diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/constant/HcsSyncConstant.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/constant/HcsSyncConstant.java
index 13069ebd..7f870d9a 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/constant/HcsSyncConstant.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/constant/HcsSyncConstant.java
@@ -25,6 +25,8 @@
  */
 package org.springblade.transport.constant;
 
+import java.util.List;
+
 /**
  * HCS（合同合规系统）同步常量（TMS 业务侧）
  * <p>
@@ -175,6 +177,26 @@ public final class HcsSyncConstant {
 	 */
 	public static final String CUSTOMER_KIND_INTERNAL = "internal";
 
+	/**
+	 * 合同审核通过状态集合（首推/变更通过，客商风险定时刷新扫描口径与 HcsPushTask 一致）
+	 */
+	public static final List<String> CONTRACT_APPROVED_STATUSES = List.of("approved", "change_approved");
+
+	/**
+	 * 合同已终止当前节点展示名（客商风险定时刷新排除已终止合同）
+	 */
+	public static final String CONTRACT_TERMINATED_NODE = "已终止";
+
+	/**
+	 * 客商风险等级业务字典编码（dictKey=C101-1 风险等级 0/1/2，dictValue=低风险/中风险/高风险）
+	 */
+	public static final String RISK_LEVEL_DICT_CODE = "risk_level";
+
+	/**
+	 * 客商风险定时刷新批量（200 客商/批：批内黑名单一次查询 + C101-1 逐个查询，查完立即提交数据库，批间互不影响）
+	 */
+	public static final int CUSTOMER_RISK_REFRESH_BATCH = 200;
+
 	/**
 	 * 合同附件类型字段名（与前端附件元数据 fileType 字段对齐，值取业务字典 contract_attachment_type）
 	 */
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 2b158e4e..4c74ac7c 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
@@ -26,6 +26,7 @@
 package org.springblade.transport.support.hcs;
 
 import com.baomidou.mybatisplus.core.toolkit.Wrappers;
+import com.baomidou.mybatisplus.extension.toolkit.Db;
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springblade.core.log.exception.ServiceException;
@@ -40,6 +41,10 @@ import org.springblade.hcs.dto.HcsRiskQueryDTO;
 import org.springblade.hcs.dto.HcsRiskVO;
 import org.springblade.hcs.exception.HcsException;
 import org.springblade.hcs.feign.IHcsClient;
+import org.springblade.system.cache.DictBizCache;
+import org.springblade.system.cache.DictCache;
+import org.springblade.thirdparty.bfi.pojo.vo.BfiBlacklistVO;
+import org.springblade.thirdparty.bfi.service.IBfiService;
 import org.springblade.transport.constant.HcsSyncConstant;
 import org.springblade.transport.mapper.ContractManageMapper;
 import org.springblade.transport.mapper.CustomerArchiveMapper;
@@ -52,11 +57,14 @@ import org.springblade.transport.pojo.vo.CustomerRiskVO;
 import org.springframework.stereotype.Component;
 
 import java.math.BigDecimal;
+import java.time.LocalDate;
 import java.time.LocalDateTime;
 import java.util.ArrayList;
+import java.util.HashMap;
 import java.util.List;
 import java.util.Map;
 import java.util.Objects;
+import java.util.stream.Stream;
 
 /**
  * HCS 付款提交校验支撑组件（C101-1 客商风险 + C106-1 额度校验，设计文档 §5.4，D15/R2-Q3）
@@ -87,6 +95,7 @@ public class HcsCreditCheckSupport {
 	private final ContractManageMapper contractManageMapper;
 	private final CustomerArchiveMapper customerArchiveMapper;
 	private final HcsContractCheckLogMapper hcsContractCheckLogMapper;
+	private final IBfiService bfiService;
 
