diff --git a/bms-back/ruoyi-admin/src/main/java/com/ruoyi/web/controller/ar/ArBankAccountController.java b/bms-back/ruoyi-admin/src/main/java/com/ruoyi/web/controller/ar/ArBankAccountController.java
new file mode 100644
index 00000000..19bada9c
--- /dev/null
+++ b/bms-back/ruoyi-admin/src/main/java/com/ruoyi/web/controller/ar/ArBankAccountController.java
@@ -0,0 +1,33 @@
+package com.ruoyi.web.controller.ar;
+
+import java.util.List;
+
+import org.springframework.beans.factory.annotation.Autowired;
+import org.springframework.web.bind.annotation.GetMapping;
+import org.springframework.web.bind.annotation.RequestMapping;
+import org.springframework.web.bind.annotation.RequestParam;
+import org.springframework.web.bind.annotation.RestController;
+import com.ruoyi.ar.domain.ArBankAccount;
+import com.ruoyi.ar.mapper.ArBankAccountMapper;
+import com.ruoyi.common.core.controller.BaseController;
+import com.ruoyi.common.core.domain.AjaxResult;
+
+/**
+ * 公司收款银行账户（下拉选项，供登记收款等场景选择）。
+ */
+@RestController
+@RequestMapping("/ar/bank-account")
+public class ArBankAccountController extends BaseController {
+
+    @Autowired
+    private ArBankAccountMapper arBankAccountMapper;
+
+    /**
+     * 启用账户列表；可按币种过滤，默认账户优先。
+     */
+    @GetMapping("/options")
+    public AjaxResult options(@RequestParam(value = "currency", required = false) String currency) {
+        List<ArBankAccount> list = arBankAccountMapper.selectEnabledList(currency);
+        return AjaxResult.success(list);
+    }
+}
diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/mapper/ArBankAccountMapper.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/mapper/ArBankAccountMapper.java
index 8a221f13..e0805f0f 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/mapper/ArBankAccountMapper.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/mapper/ArBankAccountMapper.java
@@ -1,8 +1,16 @@
 package com.ruoyi.ar.mapper;
 
+import java.util.List;
+
 import org.apache.ibatis.annotations.Param;
 import com.ruoyi.ar.domain.ArBankAccount;
 
 public interface ArBankAccountMapper {
     ArBankAccount selectDefaultByCurrency(@Param("currency") String currency);
+
+    /** 按主键查启用账户 */
+    ArBankAccount selectEnabledById(@Param("bankAccountId") Long bankAccountId);
+
+    /** 启用账户下拉（currency 为空时查全部），默认账户优先 */
+    List<ArBankAccount> selectEnabledList(@Param("currency") String currency);
 }
diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customerinfo/domain/BmsCustomerCompany.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customerinfo/domain/BmsCustomerCompany.java
index 8ea932f9..6c519eb5 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customerinfo/domain/BmsCustomerCompany.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customerinfo/domain/BmsCustomerCompany.java
@@ -115,8 +115,8 @@ public class BmsCustomerCompany extends BaseEntity
     /** 注册详细地址 */
     private String registeredAddressDetail;
 
-    /** 营业执照 oss_id */
-    private Long businessLicenseOssId;
+    /** 营业执照图片URL（当前存服务器本地相对路径，后续可切换对象存储） */
+    private String businessLicenseUrl;
 
     /** 其他附件 oss_id 逗号分隔 */
     private String attachmentIds;
diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/CreditUsageCommand.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/CreditUsageCommand.java
index b33e270a..bfeff44b 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/CreditUsageCommand.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/CreditUsageCommand.java
@@ -51,10 +51,9 @@ public class CreditUsageCommand
     private String reason;
 
