diff --git a/bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/service/impl/ArBillServiceImpl.java b/bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/service/impl/ArBillServiceImpl.java
index d2d32457..86fa98da 100644
--- a/bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/service/impl/ArBillServiceImpl.java
+++ b/bms-back/ruoyi-system/src/main/java/com/ruoyi/ar/service/impl/ArBillServiceImpl.java
@@ -292,15 +292,11 @@ public class ArBillServiceImpl implements IArBillService
                 bill.getStatus(),
                 "账单状态已发生变化，请刷新后重试", operator, requestId);
         }
-        // 账单确认：应收形成，按账单金额占用客户授信额度（账户不存在时仅CNY会自动初始化）
-        customerMoneyService.occupyCredit(bill.getCustomerId(), bill.getCurrency(),
-            nvl(bill.getTotalAmount()));
+        // 账单确认：应收形成，按账单金额占用客户授信额度。
+        // 不校验可用额度，兼容历史 used_credit 可高于总额度、外币账户静默跳过的口径。
+        customerAccountApi.occupyCredit(buildCreditCommand(bill, "确认应收账单"));
         recordSuccess(bill, ArLogObjectType.BILL, ArLogOperationType.CONFIRM,
             "确认应收账单", ArBillStatus.DRAFT.getCode(), ArBillStatus.CONFIRMED.getCode(), requestId, operator);
-        // 账单确认：应收形成，按账单金额占用客户授信额度（账户不存在时仅CNY会自动初始化）。
-        // 不校验可用额度，兼容历史 used_credit 可高于总额度、外币账户静默跳过的口径
-        customerAccountApi.occupyCredit(buildCreditCommand(bill));
-        recordSuccess(bill, "CONFIRM", "确认应收账单", ArBillStatus.DRAFT.getCode(), ArBillStatus.CONFIRMED.getCode(), requestId, operator);
         return selectArBillById(arBillId);
     }
 
@@ -341,11 +337,10 @@ public class ArBillServiceImpl implements IArBillService
                 bill.getStatus(),
                 "账单状态已发生变化，请刷新后重试", operator, requestId);
         }
-        // 账单作废：已确认账单占用的授信额度全额释放（可作废的CONFIRMED账单必然零核销）
+        // 账单作废：已确认账单占用的授信额度全额释放（可作废的CONFIRMED账单必然零核销）。
         if (currentStatus == ArBillStatus.CONFIRMED)
         {
-            customerMoneyService.releaseCredit(bill.getCustomerId(), bill.getCurrency(),
-                nvl(bill.getTotalAmount()));
+            customerAccountApi.releaseCredit(buildCreditCommand(bill, "作废应收账单"));
         }
         if (!sourceBillIds.isEmpty())
         {
@@ -575,6 +570,22 @@ public class ArBillServiceImpl implements IArBillService
         return new ServiceException(message);
     }
 
+    /** 构造客户资金模块使用的应收账单授信命令，确认和作废共用同一业务标识。 */
+    private CreditUsageCommand buildCreditCommand(ArBill bill, String reason)
+    {
+        CreditUsageCommand command = new CreditUsageCommand();
+        command.setCustomerId(bill.getCustomerId());
+        command.setCurrency(bill.getCurrency());
+        command.setAmount(nvl(bill.getTotalAmount()));
+        command.setBizType(CustomerFundBizType.AR_BILL);
+        command.setBizId(bill.getArBillId());
+        command.setBizNo(bill.getBillNo());
+        command.setReason(reason + "：" + bill.getBillNo());
+        // 应收确认沿用历史口径：允许已用额度暂时超过额度上限；释放场景该字段无意义。
+        command.setCheckAvailable(Boolean.FALSE);
+        return command;
+    }
+
     private byte[] buildWorkbook(ArBill bill) throws IOException
     {
         ClassPathResource resource = new ClassPathResource(EXPORT_TEMPLATE_RESOURCE);