diff --git a/blade-third-party-api/blade-bfi-api/src/main/java/org/springblade/thirdparty/bfi/config/BfiFeignClientConfig.java b/blade-third-party-api/blade-bfi-api/src/main/java/org/springblade/thirdparty/bfi/config/BfiFeignClientConfig.java
index 535935c7..72396d90 100644
--- a/blade-third-party-api/blade-bfi-api/src/main/java/org/springblade/thirdparty/bfi/config/BfiFeignClientConfig.java
+++ b/blade-third-party-api/blade-bfi-api/src/main/java/org/springblade/thirdparty/bfi/config/BfiFeignClientConfig.java
@@ -27,14 +27,20 @@ package org.springblade.thirdparty.bfi.config;
 
 import feign.Request;
 import feign.RequestInterceptor;
+import feign.codec.Decoder;
 import feign.codec.Encoder;
 import feign.form.spring.SpringFormEncoder;
 import org.springblade.thirdparty.bfi.interceptor.BfiRequestInterceptor;
 import org.springframework.beans.factory.ObjectFactory;
 import org.springframework.boot.autoconfigure.http.HttpMessageConverters;
+import org.springframework.cloud.openfeign.support.SpringDecoder;
 import org.springframework.cloud.openfeign.support.SpringEncoder;
 import org.springframework.context.annotation.Bean;
+import org.springframework.http.MediaType;
+import org.springframework.http.converter.json.MappingJackson2HttpMessageConverter;
 
+import java.util.Collections;
+import java.util.List;
 import java.util.concurrent.TimeUnit;
 
 /**
@@ -71,4 +77,26 @@ public class BfiFeignClientConfig {
 	public Encoder feignFormEncoder(ObjectFactory<HttpMessageConverters> messageConverters) {
 		return new SpringFormEncoder(new SpringEncoder(messageConverters));
 	}
+
+	/**
+	 * BFI 专用解码器：金蝶部分接口成功响应缺失 Content-Type 头（kong 网关 chunked 转发丢失，
+	 * 如 cas_paybill/query），默认解码器按 application/octet-stream 匹配不到 JSON 转换器导致
+	 * "no suitable HttpMessageConverter" 解码失败。缺失 Content-Type 时强制按 JSON 解码，
+	 * 其余响应保持默认解码逻辑（含二进制下载接口）
+	 */
+	@Bean
+	public Decoder bfiDecoder(ObjectFactory<HttpMessageConverters> messageConverters) {
+		SpringDecoder defaultDecoder = new SpringDecoder(messageConverters);
+		MappingJackson2HttpMessageConverter jacksonConverter = new MappingJackson2HttpMessageConverter();
+		jacksonConverter.setSupportedMediaTypes(List.of(MediaType.APPLICATION_JSON, MediaType.ALL));
+		SpringDecoder forceJsonDecoder = new SpringDecoder(() -> new HttpMessageConverters(jacksonConverter));
+		return (response, type) -> {
+			boolean missingContentType = response.headers().keySet().stream()
+				.noneMatch("content-type"::equalsIgnoreCase);
+			if (missingContentType) {
+				return forceJsonDecoder.decode(response, type);
+			}
+			return defaultDecoder.decode(response, type);
+		};
+	}
 }