diff --git a/src/main/java/com/budwk/app/zhgh/staffbenefit/medicalMutualAid/apply/service/impl/MedicalMutualAidApplyServiceImpl.java b/src/main/java/com/budwk/app/zhgh/staffbenefit/medicalMutualAid/apply/service/impl/MedicalMutualAidApplyServiceImpl.java
index 7064e6f..5581443 100644
--- a/src/main/java/com/budwk/app/zhgh/staffbenefit/medicalMutualAid/apply/service/impl/MedicalMutualAidApplyServiceImpl.java
+++ b/src/main/java/com/budwk/app/zhgh/staffbenefit/medicalMutualAid/apply/service/impl/MedicalMutualAidApplyServiceImpl.java
@@ -37,8 +37,15 @@ import org.apache.poi.ss.usermodel.Sheet;
 import org.apache.poi.ss.usermodel.VerticalAlignment;
 import org.apache.poi.ss.usermodel.Workbook;
 import org.apache.poi.ss.util.CellRangeAddress;
+import com.deepoove.poi.data.ByteArrayPictureRenderData;
+import com.deepoove.poi.data.PictureRenderData;
+import com.deepoove.poi.data.PictureType;
+import com.deepoove.poi.data.style.PictureStyle;
 import com.deepoove.poi.XWPFTemplate;
 
+import javax.imageio.ImageIO;
+import java.awt.image.BufferedImage;
+import java.io.ByteArrayInputStream;
 import java.io.ByteArrayOutputStream;
 import java.io.IOException;
 import java.math.BigDecimal;
@@ -141,6 +148,7 @@ public class MedicalMutualAidApplyServiceImpl extends BaseServiceImpl<MutualAppl
     public NutMap exportMineApplyForm(Long applyId) {
         MutualApply apply = applyDetail(applyId);
         assertMineApplyOwner(apply);
+        assertMineApplyExportStatus(apply);
         Map<String, Object> docData = buildMineApplyFormDocData(apply);
         String fileName = StrUtil.blankToDefault(apply.getUserName(), "申请人") + "大病医疗互助金申请表.docx";
         try (ByteArrayOutputStream byteArrayOutputStream = new ByteArrayOutputStream()) {
@@ -801,12 +809,83 @@ public class MedicalMutualAidApplyServiceImpl extends BaseServiceImpl<MutualAppl
         docData.put("signDay", formatDate(signDate, "dd"));
         docData.put("remark", emptyToBlank(apply.getRemark()));
         docData.put("statusText", buildStatusText(apply.getStatus()));
-        // 签字图片由 pc-signature 组件保存为文件下载地址，模板中使用 {{@sign}} 渲染图片。
-        docData.put("sign", StrUtil.isBlank(apply.getSignFileId()) ? null
-                : sysOfficeTemplateUtil.createPictureRenderData(90, 35, apply.getSignFileId()));
+        // 签字图片导出前裁掉四周白边，模板中使用 {{@sign}} 渲染图片。
+        docData.put("sign", buildTrimmedSignPicture(apply.getSignFileId()));
         return docData;
     }
 
+    /**
+     * 构建申请人签字图片，优先裁剪签字图片四周白边；图片异常时回退为原图，避免影响申请单导出。
+     */
+    private PictureRenderData buildTrimmedSignPicture(String signFileId) {
+        if (StrUtil.isBlank(signFileId)) {
+            return null;
+        }
+        try {
+            byte[] imageBytes = sysOfficeTemplateUtil.getFileBytesByUrl(signFileId);
+            byte[] trimmedBytes = trimImageWhiteBorder(imageBytes);
+            ByteArrayPictureRenderData pictureRenderData = new ByteArrayPictureRenderData(trimmedBytes, PictureType.PNG);
+            PictureStyle pictureStyle = new PictureStyle();
+            pictureStyle.setWidth(90);
+            pictureStyle.setHeight(35);
+            pictureRenderData.setPictureStyle(pictureStyle);
+            return pictureRenderData;
+        } catch (Exception e) {
+            return sysOfficeTemplateUtil.createPictureRenderData(90, 35, signFileId);
+        }
+    }
+
+    /**
+     * 裁剪图片四周白色或透明空白区域，保留真实签字笔画区域用于 Word 模板渲染。
+     */
+    private byte[] trimImageWhiteBorder(byte[] imageBytes) throws IOException {
+        if (imageBytes == null || imageBytes.length == 0) {
+            throw new IOException("签字图片为空");
+        }
+        BufferedImage sourceImage = ImageIO.read(new ByteArrayInputStream(imageBytes));
+        if (sourceImage == null) {
+            throw new IOException("签字图片格式不支持");
+        }
+        int minX = sourceImage.getWidth();
+        int minY = sourceImage.getHeight();
+        int maxX = -1;
+        int maxY = -1;
+        for (int y = 0; y < sourceImage.getHeight(); y++) {
+            for (int x = 0; x < sourceImage.getWidth(); x++) {
+                if (!isBlankSignPixel(sourceImage.getRGB(x, y))) {
+                    minX = Math.min(minX, x);
+                    minY = Math.min(minY, y);
+                    maxX = Math.max(maxX, x);
+                    maxY = Math.max(maxY, y);
+                }
+            }
+        }
+        if (maxX < minX || maxY < minY) {
+            return imageBytes;
+        }
+        int padding = 2;
+        int cropX = Math.max(minX - padding, 0);
+        int cropY = Math.max(minY - padding, 0);
+        int cropWidth = Math.min(maxX + padding, sourceImage.getWidth() - 1) - cropX + 1;
+        int cropHeight = Math.min(maxY + padding, sourceImage.getHeight() - 1) - cropY + 1;
+        BufferedImage trimmedImage = sourceImage.getSubimage(cropX, cropY, cropWidth, cropHeight);
+        try (ByteArrayOutputStream byteArrayOutputStream = new ByteArrayOutputStream()) {
+            ImageIO.write(trimmedImage, "png", byteArrayOutputStream);
+            return byteArrayOutputStream.toByteArray();
+        }
+    }
+
+    /**
+     * 判断签字图片像素是否属于可裁剪空白，兼容透明底和接近白色的扫描底色。
+     */
+    private boolean isBlankSignPixel(int rgb) {
+        int alpha = (rgb >> 24) & 0xff;
+        int red = (rgb >> 16) & 0xff;
+        int green = (rgb >> 8) & 0xff;
+        int blue = rgb & 0xff;
+        return alpha <= 15 || (red >= 245 && green >= 245 && blue >= 245);
+    }
+
     /**
      * 校验“我的申请”导出只能访问当前登录人的申请，避免通过 URL 参数导出他人申请。
      */
@@ -823,6 +902,15 @@ public class MedicalMutualAidApplyServiceImpl extends BaseServiceImpl<MutualAppl
         }
     }
 
