diff --git a/web/src/views/RiskRules.vue b/web/src/views/RiskRules.vue
index 0ef5e95..47df22d 100644
--- a/web/src/views/RiskRules.vue
+++ b/web/src/views/RiskRules.vue
@@ -26,71 +26,202 @@
     </el-table>
   </div>
 
-  <!-- 编辑模式：全屏双栏 -->
+  <!-- 编辑模式：卡片式可视化 -->
   <div v-else style="display:flex;flex-direction:column;height:calc(100vh - 80px)">
-    <div style="display:flex;justify-content:space-between;align-items:center;margin-bottom:8px">
-      <h2 style="margin:0">编辑: {{ editType }}</h2>
+    <!-- 顶部工具栏 -->
+    <div style="display:flex;justify-content:space-between;align-items:center;margin-bottom:10px;flex-shrink:0">
+      <div style="display:flex;align-items:center;gap:12px">
+        <h2 style="margin:0">编辑: {{ editType }}</h2>
+        <el-tag size="small" type="info">{{ parsed.length }} 条规则</el-tag>
+      </div>
       <div style="display:flex;gap:8px">
+        <el-button size="small" @click="showJson = !showJson">
+          <el-icon style="margin-right:4px"><component :is="showJson ? 'Hide' : 'View'"/></el-icon>
+          {{ showJson ? '收起' : 'JSON' }}
+        </el-button>
+        <el-button size="small" @click="showPresets = true">模板</el-button>
         <el-button size="small" type="primary" @click="saveRules" :loading="saving">保存</el-button>
         <el-button size="small" @click="uploadRules" :loading="uploading">上传</el-button>
         <el-button size="small" @click="editType=''">返回列表</el-button>
       </div>
     </div>
+
+    <!-- 主体：卡片列表 + JSON（可选展开） -->
     <div style="display:flex;gap:12px;flex:1;min-height:0">
-      <div style="flex:0 0 400px;display:flex;flex-direction:column;min-height:0">
+      <!-- 左侧：规则卡片列表 -->
+      <div :style="{flex:showJson?'0 0 60%':'1',overflow:'auto',minHeight:0,paddingRight:'4px'}">
+        <!-- 添加按钮 + 快速模板 -->
+        <div style="display:flex;gap:8px;align-items:center;margin-bottom:10px;flex-wrap:wrap">
+          <el-button size="small" type="primary" @click="addRule">
+            <el-icon style="margin-right:2px"><Plus /></el-icon>添加规则
+          </el-button>
+          <el-dropdown @command="addPreset">
+            <el-button size="small">从模板添加<el-icon style="margin-left:2px"><ArrowDown /></el-icon></el-button>
+            <template #dropdown>
+              <el-dropdown-menu>
+                <el-dropdown-item v-for="p in presets" :key="p.name" :command="p">
+                  <span style="font-size:12px">{{ p.name }}</span>
+                </el-dropdown-item>
+              </el-dropdown-menu>
+            </template>
+          </el-dropdown>
+          <span v-if="!parsed.length" style="color:#909399;font-size:13px">— 该类型暂无规则，请添加或从模板导入</span>
+        </div>
+
+        <!-- 规则卡片 -->
+        <div v-if="parsed.length" style="display:flex;flex-direction:column;gap:10px">
+          <div v-for="(rule, idx) in parsed" :key="idx"
+            :class="['rule-card', rule.level.toLowerCase()]"
+            :draggable="true"
+            @dragstart="onDragStart($event, idx)"
+            @dragover.prevent="onDragOver($event, idx)"
+            @dragend="dragIdx = null"
+            @drop="onDrop($event, idx)"
+          >
+            <!-- 卡片头部 -->
+            <div class="card-header">
+              <div class="card-header-left">
+                <!-- 拖拽手柄 -->
+                <el-icon class="drag-handle"><Rank /></el-icon>
+                <!-- 级别标签 -->
+                <el-select v-model="rule.level" size="small" @change="sync" style="width:90px">
+                  <el-option v-for="x in levelOptions" :key="x.value" :label="x.label" :value="x.value">
