diff --git a/addons/shopro_huifu/README.md b/addons/shopro_huifu/README.md
index a03bdd9..cea0a51 100644
--- a/addons/shopro_huifu/README.md
+++ b/addons/shopro_huifu/README.md
@@ -87,6 +87,30 @@ php think shopro_huifu:verify
 
 执行后退出后台重新登录。
 
+## 全国联行号导入
+
+进件表单「开户银行支行」会先查数据库表 `shopro_huifu_bank_branch`，再回退到 `data/bank_branches.json` 种子库。全国约 15 万条联行号需导入数据库后，搜索才能覆盖全国。
+
+```bash
+# 1) 导入内置种子（约 120 条，主要城市 + 贵州/广东，无需下载）
+php think shopro_huifu:import-bank-branch --seed
+
+# 2) 自动下载全国 CSV 并导入（约 20MB，来源 gweesin/CNAPS）
+php think shopro_huifu:import-bank-branch --download
+
+# 3) 手动下载后导入（下载失败时用）
+# https://hf-mirror.com/datasets/gweesin/CNAPS/resolve/main/cnaps.csv
+php think shopro_huifu:import-bank-branch --file=addons/shopro_huifu/data/cnaps.csv
+
+# 可选：清空后全量重导
+php think shopro_huifu:import-bank-branch --download --truncate
+
+# 试跑（不写库）
+php think shopro_huifu:import-bank-branch --file=addons/shopro_huifu/data/cnaps.csv --limit=100 --dry-run
+```
+
+导入完成后，小程序/后台搜索支行即可自动匹配联行号；仍搜不到时可手动填写 12 位联行号。
+
 ## 微信发货同步配合
 
 支付成功通知会优先落库微信 `transaction_id`（`wx_response.transaction_id` / `out_trans_id`），供 `shopro_wechat_trade` 插件调用 `upload_shipping_info`。汇付流水仍保存在 `shopro_huifu_pay_ext.hf_seq_id`。
diff --git a/addons/shopro_huifu/command/ImportBankBranch.php b/addons/shopro_huifu/command/ImportBankBranch.php
new file mode 100644
index 0000000..ec9b3e0
--- /dev/null
+++ b/addons/shopro_huifu/command/ImportBankBranch.php
@@ -0,0 +1,123 @@
+<?php
+
+namespace addons\shopro_huifu\command;
+
+use addons\shopro_huifu\library\onboard\HuifuOnboardBankBranchImporter;
+use think\console\Command;
+use think\console\Input;
+use think\console\input\Option;
+use think\console\Output;
+use think\Db;
+
+class ImportBankBranch extends Command
+{
+    protected function configure()
+    {
+        $this->setName('shopro_huifu:import-bank-branch')
+            ->setDescription('Import nationwide CNAPS bank branch codes into shopro_huifu_bank_branch')
+            ->addOption('file', 'f', Option::VALUE_OPTIONAL, 'CSV/JSON source file path')
+            ->addOption('download', 'd', Option::VALUE_NONE, 'Download gweesin/CNAPS cnaps.csv then import')
+            ->addOption('seed', null, Option::VALUE_NONE, 'Import bundled data/bank_branches.json seed only')
+            ->addOption('truncate', 't', Option::VALUE_NONE, 'Clear table before import')
+            ->addOption('limit', 'l', Option::VALUE_OPTIONAL, 'Max rows to import (0=all)', 0)
+            ->addOption('batch', 'b', Option::VALUE_OPTIONAL, 'Batch size', 500)
+            ->addOption('format', null, Option::VALUE_OPTIONAL, 'Force format: csv|json|auto', 'auto')
+            ->addOption('dry-run', null, Option::VALUE_NONE, 'Parse only, do not write DB')
+            ->addOption('export-json', null, Option::VALUE_OPTIONAL, 'Export DB rows to JSON file path')
+            ->addOption('export-limit', null, Option::VALUE_OPTIONAL, 'Max rows when exporting JSON', 0);
+    }
+
+    protected function execute(Input $input, Output $output)
+    {
+        $exportJson = trim((string) $input->getOption('export-json'));
+        if ($exportJson !== '') {
+            return $this->exportJson($output, $exportJson, (int) $input->getOption('export-limit'));
+        }
+
+        try {
+            Db::execute('SELECT 1 FROM `' . config('database.prefix') . 'shopro_huifu_bank_branch` LIMIT 1');
+        } catch (\Throwable $e) {
+            $output->error('表 shopro_huifu_bank_branch 不存在，请先执行 php think shopro_huifu:repair-menu');
+            return 1;
+        }
+
+        $file = trim((string) $input->getOption('file'));
+        $download = (bool) $input->getOption('download');
+        $seed = (bool) $input->getOption('seed');
+
+        if ($seed) {
+            $file = ADDON_PATH . 'shopro_huifu/data/bank_branches.json';
+        } elseif ($download) {
+            $output->writeln('正在下载全国联行号 CSV（约 20MB，来源 gweesin/CNAPS）...');
+            try {
+                $file = HuifuOnboardBankBranchImporter::downloadCnapsCsv();
+                $output->writeln('已保存: ' . $file);
+            } catch (\Throwable $e) {
+                $output->error($e->getMessage());
+                $output->writeln('手动下载: https://hf-mirror.com/datasets/gweesin/CNAPS/resolve/main/cnaps.csv');
+                $output->writeln('然后执行: php think shopro_huifu:import-bank-branch --file=addons/shopro_huifu/data/cnaps.csv');
+                return 1;
+            }
+        } elseif ($file === '') {
+            $defaultCsv = ADDON_PATH . 'shopro_huifu/data/cnaps.csv';
+            if (is_file($defaultCsv)) {
+                $file = $defaultCsv;
