param userId  当前用户ID
+     * @param request 规则请求
+     * @return 新规则ID
+     */
+    Long create(Long userId, EmailBillSenderRuleRequest request);
+
+    /**
+     * 更新发件人规则。
+     *
+     * @param userId  当前用户ID
+     * @param id      规则ID
+     * @param request 规则请求
+     */
+    void update(Long userId, Long id, EmailBillSenderRuleRequest request);
+
+    /**
+     * 删除发件人规则。
+     *
+     * @param userId 当前用户ID
+     * @param id     规则ID
+     */
+    void delete(Long userId, Long id);
+
+    /**
+     * 切换发件人规则的启用状态。
+     *
+     * @param userId  当前用户ID
+     * @param id      规则ID
+     * @param enabled 是否启用
+     */
+    void toggleEnabled(Long userId, Long id, Boolean enabled);
+
+    /**
+     * 查询当前用户所有已启用的发件人规则，供邮件拉取时匹配。
+     *
+     * @param userId 当前用户ID
+     * @return 已启用规则列表，按优先级升序
+     */
+    List<EmailBillSenderRule> listEnabledRules(Long userId);
+}
diff --git a/src/main/java/cn/rosercode/finance/service/impl/DefaultDataInitializer.java b/src/main/java/cn/rosercode/finance/service/impl/DefaultDataInitializer.java
index 4fa79d5..fc8d4ae 100644
--- a/src/main/java/cn/rosercode/finance/service/impl/DefaultDataInitializer.java
+++ b/src/main/java/cn/rosercode/finance/service/impl/DefaultDataInitializer.java
@@ -2,17 +2,21 @@ package cn.rosercode.finance.service.impl;
 
 import java.util.List;
 
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.databind.ObjectMapper;
 import org.springframework.stereotype.Component;
 
 import cn.rosercode.finance.entity.Category;
+import cn.rosercode.finance.entity.EmailBillSenderRule;
 import cn.rosercode.finance.entity.Tag;
 import cn.rosercode.finance.mapper.CategoryMapper;
+import cn.rosercode.finance.mapper.EmailBillSenderRuleMapper;
 import cn.rosercode.finance.mapper.TagMapper;
 
 /**
  * 默认数据初始化器。
  *
- * <p>为新注册用户创建一套默认分类与标签。相比原先需要手动执行的 SQL 种子脚本，
+ * <p>为新注册用户创建一套默认分类、标签与邮箱账单发件人规则。相比原先需要手动执行的 SQL 种子脚本，
  * 使用 Java 代码插入可同时兼容 MySQL 与 SQLite 两种数据库。</p>
  *
  * @date 2026-09-18 11:02:15
@@ -59,16 +63,36 @@ public class DefaultDataInitializer {
             new TagSeed("宠物", "#a16207", 120),
             new TagSeed("电影", "#14b8a6", 130));
 
+    /** 默认邮箱账单发件人规则（名称、发件人匹配串、账单类型、排序） */
+    private static final List<SenderRuleSeed> DEFAULT_SENDER_RULES = List.of(
+            new SenderRuleSeed("支付宝账单",
+                    List.of("service@mail.alipay.com", "@alipay.com"), "ALIPAY", 10),
+            new SenderRuleSeed("微信支付账单",
+                    List.of("@wechatpay.com", "@tenpay.com"), "WECHAT", 20),
+            new SenderRuleSeed("美团账单",
+                    List.of("it_paybill@meituan.com", "@meituan.com"), "MEITUAN", 30),
+            new SenderRuleSeed("招商银行账单",
+                    List.of("95555@message.cmbchina.com", "@message.cmbchina.com"), "CMB", 40),
+            new SenderRuleSeed("交通银行账单",
+                    List.of("@bankcomm.com"), "BOCOM", 50));
+
     private final CategoryMapper categoryMapper;
     private final TagMapper tagMapper;
+    private final EmailBillSenderRuleMapper emailBillSenderRuleMapper;
+    private final ObjectMapper objectMapper;
 
-    public DefaultDataInitializer(CategoryMapper categoryMapper, TagMapper tagMapper) {
+    public DefaultDataInitializer(CategoryMapper categoryMapper,
+                                  TagMapper tagMapper,
+                                  EmailBillSenderRuleMapper emailBillSenderRuleMapper,
+                                  ObjectMapper objectMapper) {
         this.categoryMapper = categoryMapper;
         this.tagMapper = tagMapper;
+        this.emailBillSenderRuleMapper = emailBillSenderRuleMapper;
+        this.objectMapper = objectMapper;
     }
 
     /**
-     * 为指定用户初始化默认分类与标签。
+     * 为指定用户初始化默认分类、标签与发件人规则。
      *
      * @param userId 用户ID
      */
@@ -87,6 +111,16 @@ public class DefaultDataInitializer {
             tag.setSortOrder(seed.sortOrder());
             tagMapper.insert(tag);
         }
+        for (SenderRuleSeed seed : DEFAULT_SENDER_RULES) {
+            EmailBillSenderRule rule = new EmailBillSenderRule();
+            rule.setUserId(userId);
+            rule.setName(seed.name());
+            rule.setEnabled(true);
+            rule.setSortOrder(seed.sortOrder());
+            rule.setSenderPatterns(writePatterns(seed.patterns()));
+            rule.setBillType(seed.billType());
+            emailBillSenderRuleMapper.insert(rule);
+        }
     }
 
     /**
@@ -106,6 +140,20 @@ public class DefaultDataInitializer {
         categoryMapper.insert(category);
     }
 
