diff --git a/build.gradle b/build.gradle
index bd20214..7aee8c4 100644
--- a/build.gradle
+++ b/build.gradle
@@ -26,6 +26,7 @@ repositories {
 dependencies {
     implementation 'org.springframework.boot:spring-boot-starter-web'
     implementation 'org.springframework.boot:spring-boot-starter-validation'
+    implementation 'org.springframework.boot:spring-boot-starter-mail'
     implementation 'org.springframework.security:spring-security-crypto'
 
     implementation 'com.baomidou:mybatis-plus-spring-boot3-starter:3.5.12'
diff --git a/frontend/src/api/notification.ts b/frontend/src/api/notification.ts
new file mode 100644
index 0000000..259160d
--- /dev/null
+++ b/frontend/src/api/notification.ts
@@ -0,0 +1,105 @@
+// 定时通知相关 API 接口：提醒周期配置、推送渠道管理与发送日志
+import request from './request'
+
+/** 通知周期配置 */
+export interface NotificationConfig {
+  enabled: boolean
+  frequency: string
+  dayOfMonth: number
+  dayOfWeek: number
+  sendTime: string
+  lastSentAt: string | null
+}
+
+/** 通知渠道 */
+export interface NotificationChannel {
+  id: number
+  type: string
+  name: string
+  enabled: boolean
+  config: Record<string, any>
+  hasPassword: boolean
+  createdAt: string
+  updatedAt: string
+}
+
+/** 通知发送日志 */
+export interface NotificationLog {
+  id: number
+  channelId: number | null
+  channelType: string | null
+  success: boolean
+  message: string | null
+  createdAt: string
+}
+
+/** 获取当前用户的通知配置 */
+export function getNotificationConfig() {
+  return request.get('/notification/config')
+}
+
+/** 保存当前用户的通知配置 */
+export function saveNotificationConfig(data: {
+  enabled: boolean
+  frequency: string
+  dayOfMonth: number
+  dayOfWeek: number
+  sendTime: string
+}) {
+  return request.put('/notification/config', data)
+}
+
+/** 查询通知渠道列表 */
+export function listNotificationChannels() {
+  return request.get('/notification/channels')
+}
+
+/** 新增通知渠道 */
+export function createNotificationChannel(data: {
+  type: string
+  name: string
+  enabled: boolean
+  config: Record<string, any>
+}) {
+  return request.post('/notification/channels', data)
+}
+
+/** 修改通知渠道，邮箱授权码留空表示不修改 */
+export function updateNotificationChannel(id: number, data: {
+  type: string
+  name: string
+  enabled: boolean
+  config: Record<string, any>
+}) {
+  return request.put(`/notification/channels/${id}`, data)
+}
+
+/** 删除通知渠道 */
+export function deleteNotificationChannel(id: number) {
+  return request.delete(`/notification/channels/${id}`)
+}
+
+/** 向指定渠道发送测试消息（耗时取决于渠道，放宽超时） */
+export function testNotificationChannel(id: number) {
+  return request.post(`/notification/channels/${id}/test`, {}, { timeout: 60000 })
+}
+
+/** 立即向所有已启用渠道发送账单导入提醒 */
+export function sendNotificationNow() {
+  return request.post('/notification/send-now', {}, { timeout: 60000 })
+}
+
+/** 查询最近的发送日志 */
+export function listNotificationLogs(limit = 20) {
+  return request.get('/notification/logs', { params: { limit } })
+}
+
+/** 获取通知链接地址（全局应用配置） */
+export function getNotificationUrl() {
+  return request.get('/app/notification-url')
+}
+
+/** 保存通知链接地址（全局应用配置） */
+export function updateNotificationUrl(url: string) {
+  return request.put('/app/notification-url', { url })
+}
diff --git a/frontend/src/components/AiConfigPanel.vue b/frontend/src/components/AiConfigPanel.vue
index 9b8a034..feadb86 100644
--- a/frontend/src/components/AiConfigPanel.vue
+++ b/frontend/src/components/AiConfigPanel.vue
@@ -146,7 +146,7 @@ onMounted(loadConfig)
         </NInput>
       </NFormItem>
       <NFormItem>
-        <NSpace>
+        <NSpace justify="end" style="width: 100%;">
           <NButton type="primary" :loading="saving" @click="handleSave">
             <template #icon>
               <NIcon :component="SaveOutline" />
diff --git a/frontend/src/components/DatabaseConfigPanel.vue b/frontend/src/components/DatabaseConfigPanel.vue
index 468df84..68e45b8 100644
--- a/frontend/src/components/DatabaseConfigPanel.vue
+++ b/frontend/src/components/DatabaseConfigPanel.vue
@@ -208,7 +208,7 @@ onMounted(loadStatus)
       </template>
 
       <NFormItem>
-        <NSpace>
+        <NSpace justify="end" style="width: 100%;">
           <NButton :loading="testing" @click="handleTest">
             <template #icon>
               <NIcon :component="FlashOutline" />
diff --git a/frontend/src/components/NotificationConfigPanel.vue b/frontend/src/components/NotificationConfigPanel.vue
new file mode 100644
index 0000000..9f0d383
--- /dev/null
+++ b/frontend/src/components/NotificationConfigPanel.vue
@@ -0,0 +1,548 @@
+<script setup lang="ts">
+// 定时通知配置面板：设置账单导入提醒周期，管理邮箱/Server 酱推送渠道，并查看发送日志。
+import { ref, computed, onMounted } from 'vue'
+import { useI18n } from 'vue-i18n'
+import {
+  useMessage, useDialog, NCard, NForm, NFormItem, NInput, NInputNumber, NSwitch, NButton,
+  NSpace, NAlert, NText, NTag, NIcon, NSelect, NModal, NDivider,
+} from 'naive-ui'
+import {
+  NotificationsOutline, SaveOutline, AddOutline, TrashOutline, CreateOutline, SendOutline,
+} from '@vicons/ionicons5'
+import {
+  getNotificationConfig, saveNotificationConfig, listNotificationChannels,
+  createNotificationChannel, updateNotificationChannel, deleteNotificationChannel,
+  testNotificationChannel, sendNotificationNow, listNotificationLogs,
+  getNotificationUrl, updateNotificationUrl,
+} from '../api/notification'
+import type { NotificationChannel, NotificationLog } from '../api/notification'
+
+const message = useMessage()
+const dialog = useDialog()
+const { t } = useI18n()
+
+// 提醒周期表单
+const config = ref({ enabled: false, frequency: 'MONTHLY', dayOfMonth: 1, dayOfWeek: 1, sendTime: '09:00' })
+const saving = ref(false)
+const sendingNow = ref(false)
+
+// 通知链接地址（全局应用配置，用于通知正文中的跳转链接）
+const linkUrl = ref('')
+const savingLink = ref(false)
+
+// 渠道与日志
+const channels = ref<NotificationChannel[]>([])
+const logs = ref<NotificationLog[]>([])
+const testingId = ref<number | null>(null)
+
+// 渠道编辑弹窗
+const showChannelModal = ref(false)
+const editingId = ref<number | null>(null)
+const editingHasPassword = ref(false)
+const savingChannel = ref(false)
+const channelForm = ref(emptyChannelForm())
+
+/** 渠道表单默认值 */
+function emptyChannelForm() {
+  return {
+    type: 'SERVERCHAN',
+    name: '',
+    enabled: true,
+    sendKey: '',
+    smtpHost: 'smtp.qq.com',
+    smtpPort: 465,
+    username: '',
+    password: '',
+    to: '',
+    ssl: true,
+  }
+}
+
+const frequencyOptions = computed(() => [
+  { label: t('notification.freqDaily'), value: 'DAILY' },
+  { label: t('notification.freqWeekly'), value: 'WEEKLY' },
+  { label: t('notification.freqMonthly'), value: 'MONTHLY' },
+])
+
+const weekOptions = computed(() => [
+  { label: t('notification.weekday1'), value: 1 },
+  { label: t('notification.weekday2'), value: 2 },
+  { label: t('notification.weekday3'), value: 3 },
+  { label: t('notification.weekday4'), value: 4 },
+  { label: t('notification.weekday5'), value: 5 },
+  { label: t('notification.weekday6'), value: 6 },
+  { label: t('notification.weekday7'), value: 7 },
+])
+
+// 每月提醒日限制在 1-28，避免不同月份天数差异
+const monthDayOptions = computed(() => Array.from({ length: 28 }, (_, i) => ({ label: String(i + 1), value: i + 1 })))
+
+// 前端开放 Server 酱与邮箱两种推送渠道
+const channelTypeOptions = computed(() => [
+  { label: t('notification.typeServerChan'), value: 'SERVERCHAN' },
+  { label: t('notification.typeEmail'), value: 'EMAIL' },
+])
+
+/** 渠道类型显示名 */
+function channelTypeLabel(type: string | null) {
+  if (type === 'SERVERCHAN') return t('notification.typeServerChan')
+  if (type === 'EMAIL') return t('notification.typeEmail')
+  return type || ''
+}
+
+/** 渠道类型标签颜色 */
+function channelTagType(type: string) {
+  if (type === 'SERVERCHAN') return 'success'
+  if (type === 'EMAIL') return 'warning'
+  return 'info'
+}
+
+/** 格式化后端时间字符串用于展示 */
+function formatTime(value: string | null) {
+  return value ? value.replace('T', ' ').slice(0, 19) : ''
+}
+
+/** 加载通知配置、渠道与日志 */
+async function loadAll() {
+  try {
+    const [configRes, channelRes, logRes, linkRes]: any = await Promise.all([
+      getNotificationConfig(), listNotificationChannels(), listNotificationLogs(20), getNotificationUrl(),
+    ])
+    linkUrl.value = linkRes.data || ''
+    const data = configRes.data
+    config.value = {
+      enabled: !!data.enabled,
+      frequency: data.frequency || 'MONTHLY',
+      dayOfMonth: data.dayOfMonth || 1,
+      dayOfWeek: data.dayOfWeek || 1,
+      sendTime: data.sendTime || '09:00',
+    }
+    channels.value = channelRes.data || []
+    logs.value = logRes.data || []
+  } catch (e: any) {
+    message.error(e.message || t('notification.loadFailed'))
+  }
+}
+
+/** 保存通知链接地址（全局应用配置） */
+async function handleSaveLinkUrl() {
+  savingLink.value = true
+  try {
+    const res: any = await updateNotificationUrl(linkUrl.value.trim())
+    linkUrl.value = res.data || ''
+    message.success(t('notification.linkUrlSaveSuccess'))
+  } catch (e: any) {
+    message.error(e.message || t('notification.linkUrlSaveFailed'))
+  } finally {
+    savingLink.value = false
+  }
+}
+
+/** 保存提醒周期 */
+async function handleSaveConfig() {
+  if (!/^\d{2}:\d{2}$/.test(config.value.sendTime)) {
+    message.error(t('notification.sendTimeInvalid'))
+    return
+  }
+  saving.value = true
+  try {
+    await saveNotificationConfig({ ...config.value })
+    message.success(t('notification.saveSuccess'))
+    await loadAll()
+  } catch (e: any) {
+    message.error(e.message || t('common.operationFailed'))
+  } finally {
+    saving.value = false
+  }
+}
+
+/** 打开渠道弹窗，传入渠道表示编辑 */
+function openChannelModal(channel: NotificationChannel | null) {
+  editingId.value = channel ? channel.id : null
+  editingHasPassword.value = !!channel?.hasPassword
+  const base = emptyChannelForm()
+  if (channel) {
+    const cfg = channel.config || {}
+    Object.assign(base, {
+      type: channel.type,
+      name: channel.name,
+      enabled: channel.enabled,
+      sendKey: cfg.sendKey || '',
+      smtpHost: cfg.smtpHost || 'smtp.qq.com',
+      smtpPort: cfg.smtpPort || 465,
+      username: cfg.username || '',
+      password: '',
+      to: cfg.to || '',
+      ssl: cfg.ssl !== false,
+    })
+  }
+  channelForm.value = base
+  showChannelModal.value = true
+}
+
+/** 根据类型构建渠道配置，邮箱授权码为空时不提交 */
+function buildChannelConfig() {
+  const form = channelForm.value
+  if (form.type === 'SERVERCHAN') {
+    return { sendKey: form.sendKey.trim() }
+  }
+  const config: Record<string, any> = {
+    smtpHost: form.smtpHost.trim(),
+    smtpPort: form.smtpPort,
+    username: form.username.trim(),
+    to: form.to.trim(),
+    ssl: form.ssl,
+  }
+  if (form.password) {
+    config.password = form.password
+  }
+  return config
+}
+
+/** 保存渠道 */
+async function handleSaveChannel() {
+  const form = channelForm.value
+  if (form.type === 'SERVERCHAN') {
+    if (!form.sendKey.trim()) {
+      message.error(t('notification.sendKeyRequired'))
+      return
+    }
+  } else if (!form.username.trim()) {
+    message.error(t('notification.usernameRequired'))
+    return
+  }
+  savingChannel.value = true
+  try {
+    const payload = { type: form.type, name: form.name, enabled: form.enabled, config: buildChannelConfig() }
+    if (editingId.value) {
+      await updateNotificationChannel(editingId.value, payload)
+    } else {
+      await createNotificationChannel(payload)
+    }
+    message.success(t('notification.saveChannelSuccess'))
+    showChannelModal.value = false
+    await loadAll()
+  } catch (e: any) {
+    message.error(e.message || t('common.operationFailed'))
+  } finally {
+    savingChannel.value = false
+  }
+}
+
+/** 测试渠道 */
+async function handleTestChannel(channel: NotificationChannel) {
+  testingId.value = channel.id
+  try {
+    await testNotificationChannel(channel.id)
+    message.success(t('notification.testSuccess'))
+  } catch (e: any) {
+    message.error(e.message || t('notification.testFailed'))
+  } finally {
+    testingId.value = null
+    await loadAll()
+  }
+}
+
+/** 删除渠道 */
+function handleDeleteChannel(channel: NotificationChannel) {
+  dialog.warning({
+    title: t('common.confirmDelete'),
+    content: t('notification.confirmDeleteChannel', { name: channel.name }),
+    positiveText: t('common.confirm'),
+    negativeText: t('common.cancel'),
+    onPositiveClick: async () => {
+      try {
+        await deleteNotificationChannel(channel.id)
+        message.success(t('common.deleteSuccess'))
+        await loadAll()
+      } catch (e: any) {
+        message.error(e.message || t('common.deleteFailed'))
+      }
+    },
+  })
+}
+
+/** 立即发送提醒 */
+async function handleSendNow() {
+  sendingNow.value = true
+  try {
+    const res: any = await sendNotificationNow()
+    message.success(t('notification.sendNowSuccess', { count: res.data }))
+  } catch (e: any) {
+    message.error(e.message || t('notification.sendNowFailed'))
+  } finally {
+    sendingNow.value = false
+    await loadAll()
+  }
+}
+
+onMounted(loadAll)
+</script>
+
+<template>
+  <NCard :bordered="false" class="config-card">
+    <template #header>
+      <NSpace align="center" :size="8">
+        <NIcon :component="NotificationsOutline" />
+        <span>{{ t('settings.notificationSection') }}</span>
+      </NSpace>
+    </template>
+    <template #header-extra>
+      <NSpace align="center" :size="8">
+        <NTag :type="config.enabled ? 'success' : 'default'" size="small" :bordered="false">
+          {{ config.enabled ? t('notification.statusOn') : t('notification.statusOff') }}
+        </NTag>
+        <NButton size="small" quaternary :loading="sendingNow" @click="handleSendNow">
+          <template #icon>
+            <NIcon :component="SendOutline" />
+          </template>
+          {{ t('notification.sendNow') }}
+        </NButton>
+      </NSpace>
+    </template>
+
+    <NAlert type="info" :show-icon="true" style="margin-bottom: 20px;">
+      {{ t('notification.intro') }}
+    </NAlert>
+
+    <NForm label-placement="left" label-width="130">
+      <NFormItem :label="t('notification.linkUrl')">
+        <NSpace align="center" :size="8" style="width: 100%;">
+          <NInput
+            v-model:value="linkUrl"
+            :placeholder="t('notification.linkUrlPlaceholder')"
+            style="max-width: 420px"
+          />
+          <NButton :loading="savingLink" @click="handleSaveLinkUrl">
+            <template #icon>
+              <NIcon :component="SaveOutline" />
+            </template>
+            {{ t('notification.save') }}
+          </NButton>
+        </NSpace>
+      </NFormItem>
+      <NFormItem :label="t('notification.enabled')">
+        <div class="switch-row">
+          <NSwitch v-model:value="config.enabled" />
+          <NText depth="3" style="font-size: 12px;">{{ t('notification.enabledHint') }}</NText>
+        </div>
+      </NFormItem>
+      <NFormItem :label="t('notification.frequency')">
+        <NSpace align="center" :size="8">
+          <NSelect v-model:value="config.frequency" :options="frequencyOptions" style="width: 120px" />
+          <NSelect
+            v-if="config.frequency === 'WEEKLY'"
+            v-model:value="config.dayOfWeek"
+            :options="weekOptions"
+            style="width: 120px"
+          />
+          <template v-else-if="config.frequency === 'MONTHLY'">
+            <NSelect v-model:value="config.dayOfMonth" :options="monthDayOptions" style="width: 90px" />
+            <NText depth="3">{{ t('notification.dayOfMonthSuffix') }}</NText>
+          </template>
+        </NSpace>
+      </NFormItem>
+      <NFormItem :label="t('notification.sendTime')">
+        <NInput
+          v-model:value="config.sendTime"
+          :placeholder="t('notification.sendTimePlaceholder')"
+          style="width: 160px"
+        />
+      </NFormItem>
+      <NFormItem>
+        <NSpace justify="end" style="width: 100%;">
+          <NButton type="primary" :loading="saving" @click="handleSaveConfig">
+            <template #icon>
+              <NIcon :component="SaveOutline" />
+            </template>
+            {{ t('notification.save') }}
+          </NButton>
+        </NSpace>
+      </NFormItem>
+    </NForm>
+
+    <NDivider />
+
+    <div class="section-header">
+      <span class="section-title">{{ t('notification.channels') }}</span>
+      <NButton size="small" @click="openChannelModal(null)">
+        <template #icon>
+          <NIcon :component="AddOutline" />
+        </template>
+        {{ t('notification.addChannel') }}
+      </NButton>
+    </div>
+
+    <div v-if="channels.length" class="channel-list">
+      <div v-for="channel in channels" :key="channel.id" class="channel-item">
+        <div class="channel-main">
+          <NTag size="small" :bordered="false" :type="channelTagType(channel.type)">
+            {{ channelTypeLabel(channel.type) }}
+          </NTag>
+          <span class="channel-name">{{ channel.name }}</span>
+          <NTag v-if="channel.enabled" size="small" type="success" :bordered="false">
+            {{ t('notification.enabledLabel') }}
+          </NTag>
+          <NTag v-else size="small" :bordered="false">{{ t('notification.disabledLabel') }}</NTag>
+        </div>
+        <NSpace :size="4" align="center">
+          <NButton size="tiny" quaternary :loading="testingId === channel.id" @click="handleTestChannel(channel)">
+            {{ t('notification.test') }}
+          </NButton>
+          <NButton size="tiny" quaternary @click="openChannelModal(channel)">
+            <template #icon>
+              <NIcon :component="CreateOutline" />
+            </template>
+          </NButton>
+          <NButton size="tiny" quaternary type="error" @click="handleDeleteChannel(channel)">
+            <template #icon>
+              <NIcon :component="TrashOutline" />
+            </template>
+          </NButton>
+        </NSpace>
+      </div>
+    </div>
+    <NText v-else depth="3">{{ t('notification.noChannels') }}</NText>
+
+    <NDivider />
+
+    <div class="section-header">
+      <span class="section-title">{{ t('notification.logs') }}</span>
+    </div>
+
+    <div v-if="logs.length" class="log-list">
+      <div v-for="log in logs" :key="log.id" class="log-item">
+        <NTag size="tiny" :bordered="false" :type="log.success ? 'success' : 'error'">
+          {{ log.success ? t('notification.success') : t('notification.failed') }}
+        </NTag>
+        <span class="log-time">{{ formatTime(log.createdAt) }}</span>
+        <span class="log-channel">{{ channelTypeLabel(log.channelType) }}</span>
+        <span class="log-message">{{ log.message }}</span>
+      </div>
+    </div>
+    <NText v-else depth="3">{{ t('notification.noLogs') }}</NText>
+
+    <NModal
+      v-model:show="showChannelModal"
+      preset="card"
+      :title="editingId ? t('notification.editChannel') : t('notification.addChannel')"
+      style="width: 560px"
+    >
+      <NForm label-placement="left" label-width="120">
+        <NFormItem :label="t('notification.channelType')">
+          <NSelect v-model:value="channelForm.type" :options="channelTypeOptions" :disabled="!!editingId" />
+        </NFormItem>
+        <NFormItem :label="t('notification.channelName')">
+          <NInput v-model:value="channelForm.name" :placeholder="t('notification.channelNamePlaceholder')" />
+        </NFormItem>
+
+        <template v-if="channelForm.type === 'SERVERCHAN'">
+          <NFormItem :label="t('notification.sendKey')">
+            <NInput v-model:value="channelForm.sendKey" :placeholder="t('notification.sendKeyPlaceholder')" />
+          </NFormItem>
+        </template>
+
+        <template v-else>
+          <NFormItem :label="t('notification.smtpHost')">
+            <NInput v-model:value="channelForm.smtpHost" placeholder="smtp.qq.com" />
+          </NFormItem>
+          <NFormItem :label="t('notification.smtpPort')">
+            <NInputNumber v-model:value="channelForm.smtpPort" :min="1" :max="65535" style="width: 160px" />
+          </NFormItem>
+          <NFormItem :label="t('notification.username')">
+            <NInput v-model:value="channelForm.username" placeholder="example@qq.com" />
+          </NFormItem>
+          <NFormItem :label="t('notification.password')">
+            <NInput
+              v-model:value="channelForm.password"
+              type="password"
+              show-password-on="click"
+              :placeholder="editingHasPassword ? t('notification.passwordKeep') : t('notification.passwordPlaceholder')"
+            />
+          </NFormItem>
+          <NFormItem :label="t('notification.to')">
+            <NInput v-model:value="channelForm.to" :placeholder="t('notification.toPlaceholder')" />
+          </NFormItem>
+          <NFormItem :label="t('notification.ssl')">
+            <NSwitch v-model:value="channelForm.ssl" />
+          </NFormItem>
+        </template>
+
+        <NFormItem :label="t('notification.enabledLabel')">
+          <NSwitch v-model:value="channelForm.enabled" />
+        </NFormItem>
+      </NForm>
+
+      <template #footer>
+        <NSpace justify="end">
+          <NButton @click="showChannelModal = false">{{ t('common.cancel') }}</NButton>
+          <NButton type="primary" :loading="savingChannel" @click="handleSaveChannel">
+            {{ t('common.confirm') }}
+          </NButton>
+        </NSpace>
+      </template>
+    </NModal>
+  </NCard>
+</template>
+
+<style scoped>
+.switch-row {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+}
+.section-header {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  margin-bottom: 12px;
+}
+.section-title {
+  font-weight: 600;
+}
+.channel-list {
+  display: flex;
+  flex-direction: column;
+  gap: 8px;
+}
+.channel-item {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  padding: 8px 12px;
+  border: 1px solid #efefef;
+  border-radius: 6px;
+}
+.channel-main {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+}
+.channel-name {
+  font-weight: 500;
+}
+.log-list {
+  display: flex;
+  flex-direction: column;
+  gap: 6px;
+}
+.log-item {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  font-size: 12px;
+}
+.log-time {
+  color: #999;
+}
+.log-channel {
+  color: #666;
+  min-width: 100px;
+}
+.log-message {
+  color: #333;
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+}
+</style>
diff --git a/frontend/src/components/RegistrationConfigPanel.vue b/frontend/src/components/RegistrationConfigPanel.vue
index dc533ab..0f707b2 100644
--- a/frontend/src/components/RegistrationConfigPanel.vue
+++ b/frontend/src/components/RegistrationConfigPanel.vue
@@ -73,7 +73,7 @@ onMounted(loadStatus)
       </NSpace>
     </div>
 
