diff --git a/skills/proposal/scripts/render_docx.py b/skills/proposal/scripts/render_docx.py
index 828e214..da698c5 100644
--- a/skills/proposal/scripts/render_docx.py
+++ b/skills/proposal/scripts/render_docx.py
@@ -1,14 +1,18 @@
 """把 sections/*.md 渲染成符合中国基金申报书排版规范的 .docx。
 
 字体规范 (来自 typography.md):
-- 标题黑体 / 正文中文宋体 / 英文 Times New Roman
+- 标题黑体 (一二级) / 三级标题宋体 / 正文中文宋体 / 英文 Times New Roman
 - 行距 1.5 倍 / 首行缩进 2 字符
 - A4 纸 / 上下 2.5cm / 左 3.0cm / 右 2.0cm
 
+特性:
+- 自动插入"目录"页 (Word 内右键更新域 / F9 即生成 TOC)
+- 内联 markdown 解析: **加粗** / *斜体* / `等宽`
+- 列表/引用文献项 ([N], 1., (1), 一、, -, *) 各自独立成段
+- markdown 表格自动识别, 包含分隔行 |---|---|
+
 用法:
   python render_docx.py <sections_dir> --fund-type key_rd -o <out.docx>
-
-支持的基金类型: key_rd / major_project / nsfc_joint_fund / nsfc_general / nsfc_youth / provincial / enterprise
 """
 from __future__ import annotations
 import argparse
@@ -18,25 +22,47 @@ from pathlib import Path
 
 from docx import Document
 from docx.enum.text import WD_ALIGN_PARAGRAPH
+from docx.oxml import OxmlElement
 from docx.oxml.ns import qn
-from docx.shared import Cm, Pt
+from docx.shared import Cm, Pt, RGBColor
 
 
-def _set_east_asia_font(run, font_name: str = "宋体") -> None:
-    """让 run 的中文字体生效 (python-docx 不直接支持东亚字体)。"""
+# ───────────────────────── 字体辅助 ─────────────────────────
+
+def _set_run_fonts(run, *, cn_font: str = "宋体", en_font: str = "Times New Roman") -> None:
+    """同时设置 run 的中文 (eastAsia) 和西文 (ascii/hAnsi) 字体。"""
     rPr = run._element.get_or_add_rPr()
     rFonts = rPr.find(qn("w:rFonts"))
     if rFonts is None:
-        from docx.oxml import OxmlElement
         rFonts = OxmlElement("w:rFonts")
         rPr.append(rFonts)
-    rFonts.set(qn("w:eastAsia"), font_name)
-    rFonts.set(qn("w:ascii"), "Times New Roman")
-    rFonts.set(qn("w:hAnsi"), "Times New Roman")
+    rFonts.set(qn("w:eastAsia"), cn_font)
+    rFonts.set(qn("w:ascii"), en_font)
+    rFonts.set(qn("w:hAnsi"), en_font)
 
 
+def _set_style_fonts(style, *, cn_font: str = "宋体", en_font: str = "Times New Roman") -> None:
+    """直接给 style 写 rFonts, 这样基于该 style 的所有段落都继承字体。"""
+    el = style.element
+    rPr = el.find(qn("w:rPr"))
+    if rPr is None:
+        rPr = OxmlElement("w:rPr")
+        el.insert(0, rPr)
+    rFonts = rPr.find(qn("w:rFonts"))
+    if rFonts is None:
+        rFonts = OxmlElement("w:rFonts")
+        rPr.append(rFonts)
+    rFonts.set(qn("w:eastAsia"), cn_font)
+    rFonts.set(qn("w:ascii"), en_font)
+    rFonts.set(qn("w:hAnsi"), en_font)
+
+
+# ───────────────────────── 文档初始化 ─────────────────────────
+
 def init_doc() -> Document:
     doc = Document()
+
+    # 页面
     section = doc.sections[0]
     section.page_height = Cm(29.7)
     section.page_width = Cm(21)
@@ -44,88 +70,210 @@ def init_doc() -> Document:
     section.bottom_margin = Cm(2.5)
     section.left_margin = Cm(3.0)
     section.right_margin = Cm(2.0)
-    # 不在这里改 default style — 直接每段自己设字体最稳
+
+    # Normal 样式 (正文)
+    normal = doc.styles["Normal"]
+    normal.font.name = "Times New Roman"
+    normal.font.size = Pt(12)  # 小四
+    _set_style_fonts(normal, cn_font="宋体")
+    pf = normal.paragraph_format
+    pf.line_spacing = 1.5
+    pf.space_before = Pt(0)
+    pf.space_after = Pt(0)
+
+    # Heading 样式 — 让 Word TOC 域识别
+    for lvl, sz, cn in [(1, Pt(14), "黑体"), (2, Pt(12), "黑体"), (3, Pt(12), "宋体")]:
+        h = doc.styles[f"Heading {lvl}"]
+        h.font.name = "Times New Roman"
+        h.font.size = sz
+        h.font.bold = True
+        h.font.color.rgb = RGBColor(0, 0, 0)  # 覆盖 builtin 蓝色
+        _set_style_fonts(h, cn_font=cn)
+        h.paragraph_format.line_spacing = 1.5
+        h.paragraph_format.space_before = Pt(6)
+        h.paragraph_format.space_after = Pt(3)
+        h.paragraph_format.first_line_indent = None
+
     return doc
 