     /**
-     * 占用时是否校验可用额度（授信总额-已用 >= 本次占用额）。
-     * true=余额/额度不足直接抛异常（计费开单等新业务场景默认值）；
-     * false=允许超出总额度占用（兼容历史账单确认口径）。
-     * 释放场景该参数无意义。
+     * 字段保留兼容历史调用，当前计费策略（2026-09-20 起）已不再硬拦截：
+     * 超额客户计费继续占用信用额度，允许可用额度为负，后续改由超额提醒机制处理。
      */
+    @Deprecated
     private Boolean checkAvailable = Boolean.TRUE;
 }
diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/ICustomerAccountApi.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/ICustomerAccountApi.java
index aff35aaa..c76cdc52 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/ICustomerAccountApi.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/api/ICustomerAccountApi.java
@@ -60,7 +60,7 @@ public interface ICustomerAccountApi
 
     /**
      * 占用授信额度：used_credit += amount，写 OCCUPY 额度流水（关联来源单据）。
-     * 命令中 customerId 与 customerCode 二选一；checkAvailable=true 时可用额度不足抛 ServiceException；
+     * 命令中 customerId 与 customerCode 二选一；超额不拦截，允许可用额度（总额度-已占用）为负；
      * CNY账户不存在自动初始化，外币账户不存在时静默跳过（返回null，兼容历史口径）。
      *
      * @return 已落库的额度流水（含ID）；账户不存在跳过场景返回null
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 6f51b299..42929a56 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
@@ -303,23 +303,8 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
         }
         BigDecimal amount = money(command.getAmount());
         BigDecimal beforeUsed = nz(account.getUsedCredit());
-        BigDecimal totalAvailable = nz(account.getTotalCredit()).add(nz(account.getExtraCredit()))
-                .subtract(beforeUsed);
-        if (Boolean.TRUE.equals(command.getCheckAvailable()))
-        {
-            // 已处于超额（欠费）状态：可用额度已为负，任何新增计费一律拦截
-            if (totalAvailable.compareTo(BigDecimal.ZERO) < 0)
-            {
-                throw new ServiceException("客户已超额（欠费），当前可用额度：" + totalAvailable.toPlainString()
-                        + " " + currency + "，请先回款核销恢复额度后再计费开单");
-            }
-            if (totalAvailable.compareTo(amount) < 0)
-            {
-                throw new ServiceException("客户可用额度不足，当前可用额度：" + totalAvailable.toPlainString()
-                        + " " + currency + "，本次需占用：" + amount.toPlainString()
-                        + "，请回款核销或申请调整额度");
-            }
-        }
+        // 计费策略（2026-09-20 调整）：超额客户不拦截计费，继续占用信用额度，
+        // 允许可用额度（总额度-已占用）为负；后续基于负额度做超额提醒，不做硬拦截。
         BigDecimal afterUsed = beforeUsed.add(amount).setScale(MONEY_SCALE, RoundingMode.HALF_UP);
         account.setUsedCredit(afterUsed);
         account.setUpdateBy(username);
@@ -743,17 +728,17 @@ public class CustomerAccountApiImpl implements ICustomerAccountApi
         if (disabled && overdue)
         {
             vo.setAccountStatus(CustomerAccountStatusVO.STATUS_DISABLED_AND_OVERDUE);
-            vo.setAccountStatusDesc("客户已停用且可用额度不足（欠费），不可新下单");
+            vo.setAccountStatusDesc("客户已停用且已超额（欠费），停用客户不可新计费");
         }
         else if (disabled)
         {
             vo.setAccountStatus(CustomerAccountStatusVO.STATUS_DISABLED);
-            vo.setAccountStatusDesc("客户已停用，不可新下单");
+            vo.setAccountStatusDesc("客户已停用，不可新计费");
         }
         else if (overdue)
         {
             vo.setAccountStatus(CustomerAccountStatusVO.STATUS_OVERDUE);
-            vo.setAccountStatusDesc("客户可用额度不足（欠费），需先回款核销恢复额度");
+            vo.setAccountStatusDesc("客户已超额（欠费），可继续计费占用额度，请及时催收回款");
         }
         else
         {
diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/domain/CustomerReceipt.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/domain/CustomerReceipt.java
index 6f973139..ff60a150 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/domain/CustomerReceipt.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/domain/CustomerReceipt.java
@@ -84,6 +84,18 @@ public class CustomerReceipt extends BaseEntity
     /** 收款方式：BANK_TRANSFER/ALIPAY/WECHAT/CASH/OTHER */
     private String payMethod;
 
