diff --git a/application/admin/controller/shopro/Dashboard.php b/application/admin/controller/shopro/Dashboard.php
index 839e327..8158e09 100644
--- a/application/admin/controller/shopro/Dashboard.php
+++ b/application/admin/controller/shopro/Dashboard.php
@@ -16,6 +16,9 @@ use addons\shopro\service\SearchHistory;
 use addons\shopro\service\partner\RateService;
 use addons\shopro\service\partner\IdentityService;
 use addons\shopro\service\partner\PartnerConfig;
+use app\admin\model\shopro\Withdraw;
+use app\admin\model\shopro\Refund;
+use app\admin\model\shopro\goods\SkuPrice as SkuPriceModel;
 
 class Dashboard extends Common
 {
@@ -283,6 +286,261 @@ class Dashboard extends Common
             'role_stats' => $roleStats,
         ];
 
+        // 8. CFO 视角：资金浮存、提现出款风控与资产负债中枢
+        $userCommissionFloat = (float) User::sum('commission');
+        $userMoneyFloat = (float) User::sum('money');
+        $totalFloatFunds = round($userCommissionFloat + $userMoneyFloat, 2);
+
+        $totalWithdrawApplied = (float) Withdraw::sum('amount');
+        $totalWithdrawPaid = (float) Withdraw::where('status', 2)->sum('paid_fee');
+        $pendingWithdrawAmount = (float) Withdraw::where('status', 0)->sum('amount');
+        $pendingWithdrawCount = (int) Withdraw::where('status', 0)->count();
+        $withdrawCashRate = $totalPayout > 0 ? round(($totalWithdrawPaid / $totalPayout) * 100, 2) : 0.0;
+
+        $totalRefundAmount = (float) Refund::where('status', 'completed')->sum('refund_fee');
+        $totalRefundCount = (int) Refund::where('status', 'completed')->count();
+        $refundRate = $totalGmv > 0 ? round(($totalRefundAmount / $totalGmv) * 100, 2) : 0.0;
+        $realNetCashFlow = round($totalGmv - $totalRefundAmount - $totalWithdrawPaid, 2);
+
+        // 未来总承兑责任 (待释放消费券 + 马豆折算市值 + 用户未提现佣金)
+        $pendingVoucherLiability = $pendingVoucher;
+        $madowMarketLiability = $totalMadowCny;
+        $commissionLiability = $userCommissionFloat;
+        $totalFutureLiability = round($pendingVoucherLiability + $madowMarketLiability + $commissionLiability, 2);
+
+        $financeOverview = [
+            'commission_float' => number_format($userCommissionFloat, 2, '.', ''),
+            'user_balance_float' => number_format($userMoneyFloat, 2, '.', ''),
+            'total_float_funds' => number_format($totalFloatFunds, 2, '.', ''),
+            'total_withdraw_applied' => number_format($totalWithdrawApplied, 2, '.', ''),
+            'total_withdraw_paid' => number_format($totalWithdrawPaid, 2, '.', ''),
+            'pending_withdraw_amount' => number_format($pendingWithdrawAmount, 2, '.', ''),
+            'pending_withdraw_count' => $pendingWithdrawCount,
+            'withdraw_cash_rate' => $withdrawCashRate,
+            'total_refund_amount' => number_format($totalRefundAmount, 2, '.', ''),
+            'total_refund_count' => $totalRefundCount,
+            'refund_rate' => $refundRate,
+            'real_net_cash_flow' => number_format($realNetCashFlow, 2, '.', ''),
+            'pending_voucher_liability' => number_format($pendingVoucherLiability, 2, '.', ''),
+            'madow_market_liability' => number_format($madowMarketLiability, 2, '.', ''),
+            'commission_liability' => number_format($commissionLiability, 2, '.', ''),
+            'total_future_liability' => number_format($totalFutureLiability, 2, '.', ''),
+        ];
+
+        // 9. COO 视角：转化复购漏斗、合伙人30天掉队雷达与供应链库存安全
+        // 9.1 用户购买频次聚合与转化漏斗
+        $paidOrderUsers = Order::whereIn('status', [Order::STATUS_PAID, Order::STATUS_COMPLETED])
+            ->group('user_id')
+            ->field('user_id, count(*) as buy_count')
+            ->select();
+
+        $paidUsersCount = count($paidOrderUsers);
+        $singleBuyCount = 0;
+        $repeatBuyCount = 0;
+        foreach ($paidOrderUsers as $buyer) {
+            if ((int)$buyer->buy_count > 1) {
+                $repeatBuyCount++;
+            } else {
+                $singleBuyCount++;
+            }
+        }
+        $payConversionRate = $totalRegisteredUsers > 0 ? round(($paidUsersCount / $totalRegisteredUsers) * 100, 1) : 0.0;
+        $repeatPurchaseRate = $paidUsersCount > 0 ? round(($repeatBuyCount / $paidUsersCount) * 100, 1) : 0.0;
+        $arpu = $paidUsersCount > 0 ? round($totalGmv / $paidUsersCount, 2) : 0.0;
+
+        // 9.2 合伙人 30 天自购断档掉队雷达（安全活跃、7天即将断档预警、已断档失效）
+        $now = time();
+        $activeDays = (int) PartnerConfig::get('partner_active_days', 30);
+        $warningThresholdDays = 7;
+        $activeWindow = $now - ($activeDays * 86400);
+        $warningWindow = $now - (($activeDays - $warningThresholdDays) * 86400);
+
+        $activePartnersCount = 0;
+        $warningPartnersCount = 0;
+        $frozenPartnersCount = 0;
+        $warningList = [];
+        $frozenList = [];
+
+        // 批量拉取合伙人用户信息，避免循环内查询
+        $agentUserIds = array_column(collection($allAgents)->toArray(), 'user_id');
+        $agentUserMap = [];
+        if (!empty($agentUserIds)) {
+            $agentUserRows = User::whereIn('id', $agentUserIds)->field('id, nickname, mobile, avatar')->select();
+            foreach ($agentUserRows as $uRow) {
+                $agentUserMap[$uRow->id] = $uRow;
+            }
+        }
+
+        foreach ($allAgents as $ag) {
+            $lastTime = (int) $ag->getData('last_self_order_time');
+            $uid = $ag->user_id;
+            $u = $agentUserMap[$uid] ?? null;
+            $nickname = $u ? ($u->nickname ?: '用户#' . $uid) : ('用户#' . $uid);
+            $mobile = ($u && $u->mobile) ? substr_replace($u->mobile, '****', 3, 4) : '-';
+            $avatar = $u ? ($u->avatar ?: '') : '';
+            $identityData = IdentityService::build($ag);
+            $identityText = $identityData['identity_text'] ?: ('Lv.' . $ag->level);
+
+            if ($lastTime > 0 && $lastTime >= $warningWindow) {
+                // 安全活跃期 (距今 < 23天)
+                $activePartnersCount++;
+            } elseif ($lastTime > 0 && $lastTime >= $activeWindow) {