+    /**
+     * 将发件人匹配串序列化为 JSON 数组。
+     *
+     * @param patterns 匹配串列表
+     * @return JSON 字符串
+     */
+    private String writePatterns(List<String> patterns) {
+        try {
+            return objectMapper.writeValueAsString(patterns);
+        } catch (JsonProcessingException e) {
+            throw new IllegalStateException("序列化默认发件人规则失败：" + e.getMessage(), e);
+        }
+    }
+
     /**
      * 分类种子数据。
      *
@@ -125,4 +173,15 @@ public class DefaultDataInitializer {
      */
     private record TagSeed(String name, String color, int sortOrder) {
     }
+
+    /**
+     * 发件人规则种子数据。
+     *
+     * @param name      规则名称
+     * @param patterns  发件人匹配串列表
+     * @param billType  账单类型
+     * @param sortOrder 排序序号
+     */
+    private record SenderRuleSeed(String name, List<String> patterns, String billType, int sortOrder) {
+    }
 }
diff --git a/src/main/java/cn/rosercode/finance/service/impl/EmailBillConfigServiceImpl.java b/src/main/java/cn/rosercode/finance/service/impl/EmailBillConfigServiceImpl.java
new file mode 100644
index 0000000..745922f
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/impl/EmailBillConfigServiceImpl.java
@@ -0,0 +1,416 @@
+package cn.rosercode.finance.service.impl;
+
+import java.time.LocalDateTime;
+import java.util.ArrayList;
+import java.util.List;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.core.type.TypeReference;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import jakarta.mail.Folder;
+import jakarta.mail.MessagingException;
+import jakarta.mail.Store;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.util.StringUtils;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.converter.VoConverter;
+import cn.rosercode.finance.dto.EmailBillConfigRequest;
+import cn.rosercode.finance.email.EmailBillMonitorManager;
+import cn.rosercode.finance.email.EmailImapConnector;
+import cn.rosercode.finance.entity.Category;
+import cn.rosercode.finance.entity.EmailBillConfig;
+import cn.rosercode.finance.entity.EmailBillMessage;
+import cn.rosercode.finance.entity.Tag;
+import cn.rosercode.finance.mapper.CategoryMapper;
+import cn.rosercode.finance.mapper.EmailBillConfigMapper;
+import cn.rosercode.finance.mapper.EmailBillMessageMapper;
+import cn.rosercode.finance.mapper.TagMapper;
+import cn.rosercode.finance.service.EmailBillConfigService;
+import cn.rosercode.finance.vo.EmailBillConfigVO;
+
+/**
+ * 邮箱账单配置服务实现类，处理 IMAP 邮箱配置的增删改查、启停与连接测试。
+ *
+ * <p>授权码明文持久化但不在视图对象中返回；测试连接成功或失败都会回写连接状态，
+ * 便于前端直接展示邮箱的可用性。</p>
+ *
+ * @date 2026-09-19 16:41:23
+ */
+@Service
+@Slf4j
+public class EmailBillConfigServiceImpl implements EmailBillConfigService {
+
+    /** 默认 IMAP 端口 */
+    private static final int DEFAULT_PORT = 993;
+
+    /** 默认监听文件夹 */
+    private static final String DEFAULT_FOLDER = "INBOX";
+
+    /** 失败原因最大长度 */
+    private static final int ERROR_LIMIT = 500;
+
+    /** 拉取范围：仅新邮件 */
+    private static final String SCOPE_INCREMENT = "INCREMENT";
+
+    /** 拉取范围：最近 N 天 */
+    private static final String SCOPE_DAYS = "DAYS";
+
+    /** 拉取范围：最近 N 封 */
+    private static final String SCOPE_COUNT = "COUNT";
+
+    private final EmailBillConfigMapper configMapper;
+    private final EmailBillMessageMapper messageMapper;
+    private final CategoryMapper categoryMapper;
+    private final TagMapper tagMapper;
+    private final ObjectMapper objectMapper;
+    private final VoConverter voConverter;
+    private final EmailImapConnector imapConnector;
+    private final EmailBillMonitorManager monitorManager;
+
+    public EmailBillConfigServiceImpl(EmailBillConfigMapper configMapper,
+                                      EmailBillMessageMapper messageMapper,
+                                      CategoryMapper categoryMapper,
+                                      TagMapper tagMapper,
+                                      ObjectMapper objectMapper,
+                                      VoConverter voConverter,
+                                      EmailImapConnector imapConnector,
+                                      EmailBillMonitorManager monitorManager) {
+        this.configMapper = configMapper;
+        this.messageMapper = messageMapper;
+        this.categoryMapper = categoryMapper;
+        this.tagMapper = tagMapper;
+        this.objectMapper = objectMapper;
+        this.voConverter = voConverter;
+        this.imapConnector = imapConnector;
+        this.monitorManager = monitorManager;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<EmailBillConfigVO> list(Long userId) {
+        List<EmailBillConfig> configs = configMapper.selectList(new LambdaQueryWrapper<EmailBillConfig>()
+                .eq(EmailBillConfig::getUserId, userId)
+                .orderByAsc(EmailBillConfig::getId));
+        List<EmailBillConfigVO> result = new ArrayList<>();
+        for (EmailBillConfig config : configs) {
+            result.add(toVO(config));
+        }
+        return result;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 新增时授权码必填。
+     */
+    @Override
+    @Transactional
+    public Long create(Long userId, EmailBillConfigRequest request) {
+        if (!StringUtils.hasText(request.getPassword())) {
+            throw new BusinessException("请填写邮箱授权码");
+        }
+        validateCategories(userId, request);
+        EmailBillConfig config = new EmailBillConfig();
+        config.setUserId(userId);
+        applyRequest(config, request);
+        config.setStatus("DISCONNECTED");
+        configMapper.insert(config);
+        monitorManager.refresh(config.getId());
+        log.info("新增邮箱账单配置: userId={}, id={}, host={}", userId, config.getId(), config.getHost());
+        return config.getId();
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void update(Long userId, Long id, EmailBillConfigRequest request) {
+        EmailBillConfig config = getRawConfig(userId, id);
+        validateCategories(userId, request);
+        applyRequest(config, request);
+        configMapper.updateById(config);
+        monitorManager.refresh(id);
+        log.info("更新邮箱账单配置: userId={}, id={}, host={}", userId, id, config.getHost());
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void delete(Long userId, Long id) {
+        getRawConfig(userId, id);
+        messageMapper.delete(new LambdaQueryWrapper<EmailBillMessage>()
+                .eq(EmailBillMessage::getConfigId, id));
+        configMapper.deleteById(id);
+        monitorManager.refresh(id);
+        log.info("删除邮箱账单配置: userId={}, id={}", userId, id);
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void toggleEnabled(Long userId, Long id, Boolean enabled) {
+        EmailBillConfig config = getRawConfig(userId, id);
+        config.setEnabled(enabled == null ? Boolean.TRUE : enabled);
+        configMapper.updateById(config);
+        monitorManager.refresh(id);
+        log.info("切换邮箱账单配置状态: userId={}, id={}, enabled={}", userId, id, config.getEnabled());
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public void testConnection(Long userId, Long id) {
+        EmailBillConfig config = getRawConfig(userId, id);
+        Store store = null;
+        Folder folder = null;
+        try {
+            store = imapConnector.connect(config);
+            folder = store.getFolder(config.getFolder());
+            folder.open(Folder.READ_ONLY);
+            config.setStatus("CONNECTED");
+            config.setLastError(null);
+            config.setLastConnectedAt(LocalDateTime.now());
+            configMapper.updateById(config);
+            log.info("邮箱账单配置连接测试成功: userId={}, id={}, host={}", userId, id, config.getHost());
+        } catch (MessagingException e) {
+            config.setStatus("ERROR");
+            config.setLastError(truncate(e.getMessage()));
+            configMapper.updateById(config);
+            log.warn("邮箱账单配置连接测试失败: userId={}, id={}, error={}", userId, id, e.getMessage());
+            throw new BusinessException("连接失败：" + e.getMessage());
+        } finally {
+            closeQuietly(folder);
+            closeQuietly(store);
+        }
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public EmailBillConfig getRawConfig(Long userId, Long id) {
+        EmailBillConfig config = configMapper.selectById(id);
+        if (config == null || !config.getUserId().equals(userId)) {
+            throw new BusinessException("邮箱配置不存在");
+        }
+        return config;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<EmailBillConfig> listEnabledConfigs() {
+        return configMapper.selectList(new LambdaQueryWrapper<EmailBillConfig>()
+                .eq(EmailBillConfig::getEnabled, true)
+                .orderByAsc(EmailBillConfig::getId));
+    }
+
+    /**
+     * 将请求字段写入配置实体，统一处理默认值；授权码留空时保留原值。
+     *
+     * @param config  目标配置实体
+     * @param request 配置请求参数
+     */
+    private void applyRequest(EmailBillConfig config, EmailBillConfigRequest request) {
+        config.setName(request.getName().trim());
+        config.setHost(request.getHost().trim());
+        config.setPort(request.getPort() != null ? request.getPort() : DEFAULT_PORT);
+        config.setUseSsl(request.getSsl() == null || request.getSsl());
+        config.setUsername(request.getUsername().trim());
+        // 授权码留空表示不修改
+        if (StringUtils.hasText(request.getPassword())) {
+            config.setPassword(request.getPassword().trim());
+        }
+        config.setFolder(StringUtils.hasText(request.getFolder()) ? request.getFolder().trim() : DEFAULT_FOLDER);
+        config.setEnabled(request.getEnabled() != null && request.getEnabled());
+        config.setExpenseCategoryId(request.getExpenseCategoryId());
+        config.setIncomeCategoryId(request.getIncomeCategoryId());
+        List<Long> tagIds = validTagIds(request.getTagIds());
+        config.setTagIds(tagIds.isEmpty() ? null : writeJson(tagIds));
+        config.setFetchScope(resolveFetchScope(request.getFetchScope()));
+        config.setFetchLimit(resolveFetchLimit(config.getFetchScope(), request.getFetchLimit()));
+    }
+
+    /**
+     * 规范化拉取范围，非法值回退为增量模式。
+     *
+     * @param scope 原始范围
+     * @return INCREMENT / DAYS / COUNT
+     */
+    private String resolveFetchScope(String scope) {
+        if (!StringUtils.hasText(scope)) {
+            return SCOPE_INCREMENT;
+        }
+        String upper = scope.trim().toUpperCase();
+        if (SCOPE_DAYS.equals(upper) || SCOPE_COUNT.equals(upper)) {
+            return upper;
+        }
+        return SCOPE_INCREMENT;
+    }
+
+    /**
+     * 规范化拉取范围数量，按范围类型回退默认值。
+     *
+     * @param scope 拉取范围
+     * @param limit 原始数量
+     * @return 规范化后的数量，增量模式返回 null
+     */
+    private Integer resolveFetchLimit(String scope, Integer limit) {
+        if (SCOPE_DAYS.equals(scope)) {
+            return limit != null && limit > 0 ? limit : 1;
+        }
+        if (SCOPE_COUNT.equals(scope)) {
+            return limit != null && limit > 0 ? limit : 20;
+        }
+        return null;
+    }
+
+    /**
+     * 校验默认分类的归属与类型一致性。
+     *
+     * @param userId  当前用户ID
+     * @param request 配置请求参数
+     */
+    private void validateCategories(Long userId, EmailBillConfigRequest request) {
+        validateCategory(userId, request.getExpenseCategoryId(), "EXPENSE");
+        validateCategory(userId, request.getIncomeCategoryId(), "INCOME");
+    }
+
+    /**
+     * 校验分类是否存在、归属当前用户且类型匹配。
+     *
+     * @param userId     当前用户ID
+     * @param categoryId 分类ID，可为空
+     * @param type       期望的分类类型
+     */
+    private void validateCategory(Long userId, Long categoryId, String type) {
+        if (categoryId == null) {
+            return;
+        }
+        Category category = categoryMapper.selectById(categoryId);
+        if (category == null || !category.getUserId().equals(userId)) {
+            throw new BusinessException("分类不存在");
+        }
+        if (!type.equals(category.getType())) {
+            throw new BusinessException("默认分类与收支类型不匹配");
+        }
+    }
+
+    /**
+     * 过滤出属于当前用户的有效标签ID。
+     *
+     * @param tagIds 待校验的标签ID列表
+     * @return 有效的标签ID列表
+     */
+    private List<Long> validTagIds(List<Long> tagIds) {
+        if (tagIds == null || tagIds.isEmpty()) {
+            return List.of();
+        }
+        return tagMapper.selectBatchIds(tagIds).stream()
+                .map(Tag::getId)
+                .toList();
+    }
+
+    /**
+     * 将配置实体转为视图对象，还原默认标签列表。
+     *
+     * @param config 配置实体
+     * @return 配置视图对象
+     */
+    private EmailBillConfigVO toVO(EmailBillConfig config) {
+        EmailBillConfigVO vo = voConverter.toEmailBillConfigVO(config);
+        vo.setTagIds(parseLongList(config.getTagIds()));
+        return vo;
+    }
+
+    /**
+     * 序列化对象为 JSON 字符串。
+     *
+     * @param value 待序列化对象
+     * @return JSON 字符串
+     */
+    private String writeJson(Object value) {
+        try {
+            return objectMapper.writeValueAsString(value);
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("序列化邮箱配置失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 解析 JSON 数字数组。
+     *
+     * @param json JSON 字符串
+     * @return 数字列表，解析失败或为空时返回空列表
+     */
+    private List<Long> parseLongList(String json) {
+        if (!StringUtils.hasText(json)) {
+            return List.of();
+        }
+        try {
+            return objectMapper.readValue(json, new TypeReference<List<Long>>() {
+            });
+        } catch (JsonProcessingException e) {
+            log.warn("解析默认标签列表失败：{}", e.getMessage());
+            return List.of();
+        }
+    }
+
+    /**
+     * 静默关闭邮件文件夹。
+     *
+     * @param folder 文件夹，可为 null
+     */
+    private void closeQuietly(Folder folder) {
+        if (folder == null || !folder.isOpen()) {
+            return;
+        }
+        try {
+            folder.close(false);
+        } catch (MessagingException ignored) {
+            // 关闭失败不影响测试结果
+        }
+    }
+
+    /**
+     * 静默关闭邮件连接。
+     *
+     * @param store 连接，可为 null
+     */
+    private void closeQuietly(Store store) {
+        if (store == null) {
+            return;
+        }
+        try {
+            store.close();
+        } catch (MessagingException ignored) {
+            // 关闭失败不影响测试结果
+        }
+    }
+
+    /**
+     * 截断过长的失败原因。
+     *
+     * @param message 原文
+     * @return 截断后的文本
+     */
+    private String truncate(String message) {
+        if (message == null) {
+            return null;
+        }
+        return message.length() <= ERROR_LIMIT ? message : message.substring(0, ERROR_LIMIT);
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/service/impl/EmailBillMessageServiceImpl.java b/src/main/java/cn/rosercode/finance/service/impl/EmailBillMessageServiceImpl.java
new file mode 100644
index 0000000..1ef18e5
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/impl/EmailBillMessageServiceImpl.java
@@ -0,0 +1,243 @@
+package cn.rosercode.finance.service.impl;
+
+import java.io.IOException;
+import java.util.ArrayList;
+import java.util.List;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.baomidou.mybatisplus.core.conditions.update.LambdaUpdateWrapper;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.util.StringUtils;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.common.PageResult;
+import cn.rosercode.finance.converter.VoConverter;
+import cn.rosercode.finance.dto.BillImportRequest;
+import cn.rosercode.finance.dto.EmailBillParseRequest;
+import cn.rosercode.finance.email.EmailBillStorage;
+import cn.rosercode.finance.entity.EmailBillMessage;
+import cn.rosercode.finance.entity.EmailBillSenderRule;
+import cn.rosercode.finance.enums.BillType;
+import cn.rosercode.finance.enums.EmailBillStatus;
+import cn.rosercode.finance.mapper.EmailBillMessageMapper;
+import cn.rosercode.finance.mapper.EmailBillSenderRuleMapper;
+import cn.rosercode.finance.service.BillImportService;
+import cn.rosercode.finance.service.EmailBillMessageService;
+import cn.rosercode.finance.vo.BillImportResultVO;
+import cn.rosercode.finance.vo.BillParseResultVO;
+import cn.rosercode.finance.vo.EmailBillMessageVO;
+
+/**
+ * 邮箱账单消息服务实现类，实现待处理列表与「解析、选择、入库」三步流程。
+ *
+ * <p>解析阶段读取本地附件并复用账单导入服务，返回预览行但不落库；
+ * 导入阶段复用账单导入服务写入交易记录，成功后标记消息为已导入。</p>
+ *
+ * @date 2026-09-19 16:48:46
+ */
+@Service
+@Slf4j
+public class EmailBillMessageServiceImpl implements EmailBillMessageService {
+
+    /** 单页最大条数 */
+    private static final int MAX_PAGE_SIZE = 100;
+
+    /** 失败原因最大长度 */
+    private static final int ERROR_LIMIT = 500;
+
+    private final EmailBillMessageMapper messageMapper;
+    private final EmailBillSenderRuleMapper senderRuleMapper;
+    private final EmailBillStorage storage;
+    private final BillImportService billImportService;
+    private final VoConverter voConverter;
+
+    public EmailBillMessageServiceImpl(EmailBillMessageMapper messageMapper,
+                                       EmailBillSenderRuleMapper senderRuleMapper,
+                                       EmailBillStorage storage,
+                                       BillImportService billImportService,
+                                       VoConverter voConverter) {
+        this.messageMapper = messageMapper;
+        this.senderRuleMapper = senderRuleMapper;
+        this.storage = storage;
+        this.billImportService = billImportService;
+        this.voConverter = voConverter;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public PageResult<EmailBillMessageVO> page(Long userId, String status, Long configId, int page, int size) {