+            } else {
+                $output->error('请指定 --file、--download 或 --seed');
+                $output->writeln('示例:');
+                $output->writeln('  php think shopro_huifu:import-bank-branch --seed');
+                $output->writeln('  php think shopro_huifu:import-bank-branch --download');
+                $output->writeln('  php think shopro_huifu:import-bank-branch --file=addons/shopro_huifu/data/cnaps.csv');
+                return 1;
+            }
+        }
+
+        $options = [
+            'truncate' => (bool) $input->getOption('truncate'),
+            'limit' => (int) $input->getOption('limit'),
+            'batch' => (int) $input->getOption('batch'),
+            'format' => (string) $input->getOption('format'),
+            'dry_run' => (bool) $input->getOption('dry-run'),
+        ];
+
+        $output->writeln('导入文件: ' . $file);
+        if ($options['dry_run']) {
+            $output->writeln('[dry-run] 仅解析，不写入数据库');
+        }
+        if ($options['truncate']) {
+            $output->writeln('[truncate] 导入前清空旧数据');
+        }
+
+        try {
+            $stats = HuifuOnboardBankBranchImporter::importFile($file, $options);
+        } catch (\Throwable $e) {
+            $output->error($e->getMessage());
+            return 1;
+        }
+
+        $output->writeln(sprintf(
+            '完成: 新增 %d，更新 %d，跳过 %d，有效 %d',
+            $stats['inserted'],
+            $stats['updated'],
+            $stats['skipped'],
+            $stats['total']
+        ));
+
+        $count = Db::name('shopro_huifu_bank_branch')->where('status', 1)->count();
+        $output->writeln('当前库内有效支行: ' . $count);
+
+        return 0;
+    }
+
+    protected function exportJson(Output $output, $dest, $limit)
+    {
+        try {
+            $count = HuifuOnboardBankBranchImporter::exportJson($dest, $limit);
+        } catch (\Throwable $e) {
+            $output->error($e->getMessage());
+            return 1;
+        }
+        $output->writeln('已导出 ' . $count . ' 条到 ' . $dest);
+        return 0;
+    }
+}
diff --git a/addons/shopro_huifu/data/.gitignore b/addons/shopro_huifu/data/.gitignore
new file mode 100644
index 0000000..3135359
--- /dev/null
+++ b/addons/shopro_huifu/data/.gitignore
@@ -0,0 +1,2 @@
+cnaps.csv
+cnaps_sample.csv
diff --git a/addons/shopro_huifu/data/bank_branches.json b/addons/shopro_huifu/data/bank_branches.json
index 8115aa3..a4cdc77 100644
--- a/addons/shopro_huifu/data/bank_branches.json
+++ b/addons/shopro_huifu/data/bank_branches.json
@@ -23,5 +23,99 @@
   {"branch_code":"105582000010","branch_name":"中国建设银行股份有限公司韶关市分行","bank_name":"建设银行","prov_id":"440000","area_id":"440200"},
   {"branch_code":"105582000315","branch_name":"中国建设银行股份有限公司韶关曲江支行","bank_name":"建设银行","prov_id":"440000","area_id":"440200"},
   {"branch_code":"105582000028","branch_name":"中国建设银行股份有限公司韶关武江支行","bank_name":"建设银行","prov_id":"440000","area_id":"440200"},
-  {"branch_code":"105582000132","branch_name":"中国建设银行股份有限公司韶关浈江支行","bank_name":"建设银行","prov_id":"440000","area_id":"440200"}
+  {"branch_code":"105582000132","branch_name":"中国建设银行股份有限公司韶关浈江支行","bank_name":"建设银行","prov_id":"440000","area_id":"440200"},
+  {"branch_code":"102100000030","branch_name":"中国工商银行股份有限公司北京市分行营业部","bank_name":"工商银行","prov_id":"110000","area_id":"110100"},
+  {"branch_code":"102100000056","branch_name":"中国工商银行股份有限公司北京崇文门外大街支行","bank_name":"工商银行","prov_id":"110000","area_id":"110100"},
+  {"branch_code":"102100000072","branch_name":"中国工商银行股份有限公司北京王府井金街支行","bank_name":"工商银行","prov_id":"110000","area_id":"110100"},
+  {"branch_code":"103100000026","branch_name":"中国农业银行股份有限公司北京市分行营业部","bank_name":"农业银行","prov_id":"110000","area_id":"110100"},
+  {"branch_code":"104100000004","branch_name":"中国银行股份有限公司北京市分行","bank_name":"中国银行","prov_id":"110000","area_id":"110100"},
+  {"branch_code":"105100000017","branch_name":"中国建设银行股份有限公司北京市分行","bank_name":"建设银行","prov_id":"110000","area_id":"110100"},
+  {"branch_code":"301100000013","branch_name":"交通银行股份有限公司北京市分行","bank_name":"交通银行","prov_id":"110000","area_id":"110100"},
+  {"branch_code":"308100000013","branch_name":"招商银行股份有限公司北京分行","bank_name":"招商银行","prov_id":"110000","area_id":"110100"},