-    <NSpace style="margin-top: 16px;">
+    <NSpace justify="end" style="margin-top: 16px; width: 100%;">
       <NButton type="primary" :loading="saving" @click="handleSave">
         <template #icon>
           <NIcon :component="SaveOutline" />
diff --git a/frontend/src/locales/messages.ts b/frontend/src/locales/messages.ts
index 9954a2f..9c9ae88 100644
--- a/frontend/src/locales/messages.ts
+++ b/frontend/src/locales/messages.ts
@@ -128,6 +128,7 @@ export default {
     aiSection: { zh: 'AI 模型配置', en: 'AI Model', ja: 'AI モデル' },
     viewUsage: { zh: '使用情况', en: 'Usage', ja: '利用状況' },
     registrationSection: { zh: '注册设置', en: 'Registration', ja: '登録設定' },
+    notificationSection: { zh: '定时通知', en: 'Scheduled Notifications', ja: '定期通知' },
   },
 
   // 注册设置
@@ -142,6 +143,73 @@ export default {
     loadFailed: { zh: '加载注册状态失败', en: 'Failed to load registration status', ja: '登録状態の読み込みに失敗しました' },
   },
 
+  // 定时通知
+  notification: {
+    statusOn: { zh: '已开启', en: 'Enabled', ja: '有効' },
+    statusOff: { zh: '已关闭', en: 'Disabled', ja: '無効' },
+    intro: { zh: '按自定义周期，通过邮箱或 Server 酱提醒你及时导入新的账单。', en: 'Get reminded via email or ServerChan to import new bills on your own schedule.', ja: 'カスタム周期でメール・ServerChan を通じて、新しい明細のインポートをお知らせします。' },
+    linkUrl: { zh: '通知链接地址', en: 'Notification link URL', ja: '通知リンク URL' },
+    linkUrlPlaceholder: { zh: '如 https://finance.rosercode.cn/bill-import', en: 'e.g. https://finance.rosercode.cn/bill-import', ja: '例：https://finance.rosercode.cn/bill-import' },
+    linkUrlSaveSuccess: { zh: '通知链接地址已保存', en: 'Notification link URL saved', ja: '通知リンク URL を保存しました' },
+    linkUrlSaveFailed: { zh: '保存通知链接地址失败', en: 'Failed to save notification link URL', ja: '通知リンク URL の保存に失敗しました' },
+    enabled: { zh: '启用定时提醒', en: 'Enable reminders', ja: '定期リマインダーを有効化' },
+    enabledHint: { zh: '开启后按下方周期自动发送提醒', en: 'Sends reminders automatically based on the schedule below', ja: '有効にすると以下の周期で自動送信します' },
+    frequency: { zh: '提醒周期', en: 'Frequency', ja: '通知周期' },
+    freqDaily: { zh: '每天', en: 'Daily', ja: '毎日' },
+    freqWeekly: { zh: '每周', en: 'Weekly', ja: '毎週' },
+    freqMonthly: { zh: '每月', en: 'Monthly', ja: '毎月' },
+    weekday1: { zh: '周一', en: 'Monday', ja: '月曜日' },
+    weekday2: { zh: '周二', en: 'Tuesday', ja: '火曜日' },
+    weekday3: { zh: '周三', en: 'Wednesday', ja: '水曜日' },
+    weekday4: { zh: '周四', en: 'Thursday', ja: '木曜日' },
+    weekday5: { zh: '周五', en: 'Friday', ja: '金曜日' },
+    weekday6: { zh: '周六', en: 'Saturday', ja: '土曜日' },
+    weekday7: { zh: '周日', en: 'Sunday', ja: '日曜日' },
+    dayOfMonthSuffix: { zh: '日', en: 'day', ja: '日' },
+    sendTime: { zh: '提醒时间', en: 'Time', ja: '通知時刻' },
+    sendTimePlaceholder: { zh: '例如 09:00', en: 'e.g. 09:00', ja: '例：09:00' },
+    sendTimeInvalid: { zh: '提醒时间格式应为 HH:mm', en: 'Time must be in HH:mm format', ja: '時刻は HH:mm 形式で入力してください' },
+    save: { zh: '保存', en: 'Save', ja: '保存' },
+    saveSuccess: { zh: '通知设置已保存', en: 'Notification settings saved', ja: '通知設定を保存しました' },
+    sendNow: { zh: '立即发送', en: 'Send now', ja: '今すぐ送信' },
+    sendNowSuccess: { zh: '已发送 {count} 个渠道', en: 'Sent to {count} channel(s)', ja: '{count} 件のチャネルに送信しました' },
+    sendNowFailed: { zh: '发送提醒失败', en: 'Failed to send reminder', ja: 'リマインダーの送信に失敗しました' },
+    channels: { zh: '推送渠道', en: 'Channels', ja: '通知チャネル' },
+    addChannel: { zh: '添加渠道', en: 'Add channel', ja: 'チャネルを追加' },
+    editChannel: { zh: '编辑渠道', en: 'Edit channel', ja: 'チャネルを編集' },
+    channelType: { zh: '渠道类型', en: 'Type', ja: 'チャネル種別' },
+    channelName: { zh: '渠道名称', en: 'Name', ja: 'チャネル名' },
+    channelNamePlaceholder: { zh: '便于识别的名称', en: 'A name to identify it', ja: '識別しやすい名前' },
+    enabledLabel: { zh: '已启用', en: 'Enabled', ja: '有効' },
+    disabledLabel: { zh: '已停用', en: 'Disabled', ja: '無効' },
+    typeEmail: { zh: '邮箱', en: 'Email', ja: 'メール' },
+    typeServerChan: { zh: 'Server 酱', en: 'ServerChan', ja: 'ServerChan' },
+    smtpHost: { zh: 'SMTP 服务器', en: 'SMTP host', ja: 'SMTP サーバー' },
+    smtpPort: { zh: 'SMTP 端口', en: 'SMTP port', ja: 'SMTP ポート' },
+    username: { zh: '邮箱账号', en: 'Email account', ja: 'メールアカウント' },
+    usernameRequired: { zh: '请填写邮箱账号', en: 'Please enter the email account', ja: 'メールアカウントを入力してください' },
+    sendKey: { zh: 'SendKey', en: 'SendKey', ja: 'SendKey' },
+    sendKeyPlaceholder: { zh: '在 sct.ftqq.com 获取的 SendKey', en: 'SendKey obtained from sct.ftqq.com', ja: 'sct.ftqq.com で取得した SendKey' },
+    sendKeyRequired: { zh: '请填写 Server 酱 SendKey', en: 'Please enter the ServerChan SendKey', ja: 'ServerChan の SendKey を入力してください' },
+    password: { zh: '授权码', en: 'Auth code', ja: '認証コード' },
+    passwordPlaceholder: { zh: '邮箱 SMTP 授权码', en: 'SMTP authorization code', ja: 'SMTP 認証コード' },
+    passwordKeep: { zh: '已配置，留空表示不修改', en: 'Configured; leave blank to keep', ja: '設定済み。空欄なら変更しません' },
+    to: { zh: '收件人', en: 'Recipient', ja: '宛先' },
+    toPlaceholder: { zh: '默认与账号相同', en: 'Defaults to the account', ja: '既定ではアカウントと同じ' },
+    ssl: { zh: '使用 SSL', en: 'Use SSL', ja: 'SSL を使用' },
+    test: { zh: '测试', en: 'Test', ja: 'テスト' },
+    testSuccess: { zh: '测试消息已发送', en: 'Test message sent', ja: 'テストメッセージを送信しました' },
+    testFailed: { zh: '测试发送失败', en: 'Test failed', ja: 'テスト送信に失敗しました' },
+    confirmDeleteChannel: { zh: '确认删除渠道「{name}」？', en: 'Delete channel "{name}"?', ja: 'チャネル「{name}」を削除しますか？' },
+    saveChannelSuccess: { zh: '渠道已保存', en: 'Channel saved', ja: 'チャネルを保存しました' },
+    noChannels: { zh: '暂无渠道，请先添加', en: 'No channels yet, please add one', ja: 'チャネルがありません。追加してください' },
+    logs: { zh: '最近发送记录', en: 'Recent deliveries', ja: '最近の送信履歴' },
+    success: { zh: '成功', en: 'Success', ja: '成功' },
+    failed: { zh: '失败', en: 'Failed', ja: '失敗' },
+    noLogs: { zh: '暂无发送记录', en: 'No delivery records yet', ja: '送信履歴はまだありません' },
+    loadFailed: { zh: '加载通知设置失败', en: 'Failed to load notification settings', ja: '通知設定の読み込みに失敗しました' },
+  },
+
   // 模型使用情况
   aiUsage: {
     title: { zh: '模型使用情况', en: 'Model Usage', ja: 'モデル利用状況' },
diff --git a/frontend/src/router/index.ts b/frontend/src/router/index.ts
index 57030b2..4c52d13 100644
--- a/frontend/src/router/index.ts
+++ b/frontend/src/router/index.ts
@@ -23,6 +23,11 @@ const router = createRouter({
       name: 'Register',
       component: () => import('../views/Register.vue'), // 注册页
     },
+    {
+      path: '/bill-import',
+      name: 'BillImport',
+      component: () => import('../views/BillImport.vue'), // 账单导入（独立页，无侧边栏）
+    },
     {
       path: '/',
       component: () => import('../views/Layout.vue'), // 主布局（带侧边栏）
@@ -101,9 +106,9 @@ router.beforeEach(async (to, _from, next) => {
   }
 