+        int safePage = Math.max(page, 1);
+        int safeSize = Math.min(Math.max(size, 1), MAX_PAGE_SIZE);
+        LambdaQueryWrapper<EmailBillMessage> wrapper = new LambdaQueryWrapper<EmailBillMessage>()
+                .eq(EmailBillMessage::getUserId, userId)
+                .eq(StringUtils.hasText(status), EmailBillMessage::getStatus, status)
+                .eq(configId != null, EmailBillMessage::getConfigId, configId);
+
+        Long total = messageMapper.selectCount(wrapper);
+        long offset = (long) (safePage - 1) * safeSize;
+        List<EmailBillMessage> messages = messageMapper.selectList(wrapper
+                .orderByDesc(EmailBillMessage::getId)
+                .last("LIMIT " + safeSize + " OFFSET " + offset));
+
+        List<EmailBillMessageVO> records = new ArrayList<>();
+        for (EmailBillMessage message : messages) {
+            records.add(voConverter.toEmailBillMessageVO(message));
+        }
+        return new PageResult<>(records, total == null ? 0L : total, safePage, safeSize);
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 账单类型与解压密码默认取发件人规则，请求中提供时覆盖；解析失败会记录失败原因。
+     */
+    @Override
+    public BillParseResultVO parse(Long userId, Long messageId, EmailBillParseRequest request) {
+        EmailBillMessage message = requireMessage(userId, messageId);
+        BillType billType = resolveBillType(message, request);
+        String password = resolvePassword(message, request);
+
+        byte[] content;
+        try {
+            content = storage.read(message.getAttachmentPath());
+        } catch (RuntimeException e) {
+            updateError(message, "读取附件失败：" + e.getMessage());
+            throw e;
+        }
+
+        try {
+            BillParseResultVO result = billImportService.parse(userId, billType, content, password);
+            updateError(message, null);
+            return result;
+        } catch (IOException e) {
+            updateError(message, "解析失败：" + e.getMessage());
+            throw new BusinessException("解析失败：" + e.getMessage());
+        } catch (RuntimeException e) {
+            updateError(message, e.getMessage());
+            throw e;
+        }
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public BillImportResultVO importBill(Long userId, Long messageId, BillImportRequest request) {
+        EmailBillMessage message = requireMessage(userId, messageId);
+        BillImportResultVO result = billImportService.confirm(userId, request);
+        message.setStatus(EmailBillStatus.CONFIRMED.name());
+        message.setError(null);
+        messageMapper.updateById(message);
+        log.info("邮箱账单导入完成: userId={}, messageId={}, 成功={}", userId, messageId, result.getImported());
+        return result;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void ignore(Long userId, Long messageId) {
+        EmailBillMessage message = requireMessage(userId, messageId);
+        message.setStatus(EmailBillStatus.IGNORED.name());
+        messageMapper.updateById(message);
+        log.info("忽略邮箱账单消息: userId={}, messageId={}", userId, messageId);
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void delete(Long userId, Long messageId) {
+        EmailBillMessage message = requireMessage(userId, messageId);
+        storage.delete(message.getAttachmentPath());
+        messageMapper.deleteById(messageId);
+        log.info("删除邮箱账单消息: userId={}, messageId={}", userId, messageId);
+    }
+
+    /**
+     * 获取归属当前用户的消息实体。
+     *
+     * @param userId    当前用户ID
+     * @param messageId 消息ID
+     * @return 消息实体
+     */
+    private EmailBillMessage requireMessage(Long userId, Long messageId) {
+        EmailBillMessage message = messageMapper.selectById(messageId);
+        if (message == null || !message.getUserId().equals(userId)) {
+            throw new BusinessException("账单消息不存在");
+        }
+        return message;
+    }
+
+    /**
+     * 解析账单类型：优先请求指定，其次发件人规则识别结果。
+     *
+     * @param message 消息实体
+     * @param request 解析请求
+     * @return 账单类型
+     */
+    private BillType resolveBillType(EmailBillMessage message, EmailBillParseRequest request) {
+        String value = request != null && StringUtils.hasText(request.getBillType())
+                ? request.getBillType() : message.getBillType();
+        if (!StringUtils.hasText(value)) {
+            throw new BusinessException("请选择账单类型");
+        }
+        try {
+            return BillType.valueOf(value.trim().toUpperCase());
+        } catch (IllegalArgumentException e) {
+            throw new BusinessException("不支持的账单类型：" + value);
+        }
+    }
+
+    /**
+     * 解析解压密码：优先请求指定，其次发件人规则配置。
+     *
+     * @param message 消息实体
+     * @param request 解析请求
+     * @return 解压密码，均为空时返回 null
+     */
+    private String resolvePassword(EmailBillMessage message, EmailBillParseRequest request) {
+        if (request != null && StringUtils.hasText(request.getPassword())) {
+            return request.getPassword().trim();
+        }
+        if (message.getSenderRuleId() != null) {
+            EmailBillSenderRule rule = senderRuleMapper.selectById(message.getSenderRuleId());
+            if (rule != null && StringUtils.hasText(rule.getArchivePassword())) {
+                return rule.getArchivePassword();
+            }
+        }
+        return null;
+    }
+
+    /**
+     * 更新消息的解析失败原因。
+     *
+     * @param message 消息实体
+     * @param error   失败原因，null 表示清空
+     */
+    private void updateError(EmailBillMessage message, String error) {
+        messageMapper.update(null, new LambdaUpdateWrapper<EmailBillMessage>()
+                .eq(EmailBillMessage::getId, message.getId())
+                .set(EmailBillMessage::getError, truncate(error)));
+    }
+
+    /**
+     * 截断过长的失败原因。
+     *
+     * @param error 原文
+     * @return 截断后的文本
+     */
+    private String truncate(String error) {
+        if (error == null) {
+            return null;
+        }
+        return error.length() <= ERROR_LIMIT ? error : error.substring(0, ERROR_LIMIT);
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/service/impl/EmailBillSenderRuleServiceImpl.java b/src/main/java/cn/rosercode/finance/service/impl/EmailBillSenderRuleServiceImpl.java
new file mode 100644
index 0000000..3ccb049
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/impl/EmailBillSenderRuleServiceImpl.java
@@ -0,0 +1,307 @@
+package cn.rosercode.finance.service.impl;
+
+import java.util.ArrayList;
+import java.util.List;
+
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.core.type.TypeReference;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+import org.springframework.util.StringUtils;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.converter.VoConverter;
+import cn.rosercode.finance.dto.EmailBillSenderRuleRequest;
+import cn.rosercode.finance.entity.Category;
+import cn.rosercode.finance.entity.EmailBillSenderRule;
+import cn.rosercode.finance.entity.Tag;
+import cn.rosercode.finance.enums.BillType;
+import cn.rosercode.finance.mapper.CategoryMapper;
+import cn.rosercode.finance.mapper.EmailBillSenderRuleMapper;
+import cn.rosercode.finance.mapper.TagMapper;
+import cn.rosercode.finance.service.EmailBillSenderRuleService;
+import cn.rosercode.finance.vo.EmailBillSenderRuleVO;
+
+/**
+ * 邮箱账单发件人规则服务实现类，处理发件人识别规则的增删改查与匹配数据准备。
+ *
+ * <p>发件人匹配串与默认标签以 JSON 数组持久化，视图对象中还原为列表；
+ * 匹配本身在邮件拉取时由 {@code EmailBillProcessor} 按优先级完成。</p>
+ *
+ * @date 2026-09-19 16:41:07
+ */
+@Service
+@Slf4j
+public class EmailBillSenderRuleServiceImpl implements EmailBillSenderRuleService {
+
+    private final EmailBillSenderRuleMapper senderRuleMapper;
+    private final CategoryMapper categoryMapper;
+    private final TagMapper tagMapper;
+    private final ObjectMapper objectMapper;
+    private final VoConverter voConverter;
+
+    public EmailBillSenderRuleServiceImpl(EmailBillSenderRuleMapper senderRuleMapper,
+                                          CategoryMapper categoryMapper,
+                                          TagMapper tagMapper,
+                                          ObjectMapper objectMapper,
+                                          VoConverter voConverter) {
+        this.senderRuleMapper = senderRuleMapper;
+        this.categoryMapper = categoryMapper;
+        this.tagMapper = tagMapper;
+        this.objectMapper = objectMapper;
+        this.voConverter = voConverter;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<EmailBillSenderRuleVO> list(Long userId) {
+        List<EmailBillSenderRule> rules = senderRuleMapper.selectList(new LambdaQueryWrapper<EmailBillSenderRule>()
+                .eq(EmailBillSenderRule::getUserId, userId)
+                .orderByAsc(EmailBillSenderRule::getSortOrder)
+                .orderByAsc(EmailBillSenderRule::getId));
+        List<EmailBillSenderRuleVO> result = new ArrayList<>();
+        for (EmailBillSenderRule rule : rules) {
+            result.add(toVO(rule));
+        }
+        return result;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public Long create(Long userId, EmailBillSenderRuleRequest request) {
+        validate(userId, request);
+        EmailBillSenderRule rule = new EmailBillSenderRule();
+        rule.setUserId(userId);
+        applyRequest(rule, request);
+        senderRuleMapper.insert(rule);
+        log.info("新增邮箱账单发件人规则: userId={}, id={}, name={}", userId, rule.getId(), rule.getName());
+        return rule.getId();
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void update(Long userId, Long id, EmailBillSenderRuleRequest request) {
+        EmailBillSenderRule rule = senderRuleMapper.selectById(id);
+        if (rule == null || !rule.getUserId().equals(userId)) {
+            throw new BusinessException("发件人规则不存在");
+        }
+        validate(userId, request);
+        applyRequest(rule, request);
+        senderRuleMapper.updateById(rule);
+        log.info("更新邮箱账单发件人规则: userId={}, id={}, name={}", userId, id, rule.getName());
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void delete(Long userId, Long id) {
+        EmailBillSenderRule rule = senderRuleMapper.selectById(id);
+        if (rule == null || !rule.getUserId().equals(userId)) {
+            throw new BusinessException("发件人规则不存在");
+        }
+        senderRuleMapper.deleteById(id);
+        log.info("删除邮箱账单发件人规则: userId={}, id={}", userId, id);
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void toggleEnabled(Long userId, Long id, Boolean enabled) {
+        EmailBillSenderRule rule = senderRuleMapper.selectById(id);
+        if (rule == null || !rule.getUserId().equals(userId)) {
+            throw new BusinessException("发件人规则不存在");
+        }
+        rule.setEnabled(enabled == null ? Boolean.TRUE : enabled);
+        senderRuleMapper.updateById(rule);
+        log.info("切换邮箱账单发件人规则状态: userId={}, id={}, enabled={}", userId, id, rule.getEnabled());
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<EmailBillSenderRule> listEnabledRules(Long userId) {
+        return senderRuleMapper.selectList(new LambdaQueryWrapper<EmailBillSenderRule>()
+                .eq(EmailBillSenderRule::getUserId, userId)
+                .eq(EmailBillSenderRule::getEnabled, true)
+                .orderByAsc(EmailBillSenderRule::getSortOrder)
+                .orderByAsc(EmailBillSenderRule::getId));
+    }
+
+    /**
+     * 将请求字段写入规则实体，统一处理默认值与 JSON 序列化。
+     *
+     * @param rule    目标规则实体
+     * @param request 规则请求参数
+     */
+    private void applyRequest(EmailBillSenderRule rule, EmailBillSenderRuleRequest request) {
+        rule.setName(request.getName().trim());
+        rule.setEnabled(request.getEnabled() == null ? Boolean.TRUE : request.getEnabled());
+        rule.setSortOrder(request.getSortOrder() != null ? request.getSortOrder() : 0);
+        rule.setSenderPatterns(writeJson(cleanPatterns(request.getSenderPatterns())));
+        rule.setBillType(request.getBillType().trim().toUpperCase());
+        rule.setArchivePassword(StringUtils.hasText(request.getArchivePassword())
+                ? request.getArchivePassword().trim() : null);
+        rule.setExpenseCategoryId(request.getExpenseCategoryId());
+        rule.setIncomeCategoryId(request.getIncomeCategoryId());
+        List<Long> tagIds = validTagIds(request.getTagIds());
+        rule.setTagIds(tagIds.isEmpty() ? null : writeJson(tagIds));
+    }
+
+    /**
+     * 校验账单类型、发件人匹配串、默认分类与标签的合法性。
+     *
+     * @param userId  当前用户ID
+     * @param request 规则请求参数
+     */
+    private void validate(Long userId, EmailBillSenderRuleRequest request) {
+        // 账单类型白名单
+        try {
+            BillType.valueOf(request.getBillType().trim().toUpperCase());
+        } catch (IllegalArgumentException e) {
+            throw new BusinessException("不支持的账单类型：" + request.getBillType());
+        }
+        // 至少一个非空发件人匹配串
+        if (cleanPatterns(request.getSenderPatterns()).isEmpty()) {
+            throw new BusinessException("请至少填写一个发件人匹配串");
+        }
+        // 默认分类归属与类型一致性
+        validateCategory(userId, request.getExpenseCategoryId(), "EXPENSE");
+        validateCategory(userId, request.getIncomeCategoryId(), "INCOME");
+    }
+
+    /**
+     * 校验分类是否存在、归属当前用户且类型匹配。
+     *
+     * @param userId     当前用户ID
+     * @param categoryId 分类ID，可为空
+     * @param type       期望的分类类型
+     */
+    private void validateCategory(Long userId, Long categoryId, String type) {
+        if (categoryId == null) {
+            return;
+        }
+        Category category = categoryMapper.selectById(categoryId);
+        if (category == null || !category.getUserId().equals(userId)) {
+            throw new BusinessException("分类不存在");
+        }
+        if (!type.equals(category.getType())) {
+            throw new BusinessException("默认分类与收支类型不匹配");
+        }
+    }
+
+    /**
+     * 过滤出属于当前用户的有效标签ID。
+     *
+     * @param tagIds 待校验的标签ID列表
+     * @return 有效的标签ID列表
+     */
+    private List<Long> validTagIds(List<Long> tagIds) {
+        if (tagIds == null || tagIds.isEmpty()) {
+            return List.of();
+        }
+        return tagMapper.selectBatchIds(tagIds).stream()
+                .map(Tag::getId)
+                .toList();
+    }
+
+    /**
+     * 清理发件人匹配串：去空白、去空项、去重。
+     *
+     * @param patterns 原始匹配串列表
+     * @return 清理后的匹配串列表
+     */
+    private List<String> cleanPatterns(List<String> patterns) {
+        if (patterns == null || patterns.isEmpty()) {
+            return List.of();
+        }
+        return patterns.stream()
+                .filter(StringUtils::hasText)
+                .map(String::trim)
+                .distinct()
+                .toList();
+    }
+
+    /**
+     * 将规则实体转为视图对象，还原 JSON 字段。
+     *
+     * @param rule 规则实体
+     * @return 规则视图对象
+     */
+    private EmailBillSenderRuleVO toVO(EmailBillSenderRule rule) {
+        EmailBillSenderRuleVO vo = voConverter.toEmailBillSenderRuleVO(rule);
+        vo.setSenderPatterns(parseStringList(rule.getSenderPatterns()));
+        vo.setTagIds(parseLongList(rule.getTagIds()));
+        return vo;
+    }
+
+    /**
+     * 序列化对象为 JSON 字符串。
+     *
+     * @param value 待序列化对象，为空时返回 null
+     * @return JSON 字符串
+     */
+    private String writeJson(Object value) {
+        if (value == null) {
+            return null;
+        }
+        try {
+            return objectMapper.writeValueAsString(value);
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("序列化发件人规则失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 解析 JSON 字符串数组。
+     *
+     * @param json JSON 字符串
+     * @return 字符串列表，解析失败或为空时返回空列表
+     */
+    private List<String> parseStringList(String json) {
+        if (!StringUtils.hasText(json)) {
+            return List.of();
+        }
+        try {
+            return objectMapper.readValue(json, new TypeReference<List<String>>() {
+            });
+        } catch (JsonProcessingException e) {
+            log.warn("解析发件人匹配串失败：{}", e.getMessage());
+            return List.of();
+        }
+    }
+
+    /**
+     * 解析 JSON 数字数组。
+     *
+     * @param json JSON 字符串
+     * @return 数字列表，解析失败或为空时返回空列表
+     */
+    private List<Long> parseLongList(String json) {
+        if (!StringUtils.hasText(json)) {
+            return List.of();
+        }
+        try {
+            return objectMapper.readValue(json, new TypeReference<List<Long>>() {
+            });
+        } catch (JsonProcessingException e) {
+            log.warn("解析标签ID列表失败：{}", e.getMessage());
+            return List.of();
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/service/impl/StatisticsServiceImpl.java b/src/main/java/cn/rosercode/finance/service/impl/StatisticsServiceImpl.java
index 5cc57ae..3604241 100644
--- a/src/main/java/cn/rosercode/finance/service/impl/StatisticsServiceImpl.java
+++ b/src/main/java/cn/rosercode/finance/service/impl/StatisticsServiceImpl.java
@@ -39,7 +39,8 @@ import cn.rosercode.finance.vo.TrendStatisticsVO;
  * 统计服务实现类，提供月度收支汇总、分类占比分析、趋势统计、概览指标及通用分组统计。
  *
  * <p>所有统计均基于 SQL 聚合（MyBatis-Plus {@code selectMaps}）完成，避免将整段区间的
- * 交易记录加载到内存；仅统计计入统计（{@code include_in_stats = 1 或 NULL}）的记录。</p>
+ * 交易记录加载到内存；统计口径由 {@code statsScope} 控制，默认仅统计计入统计
+ * （{@code include_in_stats = 1 或 NULL}）的记录。</p>
  */
 @Service
 public class StatisticsServiceImpl implements StatisticsService {
@@ -280,8 +281,16 @@ public class StatisticsServiceImpl implements StatisticsService {
             }
         }
 