 
-def add_paragraph(doc: Document, text: str, *, level: int = 0) -> None:
-    """level: 0 正文 / 1 一级标题 / 2 二级标题 / 3 三级标题"""
-    if level == 0:
-        p = doc.add_paragraph()
-        p.paragraph_format.line_spacing = 1.5
-        p.paragraph_format.first_line_indent = Pt(24)  # 2 字符
-        p.alignment = WD_ALIGN_PARAGRAPH.JUSTIFY
-        run = p.add_run(text)
-        run.font.name = "Times New Roman"
-        run.font.size = Pt(12)  # 小四
-        _set_east_asia_font(run, "宋体")
-    else:
-        sizes = {1: Pt(14), 2: Pt(12), 3: Pt(12)}
-        bolds = {1: False, 2: True, 3: True}
-        font_cn = {1: "黑体", 2: "黑体", 3: "宋体"}
-        p = doc.add_paragraph()
-        p.paragraph_format.line_spacing = 1.5
-        p.paragraph_format.space_before = Pt(6)
-        p.paragraph_format.space_after = Pt(3)
-        run = p.add_run(text)
-        run.font.name = "Times New Roman"
-        run.font.size = sizes[level]
-        run.bold = bolds[level]
-        _set_east_asia_font(run, font_cn[level])
+# ───────────────────────── TOC ─────────────────────────
+
+def add_toc(doc: Document, depth: int = 3) -> None:
+    """在文档开头插入 '目录' 标题 + Word 域 TOC。
+
+    Word 打开时不会自动展开;用户右键域 → '更新域' 或按 F9。
+    LibreOffice 打开会更直接显示。
+    """
+    # "目  录" 标题 (居中, 不用 Heading 样式以免自我包含)
+    p = doc.add_paragraph()
+    p.alignment = WD_ALIGN_PARAGRAPH.CENTER
+    p.paragraph_format.first_line_indent = None
+    p.paragraph_format.space_before = Pt(12)
+    p.paragraph_format.space_after = Pt(6)
+    run = p.add_run("目  录")
+    run.font.size = Pt(16)  # 三号
+    run.font.bold = True
+    _set_run_fonts(run, cn_font="黑体")
+
+    # TOC 域
+    p = doc.add_paragraph()
+    p.paragraph_format.first_line_indent = None
+    run = p.add_run()
+
+    fldChar1 = OxmlElement("w:fldChar")
+    fldChar1.set(qn("w:fldCharType"), "begin")
+
+    instrText = OxmlElement("w:instrText")
+    instrText.set(qn("xml:space"), "preserve")
+    instrText.text = f' TOC \\o "1-{depth}" \\h \\z \\u '
+
+    fldChar2 = OxmlElement("w:fldChar")
+    fldChar2.set(qn("w:fldCharType"), "separate")
+
+    fldChar3 = OxmlElement("w:fldChar")
+    fldChar3.set(qn("w:fldCharType"), "end")
+
+    # 占位文字 — Word 更新域时会被实际目录替换
+    placeholder_t = OxmlElement("w:t")
+    placeholder_t.set(qn("xml:space"), "preserve")
+    placeholder_t.text = "[在 Word 中按 F9 或右键此处选择 “更新域” 即可生成完整目录]"
+
+    run._element.append(fldChar1)
+    run._element.append(instrText)
+    run._element.append(fldChar2)
+    run._element.append(placeholder_t)
+    run._element.append(fldChar3)
+
+    doc.add_page_break()
 