+                // 7 天内即将断档预警 (距今 23~30天)
+                $warningPartnersCount++;
+                $daysLeft = max(1, (int) ceil(($lastTime + $activeDays * 86400 - $now) / 86400));
+                $warningList[] = [
+                    'user_id' => $uid,
+                    'nickname' => $nickname,
+                    'avatar' => $avatar,
+                    'mobile' => $mobile,
+                    'level_text' => $identityText,
+                    'last_order_date' => date('Y-m-d H:i', $lastTime),
+                    'days_left' => $daysLeft,
+                ];
+            } else {
+                // 已断档冻结 (> 30天 或 从未自购)
+                $frozenPartnersCount++;
+                if (count($frozenList) < 10) {
+                    $overdueDays = $lastTime > 0 ? max(1, (int) floor(($now - $lastTime) / 86400) - $activeDays) : 999;
+                    $frozenList[] = [
+                        'user_id' => $uid,
+                        'nickname' => $nickname,
+                        'avatar' => $avatar,
+                        'mobile' => $mobile,
+                        'level_text' => $identityText,
+                        'last_order_date' => $lastTime > 0 ? date('Y-m-d H:i', $lastTime) : '从未自购',
+                        'overdue_days' => $overdueDays == 999 ? '从未自购' : "逾期 {$overdueDays} 天",
+                    ];
+                }
+            }
+        }
+
+        // 9.3 供应链库存安全与动销商品
+        $onSaleGoodsCount = (int) Goods::where('status', 'up')->count();
+        $totalStock = (int) SkuPriceModel::where('status', 'up')->sum('stock');
+        $lowStockCount = (int) SkuPriceModel::alias('sp')
+            ->join('shopro_goods g', 'sp.goods_id = g.id')
+            ->where('g.status', 'up')
+            ->where('sp.status', 'up')
+            ->where('sp.stock', '<=', 10)
+            ->count();
+
+        $lowStockSkuList = SkuPriceModel::alias('sp')
+            ->join('shopro_goods g', 'sp.goods_id = g.id')
+            ->where('g.status', 'up')
+            ->where('sp.status', 'up')
+            ->where('sp.stock', '<=', 10)
+            ->field('sp.id as sku_id, sp.goods_id, g.title as goods_title, g.image as goods_image, sp.goods_sku_text, sp.stock, sp.price')
+            ->order('sp.stock', 'asc')
+            ->limit(10)
+            ->select();
+
+        $lowStockFormatted = [];
+        foreach ($lowStockSkuList as $lsku) {
+            $skuText = is_array($lsku->goods_sku_text) ? implode(' ', $lsku->goods_sku_text) : ($lsku->goods_sku_text ?: '默认单规格');
+            $lowStockFormatted[] = [
+                'sku_id' => $lsku->sku_id,
+                'goods_id' => $lsku->goods_id,
+                'goods_title' => $lsku->goods_title,
+                'goods_image' => $lsku->goods_image,
+                'sku_text' => $skuText,
+                'stock' => (int) $lsku->stock,
+                'price' => $lsku->price,
+            ];
+        }
+
+        // 9.4 平台经营健康度评分模型 (满分 100)
+        // ① 拨比健康度 (30分)
+        $payoutScore = 30.0;
+        if ($totalGmv > 0) {
+            if ($payoutRate > 60) {
+                $payoutScore = 10.0;
+            } elseif ($payoutRate > 40) {
+                $payoutScore = 20.0;
+            } elseif ($payoutRate < 15) {
+                $payoutScore = 25.0;
+            } else {
+                $payoutScore = 30.0;
+            }
+        }
+        // ② 合伙人活跃健康度 (25分)
+        $partnerActiveRate = $totalAgents > 0 ? ($activePartnersCount / $totalAgents) : 0;
+        $activeScore = round($partnerActiveRate * 25, 1);
+        // ③ 用户复购粘性 (25分, 基准30%得满分)
+        $repeatScore = $paidUsersCount > 0 ? min(25.0, round(($repeatPurchaseRate / 30) * 25, 1)) : 15.0;
+        // ④ 资金履约安全度 (20分)
+        $safetyScore = 20.0;
+        if ($refundRate > 5.0) {
+            $safetyScore = 10.0;
+        } elseif ($refundRate > 2.0) {
+            $safetyScore = 15.0;
+        } else {
+            $safetyScore = 20.0;
+        }
+
+        $healthTotalScore = round($payoutScore + $activeScore + $repeatScore + $safetyScore, 1);
+        $healthGrade = 'S·卓越';
+        $healthGradeColor = '#52c41a';
+        if ($healthTotalScore < 70) {
+            $healthGrade = 'C·预警';
+            $healthGradeColor = '#f5222d';
+        } elseif ($healthTotalScore < 80) {
+            $healthGrade = 'B·稳健';
+            $healthGradeColor = '#fa8c16';
+        } elseif ($healthTotalScore < 90) {
+            $healthGrade = 'A·良好';
+            $healthGradeColor = '#1890ff';
+        }
+
+        $healthSuggestions = [];
+        if ($payoutRate <= 35) {
+            $healthSuggestions[] = "当前综合拨比为 {$payoutRate}%，处于精算设定的安全区间，净现金流沉淀稳固。";
+        } else {
+            $healthSuggestions[] = "当前综合拨比为 {$payoutRate}%，略高于基准安全线，建议关注毛利率较高的商品排期。";
+        }
+        if ($warningPartnersCount > 0) {
+            $healthSuggestions[] = "监测到有 {$warningPartnersCount} 位合伙人进入 7 天内即将断档预警期，建议及时定向唤醒催单。";
+        } else {
+            $healthSuggestions[] = "合伙股东团队自购状态良好，暂无 7 天内即将断档的合伙人。";
+        }
+        if ($lowStockCount > 0) {
+            $healthSuggestions[] = "仓储有 {$lowStockCount} 款商品 SKU 库存告急（≤10件），请及时补充库存避免断货缺货。";
+        } else {
+            $healthSuggestions[] = "在售商品库存充沛，供应链运转健康。";
+        }
+        if ($pendingWithdrawCount > 0) {
+            $healthSuggestions[] = "当前有 {$pendingWithdrawCount} 笔提现申请等待审核（¥{$financeOverview['pending_withdraw_amount']}），请及时审核保障出款体验。";
+        }
+
+        $operationOverview = [
+            'total_registered' => $totalRegisteredUsers,
+            'paid_users_count' => $paidUsersCount,
+            'pay_conversion_rate' => $payConversionRate,
+            'single_buy_users_count' => $singleBuyCount,
+            'repeat_buy_users_count' => $repeatBuyCount,
+            'repeat_purchase_rate' => $repeatPurchaseRate,
+            'arpu' => number_format($arpu, 2, '.', ''),
+            'active_partners' => $activePartnersCount,
+            'warning_partners' => $warningPartnersCount,
+            'frozen_partners' => $frozenPartnersCount,
