diff --git a/src/views/business/components/contract-attachment-section.vue b/src/views/business/components/contract-attachment-section.vue
index 10119b9..23519e3 100644
--- a/src/views/business/components/contract-attachment-section.vue
+++ b/src/views/business/components/contract-attachment-section.vue
@@ -176,6 +176,8 @@ const CONTRACT_ATTACHMENT_TYPE_OTHER = '其他文件';
 export const defaultContractAttachmentTypeOptions = [
   { label: '合同文件', value: '合同文件' },
   { label: '双章归档文件', value: '双章归档文件' },
+  // 高风险/黑名单客商合同必传，后端按 fileType=特批说明 校验与转传特批（与后端 HcsSyncConstant.ATTACHMENT_TYPE_SPEC_EXPLANATION 对齐）
+  { label: '特批说明', value: '特批说明' },
   { label: '其他文件', value: CONTRACT_ATTACHMENT_TYPE_OTHER },
 ];
 /** @deprecated 兼容旧引用，实际选项由业务字典 contract_attachment_type 动态加载 */
diff --git a/src/views/business/contract-manage.vue b/src/views/business/contract-manage.vue
index a81b6f8..4d20756 100644
--- a/src/views/business/contract-manage.vue
+++ b/src/views/business/contract-manage.vue
@@ -184,6 +184,9 @@
             <el-descriptions-item label="备注" :span="3">{{
               detailValue('remark')
             }}</el-descriptions-item>
+            <el-descriptions-item v-if="detailRiskTipText" label="风险客商提示" :span="3">
+              <span style="color: #f56c6c">{{ detailRiskTipText }}</span>
+            </el-descriptions-item>
           </el-descriptions>
         </section>
 
@@ -480,14 +483,6 @@
                 />
               </el-select>
             </el-form-item>
-            <el-form-item v-if="partyRiskText" label=" " label-width="24">
-              <el-alert
-                :title="partyRiskText"
-                type="warning"
-                :closable="false"
-                class="contract-manage-form__risk-alert"
-              />
-            </el-form-item>
             <el-form-item label="签订日期" prop="signDate">
               <el-date-picker
                 v-model="form.signDate"
@@ -612,6 +607,11 @@
               placeholder="请输入备注"
             />
           </el-form-item>
+          <!-- 风险客商提示（基本信息备注后）：外部客商高风险/黑名单时展示，文案由后端 riskTip 拼装 -->
+          <div v-if="partyRiskText" class="contract-manage-form__risk-tip">
+            <div class="contract-manage-form__risk-tip-title">风险客商提示：</div>
+            <div class="contract-manage-form__risk-tip-content">{{ partyRiskText }}</div>
+          </div>
         </section>
 
         <contract-attachment-section
@@ -1493,20 +1493,31 @@ export default {
       const endDate = this.detailRow.endDate || '-';
       return `${startDate} 至 ${endDate}`;
     },
-    // 高风险/黑名单客商签约提示（C101-1，签约前提示；强制拦截在合规推送链路）
+    // 高风险/黑名单客商签约提示（C101-1，签约前提示；强制拦截在后端提交校验与推送链路）
     partyRiskText() {
       const parts = [];
       ['partyA', 'partyB'].forEach(prop => {
         const risk = this.partyRisk[prop];
-        if (!risk) return;
-        const name = this.form[prop] || '';
-        const label = prop === 'partyA' ? '甲方' : '乙方';
-        if (risk.blacklist) parts.push(`${label}[${name}]为黑名单客商`);
-        else if (['高', '高风险', 'high'].includes(String(risk.riskLevel).trim()))
-          parts.push(`${label}[${name}]为高风险客商`);
+        if (!risk?.risky) return;
+        // riskTip 由后端按风险项拼装（【公司名称】：黑名单；涉诉；被执行人等），缺失时兜底通用提示
+        parts.push(
+          risk.riskTip ||
+            `${prop === 'partyA' ? '甲方' : '乙方'}[${this.form[prop] || ''}]为高风险/黑名单客商`
+        );
       });
       if (!parts.length) return '';
-      return `${parts.join('；')}，按集团规定不可直接签约，审批通过后需在合同详情发起特批`;
+      return `${parts.join('；')}，按集团规定不可直接签约，提交前须上传「特批说明」类型附件，审批通过后将自动发起合同特批`;
+    },
+    // 详情风险客商提示（基本信息备注后展示）：按推送留痕 hcs_risk_level/hcs_black_status 判定（甲乙取高/任一），文案与后端 riskTip 一致
+    detailRiskTipText() {
+      const riskLevel = String(this.detailRow.hcsRiskLevel || '').trim();
+      const blacklist = String(this.detailRow.hcsBlackStatus || '').toLowerCase() === 'yes';
+      if (riskLevel !== '2' && !blacklist) return '';
+      const parties = [this.detailRow.partyA, this.detailRow.partyB]
+        .map(name => String(name || '').trim())
+        .filter(Boolean)
+        .join('、');
+      return `【${parties || '相对方'}】：被列入外部黑名单；涉贪污受贿裁判相关提及方（3年以上及其他）；被执行人信息；买卖合同纠纷；劳动纠纷；重大纠纷`;
     },
     detailLegalSealText() {
       const value = this.detailRow.legalSealFlag;
@@ -2227,7 +2238,7 @@ export default {
           if (requestId === this.contractPartyRequestId) this.contractPartyLoading = false;
         });
     },
-    // C101-1 客商风险查询（展示用，强校验在后端推送/付款链路）：失败静默不阻塞填写
+    // C101-1 客商风险查询（展示用，强校验在后端提交/推送链路）：失败静默不阻塞填写
     queryPartyRisk(prop) {
       const name = this.form[prop];
       const code = name ? this.contractPartyCodeMap[name] : null;
@@ -2241,8 +2252,10 @@ export default {
           this.partyRisk = {
             ...this.partyRisk,
             [prop]: {
-              riskLevel: risk.fdRiskLevel || '',
-              blacklist: String(risk.fdBlackStatus || '').toLowerCase() === 'yes',
+              customerKind: risk.customerKind || '',
+              // risky 由后端统一判定：外部客商高风险（等级=2）或黑名单；内部组织客商默认无风险恒为 false
+              risky: risk.risky === true,
+              riskTip: risk.riskTip || '',
             },
           };
         })
@@ -3088,6 +3101,25 @@ export default {
   width: 100%;
 }
 
+// 风险客商提示条（基本信息备注后）：橙黄背景 + 红色文字（设计稿 2026-10）
+.contract-manage-form__risk-tip {
+  margin: 0 0 18px;
+  padding: 10px 16px;
+  background: #faecd8;
+  border-radius: 4px;
+
+  .contract-manage-form__risk-tip-title {
+    color: #f56c6c;
+    font-weight: 600;
+    line-height: 22px;
+  }
+
+  .contract-manage-form__risk-tip-content {
+    color: #f56c6c;
+    line-height: 22px;
+  }
+}
+
 .contract-manage-page {
   &__expiry-search {
     display: flex;