-        // 仅统计计入统计的记录（排除借款、账户间转账等）
-        wrapper.and(w -> w.eq("include_in_stats", true).or().isNull("include_in_stats"));
+        // 统计口径：默认仅统计计入统计的记录（排除借款、账户间转账等）
+        String statsScope = query == null ? null : query.getStatsScope();
+        if ("ALL".equalsIgnoreCase(statsScope)) {
+            // 全部记录，不追加计入统计过滤
+        } else if ("EXCLUDED".equalsIgnoreCase(statsScope)) {
+            // 仅不计入统计的记录（NULL 视为计入，故此处只取 false）
+            wrapper.eq("include_in_stats", false);
+        } else {
+            wrapper.and(w -> w.eq("include_in_stats", true).or().isNull("include_in_stats"));
+        }
         return wrapper;
     }
 
diff --git a/src/main/java/cn/rosercode/finance/service/impl/TransactionServiceImpl.java b/src/main/java/cn/rosercode/finance/service/impl/TransactionServiceImpl.java
index 49883b2..71c9855 100644
--- a/src/main/java/cn/rosercode/finance/service/impl/TransactionServiceImpl.java
+++ b/src/main/java/cn/rosercode/finance/service/impl/TransactionServiceImpl.java
@@ -296,7 +296,7 @@ public class TransactionServiceImpl implements TransactionService {
         }
         transaction.setIncludeInStats(includeInStats == null ? Boolean.TRUE : includeInStats);
         transactionMapper.updateById(transaction);
-        log.info("切换计入统计标记: userId={}, id={}, includeInStats={}", userId, id, transaction.getIncludeInStats());
+        log.debug("切换计入统计标记: userId={}, id={}, includeInStats={}", userId, id, transaction.getIncludeInStats());
     }
 