+            'warning_list' => $warningList,
+            'frozen_list' => $frozenList,
+            'on_sale_goods_count' => $onSaleGoodsCount,
+            'total_stock' => $totalStock,
+            'low_stock_count' => $lowStockCount,
+            'low_stock_list' => $lowStockFormatted,
+            'health' => [
+                'score' => $healthTotalScore,
+                'grade' => $healthGrade,
+                'grade_color' => $healthGradeColor,
+                'payout_score' => $payoutScore,
+                'active_score' => $activeScore,
+                'repeat_score' => $repeatScore,
+                'safety_score' => $safetyScore,
+                'suggestions' => $healthSuggestions,
+            ]
+        ];
+
         $this->success('获取成功', null, [
             'user_data' => $userData,
             'agent_data' => $agentData ?? null,
@@ -291,6 +549,8 @@ class Dashboard extends Common
             'madow_data' => $madowData,
             'voucher_data' => $voucherData,
             'partner_network' => $partnerNetwork,
+            'finance_overview' => $financeOverview,
+            'operation_overview' => $operationOverview,
         ]);
     }
 
diff --git a/application/admin/view/shopro/dashboard/index.html b/application/admin/view/shopro/dashboard/index.html
index 3f1e84e..dd64973 100644
--- a/application/admin/view/shopro/dashboard/index.html
+++ b/application/admin/view/shopro/dashboard/index.html
@@ -245,6 +245,87 @@
         width: 18px;
         height: 20px;
     }
+
+    /* CFO 财务中枢与资产负债卡片 */
+    .dashboard-index .finance-hub-card {
+        padding: 16px 18px;
+        min-height: 200px;
+    }
+
+    .dashboard-index .finance-sub-metric {
+        padding: 8px 12px;
+        background: #fbfbfc;
+        border: 1px solid #f0f2f5;
+        border-radius: 6px;
+        margin-bottom: 8px;
+        font-size: 12px;
+    }
+
+    /* COO 运营全貌与雷达卡片 */
+    .dashboard-index .coo-panel-card {
+        padding: 16px 18px;
+        min-height: 280px;
+    }
+
+    .dashboard-index .funnel-stage {
+        flex: 1;
+        padding: 10px 8px;
+        background: #fafafa;
+        border-radius: 6px;
+        text-align: center;
+        margin-right: 6px;
+        position: relative;
+    }
+
+    .dashboard-index .funnel-stage:last-child {
+        margin-right: 0;
+    }
+
+    .dashboard-index .radar-stat-pill {
+        padding: 8px 10px;
+        border-radius: 6px;
+        cursor: pointer;
+        transition: all .2s;
+    }
+
+    .dashboard-index .radar-stat-pill:hover {
+        opacity: 0.9;
+        transform: translateY(-1px);
+    }
+
+    .dashboard-index .health-score-dial {
+        text-align: center;
+        padding: 14px 10px;
+        background: linear-gradient(135deg, #f8faff 0%, #f0f5ff 100%);
+        border: 1px solid #d6e4ff;
+        border-radius: 8px;
+    }
+
+    .dashboard-index .health-score-val {
+        font-size: 34px;
+        font-weight: 800;
+        line-height: 1.1;
+        color: #1890ff;
+    }
+
+    .dashboard-index .warning-alert-row {
+        background: #fffbe6;
+        border: 1px solid #ffe58f;
+        padding: 8px 12px;
+        border-radius: 6px;
+        font-size: 12px;
+        color: #d46b08;
+    }
+
+    .dashboard-index .low-stock-tag {
+        display: inline-block;
+        padding: 2px 6px;
+        border-radius: 3px;
+        background: #fff1f0;
+        color: #cf1322;
+        border: 1px solid #ffa39e;
+        font-weight: bold;
+    }
 </style>
 
 <div id="index" class="dashboard-index panel panel-default panel-intro" v-cloak>
@@ -343,6 +424,98 @@
                     </el-col>
                 </el-row>
 
+                <!-- ================= 1.1 CFO 财务全貌 · 资金流向、平台浮存与资产负债中枢 ================= -->
+                <el-row :gutter="16">
+                    <!-- 资金浮存池 (Cash Float) -->
+                    <el-col :xs="24" :sm="24" :md="8" :lg="8" :xl="8">
+                        <div class="finance-hub-card card">
+                            <div class="sa-flex sa-row-between mb-2">
+                                <div class="sa-flex">
+                                    <span class="network-badge bg-primary mr-2" style="background: #1890ff;">浮</span>
+                                    <span class="font-bold text-dark" style="font-size: 14px;">资金浮存池 (Cash Float)</span>
+                                </div>
+                                <el-tag size="small" type="success" effect="light">平台流动免息资金</el-tag>
+                            </div>
+                            <div class="kpi-main-num text-primary" style="font-size: 24px; margin: 8px 0;">
+                                <span class="currency">¥</span>{{ state.finance.total_float_funds }}
+                            </div>
+                            <div class="finance-sub-metric sa-flex sa-row-between">
+                                <span>未提现佣金沉淀 (用户收益留存)：</span>
+                                <strong class="text-warning">¥{{ state.finance.commission_float }}</strong>
+                            </div>
+                            <div class="finance-sub-metric sa-flex sa-row-between">
+                                <span>用户账户余额沉淀 (已充未销)：</span>
+                                <strong class="text-dark">¥{{ state.finance.user_balance_float }}</strong>
+                            </div>
+                            <div class="sa-flex sa-row-between pt-2" style="font-size: 12px; color: var(--sa-subfont); border-top: 1px dashed var(--sa-space);">
+                                <span>真实净现金流 (GMV-出款-退款)：</span>
+                                <strong class="text-success">¥{{ state.finance.real_net_cash_flow }}</strong>
+                            </div>
+                        </div>
+                    </el-col>
+
+                    <!-- 提现出款与资金风控敞口 -->
+                    <el-col :xs="24" :sm="24" :md="8" :lg="8" :xl="8">
+                        <div class="finance-hub-card card">
+                            <div class="sa-flex sa-row-between mb-2">
