diff --git a/src/views/payment/payment-application-form.vue b/src/views/payment/payment-application-form.vue
index 8dd43dc..96e737a 100644
--- a/src/views/payment/payment-application-form.vue
+++ b/src/views/payment/payment-application-form.vue
@@ -36,20 +36,25 @@
           <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-tooltip
-                  :content="referenceLabel"
-                  placement="top"
-                  :disabled="!referenceLabel || referenceSettlementCount < 2"
+                <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-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-option
+                    v-for="item in referenceSettlementLinks"
+                    :key="`${item.id || item.settlementNo}`"
+                    :label="item.settlementNo"
+                    :value="item.settlementNo"
                   />
-                </el-tooltip>
+                </el-select>
                 <el-button
                   v-if="!readonly"
                   class="payment-form-page__settlement-select-btn"
@@ -930,14 +935,6 @@ 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 ${this.referenceSettlementCount} 张结算单`;
-      return this.referenceLabel;
-    },
     settlementRows() {
       if (this.referenceRows.length) {
         return this.referenceRows.map(item => ({
@@ -1061,7 +1058,7 @@ export default {
         !this.form.preSettlementId &&
         !this.form.preSettlementIds?.length
       ) {
-        callback(new Error('请选择结算单'));
+        callback(new Error('请输入'));
         return;
       }
       callback();
@@ -2250,6 +2247,13 @@ export default {
       }
       return Promise.all(loaders);
     },
+    handleSettlementSelectVisible(visible) {
+      // 结算单号仅做展示，通过「选择」按钮维护，避免下拉改值
+      if (!visible) return;
+      this.$nextTick(() => {
+        this.$refs.settlementNoSelectRef?.blur?.();
+      });
+    },
     handleReferenceSearch() {
       this.formalPage.current = 1;
       this.prePage.current = 1;
@@ -2697,15 +2701,15 @@ export default {
   width: 100%;
   min-height: 32px;
 }
-.payment-form-page__settlement-input {
+.payment-form-page__settlement-select {
   flex: 1;
   min-width: 0;
 }
-.payment-form-page__settlement-input :deep(.el-input__inner) {
-  cursor: pointer;
+.payment-form-page__settlement-select :deep(.el-select__wrapper) {
+  width: 100%;
 }
-.payment-form-page__settlement-input.is-disabled :deep(.el-input__inner) {
-  cursor: not-allowed;
+.payment-form-page__settlement-select :deep(.el-tag__close) {
+  display: none;
 }
 .payment-form-page__settlement-select-btn {
   flex-shrink: 0;