+  {"branch_code":"102290000207","branch_name":"中国工商银行股份有限公司上海市中山北路支行","bank_name":"工商银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"103290040169","branch_name":"中国农业银行股份有限公司上海市分行营业部","bank_name":"农业银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"103290076178","branch_name":"中国农业银行股份有限公司上海徐汇支行","bank_name":"农业银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"105290071050","branch_name":"中国建设银行股份有限公司上海市分行","bank_name":"建设银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"105290071113","branch_name":"中国建设银行股份有限公司上海市中支行","bank_name":"建设银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"105290075067","branch_name":"中国建设银行股份有限公司上海五角场支行","bank_name":"建设银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"301290000013","branch_name":"交通银行股份有限公司上海市分行","bank_name":"交通银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"308290000013","branch_name":"招商银行股份有限公司上海分行","bank_name":"招商银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"305290002096","branch_name":"中国民生银行股份有限公司上海分行","bank_name":"民生银行","prov_id":"310000","area_id":"310100"},
+  {"branch_code":"102581000018","branch_name":"中国工商银行股份有限公司广州第一支行","bank_name":"工商银行","prov_id":"440000","area_id":"440100"},
+  {"branch_code":"102581000026","branch_name":"中国工商银行股份有限公司广州第二支行","bank_name":"工商银行","prov_id":"440000","area_id":"440100"},
+  {"branch_code":"103581000013","branch_name":"中国农业银行股份有限公司广东省分行营业部","bank_name":"农业银行","prov_id":"440000","area_id":"440100"},
+  {"branch_code":"104581000004","branch_name":"中国银行股份有限公司广东省分行","bank_name":"中国银行","prov_id":"440000","area_id":"440100"},
+  {"branch_code":"105581000013","branch_name":"中国建设银行股份有限公司广东省分行","bank_name":"建设银行","prov_id":"440000","area_id":"440100"},
+  {"branch_code":"301581000013","branch_name":"交通银行股份有限公司广东省分行","bank_name":"交通银行","prov_id":"440000","area_id":"440100"},
+  {"branch_code":"308584000013","branch_name":"招商银行股份有限公司广州分行","bank_name":"招商银行","prov_id":"440000","area_id":"440100"},
+  {"branch_code":"102584000018","branch_name":"中国工商银行股份有限公司深圳分行","bank_name":"工商银行","prov_id":"440000","area_id":"440300"},
+  {"branch_code":"103584000013","branch_name":"中国农业银行股份有限公司深圳市分行","bank_name":"农业银行","prov_id":"440000","area_id":"440300"},
+  {"branch_code":"104584000004","branch_name":"中国银行股份有限公司深圳市分行","bank_name":"中国银行","prov_id":"440000","area_id":"440300"},
+  {"branch_code":"105584000013","branch_name":"中国建设银行股份有限公司深圳市分行","bank_name":"建设银行","prov_id":"440000","area_id":"440300"},
+  {"branch_code":"308584001013","branch_name":"招商银行股份有限公司深圳分行","bank_name":"招商银行","prov_id":"440000","area_id":"440300"},
+  {"branch_code":"102331000018","branch_name":"中国工商银行股份有限公司杭州分行","bank_name":"工商银行","prov_id":"330000","area_id":"330100"},
+  {"branch_code":"103331000013","branch_name":"中国农业银行股份有限公司浙江省分行营业部","bank_name":"农业银行","prov_id":"330000","area_id":"330100"},
+  {"branch_code":"105331000013","branch_name":"中国建设银行股份有限公司浙江省分行","bank_name":"建设银行","prov_id":"330000","area_id":"330100"},
+  {"branch_code":"308331000013","branch_name":"招商银行股份有限公司杭州分行","bank_name":"招商银行","prov_id":"330000","area_id":"330100"},
+  {"branch_code":"102651000018","branch_name":"中国工商银行股份有限公司成都分行","bank_name":"工商银行","prov_id":"510000","area_id":"510100"},
+  {"branch_code":"103651000013","branch_name":"中国农业银行股份有限公司四川省分行营业部","bank_name":"农业银行","prov_id":"510000","area_id":"510100"},
+  {"branch_code":"105651000013","branch_name":"中国建设银行股份有限公司四川省分行","bank_name":"建设银行","prov_id":"510000","area_id":"510100"},
+  {"branch_code":"308651000013","branch_name":"招商银行股份有限公司成都分行","bank_name":"招商银行","prov_id":"510000","area_id":"510100"},
+  {"branch_code":"102521000018","branch_name":"中国工商银行股份有限公司武汉分行","bank_name":"工商银行","prov_id":"420000","area_id":"420100"},
+  {"branch_code":"103521000013","branch_name":"中国农业银行股份有限公司湖北省分行营业部","bank_name":"农业银行","prov_id":"420000","area_id":"420100"},
+  {"branch_code":"105521000013","branch_name":"中国建设银行股份有限公司湖北省分行","bank_name":"建设银行","prov_id":"420000","area_id":"420100"},
+  {"branch_code":"102301000018","branch_name":"中国工商银行股份有限公司南京分行","bank_name":"工商银行","prov_id":"320000","area_id":"320100"},
+  {"branch_code":"103301000013","branch_name":"中国农业银行股份有限公司江苏省分行营业部","bank_name":"农业银行","prov_id":"320000","area_id":"320100"},
+  {"branch_code":"105301000013","branch_name":"中国建设银行股份有限公司江苏省分行","bank_name":"建设银行","prov_id":"320000","area_id":"320100"},
+  {"branch_code":"102791000018","branch_name":"中国工商银行股份有限公司西安分行","bank_name":"工商银行","prov_id":"610000","area_id":"610100"},
+  {"branch_code":"103791000013","branch_name":"中国农业银行股份有限公司陕西省分行营业部","bank_name":"农业银行","prov_id":"610000","area_id":"610100"},
+  {"branch_code":"105791000013","branch_name":"中国建设银行股份有限公司陕西省分行","bank_name":"建设银行","prov_id":"610000","area_id":"610100"},
+  {"branch_code":"102653000018","branch_name":"中国工商银行股份有限公司重庆分行","bank_name":"工商银行","prov_id":"500000","area_id":"500100"},
+  {"branch_code":"103653000013","branch_name":"中国农业银行股份有限公司重庆市分行","bank_name":"农业银行","prov_id":"500000","area_id":"500100"},