+                                <div class="sa-flex">
+                                    <span class="network-badge bg-warning mr-2" style="background: #fa8c16;">提</span>
+                                    <span class="font-bold text-dark" style="font-size: 14px;">提现出款与风控敞口</span>
+                                </div>
+                                <span class="cursor-pointer text-primary" style="font-size: 12px;" @click="onOpenWithdraw('all')">提现流水 →</span>
+                            </div>
+                            <div class="kpi-main-num text-warning" style="font-size: 24px; margin: 8px 0;">
+                                <span class="currency">¥</span>{{ state.finance.total_withdraw_paid }}
+                                <span class="unit" style="font-size: 12px; font-weight: normal; color: var(--sa-subfont);">已打款出款</span>
+                            </div>
+                            <div class="finance-sub-metric sa-flex sa-row-between" :style="state.finance.pending_withdraw_count > 0 ? 'background: #fff2e8; border-color: #ffbb96;' : ''">
+                                <span>待审核出款风控资金：</span>
+                                <div class="sa-flex">
+                                    <strong :class="state.finance.pending_withdraw_count > 0 ? 'text-danger' : 'text-dark'">¥{{ state.finance.pending_withdraw_amount }}</strong>
+                                    <el-badge v-if="state.finance.pending_withdraw_count > 0" :value="state.finance.pending_withdraw_count + '笔'" class="ml-1" type="danger" />
+                                    <el-button v-if="state.finance.pending_withdraw_count > 0" type="danger" link size="mini" class="ml-1" @click="onOpenWithdraw(0)">审核</el-button>
+                                </div>
+                            </div>
+                            <div class="finance-sub-metric sa-flex sa-row-between">
+                                <span>累计申请总额：¥{{ state.finance.total_withdraw_applied }}</span>
+                                <span>出款兑现率：<strong class="text-purple">{{ state.finance.withdraw_cash_rate }}%</strong></span>
+                            </div>
+                            <div class="sa-flex sa-row-between pt-2" style="font-size: 12px; color: var(--sa-subfont); border-top: 1px dashed var(--sa-space);">
+                                <span>累计退款：¥{{ state.finance.total_refund_amount }} ({{ state.finance.total_refund_count }}笔)</span>
+                                <span>退款率：<strong>{{ state.finance.refund_rate }}%</strong></span>
+                            </div>
+                        </div>
+                    </el-col>
+
+                    <!-- 资产负债表与未来承兑责任 -->
+                    <el-col :xs="24" :sm="24" :md="8" :lg="8" :xl="8">
+                        <div class="finance-hub-card card">
+                            <div class="sa-flex sa-row-between mb-2">
+                                <div class="sa-flex">
+                                    <span class="network-badge bg-danger mr-2" style="background: #f5222d;">债</span>
+                                    <span class="font-bold text-dark" style="font-size: 14px;">未来承兑责任准备金 (负债中枢)</span>
+                                </div>
+                                <el-tag size="small" type="danger" effect="light">履约与承兑储备</el-tag>
+                            </div>
+                            <div class="kpi-main-num text-danger" style="font-size: 24px; margin: 8px 0;">
+                                <span class="currency">¥</span>{{ state.finance.total_future_liability }}
+                            </div>
+                            <div class="finance-sub-metric sa-flex sa-row-between">
+                                <span>① 消费兑换券补贴待释放负债 (1.5倍补贴)：</span>
+                                <strong class="text-danger">¥{{ state.finance.pending_voucher_liability }}</strong>
+                            </div>
+                            <div class="finance-sub-metric sa-flex sa-row-between">
+                                <span>② 马豆流通折算市值负债 (生态回购承兑)：</span>
+                                <strong class="text-purple">¥{{ state.finance.madow_market_liability }}</strong>
+                            </div>
+                            <div class="sa-flex sa-row-between pt-2" style="font-size: 12px; color: var(--sa-subfont); border-top: 1px dashed var(--sa-space);">
+                                <span>③ 用户未提佣金流动负债：</span>
+                                <strong class="text-warning">¥{{ state.finance.commission_liability }}</strong>
+                            </div>
+                        </div>
+                    </el-col>
+                </el-row>
+
                 <!-- ================= 2. 全角色身份会员资产与收益统计全景透视 ================= -->
                 <!-- 2.1 三大核心板块快速指标卡 -->
                 <el-row :gutter="16">
@@ -515,6 +688,203 @@
                         </div>
                     </el-col>
                 </el-row>
+
+                <!-- ================= 2.3 COO 运营全貌 · 用户转化漏斗、合伙人掉队雷达与库存安全 ================= -->
+                <el-row :gutter="16">
+                    <!-- 左侧：电商用户转化漏斗与复购动销 -->
+                    <el-col :xs="24" :sm="24" :md="24" :lg="8" :xl="8">
+                        <div class="coo-panel-card card">
+                            <div class="sa-flex sa-row-between mb-3">
+                                <div>
+                                    <span class="font-bold text-dark" style="font-size: 14px;">用户转化漏斗与复购粘性</span>
+                                </div>
+                                <span class="cursor-pointer text-primary" style="font-size: 12px;" @click="onOpenUser">会员中心 →</span>
+                            </div>
+
+                            <!-- 漏斗横向展示 -->
+                            <div class="sa-flex sa-row-between mb-3" style="background: #f8faff; padding: 12px; border-radius: 8px; border: 1px solid #e6f7ff;">
+                                <div class="funnel-stage">
+                                    <div style="color: var(--sa-subfont); font-size: 11px;">全网注册</div>
