diff --git a/bms-back/bms-system/src/main/java/com/bms/price/mapper/PayProductMapper.java b/bms-back/bms-system/src/main/java/com/bms/price/mapper/PayProductMapper.java
index 6cd96662..ab7b6fb2 100644
--- a/bms-back/bms-system/src/main/java/com/bms/price/mapper/PayProductMapper.java
+++ b/bms-back/bms-system/src/main/java/com/bms/price/mapper/PayProductMapper.java
@@ -54,7 +54,5 @@ public interface PayProductMapper
 
     Long selectEffectiveVersionId(@Param("stableId") Long stableId, @Param("bizDate") Date bizDate);
 
-    PayProduct selectInactiveCovering(@Param("stableId") Long stableId, @Param("bizDate") Date bizDate);
-
     Long selectLatestVersionId(@Param("stableId") Long stableId);
 }
diff --git a/bms-back/bms-system/src/main/java/com/bms/price/service/impl/PayProductServiceImpl.java b/bms-back/bms-system/src/main/java/com/bms/price/service/impl/PayProductServiceImpl.java
index 459d4652..4649aafc 100644
--- a/bms-back/bms-system/src/main/java/com/bms/price/service/impl/PayProductServiceImpl.java
+++ b/bms-back/bms-system/src/main/java/com/bms/price/service/impl/PayProductServiceImpl.java
@@ -488,7 +488,7 @@ public class PayProductServiceImpl implements IPayProductService
         term.setVersionNo(product.getVersionNo() == null ? 1 : product.getVersionNo());
         term.setEffectiveStart(product.getEffectiveDate());
         term.setFilePath(sourcePath(product.getFilePath()));
-        term.setStatus("1");
+        term.setStatus("0");
         term.setCreateBy(product.getCreateBy());
         payProductTermMapper.insertTerm(term);
     }
@@ -1013,16 +1013,6 @@ public class PayProductServiceImpl implements IPayProductService
     private PayProduct loadVersion(Long root, Date day, boolean required)
     {
         Long versionId = payProductMapper.selectEffectiveVersionId(root, day);
-        if (versionId == null && required)
-        {
-            PayProduct blocked = payProductMapper.selectInactiveCovering(root, day);
-            if (blocked != null)
-            {
-                String blockedName = blocked.getProductName() == null ? String.valueOf(root) : blocked.getProductName();
-                String versionText = blocked.getVersionNo() == null ? "-" : String.valueOf(blocked.getVersionNo());
-                throw new ServiceException("未配置应付计算规则：" + blockedName + " 第 " + versionText + " 版，取价日 " + formatDay(day));
-            }
-        }
         if (versionId == null && !required)
         {
             versionId = payProductMapper.selectLatestVersionId(root);
@@ -1034,8 +1024,10 @@ public class PayProductServiceImpl implements IPayProductService
                 return null;
             }
             PayProduct rootRow = payProductMapper.selectPayProductById(root);
-            String name = rootRow == null ? String.valueOf(root) : rootRow.getProductName();
-            throw new ServiceException("订单时间 " + formatDay(day) + " 没有落在产品「" + name + "」的价格有效期内");
+            String name = rootRow == null || rootRow.getProductName() == null
+                ? String.valueOf(root) : rootRow.getProductName();
+            throw new ServiceException("订单时间 " + formatDay(day) + " 没有落在产品「" + name + "」的价格有效期内"
+                + savedWindows(rootRow));
         }
         PayProduct detail = selectPayProductDetail(versionId);
         if (detail == null)
@@ -1213,6 +1205,34 @@ public class PayProductServiceImpl implements IPayProductService
         return toLocalDate(date).toString();
     }
 
+    /** 订单日没落在任何一版有效期里时，把已经保存的起止带出来。 */
+    private String savedWindows(PayProduct rootRow)
+    {
+        if (rootRow == null)
+        {
+            return "";
+        }
+        List<PayProductTerm> terms = payProductTermMapper.selectByDict(termKey(rootRow));
+        if (terms == null || terms.isEmpty())
+        {
+            return "";
+        }
+        StringBuilder text = new StringBuilder("。已保存的有效期：");
+        for (int i = 0; i < terms.size(); i++)
+        {
+            PayProductTerm term = terms.get(i);
+            if (i > 0)
+            {
+                text.append("；");
+            }
+            String version = term.getVersionNo() == null ? "-" : String.valueOf(term.getVersionNo());
+            String start = term.getEffectiveStart() == null ? "不限" : formatDay(term.getEffectiveStart());
+            String end = term.getEffectiveEnd() == null ? "不限" : formatDay(term.getEffectiveEnd());
+            text.append("第 ").append(version).append(" 版 ").append(start).append(" 至 ").append(end);
+        }
+        return text.toString();
+    }
+
     private static String cut(String value, int max)
     {
         if (value == null || value.length() <= max)
diff --git a/bms-back/bms-system/src/main/resources/mapper/price/PayProductMapper.xml b/bms-back/bms-system/src/main/resources/mapper/price/PayProductMapper.xml
index d67a7ee5..77e66611 100644
--- a/bms-back/bms-system/src/main/resources/mapper/price/PayProductMapper.xml
+++ b/bms-back/bms-system/src/main/resources/mapper/price/PayProductMapper.xml
@@ -320,32 +320,19 @@ PUBLIC "-//mybatis.org//DTD Mapper 3.0//EN"
         where product_id = #{rootId} or origin_id = #{rootId}
     </select>
 
+    <!-- 取价只看有效期。生效/失效开关不参与，和历史页说明一致。 -->
     <select id="selectEffectiveVersionId" resultType="long">
         select v.product_id
         from pay_product v
         inner join pay_product_term t on t.product_id = v.product_id
         where (v.channel_id is null or v.channel_id = '')
           and (v.product_id = #{stableId} or v.origin_id = #{stableId})
-          and t.status = '0'
           and (t.effective_start is null or t.effective_start &lt;= date(#{bizDate}))
           and (t.effective_end is null or t.effective_end &gt;= date(#{bizDate}))
         order by ifnull(v.version_no, 1) desc, v.product_id desc
         limit 1
     </select>
 
-    <select id="selectInactiveCovering" resultMap="PayProductResult">
-        select v.product_id, v.product_name, t.version_no
-        from pay_product v
-        inner join pay_product_term t on t.product_id = v.product_id
-        where (v.channel_id is null or v.channel_id = '')
-          and (v.product_id = #{stableId} or v.origin_id = #{stableId})
-          and ifnull(t.status, '1') &lt;&gt; '0'
-          and (t.effective_start is null or t.effective_start &lt;= date(#{bizDate}))
-          and (t.effective_end is null or t.effective_end &gt;= date(#{bizDate}))
-        order by ifnull(t.version_no, 1) desc, v.product_id desc
-        limit 1
-    </select>
-
     <select id="selectLatestVersionId" resultType="long">
         select v.product_id
         from pay_product v