diff --git a/internal/bizdev/engine.go b/internal/bizdev/engine.go
new file mode 100644
index 00000000..3ed34f19
--- /dev/null
+++ b/internal/bizdev/engine.go
@@ -0,0 +1,108 @@
+package bizdev
+
+import (
+	"fmt"
+	"os"
+	"path/filepath"
+	"strconv"
+	"strings"
+
+	"chat-agent-system/internal/quote"
+)
+
+// FormatMoney formats a currency amount for display in markdown (no grouping separators).
+func FormatMoney(v float64) string {
+	if v == 0 {
+		return "0"
+	}
+	if v == float64(int64(v)) {
+		return strconv.FormatInt(int64(v), 10)
+	}
+	return strconv.FormatFloat(v, 'f', 2, 64)
+}
+
+// RenderCDOQuoteTable builds the pricing table from quote summary lines and total.
+func RenderCDOQuoteTable(summary *quote.Summary) string {
+	var b strings.Builder
+	b.WriteString("| 报价代码 | 服务内容 | 人数 | 人年 | 成本 | 加Buffer20% | 加毛利40% | 加税7% | 设备设施等费用 | 税后价格 |\n")
+	b.WriteString("|---|---|---:|---:|---:|---:|---:|---:|---:|---:|\n")
+
+	var totalPersonYear, totalCost, totalBuffer, totalMargin, totalTax, totalPrice float64
+	for _, line := range summary.Lines {
+		fmt.Fprintf(&b, "| %s | %s | — | %s | %s | %s | %s | %s | — | %s |\n",
+			line.Code, line.Name,
+			FormatMoney(line.PersonYear),
+			FormatMoney(line.Cost),
+			FormatMoney(line.Buffer),
+			FormatMoney(line.Margin),
+			FormatMoney(line.Tax),
+			FormatMoney(line.Price),
+		)
+		totalPersonYear += line.PersonYear
+		totalCost += line.Cost
+		totalBuffer += line.Buffer
+		totalMargin += line.Margin
+		totalTax += line.Tax
+		totalPrice += line.Price
+	}
+
+	fmt.Fprintf(&b, "| | **总计** | — | **%s** | **%s** | **%s** | **%s** | **%s** | — | **%s** |\n",
+		FormatMoney(totalPersonYear),
+		FormatMoney(totalCost),
+		FormatMoney(totalBuffer),
+		FormatMoney(totalMargin),
+		FormatMoney(totalTax),
+		FormatMoney(summary.TotalPrice),
+	)
+	return b.String()
+}
+
+// BackfillCDOQuoteMarkdown replaces placeholder sections with computed pricing from summary.
+func BackfillCDOQuoteMarkdown(body string, summary *quote.Summary) string {
+	conclusion := fmt.Sprintf(
+		"按公司 CDO 定价核算模板计算，税后合计 **%s 元**（含 Buffer 20%%、毛利 40%%、税 7%%）。数字与配套 Excel「报价模型」一致。",
+		FormatMoney(summary.TotalPrice),
+	)
+	body = replaceSection(body, "## 结论", conclusion)
+
+	tableIntro := "表中「人年」列与 Excel 模板同一列，对应模型投入人月合计（工时/160）。\n\n"
+	body = replaceSection(body, "## 报价模型", tableIntro+RenderCDOQuoteTable(summary))
+
+	return body
+}
+
+func replaceSection(body, heading, content string) string {
+	start := strings.Index(body, heading)
+	if start == -1 {
+		return body
+	}
+	rest := body[start+len(heading):]
+	nextHeading := strings.Index(rest, "\n## ")
+	if nextHeading == -1 {
+		return body[:start] + heading + "\n\n" + content + "\n"
+	}
+	end := start + len(heading) + nextHeading
+	return body[:start] + heading + "\n\n" + content + "\n" + body[end:]
+}
+
+// WriteMaterials persists uploaded material text into workspace materials_text/.
+func WriteMaterials(workDir string, materials []MaterialInput) error {
+	if len(materials) == 0 {
+		return nil
+	}
+	dir := filepath.Join(workDir, "materials_text")
+	if err := os.MkdirAll(dir, 0o755); err != nil {
+		return fmt.Errorf("create materials_text: %w", err)
+	}
+	for _, m := range materials {
+		name := filepath.Base(m.Filename)
+		if name == "" || name == "." {
+			name = "material.txt"
+		}
+		path := filepath.Join(dir, name)
+		if err := os.WriteFile(path, m.Content, 0o644); err != nil {
+			return fmt.Errorf("write material %s: %w", name, err)
+		}
+	}
+	return nil
+}
diff --git a/internal/bizdev/service.go b/internal/bizdev/service.go
index a5e7647d..6e372094 100644
--- a/internal/bizdev/service.go
+++ b/internal/bizdev/service.go
@@ -55,11 +55,14 @@ func (s *Service) ExecuteTask(ctx context.Context, req TaskRunRequest) (*TaskRun
 	workDir := req.WorkDir
 	if workDir == "" {
 		ts := time.Now().UnixNano()
-		workDir = filepath.Join(s.cfg.DataDir, "workspaces", fmt.Sprintf("task_%s_%d", req.TaskKey, ts))
+		workDir = filepath.Join(s.cfg.DataDir, "workspaces", "bizdev", fmt.Sprintf("%s_%d", req.TaskKey, ts))
 	}
 	if err := os.MkdirAll(workDir, 0o755); err != nil {
 		return nil, fmt.Errorf("create workdir: %w", err)
 	}
+	if err := WriteMaterials(workDir, req.Materials); err != nil {
+		return nil, err
+	}
 
