修复证件类型刷新后没有下拉选项，修复新单跟进无法保存，增加入账检核下载模板

src/views/financialCenter/financialIncome.vue

@@ -182,7 +182,7 @@
             @click="fileUploadDialogFlag = true;">导入</el-button>
         </el-col>
         <el-col :xs="24" :sm="24" :md="3" :lg="3">
-          <el-button link type="primary">下载导入模板 </el-button>
+          <el-button type="primary" link @click="downloadTemplate">下载模板</el-button>
         </el-col>
       </el-row>
       <el-row :gutter="10">
@@ -303,8 +303,13 @@ import { loadDicts, getDictLabel } from '@/utils/useDict'
 const { proxy } = getCurrentInstance()
 const { csf_expected_commission_status } = proxy.useDict('csf_expected_commission_status')
 const { csf_commission_status } = proxy.useDict('csf_commission_status')
-
-
+const downloadTemplateUrl = 'https://yd-ali-oss.oss-cn-shanghai-finance-1-pub.aliyuncs.com/xlsx/2026/01/26/33f0637762144d58a256f5d8d3c2d2b6.xlsx'
+const downloadTemplate = () => {
+  const link = document.createElement('a')
+  link.href = downloadTemplateUrl // 注意：以 / 开头，指向 public 下的文件
+  link.download = '入账检核导入模板.xlsx' // 设置下载文件名
+  link.click() // 自动触发点击，无需 append 到 DOM（现代浏览器支持）
+}
 const formatRatio = (row, column, cellValue, index) => {
   if (cellValue == null || cellValue == '' || cellValue == 0) {
     return '-'

src/views/sign/underwritingMain/policyDetail.vue

@@ -3,7 +3,7 @@
     <div class="form-page">
         <el-form ref="formRef" :model="localData" label-width="120px" size="default">
             <!-- Tabs -->
-            <el-tabs v-model="activeTab" @tab-click="handleTabClick" @before-leave="handleBeforeLeave">
+            <el-tabs v-model="activeTab" @tab-click="handleTabClick" :before-leave="handleBeforeLeave">
                 <el-tab-pane label="基础信息" name="basic"></el-tab-pane>
                 <el-tab-pane label="产品计划" name="productPlan"></el-tab-pane>
                 <el-tab-pane label="首期缴费" name="firstPayment"></el-tab-pane>
@@ -763,20 +763,40 @@ onMounted(async () => {
     policyInfoFormConfig.value = policyInfoFormConfig ? applyViewMode(policyInfoFormConfig.value, props.mode) : []
 
 })
+// 监听基本信息（basic）
 watch(
-    () => ({
-        ...basicInfoFormData.value,
-        ...policyInfoFormData.value,
-        ...firstPremiumFormData.value,
-        ...postalFormData.value,
-        ...basicPlanFormData.value
-    }),
+    [
+        basicInfoFormData,
+        policyInfoFormData,
+    ],
     () => {
-        console.log('========父组件监听basicPlanFormData的变化', basicPlanFormData.value)
         tabDirty.value.basic = true
     },
     { deep: true }
 )
+// 监听首期保费（firstPayment）
+watch(
+    firstPremiumFormData,
+    () => {
+        tabDirty.value.firstPayment = true
+    },
+    { deep: true }
+)
+// 监听邮寄信息
+watch(
+    postalFormData,
+    () => {
+        tabDirty.value.postal = true
+    },
+    { deep: true })
+// 监听基本计划（productPlan）
+watch(
+    basicPlanFormData,
+    () => {
+        tabDirty.value.productPlan = true
+    },
+    { deep: true }
+)
 // ✅ 监听 localData 变化，emit 出去（用于 v-model）
 watch(
     () => localData.value,
@@ -793,11 +813,11 @@ const activeTab = ref('basic')
 // ✅ 新增：切换前确认
 // ========================
 const handleBeforeLeave = async (newTabName, oldTabName) => {
-    console.log('切换前确认', newTabName, oldTabName)
+    console.log('切换前确认-----------------------', newTabName, oldTabName)
     if (tabDirty.value[oldTabName]) {
         try {
             await ElMessageBox.confirm(
-                `“${getTabLabel(oldTabName)}” 有未保存的内容，确定要切换吗？`,
+                `“${getTabLabel(oldTabName)}” 未提交，确定要切换吗？`,
                 '提示',
                 {
                     confirmButtonText: '继续切换',
@@ -848,7 +868,6 @@ const handleSubmit = () => {
     formRef.value?.validate((valid) => {
         if (valid) {
             console.log('提交数据', introducerTableData.value)
-            savTabList.value.push(activeTab.value)
             if (activeTab.value === 'postal') {
                 emit('submit', { ...postalFormData.value, activeTab: activeTab.value })
             } else if (activeTab.value === 'firstPayment') {