 	/**
 	 * 付款提交同步校验入口（submit 事务内调用，校验结果字段随提交一并落库）
@@ -195,7 +204,7 @@ public class HcsCreditCheckSupport {
 	/**
 	 * 客商风险查询（C101-1，展示与提交校验共用，前端接入设计 §3.3）：
 	 * 内部组织类型客商默认无风险（不调 C101-1）；外部客商按编号查询风险等级与黑名单状态并留痕；
-	 * 高风险/黑名单时组装风险提示文案（风险项明细 C101-1 未返回，固定文案展示）
+	 * riskTip 经 {@link #buildRiskDetail} 统一组装（等级 + 金蝶黑名单失信类别/列入事由），与列表悬浮明细同口径
 	 *
 	 * @param customerCode 客商编号
 	 * @return 风险展示信息（customerKind/fdBlackStatus/fdRiskLevel/risky/riskTip）
@@ -208,16 +217,43 @@ public class HcsCreditCheckSupport {
 			.eq(CustomerArchive::getCustomerCode, customerCode)
 			.eq(CustomerArchive::getIsDeleted, 0)
 			.last("limit 1"));
-		CustomerRiskVO riskVO = new CustomerRiskVO();
-		riskVO.setCustomerCode(customerCode);
-		riskVO.setCustomerName(customerArchive == null ? customerCode : customerArchive.getFullName());
+		String customerName = customerArchive == null ? 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）
-		boolean internal = isInternalCustomer(customerArchive);
-		riskVO.setCustomerKind(internal ? HcsSyncConstant.CUSTOMER_KIND_INTERNAL : "external");
-		if (internal) {
+		if (isInternalCustomer(customerArchive)) {
+			CustomerRiskVO riskVO = new CustomerRiskVO();
+			riskVO.setCustomerCode(customerCode);
+			riskVO.setCustomerName(customerName);
+			riskVO.setCustomerKind(HcsSyncConstant.CUSTOMER_KIND_INTERNAL);
 			riskVO.setRisky(Boolean.FALSE);
 			return riskVO;
 		}
+		RelativeRiskResult fetch = this.fetchRelativeRisk(customerCode, customerName);
+		CustomerRiskVO riskVO = fetch.risk();
+		// 表单实时提示与列表明细统一组装口径：追加金蝶黑名单段（A801-5 按档案信用代码查询，失败静默缺失）
+		String creditCode = customerArchive == null ? null : customerArchive.getUnifiedCreditCode();
+		BfiBlacklistVO hit = StringUtil.isBlank(creditCode) ? null
+			: this.queryBlacklistByCodes(List.of(creditCode.trim().toUpperCase())).get(creditCode.trim().toUpperCase());
+		String blackCategory = hit == null ? null
+			: (Func.isEmpty(hit.getAwrpCombofieldTitle()) ? hit.getAwrpCombofield() : hit.getAwrpCombofieldTitle());
+		riskVO.setRiskTip(buildRiskDetail(customerName, BLACK_STATUS_YES.equalsIgnoreCase(riskVO.getFdBlackStatus()),
+			riskVO.getFdRiskLevel(), blackCategory, hit == null ? null : hit.getAwrpTextareafield()));
+		try {
+			hcsContractCheckLogMapper.insert(this.buildRiskCheckLog(customerCode, riskVO, fetch.traceId()));
+		} catch (Exception exception) {
+			log.error("HCS客商风险查询留痕写入失败：fdNumber={}", customerCode, exception);
+		}
+		return riskVO;
+	}
+
+	/**
+	 * C101-1 单客商远程查询并组装展示信息（不查档案、不写留痕，供单查与定时批量刷新复用）；
+	 * riskTip 不在本方法组装，由调用方经 {@link #buildRiskDetail} 统一组装
+	 *
+	 * @param customerCode 客商编号
+	 * @param customerName 客商名称（展示信息用）
+	 * @return 风险展示信息 + 合规 traceId
+	 */
+	private RelativeRiskResult fetchRelativeRisk(String customerCode, String customerName) {
 		HcsRiskQueryDTO param = new HcsRiskQueryDTO();
 		// 【必填】客商编号（用哪个编码待联调，§9-U6）
 		param.setFdNumber(customerCode);
@@ -231,28 +267,36 @@ public class HcsCreditCheckSupport {
 		String blackStatus = risk == null ? null : risk.getFdBlackStatus();