 	tmpl, err := template.GetDocTemplate(req.TaskKey)
 	if err != nil {
@@ -68,6 +71,7 @@ func (s *Service) ExecuteTask(ctx context.Context, req TaskRunRequest) (*TaskRun
 
 	vars := map[string]string{
 		"project_name":  req.ProjectName,
+		"product_name":  req.ProjectName,
 		"customer_name": req.CustomerName,
 		"device_type":   req.DeviceType,
 		"intended_use":  req.IntendedUse,
@@ -125,9 +129,13 @@ func (s *Service) ExecuteTask(ctx context.Context, req TaskRunRequest) (*TaskRun
 				"项目经理":  160,
 			},
 		}
-		if _, err := quote.CalculateAndFill(in, "templates/xlsx/cdo_quote.xlsx", xlsxPath); err != nil {
+		summary, err := quote.CalculateAndFill(in, "templates/xlsx/cdo_quote.xlsx", xlsxPath)
+		if err != nil {
 			return nil, fmt.Errorf("cdo quote: %w", err)
 		}
+		markdownBody = BackfillCDOQuoteMarkdown(markdownBody, summary)
+		_ = os.WriteFile(filepath.Join(workDir, "cdo_quote.md"), []byte(markdownBody), 0o644)
+
 		data, err := os.ReadFile(xlsxPath)
 		if err != nil {
 			return nil, fmt.Errorf("read cdo quote xlsx: %w", err)
diff --git a/internal/bizdev/service_test.go b/internal/bizdev/service_test.go
index b0a591ae..9ca50733 100644
--- a/internal/bizdev/service_test.go
+++ b/internal/bizdev/service_test.go
@@ -2,12 +2,14 @@ package bizdev_test
 
 import (
 	"context"
+	"path/filepath"
 	"strings"
 	"testing"
 	"time"
 
 	"chat-agent-system/internal/bizdev"
 	"chat-agent-system/internal/config"
+	"chat-agent-system/internal/quote"
 )
 
 func TestExecuteTaskIndependent(t *testing.T) {
@@ -51,4 +53,29 @@ func TestExecuteTaskIndependent(t *testing.T) {
 	if quoteRes.Attachments[0].Filename != "CDO报价核算-V01.xlsx" {
 		t.Errorf("unexpected attachment filename: %s", quoteRes.Attachments[0].Filename)
 	}
+
+	in := quote.Input{
+		CustomerName: "北京天工",
+		ProductName:  "微创吻合器研发",
+		Hours: map[string]float64{
+			"结构工程师": 320,
+			"硬件工程师": 320,
+			"软件工程师": 480,
+			"项目经理":  160,
+		},
+	}
+	summary, err := quote.CalculateAndFill(in, "templates/xlsx/cdo_quote.xlsx", filepath.Join(tmpDir, "ref.xlsx"))
+	if err != nil {
+		t.Fatalf("reference quote calculation failed: %v", err)
+	}
+	expectedTotal := bizdev.FormatMoney(summary.TotalPrice)
+	if !strings.Contains(quoteRes.MarkdownBody, expectedTotal) {
+		t.Errorf("markdown missing formatted total price %s matching Excel summary", expectedTotal)
+	}
+	if !strings.Contains(quoteRes.MarkdownBody, "ID2") || !strings.Contains(quoteRes.MarkdownBody, "ID6") {
+		t.Errorf("markdown missing backfilled quote table lines")
+	}
+	if !strings.Contains(quoteRes.MarkdownBody, "微创吻合器研发") {
+		t.Errorf("markdown missing product_name")
+	}
 }