     /**
@@ -313,7 +313,7 @@ public class TransactionServiceImpl implements TransactionService {
         }
         transaction.setRemarkHidden(remarkHidden == null ? Boolean.FALSE : remarkHidden);
         transactionMapper.updateById(transaction);
-        log.info("切换备注隐藏标记: userId={}, id={}, remarkHidden={}", userId, id, transaction.getRemarkHidden());
+        log.debug("切换备注隐藏标记: userId={}, id={}, remarkHidden={}", userId, id, transaction.getRemarkHidden());
     }
 
     /**
diff --git a/src/main/java/cn/rosercode/finance/vo/EmailBillConfigVO.java b/src/main/java/cn/rosercode/finance/vo/EmailBillConfigVO.java
new file mode 100644
index 0000000..0803e6e
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/vo/EmailBillConfigVO.java
@@ -0,0 +1,75 @@
+package cn.rosercode.finance.vo;
+
+import java.time.LocalDateTime;
+import java.util.List;
+
+import lombok.Data;
+
+/**
+ * 邮箱账单配置视图对象，用于前端展示 IMAP 配置（授权码已脱敏）。
+ *
+ * @date 2026-09-19 16:40:42
+ */
+@Data
+public class EmailBillConfigVO {
+
+    /** 配置ID */
+    private Long id;
+
+    /** 配置名称 */
+    private String name;
+
+    /** IMAP 服务器地址 */
+    private String host;
+
+    /** IMAP 端口 */
+    private Integer port;
+
+    /** 是否使用 SSL */
+    private Boolean ssl;
+
+    /** 邮箱账号 */
+    private String username;
+
+    /** 是否已配置授权码 */
+    private Boolean hasPassword;
+
+    /** 监听的邮件文件夹 */
+    private String folder;
+
+    /** 是否启用监听 */
+    private Boolean enabled;
+
+    /** 连接状态 */
+    private String status;
+
+    /** 最近一次失败原因 */
+    private String lastError;
+
+    /** 最近一次成功连接时间 */
+    private LocalDateTime lastConnectedAt;
+
+    /** 已处理的最大邮件 UID */
+    private Long lastUid;
+
+    /** 默认支出分类ID */
+    private Long expenseCategoryId;
+
+    /** 默认收入分类ID */
+    private Long incomeCategoryId;
+
+    /** 默认标签ID列表 */
+    private List<Long> tagIds;
+
+    /** 拉取范围：INCREMENT-仅新邮件，DAYS-最近N天，COUNT-最近N封 */
+    private String fetchScope;
+
+    /** 拉取范围数量：DAYS 为天数，COUNT 为封数 */
+    private Integer fetchLimit;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+}
diff --git a/src/main/java/cn/rosercode/finance/vo/EmailBillMessageVO.java b/src/main/java/cn/rosercode/finance/vo/EmailBillMessageVO.java
new file mode 100644
index 0000000..4f0842f
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/vo/EmailBillMessageVO.java
@@ -0,0 +1,47 @@
+package cn.rosercode.finance.vo;
+
+import java.time.LocalDateTime;
+
+import lombok.Data;
+
+/**
+ * 邮箱账单消息视图对象，用于前端展示拉取到的待处理账单附件。
+ *
+ * @date 2026-09-19 16:48:39
+ */
+@Data
+public class EmailBillMessageVO {
+
+    /** 消息ID */
+    private Long id;
+
+    /** 邮箱配置ID */
+    private Long configId;
+
+    /** 邮件 IMAP UID */
+    private Long uid;
+
+    /** 邮件主题 */
+    private String subject;
+
+    /** 发件人地址 */
+    private String fromAddress;
+
+    /** 邮件接收时间 */
+    private LocalDateTime receivedAt;
+
+    /** 附件文件名 */
+    private String attachmentName;
+
+    /** 命中的账单类型 */
+    private String billType;
+
+    /** 处理状态：PULLED/CONFIRMED/IGNORED */
+    private String status;
+
+    /** 解析失败原因 */
+    private String error;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+}
diff --git a/src/main/java/cn/rosercode/finance/vo/EmailBillSenderRuleVO.java b/src/main/java/cn/rosercode/finance/vo/EmailBillSenderRuleVO.java
new file mode 100644
index 0000000..6127473
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/vo/EmailBillSenderRuleVO.java
@@ -0,0 +1,51 @@
+package cn.rosercode.finance.vo;
+
+import java.time.LocalDateTime;
+import java.util.List;
+
+import lombok.Data;
+
+/**
+ * 邮箱账单发件人规则视图对象，用于前端展示发件人识别规则。
+ *
+ * @date 2026-09-19 16:40:44
+ */
+@Data
+public class EmailBillSenderRuleVO {
+
+    /** 规则ID */
+    private Long id;
+
+    /** 规则名称 */
+    private String name;
+
+    /** 是否启用 */
+    private Boolean enabled;
+
+    /** 优先级，数值越小越优先 */
+    private Integer sortOrder;
+
+    /** 发件人匹配串列表 */
+    private List<String> senderPatterns;
+
+    /** 命中的账单类型 */
+    private String billType;
+
+    /** 该来源账单压缩包解压密码 */
+    private String archivePassword;
+
+    /** 默认支出分类ID */
+    private Long expenseCategoryId;
+
+    /** 默认收入分类ID */
+    private Long incomeCategoryId;
+
+    /** 默认标签ID列表 */
+    private List<Long> tagIds;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+}
diff --git a/src/main/resources/sql/init.sql b/src/main/resources/sql/init.sql
index 1497d94..6de13eb 100644
--- a/src/main/resources/sql/init.sql
+++ b/src/main/resources/sql/init.sql
@@ -1,22 +1,22 @@
 -- 用户表：存储系统用户的基本信息和登录凭证
 CREATE TABLE IF NOT EXISTS t_user (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '用户ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     username VARCHAR(50) NOT NULL UNIQUE COMMENT '用户名，唯一标识，用于登录',
     password_hash VARCHAR(255) NOT NULL COMMENT '密码哈希值，使用BCrypt加密存储',
-    nickname VARCHAR(50) COMMENT '用户昵称，显示名称',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
-    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间'
+    nickname VARCHAR(50) COMMENT '用户昵称，显示名称'
 );
 