+    /** 收款银行账户ID（ar_bank_account） */
+    private Long bankAccountId;
+
+    /** 收款账户户名（登记时快照） */
+    private String bankAccountName;
+
+    /** 收款银行账号（登记时快照） */
+    private String bankAccountNo;
+
+    /** 开户行名称（登记时快照） */
+    private String bankName;
+
     /** 银行流水号/支付平台流水号 */
     private String bankTransactionNo;
 
diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/service/impl/CustomerMoneyServiceImpl.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/service/impl/CustomerMoneyServiceImpl.java
index ea720031..1a62a234 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/service/impl/CustomerMoneyServiceImpl.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/customer/customermoney/service/impl/CustomerMoneyServiceImpl.java
@@ -15,6 +15,8 @@ import org.springframework.util.CollectionUtils;
 import org.springframework.util.StringUtils;
 import com.ruoyi.common.exception.ServiceException;
 import com.ruoyi.common.utils.SecurityUtils;
+import com.ruoyi.ar.domain.ArBankAccount;
+import com.ruoyi.ar.mapper.ArBankAccountMapper;
 import com.ruoyi.customer.customerinfo.domain.BmsCustomer;
 import com.ruoyi.customer.customerinfo.domain.BmsCustomerAttachment;
 import com.ruoyi.customer.customerinfo.mapper.BmsCustomerMapper;
@@ -69,6 +71,10 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
     @Autowired
     private ICreditQuotaService creditQuotaService;
 
+    /** 公司收款银行账户（登记收款选择并快照） */
+    @Autowired
+    private ArBankAccountMapper arBankAccountMapper;
+
     @Override
     @Transactional(rollbackFor = Exception.class)
     public List<CustomerAccount> selectAccountList(Long customerId)
@@ -136,6 +142,25 @@ public class CustomerMoneyServiceImpl implements ICustomerMoneyService
         {
             receipt.setCurrency(receipt.getCurrency().trim().toUpperCase());
         }
+        // 收款银行账户：以库中启用账户为准回填快照（不信任前端传入的户名/账号/开户行文本），
+        // 账户后续停用或修改不影响历史单据展示。
+        if (receipt.getBankAccountId() != null)
+        {
+            ArBankAccount bankAccount = arBankAccountMapper.selectEnabledById(receipt.getBankAccountId());
+            if (bankAccount == null)
+            {
+                throw new ServiceException("收款银行账户不存在或已停用，请重新选择");
+            }
+            receipt.setBankAccountName(bankAccount.getAccountName());
+            receipt.setBankAccountNo(bankAccount.getAccountNo());
+            receipt.setBankName(bankAccount.getBankName());
+        }
+        else
+        {
+            receipt.setBankAccountName(null);
+            receipt.setBankAccountNo(null);
+            receipt.setBankName(null);
+        }
         // 汇率与本位币金额：CNY 固定 1:1；外币以收款日即期汇率表为基准，允许页面手工修改。
         // 汇率来源由后端权威判定（不信任前端标记）：与汇率表一致=RATE_TABLE，不一致/表未配置=MANUAL。
         BigDecimal rate = receipt.getExchangeRate();
diff --git a/bms-back/ruoyi-system/src/main/resources/mapper/ar/ArBankAccountMapper.xml b/bms-back/ruoyi-system/src/main/resources/mapper/ar/ArBankAccountMapper.xml
index c9f26767..96c2ae6c 100644
--- a/bms-back/ruoyi-system/src/main/resources/mapper/ar/ArBankAccountMapper.xml
+++ b/bms-back/ruoyi-system/src/main/resources/mapper/ar/ArBankAccountMapper.xml
@@ -36,4 +36,34 @@
           and status = '0'
         order by is_default desc, bank_account_id limit 1
     </select>
+
+    <sql id="enabledColumns">
+        select bank_account_id,
+               account_name,
+               account_no,
+               bank_name,
+               currency,
+               is_default,
+               status,
+               remark,
+               create_by,
+               create_time,
+               update_by,
+               update_time
+        from ar_bank_account
+        where status = '0'
+    </sql>
+
+    <select id="selectEnabledById" resultMap="ArBankAccountResult">
+        <include refid="enabledColumns"/>
+          and bank_account_id = #{bankAccountId}
+    </select>
+
+    <select id="selectEnabledList" resultMap="ArBankAccountResult">
+        <include refid="enabledColumns"/>
+        <if test="currency != null and currency != ''">
+          and currency = #{currency}
+        </if>
+        order by is_default desc, currency asc, bank_account_id asc
+    </select>
 </mapper>
diff --git a/bms-back/ruoyi-system/src/main/resources/mapper/customer/BmsCustomerMapper.xml b/bms-back/ruoyi-system/src/main/resources/mapper/customer/BmsCustomerMapper.xml
index 7cae5ba2..c4cf81b2 100644
--- a/bms-back/ruoyi-system/src/main/resources/mapper/customer/BmsCustomerMapper.xml
+++ b/bms-back/ruoyi-system/src/main/resources/mapper/customer/BmsCustomerMapper.xml
@@ -363,7 +363,7 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
         <result property="registeredCity"    column="registered_city"    />
         <result property="registeredDistrict"    column="registered_district"    />
         <result property="registeredAddressDetail"    column="registered_address_detail"    />
-        <result property="businessLicenseOssId"    column="business_license_oss_id"    />
+        <result property="businessLicenseUrl"    column="business_license_url"    />
         <result property="attachmentIds"    column="attachment_ids"    />
         <result property="remark"    column="remark"    />
         <result property="createBy"    column="create_by"    />
@@ -374,7 +374,7 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
     </resultMap>
 
