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 4cbaf90e..f98a1e61 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
@@ -130,7 +130,10 @@ public class HcsContractSyncSupport {
 			markSynced(contractManage, contractManage.getHcsFdId(), "C103-11 合同更新成功");
 			resultMessage = "C103-11 合同更新成功";
 		}
-		// ⑤ 履约规则 C103-9 行级同步（随合同链路，§5.3；失败抛出由任务落 failed，下轮凭 hcs_fd_id 走更新补偿）
+		// ⑤ 履约规则 C103-9 行级同步（随合同链路，§5.3；一期暂不对接默认关，打开后失败抛出由任务落 failed，下轮凭 hcs_fd_id 走更新补偿）
+		if (!hcsProperties.getExeStage().isSyncEnabled()) {
+			return resultMessage;
+		}
 		String exeStageResult = hcsExeStageSyncSupport.syncExeStages(contractManage);
 		return resultMessage + "；" + exeStageResult;
 	}
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 34c9be20..371098cb 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
@@ -90,7 +90,10 @@ public class HcsCreditCheckSupport {
 		if (hcsProperties.getRisk().isCheckOnPayment()) {
 			checkRelativeRisk(payment);
 		}
-		// ② 额度校验（超额不拦截，转特批）
+		// ② 额度校验（超额不拦截，转特批）；一期暂不对接默认关，关闭后特批无自动触发
+		if (!hcsProperties.getCredit().isCheckEnabled()) {
+			return;
+		}
 		checkCredit(payment);
 	}
 
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 8fbb1062..dab33eb7 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
@@ -29,6 +29,7 @@ import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
 import org.springblade.core.log.exception.ServiceException;
 import org.springblade.core.tool.utils.StringUtil;
+import org.springblade.hcs.config.HcsProperties;
 import org.springblade.transport.constant.HcsSyncConstant;
 import org.springblade.transport.mapper.PaymentApplicationMapper;
 import org.springblade.transport.pojo.entity.PaymentApplication;
@@ -56,6 +57,7 @@ public class HcsPaymentSyncSupport {
 	private static final List<String> APPROVED_STATUSES = List.of("approved");
 
 	private final PaymentApplicationMapper paymentApplicationMapper;
+	private final HcsProperties hcsProperties;
 	private final HcsSpecPaySyncSupport hcsSpecPaySyncSupport;
 	private final HcsPerfRecordSyncSupport hcsPerfRecordSyncSupport;
 
@@ -67,11 +69,15 @@ public class HcsPaymentSyncSupport {
 	 */
 	public String pushPayment(PaymentApplication payment) {
 		StringBuilder result = new StringBuilder();
-		// ① 结算付款特批：提交时额度超额（hcs_spec_status=need）且未发起时发起 C106-3
+		// ① 结算付款特批：提交时额度超额（hcs_spec_status=need）且未发起时发起 C106-3（C106-1 暂不对接后无自动置 need，仅历史数据/人工场景可达）
 		if (HcsSyncConstant.SPEC_STATUS_NEED.equals(payment.getHcsSpecStatus())) {
 			result.append(hcsSpecPaySyncSupport.pushSpecPay(payment));
 		}
-		// ② 履约记录：审批通过新建 C108-1 / 实际付款推进更新 C108-2
+		// ② 履约记录：审批通过新建 C108-1 / 实际付款推进更新 C108-2（一期暂不对接默认关）
+		if (!hcsProperties.getPerfRecord().isSyncEnabled()) {
+			markSynced(payment, result.toString());
+			return result.toString();
+		}
 		if (result.length() > 0) {
 			result.append("；");
 		}
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 8f490dde..caa2da84 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
@@ -163,6 +163,10 @@ public class HcsProperties {
 
 	@Data
 	public static class ExeStage {
+		/**
+		 * 履约规则同步开关（C103-9 行级同步，一期暂不对接，默认关）
+		 */
+		private boolean syncEnabled = false;
 		/**
 		 * 履约规则金额类型默认值（fdFundType）
 		 */
@@ -187,6 +191,10 @@ public class HcsProperties {
 
 	@Data
 	public static class Credit {
+		/**
+		 * 额度校验开关（C106-1，一期暂不对接，默认关；关闭后特批无自动触发）
+		 */
+		private boolean checkEnabled = false;
 		/**
 		 * 付款提交校验是否要求合同已推送合规（hcs_fd_id 存在）
 		 */
@@ -239,6 +247,10 @@ public class HcsProperties {
 
 	@Data
 	public static class PerfRecord {
+		/**
+		 * 履约记录同步开关（C108-1/2，一期暂不对接，默认关）
+		 */
+		private boolean syncEnabled = false;
 		/**
 		 * 履约记录表单模板ID（fd_xform_id，环境相关值，§9-U9 待合规方提供）
 		 */