   const userStore = useUserStore()
-  // 如果目标页面不是登录/注册页，且没有 token，则重定向到登录页
+  // 如果目标页面不是登录/注册页，且没有 token，则重定向到登录页并记录来源，登录后可回跳
   if (to.path !== '/login' && to.path !== '/register' && !userStore.token) {
-    next('/login')
+    next({ path: '/login', query: { redirect: to.fullPath } })
   } else {
     next()
   }
diff --git a/frontend/src/views/BillImport.vue b/frontend/src/views/BillImport.vue
new file mode 100644
index 0000000..5dded7a
--- /dev/null
+++ b/frontend/src/views/BillImport.vue
@@ -0,0 +1,37 @@
+<script setup lang="ts">
+// 账单导入页：以独立页面形式承载账单导入面板（非弹窗），可由通知链接直达
+import { useRouter } from 'vue-router'
+import { useI18n } from 'vue-i18n'
+import { NCard } from 'naive-ui'
+import BillImportPanel from './BillImportPanel.vue'
+
+const router = useRouter()
+const { t } = useI18n()
+
+/** 面板关闭/完成后返回收支记录页 */
+function handleClose() {
+  router.push('/transactions')
+}
+</script>
+
+<template>
+  <div class="bill-import-page">
+    <NCard :title="t('import.title')" :bordered="true" class="bill-import-card">
+      <BillImportPanel @close="handleClose" />
+    </NCard>
+  </div>
+</template>
+
+<style scoped>
+.bill-import-page {
+  min-height: 100vh;
+  box-sizing: border-box;
+  padding: 24px;
+  background: #f5f7fa;
+  overflow-y: auto;
+}
+.bill-import-card {
+  max-width: 960px;
+  margin: 0 auto;
+}
+</style>
diff --git a/frontend/src/views/BillImportModal.vue b/frontend/src/views/BillImportModal.vue
index acde249..2fff21f 100644
--- a/frontend/src/views/BillImportModal.vue
+++ b/frontend/src/views/BillImportModal.vue
@@ -1,17 +1,8 @@
 <script setup lang="ts">
-// 账单导入弹窗：先解析、后勾选导入（默认全选），当前支持支付宝与微信账单
-import { ref, computed, h, watch } from 'vue'
+// 账单导入弹窗：以弹窗形式承载 BillImportPanel，供收支记录页调用
 import { useI18n } from 'vue-i18n'
-import {
-  useMessage, NModal, NSpace, NButton, NSelect, NUpload, NUploadDragger, NDataTable,
-  NCheckbox, NTag, NAlert, NText, NIcon, NInput, NInputNumber,
-} from 'naive-ui'
-import type { DataTableColumns, 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 { NModal } from 'naive-ui'
+import BillImportPanel from './BillImportPanel.vue'
 
 const props = defineProps<{ show: boolean }>()
 const emit = defineEmits<{
@@ -19,368 +10,12 @@ const emit = defineEmits<{
   (e: 'imported'): void
 }>()
 
-const message = useMessage()
-const { t } = useI18n() // 国际化
-
-// 账单类型偏好存储键
-const BILL_TYPE_PREFS_KEY = 'finance.billImport.billType'
-
-// 账单类型选项，当前支持支付宝与微信
-const billTypeOptions = computed(() => [
-  { label: t('import.billTypeALIPAY'), value: 'ALIPAY' },
-  { label: t('import.billTypeWECHAT'), value: 'WECHAT' },
-])
-
-/** 读取上次选择的账单类型偏好，非法值回退为支付宝 */
-function loadBillTypePref(): BillType {
-  const saved = localStorage.getItem(BILL_TYPE_PREFS_KEY)
-  return saved === 'ALIPAY' || saved === 'WECHAT' ? saved : 'ALIPAY'
-}
-
-// 当前账单类型，初始值取上次选择（个人偏好）
-const billType = ref<BillType>(loadBillTypePref())
-
-// 各账单类型允许上传的文件扩展名
-const allowedExtensions: Record<BillType, string[]> = {
-  ALIPAY: ['.csv'],
-  WECHAT: ['.xlsx'],
-}
-
-// 当前账单类型允许的扩展名，用于上传组件 accept 属性
-const acceptTypes = computed(() => (allowedExtensions[billType.value] || []).join(','))
-
-// 当前账单类型的文件格式提示
-const fileHint = computed(() => {
-  const label = billType.value === 'WECHAT' ? t('import.billTypeWECHAT') : t('import.billTypeALIPAY')
-  const exts = (allowedExtensions[billType.value] || []).join(t('import.extSeparator'))
-  return t('import.fileHint', { label, exts })
-})
-
-// 当前账单类型的导出路径提示
-const exportHint = computed(() =>
-  billType.value === 'WECHAT' ? t('import.exportHintWECHAT') : t('import.exportHintALIPAY'),
-)
-
-// 弹窗阶段：选择文件 -> 预览勾选 -> 导入结果
-const stage = ref<'select' | 'preview' | 'result'>('select')
-
-const file = ref<File | null>(null)
-const uploadFileList = ref<UploadFileInfo[]>([])
-const parsing = ref(false)
-const importing = ref(false)
-
-// 解析结果与勾选状态
-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.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 || '-')
-    },
-  },
-])
-
-/** 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] || []
-  const lower = name.toLowerCase()
-  return exts.length === 0 || exts.some((ext) => lower.endsWith(ext))
-}
-
-/** 文件选择变化（支持点击或拖拽），按账单类型校验扩展名，非法文件直接拒绝 */
-function handleFileChange(options: { fileList: UploadFileInfo[] }) {
-  const last = options.fileList[options.fileList.length - 1]
-  if (last?.file && !isAllowedFile(last.name)) {
-    const label = billType.value === 'WECHAT' ? t('import.billTypeWECHAT') : t('import.billTypeALIPAY')
-    const exts = allowedExtensions[billType.value].join(t('import.extSeparator'))
-    message.error(t('import.errorFileType', { label, exts }))
-    uploadFileList.value = []
-    file.value = null
-    return
-  }
-  uploadFileList.value = options.fileList
-  file.value = last?.file ?? null
-}
-
-/** 解析账单 */
-async function handleParse() {
-  if (!file.value) {
-    message.warning(t('import.selectFileFirst'))
-    return
-  }
-  parsing.value = true
-  try {
-    const res: any = await parseBill(file.value, billType.value)
-    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'
-  } catch (e: any) {
-    message.error(e.message || t('import.parseFailed'))
-  } finally {
-    parsing.value = false
-  }
-}
-
-/** 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) : []
-}
-
-/** 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,
-  }))
-  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,
-    })
-    result.value = res.data
-    stage.value = 'result'
-    emit('imported')
-  } catch (e: any) {
-    message.error(e.message || t('import.importFailed'))
-  } finally {
-    importing.value = false
-  }
-}
-
-/** 重置弹窗状态 */
-function reset() {
-  stage.value = 'select'
-  file.value = null
-  uploadFileList.value = []
-  rows.value = []
-  checkedRowNos.value = []
-  result.value = null
-  expenseCategoryId.value = null
-  incomeCategoryId.value = null
-  importTagIds.value = []
-  resetFilters()
-}
+const { t } = useI18n()
 
 /** 关闭弹窗 */
 function handleClose() {
   emit('update:show', false)
 }
-
-// 切换账单类型时清空已选文件、记录偏好，避免文件格式与类型不匹配
-watch(billType, (value) => {
-  uploadFileList.value = []
-  file.value = null
-  localStorage.setItem(BILL_TYPE_PREFS_KEY, value)
-})
-
-// 打开弹窗时重置并加载分类
-watch(
-  () => props.show,
-  (visible) => {
-    if (visible) {
-      reset()
-      loadCategories()
-      loadTags()
-    }
-  },
-)
 </script>
 
 <template>
@@ -392,139 +27,6 @@ watch(
     :mask-closable="false"
     @update:show="handleClose"
   >
-    <!-- 第一步：选择账单类型与文件 -->
-    <template v-if="stage === 'select'">
-      <NSpace vertical :size="16">
-        <NSpace align="center">
-          <NText>{{ t('import.billType') }}</NText>
-          <NSelect v-model:value="billType" :options="billTypeOptions" style="width: 160px;" />
-        </NSpace>
-
-        <div>
-          <NText>{{ t('import.billFile') }}</NText>
-          <NUpload
-            :file-list="uploadFileList"
-            :default-upload="false"
-            :max="1"
-            :accept="acceptTypes"
-            style="margin-top: 8px;"
-            @change="handleFileChange"
-          >
-            <NUploadDragger>
-              <div style="padding: 24px 0; text-align: center;">
-                <NIcon size="48" :depth="3">
-                  <CloudUploadOutline />
-                </NIcon>
-                <div style="font-size: 15px; margin-top: 8px;">{{ t('import.dropText') }}</div>
-                <div style="font-size: 12px; color: #999; margin-top: 4px;">
-                  {{ fileHint }}
-                </div>
-              </div>
-            </NUploadDragger>
-          </NUpload>
-        </div>
-
-        <NAlert type="info" :show-icon="true">
-          {{ exportHint }}
-        </NAlert>
-
-        <NSpace justify="end">
-          <NButton @click="handleClose">{{ t('common.cancel') }}</NButton>
-          <NButton type="primary" :loading="parsing" :disabled="!file" @click="handleParse">{{ t('import.parse') }}</NButton>
-        </NSpace>
-      </NSpace>
-    </template>
-
-    <!-- 第二步：预览并勾选 -->
-    <template v-else-if="stage === 'preview'">
-      <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>
-          <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="stage = 'select'">{{ t('import.prevStep') }}</NButton>
-          <NButton type="primary" :loading="importing" @click="handleConfirm">
-            {{ t('import.confirmImport', { count: checkedRows.length }) }}
-          </NButton>
-        </NSpace>
-      </NSpace>
-    </template>
-
-    <!-- 第三步：导入结果 -->
-    <template v-else>
-      <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="handleClose">{{ t('import.done') }}</NButton>
-        </NSpace>
-      </NSpace>
-    </template>
+    <BillImportPanel @close="handleClose" @imported="emit('imported')" />
   </NModal>
 </template>
diff --git a/frontend/src/views/BillImportPanel.vue b/frontend/src/views/BillImportPanel.vue
new file mode 100644
index 0000000..9327a8a
--- /dev/null
+++ b/frontend/src/views/BillImportPanel.vue
@@ -0,0 +1,511 @@
+<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 { useI18n } from 'vue-i18n'
+import {
+  useMessage, NSpace, NButton, NSelect, NUpload, NUploadDragger, NDataTable,
+  NCheckbox, NTag, NAlert, NText, NIcon, NInput, NInputNumber,
+} from 'naive-ui'
+import type { DataTableColumns, 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'
+
+const emit = defineEmits<{
+  (e: 'close'): void
+  (e: 'imported'): void
+}>()
+
+const message = useMessage()
+const { t } = useI18n() // 国际化
+
+// 账单类型偏好存储键
+const BILL_TYPE_PREFS_KEY = 'finance.billImport.billType'
+
+// 账单类型选项，当前支持支付宝与微信
+const billTypeOptions = computed(() => [
+  { label: t('import.billTypeALIPAY'), value: 'ALIPAY' },
+  { label: t('import.billTypeWECHAT'), value: 'WECHAT' },
+])
+
+/** 读取上次选择的账单类型偏好，非法值回退为支付宝 */
+function loadBillTypePref(): BillType {
+  const saved = localStorage.getItem(BILL_TYPE_PREFS_KEY)
+  return saved === 'ALIPAY' || saved === 'WECHAT' ? saved : 'ALIPAY'
+}
+
+// 当前账单类型，初始值取上次选择（个人偏好）
+const billType = ref<BillType>(loadBillTypePref())
+
+// 各账单类型允许上传的文件扩展名
+const allowedExtensions: Record<BillType, string[]> = {
+  ALIPAY: ['.csv'],
+  WECHAT: ['.xlsx'],
+}
+
+// 当前账单类型允许的扩展名，用于上传组件 accept 属性
+const acceptTypes = computed(() => (allowedExtensions[billType.value] || []).join(','))
+
+// 当前账单类型的文件格式提示
+const fileHint = computed(() => {
+  const label = billType.value === 'WECHAT' ? t('import.billTypeWECHAT') : t('import.billTypeALIPAY')
+  const exts = (allowedExtensions[billType.value] || []).join(t('import.extSeparator'))
+  return t('import.fileHint', { label, exts })
+})
+
+// 当前账单类型的导出路径提示
+const exportHint = computed(() =>
+  billType.value === 'WECHAT' ? t('import.exportHintWECHAT') : t('import.exportHintALIPAY'),
+)
+
+// 面板阶段：选择文件 -> 预览勾选 -> 导入结果
+const stage = ref<'select' | 'preview' | 'result'>('select')
+
+const file = ref<File | null>(null)
+const uploadFileList = ref<UploadFileInfo[]>([])
+const parsing = ref(false)
+const importing = ref(false)
+
+// 解析结果与勾选状态
+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.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 || '-')
+    },
+  },
+])
+
+/** 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] || []
+  const lower = name.toLowerCase()
+  return exts.length === 0 || exts.some((ext) => lower.endsWith(ext))
+}
+
+/** 文件选择变化（支持点击或拖拽），按账单类型校验扩展名，非法文件直接拒绝 */
+function handleFileChange(options: { fileList: UploadFileInfo[] }) {
+  const last = options.fileList[options.fileList.length - 1]
+  if (last?.file && !isAllowedFile(last.name)) {
+    const label = billType.value === 'WECHAT' ? t('import.billTypeWECHAT') : t('import.billTypeALIPAY')
+    const exts = allowedExtensions[billType.value].join(t('import.extSeparator'))
+    message.error(t('import.errorFileType', { label, exts }))
+    uploadFileList.value = []
+    file.value = null
+    return
+  }
+  uploadFileList.value = options.fileList
+  file.value = last?.file ?? null
+}
+
+/** 解析账单 */
+async function handleParse() {
+  if (!file.value) {
+    message.warning(t('import.selectFileFirst'))
+    return
+  }
+  parsing.value = true
+  try {
+    const res: any = await parseBill(file.value, billType.value)
+    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'
+  } catch (e: any) {
+    message.error(e.message || t('import.parseFailed'))
+  } finally {
+    parsing.value = false
+  }
+}
+
+/** 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) : []
+}
+
+/** 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,
+  }))
+  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,
+    })
+    result.value = res.data
+    stage.value = 'result'
+    emit('imported')
+  } catch (e: any) {
+    message.error(e.message || t('import.importFailed'))
+  } finally {
+    importing.value = false
+  }
+}
+
+/** 重置面板状态 */
+function reset() {
+  stage.value = 'select'
+  file.value = null
+  uploadFileList.value = []
+  rows.value = []
+  checkedRowNos.value = []
+  result.value = null
+  expenseCategoryId.value = null
+  incomeCategoryId.value = null
+  importTagIds.value = []
+  resetFilters()
+}
+
+/** 关闭面板（取消或完成） */
+function handleClose() {
+  emit('close')
+}
+
+// 切换账单类型时清空已选文件、记录偏好，避免文件格式与类型不匹配
+watch(billType, (value) => {
+  uploadFileList.value = []
+  file.value = null
+  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）
+onMounted(() => {
+  reset()
+  loadCategories()
+  loadTags()
+})
+</script>
+
+<template>
+  <!-- 第一步：选择账单类型与文件 -->
+  <NSpace v-if="stage === 'select'" vertical :size="16">
+    <NSpace align="center">
+      <NText>{{ t('import.billType') }}</NText>
+      <NSelect v-model:value="billType" :options="billTypeOptions" style="width: 160px;" />
+    </NSpace>
+
+    <div>
+      <NText>{{ t('import.billFile') }}</NText>
+      <NUpload
+        :file-list="uploadFileList"
+        :default-upload="false"
+        :max="1"
+        :accept="acceptTypes"
+        style="margin-top: 8px;"
+        @change="handleFileChange"
+      >
+        <NUploadDragger>
+          <div style="padding: 24px 0; text-align: center;">
+            <NIcon size="48" :depth="3">
+              <CloudUploadOutline />
+            </NIcon>
+            <div style="font-size: 15px; margin-top: 8px;">{{ t('import.dropText') }}</div>
+            <div style="font-size: 12px; color: #999; margin-top: 4px;">
+              {{ fileHint }}
+            </div>
+          </div>
+        </NUploadDragger>
+      </NUpload>
+    </div>
+
+    <NAlert type="info" :show-icon="true">
+      {{ exportHint }}
+    </NAlert>
+
+    <NSpace justify="end">
+      <NButton @click="handleClose">{{ t('common.cancel') }}</NButton>
+      <NButton type="primary" :loading="parsing" :disabled="!file" @click="handleParse">{{ t('import.parse') }}</NButton>
+    </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>
+      <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="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>
+</template>
diff --git a/frontend/src/views/Login.vue b/frontend/src/views/Login.vue
index 520a2fa..efaea44 100644
--- a/frontend/src/views/Login.vue
+++ b/frontend/src/views/Login.vue
@@ -1,7 +1,7 @@
 <script setup lang="ts">
 // 登录页面组件：提供用户名/密码表单，验证后跳转至首页
 import { ref, computed, onMounted } from 'vue'
-import { useRouter } from 'vue-router'
+import { useRouter, useRoute } from 'vue-router'
 import { useI18n } from 'vue-i18n'
 import { useMessage, NCard, NForm, NFormItem, NInput, NButton, NSpace } from 'naive-ui'
 import { login } from '../api/user'
@@ -10,6 +10,7 @@ import { useRegistrationStore } from '../store/registration'
 import LocaleSwitch from '../components/LocaleSwitch.vue'
 