     <sql id="selectBmsCustomerCompanyVo">
-        select company_id, customer_id, company_name_full, english_name, credit_code, legal_person, legal_person_phone, legal_person_id_card, registered_capital, capital_currency, paid_in_capital, establish_date, business_term_start, business_term_end, business_term_permanent, registration_authority, registration_number, operating_status, business_scope, shareholders, employee_count, company_phone, company_fax, company_website, company_email, registered_province, registered_city, registered_district, registered_address_detail, business_license_oss_id, attachment_ids, remark, create_by, create_time, update_by, update_time, del_flag from bms_customer_company
+        select company_id, customer_id, company_name_full, english_name, credit_code, legal_person, legal_person_phone, legal_person_id_card, registered_capital, capital_currency, paid_in_capital, establish_date, business_term_start, business_term_end, business_term_permanent, registration_authority, registration_number, operating_status, business_scope, shareholders, employee_count, company_phone, company_fax, company_website, company_email, registered_province, registered_city, registered_district, registered_address_detail, business_license_url, attachment_ids, remark, create_by, create_time, update_by, update_time, del_flag from bms_customer_company
     </sql>
 
     <select id="selectBmsCustomerCompanyList" parameterType="com.ruoyi.customer.customerinfo.domain.BmsCustomerCompany" resultMap="BmsCustomerCompanyResult">
@@ -426,7 +426,7 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             <if test="registeredCity != null">registered_city,</if>
             <if test="registeredDistrict != null">registered_district,</if>
             <if test="registeredAddressDetail != null">registered_address_detail,</if>
-            <if test="businessLicenseOssId != null">business_license_oss_id,</if>
+            <if test="businessLicenseUrl != null">business_license_url,</if>
             <if test="attachmentIds != null">attachment_ids,</if>
             <if test="remark != null">remark,</if>
             <if test="createBy != null">create_by,</if>
@@ -462,7 +462,7 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             <if test="registeredCity != null">#{registeredCity},</if>
             <if test="registeredDistrict != null">#{registeredDistrict},</if>
             <if test="registeredAddressDetail != null">#{registeredAddressDetail},</if>
-            <if test="businessLicenseOssId != null">#{businessLicenseOssId},</if>
+            <if test="businessLicenseUrl != null">#{businessLicenseUrl},</if>
             <if test="attachmentIds != null">#{attachmentIds},</if>
             <if test="remark != null">#{remark},</if>
             <if test="createBy != null">#{createBy},</if>
@@ -502,7 +502,7 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             <if test="registeredCity != null">registered_city = #{registeredCity},</if>
             <if test="registeredDistrict != null">registered_district = #{registeredDistrict},</if>
             <if test="registeredAddressDetail != null">registered_address_detail = #{registeredAddressDetail},</if>
-            <if test="businessLicenseOssId != null">business_license_oss_id = #{businessLicenseOssId},</if>
+            <if test="businessLicenseUrl != null">business_license_url = #{businessLicenseUrl},</if>
             <if test="attachmentIds != null">attachment_ids = #{attachmentIds},</if>
             <if test="remark != null">remark = #{remark},</if>
             <if test="updateBy != null">update_by = #{updateBy},</if>
diff --git a/bms-back/ruoyi-system/src/main/resources/mapper/customer/CustomerMoneyMapper.xml b/bms-back/ruoyi-system/src/main/resources/mapper/customer/CustomerMoneyMapper.xml