+                    <span :style="{color:levelColor(x.value),fontWeight:600}">{{ x.label }}</span>
+                  </el-option>
+                </el-select>
+                <!-- 类型标签 -->
+                <el-select v-model="rule.type" size="small" @change="sync" style="width:100px">
+                  <el-option v-for="x in typeOptions" :key="x.value" :label="x.label" :value="x.value" />
+                </el-select>
+                <!-- 规则名称 -->
+                <el-input v-model="rule.name" size="small" placeholder="规则名称" @input="sync" style="width:160px" />
+              </div>
+              <div class="card-header-right">
+                <span class="rule-index">#{{ idx + 1 }}</span>
+                <el-button size="small" type="danger" text @click="confirmRemove(idx)" :icon="Delete" circle />
+              </div>
+            </div>
+
+            <!-- 卡片正文：自然语言描述 -->
+            <div class="card-body">
+              <div class="condition-row">
+                <span class="condition-label">触发条件</span>
+                <span class="condition-text">当</span>
+                <el-input v-model="rule.metric" size="small" placeholder="指标名" @input="sync" style="width:110px" />
+                <el-select v-model="rule.condition" size="small" @change="sync" style="width:110px">
+                  <el-option v-for="x in condOptions" :key="x.value" :label="x.label" :value="x.value" />
+                </el-select>
+                <el-input v-model.number="rule.threshold" size="small" type="number" placeholder="阈值" @input="sync" style="width:90px" />
+                <el-input v-model="rule.unit" size="small" placeholder="单位" @input="sync" style="width:70px" />
+                <span class="condition-label then-arrow">→</span>
+                <span :style="{color:levelColor(rule.level),fontWeight:600}">{{ levelText(rule.level) }}</span>
+              </div>
+              <!-- 规则描述 -->
+              <div class="description-row" v-if="showDesc[idx] || rule.description">
+                <el-input v-model="rule.description" size="small" placeholder="规则说明（可选）" @input="sync" style="flex:1" />
+              </div>
+            </div>
+          </div>
+        </div>
+      </div>
+
+      <!-- 右侧：JSON 编辑器（可折叠） -->
+      <div v-if="showJson" style="flex:0 0 38%;display:flex;flex-direction:column;min-height:0">
         <div style="font-size:13px;font-weight:500;margin-bottom:4px">JSON 配置</div>
         <div style="flex:1;min-height:0;border-radius:4px;overflow:hidden">
           <CodeEditor v-model="editorJson" language="json" />
         </div>
       </div>
-      <div style="flex:1;overflow:auto;min-height:0">
-        <div style="font-size:13px;font-weight:500;margin-bottom:4px">双向可视化</div>
-        <el-table :data="parsed" stripe border style="font-size:13px" :row-style="{height:'42px'}" v-if="parsed.length">
-          <el-table-column label="级别" width="80">
-            <template #default="s"><el-select v-model="s.row.level" size="small" @change="sync"><el-option v-for="x in ['CRITICAL','WARN','INFO']" :key="x" :label="x" :value="x"/></el-select></template>
-          </el-table-column>
-          <el-table-column label="类型" width="90">
-            <template #default="s"><el-select v-model="s.row.type" size="small" @change="sync"><el-option v-for="x in ['KILL','TRAFFIC','RATIO','LOGIN','HD']" :key="x" :label="x" :value="x"/></el-select></template>
-          </el-table-column>
-          <el-table-column prop="name" label="名称" min-width="160">