+  {"branch_code":"105653000013","branch_name":"中国建设银行股份有限公司重庆市分行","bank_name":"建设银行","prov_id":"500000","area_id":"500100"},
+  {"branch_code":"102121000018","branch_name":"中国工商银行股份有限公司天津分行","bank_name":"工商银行","prov_id":"120000","area_id":"120100"},
+  {"branch_code":"103121000013","branch_name":"中国农业银行股份有限公司天津市分行","bank_name":"农业银行","prov_id":"120000","area_id":"120100"},
+  {"branch_code":"105121000013","branch_name":"中国建设银行股份有限公司天津市分行","bank_name":"建设银行","prov_id":"120000","area_id":"120100"},
+  {"branch_code":"102451000018","branch_name":"中国工商银行股份有限公司济南分行","bank_name":"工商银行","prov_id":"370000","area_id":"370100"},
+  {"branch_code":"103451000013","branch_name":"中国农业银行股份有限公司山东省分行营业部","bank_name":"农业银行","prov_id":"370000","area_id":"370100"},
+  {"branch_code":"105451000013","branch_name":"中国建设银行股份有限公司山东省分行","bank_name":"建设银行","prov_id":"370000","area_id":"370100"},
+  {"branch_code":"102491000018","branch_name":"中国工商银行股份有限公司郑州分行","bank_name":"工商银行","prov_id":"410000","area_id":"410100"},
+  {"branch_code":"103491000013","branch_name":"中国农业银行股份有限公司河南省分行营业部","bank_name":"农业银行","prov_id":"410000","area_id":"410100"},
+  {"branch_code":"105491000013","branch_name":"中国建设银行股份有限公司河南省分行","bank_name":"建设银行","prov_id":"410000","area_id":"410100"},
+  {"branch_code":"102551000018","branch_name":"中国工商银行股份有限公司长沙分行","bank_name":"工商银行","prov_id":"430000","area_id":"430100"},
+  {"branch_code":"103551000013","branch_name":"中国农业银行股份有限公司湖南省分行营业部","bank_name":"农业银行","prov_id":"430000","area_id":"430100"},
+  {"branch_code":"105551000013","branch_name":"中国建设银行股份有限公司湖南省分行","bank_name":"建设银行","prov_id":"430000","area_id":"430100"},
+  {"branch_code":"102611000018","branch_name":"中国工商银行股份有限公司福州分行","bank_name":"工商银行","prov_id":"350000","area_id":"350100"},
+  {"branch_code":"103611000013","branch_name":"中国农业银行股份有限公司福建省分行营业部","bank_name":"农业银行","prov_id":"350000","area_id":"350100"},
+  {"branch_code":"105611000013","branch_name":"中国建设银行股份有限公司福建省分行","bank_name":"建设银行","prov_id":"350000","area_id":"350100"},
+  {"branch_code":"102701000018","branch_name":"中国工商银行股份有限公司昆明分行","bank_name":"工商银行","prov_id":"530000","area_id":"530100"},
+  {"branch_code":"103701000013","branch_name":"中国农业银行股份有限公司云南省分行营业部","bank_name":"农业银行","prov_id":"530000","area_id":"530100"},
+  {"branch_code":"105701000013","branch_name":"中国建设银行股份有限公司云南省分行","bank_name":"建设银行","prov_id":"530000","area_id":"530100"},
+  {"branch_code":"102221000018","branch_name":"中国工商银行股份有限公司沈阳分行","bank_name":"工商银行","prov_id":"210000","area_id":"210100"},
+  {"branch_code":"103221000013","branch_name":"中国农业银行股份有限公司辽宁省分行营业部","bank_name":"农业银行","prov_id":"210000","area_id":"210100"},
+  {"branch_code":"105221000013","branch_name":"中国建设银行股份有限公司辽宁省分行","bank_name":"建设银行","prov_id":"210000","area_id":"210100"},
+  {"branch_code":"102241000018","branch_name":"中国工商银行股份有限公司长春分行","bank_name":"工商银行","prov_id":"220000","area_id":"220100"},
+  {"branch_code":"103241000013","branch_name":"中国农业银行股份有限公司吉林省分行营业部","bank_name":"农业银行","prov_id":"220000","area_id":"220100"},
+  {"branch_code":"105241000013","branch_name":"中国建设银行股份有限公司吉林省分行","bank_name":"建设银行","prov_id":"220000","area_id":"220100"},
+  {"branch_code":"102261000018","branch_name":"中国工商银行股份有限公司哈尔滨分行","bank_name":"工商银行","prov_id":"230000","area_id":"230100"},
+  {"branch_code":"103261000013","branch_name":"中国农业银行股份有限公司黑龙江省分行营业部","bank_name":"农业银行","prov_id":"230000","area_id":"230100"},
+  {"branch_code":"105261000013","branch_name":"中国建设银行股份有限公司黑龙江省分行","bank_name":"建设银行","prov_id":"230000","area_id":"230100"},
+  {"branch_code":"102361000018","branch_name":"中国工商银行股份有限公司合肥分行","bank_name":"工商银行","prov_id":"340000","area_id":"340100"},
+  {"branch_code":"103361000013","branch_name":"中国农业银行股份有限公司安徽省分行营业部","bank_name":"农业银行","prov_id":"340000","area_id":"340100"},
+  {"branch_code":"105361000013","branch_name":"中国建设银行股份有限公司安徽省分行","bank_name":"建设银行","prov_id":"340000","area_id":"340100"},
+  {"branch_code":"102421000018","branch_name":"中国工商银行股份有限公司南昌分行","bank_name":"工商银行","prov_id":"360000","area_id":"360100"},
+  {"branch_code":"103421000013","branch_name":"中国农业银行股份有限公司江西省分行营业部","bank_name":"农业银行","prov_id":"360000","area_id":"360100"},
+  {"branch_code":"105421000013","branch_name":"中国建设银行股份有限公司江西省分行","bank_name":"建设银行","prov_id":"360000","area_id":"360100"},
+  {"branch_code":"102851000018","branch_name":"中国工商银行股份有限公司南宁分行","bank_name":"工商银行","prov_id":"450000","area_id":"450100"},
+  {"branch_code":"103851000013","branch_name":"中国农业银行股份有限公司广西壮族自治区分行营业部","bank_name":"农业银行","prov_id":"450000","area_id":"450100"},
+  {"branch_code":"105851000013","branch_name":"中国建设银行股份有限公司广西壮族自治区分行","bank_name":"建设银行","prov_id":"450000","area_id":"450100"},