index 3c1b1c21..fac8e271 100644
--- a/bms-back/ruoyi-system/src/main/resources/mapper/customer/CustomerMoneyMapper.xml
+++ b/bms-back/ruoyi-system/src/main/resources/mapper/customer/CustomerMoneyMapper.xml
@@ -247,6 +247,10 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
         <result property="rateSourceDesc"      column="rate_source_desc"      />
         <result property="baseAmount"          column="base_amount"           />
         <result property="payMethod"           column="pay_method"            />
+        <result property="bankAccountId"       column="bank_account_id"       />
+        <result property="bankAccountName"     column="bank_account_name"     />
+        <result property="bankAccountNo"       column="bank_account_no"       />
+        <result property="bankName"            column="bank_name"             />
         <result property="bankTransactionNo"   column="bank_transaction_no"   />
         <result property="receivedAt"          column="received_at"           />
         <result property="status"              column="status"                />
@@ -266,7 +270,8 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
     <sql id="selectCustomerReceiptVo">
         select r.id, r.receipt_no, r.customer_id, r.account_id, r.receipt_type, r.amount, r.allocated_amount,
                r.unallocated_amount, r.currency, r.exchange_rate, r.rate_source, r.rate_source_desc,
-               r.base_amount, r.pay_method, r.bank_transaction_no,
+               r.base_amount, r.pay_method, r.bank_account_id, r.bank_account_name,
+               r.bank_account_no, r.bank_name, r.bank_transaction_no,
                r.received_at, r.status,
                r.confirmed_at, r.confirmed_by, r.invoice_status, r.version, r.create_by, r.create_time,
                r.update_by, r.update_time, r.remark, r.del_flag,
@@ -322,6 +327,10 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             <if test="rateSourceDesc != null">rate_source_desc,</if>
             <if test="baseAmount != null">base_amount,</if>
             <if test="payMethod != null">pay_method,</if>
+            <if test="bankAccountId != null">bank_account_id,</if>
+            <if test="bankAccountName != null">bank_account_name,</if>
+            <if test="bankAccountNo != null">bank_account_no,</if>
+            <if test="bankName != null">bank_name,</if>
             <if test="bankTransactionNo != null">bank_transaction_no,</if>
             <if test="receivedAt != null">received_at,</if>
             <if test="status != null">status,</if>
@@ -347,6 +356,10 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
             <if test="rateSourceDesc != null">#{rateSourceDesc},</if>
             <if test="baseAmount != null">#{baseAmount},</if>
             <if test="payMethod != null">#{payMethod},</if>
+            <if test="bankAccountId != null">#{bankAccountId},</if>
+            <if test="bankAccountName != null">#{bankAccountName},</if>
+            <if test="bankAccountNo != null">#{bankAccountNo},</if>
+            <if test="bankName != null">#{bankName},</if>
             <if test="bankTransactionNo != null">#{bankTransactionNo},</if>
             <if test="receivedAt != null">#{receivedAt},</if>
             <if test="status != null">#{status},</if>
diff --git a/bms-back/sql/customer+supplier/customer_company_url_and_receipt_bank.sql b/bms-back/sql/customer+supplier/customer_company_url_and_receipt_bank.sql
new file mode 100644
index 00000000..a497762b
--- /dev/null
+++ b/bms-back/sql/customer+supplier/customer_company_url_and_receipt_bank.sql
@@ -0,0 +1,19 @@
+-- =============================================================
+-- 1) 客户公司主体营业执照：bigint oss_id 改为 URL 字符串
+--    先按服务器本地存储（/common/upload 返回相对路径），后续可平滑切换对象存储