 
-_HEADING_RE = re.compile(r"^(#+)\s+(.+)$")
-_TABLE_LINE_RE = re.compile(r"^\s*\|.+\|\s*$")
+# ───────────────────────── 内联 markdown ─────────────────────────
+
+# 顺序敏感:**bold** 必须先于 *italic* 匹配, 否则会被 italic 抢
+_INLINE_RE = re.compile(
+    r"(?P<bold>\*\*(?P<bold_t>[^*\n]+?)\*\*)"
+    r"|(?P<italic>(?<![\*\w])\*(?P<italic_t>[^*\n]+?)\*(?!\*))"
+    r"|(?P<code>`(?P<code_t>[^`\n]+?)`)"
+)
 
 
-def render_md_block(doc: Document, md_text: str) -> None:
-    lines = md_text.splitlines()
-    i = 0
-    while i < len(lines):
-        line = lines[i].rstrip()
+def parse_inline(text: str) -> list[tuple[str, str]]:
+    """切成 (style, segment) 列表; style ∈ plain/bold/italic/code。"""
+    out: list[tuple[str, str]] = []
+    pos = 0
+    for m in _INLINE_RE.finditer(text):
+        if m.start() > pos:
+            out.append(("plain", text[pos:m.start()]))
+        if m.group("bold"):
+            out.append(("bold", m.group("bold_t")))
+        elif m.group("italic"):
+            out.append(("italic", m.group("italic_t")))
+        elif m.group("code"):
+            out.append(("code", m.group("code_t")))
+        pos = m.end()
+    if pos < len(text):
+        out.append(("plain", text[pos:]))
+    return out or [("plain", text)]
 
-        # markdown table
-        if _TABLE_LINE_RE.match(line):
-            tbl_lines = []
-            while i < len(lines) and _TABLE_LINE_RE.match(lines[i]):
-                tbl_lines.append(lines[i])
-                i += 1
-            _render_md_table(doc, tbl_lines)
-            continue
 
-        if not line.strip():
-            i += 1
-            continue
-
-        m = _HEADING_RE.match(line)
-        if m:
-            hashes, title = m.group(1), m.group(2)
-            level = min(len(hashes), 3)
-            add_paragraph(doc, title.strip(), level=level)
-        elif line.startswith(">"):
-            # blockquote — 申报书里通常是写作提示, 渲染时跳过 (撰稿提示不入正稿)
-            pass
+def add_inline(paragraph, text: str, *, size: Pt = Pt(12), cn_font: str = "宋体") -> None:
+    for style, seg in parse_inline(text):
+        run = paragraph.add_run(seg)
+        run.font.size = size
+        if style == "bold":
+            run.bold = True
+            _set_run_fonts(run, cn_font=cn_font, en_font="Times New Roman")
+        elif style == "italic":
+            run.italic = True
+            _set_run_fonts(run, cn_font=cn_font, en_font="Times New Roman")
+        elif style == "code":
+            _set_run_fonts(run, cn_font=cn_font, en_font="Consolas")
         else:
-            # 正文段落: 把连续非空行合并成一段
-            buf = [line]
-            j = i + 1
-            while j < len(lines) and lines[j].strip() and not _HEADING_RE.match(lines[j]) and not lines[j].startswith(">") and not _TABLE_LINE_RE.match(lines[j]):
-                buf.append(lines[j].rstrip())
-                j += 1
-            text = " ".join(s.strip() for s in buf)
-            add_paragraph(doc, text, level=0)
-            i = j
-            continue
-        i += 1
+            _set_run_fonts(run, cn_font=cn_font, en_font="Times New Roman")
 