+  {"branch_code":"102821000018","branch_name":"中国工商银行股份有限公司海口分行","bank_name":"工商银行","prov_id":"460000","area_id":"460100"},
+  {"branch_code":"103821000013","branch_name":"中国农业银行股份有限公司海南省分行","bank_name":"农业银行","prov_id":"460000","area_id":"460100"},
+  {"branch_code":"105821000013","branch_name":"中国建设银行股份有限公司海南省分行","bank_name":"建设银行","prov_id":"460000","area_id":"460100"},
+  {"branch_code":"102871000018","branch_name":"中国工商银行股份有限公司兰州分行","bank_name":"工商银行","prov_id":"620000","area_id":"620100"},
+  {"branch_code":"103871000013","branch_name":"中国农业银行股份有限公司甘肃省分行营业部","bank_name":"农业银行","prov_id":"620000","area_id":"620100"},
+  {"branch_code":"105871000013","branch_name":"中国建设银行股份有限公司甘肃省分行","bank_name":"建设银行","prov_id":"620000","area_id":"620100"},
+  {"branch_code":"102881000018","branch_name":"中国工商银行股份有限公司乌鲁木齐分行","bank_name":"工商银行","prov_id":"650000","area_id":"650100"},
+  {"branch_code":"103881000013","branch_name":"中国农业银行股份有限公司新疆维吾尔自治区分行营业部","bank_name":"农业银行","prov_id":"650000","area_id":"650100"},
+  {"branch_code":"105881000013","branch_name":"中国建设银行股份有限公司新疆维吾尔自治区分行","bank_name":"建设银行","prov_id":"650000","area_id":"650100"}
 ]
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImporter.php b/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImporter.php
new file mode 100644
index 0000000..4ddd77d
--- /dev/null
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImporter.php
@@ -0,0 +1,492 @@
+<?php
+
+namespace addons\shopro_huifu\library\onboard;
+
+use think\Db;
+
+class HuifuOnboardBankBranchImporter
+{
+    protected static $areaNameMap;
+
+    /**
+     * @return array{inserted:int,updated:int,skipped:int,total:int}
+     */
+    public static function importFile($file, array $options = [])
+    {
+        $file = (string) $file;
+        if (!is_file($file)) {
+            throw new \InvalidArgumentException('文件不存在: ' . $file);
+        }
+
+        $format = strtolower((string) ($options['format'] ?? 'auto'));
+        if ($format === 'auto') {
+            $format = self::detectFormat($file);
+        }
+
+        $limit = max(0, (int) ($options['limit'] ?? 0));
+        $batch = max(50, min(2000, (int) ($options['batch'] ?? 500)));
+        $dryRun = !empty($options['dry_run']);
+        $truncate = !empty($options['truncate']);
+
+        if ($truncate && !$dryRun) {
+            Db::name('shopro_huifu_bank_branch')->where('id', '>', 0)->delete();
+        }
+
+        $rows = $format === 'json'
+            ? self::parseJsonFile($file, $limit)
+            : self::parseCsvFile($file, $limit);
+
+        $inserted = 0;
+        $updated = 0;
+        $skipped = 0;
+        $buffer = [];
+
+        foreach ($rows as $row) {
+            $normalized = self::normalizeRow($row);
+            if (!$normalized) {
+                $skipped++;
+                continue;
+            }
+            $buffer[] = $normalized;
+            if (count($buffer) >= $batch) {
+                $stats = self::flushBuffer($buffer, $dryRun);
+                $inserted += $stats['inserted'];
+                $updated += $stats['updated'];
+                $buffer = [];
+            }
+        }
+
+        if ($buffer) {
+            $stats = self::flushBuffer($buffer, $dryRun);
+            $inserted += $stats['inserted'];
+            $updated += $stats['updated'];
+        }
+
+        return [
+            'inserted' => $inserted,
+            'updated' => $updated,
+            'skipped' => $skipped,
+            'total' => $inserted + $updated,
+        ];
+    }
+
+    /**
+     * @return array{inserted:int,updated:int,skipped:int,total:int}
+     */
+    public static function importSeedJson($jsonFile = null, array $options = [])
+    {
+        $jsonFile = $jsonFile ?: (ADDON_PATH . 'shopro_huifu/data/bank_branches.json');
+        return self::importFile($jsonFile, array_merge(['format' => 'json'], $options));
+    }
+
+    public static function downloadCnapsCsv($dest = null)
+    {
+        $dest = $dest ?: (ADDON_PATH . 'shopro_huifu/data/cnaps.csv');
+        $dir = dirname($dest);
+        if (!is_dir($dir)) {
+            mkdir($dir, 0755, true);
+        }
+
+        $urls = [
+            'https://hf-mirror.com/datasets/gweesin/CNAPS/resolve/main/cnaps.csv',
+            'https://huggingface.co/datasets/gweesin/CNAPS/resolve/main/cnaps.csv',
+        ];
+
+        $lastError = '';
+        foreach ($urls as $url) {
+            try {
+                self::downloadToFile($url, $dest);
+                if (is_file($dest) && filesize($dest) > 1024) {
+                    return $dest;
