diff --git a/src/api/oa/erp/finAccountInstallment/types.ts b/src/api/oa/erp/finAccountInstallment/types.ts
index de97a22..2550085 100644
--- a/src/api/oa/erp/finAccountInstallment/types.ts
+++ b/src/api/oa/erp/finAccountInstallment/types.ts
@@ -74,11 +74,6 @@ export interface FinAccountInstallmentVO {
    */
   managerNickNames?: string;
 
-  /**
-   * 当前用户是否可进行分款操作
-   */
-  canAllocate?: boolean;
-
 }
 
 export interface FinAccountInstallmentForm extends BaseEntity {
@@ -147,11 +142,6 @@ export interface FinAccountInstallmentForm extends BaseEntity {
    */
   managerNickNames?: string;
 
-  /**
-   * 当前用户是否可进行分款操作
-   */
-  canAllocate?: boolean;
-
   /** 流程编码 */
   flowCode?: string;
 
@@ -163,20 +153,10 @@ export interface FinAccountInstallmentForm extends BaseEntity {
 
 }
 
-/** 派发给客户经理（含流程启动参数，前端组装） */
+/** 派发给客户经理 */
 export interface FinAccountInstallmentDispatchForm {
   accountInstallmentIds: Array<string | number>;
   managerUserIds: Array<string | number>;
-  /** 流程编码 FKSH */
-  flowCode?: string;
-  /** 流程变量 */
-  variables?: Record<string, any>;
-  /** 各回款流程业务扩展（businessId=回款主键） */
-  flowBizList?: Array<{
-    businessId?: string;
-    businessCode?: string;
-    businessTitle?: string;
-  }>;
 }
 
 export interface FinAccountInstallmentQuery extends PageQuery {
diff --git a/src/views/oa/erp/finAccountInstallment/edit.vue b/src/views/oa/erp/finAccountInstallment/edit.vue
index 68ac3f9..6509641 100644
--- a/src/views/oa/erp/finAccountInstallment/edit.vue
+++ b/src/views/oa/erp/finAccountInstallment/edit.vue
@@ -17,11 +17,10 @@
       <template #header>
         <div class="flex items-center justify-between">
           <div style="text-align: left; font-weight: bold; font-size: 24px">{{ pageTitle }}</div>
-          <el-button v-if="canAllocate" type="primary" @click="handleAddDetail">
+          <el-button v-if="canEditDetail" type="primary" @click="handleAddDetail">
             <el-icon class="mr-1"><Plus /></el-icon>
             新增分款
           </el-button>
-          <el-tag v-else-if="routeParams.type === 'allocate'" type="info">{{ allocateHintText }}</el-tag>
         </div>
       </template>
 
@@ -71,7 +70,7 @@
           </template>
         </el-table-column>
         <el-table-column label="备注" align="center" prop="remark" show-overflow-tooltip />
-        <el-table-column v-if="canAllocate" label="操作" align="center" width="100" fixed="right">
+        <el-table-column v-if="canEditDetail" label="操作" align="center" width="100" fixed="right">
           <template #default="{ row }">
             <el-button link type="primary" size="small" @click="handleEditDetail(row)">编辑</el-button>
             <el-button link type="danger" size="small" @click="handleDeleteDetail(row)">删除</el-button>
@@ -80,7 +79,7 @@
       </el-table>
       <el-empty
         v-if="!detailLoading && !detailList.length"
-        :description="canAllocate ? '暂无分款明细，请点击新增分款添加' : '暂无分款明细'"
+        :description="canEditDetail ? '暂无分款明细，请点击新增分款添加' : '暂无分款明细'"
         class="mt-3"
       />
     </el-card>
@@ -197,12 +196,6 @@ const approvalRecordRef = ref<InstanceType<typeof ApprovalRecord>>();
 
 const taskVariables = ref<Record<string, any>>({});
 
