diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/FormalSettlementServiceImpl.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/FormalSettlementServiceImpl.java
index cf2759e9..38c417e3 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/FormalSettlementServiceImpl.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/FormalSettlementServiceImpl.java
@@ -1229,17 +1229,14 @@ public class FormalSettlementServiceImpl extends BaseServiceImpl<FormalSettlemen
 		FormalSettlement settlement = existing(request.getFormalSettlementId());
 		List<FormalSettlementSaveRequest.Invoice> invoices = request.getInvoices();
 		Set<String> invoiceNumbers = new LinkedHashSet<>();
-		BigDecimal matchedTotal = BigDecimal.ZERO;
 		for (FormalSettlementSaveRequest.Invoice item : invoices) {
 			String invoiceNo = item == null ? "" : requiredText(item.getInvoiceNo(), "发票号");
 			if (!invoiceNumbers.add(invoiceNo)) throw new ServiceException("发票号" + invoiceNo + "重复");
-			matchedTotal = matchedTotal.add(money(item.getMatchedAmount()));
 		}
 		// 认领闸门：确认前按票号重查金蝶复核可用性，选中到确认之间票被认领/使用/红冲在此拦截
 		invoiceReceiptService.assertInvoicesClaimable(invoiceNumbers);
-		if (matchedTotal.compareTo(money(settlement.getSettlementAmount())) > 0) {
-			throw new ServiceException("发票匹配结算单金额合计不能超过结算金额");
-		}
+		// 先票后款：认领金额=发票全额，发票合计可超过结算金额（发票金额与结算金额本就是两个口径），
+		// 不再校验"匹配合计不能超过结算金额"；收票状态以是否覆盖结算金额判定（invoiceStatus）
 		List<FormalSettlementInvoice> existingInvoices = invoiceMapper.selectList(
 			Wrappers.<FormalSettlementInvoice>lambdaQuery().eq(FormalSettlementInvoice::getFormalSettlementId, settlement.getId()));
 		Set<String> existingNumbers = existingInvoices.stream().map(FormalSettlementInvoice::getInvoiceNo)
@@ -1749,9 +1746,8 @@ public class FormalSettlementServiceImpl extends BaseServiceImpl<FormalSettlemen
 			}
 			matchedTotal = matchedTotal.add(matchedAmount);
 		}
-		if (matchedTotal.compareTo(money(settlement.getSettlementAmount())) > 0) {
-			throw new ServiceException("发票匹配结算单金额合计不能超过结算金额");
-		}
+		// 先票后款：认领金额=发票全额，发票合计可超过结算金额（发票金额与结算金额本就是两个口径），
+		// 不再校验"匹配合计不能超过结算金额"；收票状态以是否覆盖结算金额判定（invoiceStatus）
 		invoiceMapper.delete(Wrappers.<FormalSettlementInvoice>lambdaQuery()
 			.eq(FormalSettlementInvoice::getFormalSettlementId, settlement.getId()));
 		int lineNo = 1;
@@ -2316,7 +2312,8 @@ public class FormalSettlementServiceImpl extends BaseServiceImpl<FormalSettlemen
 	private String invoiceStatus(BigDecimal invoiceAmount, BigDecimal settlementAmount) {
 		BigDecimal matchedAmount = money(invoiceAmount);
 		if (matchedAmount.compareTo(BigDecimal.ZERO) <= 0) return "unreceived";
-		return matchedAmount.compareTo(money(settlementAmount)) == 0 ? "completed" : "partial";
+		// 先票后款全额认领：匹配金额=发票全额，可超过结算金额，覆盖即视为已完成收票
+		return matchedAmount.compareTo(money(settlementAmount)) >= 0 ? "completed" : "partial";
 	}
 
 	private record PaymentSummary(BigDecimal appliedAmount, BigDecimal paidAmount) {
diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/InvoiceReceiptServiceImpl.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/InvoiceReceiptServiceImpl.java
index ff3b5b79..894f4c64 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/InvoiceReceiptServiceImpl.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/InvoiceReceiptServiceImpl.java
@@ -2119,8 +2119,9 @@ public class InvoiceReceiptServiceImpl extends BaseServiceImpl<InvoiceReceiptMap
 		FormalSettlement settlement = formalSettlementMapper.selectById(settlementId);
 		if (settlement == null) return;
 		BigDecimal invoiceAmount = receivedAmount(settlementId, null);
+		// 先票后款全额认领：匹配金额=发票全额，可超过结算金额，覆盖即视为已完成收票
 		String invoiceStatus = invoiceAmount.compareTo(BigDecimal.ZERO) <= 0 ? "unreceived"
-			: invoiceAmount.compareTo(money(settlement.getSettlementAmount())) == 0 ? "completed" : "partial";
+			: invoiceAmount.compareTo(money(settlement.getSettlementAmount())) >= 0 ? "completed" : "partial";
 		settlement.setInvoiceAmount(invoiceAmount);
 		settlement.setInvoiceStatus(invoiceStatus);
 		formalSettlementMapper.updateById(settlement);