+                                    <div class="font-bold text-dark" style="font-size: 18px; margin: 4px 0;">{{ state.operation.total_registered }} <span style="font-size: 11px;">人</span></div>
+                                    <el-tag size="mini" type="info">基数 100%</el-tag>
+                                </div>
+                                <div style="color: #1890ff; font-weight: bold; font-size: 16px;">→</div>
+                                <div class="funnel-stage">
+                                    <div style="color: var(--sa-subfont); font-size: 11px;">付费买家</div>
+                                    <div class="font-bold text-primary" style="font-size: 18px; margin: 4px 0;">{{ state.operation.paid_users_count }} <span style="font-size: 11px;">人</span></div>
+                                    <el-tag size="mini" type="primary">转化 {{ state.operation.pay_conversion_rate }}%</el-tag>
+                                </div>
+                                <div style="color: #52c41a; font-weight: bold; font-size: 16px;">→</div>
+                                <div class="funnel-stage">
+                                    <div style="color: var(--sa-subfont); font-size: 11px;">复购会员</div>
+                                    <div class="font-bold text-success" style="font-size: 18px; margin: 4px 0;">{{ state.operation.repeat_buy_users_count }} <span style="font-size: 11px;">人</span></div>
+                                    <el-tag size="mini" type="success">复购 {{ state.operation.repeat_purchase_rate }}%</el-tag>
+                                </div>
+                            </div>
+
+                            <div class="finance-sub-metric sa-flex sa-row-between">
+                                <span>单次购买买家：<strong class="text-dark">{{ state.operation.single_buy_users_count }} 人</strong></span>
+                                <span>复购买家：<strong class="text-success">{{ state.operation.repeat_buy_users_count }} 人</strong></span>
+                            </div>
+                            <div class="finance-sub-metric sa-flex sa-row-between">
+                                <span>付费用户人均客单 (ARPU)：</span>
+                                <strong class="text-warning">¥{{ state.operation.arpu }}</strong>
+                            </div>
+                            <div class="sa-flex sa-row-between pt-2" style="font-size: 12px; color: var(--sa-subfont); border-top: 1px dashed var(--sa-space);">
+                                <span>在架商品：<strong class="text-dark">{{ state.operation.on_sale_goods_count }} 款</strong></span>
+                                <span>全仓总库存：<strong class="text-dark">{{ state.operation.total_stock }} 件</strong></span>
+                            </div>
+                        </div>
+                    </el-col>
+
+                    <!-- 中间：合伙人 30 天自购断档掉队雷达 -->
+                    <el-col :xs="24" :sm="24" :md="24" :lg="8" :xl="8">
+                        <div class="coo-panel-card card">
+                            <div class="sa-flex sa-row-between mb-3">
+                                <div>
+                                    <span class="font-bold text-dark" style="font-size: 14px;">合伙人 30天自购断档掉队雷达</span>
+                                </div>
+                                <span class="cursor-pointer text-primary" style="font-size: 12px;" @click="onOpenAgent('')">合伙团队 →</span>
+                            </div>
+
+                            <!-- 3状态指标标签 -->
+                            <el-row :gutter="8" class="mb-3">
+                                <el-col :span="8">
+                                    <div class="radar-stat-pill" style="background: #f6ffed; border: 1px solid #b7eb8f; text-align: center;">
+                                        <div style="font-size: 11px; color: #389e0d;">活跃达标</div>
+                                        <div style="font-size: 18px; font-weight: bold; color: #52c41a; margin-top: 2px;">{{ state.operation.active_partners }}</div>
+                                        <div style="font-size: 10px; color: #8c8c8c;">>7天余量</div>
+                                    </div>
+                                </el-col>
+                                <el-col :span="8">
+                                    <div class="radar-stat-pill" style="background: #fffbe6; border: 1px solid #ffe58f; text-align: center;">
+                                        <div style="font-size: 11px; color: #d46b08;">即将断档</div>
+                                        <div style="font-size: 18px; font-weight: bold; color: #fa8c16; margin-top: 2px;">{{ state.operation.warning_partners }}</div>
+                                        <div style="font-size: 10px; color: #fa8c16;">≤7天临界</div>
+                                    </div>
+                                </el-col>
+                                <el-col :span="8">
+                                    <div class="radar-stat-pill" style="background: #fff1f0; border: 1px solid #ffa39e; text-align: center;">
+                                        <div style="font-size: 11px; color: #cf1322;">已断档冻结</div>
+                                        <div style="font-size: 18px; font-weight: bold; color: #f5222d; margin-top: 2px;">{{ state.operation.frozen_partners }}</div>
+                                        <div style="font-size: 10px; color: #8c8c8c;">无分佣资格</div>
+                                    </div>
+                                </el-col>
+                            </el-row>
+
+                            <!-- 7天临界断档名单列表（若有则紧急告警，若无则展示健康与已断档） -->
+                            <div v-if="state.operation.warning_partners > 0">
+                                <div class="warning-alert-row mb-2 sa-flex sa-row-between">
+                                    <span>⚠️ <strong>紧急唤醒：</strong>以下合伙人自购即将到期</span>
+                                    <span style="font-weight: bold;">{{ state.operation.warning_partners }} 人临界</span>