-const FLOW_STATUS = { DRAFT: 'draft', WAITING: 'waiting', FINISH: 'finish', BACK: 'back', CANCEL: 'cancel' };
-const INSTALLMENT_STATUS = { NOT_ALLOCATED: '0', DISPATCHED: '1', COMPLETE: '2' };
-
-const isFlowEditable = (flowStatus?: string) =>
-  !flowStatus || flowStatus === FLOW_STATUS.DRAFT || flowStatus === FLOW_STATUS.BACK || flowStatus === FLOW_STATUS.CANCEL;
-
 const initFormData: FinAccountInstallmentForm = {
   accountInstallmentId: undefined,
   installmentCode: undefined,
@@ -216,7 +209,6 @@ const initFormData: FinAccountInstallmentForm = {
   accountManagerIds: undefined,
   managerUserIds: [],
   managerNickNames: undefined,
-  canAllocate: undefined
 };
 
 const form = ref<FinAccountInstallmentForm>({ ...initFormData });
@@ -228,20 +220,8 @@ const pageTitle = computed(() => {
   return '客户分款';
 });
 
-/** 客户经理分款：查看模式只读，审批/分款模式在 canAllocate 时可维护明细 */
-const canAllocate = computed(() => form.value.canAllocate === true && routeParams.value.type !== 'view');
-
-const allocateHintText = computed(() => {
-  if (form.value.canAllocate) return '';
-  if (isFlowEditable(form.value.flowStatus) && form.value.installmentStatus === INSTALLMENT_STATUS.NOT_ALLOCATED) {
-    return '请先由财务派发给客户经理';
-  }
-  if (form.value.flowStatus === FLOW_STATUS.FINISH || form.value.installmentStatus === INSTALLMENT_STATUS.COMPLETE) {
-    return '分款已完成';
-  }
-  if (form.value.flowStatus !== FLOW_STATUS.WAITING) return '流程未处于待处理状态';
-  return '您无权操作该回款分款';
-});
+/** 仅分款审核页（type=approval，待办审批进入）可维护分款明细 */
+const canEditDetail = computed(() => routeParams.value.type === 'approval');
 
 const allocatedAmount = computed(() =>
   Number((detailList.value || []).reduce((sum, item) => sum + Number(item.detailAmount || 0), 0))
@@ -249,6 +229,27 @@ const allocatedAmount = computed(() =>
 
 const remainingAmount = computed(() => Number(form.value.paymentAmount || 0) - allocatedAmount.value);
 
+/** 分款金额与回款金额平衡容差（元） */
+const ALLOCATION_AMOUNT_EPS = 0.005;
+
+/** 提交/审批前校验：分款总额须等于回款金额 */
+const validateAllocationBeforeSubmit = (): boolean => {
+  const remain = remainingAmount.value;
+  if (remain < -ALLOCATION_AMOUNT_EPS) {
+    proxy?.$modal.msgWarning(`分款金额超出回款金额，已超出 ¥${formatMoney(Math.abs(remain))}，无法提交`);
+    return false;
+  }
+  if (remain > ALLOCATION_AMOUNT_EPS) {
+    proxy?.$modal.msgWarning(`分款金额不足回款金额，还差 ¥${formatMoney(remain)} 未分配，无法提交`);
+    return false;
+  }
+  if (!detailList.value.length) {
+    proxy?.$modal.msgWarning('请至少添加一条分款明细后再提交');
+    return false;
+  }
+  return true;
+};
+
 const formRemainingAmount = computed(() => {
   const currentDetailAmount = Number(detailForm.detailAmount) || 0;
   const existingTotal = Number(
@@ -441,8 +442,7 @@ const handleAddDetail = () => {
     proxy?.$modal.msgWarning('回款数据未加载');
     return;
   }
-  if (!canAllocate.value) {
-    proxy?.$modal.msgWarning(allocateHintText.value || '当前不可分款');
+  if (!canEditDetail.value) {
     return;
   }
   showProjectDialog.value = true;
@@ -593,6 +593,9 @@ const handleApprovalRecord = () => {
 };
 
