diff --git a/src/views/payment/payment-application-form.vue b/src/views/payment/payment-application-form.vue
index 00bfe18..d9bf0a3 100644
--- a/src/views/payment/payment-application-form.vue
+++ b/src/views/payment/payment-application-form.vue
@@ -36,25 +36,20 @@
           <el-col v-if="isSettlementRelatedType" :span="6"
             ><el-form-item label="结算单号" prop="referenceId">
               <div class="payment-form-page__settlement-nos">
-                <el-select
-                  ref="settlementNoSelectRef"
-                  :model-value="referenceSettlementNos"
-                  multiple
-                  collapse-tags
-                  collapse-tags-tooltip
-                  :max-collapse-tags="1"
-                  :disabled="readonly"
-                  placeholder="请输入"
-                  class="payment-form-page__settlement-select"
-                  @visible-change="handleSettlementSelectVisible"
+                <el-tooltip
+                  :content="referenceLabel"
+                  placement="top"
+                  :disabled="!referenceLabel || referenceSettlementCount < 2"
                 >
-                  <el-option
-                    v-for="item in referenceSettlementLinks"
-                    :key="`${item.id || item.settlementNo}`"
-                    :label="item.settlementNo"
-                    :value="item.settlementNo"
+                  <el-input
+                    :model-value="referenceDisplayText"
+                    readonly
+                    :disabled="readonly"
+                    placeholder="请选择结算单号"
+                    class="payment-form-page__settlement-input"
+                    @click="!readonly && openReference()"
                   />
-                </el-select>
+                </el-tooltip>
                 <el-button
                   v-if="!readonly"
                   class="payment-form-page__settlement-select-btn"
@@ -952,6 +947,14 @@ export default {
     referenceSettlementNos() {
       return this.referenceSettlementLinks.map(item => item.settlementNo).filter(Boolean);
     },
+    referenceSettlementCount() {
+      return this.referenceSettlementNos.length;
+    },
+    // 结算单号展示：单张显示单号；多张仅提示数量，明细在下方「结算信息」表，悬停可看全部单号
+    referenceDisplayText() {
+      if (this.referenceSettlementCount > 1) return `已选 ${this.referenceSettlementCount} 张结算单`;
+      return this.referenceLabel;
+    },
     settlementRows() {
       if (this.referenceRows.length) {
         return this.referenceRows.map(item => ({
@@ -2287,13 +2290,6 @@ export default {
       }
       return Promise.all(loaders);
     },
-    handleSettlementSelectVisible(visible) {
-      // 结算单号仅做展示，通过「选择」按钮维护，避免下拉改值
-      if (!visible) return;
-      this.$nextTick(() => {
-        this.$refs.settlementNoSelectRef?.blur?.();
-      });
-    },
     handleReferenceSearch() {
       this.formalPage.current = 1;
       this.prePage.current = 1;
@@ -2741,15 +2737,15 @@ export default {
   width: 100%;
   min-height: 32px;
 }
-.payment-form-page__settlement-select {
+.payment-form-page__settlement-input {
   flex: 1;
   min-width: 0;
 }
-.payment-form-page__settlement-select :deep(.el-select__wrapper) {
-  width: 100%;
+.payment-form-page__settlement-input :deep(.el-input__inner) {
+  cursor: pointer;
 }
-.payment-form-page__settlement-select :deep(.el-tag__close) {
-  display: none;
+.payment-form-page__settlement-input.is-disabled :deep(.el-input__inner) {
+  cursor: not-allowed;
 }
 .payment-form-page__settlement-select-btn {
   flex-shrink: 0;