-            <template #default="s"><el-input v-model="s.row.name" size="small" @input="sync"/></template>
-          </el-table-column>
-          <el-table-column prop="metric" label="指标" width="120">
-            <template #default="s"><el-input v-model="s.row.metric" size="small" @input="sync"/></template>
-          </el-table-column>
-          <el-table-column prop="threshold" label="阈值" width="70">
-            <template #default="s"><el-input v-model.number="s.row.threshold" size="small" type="number" @input="sync"/></template>
-          </el-table-column>
-          <el-table-column prop="unit" label="单位" width="60">
-            <template #default="s"><el-input v-model="s.row.unit" size="small" @input="sync"/></template>
-          </el-table-column>
-          <el-table-column label="条件" width="70">
-            <template #default="s"><el-select v-model="s.row.condition" size="small" @change="sync"><el-option v-for="x in ['GT','LT','GTE','LTE']" :key="x" :label="x" :value="x"/></el-select></template>
-          </el-table-column>
-          <el-table-column width="50">
-            <template #default="s"><el-button size="small" type="danger" text @click="remove(s.$index)">×</el-button></template>
-          </el-table-column>
-        </el-table>
-        <div v-else style="text-align:center;padding:40px;color:#909399">该类型暂无规则</div>
-        <div style="margin-top:8px"><el-button size="small" @click="addRule">+ 添加</el-button></div>
-      </div>
     </div>
+
+    <!-- 预设规则对话框 -->
+    <el-dialog v-model="showPresets" title="预设规则模板" width="700px" :close-on-click-modal="false">
+      <div style="display:flex;flex-direction:column;gap:8px">
+        <el-checkbox-group v-model="selectedPresets">
+          <div v-for="p in presets" :key="p.name" style="padding:10px 14px;border:1px solid #ebeef5;border-radius:6px;margin-bottom:6px">
+            <el-checkbox :value="p.name" :label="p.name" style="width:100%">
+              <span style="font-weight:500">{{ p.name }}</span>
+              <span style="color:#909399;font-size:12px;margin-left:8px">{{ presetDesc(p) }}</span>
+            </el-checkbox>
+          </div>
+        </el-checkbox-group>
+      </div>
+      <template #footer>
+        <el-button @click="showPresets = false">取消</el-button>
+        <el-button type="primary" @click="importPresets">导入选中 ({{ selectedPresets.length }})</el-button>
+      </template>
+    </el-dialog>
   </div>
 </template>
 
 <script setup>
-import api from '../api'; import { Refresh } from '@element-plus/icons-vue'
+import { ref, computed, onMounted } from 'vue'
+import { Plus, ArrowDown, Rank, Delete, View, Hide } from '@element-plus/icons-vue'
+import api from '../api'
 
-const loading = ref(false), saving = ref(false), uploading = ref(false), sites = ref([]), rulesMap = ref({})
+// 选项配置
+const levelOptions = [
+  { value: 'CRITICAL', label: '🔴 严重' },
+  { value: 'WARN',     label: '🟠 关注' },
+  { value: 'INFO',     label: '🔵 提示' },
+]
+const typeOptions = [
+  { value: 'KILL',    label: '封号' },
+  { value: 'TRAFFIC', label: '流量' },
+  { value: 'RATIO',   label: '分享率' },
+  { value: 'LOGIN',   label: '登录' },
+  { value: 'HD',      label: 'H&R' },
+]
+const condOptions = [
+  { value: 'GT',  label: '大于' },
+  { value: 'LT',  label: '小于' },
+  { value: 'GTE', label: '大于等于' },
+  { value: 'LTE', label: '小于等于' },
+]
+
+// 预设规则模板
+const presets = [
+  { name: '流量过高告警',       type:'TRAFFIC', metric:'upload',   threshold:1024, unit:'GB',   condition:'GT', level:'WARN',     description:'上传流量超过1TB时告警' },