+                                </div>
+                                <div style="max-height: 120px; overflow-y: auto;">
+                                    <div class="sa-flex sa-row-between mb-2 pb-1" v-for="wUser in state.operation.warning_list" :key="wUser.user_id" style="border-bottom: 1px dashed #f0f2f5; font-size: 12px;">
+                                        <div class="sa-flex">
+                                            <sa-image :url="wUser.avatar" size="20" style="border-radius: 50%;"></sa-image>
+                                            <div class="ml-1">
+                                                <span class="font-bold">{{ wUser.nickname }}</span>
+                                                <el-tag size="mini" type="info" class="ml-1">{{ wUser.level_text }}</el-tag>
+                                            </div>
+                                        </div>
+                                        <div class="sa-flex">
+                                            <el-tag size="mini" type="danger">剩余 {{ wUser.days_left }} 天</el-tag>
+                                            <el-button type="primary" link size="mini" class="ml-1" @click="onOpenAgent('')">催单</el-button>
+                                        </div>
+                                    </div>
+                                </div>
+                            </div>
+
+                            <div v-else>
+                                <div class="sa-flex sa-row-between" style="background: #f6ffed; border: 1px solid #b7eb8f; padding: 8px 12px; border-radius: 6px; font-size: 12px; color: #389e0d; margin-bottom: 8px;">
+                                    <span>🛡️ 合伙股东自购健康度良好，暂无临近断档人员</span>
+                                    <span>全部在保</span>
+                                </div>
+                                <div style="font-size: 11px; color: var(--sa-subfont); margin-bottom: 4px;">已断档冻结人员采样 (失去分佣资格)：</div>
+                                <div style="max-height: 100px; overflow-y: auto;">
+                                    <div class="sa-flex sa-row-between mb-1 pb-1" v-for="fUser in state.operation.frozen_list.slice(0, 3)" :key="fUser.user_id" style="border-bottom: 1px dashed #f0f2f5; font-size: 12px;">
+                                        <div class="sa-flex">
+                                            <span class="text-muted mr-1">#{{ fUser.user_id }}</span>
+                                            <span class="text-dark">{{ fUser.nickname }}</span>
+                                            <span class="text-muted ml-1" style="font-size: 11px;">({{ fUser.mobile }})</span>
+                                        </div>
+                                        <el-tag size="mini" type="danger" effect="plain">{{ fUser.overdue_days }}</el-tag>
+                                    </div>
+                                </div>
+                            </div>
+                        </div>
+                    </el-col>
+
+                    <!-- 右侧：供应链库存告急与平台经营健康度评分 -->
+                    <el-col :xs="24" :sm="24" :md="24" :lg="8" :xl="8">
+                        <div class="coo-panel-card card">
+                            <div class="sa-flex sa-row-between mb-2">
+                                <div>
+                                    <span class="font-bold text-dark" style="font-size: 14px;">经营健康评分与供应链安全</span>
+                                </div>
+                                <el-tag size="small" :style="{ backgroundColor: state.operation.health.grade_color, color: '#fff', borderColor: state.operation.health.grade_color, fontWeight: 'bold' }">
+                                    {{ state.operation.health.grade }}
+                                </el-tag>
+                            </div>
+
+                            <!-- 综合评分双栏展示 -->
+                            <el-row :gutter="12" class="mb-3">
+                                <el-col :span="10">
+                                    <div class="health-score-dial">
+                                        <div style="font-size: 11px; color: var(--sa-subfont); margin-bottom: 4px;">综合健康度</div>
+                                        <div class="health-score-val" :style="{ color: state.operation.health.grade_color }">{{ state.operation.health.score }}</div>
+                                        <div style="font-size: 10px; color: var(--sa-subfont); margin-top: 4px;">满分 100分</div>
+                                    </div>
+                                </el-col>
+                                <el-col :span="14">
+                                    <div style="font-size: 11px; color: var(--sa-subfont); line-height: 1.8;">
+                                        <div class="sa-flex sa-row-between">
+                                            <span>拨比健康 (30分)：</span>
+                                            <strong class="text-dark">{{ state.operation.health.payout_score }}分</strong>
+                                        </div>
+                                        <div class="sa-flex sa-row-between">
+                                            <span>合伙人活力 (25分)：</span>
+                                            <strong class="text-dark">{{ state.operation.health.active_score }}分</strong>
+                                        </div>
+                                        <div class="sa-flex sa-row-between">
+                                            <span>复购粘性 (25分)：</span>
+                                            <strong class="text-dark">{{ state.operation.health.repeat_score }}分</strong>
+                                        </div>
+                                        <div class="sa-flex sa-row-between">
+                                            <span>履约安全 (20分)：</span>
+                                            <strong class="text-dark">{{ state.operation.health.safety_score }}分</strong>
+                                        </div>
+                                    </div>
