diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/impl/CustomerAccountApiImpl.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/impl/CustomerAccountApiImpl.java
index 286f5cd2..eb18ec74 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/impl/CustomerAccountApiImpl.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/impl/CustomerAccountApiImpl.java
@@ -576,15 +576,19 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
     private CustomerAccount getOrInitCnyAccount(Long customerId, String username)
     {
         CustomerAccount account = customerMoneyMapper.selectAccountForUpdate(customerId, BASE_CURRENCY);
-        if (account == null)
+        if (account != null)
+        {
+            return account;
+        }
+        BmsCustomer customer = bmsCustomerMapper.selectRawCreditByCustomerId(customerId);
+        if (customer == null)
+        {
+            throw new ServiceException("客户不存在");
+        }
+        BigDecimal initCredit = nz(customer.getCreditEd());
+        BigDecimal initTemp = nz(customer.getTempEd());
+        try
         {
-            BmsCustomer customer = bmsCustomerMapper.selectRawCreditByCustomerId(customerId);
-            if (customer == null)
-            {
-                throw new ServiceException("客户不存在");
-            }
-            BigDecimal initCredit = nz(customer.getCreditEd());
-            BigDecimal initTemp = nz(customer.getTempEd());
             account = createCnyAccount(customerId, initCredit, initTemp, username);
             writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_CREDIT,
                     initCredit, null, null, username, "首次创建CNY账户，从客户档案同步初始额度");
@@ -593,8 +597,52 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
                 writeInitFlow(account, CustomerCreditFlow.CREDIT_TYPE_TEMP,
                         initTemp, null, null, username, "首次创建CNY账户，从客户档案同步临时额度");
             }
+            return account;
         }
-        return account;
+        catch (RuntimeException e)
+        {
+            // Concurrent first-create: peer may have inserted; re-lock existing row.
+            if (isAccountInitRace(e))
+            {
+                account = customerMoneyMapper.selectAccountForUpdate(customerId, BASE_CURRENCY);
+                if (account != null)
+                {
+                    log.warn("CNY account created by peer, reuse customerId={}", customerId);
+                    return account;
+                }
+            }
+            throw e;
+        }
+    }
+
+    /** Deadlock / duplicate key while inserting customer_account. */
+    private static boolean isAccountInitRace(Throwable e)
+    {
+        Throwable t = e;
+        while (t != null)
+        {
+            String name = t.getClass().getName();
+            if (name.indexOf("DeadlockLoser") >= 0
+                || name.indexOf("DuplicateKey") >= 0
+                || name.indexOf("MySQLTransactionRollback") >= 0
+                || name.indexOf("DataIntegrityViolation") >= 0)
+            {
+                return true;
+            }
+            String msg = t.getMessage();
+            if (msg != null)
+            {
+                String m = msg.toLowerCase();
+                if (m.indexOf("deadlock") >= 0
+                    || m.indexOf("duplicate entry") >= 0
+                    || m.indexOf("try restarting transaction") >= 0)
+                {
+                    return true;
+                }
+            }
+            t = t.getCause();
+        }
+        return false;
     }
 
     /** 创建CNY账户（余额0，已用0） */
diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/price/service/impl/PrcBillingTaskServiceImpl.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/price/service/impl/PrcBillingTaskServiceImpl.java
index 6387f184..dbfd1a5e 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/price/service/impl/PrcBillingTaskServiceImpl.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/price/service/impl/PrcBillingTaskServiceImpl.java
@@ -96,6 +96,9 @@ public class PrcBillingTaskServiceImpl implements IPrcBillingTaskService
         return task;
     }
 
+    private static final int BILL_DB_RETRY_MAX = 3;
+    private static final long BILL_DB_RETRY_BASE_MS = 80L;
+
     @Override
     public void processTask(Long taskId)
     {
@@ -167,7 +170,7 @@ public class PrcBillingTaskServiceImpl implements IPrcBillingTaskService
                 log.info("billing task REFUND path uses bill upsert taskId={}", taskId);
             }
 
-            TmsPriceQuoteResult result = prcOrderBillService.bill(billReq);
+            TmsPriceQuoteResult result = billWithDbRetry(taskId, billReq);
             writeback(task, BillTaskSuccessStatus.SUCCESS, result == null ? null : result.getBillId(),
                 null);
         }
@@ -178,6 +181,74 @@ public class PrcBillingTaskServiceImpl implements IPrcBillingTaskService
         }
     }
 
+    /**
+     * Retry bill() on MySQL deadlock / lock wait (common when many tasks share one customer_account).
+     */
+    private TmsPriceQuoteResult billWithDbRetry(Long taskId, TmsPriceBillRequest billReq)
+    {
+        RuntimeException last = null;
+        for (int attempt = 1; attempt <= BILL_DB_RETRY_MAX; attempt++)
+        {
+            try
+            {
+                return prcOrderBillService.bill(billReq);
+            }
+            catch (RuntimeException e)
+            {
+                last = e;
+                if (attempt < BILL_DB_RETRY_MAX && isRetryableDbConflict(e))
+                {
+                    long sleepMs = BILL_DB_RETRY_BASE_MS * attempt
+                        + (long) (Math.random() * BILL_DB_RETRY_BASE_MS);
+                    log.warn("billing task db conflict, retry taskId={} attempt={}/{} sleepMs={} msg={}",
+                        taskId, attempt, BILL_DB_RETRY_MAX, sleepMs, cut(e.getMessage(), 200));
+                    try
+                    {
+                        Thread.sleep(sleepMs);
+                    }
+                    catch (InterruptedException ie)
+                    {
+                        Thread.currentThread().interrupt();
+                        throw e;
+                    }
+                    continue;
+                }
+                throw e;
+            }
+        }
+        throw last != null ? last : new ServiceException("billing retry exhausted");
+    }
+
+    /** Deadlock / lock wait / duplicate account insert — safe to retry whole bill txn. */
+    static boolean isRetryableDbConflict(Throwable e)
+    {
+        Throwable t = e;
+        while (t != null)
+        {
+            String name = t.getClass().getName();
+            if (name.indexOf("DeadlockLoser") >= 0
+                || name.indexOf("CannotAcquireLock") >= 0
+                || name.indexOf("MySQLTransactionRollback") >= 0)
+            {
+                return true;
+            }
+            String msg = t.getMessage();
+            if (msg != null)
+            {
+                String m = msg.toLowerCase();
+                if (m.indexOf("deadlock") >= 0
+                    || m.indexOf("try restarting transaction") >= 0
+                    || m.indexOf("lock wait timeout") >= 0
+                    || m.indexOf("duplicate entry") >= 0)
+                {
+                    return true;
+                }
+            }
+            t = t.getCause();
+        }
+        return false;
+    }
+
     @Override
     public PrcBillingTask getById(Long taskId)
     {