diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/mapper/PaymentApplicationSettlementMapper.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/mapper/PaymentApplicationSettlementMapper.java
index 78e02855..29d34fa0 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/mapper/PaymentApplicationSettlementMapper.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/mapper/PaymentApplicationSettlementMapper.java
@@ -1,10 +1,21 @@
 package org.springblade.transport.mapper;
 
 import com.baomidou.mybatisplus.core.mapper.BaseMapper;
+import org.apache.ibatis.annotations.Delete;
 import org.apache.ibatis.annotations.Mapper;
+import org.apache.ibatis.annotations.Param;
 import org.springblade.transport.pojo.entity.PaymentApplicationSettlement;
 
 /** 付款申请关联正式结算单 Mapper。 */
 @Mapper
 public interface PaymentApplicationSettlementMapper extends BaseMapper<PaymentApplicationSettlement> {
+
+	/**
+	 * 按付款申请主键物理删除关联记录（表存在不含逻辑删除字段的关系唯一索引，重存前必须物理清理）
+	 *
+	 * @param paymentApplicationId 付款申请主键
+	 * @return 删除行数
+	 */
+	@Delete("DELETE FROM blade_payment_application_settlement WHERE payment_application_id = #{paymentApplicationId}")
+	int deleteByPaymentApplicationId(@Param("paymentApplicationId") Long paymentApplicationId);
 }
diff --git a/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/PaymentApplicationServiceImpl.java b/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/PaymentApplicationServiceImpl.java
index a52fcc28..fffde5e0 100644
--- a/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/PaymentApplicationServiceImpl.java
+++ b/blade-service/blade-transport/src/main/java/org/springblade/transport/service/impl/PaymentApplicationServiceImpl.java
@@ -325,7 +325,7 @@ private final CustomerReceiptAccountMapper receiptAccountMapper;
 		validateProjectAdvanceContract(entity);
 		validateSelectedBill(entity, false);
 		validateQuota(entity);
-		// HCS 提交同步校验（事务内查询类同步，D15/R2-Q3）：C101-1 风险（黑名单阻断）+ C106-1 额度（超额转特批）
+		// HCS 提交同步校验（事务内查询类同步，D15/R2-Q3）：C101-1 风险（收款方外部客商高风险/黑名单须特批附件并标记待特批）+ C106-1 额度（超额转特批）
 		hcsCreditCheckSupport.checkOnSubmit(entity);
 		entity.setApprovalStatus(TransportBusiConstant.REVIEWING);
 		entity.setCurrentNode("财务审核");
@@ -388,6 +388,12 @@ private final CustomerReceiptAccountMapper receiptAccountMapper;
 	public String doSyncKingdee(Long id, KingdeeSyncContext context) {
 		PaymentApplication entity = lockedPayment(id);
 		if (!TransportBusiConstant.APPROVED.equals(entity.getApprovalStatus())) throw new ServiceException("仅审批通过的付款申请允许生成金蝶单据");
+		// 高风险/黑名单客商付款特批门禁：待特批/特批审核中（挂起"特批审核"）禁止推送金蝶，
+		// 特批通过（合规 paymentLegal/result 回调恢复"审批通过"）后放行
+		if (entity.getHcsSpecStatus() != null && List.of(HcsSyncConstant.SPEC_STATUS_NEED, HcsSyncConstant.SPEC_STATUS_PUSHING,
+			HcsSyncConstant.SPEC_STATUS_PROCESSING).contains(entity.getHcsSpecStatus())) {
+			throw new ServiceException("收款方客商为高风险/黑名单，付款特批审核中（" + entity.getCurrentNode() + "），特批完成后方可推送金蝶");
+		}
 		if (KingdeeBfiConstant.KINGDEE_STATUS_SYNCED.equals(entity.getKingdeeStatus())
 			|| KingdeeBfiConstant.KINGDEE_STATUS_PAYING.equals(entity.getKingdeeStatus())
 			|| KingdeeBfiConstant.KINGDEE_STATUS_PAID.equals(entity.getKingdeeStatus())
@@ -1505,8 +1511,8 @@ private final CustomerReceiptAccountMapper receiptAccountMapper;
 
 	private void saveSettlementRelations(PaymentApplication entity, List<FormalSettlement> settlements) {
 		if (settlements.isEmpty()) return;
-		settlementRelationMapper.delete(Wrappers.<PaymentApplicationSettlement>lambdaQuery()
-			.eq(PaymentApplicationSettlement::getPaymentApplicationId, entity.getId()));
+		// 关系唯一索引不含 is_deleted，逻辑删除会残留旧行导致重存冲突，此处必须物理删除
+		settlementRelationMapper.deleteByPaymentApplicationId(entity.getId());
 		BigDecimal totalBase = settlements.stream().map(item -> money(item.getSettlementAmount()).subtract(
 			cumulativeFormalSettlementApplied(item.getId(), entity.getId())).max(BigDecimal.ZERO))
 			.reduce(BigDecimal.ZERO, BigDecimal::add);