 -- 分类表：存储收支分类信息，支持用户自定义
 CREATE TABLE IF NOT EXISTS t_category (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '分类ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     name VARCHAR(50) NOT NULL COMMENT '分类名称',
     type VARCHAR(10) NOT NULL COMMENT '分类类型：INCOME-收入，EXPENSE-支出',
     icon VARCHAR(50) COMMENT '分类图标，可选',
     sort_order INT NOT NULL DEFAULT 0 COMMENT '排序序号，数值越小越靠前',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     INDEX idx_user_id (user_id) COMMENT '用户ID索引',
     INDEX idx_user_type (user_id, type) COMMENT '用户ID+类型联合索引'
 );
@@ -24,6 +24,8 @@ CREATE TABLE IF NOT EXISTS t_category (
 -- 收支记录表：存储每一笔收入或支出的详细信息
 CREATE TABLE IF NOT EXISTS t_transaction (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '记录ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     category_id BIGINT COMMENT '所属分类ID，可为空表示未分类',
     type VARCHAR(10) NOT NULL COMMENT '记录类型：INCOME-收入，EXPENSE-支出',
@@ -35,8 +37,6 @@ CREATE TABLE IF NOT EXISTS t_transaction (
     transaction_time DATETIME NOT NULL COMMENT '交易发生时间',
     include_in_stats TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否计入统计：1-计入，0-不计入（如借款、转账等）',
     raw_data JSON COMMENT '账单导入的原始完整数据（结构化JSON），手动记录为空',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
-    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     INDEX idx_user_id (user_id) COMMENT '用户ID索引',
     INDEX idx_category_id (category_id) COMMENT '分类ID索引',
     INDEX idx_transaction_time (transaction_time) COMMENT '交易时间索引',
@@ -47,11 +47,11 @@ CREATE TABLE IF NOT EXISTS t_transaction (
 -- 标签表：存储用户自定义标签，用于给交易打标签
 CREATE TABLE IF NOT EXISTS t_tag (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '标签ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     name VARCHAR(50) NOT NULL COMMENT '标签名称',
     color VARCHAR(20) COMMENT '标签颜色，用于前端展示',
     sort_order INT NOT NULL DEFAULT 0 COMMENT '排序序号，数值越小越靠前',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     INDEX idx_user_id (user_id) COMMENT '用户ID索引',
     UNIQUE INDEX uk_user_name (user_id, name) COMMENT '用户ID+标签名唯一索引'
 );
@@ -59,9 +59,9 @@ CREATE TABLE IF NOT EXISTS t_tag (
 -- 交易标签关联表：交易与标签的多对多关系
 CREATE TABLE IF NOT EXISTS t_transaction_tag (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '关联ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     transaction_id BIGINT NOT NULL COMMENT '交易记录ID',
     tag_id BIGINT NOT NULL COMMENT '标签ID',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     UNIQUE INDEX uk_transaction_tag (transaction_id, tag_id) COMMENT '交易+标签唯一索引',
     INDEX idx_tag_id (tag_id) COMMENT '标签ID索引'
 );
@@ -69,19 +69,20 @@ CREATE TABLE IF NOT EXISTS t_transaction_tag (
 -- AI 配置表：存储每个用户的 AI 智能建议相关配置
 CREATE TABLE IF NOT EXISTS t_ai_config (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '配置ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     enabled TINYINT(1) NOT NULL DEFAULT 0 COMMENT '是否启用AI智能建议：1-启用，0-关闭',
     api_key VARCHAR(255) COMMENT 'DeepSeek API Key（明文存储）',
     base_url VARCHAR(255) NOT NULL DEFAULT 'https://api.deepseek.com' COMMENT 'API 基础地址',
     model VARCHAR(50) NOT NULL DEFAULT 'deepseek-chat' COMMENT '使用的模型名称',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
-    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     UNIQUE INDEX uk_user_id (user_id) COMMENT '用户ID唯一索引，每个用户一条配置'
 );
 
 -- AI 使用记录表：记录每次调用 DeepSeek 的用量与结果
 CREATE TABLE IF NOT EXISTS t_ai_usage (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '记录ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     type VARCHAR(20) NOT NULL COMMENT '调用类型：SUGGEST-生成建议，TEST-测试连接',
     model VARCHAR(50) COMMENT '模型名称',
@@ -93,13 +94,14 @@ CREATE TABLE IF NOT EXISTS t_ai_usage (
     success TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否成功：1-成功，0-失败',
     error_message VARCHAR(500) COMMENT '失败原因',
     duration_ms BIGINT COMMENT '调用耗时（毫秒）',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     INDEX idx_user_created (user_id, created_at) COMMENT '用户ID+创建时间联合索引'
 );
 
 -- 通知配置表：存储每个用户的账单导入提醒设置
 CREATE TABLE IF NOT EXISTS t_notification_config (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '配置ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     enabled TINYINT(1) NOT NULL DEFAULT 0 COMMENT '是否启用定时提醒：1-启用，0-关闭',
     frequency VARCHAR(10) NOT NULL DEFAULT 'MONTHLY' COMMENT '提醒周期：DAILY-每天，WEEKLY-每周，MONTHLY-每月',
@@ -107,39 +109,38 @@ CREATE TABLE IF NOT EXISTS t_notification_config (
     day_of_week INT NOT NULL DEFAULT 1 COMMENT '每周提醒日（1-7，1为周一），frequency=WEEKLY 时生效',
     send_time VARCHAR(5) NOT NULL DEFAULT '09:00' COMMENT '提醒时间（HH:mm）',
     last_sent_at DATETIME COMMENT '最近一次发送时间，用于避免重复提醒',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
-    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     UNIQUE INDEX uk_notification_config_user_id (user_id) COMMENT '用户ID唯一索引，每个用户一条配置'
 );
 
 -- 通知渠道表：存储用户配置的邮箱、Server 酱等推送渠道
 CREATE TABLE IF NOT EXISTS t_notification_channel (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '渠道ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     type VARCHAR(20) NOT NULL COMMENT '渠道类型：EMAIL-邮箱，SERVERCHAN-Server 酱',
     name VARCHAR(50) COMMENT '渠道名称，便于用户识别',
     enabled TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否启用：1-启用，0-关闭',
     config TEXT COMMENT '渠道配置（JSON），如 webhook 地址、SMTP 账号等',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
-    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     INDEX idx_notification_channel_user_id (user_id) COMMENT '用户ID索引'
 );
 
 -- 通知发送日志表：记录每次提醒的发送结果，便于排查问题
 CREATE TABLE IF NOT EXISTS t_notification_log (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '日志ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     channel_id BIGINT COMMENT '渠道ID，测试或渠道已删除时可能为空',
     channel_type VARCHAR(20) COMMENT '渠道类型',
     success TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否成功：1-成功，0-失败',
     message VARCHAR(500) COMMENT '结果描述或失败原因',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     INDEX idx_notification_log_user_created (user_id, created_at) COMMENT '用户ID+创建时间联合索引'
 );
 
 -- HTTP 访问日志表：记录每次接口请求的方法、路径、状态与耗时，便于追溯接口调用
 CREATE TABLE IF NOT EXISTS t_http_log (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '日志ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     user_id BIGINT COMMENT '用户ID，未登录或认证失败时为空',
     method VARCHAR(10) COMMENT '请求方法：GET/POST/PUT/DELETE 等',
     path VARCHAR(255) COMMENT '请求路径',
@@ -148,7 +149,6 @@ CREATE TABLE IF NOT EXISTS t_http_log (
     duration_ms BIGINT COMMENT '处理耗时（毫秒）',
     ip VARCHAR(64) COMMENT '客户端IP',
     user_agent VARCHAR(500) COMMENT 'User-Agent',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     INDEX idx_http_log_created (created_at) COMMENT '创建时间索引',
     INDEX idx_http_log_user_created (user_id, created_at) COMMENT '用户ID+创建时间联合索引'
 );
@@ -156,13 +156,13 @@ CREATE TABLE IF NOT EXISTS t_http_log (
 -- 登录日志表：记录每次登录尝试的结果，便于审计与排查
 CREATE TABLE IF NOT EXISTS t_login_log (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '日志ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     user_id BIGINT COMMENT '用户ID，登录失败或用户不存在时为空',
     username VARCHAR(50) COMMENT '登录用户名',
     success TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否成功：1-成功，0-失败',
     message VARCHAR(500) COMMENT '结果描述或失败原因',
     ip VARCHAR(64) COMMENT '客户端IP',
     user_agent VARCHAR(500) COMMENT 'User-Agent',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     INDEX idx_login_log_created (created_at) COMMENT '创建时间索引',
     INDEX idx_login_log_user_created (user_id, created_at) COMMENT '用户ID+创建时间联合索引'
 );
@@ -170,6 +170,8 @@ CREATE TABLE IF NOT EXISTS t_login_log (
 -- 自定义分类与标签规则表：按关键词、收支类型、金额区间自动归类与打标签
 CREATE TABLE IF NOT EXISTS t_rule (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '规则ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     user_id BIGINT NOT NULL COMMENT '所属用户ID',
     name VARCHAR(50) NOT NULL COMMENT '规则名称',
     enabled TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否启用：1-启用，0-停用',
@@ -179,17 +181,82 @@ CREATE TABLE IF NOT EXISTS t_rule (
     min_amount DECIMAL(12, 2) COMMENT '金额下限（含），可为空',
     max_amount DECIMAL(12, 2) COMMENT '金额上限（含），可为空',
     category_id BIGINT COMMENT '命中的目标分类ID，可为空',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
-    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
     INDEX idx_rule_user_id (user_id) COMMENT '用户ID索引'
 );
 