 		String riskLevel = risk == null ? null : risk.getFdRiskLevel();
 		boolean risky = HcsSyncConstant.RISK_LEVEL_HIGH.equals(riskLevel) || BLACK_STATUS_YES.equalsIgnoreCase(blackStatus);
+		CustomerRiskVO riskVO = new CustomerRiskVO();
+		riskVO.setCustomerCode(customerCode);
+		riskVO.setCustomerName(customerName);
+		riskVO.setCustomerKind("external");
 		riskVO.setFdBlackStatus(blackStatus);
 		riskVO.setFdRiskLevel(riskLevel);
 		riskVO.setRiskLevelName(riskLevelName(blackStatus, riskLevel));
 		riskVO.setRisky(risky);
-		if (risky) {
-			// 风险提示固定短文案（C101-1 未返回风险项明细，不拼接枚举清单）：黑名单与高风险区分表述
-			riskVO.setRiskTip("【" + riskVO.getCustomerName() + "】："
-				+ (BLACK_STATUS_YES.equalsIgnoreCase(blackStatus) ? "被列入外部黑名单" : "为高风险客商"));
-		}
-		try {
-			HcsContractCheckLog checkLog = new HcsContractCheckLog();
-			checkLog.setBizType(HcsSyncConstant.BIZ_TYPE_CONTRACT);
-			checkLog.setCheckType(HcsSyncConstant.CHECK_TYPE_RISK);
-			checkLog.setResult(risky ? HcsSyncConstant.CHECK_RESULT_FAIL : HcsSyncConstant.CHECK_RESULT_PASS);
-			checkLog.setMsg("客商风险查询[" + customerCode + "]黑名单=" + blackStatus + "，风险等级=" + riskLevel + "，高风险/黑名单=" + risky);
-			checkLog.setTraceId(result.getTraceId());
-			checkLog.setCreateTime(LocalDateTime.now());
-			hcsContractCheckLogMapper.insert(checkLog);
-		} catch (Exception exception) {
-			log.error("HCS客商风险查询留痕写入失败：fdNumber={}", customerCode, exception);
-		}
-		return riskVO;
+		return new RelativeRiskResult(riskVO, result.getTraceId());
+	}
+
+	/**
+	 * C101-1 单次远程查询结果（风险展示信息 + 合规 traceId，留痕与批量刷新共用）
+	 */
+	private record RelativeRiskResult(CustomerRiskVO risk, String traceId) {
+	}
+
+	/**
+	 * 组装客商风险查询留痕（单查与定时批量刷新共用，msg 口径一致）
+	 */
+	private HcsContractCheckLog buildRiskCheckLog(String customerCode, CustomerRiskVO risk, String traceId) {
+		HcsContractCheckLog checkLog = new HcsContractCheckLog();
+		checkLog.setBizType(HcsSyncConstant.BIZ_TYPE_CONTRACT);
+		checkLog.setCheckType(HcsSyncConstant.CHECK_TYPE_RISK);
+		checkLog.setResult(Boolean.TRUE.equals(risk.getRisky()) ? HcsSyncConstant.CHECK_RESULT_FAIL : HcsSyncConstant.CHECK_RESULT_PASS);
+		checkLog.setMsg("客商风险查询[" + customerCode + "]黑名单=" + risk.getFdBlackStatus()
+			+ "，风险等级=" + risk.getFdRiskLevel() + "，高风险/黑名单=" + risk.getRisky());
+		checkLog.setTraceId(traceId);
+		checkLog.setCreateTime(LocalDateTime.now());
+		return checkLog;
 	}
 
 	/**
@@ -287,18 +331,67 @@ public class HcsCreditCheckSupport {
 	}
 
 	/**
-	 * 风险等级转义（C101-1 枚举 0=低风险/1=中风险/2=高风险）：黑名单状态优先展示，无等级返回空
+	 * 风险等级转义：黑名单状态优先展示；等级走业务字典 risk_level 翻译（{@link #resolveRiskLevelName}），无等级返回空
 	 */
 	private String riskLevelName(String blackStatus, String riskLevel) {
 		if (BLACK_STATUS_YES.equalsIgnoreCase(blackStatus)) {
 			return "黑名单";
 		}
-		return switch (Objects.toString(riskLevel, "")) {
-			case "2" -> "高风险";
-			case "1" -> "中风险";
-			case "0" -> "低风险";
-			default -> null;
-		};
+		return resolveRiskLevelName(riskLevel);
+	}
+
+	/**
+	 * 客商风险等级名称翻译（业务字典 risk_level，dictKey=C101-1 风险等级 0=低风险/1=中风险/2=高风险）；
+	 * 业务字典未命中兜底系统字典，仍未命中返回 null（明细不拼等级段）；列表组装与展示链路统一复用本方法