+                                </el-col>
+                            </el-row>
+
+                            <!-- 库存告急监测 -->
+                            <div class="sa-flex sa-row-between mb-1" style="border-top: 1px dashed var(--sa-space); padding-top: 8px;">
+                                <div class="sa-flex">
+                                    <span class="font-bold text-dark" style="font-size: 12px;">库存告急预警 (≤10件)</span>
+                                    <el-badge :value="state.operation.low_stock_count" class="ml-2" :type="state.operation.low_stock_count > 0 ? 'danger' : 'info'" />
+                                </div>
+                                <span class="cursor-pointer text-primary" style="font-size: 11px;" @click="onOpenStockWarning">预警中心 →</span>
+                            </div>
+
+                            <div v-if="state.operation.low_stock_count > 0" style="max-height: 90px; overflow-y: auto;">
+                                <div class="sa-flex sa-row-between mb-1 pb-1" v-for="sku in state.operation.low_stock_list" :key="sku.sku_id" style="border-bottom: 1px solid #f8f8f8; font-size: 12px;">
+                                    <div class="sa-flex" style="max-width: 70%;">
+                                        <sa-image :url="sku.goods_image" size="18" style="border-radius: 2px;"></sa-image>
+                                        <span class="ml-1 sa-table-line-1" :title="sku.goods_title">{{ sku.goods_title }}</span>
+                                    </div>
+                                    <div class="sa-flex">
+                                        <span class="low-stock-tag mr-1">{{ sku.stock }}件</span>
+                                        <el-button type="primary" link size="mini" @click="onOpenGoods(sku.goods_id)">补货</el-button>
+                                    </div>
+                                </div>
+                            </div>
+                            <div v-else class="text-muted sa-flex sa-row-center" style="font-size: 12px; padding: 10px 0;">
+                                ✅ 所有在售商品库存充足
+                            </div>
+                        </div>
+                    </el-col>
+                </el-row>
                 {/if}
 
                 {if $auth->check('shopro/dashboard/chart')}
diff --git a/public/assets/js/backend/shopro/dashboard.js b/public/assets/js/backend/shopro/dashboard.js
index c20e5b0..d328833 100644
--- a/public/assets/js/backend/shopro/dashboard.js
+++ b/public/assets/js/backend/shopro/dashboard.js
@@ -47,6 +47,52 @@ define(['jquery', 'bootstrap', 'backend', 'table', 'form', 'moment'], function (
                             role_list: [],
                             role_stats: {}
                         },
+                        finance: {
+                            commission_float: '0.00',
+                            user_balance_float: '0.00',
+                            total_float_funds: '0.00',
+                            total_withdraw_applied: '0.00',
+                            total_withdraw_paid: '0.00',
+                            pending_withdraw_amount: '0.00',
+                            pending_withdraw_count: 0,
+                            withdraw_cash_rate: 0,
+                            total_refund_amount: '0.00',
+                            total_refund_count: 0,
+                            refund_rate: 0,
+                            real_net_cash_flow: '0.00',
+                            pending_voucher_liability: '0.00',
+                            madow_market_liability: '0.00',
+                            commission_liability: '0.00',
+                            total_future_liability: '0.00',
+                        },
+                        operation: {
+                            total_registered: 0,
+                            paid_users_count: 0,
+                            pay_conversion_rate: 0,
+                            single_buy_users_count: 0,
+                            repeat_buy_users_count: 0,
+                            repeat_purchase_rate: 0,
+                            arpu: '0.00',
+                            active_partners: 0,
+                            warning_partners: 0,
+                            frozen_partners: 0,
+                            warning_list: [],
+                            frozen_list: [],
+                            on_sale_goods_count: 0,
+                            total_stock: 0,
+                            low_stock_count: 0,
+                            low_stock_list: [],
+                            health: {
+                                score: 100,
+                                grade: 'S·卓越',
+                                grade_color: '#52c41a',
+                                payout_score: 30,
+                                active_score: 25,
+                                repeat_score: 25,
+                                safety_score: 20,
+                                suggestions: []
+                            }
+                        },
                         total: {
                             user: {
                                 data: {},
@@ -99,6 +145,12 @@ define(['jquery', 'bootstrap', 'backend', 'table', 'form', 'moment'], function (
                             if (res.data.partner_network) {
                                 state.partner = res.data.partner_network;
                             }
+                            if (res.data.finance_overview) {
+                                state.finance = res.data.finance_overview;
+                            }
+                            if (res.data.operation_overview) {
+                                state.operation = res.data.operation_overview;
+                            }
 
                             for (var key in state.total) {
                                 if (state.total[key].data && document.getElementById(`${key}Total`)) {