 
-def _render_md_table(doc: Document, table_lines: list[str]) -> None:
-    """把一段 markdown 表格转换成 docx 表格。第二行如果是分隔符 (---) 跳过。"""
+# ───────────────────────── 段落 / 标题 / 列表 ─────────────────────────
+
+def add_heading(doc: Document, text: str, level: int) -> None:
+    p = doc.add_paragraph(style=f"Heading {level}")
+    p.paragraph_format.first_line_indent = None
+    # 标题里通常无内联 markdown, 但万一有也按内联解析 (黑体大小由 style 已设)
+    sizes = {1: Pt(14), 2: Pt(12), 3: Pt(12)}
+    cn = {1: "黑体", 2: "黑体", 3: "宋体"}
+    add_inline(p, text, size=sizes[level], cn_font=cn[level])
+    for run in p.runs:
+        run.bold = True
+
+
+def add_body_paragraph(doc: Document, text: str, *, indent: bool = True) -> None:
+    p = doc.add_paragraph()
+    pf = p.paragraph_format
+    pf.line_spacing = 1.5
+    if indent:
+        pf.first_line_indent = Pt(24)  # 2 字符
+    else:
+        pf.first_line_indent = None
+    p.alignment = WD_ALIGN_PARAGRAPH.JUSTIFY
+    add_inline(p, text)
+
+
+# ───────────────────────── 行类型识别 ─────────────────────────
+
+_HEADING_RE = re.compile(r"^(#{1,6})\s+(.+)$")
+_TABLE_LINE_RE = re.compile(r"^\s*\|.*\|\s*$")
+_BLOCKQUOTE_RE = re.compile(r"^\s*>\s?")
+_HR_RE = re.compile(r"^\s*-{3,}\s*$|^\s*={3,}\s*$|^\s*_{3,}\s*$")
+
+# 列表项 (各自独立成段, 不跟相邻行合并, 不缩进首行)
+_LIST_PATTERNS = [
+    re.compile(r"^\[\d+\]\s"),                                  # [1]
+    re.compile(r"^[-*+]\s"),                                    # - / * / +
+    re.compile(r"^\d+[\.、．]\s*"),                             # 1.  / 1、 / 1．
+    re.compile(r"^\(\d+\)\s*"),                                 # (1)
+    re.compile(r"^（\d+）\s*"),                                 # （1）
+    re.compile(r"^[一二三四五六七八九十百千]+[、．\.]"),       # 一、
+    re.compile(r"^[（(][一二三四五六七八九十百千]+[)）]"),      # (一)
+    re.compile(r"^[①②③④⑤⑥⑦⑧⑨⑩⑪⑫⑬⑭⑮]"),                  # ①
+    re.compile(r"^第[一二三四五六七八九十百]+[条章节]"),        # 第一条
+]
+
+
+def is_list_item(line: str) -> bool:
+    return any(p.match(line) for p in _LIST_PATTERNS)
+
+
+def is_table_line(line: str) -> bool:
+    return bool(_TABLE_LINE_RE.match(line))
+
+
+def is_heading(line: str) -> bool:
+    return bool(_HEADING_RE.match(line))
+
+
+def is_blockquote(line: str) -> bool:
+    return bool(_BLOCKQUOTE_RE.match(line))
+
+
+def is_hr(line: str) -> bool:
+    return bool(_HR_RE.match(line))
+
+
+# ───────────────────────── 表格 ─────────────────────────
+
+def _split_md_row(line: str) -> list[str]:
+    return [c.strip() for c in line.strip().strip("|").split("|")]
+
+
+def _is_separator_row(cells: list[str]) -> bool:
+    return all(re.match(r"^[-:\s]+$", c) for c in cells if c != "")
+
+
+def render_table(doc: Document, table_lines: list[str]) -> None:
     rows: list[list[str]] = []
     for ln in table_lines:
-        cells = [c.strip() for c in ln.strip().strip("|").split("|")]
-        # skip pure separator row
-        if all(re.match(r"^[-: ]+$", c) for c in cells):
+        cells = _split_md_row(ln)
+        if not cells or _is_separator_row(cells):
             continue
         rows.append(cells)
     if not rows:
@@ -134,21 +282,91 @@ def _render_md_table(doc: Document, table_lines: list[str]) -> None:
     for r in rows:
         while len(r) < n_cols:
             r.append("")
+
     table = doc.add_table(rows=len(rows), cols=n_cols)
-    table.style = "Light Grid Accent 1"
+    try:
+        table.style = "Light Grid Accent 1"
+    except KeyError:
+        pass  # style 不存在就用默认
+
     for ri, row in enumerate(rows):
         for ci, val in enumerate(row):
             cell = table.rows[ri].cells[ci]
-            cell.text = ""  # clear default
+            # 清掉 cell 默认空段落
+            cell.text = ""
             p = cell.paragraphs[0]
-            run = p.add_run(val)
-            run.font.name = "Times New Roman"
-            run.font.size = Pt(10.5)  # 五号
-            _set_east_asia_font(run, "宋体")
+            p.paragraph_format.first_line_indent = None
+            p.paragraph_format.line_spacing = 1.2
+            add_inline(p, val, size=Pt(10.5), cn_font="宋体")
             if ri == 0:
-                run.bold = True
+                for run in p.runs:
+                    run.bold = True
 