 const approvalVerifyOpen = async () => {
+  if (!validateAllocationBeforeSubmit()) {
+    return;
+  }
   syncTaskVariables();
   await submitVerifyRef.value?.openDialog(routeParams.value.taskId);
 };
diff --git a/src/views/oa/erp/finAccountInstallment/index.vue b/src/views/oa/erp/finAccountInstallment/index.vue
index a4a1636..b55b12e 100644
--- a/src/views/oa/erp/finAccountInstallment/index.vue
+++ b/src/views/oa/erp/finAccountInstallment/index.vue
@@ -66,7 +66,7 @@
                   plain
                   icon="Promotion"
                   :disabled="!canDispatchSelection"
-                  @click="openDispatchDialog"
+                  @click="openDispatchDialog()"
                   v-hasPermi="['oa/erp:finAccountInstallment:dispatch']"
                 >
                   派发客户经理
@@ -116,7 +116,7 @@
                         link
                         type="warning"
                         icon="Promotion"
-                        @click.stop="handleDispatchRow(row)"
+                        @click.stop="openDispatchDialog([row])"
                         v-hasPermi="['oa/erp:finAccountInstallment:dispatch']"
                       />
                     </el-tooltip>
@@ -266,7 +266,6 @@
                 >
                   <template #description>
                     <p class="detail-empty__desc">暂无分款明细</p>
-                    <p v-if="selectedInstallment.canAllocate" class="detail-empty__hint">可点击「去分款」维护明细</p>
                   </template>
                 </el-empty>
               </div>
@@ -387,7 +386,6 @@ import {
   FinAccountInstallmentVO,
   FinAccountInstallmentDispatchForm
 } from '@/api/oa/erp/finAccountInstallment/types';
-import { FlowCodeEnum } from '@/enums/OAEnum';
 import { FinAccountInstallmentDetailVO } from '@/api/oa/erp/finAccountInstallmentDetail/types';
 import { DArrowLeft } from '@element-plus/icons-vue';
 import { getUserList } from '@/api/system/user';
@@ -519,47 +517,25 @@ const submitInstallmentForm = async () => {
   }
 };
 
-const openDispatchDialog = async () => {
-  if (!canDispatchSelection.value) {
-    proxy?.$modal.msgWarning('请勾选分款进度为「未分款」的回款');
+/** 打开派发弹窗（批量勾选或操作列单条） */
+const openDispatchDialog = async (rows?: FinAccountInstallmentVO[]) => {
+  const targetRows = rows ?? selectedInstallmentRows.value;
+  if (!targetRows.length || !targetRows.every(isNotAllocated)) {
+    proxy?.$modal.msgWarning(
+      rows?.length ? '仅未分款状态的回款可派发' : '请勾选分款进度为「未分款」的回款'
+    );
     return;
   }
+  selectedInstallmentRows.value = targetRows;
   dispatchManagerUserIds.value = [];
   await loadManagerUserOptions();
   dispatchDialog.visible = true;
 };
 
-/** 操作列：单条派发 */
-const handleDispatchRow = async (row: FinAccountInstallmentVO) => {
-  if (!isNotAllocated(row)) {
-    proxy?.$modal.msgWarning('仅未分款状态的回款可派发');
-    return;
-  }
-  selectedInstallmentRows.value = [row];
-  dispatchManagerUserIds.value = [];
-  await loadManagerUserOptions();
-  dispatchDialog.visible = true;
-};
-
-/** 组装派发及流程启动参数（仿出差申请 submitAndFlowStart） */
-const buildDispatchPayload = (): FinAccountInstallmentDispatchForm => {
-  const accountManagerId = dispatchManagerUserIds.value.map((id) => String(id)).join(',');
-  const rows = selectedInstallmentRows.value;
-  return {
-    accountInstallmentIds: rows.map((r) => r.accountInstallmentId),
-    managerUserIds: dispatchManagerUserIds.value,
-    flowCode: FlowCodeEnum.FIN_ACCOUNT_INSTALLMENT_CODE,
-    variables: {
-      ignore: true,
-      accountManagerId
-    },
-    flowBizList: rows.map((row) => ({
-      businessId: String(row.accountInstallmentId),
-      businessCode: row.installmentCode,
-      businessTitle: `${row.customerName}分款审核`
-    }))
-  };
-};
+const buildDispatchPayload = (): FinAccountInstallmentDispatchForm => ({
+  accountInstallmentIds: selectedInstallmentRows.value.map((r) => r.accountInstallmentId),
+  managerUserIds: dispatchManagerUserIds.value
+});
 
 const submitDispatch = async () => {
   if (!dispatchManagerUserIds.value.length) {
@@ -641,17 +617,6 @@ const handleView = (row: FinAccountInstallmentVO) => {
   });
 };
 
-/** 客户经理分款 */
-const handleGoAllocate = (row: FinAccountInstallmentVO) => {
-  router.push({
-    path: '/oa/erp/finAccountInstallment/edit',
-    query: {
-      id: String(row.accountInstallmentId),
-      type: 'allocate'
-    }
-  });
-};
-
 const handleRowClick = async (row: FinAccountInstallmentVO) => {
   selectedInstallment.value = row;
   await getDetailList();