+  { name: '流量严重超标',       type:'TRAFFIC', metric:'upload',   threshold:5120, unit:'GB',   condition:'GT', level:'CRITICAL', description:'上传流量超过5TB时严重警告' },
+  { name: '分享率过低',         type:'RATIO',   metric:'ratio',    threshold:0.5,  unit:'',     condition:'LT', level:'WARN',     description:'分享率低于0.5时告警' },
+  { name: '分享率极低',         type:'RATIO',   metric:'ratio',    threshold:0.1,  unit:'',     condition:'LT', level:'CRITICAL', description:'分享率低于0.1时严重警告' },
+  { name: '封号检测',           type:'KILL',    metric:'disabled', threshold:1,    unit:'次',   condition:'GTE',level:'CRITICAL', description:'账号被禁用时触发' },
+  { name: 'H&R 未达标',         type:'HD',      metric:'hnr',      threshold:1,    unit:'个',   condition:'GTE',level:'WARN',     description:'有未完成的H&R任务' },
+  { name: '长期未登录',         type:'LOGIN',   metric:'lastSeen', threshold:30,   unit:'天',   condition:'GT', level:'WARN',     description:'超过30天未登录' },
+  { name: '下载量过大',         type:'TRAFFIC', metric:'download', threshold:2048, unit:'GB',   condition:'GT', level:'INFO',     description:'下载流量超过2TB时提示' },
+]
+
+const presetDesc = (p) => `当 ${p.metric} ${condOptions.find(c=>c.value===p.condition)?.label||p.condition} ${p.threshold}${p.unit||''} → ${levelOptions.find(l=>l.value===p.level)?.label||p.level}`
+
+// 状态
+const loading = ref(false), saving = ref(false), uploading = ref(false)
+const sites = ref([]), rulesMap = ref({})
 const editType = ref(''), editorJson = ref('[]')
+const showJson = ref(false)
+const showPresets = ref(false)
+const selectedPresets = ref([])
+const showDesc = ref({})
+const dragIdx = ref(null)
+
+// 格式化
 const fmt = (t) => t ? (t.substring(0,19)||'').replace('T',' ') : '-'
-const parsed = computed(() => { try { return JSON.parse(editorJson.value) } catch { return [] } })
+
+// 解析规则
+const parsed = computed({
+  get() { try { return JSON.parse(editorJson.value) } catch { return [] } },
+  set(v) { editorJson.value = JSON.stringify(v, null, 2) }
+})
+
 const merged = computed(() => (Array.isArray(sites.value)?sites.value:[]).map(s => ({
   siteId: s.siteId, names: s.names, siteType: s.siteType,
   ruleCount: rulesMap.value[s.siteType]?.ruleCount || 0, version: rulesMap.value[s.siteType]?.version || null,
   updatedAt: rulesMap.value[s.siteType]?.updatedAt || null, rulesJson: rulesMap.value[s.siteType]?.rulesJson || null,
 })))
 
+const levelColor = (lv) => ({ CRITICAL: '#f56c6c', WARN: '#e6a23c', INFO: '#409eff' }[lv] || '#909399')
+const levelText  = (lv) => ({ CRITICAL: '严重', WARN: '关注', INFO: '提示' }[lv] || lv)
+
+// 数据操作
 const fetchAll = async () => {
   loading.value = true
   try {
@@ -106,26 +237,159 @@ const fetchAll = async () => {
     rulesMap.value = map
   } finally { loading.value = false }
 }
+
 const editRule = async (row) => {
   editType.value = row.siteType
-  try { const r = await api.raw.get('/admin/risk-rules/'+row.siteType); editorJson.value = (r?.data||r)?.rules ? JSON.stringify((r.data||r).rules, null, 2) : '[]' }
-  catch { editorJson.value = '[]' }
+  try {
+    const r = await api.raw.get('/admin/risk-rules/'+row.siteType)
+    editorJson.value = (r?.data||r)?.rules ? JSON.stringify((r.data||r).rules, null, 2) : '[]'
+  } catch { editorJson.value = '[]' }
 }
+
 const sync = () => { editorJson.value = JSON.stringify(parsed.value, null, 2) }
-const remove = (idx) => { parsed.value.splice(idx,1); sync() }
-const addRule = () => { parsed.value.push({type:'TRAFFIC',name:'',metric:'',threshold:0,unit:'DAY',condition:'GT',level:'WARN'}); sync() }
+
+const addRule = () => {
