diff --git a/bms-back/ruoyi-admin/src/main/resources/i18n/messages.properties b/bms-back/ruoyi-admin/src/main/resources/i18n/messages.properties
index 7e4b34e3..7a70d8cc 100644
--- a/bms-back/ruoyi-admin/src/main/resources/i18n/messages.properties
+++ b/bms-back/ruoyi-admin/src/main/resources/i18n/messages.properties
@@ -143,6 +143,7 @@ price.quote.weightInvalid=重量必须大于0
 price.quote.bizDateInvalid=业务日期格式必须为yyyy-MM-dd
 price.quote.fixedPackageNoDetails=套餐固定价格没有明细，使用产品默认价格
 price.quote.noCustomerPackageOverride=没有客户套餐覆盖，使用产品默认运费/挂号费
+price.quote.noCustomerPackage=客户未绑定套餐，无法试算
 price.quote.quoteIdRequired=报价ID为空
 price.quote.hitCustomerFixedPackageDetail=命中客户套餐固定价格明细
 
@@ -153,6 +154,7 @@ price.bill.notFound=计费记录不存在
 price.bill.customerRequired=订单同步缺少有效客户
 price.bill.alreadyInArBill=订单{0}已生成应收账单，作废后方可重新计费
 price.bill.bizDateRequired=业务日期为空
+price.bill.noCustomerPackage=客户未绑定套餐，无法计费
 price.bill.fee.scIdRequired=附加费不能为空
 price.bill.fee.surchargeNotFound=附加费配置不存在或已停用
 price.bill.fee.notFound=费用明细不存在
diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/price/service/impl/TmsPriceQuoteServiceImpl.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/price/service/impl/TmsPriceQuoteServiceImpl.java
index 39772436..7659bb3a 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/price/service/impl/TmsPriceQuoteServiceImpl.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/price/service/impl/TmsPriceQuoteServiceImpl.java
@@ -56,8 +56,9 @@ import com.ruoyi.price.search.IBillSearchStore;
 import com.ruoyi.price.service.ITmsPriceQuoteService;
 
 /**
- * Shared quote/bill calc: bound set + active version by bizDate, else product default.
- * Quote persists prc_quote; bill path calls calculate() then persists prc_order_bill.
+ * Shared quote/bill calc: bound set + active version by bizDate.
+ * No customer package bind: quote and bill both fail hard (no PRODUCT_DEFAULT).
+ * Bill path: no persist; billing task marked FAILED (abnormal order).
  *
  * @author ruoyi
  */
@@ -307,6 +308,16 @@ public class TmsPriceQuoteServiceImpl implements ITmsPriceQuoteService
             }
         }
 
+        // No customer package bind: do not use PRODUCT_DEFAULT (quote and bill).
+        // Bill: no persist; billing task catches and writes success_status=FAILED.
+        if (binds == null || binds.isEmpty())
+        {
+            String msgKey = request instanceof TmsPriceBillRequest
+                ? "price.bill.noCustomerPackage"
+                : "price.quote.noCustomerPackage";
+            throw new ServiceException(MessageUtils.message(msgKey));
+        }
+
         TmsPriceQuoteResult fallback = buildDefault(request.getCustomerId(), base, productCode, productName, weight,
             MessageUtils.message("price.quote.noCustomerPackageOverride"));
         stampRequestMeta(request, fallback);
diff --git a/bms-front/src/views/price/billing/quote.vue b/bms-front/src/views/price/billing/quote.vue
index 20510ace..9f582d05 100644
--- a/bms-front/src/views/price/billing/quote.vue
+++ b/bms-front/src/views/price/billing/quote.vue
@@ -7,7 +7,7 @@
           <el-form ref="formRef" :model="form" :rules="rules" label-width="120px">
             <el-form-item label="客户" prop="customerCode">
               <customer-select v-model="form.customerCode" value-key="customerCode" placeholder="请选择客户" />
-              <div class="form-hint">与套餐绑定客户一致；无套餐时走产品默认价</div>
+              <div class="form-hint">与套餐绑定客户一致；未绑定套餐时报错</div>
             </el-form-item>
             <el-form-item label="产品" prop="productCode">
               <el-select