+-- 2) 客户收款登记：增加收款银行账户（ar_bank_account 关联 + 冗余快照，防账户后续变更）
+-- 2026-09-20
+-- =============================================================
+SET NAMES utf8mb4;
+
+-- ---------- bms_customer_company ----------
+ALTER TABLE `bms_customer_company`
+  CHANGE COLUMN `business_license_oss_id` `business_license_url` VARCHAR(500)
+  DEFAULT NULL COMMENT '营业执照图片URL（服务器本地存储，后续可切换对象存储）';
+
+-- ---------- customer_receipt ----------
+ALTER TABLE `customer_receipt`
+  ADD COLUMN `bank_account_id`   BIGINT(20)    DEFAULT NULL COMMENT '收款银行账户ID（ar_bank_account）' AFTER `pay_method`,
+  ADD COLUMN `bank_account_name` VARCHAR(100)  DEFAULT NULL COMMENT '收款账户户名（登记时快照）' AFTER `bank_account_id`,
+  ADD COLUMN `bank_account_no`   VARCHAR(128)  DEFAULT NULL COMMENT '收款银行账号（登记时快照）' AFTER `bank_account_name`,
+  ADD COLUMN `bank_name`         VARCHAR(100)  DEFAULT NULL COMMENT '开户行名称（登记时快照）' AFTER `bank_account_no`;
diff --git a/bms-front/src/api/ar/bankAccount.js b/bms-front/src/api/ar/bankAccount.js
new file mode 100644
index 00000000..3edc987d
--- /dev/null
+++ b/bms-front/src/api/ar/bankAccount.js
@@ -0,0 +1,10 @@
+import request from '@/utils/request'
+
+// 公司收款银行账户（登记收款下拉选择）
+export function listBankAccountOptions(currency) {
+  return request({
+    url: '/ar/bank-account/options',
+    method: 'get',
+    params: currency ? { currency } : {}
+  })
+}
diff --git a/bms-front/src/views/customersuppliermanagement/customerinfo/customeredit/index.vue b/bms-front/src/views/customersuppliermanagement/customerinfo/customeredit/index.vue
index 8a12e077..84224517 100644
--- a/bms-front/src/views/customersuppliermanagement/customerinfo/customeredit/index.vue
+++ b/bms-front/src/views/customersuppliermanagement/customerinfo/customeredit/index.vue
@@ -506,8 +506,8 @@
             </el-form-item>
           </el-col>
           <el-col :span="24">
-            <el-form-item label="营业执照" prop="businessLicenseOssId">
-              <image-upload v-model="companyForm.businessLicenseOssId" :limit="1" :size="5" />
+            <el-form-item label="营业执照" prop="businessLicenseUrl">
+              <image-upload v-model="companyForm.businessLicenseUrl" :limit="1" :size="5" />
             </el-form-item>
           </el-col>
           <el-col :span="24">
@@ -1029,7 +1029,7 @@ function resetCompanyForm() {
     registeredCity: '',
     registeredDistrict: '',
     registeredAddressDetail: '',
-    businessLicenseOssId: null,
+    businessLicenseUrl: '',
     attachmentIds: '',
     remark: ''
   }
diff --git a/bms-front/src/views/customersuppliermanagement/customerinfo/customermoney/index.vue b/bms-front/src/views/customersuppliermanagement/customerinfo/customermoney/index.vue
index d9291ba2..01f7ed8d 100644
--- a/bms-front/src/views/customersuppliermanagement/customerinfo/customermoney/index.vue
+++ b/bms-front/src/views/customersuppliermanagement/customerinfo/customermoney/index.vue
@@ -73,7 +73,7 @@
           <div class="balance-label">可用额度</div>
           <div class="balance-value" :class="availableOverLimit ? 'danger' : 'success'">{{ availableCredit }}</div>
           <div class="balance-sub" v-if="availableOverLimit" style="color: var(--el-color-danger);">
-            已超额，回款核销后恢复
+            已超额，可继续计费，请及时催收回款
           </div>
         </el-card>
       </el-col>
@@ -152,6 +152,14 @@
             <el-table-column label="收款方式" align="center" prop="payMethod" width="110">
               <template #default="scope">{{ formatOption(payMethodOptions, scope.row.payMethod) }}</template>
             </el-table-column>
+            <el-table-column label="收款银行账户" align="center" width="220" show-overflow-tooltip>
+              <template #default="scope">
+                <span v-if="scope.row.bankAccountId">
+                  {{ scope.row.bankName || '-' }} {{ scope.row.bankAccountNo || '' }}