 const router = useRouter()
+const route = useRoute()
 const message = useMessage() // 消息提示工具
 const userStore = useUserStore() // 用户状态管理
 const registrationStore = useRegistrationStore() // 注册状态管理
@@ -31,6 +32,16 @@ const form = ref({
 })
 const loading = ref(false) // 登录按钮加载状态
 
+/** 解析登录后的回跳地址：仅允许站内路径，避免开放重定向 */
+function resolveRedirect(): string {
+  const redirect = route.query.redirect
+  const target = Array.isArray(redirect) ? redirect[0] : redirect
+  if (typeof target === 'string' && target.startsWith('/') && !target.startsWith('//')) {
+    return target
+  }
+  return '/dashboard'
+}
+
 /** 处理登录操作：校验表单 -> 调用登录接口 -> 保存 token -> 跳转首页 */
 async function handleLogin() {
   if (!form.value.username || !form.value.password) {
@@ -43,7 +54,7 @@ async function handleLogin() {
     userStore.setToken(res.data.token) // 保存 token
     userStore.setUserInfo(res.data.user.nickname, res.data.user.id) // 保存用户信息
     message.success(t('login.success'))
-    router.push('/dashboard') // 跳转到统计面板
+    router.push(resolveRedirect()) // 跳转到来源页或统计面板
   } catch (e: any) {
     message.error(e.message || t('login.failed'))
   } finally {
diff --git a/frontend/src/views/Settings.vue b/frontend/src/views/Settings.vue
index c01240e..0107aae 100644
--- a/frontend/src/views/Settings.vue
+++ b/frontend/src/views/Settings.vue
@@ -1,9 +1,10 @@
 <script setup lang="ts">
-// 系统设置页：上下分区展示数据库配置与 AI 模型配置
+// 系统设置页：上下分区展示数据库配置、注册设置、AI 模型配置与定时通知
 import { useI18n } from 'vue-i18n'
 import DatabaseConfigPanel from '../components/DatabaseConfigPanel.vue'
 import RegistrationConfigPanel from '../components/RegistrationConfigPanel.vue'
 import AiConfigPanel from '../components/AiConfigPanel.vue'
+import NotificationConfigPanel from '../components/NotificationConfigPanel.vue'
 
 const { t } = useI18n()
 </script>
@@ -14,17 +15,23 @@ const { t } = useI18n()
     <DatabaseConfigPanel />
     <RegistrationConfigPanel />
     <AiConfigPanel />
+    <NotificationConfigPanel />
   </div>
 </template>
 
 <style scoped>
 .settings-page {
   max-width: 860px;
+  display: flex;
+  flex-direction: column;
+  gap: 20px;
 }
 .page-title {
-  margin: 0 0 16px;
+  margin: 0;
 }
 .settings-page > :deep(.n-card) {
-  margin-bottom: 16px;
+  border: 1px solid #efeff5;
+  border-radius: 12px;
+  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.04);
 }
 </style>
diff --git a/src/main/java/cn/rosercode/finance/config/NotificationSchedulingConfig.java b/src/main/java/cn/rosercode/finance/config/NotificationSchedulingConfig.java
new file mode 100644
index 0000000..478e905
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/config/NotificationSchedulingConfig.java
@@ -0,0 +1,16 @@
+package cn.rosercode.finance.config;
+
+import org.springframework.context.annotation.Configuration;
+import org.springframework.scheduling.annotation.EnableScheduling;
+
+/**
+ * 通知调度配置类。
+ *
+ * <p>开启 Spring 的定时任务能力，供通知调度器按用户配置的周期检查并推送账单导入提醒。</p>
+ *
+ * @date 2026-09-18 12:36:47
+ */
+@Configuration
+@EnableScheduling
+public class NotificationSchedulingConfig {
+}
diff --git a/src/main/java/cn/rosercode/finance/config/app/AppConfig.java b/src/main/java/cn/rosercode/finance/config/app/AppConfig.java
index c72b861..0c2bad8 100644
--- a/src/main/java/cn/rosercode/finance/config/app/AppConfig.java
+++ b/src/main/java/cn/rosercode/finance/config/app/AppConfig.java
@@ -17,4 +17,7 @@ public class AppConfig {
 