 
+# ───────────────────────── 主渲染 ─────────────────────────
+
+def render_md_block(doc: Document, md_text: str) -> None:
+    lines = md_text.splitlines()
+    i = 0
+    n = len(lines)
+    while i < n:
+        line = lines[i].rstrip()
+
+        # 空行
+        if not line.strip():
+            i += 1
+            continue
+
+        # 横线
+        if is_hr(line):
+            i += 1
+            continue
+
+        # 表格 (连续若干行 | ... | 视为一张表)
+        if is_table_line(line):
+            block: list[str] = []
+            while i < n and is_table_line(lines[i]):
+                block.append(lines[i])
+                i += 1
+            render_table(doc, block)
+            continue
+
+        # 标题
+        m = _HEADING_RE.match(line)
+        if m:
+            level = min(len(m.group(1)), 3)
+            add_heading(doc, m.group(2).strip(), level)
+            i += 1
+            continue
+
+        # 引用块 — 模板里多用作"写作提示", 不入正稿
+        if is_blockquote(line):
+            i += 1
+            continue
+
+        # 列表项 (含引文 [N]) — 各自独立成段, 不缩进首行
+        if is_list_item(line):
+            add_body_paragraph(doc, line.strip(), indent=False)
+            i += 1
+            continue
+
+        # 散文段落 — 合并下一空行 / 特殊行前的连续行
+        buf = [line.strip()]
+        j = i + 1
+        while j < n:
+            nxt = lines[j].rstrip()
+            if not nxt.strip():
+                break
+            if is_heading(nxt) or is_blockquote(nxt) or is_table_line(nxt) or is_list_item(nxt) or is_hr(nxt):
+                break
+            buf.append(nxt.strip())
+            j += 1
+        add_body_paragraph(doc, " ".join(buf), indent=True)
+        i = j
+
+
+# ───────────────────────── 入口 ─────────────────────────
+
 def render_sections(sections_dir: Path, out: Path, fund_type: str) -> None:
     if not sections_dir.is_dir():
         print(f"[ERR] sections dir not found: {sections_dir}", file=sys.stderr)
@@ -159,30 +377,34 @@ def render_sections(sections_dir: Path, out: Path, fund_type: str) -> None:
         sys.exit(2)
 
     doc = init_doc()
+    add_toc(doc)
     for f in md_files:
         text = f.read_text(encoding="utf-8")
         render_md_block(doc, text)
-        # 每个 section 后加分页, 让结构更清晰
         doc.add_page_break()
 
     out.parent.mkdir(parents=True, exist_ok=True)
     doc.save(str(out))
 
-    # 统计
-    paras = sum(1 for p in doc.paragraphs)
+    paras = sum(1 for _ in doc.paragraphs)
     chars = sum(len(p.text) for p in doc.paragraphs)
-    print(f"[OK] rendered {len(md_files)} sections → {out}")
-    print(f"   paragraphs: {paras} | total chars: {chars}")
+    tbls = len(doc.tables)
+    print(f"[OK] rendered {len(md_files)} sections -> {out}")
+    print(f"   paragraphs: {paras} | tables: {tbls} | total chars: {chars}")
     print(f"   fund_type:  {fund_type}")
     print(f"   font: 中文宋体小四 / 英文 Times New Roman 小四 / 行距 1.5 / 首行缩进 2 字符")
+    print(f"   提示: 在 Word 中打开后按 F9 (或右键目录 -> 更新域) 生成实际目录。")
 
 
 def main() -> None:
     ap = argparse.ArgumentParser(description="渲染章节 md → 申报书 docx")
     ap.add_argument("sections_dir", type=Path, help="sections/*.md 目录")
-    ap.add_argument("--fund-type", required=True,
-                    choices=["key_rd", "major_project", "nsfc_joint_fund",
-                             "nsfc_general", "nsfc_youth", "provincial", "enterprise"])
+    ap.add_argument(
+        "--fund-type",
+        required=True,
+        choices=["key_rd", "major_project", "nsfc_joint_fund",
+                 "nsfc_general", "nsfc_youth", "provincial", "enterprise"],
+    )
     ap.add_argument("-o", "--output", type=Path, required=True, help="输出 .docx 路径")
     args = ap.parse_args()
     render_sections(args.sections_dir, args.output, args.fund_type)