diff --git a/src/components/accounting/DepositManagement/DepositDetailClientV2.tsx b/src/components/accounting/DepositManagement/DepositDetailClientV2.tsx
index b5e646a5..0de82619 100644
--- a/src/components/accounting/DepositManagement/DepositDetailClientV2.tsx
+++ b/src/components/accounting/DepositManagement/DepositDetailClientV2.tsx
@@ -71,10 +71,6 @@ export default function DepositDetailClientV2({
         toast.error('거래처를 선택해주세요.');
         return { success: false, error: '거래처를 선택해주세요.' };
       }
-      if (submitData.depositType === 'unset') {
-        toast.error('입금 유형을 선택해주세요.');
-        return { success: false, error: '입금 유형을 선택해주세요.' };
-      }
 
       const result =
         mode === 'create'
diff --git a/src/components/accounting/WithdrawalManagement/WithdrawalDetailClientV2.tsx b/src/components/accounting/WithdrawalManagement/WithdrawalDetailClientV2.tsx
index c2211b1a..97b21cc7 100644
--- a/src/components/accounting/WithdrawalManagement/WithdrawalDetailClientV2.tsx
+++ b/src/components/accounting/WithdrawalManagement/WithdrawalDetailClientV2.tsx
@@ -70,10 +70,6 @@ export default function WithdrawalDetailClientV2({
         toast.error('거래처를 선택해주세요.');
         return { success: false, error: '거래처를 선택해주세요.' };
       }
-      if (submitData.withdrawalType === 'unset') {
-        toast.error('출금 유형을 선택해주세요.');
-        return { success: false, error: '출금 유형을 선택해주세요.' };
-      }
 
       const result =
         mode === 'create'
diff --git a/src/components/approval/DocumentCreate/index.tsx b/src/components/approval/DocumentCreate/index.tsx
index 84430909..d9b18256 100644
--- a/src/components/approval/DocumentCreate/index.tsx
+++ b/src/components/approval/DocumentCreate/index.tsx
@@ -19,7 +19,9 @@ import {
   updateApproval,
   updateAndSubmitApproval,
   deleteApproval,
+  getEmployees,
 } from './actions';
+import { useAuth } from '@/contexts/AuthContext';
 import { Button } from '@/components/ui/button';
 import { BasicInfoSection } from './BasicInfoSection';
 import { ApprovalLineSection } from './ApprovalLineSection';
@@ -82,6 +84,7 @@ export function DocumentCreate() {
   const router = useRouter();
   const searchParams = useSearchParams();
   const [isPending, startTransition] = useTransition();
+  const { currentUser } = useAuth();
 
   // 수정 모드 / 복제 모드 상태
   const documentId = searchParams.get('id');
@@ -121,21 +124,57 @@ export function DocumentCreate() {
   const [isPreviewOpen, setIsPreviewOpen] = useState(false);
 
   // ===== DevFill: 자동 입력 기능 =====
-  useDevFill('purchaseApproval', useCallback(() => {
+  useDevFill('purchaseApproval', useCallback(async () => {
     if (!isEditMode && !isCopyMode) {
       const mockData = generatePurchaseApprovalData();
+
+      // 직원 목록 가져오기
+      const employees = await getEmployees();
+
+      // localStorage에서 실제 로그인 사용자 이름 가져오기 (우측 상단 표시와 동일한 소스)
+      const userDataStr = localStorage.getItem("user");
+      const currentUserName = userDataStr ? JSON.parse(userDataStr).name : currentUser?.name;
+
+      // 현재 사용자 이름으로 결재선에 추가할 직원 찾기
+      const approver = currentUserName
+        ? employees.find(e => e.name === currentUserName)
+        : null;
+
+      // 경리/회계/재무 부서 직원 중 랜덤 1명 참조 추가
+      const accountingDepts = ['경리', '회계', '재무'];
+      const accountingStaff = employees.filter(e =>
+        accountingDepts.some(dept => e.department?.includes(dept))
+      );
+      const randomReference = accountingStaff.length > 0
+        ? accountingStaff[Math.floor(Math.random() * accountingStaff.length)]
+        : null;
+
       setBasicInfo(prev => ({
         ...prev,
         ...mockData.basicInfo,
         draftDate: prev.draftDate || mockData.basicInfo.draftDate,
       }));
+
+      // 결재선: 현재 사용자가 직원 목록에 있으면 설정, 없으면 랜덤 1명
+      if (approver) {
+        setApprovalLine([approver]);
+      } else if (employees.length > 0) {
+        const randomApprover = employees[Math.floor(Math.random() * employees.length)];
+        setApprovalLine([randomApprover]);
+      }
+
+      // 참조: 경리/회계/재무 직원이 있으면 설정
+      if (randomReference) {
+        setReferences([randomReference]);
+      }
+
       setProposalData(prev => ({
         ...prev,
         ...mockData.proposalData,
       }));
       toast.success('지출결의서 데이터가 자동 입력되었습니다.');
     }
-  }, [isEditMode, isCopyMode]));
+  }, [isEditMode, isCopyMode, currentUser?.name]));
 
   // 수정 모드: 문서 로드
   useEffect(() => {
diff --git a/src/components/dev/generators/accountingData.ts b/src/components/dev/generators/accountingData.ts
index 94d4ee51..80a085a6 100644
--- a/src/components/dev/generators/accountingData.ts
+++ b/src/components/dev/generators/accountingData.ts
@@ -1,5 +1,5 @@
 /**
- * 회계 샘플 데이터 생성기 (입금, 출금, 매입)
+ * 회계 샘플 데이터 생성기 (입금, 출금, 매입, 카드)
  */
 
 import {
@@ -187,6 +187,24 @@ const PROPOSAL_REASONS = [
   '시설 유지보수',
 ];
 