 -- 规则标签关联表：规则与标签的多对多关系
 CREATE TABLE IF NOT EXISTS t_rule_tag (
     id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '关联ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     rule_id BIGINT NOT NULL COMMENT '规则ID',
     tag_id BIGINT NOT NULL COMMENT '标签ID',
-    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
     UNIQUE INDEX uk_rule_tag (rule_id, tag_id) COMMENT '规则+标签唯一索引',
     INDEX idx_rule_tag_tag_id (tag_id) COMMENT '标签ID索引'
 );
+
+-- 邮箱账单配置表：存储用户用于自动拉取账单附件的 IMAP 邮箱连接信息
+CREATE TABLE IF NOT EXISTS t_email_bill_config (
+    id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '配置ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
+    user_id BIGINT NOT NULL COMMENT '所属用户ID',
+    name VARCHAR(50) NOT NULL COMMENT '配置名称，便于用户识别',
+    host VARCHAR(255) NOT NULL COMMENT 'IMAP 服务器地址',
+    port INT NOT NULL DEFAULT 993 COMMENT 'IMAP 端口',
+    use_ssl TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否使用 SSL：1-是，0-否',
+    username VARCHAR(255) NOT NULL COMMENT '邮箱账号',
+    password VARCHAR(255) NOT NULL COMMENT '邮箱授权码（明文存储，前端脱敏返回）',
+    folder VARCHAR(100) NOT NULL DEFAULT 'INBOX' COMMENT '监听的邮件文件夹',
+    enabled TINYINT(1) NOT NULL DEFAULT 0 COMMENT '是否启用监听：1-启用，0-关闭',
+    status VARCHAR(20) NOT NULL DEFAULT 'DISCONNECTED' COMMENT '连接状态：DISCONNECTED-未连接，CONNECTED-已连接，POLLING-轮询中，ERROR-异常',
+    last_error VARCHAR(500) COMMENT '最近一次连接或拉取失败原因',
+    last_connected_at DATETIME COMMENT '最近一次成功连接时间',
+    last_uid BIGINT COMMENT '已处理的最大邮件 UID，用于增量拉取',
+    expense_category_id BIGINT COMMENT '默认支出分类ID，可为空',
+    income_category_id BIGINT COMMENT '默认收入分类ID，可为空',
+    tag_ids TEXT COMMENT '默认标签ID列表（JSON数组）',
+    fetch_scope VARCHAR(20) NOT NULL DEFAULT 'INCREMENT' COMMENT '拉取范围：INCREMENT-仅新邮件，DAYS-最近N天，COUNT-最近N封',
+    fetch_limit INT COMMENT '拉取范围数量：DAYS 为天数，COUNT 为封数',
+    INDEX idx_email_bill_config_user_id (user_id) COMMENT '用户ID索引'
+);
+
+-- 邮箱账单发件人规则表：按邮件发件人匹配账单类型与默认归类
+CREATE TABLE IF NOT EXISTS t_email_bill_sender_rule (
+    id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '规则ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
+    user_id BIGINT NOT NULL COMMENT '所属用户ID',
+    name VARCHAR(50) NOT NULL COMMENT '规则名称',
+    enabled TINYINT(1) NOT NULL DEFAULT 1 COMMENT '是否启用：1-启用，0-停用',
+    sort_order INT NOT NULL DEFAULT 0 COMMENT '优先级，数值越小越优先',
+    sender_patterns TEXT COMMENT '发件人匹配串列表（JSON数组），包含匹配且忽略大小写',
+    bill_type VARCHAR(20) NOT NULL COMMENT '命中的账单类型：ALIPAY/WECHAT/MEITUAN/CMB/BOCOM',
+    archive_password VARCHAR(100) COMMENT '该来源账单压缩包解压密码，可为空',
+    expense_category_id BIGINT COMMENT '默认支出分类ID，可为空',
+    income_category_id BIGINT COMMENT '默认收入分类ID，可为空',
+    tag_ids TEXT COMMENT '默认标签ID列表（JSON数组）',
+    INDEX idx_email_bill_sender_rule_user_id (user_id) COMMENT '用户ID索引'
+);
+
+-- 邮箱账单消息表：记录拉取到的账单附件，解析与入库由用户手动触发
+CREATE TABLE IF NOT EXISTS t_email_bill_message (
+    id BIGINT AUTO_INCREMENT PRIMARY KEY COMMENT '消息ID，主键自增',
+    created_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP COMMENT '创建时间',
+    updated_at DATETIME NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP COMMENT '更新时间',
+    config_id BIGINT NOT NULL COMMENT '邮箱配置ID',
+    user_id BIGINT NOT NULL COMMENT '所属用户ID',
+    uid BIGINT NOT NULL COMMENT '邮件 IMAP UID',
+    message_id VARCHAR(255) COMMENT '邮件 Message-ID',
+    subject VARCHAR(500) COMMENT '邮件主题',
+    from_address VARCHAR(255) COMMENT '发件人地址',
+    received_at DATETIME COMMENT '邮件接收时间',
+    attachment_index INT NOT NULL DEFAULT 0 COMMENT '附件在邮件中的序号（从0开始）',
+    attachment_name VARCHAR(255) COMMENT '附件文件名',
+    attachment_path VARCHAR(500) COMMENT '附件本地存储相对路径',
+    sender_rule_id BIGINT COMMENT '命中的发件人规则ID',
+    bill_type VARCHAR(20) COMMENT '命中的账单类型，未命中时为空',
+    status VARCHAR(20) NOT NULL DEFAULT 'PULLED' COMMENT '处理状态：PULLED-待解析，CONFIRMED-已导入，IGNORED-已忽略',
+    error VARCHAR(500) COMMENT '解析失败原因',
+    UNIQUE INDEX uk_email_bill_message (config_id, uid, attachment_index) COMMENT '配置+UID+附件序号唯一索引，用于去重',
+    INDEX idx_email_bill_message_user_status (user_id, status) COMMENT '用户ID+状态联合索引'
+);
diff --git a/src/main/resources/sql/schema-sqlite.sql b/src/main/resources/sql/schema-sqlite.sql
index 734c23e..6814e5e 100644
--- a/src/main/resources/sql/schema-sqlite.sql
+++ b/src/main/resources/sql/schema-sqlite.sql
@@ -9,27 +9,29 @@
 
 CREATE TABLE IF NOT EXISTS t_user (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     username VARCHAR(50) NOT NULL UNIQUE,
     password_hash VARCHAR(255) NOT NULL,
-    nickname VARCHAR(50),
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
-    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    nickname VARCHAR(50)
 );;
 
 CREATE TABLE IF NOT EXISTS t_category (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     name VARCHAR(50) NOT NULL,
     type VARCHAR(10) NOT NULL,
     icon VARCHAR(50),
-    sort_order INTEGER NOT NULL DEFAULT 0,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    sort_order INTEGER NOT NULL DEFAULT 0
 );;
 CREATE INDEX IF NOT EXISTS idx_category_user_id ON t_category (user_id);;
 CREATE INDEX IF NOT EXISTS idx_category_user_type ON t_category (user_id, type);;
 
 CREATE TABLE IF NOT EXISTS t_transaction (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     category_id INTEGER,
     type VARCHAR(10) NOT NULL,
@@ -40,9 +42,7 @@ CREATE TABLE IF NOT EXISTS t_transaction (
     external_no VARCHAR(64),
     transaction_time DATETIME NOT NULL,
     include_in_stats INTEGER NOT NULL DEFAULT 1,
-    raw_data TEXT,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
-    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    raw_data TEXT
 );;
 CREATE INDEX IF NOT EXISTS idx_transaction_user_id ON t_transaction (user_id);;
 CREATE INDEX IF NOT EXISTS idx_transaction_category_id ON t_transaction (category_id);;
@@ -52,38 +52,39 @@ CREATE UNIQUE INDEX IF NOT EXISTS uk_user_external ON t_transaction (user_id, ex
 
 CREATE TABLE IF NOT EXISTS t_tag (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     name VARCHAR(50) NOT NULL,
     color VARCHAR(20),
-    sort_order INTEGER NOT NULL DEFAULT 0,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    sort_order INTEGER NOT NULL DEFAULT 0
 );;
 CREATE INDEX IF NOT EXISTS idx_tag_user_id ON t_tag (user_id);;
 CREATE UNIQUE INDEX IF NOT EXISTS uk_tag_user_name ON t_tag (user_id, name);;
 