     /** 是否开放注册：true 开放，false 关闭（默认关闭） */
     private boolean registrationEnabled = false;
+
+    /** 通知链接地址（完整链接，如 https://finance.rosercode.cn/bill-import），为空时通知不附带链接 */
+    private String notificationUrl;
 }
diff --git a/src/main/java/cn/rosercode/finance/controller/AppConfigController.java b/src/main/java/cn/rosercode/finance/controller/AppConfigController.java
new file mode 100644
index 0000000..11a4c64
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/controller/AppConfigController.java
@@ -0,0 +1,58 @@
+package cn.rosercode.finance.controller;
+
+import cn.rosercode.finance.common.Result;
+import cn.rosercode.finance.config.app.AppConfig;
+import cn.rosercode.finance.config.app.AppConfigStore;
+import cn.rosercode.finance.dto.NotificationUrlRequest;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import org.springframework.web.bind.annotation.GetMapping;
+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.RestController;
+
+/**
+ * 应用配置控制器
+ *
+ * <p>提供全局应用级配置的读写接口，当前包含通知链接地址（账单导入提醒中的跳转链接）。</p>
+ *
+ * @date 2026-09-18 15:55:15
+ */
+@RestController
+@RequestMapping("/api/app")
+@Tag(name = "应用配置", description = "全局应用级配置读写接口")
+public class AppConfigController {
+
+    private final AppConfigStore appConfigStore;
+
+    public AppConfigController(AppConfigStore appConfigStore) {
+        this.appConfigStore = appConfigStore;
+    }
+
+    /**
+     * 查询通知链接地址。
+     *
+     * @return 通知链接地址，未配置时为空
+     */
+    @GetMapping("/notification-url")
+    @Operation(summary = "查询通知链接地址", description = "读取账单导入提醒中使用的跳转链接")
+    public Result<String> getNotificationUrl() {
+        return Result.success(appConfigStore.load().getNotificationUrl());
+    }
+
+    /**
+     * 更新通知链接地址。
+     *
+     * @param request 通知链接地址更新请求
+     * @return 更新后的通知链接地址
+     */
+    @PutMapping("/notification-url")
+    @Operation(summary = "更新通知链接地址", description = "设置账单导入提醒中使用的跳转链接")
+    public Result<String> updateNotificationUrl(@RequestBody NotificationUrlRequest request) {
+        AppConfig config = appConfigStore.load();
+        config.setNotificationUrl(request.getUrl());
+        appConfigStore.save(config);
+        return Result.success(config.getNotificationUrl());
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/controller/NotificationController.java b/src/main/java/cn/rosercode/finance/controller/NotificationController.java
new file mode 100644
index 0000000..c5b6824
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/controller/NotificationController.java
@@ -0,0 +1,182 @@
+package cn.rosercode.finance.controller;
+
+import cn.rosercode.finance.common.Result;
+import cn.rosercode.finance.dto.NotificationChannelRequest;
+import cn.rosercode.finance.dto.NotificationConfigRequest;
+import cn.rosercode.finance.service.NotificationChannelService;
+import cn.rosercode.finance.service.NotificationConfigService;
+import cn.rosercode.finance.service.NotificationService;
+import cn.rosercode.finance.vo.NotificationChannelVO;
+import cn.rosercode.finance.vo.NotificationConfigVO;
+import cn.rosercode.finance.vo.NotificationLogVO;
+import io.swagger.v3.oas.annotations.Operation;
+import io.swagger.v3.oas.annotations.tags.Tag;
+import jakarta.servlet.http.HttpServletRequest;
+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 java.util.List;
+
+/**
+ * 通知控制器
+ *
+ * <p>提供账单导入提醒的周期配置、推送渠道管理、测试发送与发送日志查询接口。</p>
+ *
+ * @date 2026-09-18 12:38:35
+ */
+@RestController
+@RequestMapping("/api/notification")
+@Tag(name = "定时通知", description = "账单导入提醒的周期配置与多渠道推送相关接口")
+public class NotificationController {
+
+    private final NotificationConfigService notificationConfigService;
+    private final NotificationChannelService notificationChannelService;
+    private final NotificationService notificationService;
+
+    public NotificationController(NotificationConfigService notificationConfigService,
+                                  NotificationChannelService notificationChannelService,
+                                  NotificationService notificationService) {
+        this.notificationConfigService = notificationConfigService;
+        this.notificationChannelService = notificationChannelService;
+        this.notificationService = notificationService;
+    }
+
+    /**
+     * 获取当前用户的通知配置。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @return 通知配置
+     */
+    @GetMapping("/config")
+    @Operation(summary = "获取通知配置", description = "获取当前用户的账单导入提醒周期配置")
+    public Result<NotificationConfigVO> getConfig(HttpServletRequest request) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationConfigService.getConfig(userId));
+    }
+
+    /**
+     * 保存当前用户的通知配置。
+     *
+     * @param request       HTTP请求，从中获取用户ID
+     * @param configRequest 配置保存请求
+     * @return 操作结果
+     */
+    @PutMapping("/config")
+    @Operation(summary = "保存通知配置", description = "更新当前用户的提醒周期与发送时间")
+    public Result<Void> saveConfig(HttpServletRequest request,
+                                   @RequestBody NotificationConfigRequest configRequest) {
+        Long userId = (Long) request.getAttribute("userId");
+        notificationConfigService.saveConfig(userId, configRequest);
+        return Result.success();
+    }
+
+    /**
+     * 查询当前用户的通知渠道。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @return 渠道列表
+     */
+    @GetMapping("/channels")
+    @Operation(summary = "查询通知渠道", description = "查询当前用户配置的所有推送渠道")
+    public Result<List<NotificationChannelVO>> listChannels(HttpServletRequest request) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationChannelService.listChannels(userId));
+    }
+
+    /**
+     * 新增通知渠道。
+     *
+     * @param request        HTTP请求，从中获取用户ID
+     * @param channelRequest 渠道保存请求
+     * @return 新渠道ID
+     */
+    @PostMapping("/channels")
+    @Operation(summary = "新增通知渠道", description = "新增邮箱或 Server 酱推送渠道")
+    public Result<Long> createChannel(HttpServletRequest request,
+                                      @RequestBody NotificationChannelRequest channelRequest) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationChannelService.createChannel(userId, channelRequest));
+    }
+
+    /**
+     * 修改通知渠道。
+     *
+     * @param request        HTTP请求，从中获取用户ID
+     * @param id             渠道ID
+     * @param channelRequest 渠道保存请求
+     * @return 操作结果
+     */
+    @PutMapping("/channels/{id}")
+    @Operation(summary = "修改通知渠道", description = "更新指定渠道的名称、开关与配置")
+    public Result<Void> updateChannel(HttpServletRequest request, @PathVariable Long id,
+                                      @RequestBody NotificationChannelRequest channelRequest) {
+        Long userId = (Long) request.getAttribute("userId");
+        notificationChannelService.updateChannel(userId, id, channelRequest);
+        return Result.success();
+    }
+
+    /**
+     * 删除通知渠道。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @param id      渠道ID
+     * @return 操作结果
+     */
+    @DeleteMapping("/channels/{id}")
+    @Operation(summary = "删除通知渠道", description = "删除指定的推送渠道")
+    public Result<Void> deleteChannel(HttpServletRequest request, @PathVariable Long id) {
+        Long userId = (Long) request.getAttribute("userId");
+        notificationChannelService.deleteChannel(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 测试指定渠道。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @param id      渠道ID
+     * @return 操作结果
+     */
+    @PostMapping("/channels/{id}/test")
+    @Operation(summary = "测试通知渠道", description = "向指定渠道发送一条测试消息")
+    public Result<Void> testChannel(HttpServletRequest request, @PathVariable Long id) {
+        Long userId = (Long) request.getAttribute("userId");
+        notificationService.sendTest(userId, id);
+        return Result.success();
+    }
+
+    /**
+     * 立即发送账单导入提醒。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @return 发送成功的渠道数
+     */
+    @PostMapping("/send-now")
+    @Operation(summary = "立即发送提醒", description = "跳过周期设置，立即向所有已启用渠道发送账单导入提醒")
+    public Result<Integer> sendNow(HttpServletRequest request) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationService.sendReminderNow(userId));
+    }
+
+    /**
+     * 查询最近的发送日志。
+     *
+     * @param request HTTP请求，从中获取用户ID
+     * @param limit   条数上限，默认 20
+     * @return 日志列表
+     */
+    @GetMapping("/logs")
+    @Operation(summary = "查询发送日志", description = "查询当前用户最近的提醒发送结果")
+    public Result<List<NotificationLogVO>> listLogs(HttpServletRequest request,
+                                                    @RequestParam(defaultValue = "20") int limit) {
+        Long userId = (Long) request.getAttribute("userId");
+        return Result.success(notificationService.listLogs(userId, limit));
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/dto/NotificationChannelRequest.java b/src/main/java/cn/rosercode/finance/dto/NotificationChannelRequest.java
new file mode 100644
index 0000000..637ff35
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/dto/NotificationChannelRequest.java
@@ -0,0 +1,26 @@
+package cn.rosercode.finance.dto;
+
+import lombok.Data;
+
+import java.util.Map;
+
+/**
+ * 通知渠道保存请求DTO，用于新增或修改消息推送渠道。
+ *
+ * @date 2026-09-18 12:37:12
+ */
+@Data
+public class NotificationChannelRequest {
+
+    /** 渠道类型：EMAIL-邮箱，SERVERCHAN-Server 酱 */
+    private String type;
+
+    /** 渠道名称，便于用户识别 */
+    private String name;
+
+    /** 是否启用 */
+    private Boolean enabled;
+
+    /** 渠道配置，字段随类型不同而变化；EMAIL 的 password 留空表示保留原值 */
+    private Map<String, Object> config;
+}
diff --git a/src/main/java/cn/rosercode/finance/dto/NotificationConfigRequest.java b/src/main/java/cn/rosercode/finance/dto/NotificationConfigRequest.java
new file mode 100644
index 0000000..62a3323
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/dto/NotificationConfigRequest.java
@@ -0,0 +1,27 @@
+package cn.rosercode.finance.dto;
+
+import lombok.Data;
+
+/**
+ * 通知配置保存请求DTO，用于更新用户的账单导入提醒周期。
+ *
+ * @date 2026-09-18 12:37:11
+ */
+@Data
+public class NotificationConfigRequest {
+
+    /** 是否启用定时提醒 */
+    private Boolean enabled;
+
+    /** 提醒周期：DAILY-每天，WEEKLY-每周，MONTHLY-每月 */
+    private String frequency;
+
+    /** 每月提醒日（1-28），frequency=MONTHLY 时生效 */
+    private Integer dayOfMonth;
+
+    /** 每周提醒日（1-7，1 为周一），frequency=WEEKLY 时生效 */
+    private Integer dayOfWeek;
+
+    /** 提醒时间（HH:mm） */
+    private String sendTime;
+}
diff --git a/src/main/java/cn/rosercode/finance/dto/NotificationUrlRequest.java b/src/main/java/cn/rosercode/finance/dto/NotificationUrlRequest.java
new file mode 100644
index 0000000..aae61f3
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/dto/NotificationUrlRequest.java
@@ -0,0 +1,15 @@
+package cn.rosercode.finance.dto;
+
+import lombok.Data;
+
+/**
+ * 通知链接地址更新请求对象。
+ *
+ * @date 2026-09-18 15:55:15
+ */
+@Data
+public class NotificationUrlRequest {
+
+    /** 通知链接地址（完整链接，如 https://finance.rosercode.cn/bill-import） */
+    private String url;
+}
diff --git a/src/main/java/cn/rosercode/finance/entity/NotificationChannel.java b/src/main/java/cn/rosercode/finance/entity/NotificationChannel.java
new file mode 100644
index 0000000..1bf6a97
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/entity/NotificationChannel.java
@@ -0,0 +1,43 @@
+package cn.rosercode.finance.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知渠道实体类，对应数据库表 t_notification_channel，用于记录用户配置的消息推送渠道。
+ *
+ * @date 2026-09-18 12:37:06
+ */
+@Data
+@TableName("t_notification_channel")
+public class NotificationChannel {
+
+    /** 渠道ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 渠道类型：EMAIL-邮箱，SERVERCHAN-Server 酱 */
+    private String type;
+
+    /** 渠道名称，便于用户识别 */
+    private String name;
+
+    /** 是否启用 */
+    private Boolean enabled;
+
+    /** 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
new file mode 100644
index 0000000..7ff7d84
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/entity/NotificationConfig.java
@@ -0,0 +1,49 @@
+package cn.rosercode.finance.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知配置实体类，对应数据库表 t_notification_config，用于记录用户的账单导入提醒周期。
+ *
+ * @date 2026-09-18 12:37:06
+ */
+@Data
+@TableName("t_notification_config")
+public class NotificationConfig {
+
+    /** 配置ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 是否启用定时提醒 */
+    private Boolean enabled;
+
+    /** 提醒周期：DAILY-每天，WEEKLY-每周，MONTHLY-每月 */
+    private String frequency;
+
+    /** 每月提醒日（1-28），frequency=MONTHLY 时生效 */
+    private Integer dayOfMonth;
+
+    /** 每周提醒日（1-7，1 为周一），frequency=WEEKLY 时生效 */
+    private Integer dayOfWeek;
+
+    /** 提醒时间（HH:mm） */
+    private String sendTime;
+
+    /** 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
new file mode 100644
index 0000000..c4bdaed
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/entity/NotificationLog.java
@@ -0,0 +1,40 @@
+package cn.rosercode.finance.entity;
+
+import com.baomidou.mybatisplus.annotation.IdType;
+import com.baomidou.mybatisplus.annotation.TableId;
+import com.baomidou.mybatisplus.annotation.TableName;
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知日志实体类，对应数据库表 t_notification_log，用于记录每次提醒的发送结果。
+ *
+ * @date 2026-09-18 12:37:07
+ */
+@Data
+@TableName("t_notification_log")
+public class NotificationLog {
+
+    /** 日志ID，主键自增 */
+    @TableId(type = IdType.AUTO)
+    private Long id;
+
+    /** 所属用户ID */
+    private Long userId;
+
+    /** 渠道ID，测试或渠道已删除时可能为空 */
+    private Long channelId;
+
+    /** 渠道类型 */
+    private String channelType;
+
+    /** 是否成功 */
+    private Boolean success;
+
+    /** 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/enums/NotificationChannelType.java b/src/main/java/cn/rosercode/finance/enums/NotificationChannelType.java
new file mode 100644
index 0000000..5a0ec1b
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/enums/NotificationChannelType.java
@@ -0,0 +1,15 @@
+package cn.rosercode.finance.enums;
+
+/**
+ * 通知渠道类型枚举，标识消息推送的途径。
+ *
+ * @date 2026-09-18 12:37:05
+ */
+public enum NotificationChannelType {
+
+    /** 邮箱（SMTP，如 QQ 邮箱） */
+    EMAIL,
+
+    /** Server 酱（推送到个人微信） */
+    SERVERCHAN
+}
diff --git a/src/main/java/cn/rosercode/finance/enums/NotificationFrequency.java b/src/main/java/cn/rosercode/finance/enums/NotificationFrequency.java
new file mode 100644
index 0000000..5839071
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/enums/NotificationFrequency.java
@@ -0,0 +1,18 @@
+package cn.rosercode.finance.enums;
+
+/**
+ * 通知周期枚举，标识账单导入提醒的触发频率。
+ *
+ * @date 2026-09-18 12:37:04
+ */
+public enum NotificationFrequency {
+
+    /** 每天提醒 */
+    DAILY,
+
+    /** 每周提醒 */
+    WEEKLY,
+
+    /** 每月提醒 */
+    MONTHLY
+}
diff --git a/src/main/java/cn/rosercode/finance/mapper/NotificationChannelMapper.java b/src/main/java/cn/rosercode/finance/mapper/NotificationChannelMapper.java
new file mode 100644
index 0000000..007907f
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/mapper/NotificationChannelMapper.java
@@ -0,0 +1,14 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import cn.rosercode.finance.entity.NotificationChannel;
+import org.apache.ibatis.annotations.Mapper;
+
+/**
+ * 通知渠道Mapper接口，继承MyBatis-Plus的BaseMapper，提供通知渠道表的基础CRUD操作。
+ *
+ * @date 2026-09-18 12:37:08
+ */
+@Mapper
+public interface NotificationChannelMapper extends BaseMapper<NotificationChannel> {
+}
diff --git a/src/main/java/cn/rosercode/finance/mapper/NotificationConfigMapper.java b/src/main/java/cn/rosercode/finance/mapper/NotificationConfigMapper.java
new file mode 100644
index 0000000..5c1c3df
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/mapper/NotificationConfigMapper.java
@@ -0,0 +1,14 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import cn.rosercode.finance.entity.NotificationConfig;
+import org.apache.ibatis.annotations.Mapper;
+
+/**
+ * 通知配置Mapper接口，继承MyBatis-Plus的BaseMapper，提供通知配置表的基础CRUD操作。
+ *
+ * @date 2026-09-18 12:37:08
+ */
+@Mapper
+public interface NotificationConfigMapper extends BaseMapper<NotificationConfig> {
+}
diff --git a/src/main/java/cn/rosercode/finance/mapper/NotificationLogMapper.java b/src/main/java/cn/rosercode/finance/mapper/NotificationLogMapper.java
new file mode 100644
index 0000000..724637d
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/mapper/NotificationLogMapper.java
@@ -0,0 +1,14 @@
+package cn.rosercode.finance.mapper;
+
+import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import cn.rosercode.finance.entity.NotificationLog;
+import org.apache.ibatis.annotations.Mapper;
+
+/**
+ * 通知日志Mapper接口，继承MyBatis-Plus的BaseMapper，提供通知日志表的基础CRUD操作。
+ *
+ * @date 2026-09-18 12:37:08
+ */
+@Mapper
+public interface NotificationLogMapper extends BaseMapper<NotificationLog> {
+}
diff --git a/src/main/java/cn/rosercode/finance/notification/AbstractHttpNotificationSender.java b/src/main/java/cn/rosercode/finance/notification/AbstractHttpNotificationSender.java
new file mode 100644
index 0000000..e9e3aa3
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/notification/AbstractHttpNotificationSender.java
@@ -0,0 +1,160 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.common.BusinessException;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.databind.ObjectMapper;
+
+import java.io.IOException;
+import java.net.URI;
+import java.net.URLEncoder;
+import java.net.http.HttpClient;
+import java.net.http.HttpRequest;
+import java.net.http.HttpResponse;
+import java.nio.charset.StandardCharsets;
