diff --git a/src/views/vehicle/customer-archive.vue b/src/views/vehicle/customer-archive.vue
index afea612..5b2718b 100644
--- a/src/views/vehicle/customer-archive.vue
+++ b/src/views/vehicle/customer-archive.vue
@@ -5558,10 +5558,15 @@ export default {
           this.loading = false;
         });
     },
-    // 客商风险名称（C101-1 每日定时刷新落库字段）：黑名单优先，等级转义，未查询返回空展示"-"
+    // 客商风险名称（每日定时刷新落库字段）：内部组织客商默认无风险；黑名单与高风险组合展示；未查询显示"-"
     customerRowRiskName(row) {
-      if (row.hcsBlackStatus === 'yes') return '黑名单';
-      return { 2: '高风险', 1: '中风险', 0: '低风险' }[row.hcsRiskLevel] || '';
+      const isBlack = row.hcsBlackStatus === 'yes';
+      const isHigh = row.hcsRiskLevel === '2';
+      if (isBlack && isHigh) return '高风险、黑名单';
+      if (isHigh) return '高风险';
+      if (isBlack) return '黑名单';
+      if (row.customerKind === 'internal') return '无风险';
+      return { 1: '中风险', 0: '低风险' }[row.hcsRiskLevel] || '';
     },
     // 高风险/黑名单判定（与列表筛选口径一致，命中显示红色标签）
     customerRowRisky(row) {