+                </span>
+                <span v-else>-</span>
+              </template>
+            </el-table-column>
             <el-table-column label="银行/平台流水号" align="center" prop="bankTransactionNo" width="170" show-overflow-tooltip />
             <el-table-column label="状态" align="center" prop="status" width="90">
               <template #default="scope">
@@ -637,6 +645,26 @@
               </el-select>
             </el-form-item>
           </el-col>
+          <el-col :span="12">
+            <el-form-item label="收款银行账户" prop="bankAccountId">
+              <el-select
+                v-model="receiptDialog.form.bankAccountId"
+                placeholder="请选择收款银行账户"
+                style="width: 100%;"
+                filterable
+                clearable
+                :loading="bankAccountLoading"
+                @change="handleBankAccountChange"
+              >
+                <el-option
+                  v-for="acc in bankAccountOptions"
+                  :key="acc.bankAccountId"
+                  :label="`${acc.bankName} ${acc.accountNo}（${acc.accountName}）`"
+                  :value="acc.bankAccountId"
+                />
+              </el-select>
+            </el-form-item>
+          </el-col>
           <el-col :span="12">
             <el-form-item label="流水号" prop="bankTransactionNo">
               <el-input v-model="receiptDialog.form.bankTransactionNo" placeholder="银行/支付平台流水号" />
@@ -715,6 +743,13 @@
         </el-descriptions-item>
         <el-descriptions-item label="待核销金额">CNY {{ formatMoney(viewDialog.data.unallocatedAmount) }}</el-descriptions-item>
         <el-descriptions-item label="收款方式">{{ formatOption(payMethodOptions, viewDialog.data.payMethod) }}</el-descriptions-item>
+        <el-descriptions-item label="收款银行账户">
+          <span v-if="viewDialog.data.bankAccountId">
+            {{ viewDialog.data.bankName || '-' }} {{ viewDialog.data.bankAccountNo || '' }}
+            <span v-if="viewDialog.data.bankAccountName">（{{ viewDialog.data.bankAccountName }}）</span>
+          </span>
+          <span v-else>-</span>
+        </el-descriptions-item>
         <el-descriptions-item label="银行流水号">{{ viewDialog.data.bankTransactionNo || '-' }}</el-descriptions-item>
         <el-descriptions-item label="确认时间">{{ formatDateTime(viewDialog.data.confirmedAt) }}</el-descriptions-item>
         <el-descriptions-item label="登记人">{{ viewDialog.data.createBy || '-' }}</el-descriptions-item>
@@ -822,7 +857,7 @@
               <div class="rate-tip">
                 {{ creditDialog.form.creditType === 'TEMP'
                   ? '失效日当天仍有效，次日访问账户时自动清零并记到期流水'
-                  : '信用额度失效日期必填；失效日当天仍有效，次日自动清零，已用额度未回款时将形成欠费拦截' }}
+                  : '信用额度失效日期必填；失效日当天仍有效，次日自动清零，已用额度未回款时将形成超额欠费（可继续计费，请及时催收）' }}
               </div>
             </el-form-item>
           </el-col>
@@ -970,6 +1005,7 @@ import { getCustomer } from "@/api/customersuppliermanagement/customerinfo/custo
 import { listAccount, listReceipt, getReceipt, addReceipt, confirmReceipt, cancelReceipt, listFlow, listCreditFlow, applyCreditAdjust, listCreditApply, approveCreditApply, rejectCreditApply, cancelCreditApply, listMyCreditPools } from "@/api/customersuppliermanagement/customermoney/customermoney.js"
 import { listUnsettledBill, listBalanceWriteoff, balanceWriteoff, cancelBalanceWriteoff } from "@/api/customersuppliermanagement/customermoney/customerbill.js"
 import { convertToBase } from "@/api/data/exchangeRate"
+import { listBankAccountOptions } from "@/api/ar/bankAccount"
 import { getToken } from "@/utils/auth"
 import { AR_BALANCE_WRITEOFF_STATUS, AR_BALANCE_WRITEOFF_STATUS_OPTIONS, AR_BALANCE_WRITEOFF_STATUS_TYPES, AR_BILL_STATUS_OPTIONS, AR_BILL_STATUS_TYPES, arEnumLabel } from '@/constants/ar/enums'
 