+	 *
+	 * @param riskLevel C101-1 风险等级
+	 * @return 等级名称，未命中返回 null
+	 */
+	public static String resolveRiskLevelName(String riskLevel) {
+		if (Func.isEmpty(riskLevel)) {
+			return null;
+		}
+		String levelName = DictBizCache.getValue(HcsSyncConstant.RISK_LEVEL_DICT_CODE, riskLevel);
+		if (StringUtil.isBlank(levelName)) {
+			levelName = DictCache.getValue(HcsSyncConstant.RISK_LEVEL_DICT_CODE, riskLevel);
+		}
+		return StringUtil.isBlank(levelName) ? null : levelName;
+	}
+
+	/**
+	 * 组装客商风险明细文案（后台统一组装、前端只展示；列表悬浮明细与表单实时提示共用本方法，口径一致），
+	 * 格式：【客商名称】：被列入外部黑名单（失信类别：xx）；{列入事由}；风险等级：xx，分段说明：
+	 * ① 黑名单段：合同系统黑名单（blackStatusYes）或金蝶黑名单命中（类别/事由任一非空）→「被列入外部黑名单」，
+	 * 失信类别（A801-5 awrp_combofield_title，缺失兜底 awrp_combofield）有值时括号展示区分禁止交易/风险警示类；
+	 * ② 列入事由：金蝶 A801-5 awrp_textareafield 真实明细，非空时追加；
+	 * ③ 等级段：C101-1 风险等级（risk_level 字典翻译，黑名单不转义、按实际等级展示），非空时追加
+	 *
+	 * @param customerName 客商名称
+	 * @param blackStatusYes 合同系统黑名单状态（C101-1 fdBlackStatus=yes）
+	 * @param riskLevel C101-1 风险等级（0/1/2）
+	 * @param blackCategory 金蝶黑名单失信类别
+	 * @param blackReason 金蝶黑名单列入事由
+	 * @return 明细文案，无风险信息返回空字符串
+	 */
+	public static String buildRiskDetail(String customerName, boolean blackStatusYes, String riskLevel, String blackCategory, String blackReason) {
+		List<String> parts = new ArrayList<>();
+		boolean blacklist = blackStatusYes || Func.isNotEmpty(blackCategory) || Func.isNotEmpty(blackReason);
+		if (blacklist) {
+			parts.add(Func.isNotEmpty(blackCategory)
+				? "被列入外部黑名单（失信类别：" + blackCategory + "）"
+				: "被列入外部黑名单");
+		}
+		if (Func.isNotEmpty(blackReason)) {
+			parts.add(blackReason);
+		}
+		String levelName = resolveRiskLevelName(riskLevel);
+		if (StringUtil.isNotBlank(levelName)) {
+			parts.add("风险等级：" + levelName);
+		}
+		if (parts.isEmpty()) {
+			return "";
+		}
+		return "【" + customerName + "】：" + String.join("；", parts);
 	}
 
 	/**
@@ -324,6 +417,139 @@ public class HcsCreditCheckSupport {
 		return riskList;
 	}
 
+	/**
+	 * 客商风险每日定时刷新（C101-1，客商档案列表展示与筛选数据源）：
+	 * ① 取合同期限内（正式/临时期限任一覆盖当天）审核通过且未终止合同的甲乙方名称；
+	 * ② 按名称反查客商档案，内部组织客商默认无风险跳过；
+	 * ③ 逐个查询 C101-1（接口仅支持单编号，属远程调用非数据库 N+1；复用 {@link #fetchRelativeRisk}，不重复查档案），
+	 * 单个失败记 error 日志不中断（失败原因备查）；
+	 * ④ 外部客商按 200/批切分，每批黑名单（A801-5）一次批量查询 + C101-1 逐个远程查询，失信类别/列入事由落原始字段
+	 * （明细文案由列表查询统一组装）；
+	 * ⑤ 每批成功结果立即批量落库（Db.updateBatchById，仅提交 id + 风险列，不整行回写）+ 留痕批量写入（Db.saveBatch），
+	 * 风险/黑名单批次互不影响，单批失败不中断其余批次，避免逐条操作数据库
+	 *
+	 * @return 结果汇总描述
+	 */
+	public String refreshCustomerRiskForActiveContracts() {
+		LocalDate today = LocalDate.now();
+		List<ContractManage> contractList = contractManageMapper.selectList(Wrappers.<ContractManage>lambdaQuery()
+			.select(ContractManage::getPartyA, ContractManage::getPartyB)
+			.in(ContractManage::getApprovalStatus, HcsSyncConstant.CONTRACT_APPROVED_STATUSES)
+			.ne(ContractManage::getCurrentNode, HcsSyncConstant.CONTRACT_TERMINATED_NODE)
+			.and(wrapper -> wrapper
+				.and(item -> item.le(ContractManage::getStartDate, today).ge(ContractManage::getEndDate, today))
