diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsContractSpecSyncSupport.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsContractSpecSyncSupport.java
index 27eaaad4..e5fec114 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsContractSpecSyncSupport.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsContractSpecSyncSupport.java
@@ -45,6 +45,7 @@ import org.springblade.transport.pojo.entity.HcsContractCheckLog;
 import org.springframework.stereotype.Component;
 
 import java.time.LocalDateTime;
+import java.util.Arrays;
 import java.util.List;
 
 /**
@@ -149,7 +150,7 @@ public class HcsContractSpecSyncSupport {
 		if (contractManage == null) {
 			throw new ServiceException("合同单不存在：" + id);
 		}
-		if (!List.of(HcsSyncConstant.SPEC_STATUS_APPROVED, HcsSyncConstant.SPEC_STATUS_REJECTED).contains(result)) {
+		if (!Arrays.asList(HcsSyncConstant.SPEC_STATUS_APPROVED, HcsSyncConstant.SPEC_STATUS_REJECTED).contains(result)) {
 			throw new ServiceException("特批结果仅支持 approved/rejected");
 		}
 		if (!HcsSyncConstant.SPEC_STATUS_PROCESSING.equals(contractManage.getHcsSpecStatus())) {
diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsContractSyncSupport.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsContractSyncSupport.java
index 64ed055c..e0cc305d 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsContractSyncSupport.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsContractSyncSupport.java
@@ -62,6 +62,7 @@ import java.time.LocalDate;
 import java.time.LocalDateTime;
 import java.time.format.DateTimeFormatter;
 import java.util.ArrayList;
+import java.util.Arrays;
 import java.util.List;
 import java.util.Map;
 import java.util.Objects;
@@ -189,7 +190,8 @@ public class HcsContractSyncSupport {
 	 */
 	private void hangSpecReview(ContractManage contractManage) {
 		// 终态守卫：合规回调（秒批/秒驳）先于挂起执行时，不得覆盖已落地的结果
-		if (List.of(HcsSyncConstant.SPEC_STATUS_APPROVED, HcsSyncConstant.SPEC_STATUS_REJECTED).contains(contractManage.getHcsSpecStatus())) {
+		// Arrays.asList 允许 null 元素：List.of 的不可变列表 contains(null) 会抛 NPE，而首次推送时 hcsSpecStatus 为 null
+		if (Arrays.asList(HcsSyncConstant.SPEC_STATUS_APPROVED, HcsSyncConstant.SPEC_STATUS_REJECTED).contains(contractManage.getHcsSpecStatus())) {
 			log.info("HCS合同高风险/黑名单但特批已有终态（单次有效），跳过挂起：contractNo={}，hcsSpecStatus={}",
 				contractManage.getContractNo(), contractManage.getHcsSpecStatus());
 			return;
diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsImmediatePushSupport.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsImmediatePushSupport.java
index 24909e92..bf3980ce 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsImmediatePushSupport.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsImmediatePushSupport.java
@@ -40,6 +40,7 @@ import org.springframework.transaction.support.TransactionSynchronization;
 import org.springframework.transaction.support.TransactionSynchronizationManager;
 
 import java.time.Duration;
+import java.util.Arrays;
 import java.util.List;
 import java.util.UUID;
 import java.util.concurrent.ExecutorService;
@@ -182,7 +183,7 @@ public class HcsImmediatePushSupport {
 				|| HcsSyncConstant.HCS_STATUS_SYNCED.equals(contractManage.getHcsSyncStatus())) {
 				return;
 			}
-			if (List.of(HcsSyncConstant.SPEC_STATUS_NEED, HcsSyncConstant.SPEC_STATUS_PROCESSING).contains(contractManage.getHcsSpecStatus())) {
+			if (Arrays.asList(HcsSyncConstant.SPEC_STATUS_NEED, HcsSyncConstant.SPEC_STATUS_PROCESSING).contains(contractManage.getHcsSpecStatus())) {
 				log.info("HCS合同即时推送跳过（特批挂起中）：id={}，hcsSpecStatus={}", id, contractManage.getHcsSpecStatus());
 				return;
 			}
diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsPaymentSyncSupport.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsPaymentSyncSupport.java
index 87e33e70..ccab31e5 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsPaymentSyncSupport.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/support/hcs/HcsPaymentSyncSupport.java
@@ -39,6 +39,7 @@ import org.springblade.transport.pojo.entity.PaymentApplication;
 import org.springframework.stereotype.Component;
 
 import java.time.LocalDateTime;
+import java.util.Arrays;
 import java.util.List;
 
 /**
@@ -129,7 +130,7 @@ public class HcsPaymentSyncSupport {
 		if (payment == null) {
 			throw new ServiceException("付款申请单不存在：" + id);
 		}
-		if (!List.of(HcsSyncConstant.SPEC_STATUS_APPROVED, HcsSyncConstant.SPEC_STATUS_REJECTED).contains(result)) {
+		if (!Arrays.asList(HcsSyncConstant.SPEC_STATUS_APPROVED, HcsSyncConstant.SPEC_STATUS_REJECTED).contains(result)) {
 			throw new ServiceException("特批结果仅支持 approved/rejected");
 		}
 		if (!HcsSyncConstant.SPEC_STATUS_PROCESSING.equals(payment.getHcsSpecStatus())) {