diff --git a/backend/prisma/schema.prisma b/backend/prisma/schema.prisma
index b0f01e3..ff57145 100644
--- a/backend/prisma/schema.prisma
+++ b/backend/prisma/schema.prisma
@@ -140,6 +140,7 @@ model Organization {
   esignTrainingEnabled Boolean @default(false) // 培训记录电子签
   esignPerformanceEnabled Boolean @default(false) // 绩效考核电子签
   esignDisciplinaryEnabled Boolean @default(false) // 违纪记录电子签
+  socialInsCutoffDay  Int      @default(15)       // 社保/公积金截止日：每月该日前离职→截止月=离职月-1，该日后→截止月=离职月
   createdAt    DateTime @default(now())
   updatedAt    DateTime @updatedAt
 
diff --git a/backend/src/schemas/termination.schema.ts b/backend/src/schemas/termination.schema.ts
index 826cf00..66ffd01 100644
--- a/backend/src/schemas/termination.schema.ts
+++ b/backend/src/schemas/termination.schema.ts
@@ -44,7 +44,9 @@ export const createTerminationDraftSchema = z.object({
   reason: z.string().max(200).optional(),
   terminationDate: z.string().optional(),
   compensation: z.number().min(0).optional(),
+  compensationBreakdown: z.any().optional(),
   handoverItems: z.array(z.any()).optional(),
+  checklistOverrides: z.any().optional(),
   remark: z.string().max(500).optional(),
 })
 
@@ -52,6 +54,8 @@ export const updateTerminationDraftSchema = z.object({
   reason: z.string().max(200).optional(),
   terminationDate: z.string().optional(),
   compensation: z.number().min(0).optional(),
+  compensationBreakdown: z.any().optional(),
   handoverItems: z.array(z.any()).optional(),
+  checklistOverrides: z.any().optional(),
   remark: z.string().max(500).optional(),
 })
diff --git a/backend/src/services/termination.service.ts b/backend/src/services/termination.service.ts
index b5508eb..3845dfc 100644
--- a/backend/src/services/termination.service.ts
+++ b/backend/src/services/termination.service.ts
@@ -8,6 +8,13 @@ function dateToMonth(date: Date): string {
   return `${y}-${m}`
 }
 
+/** 计算上一个月，格式 YYYY-MM */
+function prevMonth(month: string): string {
+  const [y, m] = month.split('-').map(Number)
+  if (m === 1) return `${y - 1}-12`
+  return `${y}-${String(m - 1).padStart(2, '0')}`
+}
+
 export interface ChecklistItem {
   key: string
   label: string
@@ -572,6 +579,26 @@ export async function createDraft(orgId: string, userId: string, data: any) {
 
   const { level } = assessRisk(employee, data.reason || 'NEGOTIATED')
 
+  // 自动推导社保/公积金截止月（基于组织 socialInsCutoffDay 配置）
+  let socialInsEndMonth = data.socialInsEndMonth || null
+  let housingFundEndMonth = data.housingFundEndMonth || null
+  if (data.terminationDate && !socialInsEndMonth) {
+    const org = await prisma.organization.findUnique({ where: { id: orgId }, select: { socialInsCutoffDay: true } })
+    const cutoffDay = org?.socialInsCutoffDay ?? 15
+    const termDate = new Date(data.terminationDate)
+    const termDay = termDate.getDate()
+    const termMonth = dateToMonth(termDate)
+    // cutoffDay 日前离职 → 截止月 = 离职月 - 1；cutoffDay 日后离职 → 截止月 = 离职月
+    if (termDay <= cutoffDay) {
+      const prevMon = prevMonth(termMonth)
+      socialInsEndMonth = prevMon
+      housingFundEndMonth = prevMon
+    } else {
+      socialInsEndMonth = termMonth
+      housingFundEndMonth = termMonth
+    }
+  }
+
   const record = await prisma.terminationRecord.create({
     data: {
       orgId,
@@ -581,8 +608,8 @@ export async function createDraft(orgId: string, userId: string, data: any) {
       terminationDate: data.terminationDate ? new Date(data.terminationDate) : new Date(),
       resignationReason: data.resignationReason || null,
       compensation: data.compensation || 0,
-      socialInsEndMonth: data.socialInsEndMonth || null,
-      housingFundEndMonth: data.housingFundEndMonth || null,
+      socialInsEndMonth,
+      housingFundEndMonth,
       riskLevel: level,
       checklist: data.checklist || {},
       remark: data.remark || null,
diff --git a/frontend/src/components/layout/Breadcrumb.tsx b/frontend/src/components/layout/Breadcrumb.tsx
index cf45252..705f5a9 100644
--- a/frontend/src/components/layout/Breadcrumb.tsx
+++ b/frontend/src/components/layout/Breadcrumb.tsx
@@ -15,7 +15,7 @@ const ROUTE_MAP: Record<string, BreadcrumbItem> = {
   '/': { group: '工作台', label: '总览' },
   '/calendar': { group: '工作台', label: '工作日历' },
   '/roster': { group: '员工管理', label: '花名册' },
-  '/work-process': { group: '员工管理', label: '用工办理' },
+  '/work-process': { group: '员工管理', label: '批量流程' },
   '/attendance': { group: '员工管理', label: '考勤确认' },
   '/leave-approval': { group: '员工管理', label: '休假审批' },
   '/termination': { group: '员工管理', label: '解聘补偿' },