+				.or(item -> item.le(ContractManage::getTemporaryStartDate, today).ge(ContractManage::getTemporaryEndDate, today))));
+		List<String> partyNames = contractList.stream()
+			.flatMap(contract -> Stream.of(contract.getPartyA(), contract.getPartyB()))
+			.filter(Func::isNotEmpty)
+			.map(String::trim)
+			.distinct()
+			.toList();
+		if (partyNames.isEmpty()) {
+			return "合同期限内无生效合同，未刷新客商风险";
+		}
+		List<CustomerArchive> archiveList = customerArchiveMapper.selectList(Wrappers.<CustomerArchive>lambdaQuery()
+			.in(CustomerArchive::getFullName, partyNames)
+			.eq(CustomerArchive::getIsDeleted, 0));
+		List<CustomerArchive> externalArchives = archiveList.stream()
+			.filter(customerArchive -> !isInternalCustomer(customerArchive))
+			.toList();
+		int internalCount = archiveList.size() - externalArchives.size();
+		int refreshCount = 0;
+		int failCount = 0;
+		// 外部客商按 200/批处理：每批黑名单一次批量查询 + C101-1 逐个远程查询（接口仅支持单编号，非数据库 N+1），
+		// 批内成功结果立即批量落库与留痕，风险/黑名单批次互不影响，单批失败不中断其余批次
+		for (int start = 0; start < externalArchives.size(); start += HcsSyncConstant.CUSTOMER_RISK_REFRESH_BATCH) {
+			List<CustomerArchive> batch = externalArchives.subList(start, Math.min(start + HcsSyncConstant.CUSTOMER_RISK_REFRESH_BATCH, externalArchives.size()));
+			Map<String, BfiBlacklistVO> blacklistMap = this.queryBlacklistByCodes(batch.stream()
+				.map(CustomerArchive::getUnifiedCreditCode)
+				.filter(Func::isNotEmpty)
+				.map(code -> code.trim().toUpperCase())
+				.distinct()
+				.toList());
+			List<CustomerArchive> batchRefreshList = new ArrayList<>();
+			List<HcsContractCheckLog> batchCheckLogs = new ArrayList<>();
+			for (CustomerArchive customerArchive : batch) {
+				try {
+					RelativeRiskResult fetch = this.fetchRelativeRisk(customerArchive.getCustomerCode(), customerArchive.getFullName());
+					CustomerRiskVO risk = fetch.risk();
+					// 仅提交风险列，避免整行回写覆盖刷新期间其它并发修改（审批状态/额度/金蝶推送等）
+					CustomerArchive riskPatch = new CustomerArchive();
+					riskPatch.setId(customerArchive.getId());
+					riskPatch.setHcsRiskLevel(risk.getFdRiskLevel());
+					riskPatch.setHcsBlackStatus(risk.getFdBlackStatus());
+					riskPatch.setHcsRiskTime(LocalDateTime.now());
+					// 金蝶黑名单命中落原始字段（失信类别/列入事由），明细文案由列表查询统一组装
+					BfiBlacklistVO hit = Func.isEmpty(customerArchive.getUnifiedCreditCode())
+						? null : blacklistMap.get(customerArchive.getUnifiedCreditCode().trim().toUpperCase());
+					if (hit != null) {
+						String category = Func.isEmpty(hit.getAwrpCombofieldTitle()) ? hit.getAwrpCombofield() : hit.getAwrpCombofieldTitle();
+						riskPatch.setKingdeeBlackCategory(category);
+						riskPatch.setKingdeeBlackReason(hit.getAwrpTextareafield());
+					}
+					batchCheckLogs.add(this.buildRiskCheckLog(customerArchive.getCustomerCode(), risk, fetch.traceId()));
+					batchRefreshList.add(riskPatch);
+				} catch (Exception exception) {
+					failCount++;
+					log.error("定时刷新客商风险失败：customerCode={}，fullName={}",
+						customerArchive.getCustomerCode(), customerArchive.getFullName(), exception);
+				}
+			}