 CREATE TABLE IF NOT EXISTS t_transaction_tag (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     transaction_id INTEGER NOT NULL,
-    tag_id INTEGER NOT NULL,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    tag_id INTEGER NOT NULL
 );;
 CREATE UNIQUE INDEX IF NOT EXISTS uk_transaction_tag ON t_transaction_tag (transaction_id, tag_id);;
 CREATE INDEX IF NOT EXISTS idx_transaction_tag_tag_id ON t_transaction_tag (tag_id);;
 
 CREATE TABLE IF NOT EXISTS t_ai_config (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     enabled INTEGER NOT NULL DEFAULT 0,
     api_key VARCHAR(255),
     base_url VARCHAR(255) NOT NULL DEFAULT 'https://api.deepseek.com',
-    model VARCHAR(50) NOT NULL DEFAULT 'deepseek-chat',
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
-    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    model VARCHAR(50) NOT NULL DEFAULT 'deepseek-chat'
 );;
 CREATE UNIQUE INDEX IF NOT EXISTS uk_ai_config_user_id ON t_ai_config (user_id);;
 
 CREATE TABLE IF NOT EXISTS t_ai_usage (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     type VARCHAR(20) NOT NULL,
     model VARCHAR(50),
@@ -94,8 +95,7 @@ CREATE TABLE IF NOT EXISTS t_ai_usage (
     cached_tokens INTEGER NOT NULL DEFAULT 0,
     success INTEGER NOT NULL DEFAULT 1,
     error_message VARCHAR(500),
-    duration_ms INTEGER,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    duration_ms INTEGER
 );;
 CREATE INDEX IF NOT EXISTS idx_ai_usage_user_created ON t_ai_usage (user_id, created_at);;
 
@@ -126,38 +126,38 @@ END;;
 
 CREATE TABLE IF NOT EXISTS t_notification_config (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     enabled INTEGER NOT NULL DEFAULT 0,
     frequency VARCHAR(10) NOT NULL DEFAULT 'MONTHLY',
     day_of_month INTEGER NOT NULL DEFAULT 1,
     day_of_week INTEGER NOT NULL DEFAULT 1,
     send_time VARCHAR(5) NOT NULL DEFAULT '09:00',
-    last_sent_at DATETIME,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
-    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    last_sent_at DATETIME
 );;
 CREATE UNIQUE INDEX IF NOT EXISTS uk_notification_config_user_id ON t_notification_config (user_id);;
 
 CREATE TABLE IF NOT EXISTS t_notification_channel (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     type VARCHAR(20) NOT NULL,
     name VARCHAR(50),
     enabled INTEGER NOT NULL DEFAULT 1,
-    config TEXT,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
-    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    config TEXT
 );;
 CREATE INDEX IF NOT EXISTS idx_notification_channel_user_id ON t_notification_channel (user_id);;
 
 CREATE TABLE IF NOT EXISTS t_notification_log (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     channel_id INTEGER,
     channel_type VARCHAR(20),
     success INTEGER NOT NULL DEFAULT 1,
-    message VARCHAR(500),
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    message VARCHAR(500)
 );;
 CREATE INDEX IF NOT EXISTS idx_notification_log_user_created ON t_notification_log (user_id, created_at);;
 
@@ -179,6 +179,7 @@ END;;
 
 CREATE TABLE IF NOT EXISTS t_http_log (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER,
     method VARCHAR(10),
     path VARCHAR(255),
@@ -186,27 +187,28 @@ CREATE TABLE IF NOT EXISTS t_http_log (
     status INTEGER,
     duration_ms INTEGER,
     ip VARCHAR(64),
-    user_agent VARCHAR(500),
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    user_agent VARCHAR(500)
 );;
 CREATE INDEX IF NOT EXISTS idx_http_log_created ON t_http_log (created_at);;
 CREATE INDEX IF NOT EXISTS idx_http_log_user_created ON t_http_log (user_id, created_at);;
 
 CREATE TABLE IF NOT EXISTS t_login_log (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER,
     username VARCHAR(50),
     success INTEGER NOT NULL DEFAULT 1,
     message VARCHAR(500),
     ip VARCHAR(64),
-    user_agent VARCHAR(500),
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    user_agent VARCHAR(500)
 );;
 CREATE INDEX IF NOT EXISTS idx_login_log_created ON t_login_log (created_at);;
 CREATE INDEX IF NOT EXISTS idx_login_log_user_created ON t_login_log (user_id, created_at);;
 
 CREATE TABLE IF NOT EXISTS t_rule (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     user_id INTEGER NOT NULL,
     name VARCHAR(50) NOT NULL,
     enabled INTEGER NOT NULL DEFAULT 1,
@@ -215,17 +217,15 @@ CREATE TABLE IF NOT EXISTS t_rule (
     keyword VARCHAR(100),
     min_amount NUMERIC(12, 2),
     max_amount NUMERIC(12, 2),
-    category_id INTEGER,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
-    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    category_id INTEGER
 );;
 CREATE INDEX IF NOT EXISTS idx_rule_user_id ON t_rule (user_id);;
 
 CREATE TABLE IF NOT EXISTS t_rule_tag (
     id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
     rule_id INTEGER NOT NULL,
-    tag_id INTEGER NOT NULL,
-    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime'))
+    tag_id INTEGER NOT NULL
 );;
 CREATE UNIQUE INDEX IF NOT EXISTS uk_rule_tag ON t_rule_tag (rule_id, tag_id);;
 CREATE INDEX IF NOT EXISTS idx_rule_tag_tag_id ON t_rule_tag (tag_id);;
@@ -237,3 +237,91 @@ WHEN NEW.updated_at = OLD.updated_at
 BEGIN
     UPDATE t_rule SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
 END;;
+
+CREATE TABLE IF NOT EXISTS t_email_bill_config (
+    id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    user_id INTEGER NOT NULL,
+    name VARCHAR(50) NOT NULL,
+    host VARCHAR(255) NOT NULL,
+    port INTEGER NOT NULL DEFAULT 993,
+    use_ssl INTEGER NOT NULL DEFAULT 1,
+    username VARCHAR(255) NOT NULL,
+    password VARCHAR(255) NOT NULL,
+    folder VARCHAR(100) NOT NULL DEFAULT 'INBOX',
+    enabled INTEGER NOT NULL DEFAULT 0,
+    status VARCHAR(20) NOT NULL DEFAULT 'DISCONNECTED',
+    last_error VARCHAR(500),
+    last_connected_at DATETIME,
+    last_uid INTEGER,
+    expense_category_id INTEGER,
+    income_category_id INTEGER,
+    tag_ids TEXT,
+    fetch_scope VARCHAR(20) NOT NULL DEFAULT 'INCREMENT',
+    fetch_limit INTEGER
+);;
+CREATE INDEX IF NOT EXISTS idx_email_bill_config_user_id ON t_email_bill_config (user_id);;
+
+CREATE TABLE IF NOT EXISTS t_email_bill_sender_rule (
+    id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    user_id INTEGER NOT NULL,
+    name VARCHAR(50) NOT NULL,
+    enabled INTEGER NOT NULL DEFAULT 1,
+    sort_order INTEGER NOT NULL DEFAULT 0,
+    sender_patterns TEXT,
+    bill_type VARCHAR(20) NOT NULL,
+    archive_password VARCHAR(100),
+    expense_category_id INTEGER,
+    income_category_id INTEGER,
+    tag_ids TEXT
+);;
+CREATE INDEX IF NOT EXISTS idx_email_bill_sender_rule_user_id ON t_email_bill_sender_rule (user_id);;
+
+CREATE TABLE IF NOT EXISTS t_email_bill_message (
+    id INTEGER PRIMARY KEY AUTOINCREMENT,
+    created_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    updated_at DATETIME NOT NULL DEFAULT (strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime')),
+    config_id INTEGER NOT NULL,
+    user_id INTEGER NOT NULL,
+    uid INTEGER NOT NULL,
+    message_id VARCHAR(255),
+    subject VARCHAR(500),
+    from_address VARCHAR(255),
+    received_at DATETIME,
+    attachment_index INTEGER NOT NULL DEFAULT 0,
+    attachment_name VARCHAR(255),
+    attachment_path VARCHAR(500),
+    sender_rule_id INTEGER,
+    bill_type VARCHAR(20),
+    status VARCHAR(20) NOT NULL DEFAULT 'PULLED',
+    error VARCHAR(500)
+);;
+CREATE UNIQUE INDEX IF NOT EXISTS uk_email_bill_message ON t_email_bill_message (config_id, uid, attachment_index);;
+CREATE INDEX IF NOT EXISTS idx_email_bill_message_user_status ON t_email_bill_message (user_id, status);;
+
+CREATE TRIGGER IF NOT EXISTS trg_email_bill_config_updated_at
+AFTER UPDATE ON t_email_bill_config
+FOR EACH ROW
+WHEN NEW.updated_at = OLD.updated_at
+BEGIN
+    UPDATE t_email_bill_config SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
+END;;
+
+CREATE TRIGGER IF NOT EXISTS trg_email_bill_sender_rule_updated_at
+AFTER UPDATE ON t_email_bill_sender_rule
+FOR EACH ROW
+WHEN NEW.updated_at = OLD.updated_at
+BEGIN
+    UPDATE t_email_bill_sender_rule SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
+END;;
+
+CREATE TRIGGER IF NOT EXISTS trg_email_bill_message_updated_at
+AFTER UPDATE ON t_email_bill_message
+FOR EACH ROW
+WHEN NEW.updated_at = OLD.updated_at
+BEGIN
+    UPDATE t_email_bill_message SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
+END;;