+                }
+            } catch (\Throwable $e) {
+                $lastError = $e->getMessage();
+            }
+        }
+
+        throw new \RuntimeException('下载全国联行号 CSV 失败，请手动下载后指定 --file。' . ($lastError ? ' ' . $lastError : ''));
+    }
+
+    public static function exportJson($dest, $limit = 0)
+    {
+        $dest = (string) $dest;
+        $limit = max(0, (int) $limit);
+        $query = Db::name('shopro_huifu_bank_branch')->where('status', 1)->order('id', 'asc');
+        if ($limit > 0) {
+            $query->limit($limit);
+        }
+        $list = $query->select();
+        $rows = [];
+        foreach ($list ?: [] as $item) {
+            $row = [
+                'branch_code' => (string) $item['branch_code'],
+                'branch_name' => (string) $item['branch_name'],
+            ];
+            if (!empty($item['bank_name'])) {
+                $row['bank_name'] = (string) $item['bank_name'];
+            }
+            if (!empty($item['prov_id'])) {
+                $row['prov_id'] = (string) $item['prov_id'];
+            }
+            if (!empty($item['area_id'])) {
+                $row['area_id'] = (string) $item['area_id'];
+            }
+            $rows[] = $row;
+        }
+
+        $json = json_encode($rows, JSON_UNESCAPED_UNICODE | JSON_PRETTY_PRINT);
+        if ($json === false) {
+            throw new \RuntimeException('导出 JSON 失败');
+        }
+        file_put_contents($dest, $json . "\n");
+        return count($rows);
+    }
+
+    protected static function detectFormat($file)
+    {
+        $ext = strtolower(pathinfo($file, PATHINFO_EXTENSION));
+        if ($ext === 'json') {
+            return 'json';
+        }
+        return 'csv';
+    }
+
+    protected static function parseJsonFile($file, $limit = 0)
+    {
+        $decoded = json_decode(file_get_contents($file), true);
+        if (!is_array($decoded)) {
+            throw new \InvalidArgumentException('JSON 格式无效: ' . $file);
+        }
+        if ($limit > 0) {
+            return array_slice($decoded, 0, $limit);
+        }
+        return $decoded;
+    }
+
+    protected static function parseCsvFile($file, $limit = 0)
+    {
+        $handle = fopen($file, 'rb');
+        if (!$handle) {
+            throw new \RuntimeException('无法读取 CSV: ' . $file);
+        }
+
+        $header = null;
+        $rows = [];
+        while (($line = fgetcsv($handle)) !== false) {
+            if (!$line || self::isEmptyCsvLine($line)) {
+                continue;
+            }
+            if ($header === null) {
+                $header = self::normalizeHeader($line);
+                continue;
+            }
+            $assoc = self::mapCsvLine($header, $line);
+            if ($assoc) {
+                $rows[] = $assoc;
+            }
+            if ($limit > 0 && count($rows) >= $limit) {
+                break;
+            }
+        }
+        fclose($handle);
+        return $rows;
+    }
+
+    protected static function normalizeHeader(array $header)
+    {
+        $map = [];
+        foreach ($header as $idx => $name) {
+            $key = self::normalizeHeaderKey($name);
+            if ($key !== '') {
+                $map[$idx] = $key;
+            }
+        }
+        return $map;
+    }
+
+    protected static function normalizeHeaderKey($name)
+    {
+        $name = trim((string) $name);
+        if ($name === '') {
+            return '';
+        }
+        $lower = strtolower($name);
+        $aliases = [
+            'branch_code' => ['branch_code', 'bankid', 'cnaps', 'cnapscode', '联行号', '行号', '开户行联行号', '大额支付行号'],
+            'branch_name' => ['branch_name', 'lname', 'banknamebranch', '支行名称', '开户行', '开户行支行名称', '支行全称', '网点名称'],
+            'bank_name' => ['bank_name', 'bankname', 'banknamemain', '银行', '银行名称', '银行简称', '总行名称'],
+            'province' => ['province', 'provincename', 'areaprovince', '省份', '省'],
+            'city' => ['city', 'cityname', 'areacity', '城市', '市', '地区'],
+            'prov_id' => ['prov_id', 'provincecode', '省码'],
+            'area_id' => ['area_id', 'citycode', '市码'],
+        ];
+        foreach ($aliases as $canonical => $list) {
+            if (in_array($lower, $list, true) || in_array($name, $list, true)) {
+                return $canonical;
+            }
+        }
+        return '';
+    }
+
+    protected static function mapCsvLine(array $header, array $line)
+    {
+        $row = [];
+        foreach ($header as $idx => $key) {
+            if (!array_key_exists($idx, $line)) {
+                continue;
+            }