+			// 批内成功结果立即提交数据库，批间互不影响
+			if (!batchRefreshList.isEmpty()) {
+				Db.updateBatchById(batchRefreshList);
+				refreshCount += batchRefreshList.size();
+			}
+			this.saveRiskCheckLogs(batchCheckLogs);
+		}
+		String summary = String.format("生效合同 %d 份，覆盖客商 %d 个，刷新 %d 个，内部客商跳过 %d 个，失败 %d 个",
+			contractList.size(), archiveList.size(), refreshCount, internalCount, failCount);
+		if (failCount > 0) {
+			log.warn("定时刷新客商风险存在失败：{}", summary);
+		}
+		return summary;
+	}
+
+	/**
+	 * 金蝶黑名单批量查询（A801-5，定时刷新专用，调用方按 200 客商/批切分保证入参 ≤200）：
+	 * 键为大写税号；失信类别取 awrp_combofield_title、缺失兜底 awrp_combofield（口径同提审校验 validateBlacklist）；
+	 * 查询异常不阻断刷新，记 error 日志备查后返回空 map（该批黑名单段缺失）
+	 *
+	 * @param creditCodes 统一社会信用代码集合（大写，≤200）
+	 * @return 大写税号 -> 黑名单记录
+	 */
+	private Map<String, BfiBlacklistVO> queryBlacklistByCodes(List<String> creditCodes) {
+		if (creditCodes.isEmpty()) {
+			return Map.of();
+		}
+		try {
+			Map<String, BfiBlacklistVO> blacklistMap = new HashMap<>();
+			for (BfiBlacklistVO item : this.bfiService.queryBlacklist("1", creditCodes)) {
+				if (Func.isNotEmpty(item.getNumber())) {
+					blacklistMap.put(item.getNumber().trim().toUpperCase(), item);
+				}
+			}
+			return blacklistMap;
+		} catch (Exception exception) {
+			log.error("定时刷新客商风险批量查询金蝶黑名单失败：size={}", creditCodes.size(), exception);
+			return Map.of();
+		}
+	}
+
+	/**
+	 * 客商风险留痕批量写入（Db.saveBatch，避免逐条 insert）；失败记 error 日志备查，不阻断刷新结果
+	 */
+	private void saveRiskCheckLogs(List<HcsContractCheckLog> checkLogs) {
+		if (checkLogs.isEmpty()) {
+			return;
+		}
+		try {
+			Db.saveBatch(checkLogs);
+		} catch (Exception exception) {
+			log.error("定时刷新客商风险留痕批量写入失败：size={}", checkLogs.size(), exception);
+		}
+	}
+
 	/**
 	 * 按名称反查客商档案（内部/外部类型判断与客商编码获取共用；查不到返回 null）
 	 */
diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/task/CustomerRiskRefreshTask.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/task/CustomerRiskRefreshTask.java
new file mode 100644
index 00000000..862f6cde
--- /dev/null
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/task/CustomerRiskRefreshTask.java
@@ -0,0 +1,72 @@
+/**
+ * BladeX Commercial License Agreement
+ * Copyright (c) 2018-2099, https://bladex.cn. All rights reserved.
+ * <p>
+ * Use of this software is governed by the Commercial License Agreement
+ * obtained after purchasing a license from BladeX.
+ * <p>
+ * 1. This software is for development use only under a valid license
+ * from BladeX.
+ * <p>
+ * 2. Redistribution of this software's source code to any third party
+ * without a commercial license is strictly prohibited.
+ * <p>
+ * 3. Licensees may copyright their own code but cannot use segments
+ * from this software for such purposes. Copyright of this software
+ * remains with BladeX.
+ * <p>
+ * Using this software signifies agreement to this License, and the software
+ * must not be used for illegal purposes.
+ * <p>
+ * THIS SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY. The author is
+ * not liable for any claims arising from secondary or illegal development.
