diff --git a/BankAccount/src/BankAccount.java b/BankAccount/src/BankAccount.java
new file mode 100644
index 0000000..9905413
--- /dev/null
+++ b/BankAccount/src/BankAccount.java
@@ -0,0 +1,52 @@
+public class BankAccount {
+    // 私有属性（封装）
+    private final String accountNumber; // 账户号，创建后不可修改
+    private String ownerName;           // 户主姓名，可修改
+    private double balance;            // 余额，只能通过存取款修改
+
+    // 构造方法：必须传入账户号和户主姓名，初始余额为0
+    public BankAccount(String accountNumber, String ownerName) {
+        this.accountNumber = accountNumber;
+        this.ownerName = ownerName;
+        this.balance = 0.0;
+    }
+
+    // 存款方法
+    public void deposit(double amount) {
+        if (amount > 0) {
+            balance += amount;
+            System.out.println("存款成功！当前余额：" + balance);
+        } else {
+            System.out.println("存款失败！金额必须大于0。");
+        }
+    }
+
+    // 取款方法
+    public void withdraw(double amount) {
+        if (amount > 0 && amount <= balance) {
+            balance -= amount;
+            System.out.println("取款成功！当前余额：" + balance);
+        } else {
+            System.out.println("取款失败！金额必须大于0且不超过当前余额。");
+        }
+    }
+
+    // 查询余额
+    public double getBalance() {
+        return balance;
+    }
+
+    // 户主姓名 getter/setter（允许修改）
+    public String getOwnerName() {
+        return ownerName;
+    }
+
+    public void setOwnerName(String ownerName) {
+        this.ownerName = ownerName;
+    }
+
+    // 账户号 getter（无setter，保证不可修改）
+    public String getAccountNumber() {
+        return accountNumber;
+    }
+}
\ No newline at end of file
diff --git a/BankAccount/src/Main.java b/BankAccount/src/Main.java
new file mode 100644
index 0000000..84566be
--- /dev/null
+++ b/BankAccount/src/Main.java
@@ -0,0 +1,22 @@
+//TIP 要<b>运行</b>代码，请按 <shortcut actionId="Run"/> 或
+// 点击装订区域中的 <icon src="AllIcons.Actions.Execute"/> 图标。
+public class Main {
+    public static void main(String[] args) {
+        // 创建账户
+        BankAccount account = new BankAccount("622202100123456", "张三");
+
+        // 测试存款
+        account.deposit(1000);
+        // 测试取款
+        account.withdraw(300);
+        // 查询余额
+        System.out.println("当前余额：" + account.getBalance());
+        // 修改户主姓名
+        account.setOwnerName("李四");
+        System.out.println("户主已改为：" + account.getOwnerName());
+
+        // 测试错误操作
+        account.deposit(-200);
+        account.withdraw(1000);
+    }
+}
\ No newline at end of file