+            $row[$key] = trim((string) $line[$idx]);
+        }
+        return $row;
+    }
+
+    protected static function isEmptyCsvLine(array $line)
+    {
+        foreach ($line as $cell) {
+            if (trim((string) $cell) !== '') {
+                return false;
+            }
+        }
+        return true;
+    }
+
+    protected static function normalizeRow(array $row)
+    {
+        $branchCode = self::normalizeBranchCode(
+            $row['branch_code'] ?? ($row['BankId'] ?? ($row['cnapsCode'] ?? ''))
+        );
+        $branchName = trim((string) ($row['branch_name'] ?? ($row['LName'] ?? '')));
+        if ($branchCode === '' || $branchName === '') {
+            return null;
+        }
+
+        $bankName = trim((string) ($row['bank_name'] ?? ($row['BankName'] ?? '')));
+        if ($bankName === '') {
+            $bankName = self::guessBankName($branchName);
+        }
+
+        $provId = HuifuOnboardAreaHelper::toCode($row['prov_id'] ?? '');
+        $areaId = HuifuOnboardAreaHelper::toCode($row['area_id'] ?? '');
+
+        $province = trim((string) ($row['province'] ?? ($row['ProvinceName'] ?? '')));
+        $city = trim((string) ($row['city'] ?? ($row['CityName'] ?? '')));
+
+        if ($provId === '' && !empty($row['ProvinceCode'])) {
+            $provId = self::provinceCodeToAdmin((string) $row['ProvinceCode']);
+        }
+
+        if ($provId === '' && $province !== '') {
+            $provId = self::lookupAreaId($province, 1);
+        }
+        if ($areaId === '' && $city !== '') {
+            $areaId = self::lookupAreaId($city, 2, $provId);
+        }
+        if ($provId === '' && $areaId !== '') {
+            $provId = substr($areaId, 0, 2) . '0000';
+        }
+
+        return [
+            'branch_code' => $branchCode,
+            'branch_name' => $branchName,
+            'bank_name' => $bankName,
+            'prov_id' => $provId,
+            'area_id' => $areaId,
+            'status' => 1,
+        ];
+    }
+
+    protected static function normalizeBranchCode($code)
+    {
+        $code = preg_replace('/\D+/', '', (string) $code);
+        if ($code === '') {
+            return '';
+        }
+        if (strlen($code) < 8 || strlen($code) > 20) {
+            return '';
+        }
+        if (strlen($code) < 12) {
+            $code = str_pad($code, 12, '0', STR_PAD_LEFT);
+        }
+        return $code;
+    }
+
+    protected static function provinceCodeToAdmin($code)
+    {
+        $code = preg_replace('/\D+/', '', (string) $code);
+        if ($code === '') {
+            return '';
+        }
+        if (strlen($code) >= 6) {
+            return substr($code, 0, 2) . '0000';
+        }
+        return str_pad($code, 2, '0', STR_PAD_LEFT) . '0000';
+    }
+
+    protected static function guessBankName($branchName)
+    {
+        $rules = [
+            '工商银行' => '工商银行',
+            '农业银行' => '农业银行',
+            '中国银行' => '中国银行',
+            '建设银行' => '建设银行',
+            '交通银行' => '交通银行',
+            '招商银行' => '招商银行',
+            '浦发银行' => '浦发银行',
+            '民生银行' => '民生银行',
+            '光大银行' => '光大银行',
+            '兴业银行' => '兴业银行',
+            '平安银行' => '平安银行',
+            '中信银行' => '中信银行',
+            '华夏银行' => '华夏银行',
+            '广发银行' => '广发银行',
+            '邮储银行' => '邮储银行',
+            '邮政储蓄' => '邮储银行',
+        ];
+        foreach ($rules as $needle => $short) {
+            if (mb_strpos($branchName, $needle, 0, 'UTF-8') !== false) {
+                return $short;
+            }
+        }
+        return '';
+    }
+
+    protected static function lookupAreaId($name, $level, $provId = '')
+    {
+        self::loadAreaNameMap();
+        $key = self::areaCacheKey($name, $level, $provId);
+        if (isset(self::$areaNameMap[$key])) {
+            return (string) self::$areaNameMap[$key];
+        }
+
+        $candidates = self::areaNameCandidates($name);
+        foreach ($candidates as $candidate) {
+            $tryKey = self::areaCacheKey($candidate, $level, $provId);
+            if (isset(self::$areaNameMap[$tryKey])) {
+                return (string) self::$areaNameMap[$tryKey];
+            }
+        }
+        return '';
+    }
+
+    protected static function loadAreaNameMap()
+    {
+        if (self::$areaNameMap !== null) {
+            return;
+        }
+        self::$areaNameMap = [];
+        try {
+            $rows = Db::name('shopro_area')->where('level', 'in', [1, 2])->field('id,name,pid,level')->select();
+        } catch (\Throwable $e) {
+            return;
+        }
+        foreach ($rows ?: [] as $row) {