+import java.time.Duration;
+import java.util.Map;
+
+/**
+ * HTTP 通知发送器抽象基类。
+ *
+ * <p>封装基于 Webhook 的渠道共用的 JSON / 表单 POST 调用与常用取值方法。</p>
+ *
+ * @date 2026-09-18 12:37:34
+ */
+public abstract class AbstractHttpNotificationSender implements NotificationSender {
+
+    /** 连接超时时间 */
+    private static final Duration CONNECT_TIMEOUT = Duration.ofSeconds(10);
+
+    /** 请求超时时间 */
+    private static final Duration REQUEST_TIMEOUT = Duration.ofSeconds(20);
+
+    /** 错误信息中保留的响应体最大长度 */
+    private static final int ERROR_BODY_LIMIT = 300;
+
+    /** JSON 映射器，供子类解析响应使用 */
+    protected final ObjectMapper objectMapper;
+
+    private final HttpClient httpClient;
+
+    protected AbstractHttpNotificationSender(ObjectMapper objectMapper) {
+        this.objectMapper = objectMapper;
+        this.httpClient = HttpClient.newBuilder().connectTimeout(CONNECT_TIMEOUT).build();
+    }
+
+    /**
+     * 以 JSON 形式发送 POST 请求。
+     *
+     * @param url  请求地址
+     * @param body 请求体对象
+     * @return 响应体字符串
+     */
+    protected String postJson(String url, Object body) {
+        String json;
+        try {
+            json = objectMapper.writeValueAsString(body);
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("构建通知请求失败：" + e.getMessage());
+        }
+
+        HttpRequest request = HttpRequest.newBuilder(URI.create(url))
+                .timeout(REQUEST_TIMEOUT)
+                .header("Content-Type", "application/json")
+                .POST(HttpRequest.BodyPublishers.ofString(json, StandardCharsets.UTF_8))
+                .build();
+        return execute(request);
+    }
+
+    /**
+     * 以表单形式发送 POST 请求（application/x-www-form-urlencoded）。
+     *
+     * @param url  请求地址
+     * @param form 表单参数
+     * @return 响应体字符串
+     */
+    protected String postForm(String url, Map<String, String> form) {
+        StringBuilder body = new StringBuilder();
+        for (Map.Entry<String, String> entry : form.entrySet()) {
+            if (body.length() > 0) {
+                body.append('&');
+            }
+            body.append(URLEncoder.encode(entry.getKey(), StandardCharsets.UTF_8))
+                    .append('=')
+                    .append(URLEncoder.encode(entry.getValue() == null ? "" : entry.getValue(),
+                            StandardCharsets.UTF_8));
+        }
+
+        HttpRequest request = HttpRequest.newBuilder(URI.create(url))
+                .timeout(REQUEST_TIMEOUT)
+                .header("Content-Type", "application/x-www-form-urlencoded; charset=UTF-8")
+                .POST(HttpRequest.BodyPublishers.ofString(body.toString(), StandardCharsets.UTF_8))
+                .build();
+        return execute(request);
+    }
+
+    /**
+     * 执行 HTTP 请求并校验响应状态码。
+     *
+     * @param request 请求对象
+     * @return 响应体字符串
+     */
+    private String execute(HttpRequest request) {
+        try {
+            HttpResponse<String> response = httpClient.send(request,
+                    HttpResponse.BodyHandlers.ofString(StandardCharsets.UTF_8));
+            if (response.statusCode() < 200 || response.statusCode() >= 300) {
+                throw new BusinessException("通知请求返回异常(" + response.statusCode() + ")：" + truncate(response.body()));
+            }
+            return response.body();
+        } catch (IOException e) {
+            throw new BusinessException("发送通知失败：" + describe(e));
+        } catch (InterruptedException e) {
+            Thread.currentThread().interrupt();
+            throw new BusinessException("发送通知被中断");
+        }
+    }
+
+    /**
+     * 提取异常描述，消息为空时回退到异常类名。
+     *
+     * @param e 异常
+     * @return 异常描述
+     */
+    private String describe(Exception e) {
+        return e.getMessage() == null || e.getMessage().isBlank()
+                ? e.getClass().getSimpleName() : e.getMessage();
+    }
+
+    /**
+     * 截断过长的响应体，避免错误信息过长。
+     *
+     * @param body 响应体
+     * @return 截断后的字符串
+     */
+    protected String truncate(String body) {
+        if (body == null) {
+            return "";
+        }
+        return body.length() <= ERROR_BODY_LIMIT ? body : body.substring(0, ERROR_BODY_LIMIT) + "...";
+    }
+
+    /**
+     * 将配置值转为字符串。
+     *
+     * @param value 配置值
+     * @return 字符串，null 时返回 null
+     */
+    protected String asString(Object value) {
+        return value == null ? null : String.valueOf(value);
+    }
+
+    /**
+     * 判断字符串是否为空白。
+     *
+     * @param value 待判断字符串
+     * @return 为 null 或全空白时返回 true
+     */
+    protected boolean isBlank(String value) {
+        return value == null || value.isBlank();
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/notification/EmailNotificationSender.java b/src/main/java/cn/rosercode/finance/notification/EmailNotificationSender.java
new file mode 100644
index 0000000..97b5780
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/notification/EmailNotificationSender.java
@@ -0,0 +1,147 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.enums.NotificationChannelType;
+import jakarta.mail.MessagingException;
+import jakarta.mail.internet.MimeMessage;
+import org.springframework.mail.MailException;
+import org.springframework.mail.javamail.JavaMailSenderImpl;
+import org.springframework.mail.javamail.MimeMessageHelper;
+import org.springframework.stereotype.Component;
+
+import java.util.Map;
+import java.util.Properties;
+
+/**
+ * 邮箱通知发送器，通过 SMTP 发送纯文本邮件（兼容 QQ 邮箱）。
+ *
+ * <p>SMTP 参数来自用户配置，因此每次发送动态构建 {@link JavaMailSenderImpl}，
+ * 不依赖全局邮件配置。QQ 邮箱默认使用 465 端口并开启 SSL。</p>
+ *
+ * @date 2026-09-18 12:37:41
+ */
+@Component
+public class EmailNotificationSender implements NotificationSender {
+
+    /** 默认 SMTP 主机（QQ 邮箱） */
+    private static final String DEFAULT_HOST = "smtp.qq.com";
+
+    /** 默认 SMTP 端口 */
+    private static final int DEFAULT_PORT = 465;
+
+    @Override
+    public NotificationChannelType type() {
+        return NotificationChannelType.EMAIL;
+    }
+
+    @Override
+    public void send(Map<String, Object> config, String title, String content) {
+        String host = stringOrDefault(config.get("smtpHost"), DEFAULT_HOST);
+        int port = intOrDefault(config.get("smtpPort"), DEFAULT_PORT);
+        String username = asString(config.get("username"));
+        String password = asString(config.get("password"));
+        String to = stringOrDefault(config.get("to"), username);
+        boolean ssl = booleanOrDefault(config.get("ssl"), true);
+
+        if (isBlank(username) || isBlank(password)) {
+            throw new BusinessException("请配置邮箱账号与授权码");
+        }
+        if (isBlank(to)) {
+            throw new BusinessException("请配置收件人邮箱");
+        }
+
+        JavaMailSenderImpl sender = new JavaMailSenderImpl();
+        sender.setHost(host);
+        sender.setPort(port);
+        sender.setUsername(username);
+        sender.setPassword(password);
+        sender.setDefaultEncoding("UTF-8");
+
+        Properties props = sender.getJavaMailProperties();
+        props.put("mail.transport.protocol", "smtp");
+        props.put("mail.smtp.auth", "true");
+        props.put("mail.smtp.ssl.enable", String.valueOf(ssl));
+        props.put("mail.smtp.connectiontimeout", "10000");
+        props.put("mail.smtp.timeout", "10000");
+        props.put("mail.smtp.writetimeout", "10000");
+
+        try {
+            MimeMessage message = sender.createMimeMessage();
+            MimeMessageHelper helper = new MimeMessageHelper(message, false, "UTF-8");
+            helper.setFrom(username);
+            helper.setTo(to);
+            helper.setSubject(title);
+            helper.setText(content, false);
+            sender.send(message);
+        } catch (MessagingException | MailException e) {
+            throw new BusinessException("邮件发送失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 将配置值转为字符串。
+     *
+     * @param value 配置值
+     * @return 字符串，null 时返回 null
+     */
+    private String asString(Object value) {
+        return value == null ? null : String.valueOf(value);
+    }
+
+    /**
+     * 取字符串配置，为空时使用默认值。
+     *
+     * @param value        配置值
+     * @param defaultValue 默认值
+     * @return 结果字符串
+     */
+    private String stringOrDefault(Object value, String defaultValue) {
+        String text = asString(value);
+        return isBlank(text) ? defaultValue : text.trim();
+    }
+
+    /**
+     * 取整数配置，为空或非法时使用默认值。
+     *
+     * @param value        配置值
+     * @param defaultValue 默认值
+     * @return 结果整数
+     */
+    private int intOrDefault(Object value, int defaultValue) {
+        if (value == null) {
+            return defaultValue;
+        }
+        try {
+            return Integer.parseInt(String.valueOf(value).trim());
+        } catch (NumberFormatException e) {
+            return defaultValue;
+        }
+    }
+
+    /**
+     * 取布尔配置，为空时使用默认值。
+     *
+     * @param value        配置值
+     * @param defaultValue 默认值
+     * @return 结果布尔值
+     */
+    private boolean booleanOrDefault(Object value, boolean defaultValue) {
+        if (value == null) {
+            return defaultValue;
+        }
+        if (value instanceof Boolean bool) {
+            return bool;
+        }
+        return Boolean.parseBoolean(String.valueOf(value));
+    }
+
+    /**
+     * 判断字符串是否为空白。
+     *
+     * @param value 待判断字符串
+     * @return 为 null 或全空白时返回 true
+     */
+    private boolean isBlank(String value) {
+        return value == null || value.isBlank();
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/notification/NotificationSender.java b/src/main/java/cn/rosercode/finance/notification/NotificationSender.java
new file mode 100644
index 0000000..30399c4
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/notification/NotificationSender.java
@@ -0,0 +1,32 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.enums.NotificationChannelType;
+
+import java.util.Map;
+
+/**
+ * 通知发送器接口，定义不同渠道的消息推送能力。
+ *
+ * <p>各实现类负责将标题与正文转换为对应渠道的消息格式并发送。渠道的配置
+ * （如 webhook 地址、SMTP 账号）由调用方解析为 Map 后传入。</p>
+ *
+ * @date 2026-09-18 12:37:22
+ */
+public interface NotificationSender {
+
+    /**
+     * 返回该发送器支持的渠道类型。
+     *
+     * @return 渠道类型
+     */
+    NotificationChannelType type();
+
+    /**
+     * 发送一条通知消息。
+     *
+     * @param config  渠道配置
+     * @param title   消息标题
+     * @param content 消息正文
+     */
+    void send(Map<String, Object> config, String title, String content);
+}
diff --git a/src/main/java/cn/rosercode/finance/notification/NotificationSenderFactory.java b/src/main/java/cn/rosercode/finance/notification/NotificationSenderFactory.java
new file mode 100644
index 0000000..eda15b4
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/notification/NotificationSenderFactory.java
@@ -0,0 +1,52 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.enums.NotificationChannelType;
+import org.springframework.stereotype.Component;
+
+import java.util.EnumMap;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * 通知发送器工厂，按渠道类型分发到对应的发送器实现。
+ *
+ * @date 2026-09-18 12:37:23
+ */
+@Component
+public class NotificationSenderFactory {
+
+    private final Map<NotificationChannelType, NotificationSender> senders = new EnumMap<>(NotificationChannelType.class);
+
+    /**
+     * 构造方法，收集容器中所有发送器实现。
+     *
+     * @param senderList 发送器列表
+     */
+    public NotificationSenderFactory(List<NotificationSender> senderList) {
+        for (NotificationSender sender : senderList) {
+            senders.put(sender.type(), sender);
+        }
+    }
+
+    /**
+     * 根据渠道类型获取发送器。
+     *
+     * @param type 渠道类型
+     * @return 对应的发送器
+     * @throws BusinessException 类型不支持时抛出
+     */
+    public NotificationSender get(String type) {
+        NotificationChannelType channelType;
+        try {
+            channelType = NotificationChannelType.valueOf(type);
+        } catch (IllegalArgumentException | NullPointerException e) {
+            throw new BusinessException("不支持的通知渠道类型：" + type);
+        }
+        NotificationSender sender = senders.get(channelType);
+        if (sender == null) {
+            throw new BusinessException("不支持的通知渠道类型：" + type);
+        }
+        return sender;
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/notification/ServerChanNotificationSender.java b/src/main/java/cn/rosercode/finance/notification/ServerChanNotificationSender.java
new file mode 100644
index 0000000..f7d7e8f
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/notification/ServerChanNotificationSender.java
@@ -0,0 +1,73 @@
+package cn.rosercode.finance.notification;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.enums.NotificationChannelType;
+import com.fasterxml.jackson.core.JsonProcessingException;
+import com.fasterxml.jackson.databind.JsonNode;
+import com.fasterxml.jackson.databind.ObjectMapper;
+import org.springframework.stereotype.Component;
+
+import java.util.LinkedHashMap;
+import java.util.Map;
+
+/**
+ * Server 酱通知发送器，通过 Server 酱 Turbo 接口将消息推送到个人微信。
+ *
+ * <p>用户只需在 sct.ftqq.com 获取 SendKey，消息以表单形式提交到
+ * {@code https://sctapi.ftqq.com/{sendKey}.send}，由 Server 酱转发到微信。</p>
+ *
+ * @date 2026-09-18 12:58:53
+ */
+@Component
+public class ServerChanNotificationSender extends AbstractHttpNotificationSender {
+
+    /** Server 酱 Turbo 接口地址 */
+    private static final String DEFAULT_BASE_URL = "https://sctapi.ftqq.com";
+
+    public ServerChanNotificationSender(ObjectMapper objectMapper) {
+        super(objectMapper);
+    }
+
+    @Override
+    public NotificationChannelType type() {
+        return NotificationChannelType.SERVERCHAN;
+    }
+
+    @Override
+    public void send(Map<String, Object> config, String title, String content) {
+        String sendKey = asString(config.get("sendKey"));
+        if (isBlank(sendKey)) {
+            throw new BusinessException("请配置 Server 酱 SendKey");
+        }
+        String baseUrl = asString(config.get("baseUrl"));
+        if (isBlank(baseUrl)) {
+            baseUrl = DEFAULT_BASE_URL;
+        }
+        // 兼容以斜杠结尾的自定义地址
+        String url = (baseUrl.endsWith("/") ? baseUrl.substring(0, baseUrl.length() - 1) : baseUrl)
+                + "/" + sendKey.trim() + ".send";
+
+        Map<String, String> form = new LinkedHashMap<>();
+        form.put("title", title);
+        form.put("desp", content);
+
+        checkResponse(postForm(url, form));
+    }
+
+    /**
+     * 校验 Server 酱响应，code 非 0 视为失败。
+     *
+     * @param response 响应体
+     */
+    private void checkResponse(String response) {
+        try {
+            JsonNode root = objectMapper.readTree(response);
+            int code = root.path("code").asInt(0);
+            if (code != 0) {
+                throw new BusinessException("Server 酱返回失败：" + root.path("message").asText(""));
+            }
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("解析 Server 酱响应失败：" + e.getMessage());
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/scheduler/NotificationScheduler.java b/src/main/java/cn/rosercode/finance/scheduler/NotificationScheduler.java
new file mode 100644
index 0000000..78d8e7a
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/scheduler/NotificationScheduler.java
@@ -0,0 +1,169 @@
+package cn.rosercode.finance.scheduler;
+
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.entity.NotificationConfig;
+import cn.rosercode.finance.enums.NotificationFrequency;
+import cn.rosercode.finance.mapper.NotificationConfigMapper;
+import cn.rosercode.finance.service.NotificationChannelService;
+import cn.rosercode.finance.service.NotificationService;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.springframework.scheduling.annotation.Scheduled;
+import org.springframework.stereotype.Component;
+
+import java.time.LocalDate;
+import java.time.LocalDateTime;
+import java.time.LocalTime;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeParseException;
+import java.util.List;
+
+/**
+ * 通知调度器。
+ *
+ * <p>每分钟检查一次已启用的通知配置，当到达用户设定的提醒周期且本周期尚未发送时，
+ * 向该用户所有已启用的渠道推送账单导入提醒，并更新最近发送时间。</p>
+ *
+ * @date 2026-09-18 12:38:30
+ */
+@Component
+public class NotificationScheduler {
+
+    private static final Logger log = LoggerFactory.getLogger(NotificationScheduler.class);
+
+    /** 时间格式 */
+    private static final DateTimeFormatter TIME_FORMATTER = DateTimeFormatter.ofPattern("HH:mm");
+
+    /** 默认提醒时间 */
+    private static final LocalTime DEFAULT_TIME = LocalTime.of(9, 0);
+
+    private final NotificationConfigMapper notificationConfigMapper;
+    private final NotificationChannelService notificationChannelService;
+    private final NotificationService notificationService;
+
+    public NotificationScheduler(NotificationConfigMapper notificationConfigMapper,
+                                 NotificationChannelService notificationChannelService,
+                                 NotificationService notificationService) {
+        this.notificationConfigMapper = notificationConfigMapper;
+        this.notificationChannelService = notificationChannelService;
+        this.notificationService = notificationService;
+    }
+
+    /**
+     * 定时检查并发送提醒。
+     *
+     * <p>固定延迟 60 秒，启动后延迟 30 秒执行首次检查。整体异常仅记录调试日志，
+     * 避免数据库尚未配置时刷屏。</p>
+     */
+    @Scheduled(fixedDelay = 60_000L, initialDelay = 30_000L)
+    public void checkAndSend() {
+        List<NotificationConfig> configs;
+        try {
+            configs = notificationConfigMapper.selectList(new LambdaQueryWrapper<NotificationConfig>()