+    /**
+     * 校验申请单导出状态，只有互助会已审核通过的数据才允许生成正式申请单。
+     */
+    private void assertMineApplyExportStatus(MutualApply apply) {
+        if (apply == null || apply.getStatus() == null || apply.getStatus() != 1) {
+            throw new BaseException("只有已审核的申请才能导出申请单");
+        }
+    }
+
     /**
      * 将疾病名称和住院说明合并到模板“何时何病伤住何医院”栏，保留原 Word 模板结构。
      */
diff --git a/src/main/resources/templates/medicalMutualAid/medical_mutual_aid_apply_form.docx b/src/main/resources/templates/medicalMutualAid/medical_mutual_aid_apply_form.docx
index 21780ae..351cca9 100644
Binary files a/src/main/resources/templates/medicalMutualAid/medical_mutual_aid_apply_form.docx and b/src/main/resources/templates/medicalMutualAid/medical_mutual_aid_apply_form.docx differ
diff --git a/src/main/resources/templates/medicalMutualAid/~$dical_mutual_aid_apply_form.docx b/src/main/resources/templates/medicalMutualAid/~$dical_mutual_aid_apply_form.docx
deleted file mode 100644
index 8601cc0..0000000
Binary files a/src/main/resources/templates/medicalMutualAid/~$dical_mutual_aid_apply_form.docx and /dev/null differ
diff --git a/src/main/resources/views/platform/zhgh/staffbenefit/medicalMutualAid/apply/mine/index.html b/src/main/resources/views/platform/zhgh/staffbenefit/medicalMutualAid/apply/mine/index.html
index 30a6de9..725645b 100644
--- a/src/main/resources/views/platform/zhgh/staffbenefit/medicalMutualAid/apply/mine/index.html
+++ b/src/main/resources/views/platform/zhgh/staffbenefit/medicalMutualAid/apply/mine/index.html
@@ -13,7 +13,8 @@ layout("/layouts/platform.html"){
     .mine-table.el-table th { background: #fafafa; color: #303133; font-weight: 700; }
     .mine-table.el-table td, .mine-table.el-table th { padding: 11px 0; }
     .mine-actions { display: flex; align-items: center; justify-content: center; gap: 8px; }
-    .mine-actions .el-button { min-width: 54px; padding: 7px 14px; border-radius: 2px; margin-left: 0; }
+    .mine-actions .el-button { min-width: 54px; padding: 7px 12px; border-radius: 2px; margin-left: 0; }
+    .mine-actions .export-apply-btn { min-width: 86px; }
     .mine-pager { display: flex; justify-content: flex-start; align-items: center; padding-top: 12px; flex-shrink: 0; }
     .mine-pager .total-text { margin-right: 18px; color: #303133; }
 </style>
@@ -58,11 +59,11 @@ layout("/layouts/platform.html"){
                     <el-tag v-else type="warning" size="mini">未审核</el-tag>
                 </template>
             </el-table-column>
-            <el-table-column label="操作" width="280" align="center" fixed="right">
+            <el-table-column label="操作" width="310" align="center" fixed="right">
                 <template slot-scope="{row}">
                     <div class="mine-actions">
                         <el-button @click="onView(row)" size="mini" type="primary">查看</el-button>
-                        <el-button @click="onExportApplyForm(row)" size="mini" type="primary">导出申请单</el-button>
+                        <el-button v-if="isAudited(row)" class="export-apply-btn" @click="onExportApplyForm(row)" size="mini" type="primary">导出申请单</el-button>
                         <el-button v-if="isPending(row)" @click="onEdit(row)" size="mini" type="primary">编辑</el-button>
                         <el-button v-if="isPending(row)" @click="onDeleteTip" size="mini" type="danger">删除</el-button>
                     </div>