diff --git a/src/views/payment/payment-application-form.vue b/src/views/payment/payment-application-form.vue
index 6f00473..e19a1a3 100644
--- a/src/views/payment/payment-application-form.vue
+++ b/src/views/payment/payment-application-form.vue
@@ -221,6 +221,11 @@
                 show-word-limit /></el-form-item
           ></el-col>
         </el-row>
+        <!-- 风险客商提示（基本信息备注后，同合同新增页）：收款方外部客商高风险/黑名单时展示，文案由后端 riskTip 拼装 -->
+        <div v-if="payeeRiskText" class="payment-form-page__risk-tip">
+          <div class="payment-form-page__risk-tip-title">风险客商提示：</div>
+          <div class="payment-form-page__risk-tip-content">{{ payeeRiskText }}</div>
+        </div>
       </section-card>
       <section-card v-if="isSettlementRelatedType" title="结算信息">
         <el-table :data="settlementRows" border
@@ -664,6 +669,7 @@ import * as billLedgerApi from '@/api/payment/billLedger';
 import { getDictionary } from '@/api/system/dictbiz';
 import { getList as getProjectList } from '@/api/business/project-apply';
 import { getDetail as getContractDetail } from '@/api/business/contract-manage';
+import { getRisk as getCustomerRisk } from '@/api/business/hcs';
 import * as formalApi from '@/api/settlement/formalSettlement';
 import * as preApi from '@/api/settlement/preSettlement';
 import {
@@ -811,6 +817,11 @@ export default {
       contractPaymentRatioLimit: null,
       contractPaymentRatioExceeded: false,
       payeeCustomerLevel: '',
+      // 收款方 C101-1 风险查询留档：risky=高风险/黑名单，tip=后端拼装提示文案
+      payeeRisky: false,
+      payeeRiskTip: '',
+      payeeRiskLevel: '',
+      payeeBlackStatus: '',
       attachmentRuleLoading: false,
       attachmentImagePreviewVisible: false,
       attachmentImagePreviewUrls: [],
@@ -967,11 +978,22 @@ export default {
       ];
     },
     highRiskPayee() {
+      // 收款方 C101-1 高风险/黑名单，或客商等级 D/E/F（本地评级口径），命中须上传特批附件
+      if (this.payeeRisky) return true;
       const level = String(this.payeeCustomerLevel || '')
         .trim()
         .toUpperCase();
       return ['D', 'D级', 'E', 'E级', 'F', 'F级'].includes(level) || level.includes('高风险');
     },
+    // 高风险/黑名单收款方提示（C101-1，同合同新增页风险客商提示口径；强制拦截在后端提交校验与金蝶推送门禁）
+    payeeRiskText() {
+      if (!this.payeeRisky) return '';
+      const levelMap = { 0: '低风险', 1: '中风险', 2: '高风险' };
+      const level = levelMap[this.payeeRiskLevel] || '未知';
+      const blacklist = String(this.payeeBlackStatus || '').trim().toLowerCase() === 'yes' ? '是' : '否';
+      const tip = this.payeeRiskTip || `收款方[${this.form.payeeName || ''}]为高风险/黑名单客商`;
+      return `风险等级：${level}｜黑名单：${blacklist}。${tip}，按集团规定不可直接付款，提交前须上传「特批附件」类型附件，审批通过后将自动发起付款特批`;
+    },
     requiredAttachmentMaterials() {
       if (this.form.paymentType === 'project_advance') {
         return [ATTACHMENT_MATERIALS.contract];
@@ -1952,6 +1974,10 @@ export default {
       const preserveCurrentValue = autoSelectDefault === false;
       this.receiptAccountOptions = [];
       this.payeeCustomerLevel = '';
+      this.payeeRisky = false;
+      this.payeeRiskTip = '';
+      this.payeeRiskLevel = '';
+      this.payeeBlackStatus = '';
       if (!partyBName) {
         if (!preserveCurrentValue) this.clearReceiptAccount();
         return;
@@ -1983,6 +2009,19 @@ export default {
         }
         const detail = this.unwrapData(await getCustomerArchiveDetail(customer.id));
         this.payeeCustomerLevel = detail.customerLevel || '';
+        // 收款方实时查 C101-1 客商风险（后端对内部组织客商默认返回无风险）：高风险/黑名单在
+        // 基本信息"风险客商提示"条常驻展示并要求特批附件；查询失败不阻断填写，提交时后端强校验兜底
+        if (detail.customerCode) {
+          try {
+            const risk = this.unwrapData(await getCustomerRisk(detail.customerCode)) || {};
+            this.payeeRisky = Boolean(risk.risky);
+            this.payeeRiskTip = risk.riskTip || '';
+            this.payeeRiskLevel = risk.fdRiskLevel || '';
+            this.payeeBlackStatus = risk.fdBlackStatus || '';
+          } catch (error) {
+            // 忽略风险查询异常，提交时后端 C101-1 强校验兜底
+          }
+        }
         this.receiptAccountOptions = (detail.receiptAccounts || [])
           .filter(item => item.accountName || item.accountHolderName || item.bankAccount)
           .map(item => ({
@@ -2672,6 +2711,15 @@ export default {
       // 提交前静默保存，避免同时弹出「保存成功」与材料缺失 toast
       const saved = await this.saveDraft({ showSuccess: false });
       if (!saved) return;
+      // 高风险/黑名单收款方必须上传特批附件（与后端提交强校验同口径）
+      if (
+        this.missingAttachmentMaterials.some(
+          item => item.key === ATTACHMENT_MATERIALS.specialApproval.key
+        )
+      ) {
+        this.$message.warning('收款方为高风险/黑名单客商，必须上传「特批附件」类型附件后再提交审批');
+        return;
+      }
       const previousApprovalStatus = this.form.approvalStatus || '';
       await api.submit({ id: this.form.id });
       await submitMkApprovalFlow({
@@ -2700,6 +2748,26 @@ export default {
 .payment-form-page__form {
   padding-bottom: 72px;
 }
+
+// 风险客商提示条（基本信息备注后，同合同新增页）：橙黄背景 + 红色文字
+.payment-form-page__risk-tip {
+  margin: 0 0 18px;
+  padding: 10px 16px;
+  background: #faecd8;
+  border-radius: 4px;
+
+  .payment-form-page__risk-tip-title {
+    color: #f56c6c;
+    font-weight: 600;
+    line-height: 22px;
+  }
+
+  .payment-form-page__risk-tip-content {
+    color: #f56c6c;
+    line-height: 22px;
+  }
+}
+
 .payment-form-page__settlement-nos {
   display: flex;
   align-items: center;