@@ -762,6 +814,28 @@ define(['jquery', 'bootstrap', 'backend', 'table', 'form', 'moment'], function (
                         onOpenTab(url, '收益明细');
                     }
 
+                    function onOpenWithdraw(status) {
+                        let url = 'shopro/withdraw/index' + (status !== undefined && status !== 'all' ? `?status=${status}` : '');
+                        onOpenTab(url, '提现管理');
+                    }
+
+                    function onOpenGoods(goodsId) {
+                        let url = goodsId ? `shopro/goods/goods/edit?ids=${goodsId}` : 'shopro/goods/goods/index';
+                        onOpenTab(url, goodsId ? '编辑商品' : '商品管理');
+                    }
+
+                    function onOpenStockWarning() {
+                        onOpenTab('shopro/goods/stock_warning/index', '库存预警');
+                    }
+
+                    function onOpenUser() {
+                        onOpenTab('shopro/user/user/index', '会员管理');
+                    }
+
+                    function onOpenAftersale() {
+                        onOpenTab('shopro/order/aftersale/index', '售后维权');
+                    }
+
                     onMounted(() => {
                         Config.cardList.forEach(item => {
                             if (item.name == 'total' && item.status) {
@@ -796,6 +870,11 @@ define(['jquery', 'bootstrap', 'backend', 'table', 'form', 'moment'], function (
                         onOpenDaily,
                         onOpenVoucher,
                         onOpenTab,
+                        onOpenWithdraw,
+                        onOpenGoods,
+                        onOpenStockWarning,
+                        onOpenUser,
+                        onOpenAftersale,
                     }
                 }
             }
diff --git a/tests/partner/DashboardWealthTest.php b/tests/partner/DashboardWealthTest.php
index ae9bc0e..0c15d36 100644
--- a/tests/partner/DashboardWealthTest.php
+++ b/tests/partner/DashboardWealthTest.php
@@ -66,6 +66,7 @@ class DashboardWealthTest
         $this->testChartEmptyDateFallback();
         $this->testRankingPartnerAndDailyData();
         $this->testWealthFinancialFormulaIntegrity();
+        $this->testCfoAndCooOverview();
 
         echo "\n--------------------------------------------------------\n";
         echo "测试执行结果: 通过 {$this->passed} 项, 失败 {$this->failed} 项\n";
@@ -237,6 +238,58 @@ class DashboardWealthTest
             $this->assert($payoutRate == 0, "GMV 为 0 时分成拨比率恒为 0%");
         }
     }
+
+    /**
+     * 测试 7：CFO 财务中枢与 COO 运营全貌数据结构与勾稽
+     */
+    public function testCfoAndCooOverview()
+    {
+        $controller = new TestableDashboard();
+        $controller->total();
+
+        $data = $controller->lastOutput['data'] ?? [];
+        $finance = $data['finance_overview'] ?? null;
+        $operation = $data['operation_overview'] ?? null;
+
+        $this->assert($finance !== null, "total() 返回完整的 finance_overview 财务全貌中枢数据");
+        $this->assert($operation !== null, "total() 返回完整的 operation_overview 运营全貌中枢数据");
+
+        if ($finance) {
+            $this->assert(isset($finance['commission_float']), "财务包含 commission_float 未提现佣金沉淀");
+            $this->assert(isset($finance['total_float_funds']), "财务包含 total_float_funds 免息流动沉淀池");
+            $this->assert(isset($finance['total_withdraw_paid']), "财务包含 total_withdraw_paid 累计已打款出款");
+            $this->assert(isset($finance['pending_withdraw_amount']), "财务包含 pending_withdraw_amount 待审核出款风控资金");
+            $this->assert(isset($finance['real_net_cash_flow']), "财务包含 real_net_cash_flow 真实净现金流");
+            $this->assert(isset($finance['total_future_liability']), "财务包含 total_future_liability 未来承兑准备金");
+
+            $floatDiff = abs((float)$finance['total_float_funds'] - ((float)$finance['commission_float'] + (float)$finance['user_balance_float']));
+            $this->assert($floatDiff < 0.01, "资金浮存勾稽: total_float_funds == commission_float + user_balance_float");
+
+            $liabilityDiff = abs((float)$finance['total_future_liability'] - ((float)$finance['pending_voucher_liability'] + (float)$finance['madow_market_liability'] + (float)$finance['commission_liability']));
+            $this->assert($liabilityDiff < 0.01, "承兑负债勾稽: total_future_liability == pending_voucher + madow_market + commission");
+        }
+
+        if ($operation) {
+            $this->assert(isset($operation['total_registered']), "运营包含 total_registered 注册用户数");
+            $this->assert(isset($operation['paid_users_count']), "运营包含 paid_users_count 付费买家数");
+            $this->assert(isset($operation['pay_conversion_rate']), "运营包含 pay_conversion_rate 付费转化率");
+            $this->assert(isset($operation['repeat_purchase_rate']), "运营包含 repeat_purchase_rate 复购率");
+            $this->assert(isset($operation['arpu']), "运营包含 arpu 付费买家客单贡献");
+            $this->assert(isset($operation['active_partners']), "运营包含 active_partners 活跃合伙人");
+            $this->assert(isset($operation['warning_partners']), "运营包含 warning_partners 7天内即将断档合伙人");
+            $this->assert(isset($operation['frozen_partners']), "运营包含 frozen_partners 已断档冻结合伙人");
+            $this->assert(is_array($operation['warning_list']), "运营包含 warning_list 即将断档人员名单");
+            $this->assert(isset($operation['low_stock_count']), "运营包含 low_stock_count 低库存告急SKU数量");
+            $this->assert(is_array($operation['low_stock_list']), "运营包含 low_stock_list 低库存SKU商品列表");
+            $this->assert(isset($operation['health']['score']), "运营包含经营健康度评分 score");
+            $this->assert(isset($operation['health']['grade']), "运营包含经营健康度评级 grade");
+
+            $this->assert(
+                $operation['paid_users_count'] == ($operation['single_buy_users_count'] + $operation['repeat_buy_users_count']),
+                "用户转化勾稽: paid_users_count({$operation['paid_users_count']}) == single({$operation['single_buy_users_count']}) + repeat({$operation['repeat_buy_users_count']})"
+            );
+        }
+    }
 }
 
 if (php_sapi_name() === 'cli' && basename(__FILE__) == basename($_SERVER['SCRIPT_FILENAME'])) {