diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/controller/HcsSyncController.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/controller/HcsSyncController.java
index f18be7eb..0a721310 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/controller/HcsSyncController.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/controller/HcsSyncController.java
@@ -217,14 +217,15 @@ public class HcsSyncController {
 	/**
 	 * 客商风险等级查询（C101-1，展示用，前端接入设计 §3.3；强制校验仍在推送/付款链路）：
 	 * 内部组织类型客商默认无风险不调合规，外部客商高风险/黑名单返回提示文案；
-	 * creditCode 供新增客商（档案未落库）查金蝶黑名单兜底，档案存在时以档案为准
+	 * creditCode/customerName 供新增客商（档案未落库）查金蝶黑名单、拼装提示名称兜底，档案存在时以档案为准
 	 */
 	@GetMapping("/risk")
 	@ApiOperationSupport(order = 10)
-	@Operation(summary = "客商风险等级查询", description = "C101-1 按客商编号查询风险等级与黑名单状态（展示用），内部客商默认无风险，高风险/黑名单返回风险提示文案，结果留痕；creditCode 为新增客商场景金蝶黑名单查询兜底")
+	@Operation(summary = "客商风险等级查询", description = "C101-1 按客商编号查询风险等级与黑名单状态（展示用），内部客商默认无风险，高风险/黑名单返回风险提示文案，结果留痕；creditCode/customerName 为新增客商场景兜底入参")
 	public R<CustomerRiskVO> risk(@Parameter(description = "客商编号", required = true) @RequestParam String customerCode,
-		@Parameter(description = "统一社会信用代码（新增客商档案未落库时兜底查金蝶黑名单）") @RequestParam(required = false) String creditCode) {
-		return R.data(hcsCreditCheckSupport.queryCustomerRisk(customerCode, creditCode));
+		@Parameter(description = "统一社会信用代码（新增客商档案未落库时兜底查金蝶黑名单）") @RequestParam(required = false) String creditCode,
+		@Parameter(description = "客商名称（新增客商档案未落库时提示文案名称兜底）") @RequestParam(required = false) String customerName) {
+		return R.data(hcsCreditCheckSupport.queryCustomerRisk(customerCode, creditCode, customerName));
 	}
 
 	/**
diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsCreditCheckSupport.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsCreditCheckSupport.java
index 2bd22cf2..235443a4 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsCreditCheckSupport.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsCreditCheckSupport.java
@@ -212,19 +212,21 @@ public class HcsCreditCheckSupport {
 	 * @return 风险展示信息（customerKind/fdBlackStatus/fdRiskLevel/risky/riskTip）
 	 */
 	public CustomerRiskVO queryCustomerRisk(String customerCode) {
-		return this.queryCustomerRisk(customerCode, null);
+		return this.queryCustomerRisk(customerCode, null, null);
 	}
 
 	/**
-	 * 客商风险查询（带信用代码，新增客商档案表单实时校验用）：
+	 * 客商风险查询（带信用代码/名称，新增客商档案表单实时校验用）：
 	 * 金蝶带出的客商尚未落库（本地档案反查不到）时，信用代码无法从档案取得，
-	 * 由前端将金蝶档案带出的统一社会信用代码随编号一并传入，保证 A801-5 黑名单段不缺失
+	 * 由前端将金蝶档案带出的统一社会信用代码随编号一并传入，保证 A801-5 黑名单段不缺失；
+	 * 档案缺失时客商名称同样兜底用传入名称（否则提示文案里只能回显编号）
 	 *
-	 * @param customerCode 客商编号（金蝶档案带出的编码）
+	 * @param customerCode 客商编号（金蝶档案带出的编码或手输编号）
 	 * @param creditCode 统一社会信用代码（档案存在时以档案为准，档案缺失时兜底入参）
+	 * @param customerNameParam 客商名称（档案缺失时兜底展示用）
 	 * @return 风险展示信息
 	 */
-	public CustomerRiskVO queryCustomerRisk(String customerCode, String creditCode) {
+	public CustomerRiskVO queryCustomerRisk(String customerCode, String creditCode, String customerNameParam) {
 		if (StringUtil.isBlank(customerCode)) {
 			throw new ServiceException("客商编号不能为空");
 		}
@@ -232,7 +234,10 @@ public class HcsCreditCheckSupport {
 			.eq(CustomerArchive::getCustomerCode, customerCode)
 			.eq(CustomerArchive::getIsDeleted, 0)
 			.last("limit 1"));
-		String customerName = customerArchive == null ? customerCode : customerArchive.getFullName();
+		// 档案存在以档案名称为准；档案缺失（新增客商实时校验）兜底用前端传入名称，最后才回显编号
+		String customerName = customerArchive == null
+			? (StringUtil.isNotBlank(customerNameParam) ? customerNameParam : customerCode)
+			: customerArchive.getFullName();
 		// 内部组织类型客商默认无风险；档案不存在按外部客商查询（不静默放行）
 		if (isInternalCustomer(customerArchive)) {
 			CustomerRiskVO riskVO = new CustomerRiskVO();