diff --git a/src/api/business/hcs.js b/src/api/business/hcs.js
index 47012a2..80ab649 100644
--- a/src/api/business/hcs.js
+++ b/src/api/business/hcs.js
@@ -32,11 +32,11 @@ export const refreshMasterData = () =>
     timeout: 60000,
   });
 
-export const getRisk = customerCode =>
+export const getRisk = (customerCode, creditCode) =>
   request({
     url: `${baseUrl}/risk`,
     method: 'get',
-    params: { customerCode },
+    params: { customerCode, creditCode },
     timeout: 30000,
   });
 
diff --git a/src/views/vehicle/customer-archive.vue b/src/views/vehicle/customer-archive.vue
index 35e5bec..778c426 100644
--- a/src/views/vehicle/customer-archive.vue
+++ b/src/views/vehicle/customer-archive.vue
@@ -372,7 +372,7 @@
                   <template #content>
                     <div>{{ archiveNameRiskTip || '该客商为高风险/黑名单客商' }}</div>
                   </template>
-                  <div class="archive-name-risk">高风险/黑名单客商</div>
+                  <div class="archive-name-risk">{{ archiveNameRiskLabel }}</div>
                 </el-tooltip>
               </el-form-item>
             </el-col>
@@ -1597,7 +1597,7 @@ import {
   queryKingdeeCustomer,
   syncKingdee,
 } from '@/api/vehicle/customer-archive';
-import { getRiskByName } from '@/api/business/hcs';
+import { getRisk, getRiskByName } from '@/api/business/hcs';
 import { isKingdeeBlack, isRiskyTag, resolveRiskTagName } from '@/utils/risk-display';
 import {
   getList as getCreditScoreQuantificationList,
@@ -1702,6 +1702,7 @@ export default {
       data: [],
       archiveNameRisky: false,
       archiveNameRiskTip: '',
+      archiveNameRiskLabel: '',
       page: {
         pageSize: 10,
         pageSizes: [10, 20, 50, 100],
@@ -5574,13 +5575,24 @@ export default {
     checkArchiveNameRisk() {
       this.archiveNameRisky = false;
       this.archiveNameRiskTip = '';
+      this.archiveNameRiskLabel = '';
       const customerName = String(this.archiveForm.fullName || '').trim();
       if (!customerName) return;
-      getRiskByName(customerName)
+      // 新增客商档案本地反查不到编号：金蝶带出后表单已有客商编号，优先按编号查 C101-1，
+      // 并传信用代码供金蝶黑名单（A801-5）兜底；无编号时按名称反查档案
+      const customerCode = String(this.archiveForm.customerCode || '').trim();
+      const request = customerCode
+        ? getRisk(customerCode, String(this.archiveForm.unifiedCreditCode || '').trim())
+        : getRiskByName(customerName);
+      request
         .then(res => {
           const risk = (res.data && res.data.data) || {};
           this.archiveNameRisky = risk.risky === true;
           this.archiveNameRiskTip = risk.riskTip || '';
+          // 红字与列表标签同口径（risk-display）：等级按合同系统返回值翻译，黑名单按金蝶命中标记独立展示，组合不分家
+          this.archiveNameRiskLabel = this.archiveNameRisky
+            ? (resolveRiskTagName(risk.fdRiskLevel, risk.kingdeeBlackHit === true) || '高风险/黑名单') + '客商'
+            : '';
         })
         .catch(() => {
           // 忽略风险查询异常，表单正常填写