+  const arr = [...parsed.value, {type:'TRAFFIC',name:'',metric:'',threshold:0,unit:'DAY',condition:'GT',level:'WARN',description:''}]
+  parsed.value = arr
+}
+
+const confirmRemove = async (idx) => {
+  try { await ElMessageBox.confirm('确定删除此规则？', '确认', { type:'warning', confirmButtonText:'删除' }) } catch { return }
+  const arr = [...parsed.value]
+  arr.splice(idx, 1)
+  parsed.value = arr
+}
+
+const addPreset = (p) => {
+  const arr = [...parsed.value, {...p}]
+  parsed.value = arr
+}
+
+const importPresets = () => {
+  const items = presets.filter(p => selectedPresets.value.includes(p.name))
+  const arr = [...parsed.value, ...items]
+  parsed.value = arr
+  selectedPresets.value = []
+  showPresets.value = false
+  ElMessage.success(`已导入 ${items.length} 条规则`)
+}
+
+// 拖拽排序
+const onDragStart = (e, idx) => {
+  dragIdx.value = idx
+  e.dataTransfer.effectAllowed = 'move'
+}
+
+const onDragOver = (e, idx) => {
+  if (dragIdx.value === null || dragIdx.value === idx) return
+  const arr = [...parsed.value]
+  const [item] = arr.splice(dragIdx.value, 1)
+  arr.splice(idx, 0, item)
+  parsed.value = arr
+  dragIdx.value = idx
+}
+
+const onDrop = (e, idx) => {
+  dragIdx.value = null
+}
+
+// 保存/上传
+const saveRules = async () => {
+  saving.value = true
+  try {
+    await api.raw.post('/risk-rules/'+editType.value, { rules: parsed.value })
+    ElMessage.success('已保存')
+    editType.value = ''
+    fetchAll()
+  } catch { ElMessage.error('保存失败') }
+  finally { saving.value = false }
+}
+
 const uploadRules = async () => {
   uploading.value = true
-  try { await api.raw.post('/risk-rules/'+editType.value+'/upload', { rules: parsed.value }); ElMessage.success('已上传') }
-  catch { ElMessage.error('上传失败') }
+  try {
+    await api.raw.post('/risk-rules/'+editType.value+'/upload', { rules: parsed.value })
+    ElMessage.success('已上传')
+  } catch { ElMessage.error('上传失败') }
   finally { uploading.value = false }
 }
 
-const saveRules = async () => {
-  saving.value = true
-  try { await api.raw.post('/risk-rules/'+editType.value, { rules: parsed.value }); ElMessage.success('已保存'); editType.value=''; fetchAll() }
-  catch { ElMessage.error('保存失败') }
-  finally { saving.value = false }
-}
 onMounted(fetchAll)
 </script>
+
+<style scoped>
+.rule-card {
+  border: 1px solid #e4e7ed;
+  border-radius: 8px;
+  background: #fff;
+  transition: box-shadow .2s, border-color .2s;
+  cursor: default;
+}
+.rule-card:hover {
+  box-shadow: 0 2px 8px rgba(0,0,0,.08);
+}
+.rule-card.critical { border-left: 4px solid #f56c6c; }
+.rule-card.warn     { border-left: 4px solid #e6a23c; }
+.rule-card.info     { border-left: 4px solid #409eff; }
+
+.card-header {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  padding: 10px 14px 6px;
+  gap: 8px;
+}
+.card-header-left {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-wrap: wrap;
+}
+.card-header-right {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-shrink: 0;
+}
+.drag-handle {
+  cursor: grab;
+  color: #c0c4cc;
+  font-size: 16px;
+}
+.drag-handle:active { cursor: grabbing; }
+
+.rule-index {
+  font-size: 11px;
+  color: #c0c4cc;
+  font-weight: 500;
+}
+
+.card-body {
+  padding: 0 14px 12px 34px;
+}
+.condition-row {
+  display: flex;
+  align-items: center;
+  gap: 6px;
+  flex-wrap: wrap;
+  font-size: 13px;
+  color: #606266;
+}
+.condition-label {
+  font-weight: 500;
+  color: #909399;
+  font-size: 12px;
+  margin-right: 2px;
+}
+.condition-text {
+  color: #606266;
+}
+.then-arrow {
+  color: #409eff;
+  font-size: 16px;
+  font-weight: 700;
+}
+.description-row {
+  margin-top: 6px;
+}
+</style>