+// 결재자/참조자 타입
+export interface ApprovalPerson {
+  id: string;
+  department: string;
+  position: string;
+  name: string;
+}
+
+// 경리/회계/재무 부서 샘플 직원 (참조용)
+const ACCOUNTING_STAFF: ApprovalPerson[] = [
+  { id: 'acc-1', department: '경리팀', position: '대리', name: '김경리' },
+  { id: 'acc-2', department: '경리팀', position: '사원', name: '박경리' },
+  { id: 'acc-3', department: '회계팀', position: '과장', name: '이회계' },
+  { id: 'acc-4', department: '회계팀', position: '대리', name: '최회계' },
+  { id: 'acc-5', department: '재무팀', position: '차장', name: '정재무' },
+  { id: 'acc-6', department: '재무팀', position: '과장', name: '강재무' },
+];
+
 export interface PurchaseApprovalFormData {
   basicInfo: {
     drafter: string;
@@ -194,6 +212,8 @@ export interface PurchaseApprovalFormData {
     documentNo: string;
     documentType: string;
   };
+  approvalLine: ApprovalPerson[];
+  references: ApprovalPerson[];
   proposalData: {
     vendor: string;
     vendorPaymentDate: string;
@@ -207,19 +227,42 @@ export interface PurchaseApprovalFormData {
 export interface GeneratePurchaseApprovalDataOptions {
   vendors?: Array<{ id: string; name: string }>;
   documentType?: string;
+  currentUser?: ApprovalPerson;
+}
+
+// 문서번호 생성 (YYYYMMDD-HHMMSS-XXX 형식)
+function generateDocumentNo(): string {
+  const now = new Date();
+  const date = now.toISOString().slice(0, 10).replace(/-/g, '');
+  const time = now.toTimeString().slice(0, 8).replace(/:/g, '');
+  const random = String(randomInt(100, 999));
+  return `DEV-${date}-${time.slice(0, 4)}-${random}`;
 }
 
 export function generatePurchaseApprovalData(options: GeneratePurchaseApprovalDataOptions = {}): PurchaseApprovalFormData {
   const { vendors = SAMPLE_VENDORS, documentType = 'proposal' } = options;
   const vendor = randomPick(vendors);
 
+  // 현재 사용자를 결재선에 추가 (기본값: 홍길동)
+  const currentUser: ApprovalPerson = options.currentUser || {
+    id: 'user-1',
+    department: '개발팀',
+    position: '사원',
+    name: '홍길동',
+  };
+
+  // 경리/회계/재무 직원 중 랜덤으로 1명 참조 추가
+  const randomReference = randomPick(ACCOUNTING_STAFF);
+
   return {
     basicInfo: {
-      drafter: '홍길동',
+      drafter: currentUser.name,
       draftDate: new Date().toISOString().slice(0, 16).replace('T', ' '),
-      documentNo: '',
+      documentNo: generateDocumentNo(),
       documentType,
     },
+    approvalLine: [currentUser],
+    references: [randomReference],
     proposalData: {
       vendor: vendor.name,
       vendorPaymentDate: today(),
@@ -229,4 +272,71 @@ export function generatePurchaseApprovalData(options: GeneratePurchaseApprovalDa
       estimatedCost: randomInt(100000, 5000000),
     },
   };
+}
+
+// ===== 카드 거래 관련 =====
+
+// 가맹점명 목록
+const MERCHANT_NAMES = [
+  '스타벅스 강남점',
+  'GS25 역삼점',
+  '이마트 성수점',
+  '쿠팡 결제',
+  '네이버페이',
+  '배달의민족',
+  '카카오택시',
+  '주유소(SK에너지)',
+  '올리브영 신촌점',
+  '다이소 홍대점',
+  '맥도날드 종로점',
+  '교보문고 광화문점',
+];
+
+// 카드 적요 목록
+const CARD_MEMOS = [
+  '업무용 점심식대',
+  '사무용품 구매',
+  '출장 교통비',
+  '고객 접대비',
+  '회의 다과비',
+  '업무 차량 주유',
+  '직원 간식 구매',
+  '택배비',
+  '',
+];
+
+// 사용유형 (usageType) - 카드 결제 분류
+const CARD_USAGE_TYPES = ['unset', 'meal', 'transport', 'supplies', 'entertainment', 'other'];
+
+export interface CardTransactionFormData {
+  cardId: string;
+  usedAt: string;
+  merchantName: string;
+  amount: number;
+  memo: string;
+  usageType: string;
+}
+
+export interface GenerateCardTransactionDataOptions {
+  cards?: Array<{ id: string | number; name: string; cardNumber?: string }>;
+}
+
+// datetime-local 형식으로 현재 시간 반환 (YYYY-MM-DDTHH:mm)
+function nowDateTimeLocal(): string {
+  const now = new Date();
+  return now.toISOString().slice(0, 16);
+}
+
+export function generateCardTransactionData(options: GenerateCardTransactionDataOptions = {}): CardTransactionFormData {
+  const { cards } = options;
+  const card = cards && cards.length > 0 ? randomPick(cards) : null;
+
+  return {
+    cardId: card ? String(card.id) : '',
+    usedAt: nowDateTimeLocal(),
+    merchantName: randomPick(MERCHANT_NAMES),
+    amount: randomInt(5000, 500000),
+    memo: randomPick(CARD_MEMOS),
+    usageType: 'unset', // 미설정으로 고정
+  };
 }
\ No newline at end of file