@@ -1107,7 +1143,7 @@ const availableCreditValue = computed(() => {
 })
 /** 可用额度展示文本 */
 const availableCredit = computed(() => formatMoney(availableCreditValue.value))
-/** 是否处于超额状态（已用额度超过授信总额，新计费开单将被拦截，需先回款核销） */
+/** 是否处于超额状态（已用额度超过授信总额，可用为负；不拦截计费，后续做超额提醒） */
 const availableOverLimit = computed(() => availableCreditValue.value < 0)
 
 /** 临时额度有效期文案 */
@@ -1360,6 +1396,30 @@ const receiptDialog = reactive({
   visible: false,
   form: {}
 })
+/** 收款银行账户下拉（按币种过滤，默认账户优先） */
+const bankAccountOptions = ref([])
+const bankAccountLoading = ref(false)
+
+function loadBankAccountOptions(currency, { autoPick = true } = {}) {
+  bankAccountLoading.value = true
+  listBankAccountOptions(currency || 'CNY').then(res => {
+    bankAccountOptions.value = res.data || []
+    if (!autoPick) return
+    // 当前已选账户在新列表中仍存在则保留；否则默认选中默认账户（无默认取第一个）
+    const cur = receiptDialog.form.bankAccountId
+    const stillExists = cur && bankAccountOptions.value.some(a => a.bankAccountId === cur)
+    if (!stillExists) {
+      const def = bankAccountOptions.value.find(a => a.isDefault === '1') || bankAccountOptions.value[0]
+      receiptDialog.form.bankAccountId = def ? def.bankAccountId : null
+    }
+  }).finally(() => {
+    bankAccountLoading.value = false
+  })
+}
+
+function handleBankAccountChange() {
+  // 选项清空时无需额外处理；快照（户名/账号/开户行）由后端登记时回填
+}
 const receiptRules = {
   receivedAt: [{ required: true, message: '收款日期不能为空', trigger: 'change' }],
   amount: [{ required: true, message: '收款金额不能为空', trigger: 'blur' }],
@@ -1378,6 +1438,7 @@ function resetReceiptForm() {
     currency: 'CNY',
     exchangeRate: 1,
     payMethod: 'BANK_TRANSFER',
+    bankAccountId: null,
     bankTransactionNo: '',
     remark: '',
     attachmentList: []
@@ -1387,6 +1448,7 @@ function resetReceiptForm() {
 
 function handleAddReceipt() {
   resetReceiptForm()
+  loadBankAccountOptions(receiptDialog.form.currency)
   receiptDialog.visible = true
 }
 
@@ -1422,11 +1484,12 @@ function fetchDefaultRate() {
     })
 }
 
-/** 切换币种：重置手工标记并重新取默认汇率 */
+/** 切换币种：重置手工标记并重新取默认汇率、刷新收款银行账户下拉 */
 function handleCurrencyChange() {
   rateEdited.value = false
   rateSourceInfo.value = { source: '', ratePath: '' }
   fetchDefaultRate()
+  loadBankAccountOptions(receiptDialog.form.currency)
 }
 
 /** 手工修改汇率 */