+                    .eq(NotificationConfig::getEnabled, true));
+        } catch (Exception e) {
+            log.debug("跳过通知调度，读取配置失败：{}", e.getMessage());
+            return;
+        }
+
+        LocalDateTime now = LocalDateTime.now();
+        for (NotificationConfig config : configs) {
+            try {
+                dispatchIfDue(config, now);
+            } catch (Exception e) {
+                log.warn("处理用户 {} 的账单提醒失败：{}", config.getUserId(), e.getMessage());
+            }
+        }
+    }
+
+    /**
+     * 判断并执行单个用户的通知发送。
+     *
+     * @param config 通知配置
+     * @param now    当前时间
+     */
+    private void dispatchIfDue(NotificationConfig config, LocalDateTime now) {
+        if (!isDue(config, now)) {
+            return;
+        }
+        List<NotificationChannel> channels = notificationChannelService.listEnabledChannels(config.getUserId());
+        if (channels.isEmpty()) {
+            // 无可用渠道时不更新最近发送时间，待用户配置后仍可在本周期触发
+            return;
+        }
+        notificationService.sendToChannels(config.getUserId(), channels,
+                NotificationService.REMINDER_TITLE, notificationService.buildReminderContent());
+        config.setLastSentAt(now);
+        notificationConfigMapper.updateById(config);
+        log.info("已向用户 {} 的 {} 个渠道发送账单导入提醒", config.getUserId(), channels.size());
+    }
+
+    /**
+     * 判断当前时间是否已到达本周期提醒时间且尚未发送。
+     *
+     * @param config 通知配置
+     * @param now    当前时间
+     * @return 需要发送时返回 true
+     */
+    boolean isDue(NotificationConfig config, LocalDateTime now) {
+        LocalDateTime due = computeLatestDueTime(config, now);
+        LocalDateTime lastSent = config.getLastSentAt();
+        return lastSent == null || lastSent.isBefore(due);
+    }
+
+    /**
+     * 计算当前时间之前最近的一个触发时间点。
+     *
+     * @param config 通知配置
+     * @param now    当前时间
+     * @return 最近的触发时间点
+     */
+    LocalDateTime computeLatestDueTime(NotificationConfig config, LocalDateTime now) {
+        LocalTime time = parseTime(config.getSendTime());
+        String frequency = config.getFrequency() == null
+                ? NotificationFrequency.MONTHLY.name() : config.getFrequency();
+
+        switch (frequency) {
+            case "DAILY": {
+                LocalDateTime today = now.toLocalDate().atTime(time);
+                return now.isBefore(today) ? today.minusDays(1) : today;
+            }
+            case "WEEKLY": {
+                int target = config.getDayOfWeek() == null ? 1 : config.getDayOfWeek();
+                LocalDate date = now.toLocalDate();
+                int diff = (date.getDayOfWeek().getValue() - target + 7) % 7;
+                LocalDateTime candidate = date.minusDays(diff).atTime(time);
+                return candidate.isAfter(now) ? candidate.minusWeeks(1) : candidate;
+            }
+            case "MONTHLY":
+            default: {
+                int target = config.getDayOfMonth() == null ? 1 : config.getDayOfMonth();
+                LocalDate date = now.toLocalDate();
+                LocalDateTime candidate = date.withDayOfMonth(Math.min(target, date.lengthOfMonth())).atTime(time);
+                if (candidate.isAfter(now)) {
+                    LocalDate previous = date.minusMonths(1);
+                    candidate = previous.withDayOfMonth(Math.min(target, previous.lengthOfMonth())).atTime(time);
+                }
+                return candidate;
+            }
+        }
+    }
+
+    /**
+     * 解析提醒时间，非法时回退默认值。
+     *
+     * @param sendTime 时间字符串
+     * @return 提醒时间
+     */
+    private LocalTime parseTime(String sendTime) {
+        if (sendTime == null || sendTime.isBlank()) {
+            return DEFAULT_TIME;
+        }
+        try {
+            return LocalTime.parse(sendTime, TIME_FORMATTER);
+        } catch (DateTimeParseException e) {
+            return DEFAULT_TIME;
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/service/NotificationChannelService.java b/src/main/java/cn/rosercode/finance/service/NotificationChannelService.java
new file mode 100644
index 0000000..dc0f92a
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/NotificationChannelService.java
@@ -0,0 +1,66 @@
+package cn.rosercode.finance.service;
+
+import cn.rosercode.finance.dto.NotificationChannelRequest;
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.vo.NotificationChannelVO;
+
+import java.util.List;
+
+/**
+ * 通知渠道服务接口，负责用户消息推送渠道的增删改查。
+ *
+ * @date 2026-09-18 12:37:49
+ */
+public interface NotificationChannelService {
+
+    /**
+     * 查询当前用户的所有通知渠道。
+     *
+     * @param userId 用户ID
+     * @return 渠道视图对象列表
+     */
+    List<NotificationChannelVO> listChannels(Long userId);
+
+    /**
+     * 新增通知渠道。
+     *
+     * @param userId  用户ID
+     * @param request 渠道保存请求
+     * @return 新渠道ID
+     */
+    Long createChannel(Long userId, NotificationChannelRequest request);
+
+    /**
+     * 修改通知渠道。
+     *
+     * @param userId    用户ID
+     * @param channelId 渠道ID
+     * @param request   渠道保存请求
+     */
+    void updateChannel(Long userId, Long channelId, NotificationChannelRequest request);
+
+    /**
+     * 删除通知渠道。
+     *
+     * @param userId    用户ID
+     * @param channelId 渠道ID
+     */
+    void deleteChannel(Long userId, Long channelId);
+
+    /**
+     * 获取指定渠道原始实体，并校验归属。
+     *
+     * @param userId    用户ID
+     * @param channelId 渠道ID
+     * @return 渠道实体
+     */
+    NotificationChannel getRawChannel(Long userId, Long channelId);
+
+    /**
+     * 查询当前用户所有已启用的通知渠道，供调度发送使用。
+     *
+     * @param userId 用户ID
+     * @return 已启用的渠道实体列表
+     */
+    List<NotificationChannel> listEnabledChannels(Long userId);
+}
diff --git a/src/main/java/cn/rosercode/finance/service/NotificationConfigService.java b/src/main/java/cn/rosercode/finance/service/NotificationConfigService.java
new file mode 100644
index 0000000..9fabbd5
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/NotificationConfigService.java
@@ -0,0 +1,37 @@
+package cn.rosercode.finance.service;
+
+import cn.rosercode.finance.dto.NotificationConfigRequest;
+import cn.rosercode.finance.entity.NotificationConfig;
+import cn.rosercode.finance.vo.NotificationConfigVO;
+
+/**
+ * 通知配置服务接口，负责账单导入提醒周期的读写。
+ *
+ * @date 2026-09-18 12:37:48
+ */
+public interface NotificationConfigService {
+
+    /**
+     * 获取当前用户的通知配置，未配置时返回默认值。
+     *
+     * @param userId 用户ID
+     * @return 通知配置视图对象
+     */
+    NotificationConfigVO getConfig(Long userId);
+
+    /**
+     * 保存当前用户的通知配置。
+     *
+     * @param userId  用户ID
+     * @param request 配置保存请求
+     */
+    void saveConfig(Long userId, NotificationConfigRequest request);
+
+    /**
+     * 获取通知配置原始实体，供调度器使用。
+     *
+     * @param userId 用户ID
+     * @return 通知配置实体，未配置时返回 null
+     */
+    NotificationConfig getRawConfig(Long userId);
+}
diff --git a/src/main/java/cn/rosercode/finance/service/NotificationService.java b/src/main/java/cn/rosercode/finance/service/NotificationService.java
new file mode 100644
index 0000000..29de273
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/NotificationService.java
@@ -0,0 +1,62 @@
+package cn.rosercode.finance.service;
+
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.vo.NotificationLogVO;
+
+import java.util.List;
+
+/**
+ * 通知发送服务接口，负责消息的实际推送与发送日志记录。
+ *
+ * @date 2026-09-18 12:37:50
+ */
+public interface NotificationService {
+
+    /** 账单导入提醒的消息标题 */
+    String REMINDER_TITLE = "账单导入提醒";
+
+    /** 账单导入提醒的消息正文 */
+    String REMINDER_CONTENT = "到了整理账单的时间，请及时导出并导入最新的账单，保持账目完整。";
+
+    /**
+     * 构建账单导入提醒正文，配置了站点地址时附加账单上传页链接。
+     *
+     * @return 提醒正文
+     */
+    String buildReminderContent();
+
+    /**
+     * 向指定渠道发送一条测试消息。
+     *
+     * @param userId    用户ID
+     * @param channelId 渠道ID
+     */
+    void sendTest(Long userId, Long channelId);
+
+    /**
+     * 立即向当前用户所有已启用渠道发送账单导入提醒。
+     *
+     * @param userId 用户ID
+     * @return 发送成功的渠道数
+     */
+    int sendReminderNow(Long userId);
+
+    /**
+     * 向给定渠道列表发送提醒消息并记录日志。
+     *
+     * @param userId   用户ID
+     * @param channels 渠道列表
+     * @param title    消息标题
+     * @param content  消息正文
+     */
+    void sendToChannels(Long userId, List<NotificationChannel> channels, String title, String content);
+
+    /**
+     * 查询当前用户最近的发送日志。
+     *
+     * @param userId 用户ID
+     * @param limit  条数上限
+     * @return 日志视图对象列表
+     */
+    List<NotificationLogVO> listLogs(Long userId, int limit);
+}
diff --git a/src/main/java/cn/rosercode/finance/service/impl/NotificationChannelServiceImpl.java b/src/main/java/cn/rosercode/finance/service/impl/NotificationChannelServiceImpl.java
new file mode 100644
index 0000000..1d85d7e
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/impl/NotificationChannelServiceImpl.java
@@ -0,0 +1,233 @@
+package cn.rosercode.finance.service.impl;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.dto.NotificationChannelRequest;
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.enums.NotificationChannelType;
+import cn.rosercode.finance.mapper.NotificationChannelMapper;
+import cn.rosercode.finance.service.NotificationChannelService;
+import cn.rosercode.finance.vo.NotificationChannelVO;
+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 org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * 通知渠道服务实现类，处理用户消息推送渠道的增删改查与配置脱敏。
+ *
+ * @date 2026-09-18 12:38:09
+ */
+@Service
+public class NotificationChannelServiceImpl implements NotificationChannelService {
+
+    private final NotificationChannelMapper notificationChannelMapper;
+    private final ObjectMapper objectMapper;
+
+    public NotificationChannelServiceImpl(NotificationChannelMapper notificationChannelMapper,
+                                          ObjectMapper objectMapper) {
+        this.notificationChannelMapper = notificationChannelMapper;
+        this.objectMapper = objectMapper;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<NotificationChannelVO> listChannels(Long userId) {
+        List<NotificationChannel> channels = notificationChannelMapper.selectList(
+                new LambdaQueryWrapper<NotificationChannel>()
+                        .eq(NotificationChannel::getUserId, userId)
+                        .orderByAsc(NotificationChannel::getId));
+        return channels.stream().map(this::toVO).toList();
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public Long createChannel(Long userId, NotificationChannelRequest request) {
+        String type = validateType(request.getType());
+        NotificationChannel channel = new NotificationChannel();
+        channel.setUserId(userId);
+        channel.setType(type);
+        channel.setName(resolveName(request.getName(), type));
+        channel.setEnabled(request.getEnabled() == null || request.getEnabled());
+        channel.setConfig(mergeConfig(request.getConfig(), null));
+        notificationChannelMapper.insert(channel);
+        return channel.getId();
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * EMAIL 渠道的密码留空时保留原值；渠道类型变更时不再沿用旧配置。
+     */
+    @Override
+    @Transactional
+    public void updateChannel(Long userId, Long channelId, NotificationChannelRequest request) {
+        NotificationChannel channel = getRawChannel(userId, channelId);
+        String type = validateType(request.getType());
+        String oldConfig = type.equals(channel.getType()) ? channel.getConfig() : null;
+        channel.setType(type);
+        channel.setName(resolveName(request.getName(), type));
+        if (request.getEnabled() != null) {
+            channel.setEnabled(request.getEnabled());
+        }
+        channel.setConfig(mergeConfig(request.getConfig(), oldConfig));
+        notificationChannelMapper.updateById(channel);
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    @Transactional
+    public void deleteChannel(Long userId, Long channelId) {
+        getRawChannel(userId, channelId);
+        notificationChannelMapper.deleteById(channelId);
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public NotificationChannel getRawChannel(Long userId, Long channelId) {
+        NotificationChannel channel = notificationChannelMapper.selectById(channelId);
+        if (channel == null || !channel.getUserId().equals(userId)) {
+            throw new BusinessException("通知渠道不存在");
+        }
+        return channel;
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<NotificationChannel> listEnabledChannels(Long userId) {
+        return notificationChannelMapper.selectList(new LambdaQueryWrapper<NotificationChannel>()
+                .eq(NotificationChannel::getUserId, userId)
+                .eq(NotificationChannel::getEnabled, true)
+                .orderByAsc(NotificationChannel::getId));
+    }
+
+    /**
+     * 转换为视图对象，移除邮箱密码并标记是否已配置。
+     *
+     * @param channel 渠道实体
+     * @return 渠道视图对象
+     */
+    private NotificationChannelVO toVO(NotificationChannel channel) {
+        NotificationChannelVO vo = new NotificationChannelVO();
+        vo.setId(channel.getId());
+        vo.setType(channel.getType());
+        vo.setName(channel.getName());
+        vo.setEnabled(Boolean.TRUE.equals(channel.getEnabled()));
+        vo.setCreatedAt(channel.getCreatedAt());
+        vo.setUpdatedAt(channel.getUpdatedAt());
+
+        Map<String, Object> config = parseConfig(channel.getConfig());
+        Object password = config.remove("password");
+        vo.setHasPassword(password != null && !String.valueOf(password).isBlank());
+        vo.setConfig(config);
+        return vo;
+    }
+
+    /**
+     * 校验渠道类型。
+     *
+     * @param type 渠道类型
+     * @return 规范化后的类型名称
+     */
+    private String validateType(String type) {
+        if (type == null || type.isBlank()) {
+            throw new BusinessException("请选择通知渠道类型");
+        }
+        try {
+            return NotificationChannelType.valueOf(type.trim().toUpperCase()).name();
+        } catch (IllegalArgumentException e) {
+            throw new BusinessException("不支持的通知渠道类型：" + type);
+        }
+    }
+
+    /**
+     * 解析渠道名称，为空时按类型给出默认名称。
+     *
+     * @param name 用户填写名称
+     * @param type 渠道类型
+     * @return 渠道名称
+     */
+    private String resolveName(String name, String type) {
+        if (name != null && !name.isBlank()) {
+            return name.trim();
+        }
+        return switch (NotificationChannelType.valueOf(type)) {
+            case EMAIL -> "邮箱";
+            case SERVERCHAN -> "Server 酱";
+        };
+    }
+
+    /**
+     * 合并新旧渠道配置：新值覆盖旧值，邮箱密码为空时不覆盖。
+     *
+     * @param newConfig 新配置
+     * @param oldJson   旧配置 JSON
+     * @return 合并后的配置 JSON
+     */
+    private String mergeConfig(Map<String, Object> newConfig, String oldJson) {
+        Map<String, Object> merged = new LinkedHashMap<>();
+        if (oldJson != null && !oldJson.isBlank()) {
+            merged.putAll(parseConfig(oldJson));
+        }
+        if (newConfig != null) {
+            for (Map.Entry<String, Object> entry : newConfig.entrySet()) {
+                String key = entry.getKey();
+                Object value = entry.getValue();
+                // 密码留空表示保留原值
+                if ("password".equals(key) && (value == null || String.valueOf(value).isBlank())) {
+                    continue;
+                }
+                merged.put(key, value);
+            }
+        }
+        return writeConfig(merged);
+    }
+
+    /**
+     * 解析配置 JSON。
+     *
+     * @param json 配置 JSON
+     * @return 配置映射，解析失败或为空时返回空映射
+     */
+    private Map<String, Object> parseConfig(String json) {
+        if (json == null || json.isBlank()) {
+            return new LinkedHashMap<>();
+        }
+        try {
+            return objectMapper.readValue(json, new TypeReference<LinkedHashMap<String, Object>>() {
+            });
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("解析渠道配置失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 序列化配置映射为 JSON。
+     *
+     * @param config 配置映射
+     * @return 配置 JSON
+     */
+    private String writeConfig(Map<String, Object> config) {
+        try {
+            return objectMapper.writeValueAsString(config);
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("保存渠道配置失败：" + e.getMessage());
+        }
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/service/impl/NotificationConfigServiceImpl.java b/src/main/java/cn/rosercode/finance/service/impl/NotificationConfigServiceImpl.java
new file mode 100644
index 0000000..eb5431a
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/impl/NotificationConfigServiceImpl.java
@@ -0,0 +1,166 @@
+package cn.rosercode.finance.service.impl;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.dto.NotificationConfigRequest;
+import cn.rosercode.finance.entity.NotificationConfig;
+import cn.rosercode.finance.enums.NotificationFrequency;
+import cn.rosercode.finance.mapper.NotificationConfigMapper;
+import cn.rosercode.finance.service.NotificationConfigService;
+import cn.rosercode.finance.vo.NotificationConfigVO;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
+import org.springframework.stereotype.Service;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.time.LocalDateTime;
+import java.time.LocalTime;
+import java.time.format.DateTimeFormatter;
+import java.time.format.DateTimeParseException;
+
+/**
+ * 通知配置服务实现类，处理用户级账单导入提醒周期的读写。
+ *