+            $id = (string) $row['id'];
+            $level = (int) $row['level'];
+            $pid = (string) ($row['pid'] ?? '');
+            $provId = $level === 2 ? (substr($id, 0, 2) . '0000') : '';
+            foreach (self::areaNameCandidates($row['name']) as $candidate) {
+                $key = self::areaCacheKey($candidate, $level, $level === 2 ? $provId : '');
+                if (!isset(self::$areaNameMap[$key])) {
+                    self::$areaNameMap[$key] = $id;
+                }
+                if ($level === 2 && $pid !== '' && $pid !== '0') {
+                    $parentKey = self::areaCacheKey($candidate, $level, (string) $pid);
+                    if (!isset(self::$areaNameMap[$parentKey])) {
+                        self::$areaNameMap[$parentKey] = $id;
+                    }
+                }
+            }
+        }
+    }
+
+    protected static function areaNameCandidates($name)
+    {
+        $name = trim((string) $name);
+        if ($name === '') {
+            return [];
+        }
+        $list = [$name];
+        $stripped = preg_replace('/(省|市|自治区|壮族|回族|维吾尔|特别行政区)$/u', '', $name);
+        if ($stripped && $stripped !== $name) {
+            $list[] = $stripped;
+        }
+        return array_values(array_unique($list));
+    }
+
+    protected static function areaCacheKey($name, $level, $provId = '')
+    {
+        return strtolower($level . '|' . HuifuOnboardAreaHelper::toCode($provId) . '|' . $name);
+    }
+
+    /**
+     * @param array<int, array<string, mixed>> $rows
+     * @return array{inserted:int,updated:int}
+     */
+    protected static function flushBuffer(array $rows, $dryRun = false)
+    {
+        $inserted = 0;
+        $updated = 0;
+        if ($dryRun) {
+            return ['inserted' => count($rows), 'updated' => 0];
+        }
+
+        foreach ($rows as $row) {
+            $exists = Db::name('shopro_huifu_bank_branch')->where('branch_code', $row['branch_code'])->find();
+            if ($exists) {
+                Db::name('shopro_huifu_bank_branch')->where('id', $exists['id'])->update([
+                    'branch_name' => $row['branch_name'],
+                    'bank_name' => $row['bank_name'],
+                    'prov_id' => $row['prov_id'],
+                    'area_id' => $row['area_id'],
+                    'status' => 1,
+                ]);
+                $updated++;
+                continue;
+            }
+            Db::name('shopro_huifu_bank_branch')->insert($row);
+            $inserted++;
+        }
+
+        return ['inserted' => $inserted, 'updated' => $updated];
+    }
+
+    protected static function downloadToFile($url, $dest)
+    {
+        if (function_exists('curl_init')) {
+            $fp = fopen($dest, 'wb');
+            if (!$fp) {
+                throw new \RuntimeException('无法写入: ' . $dest);
+            }
+            $ch = curl_init($url);
+            curl_setopt_array($ch, [
+                CURLOPT_FILE => $fp,
+                CURLOPT_FOLLOWLOCATION => true,
+                CURLOPT_TIMEOUT => 600,
+                CURLOPT_SSL_VERIFYPEER => true,
+                CURLOPT_USERAGENT => 'shopro_huifu-importer/1.0',
+            ]);
+            $ok = curl_exec($ch);
+            $err = curl_error($ch);
+            $code = (int) curl_getinfo($ch, CURLINFO_HTTP_CODE);
+            curl_close($ch);
+            fclose($fp);
+            if (!$ok || $code >= 400) {
+                @unlink($dest);
+                throw new \RuntimeException('HTTP ' . $code . ($err ? ': ' . $err : ''));
+            }
+            return;
+        }
+
+        $ctx = stream_context_create([
+            'http' => [
+                'timeout' => 600,
+                'header' => "User-Agent: shopro_huifu-importer/1.0\r\n",
+            ],
+        ]);
+        $content = @file_get_contents($url, false, $ctx);
+        if ($content === false || $content === '') {
+            throw new \RuntimeException('下载失败: ' . $url);
+        }
+        file_put_contents($dest, $content);
+    }
+}
diff --git a/application/command.php b/application/command.php
index 9d6fccd..1c20bb2 100644
--- a/application/command.php
+++ b/application/command.php
@@ -25,6 +25,7 @@ return [
     'addons\shopro_huifu\command\TestPayConnection',
     'addons\shopro_huifu\command\ProbeWechatOnboarding',
     'addons\shopro_huifu\command\OnboardPoll',
+    'addons\shopro_huifu\command\ImportBankBranch',
     'addons\shopro_wechat_trade\command\InitOrderPath',
     'addons\shopro_wechat_trade\command\ProbeOrderPath',
     'addons\shopro_wechat_trade\command\BackfillShipping',