+ * <p>
+ * Author: Chill Zhuang (bladejava@qq.com)
+ */
+package org.springblade.transport.task;
+
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.springblade.hcs.config.HcsProperties;
+import org.springblade.transport.support.hcs.HcsCreditCheckSupport;
+import org.springframework.scheduling.annotation.Scheduled;
+import org.springframework.cloud.context.config.annotation.RefreshScope;
+import org.springframework.stereotype.Component;
+
+/**
+ * 客商风险每日定时刷新任务（C101-1）
+ * <p>
+ * 合同期限范围内的生效合同，每日定时查询其甲乙方关联客商的风险等级/黑名单状态并落库
+ * （blade_customer_archive.hcs_risk_level/hcs_black_status/hcs_risk_time），
+ * 作为客商档案列表「客商风险」列展示与筛选的数据源；查询逐次留痕 blade_hcs_check_log，
+ * 单个失败记录失败原因日志备查。
+ * 业务逻辑收敛在 {@link HcsCreditCheckSupport#refreshCustomerRiskForActiveContracts()}，便于手动触发联调。
+ * <p>
+ * 调度配置（Nacos thirdParty.hcs.risk.*）：refreshEnabled 开关、refreshCron 表达式。
+ *
+ * @author Chill
+ */
+@Slf4j
+@Component
+@RefreshScope
+@RequiredArgsConstructor
+public class CustomerRiskRefreshTask {
+
+	private final HcsCreditCheckSupport hcsCreditCheckSupport;
+	private final HcsProperties hcsProperties;
+
+	/** 客商风险每日刷新调度，默认每天 02:30 执行（错开金蝶客商同步 02:00） */
+	@Scheduled(cron = "${thirdParty.hcs.risk.refreshCron:0 30 2 * * ?}")
+	public void refreshCustomerRisk() {
+		if (!hcsProperties.getRisk().isRefreshEnabled()) {
+			return;
+		}
+		try {
+			String summary = hcsCreditCheckSupport.refreshCustomerRiskForActiveContracts();
+			log.info("定时刷新客商风险：{}", summary);
+		} catch (Exception exception) {
+			log.error("定时刷新客商风险异常", exception);
+		}
+	}
+
+}
diff --git a/blade-third-party-api/blade-hcs-api/src/main/java/org/springblade/hcs/config/HcsProperties.java b/blade-third-party-api/blade-hcs-api/src/main/java/org/springblade/hcs/config/HcsProperties.java
index dc2b4b2a..56580bb0 100644
--- a/blade-third-party-api/blade-hcs-api/src/main/java/org/springblade/hcs/config/HcsProperties.java
+++ b/blade-third-party-api/blade-hcs-api/src/main/java/org/springblade/hcs/config/HcsProperties.java
@@ -252,6 +252,11 @@ public class HcsProperties {
 		 * 付款提交前风险校验开关
 		 */
 		private boolean checkOnPayment = true;
+		/**
+		 * 客商风险每日定时刷新开关（thirdParty.hcs.risk.refresh-enabled，默认关闭）：
+		 * 刷新合同期限内生效合同关联客商的风险等级/黑名单状态并落库，支撑列表展示与筛选
+		 */
+		private boolean refreshEnabled = false;
 	}
 
 	@Data
diff --git a/doc/nacos/third-party-api.yaml b/doc/nacos/third-party-api.yaml
index efbaaef0..d09370cd 100644
--- a/doc/nacos/third-party-api.yaml
+++ b/doc/nacos/third-party-api.yaml
@@ -245,6 +245,10 @@ thirdParty:
     risk:
       check-on-contract: ${HCS_RISK_CHECK_ON_CONTRACT:true}
       check-on-payment: ${HCS_RISK_CHECK_ON_PAYMENT:true}
+      # 客商风险每日定时刷新开关（刷新合同期限内生效合同关联客商并落库，支撑列表展示与筛选，默认关）
+      refresh-enabled: ${HCS_RISK_REFRESH_ENABLED:false}
+      # 客商风险刷新调度 cron，默认每天 02:30（错开金蝶客商同步 02:00）
+      refresh-cron: ${HCS_RISK_REFRESH_CRON:0 30 2 * * ?}
       # 黑名单是否阻断（合同置 failed / 付款提交拦截）
       #  block-blacklist: ${HCS_RISK_BLOCK_BLACKLIST:true}
     # 额度校验（C106-1，一期暂不对接）