+ * @date 2026-09-18 12:38:01
+ */
+@Service
+public class NotificationConfigServiceImpl implements NotificationConfigService {
+
+    /** 默认提醒周期：每月 */
+    private static final String DEFAULT_FREQUENCY = NotificationFrequency.MONTHLY.name();
+
+    /** 默认每月提醒日 */
+    private static final int DEFAULT_DAY_OF_MONTH = 1;
+
+    /** 默认每周提醒日（周一） */
+    private static final int DEFAULT_DAY_OF_WEEK = 1;
+
+    /** 默认提醒时间 */
+    private static final String DEFAULT_SEND_TIME = "09:00";
+
+    /** 时间格式 */
+    private static final DateTimeFormatter TIME_FORMATTER = DateTimeFormatter.ofPattern("HH:mm");
+
+    private final NotificationConfigMapper notificationConfigMapper;
+
+    public NotificationConfigServiceImpl(NotificationConfigMapper notificationConfigMapper) {
+        this.notificationConfigMapper = notificationConfigMapper;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 未配置时返回默认值：每月 1 日 09:00 提醒，关闭状态。
+     */
+    @Override
+    public NotificationConfigVO getConfig(Long userId) {
+        NotificationConfig config = getRawConfig(userId);
+        NotificationConfigVO vo = new NotificationConfigVO();
+        if (config == null) {
+            vo.setEnabled(false);
+            vo.setFrequency(DEFAULT_FREQUENCY);
+            vo.setDayOfMonth(DEFAULT_DAY_OF_MONTH);
+            vo.setDayOfWeek(DEFAULT_DAY_OF_WEEK);
+            vo.setSendTime(DEFAULT_SEND_TIME);
+            return vo;
+        }
+        vo.setEnabled(Boolean.TRUE.equals(config.getEnabled()));
+        vo.setFrequency(config.getFrequency());
+        vo.setDayOfMonth(config.getDayOfMonth());
+        vo.setDayOfWeek(config.getDayOfWeek());
+        vo.setSendTime(config.getSendTime());
+        vo.setLastSentAt(config.getLastSentAt());
+        return vo;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 校验周期、日期与时间；从关闭切到启用时重置最近发送时间，避免保存后立即补发。
+     */
+    @Override
+    @Transactional
+    public void saveConfig(Long userId, NotificationConfigRequest request) {
+        NotificationConfig config = getRawConfig(userId);
+        boolean wasEnabled = config != null && Boolean.TRUE.equals(config.getEnabled());
+        if (config == null) {
+            config = new NotificationConfig();
+            config.setUserId(userId);
+        }
+
+        boolean enabled = Boolean.TRUE.equals(request.getEnabled());
+        config.setEnabled(enabled);
+        config.setFrequency(parseFrequency(request.getFrequency()));
+        config.setDayOfMonth(clamp(request.getDayOfMonth(), DEFAULT_DAY_OF_MONTH, 1, 28));
+        config.setDayOfWeek(clamp(request.getDayOfWeek(), DEFAULT_DAY_OF_WEEK, 1, 7));
+        config.setSendTime(parseTime(request.getSendTime()));
+
+        // 首次启用或重新开启时，将最近发送时间设为当前，避免立即触发历史周期
+        if (enabled && (!wasEnabled || config.getLastSentAt() == null)) {
+            config.setLastSentAt(LocalDateTime.now());
+        }
+
+        if (config.getId() == null) {
+            notificationConfigMapper.insert(config);
+        } else {
+            notificationConfigMapper.updateById(config);
+        }
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public NotificationConfig getRawConfig(Long userId) {
+        return notificationConfigMapper.selectOne(new LambdaQueryWrapper<NotificationConfig>()
+                .eq(NotificationConfig::getUserId, userId));
+    }
+
+    /**
+     * 解析并校验提醒周期。
+     *
+     * @param value 周期字符串
+     * @return 合法的周期名称
+     */
+    private String parseFrequency(String value) {
+        if (value == null || value.isBlank()) {
+            return DEFAULT_FREQUENCY;
+        }
+        try {
+            return NotificationFrequency.valueOf(value.trim().toUpperCase()).name();
+        } catch (IllegalArgumentException e) {
+            throw new BusinessException("不支持的提醒周期：" + value);
+        }
+    }
+
+    /**
+     * 解析并校验提醒时间。
+     *
+     * @param value 时间字符串（HH:mm）
+     * @return 规范化后的时间字符串
+     */
+    private String parseTime(String value) {
+        if (value == null || value.isBlank()) {
+            return DEFAULT_SEND_TIME;
+        }
+        try {
+            return LocalTime.parse(value.trim(), TIME_FORMATTER).format(TIME_FORMATTER);
+        } catch (DateTimeParseException e) {
+            throw new BusinessException("提醒时间格式不正确，应为 HH:mm");
+        }
+    }
+
+    /**
+     * 将数值限制在指定范围内，为空时返回默认值。
+     *
+     * @param value        原值
+     * @param defaultValue 默认值
+     * @param min          最小值
+     * @param max          最大值
+     * @return 限制后的值
+     */
+    private int clamp(Integer value, int defaultValue, int min, int max) {
+        if (value == null) {
+            return defaultValue;
+        }
+        return Math.max(min, Math.min(max, value));
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/service/impl/NotificationServiceImpl.java b/src/main/java/cn/rosercode/finance/service/impl/NotificationServiceImpl.java
new file mode 100644
index 0000000..b7a805e
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/service/impl/NotificationServiceImpl.java
@@ -0,0 +1,234 @@
+package cn.rosercode.finance.service.impl;
+
+import cn.rosercode.finance.common.BusinessException;
+import cn.rosercode.finance.config.app.AppConfigStore;
+import cn.rosercode.finance.entity.NotificationChannel;
+import cn.rosercode.finance.entity.NotificationLog;
+import cn.rosercode.finance.mapper.NotificationLogMapper;
+import cn.rosercode.finance.notification.NotificationSenderFactory;
+import cn.rosercode.finance.service.NotificationChannelService;
+import cn.rosercode.finance.service.NotificationService;
+import cn.rosercode.finance.vo.NotificationLogVO;
+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 org.springframework.stereotype.Service;
+
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * 通知发送服务实现类，负责消息推送编排与发送日志记录。
+ *
+ * @date 2026-09-18 12:38:20
+ */
+@Service
+public class NotificationServiceImpl implements NotificationService {
+
+    /** 日志正文最大长度 */
+    private static final int MESSAGE_LIMIT = 500;
+
+    /** 查询日志的最大条数 */
+    private static final int MAX_LOG_LIMIT = 100;
+
+    /** 测试消息标题 */
+    private static final String TEST_TITLE = "通知渠道测试";
+
+    /** 测试消息正文 */
+    private static final String TEST_CONTENT = "这是一条来自收支管理系统的测试消息，收到即表示该渠道配置成功。";
+
+    private final NotificationChannelService notificationChannelService;
+    private final NotificationLogMapper notificationLogMapper;
+    private final NotificationSenderFactory notificationSenderFactory;
+    private final ObjectMapper objectMapper;
+    private final AppConfigStore appConfigStore;
+
+    public NotificationServiceImpl(NotificationChannelService notificationChannelService,
+                                   NotificationLogMapper notificationLogMapper,
+                                   NotificationSenderFactory notificationSenderFactory,
+                                   ObjectMapper objectMapper,
+                                   AppConfigStore appConfigStore) {
+        this.notificationChannelService = notificationChannelService;
+        this.notificationLogMapper = notificationLogMapper;
+        this.notificationSenderFactory = notificationSenderFactory;
+        this.objectMapper = objectMapper;
+        this.appConfigStore = appConfigStore;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 发送失败时记录日志并抛出异常，便于前端直接提示原因。
+     */
+    @Override
+    public void sendTest(Long userId, Long channelId) {
+        NotificationChannel channel = notificationChannelService.getRawChannel(userId, channelId);
+        try {
+            send(channel, TEST_TITLE, TEST_CONTENT);
+            recordLog(userId, channel, true, "发送成功");
+        } catch (RuntimeException e) {
+            recordLog(userId, channel, false, e.getMessage());
+            throw e;
+        }
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public int sendReminderNow(Long userId) {
+        List<NotificationChannel> channels = notificationChannelService.listEnabledChannels(userId);
+        if (channels.isEmpty()) {
+            throw new BusinessException("请先添加并启用至少一个通知渠道");
+        }
+        String content = buildReminderContent();
+        int success = 0;
+        for (NotificationChannel channel : channels) {
+            if (trySend(userId, channel, REMINDER_TITLE, content)) {
+                success++;
+            }
+        }
+        return success;
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 配置了通知链接地址时，在提醒正文后附加该完整链接，便于用户点击后直接上传账单；
+     * 未配置时退化为原始文案。
+     */
+    @Override
+    public String buildReminderContent() {
+        String linkUrl = appConfigStore.load().getNotificationUrl();
+        if (linkUrl == null || linkUrl.isBlank()) {
+            return REMINDER_CONTENT;
+        }
+        return REMINDER_CONTENT + "\n\n" + linkUrl.trim();
+    }
+
+    /**
+     * {@inheritDoc}
+     *
+     * 单个渠道失败不影响其余渠道，失败原因写入日志。
+     */
+    @Override
+    public void sendToChannels(Long userId, List<NotificationChannel> channels, String title, String content) {
+        for (NotificationChannel channel : channels) {
+            trySend(userId, channel, title, content);
+        }
+    }
+
+    /**
+     * {@inheritDoc}
+     */
+    @Override
+    public List<NotificationLogVO> listLogs(Long userId, int limit) {
+        int safeLimit = Math.max(1, Math.min(MAX_LOG_LIMIT, limit));
+        List<NotificationLog> logs = notificationLogMapper.selectList(new LambdaQueryWrapper<NotificationLog>()
+                .eq(NotificationLog::getUserId, userId)
+                .orderByDesc(NotificationLog::getCreatedAt)
+                .orderByDesc(NotificationLog::getId)
+                .last("LIMIT " + safeLimit));
+        return logs.stream().map(this::toVO).toList();
+    }
+
+    /**
+     * 向单个渠道发送消息并记录日志，失败时返回 false。
+     *
+     * @param userId  用户ID
+     * @param channel 渠道
+     * @param title   标题
+     * @param content 正文
+     * @return 是否发送成功
+     */
+    private boolean trySend(Long userId, NotificationChannel channel, String title, String content) {
+        try {
+            send(channel, title, content);
+            recordLog(userId, channel, true, "发送成功");
+            return true;
+        } catch (RuntimeException e) {
+            recordLog(userId, channel, false, e.getMessage());
+            return false;
+        }
+    }
+
+    /**
+     * 解析渠道配置并调用对应的发送器。
+     *
+     * @param channel 渠道
+     * @param title   标题
+     * @param content 正文
+     */
+    private void send(NotificationChannel channel, String title, String content) {
+        Map<String, Object> config = parseConfig(channel.getConfig());
+        notificationSenderFactory.get(channel.getType()).send(config, title, content);
+    }
+
+    /**
+     * 写入一条发送日志。
+     *
+     * @param userId  用户ID
+     * @param channel 渠道
+     * @param success 是否成功
+     * @param message 结果描述
+     */
+    private void recordLog(Long userId, NotificationChannel channel, boolean success, String message) {
+        NotificationLog log = new NotificationLog();
+        log.setUserId(userId);
+        log.setChannelId(channel.getId());
+        log.setChannelType(channel.getType());
+        log.setSuccess(success);
+        log.setMessage(truncate(message));
+        notificationLogMapper.insert(log);
+    }
+
+    /**
+     * 解析渠道配置 JSON。
+     *
+     * @param json 配置 JSON
+     * @return 配置映射
+     */
+    private Map<String, Object> parseConfig(String json) {
+        if (json == null || json.isBlank()) {
+            return new LinkedHashMap<>();
+        }
+        try {
+            return objectMapper.readValue(json, new TypeReference<LinkedHashMap<String, Object>>() {
+            });
+        } catch (JsonProcessingException e) {
+            throw new BusinessException("解析渠道配置失败：" + e.getMessage());
+        }
+    }
+
+    /**
+     * 截断过长的日志正文。
+     *
+     * @param message 原文
+     * @return 截断后的字符串
+     */
+    private String truncate(String message) {
+        if (message == null) {
+            return "";
+        }
+        return message.length() <= MESSAGE_LIMIT ? message : message.substring(0, MESSAGE_LIMIT);
+    }
+
+    /**
+     * 转换为日志视图对象。
+     *
+     * @param log 日志实体
+     * @return 日志视图对象
+     */
+    private NotificationLogVO toVO(NotificationLog log) {
+        NotificationLogVO vo = new NotificationLogVO();
+        vo.setId(log.getId());
+        vo.setChannelId(log.getChannelId());
+        vo.setChannelType(log.getChannelType());
+        vo.setSuccess(Boolean.TRUE.equals(log.getSuccess()));
+        vo.setMessage(log.getMessage());
+        vo.setCreatedAt(log.getCreatedAt());
+        return vo;
+    }
+}
diff --git a/src/main/java/cn/rosercode/finance/vo/NotificationChannelVO.java b/src/main/java/cn/rosercode/finance/vo/NotificationChannelVO.java
new file mode 100644
index 0000000..50e4b1a
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/vo/NotificationChannelVO.java
@@ -0,0 +1,39 @@
+package cn.rosercode.finance.vo;
+
+import lombok.Data;
+
+import java.time.LocalDateTime;
+import java.util.Map;
+
+/**
+ * 通知渠道视图对象，用于向前端返回渠道信息（敏感字段已脱敏）。
+ *
+ * @date 2026-09-18 12:37:13
+ */
+@Data
+public class NotificationChannelVO {
+
+    /** 渠道ID */
+    private Long id;
+
+    /** 渠道类型：EMAIL-邮箱，SERVERCHAN-Server 酱 */
+    private String type;
+
+    /** 渠道名称 */
+    private String name;
+
+    /** 是否启用 */
+    private Boolean enabled;
+
+    /** 渠道配置（EMAIL 的 password 已移除） */
+    private Map<String, Object> config;
+
+    /** 是否已配置密码/授权码（EMAIL 渠道使用） */
+    private Boolean hasPassword;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+
+    /** 更新时间 */
+    private LocalDateTime updatedAt;
+}
diff --git a/src/main/java/cn/rosercode/finance/vo/NotificationConfigVO.java b/src/main/java/cn/rosercode/finance/vo/NotificationConfigVO.java
new file mode 100644
index 0000000..91dcc04
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/vo/NotificationConfigVO.java
@@ -0,0 +1,32 @@
+package cn.rosercode.finance.vo;
+
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知配置视图对象，用于向前端返回账单导入提醒的周期设置。
+ *
+ * @date 2026-09-18 12:37:12
+ */
+@Data
+public class NotificationConfigVO {
+
+    /** 是否启用定时提醒 */
+    private Boolean enabled;
+
+    /** 提醒周期：DAILY-每天，WEEKLY-每周，MONTHLY-每月 */
+    private String frequency;
+
+    /** 每月提醒日（1-28） */
+    private Integer dayOfMonth;
+
+    /** 每周提醒日（1-7，1 为周一） */
+    private Integer dayOfWeek;
+
+    /** 提醒时间（HH:mm） */
+    private String sendTime;
+
+    /** 最近一次发送时间 */
+    private LocalDateTime lastSentAt;
+}
diff --git a/src/main/java/cn/rosercode/finance/vo/NotificationLogVO.java b/src/main/java/cn/rosercode/finance/vo/NotificationLogVO.java
new file mode 100644
index 0000000..487e043
--- /dev/null
+++ b/src/main/java/cn/rosercode/finance/vo/NotificationLogVO.java
@@ -0,0 +1,32 @@
+package cn.rosercode.finance.vo;
+
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 通知日志视图对象，用于向前端展示历史发送结果。
+ *
+ * @date 2026-09-18 12:37:14
+ */
+@Data
+public class NotificationLogVO {
+
+    /** 日志ID */
+    private Long id;
+
+    /** 渠道ID */
+    private Long channelId;
+
+    /** 渠道类型 */
+    private String channelType;
+
+    /** 是否成功 */
+    private Boolean success;
+
+    /** 结果描述或失败原因 */
+    private String message;
+
+    /** 创建时间 */
+    private LocalDateTime createdAt;
+}
diff --git a/src/main/resources/sql/init.sql b/src/main/resources/sql/init.sql
index 9e29c95..c09e7d7 100644
--- a/src/main/resources/sql/init.sql
+++ b/src/main/resources/sql/init.sql
@@ -96,3 +96,43 @@ CREATE TABLE IF NOT EXISTS t_ai_usage (
     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',
+    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',
+    day_of_month INT NOT NULL DEFAULT 1 COMMENT '每月提醒日（1-28），frequency=MONTHLY 时生效',
+    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',
+    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',
+    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'
+);
diff --git a/src/main/resources/sql/schema-sqlite.sql b/src/main/resources/sql/schema-sqlite.sql
index 3f7f67e..3f7e575 100644
--- a/src/main/resources/sql/schema-sqlite.sql
+++ b/src/main/resources/sql/schema-sqlite.sql
@@ -123,3 +123,56 @@ WHEN NEW.updated_at = OLD.updated_at
 BEGIN
     UPDATE t_ai_config SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
 END;;
+
+CREATE TABLE IF NOT EXISTS t_notification_config (
+    id INTEGER PRIMARY KEY AUTOINCREMENT,
+    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'))
+);;
+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,
+    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'))
+);;
+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,
+    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'))
+);;
+CREATE INDEX IF NOT EXISTS idx_notification_log_user_created ON t_notification_log (user_id, created_at);;
+
+CREATE TRIGGER IF NOT EXISTS trg_notification_config_updated_at
+AFTER UPDATE ON t_notification_config
+FOR EACH ROW
+WHEN NEW.updated_at = OLD.updated_at
+BEGIN
+    UPDATE t_notification_config SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
+END;;
+
+CREATE TRIGGER IF NOT EXISTS trg_notification_channel_updated_at
+AFTER UPDATE ON t_notification_channel
+FOR EACH ROW
+WHEN NEW.updated_at = OLD.updated_at
+BEGIN
+    UPDATE t_notification_channel SET updated_at = strftime('%Y-%m-%dT%H:%M:%S', 'now', 'localtime') WHERE id = OLD.id;
+END;;