diff --git a/backend/internal/modules/distribution/handler.go b/backend/internal/modules/distribution/handler.go
index 548ef69..d22aeda 100644
--- a/backend/internal/modules/distribution/handler.go
+++ b/backend/internal/modules/distribution/handler.go
@@ -54,6 +54,15 @@ func (h *Handler) CreateSite(c *gin.Context) {
 	response.Created(c, item)
 }
 
+func (h *Handler) GetSiteDefaults(c *gin.Context) {
+	holdDays, err := h.service.DefaultSettlementHoldDays(c.Request.Context())
+	if err != nil {
+		writeError(c, err)
+		return
+	}
+	response.OK(c, gin.H{"default_settlement_hold_days": holdDays})
+}
+
 func (h *Handler) UpdateSite(c *gin.Context) {
 	id, ok := parseID(c)
 	if !ok {
diff --git a/backend/internal/modules/distribution/repository.go b/backend/internal/modules/distribution/repository.go
index 5288bea..998761c 100644
--- a/backend/internal/modules/distribution/repository.go
+++ b/backend/internal/modules/distribution/repository.go
@@ -13,6 +13,7 @@ import (
 	"hfb_sys/backend/internal/auditlog"
 	"hfb_sys/backend/internal/model"
 	listingpkg "hfb_sys/backend/internal/modules/listing"
+	"hfb_sys/backend/internal/modules/systemconfig"
 	"hfb_sys/backend/internal/modules/wallet"
 
 	"github.com/redis/go-redis/v9"
@@ -220,6 +221,23 @@ func (r *Repository) FindSite(ctx context.Context, adminID, id uint64) (*SiteDTO
 	return &item, nil
 }
 
+// resolveDefaultSettlementHoldDays 读取系统配置里的新建站点默认结算冷却天数，缺失或异常时回落到内置默认值。
+func (r *Repository) resolveDefaultSettlementHoldDays(ctx context.Context) int {
+	if r == nil || r.db == nil {
+		return systemconfig.DefaultDistributionSettlementHoldDays
+	}
+	var row model.SystemConfig
+	if err := r.db.WithContext(ctx).Where("`key` = ?", systemconfig.DistributionSettlementHoldDaysKey).First(&row).Error; err != nil {
+		return systemconfig.DefaultDistributionSettlementHoldDays
+	}
+	return systemconfig.ParseDistributionSettlementHoldDays(row.Value)
+}
+
+// DefaultSettlementHoldDays 暴露当前有效的默认结算冷却天数，供前端表单使用。
+func (r *Repository) DefaultSettlementHoldDays(ctx context.Context) int {
+	return r.resolveDefaultSettlementHoldDays(ctx)
+}
+
 func (r *Repository) CreateSite(ctx context.Context, req CreateSiteRequest) (*SiteDTO, error) {
 	row := model.DistributionSite{
 		SiteCode: strings.TrimSpace(req.SiteCode), SiteName: strings.TrimSpace(req.SiteName), Domain: strings.TrimSpace(req.Domain),
@@ -243,6 +261,8 @@ func (r *Repository) CreateSite(ctx context.Context, req CreateSiteRequest) (*Si
 			return nil, err
 		}
 		row.SettlementHoldDays = holdDays
+	} else {
+		row.SettlementHoldDays = r.resolveDefaultSettlementHoldDays(ctx)
 	}
 	if err := r.db.WithContext(ctx).Create(&row).Error; err != nil {
 		return nil, err
@@ -1404,7 +1424,7 @@ func (r *Repository) OnboardSite(ctx context.Context, req OnboardSiteRequest) (*
 		if req.TaxRateBPS != nil {
 			taxRate = *req.TaxRateBPS
 		}
-		holdDays := 7
+		holdDays := r.resolveDefaultSettlementHoldDays(ctx)
 		if req.SettlementHoldDays != nil {
 			normalized, err := normalizeSettlementHoldDays(*req.SettlementHoldDays)
 			if err != nil {
diff --git a/backend/internal/modules/distribution/service.go b/backend/internal/modules/distribution/service.go
index 3b6ec80..7c3078e 100644
--- a/backend/internal/modules/distribution/service.go
+++ b/backend/internal/modules/distribution/service.go
@@ -86,6 +86,12 @@ func (s *Service) CreateSite(ctx context.Context, req CreateSiteRequest) (*SiteD
 	}
 	return s.repo.CreateSite(ctx, req)
 }
+func (s *Service) DefaultSettlementHoldDays(ctx context.Context) (int, error) {
+	if err := s.available(); err != nil {
+		return 0, err
+	}
+	return s.repo.DefaultSettlementHoldDays(ctx), nil
+}
 func (s *Service) UpdateSite(ctx context.Context, adminID, id uint64, req UpdateSiteRequest) (*SiteDTO, error) {
 	if err := s.available(); err != nil {
 		return nil, err
diff --git a/backend/internal/modules/distribution/settlement_default_test.go b/backend/internal/modules/distribution/settlement_default_test.go
new file mode 100644
index 0000000..3e92c07
--- /dev/null
+++ b/backend/internal/modules/distribution/settlement_default_test.go
@@ -0,0 +1,54 @@
+package distribution
+
+import (
+	"testing"
+
+	"hfb_sys/backend/internal/model"
+	"hfb_sys/backend/internal/modules/systemconfig"
+)
+
+// TestCreateSiteUsesConfiguredDefaultSettlementHoldDays 验证新建站点未显式传值时读取系统配置的默认冷却天数。
+func TestCreateSiteUsesConfiguredDefaultSettlementHoldDays(t *testing.T) {
+	db := distributionTestDB(t)
+	repo := NewRepository(db)
+	if err := db.Create(&model.SystemConfig{
+		Key:   systemconfig.DistributionSettlementHoldDaysKey,
+		Value: "3",
+	}).Error; err != nil {
+		t.Fatal(err)
+	}
+	dto, err := repo.CreateSite(t.Context(), CreateSiteRequest{SiteCode: "cfg_hold", SiteName: "配置冷却站", Domain: "cfghold.dist.com"})
+	if err != nil {
+		t.Fatalf("CreateSite err = %v", err)
+	}
+	if dto.SettlementHoldDays != 3 {
+		t.Fatalf("DTO settlement_hold_days = %d, want 3", dto.SettlementHoldDays)
+	}
+	var site model.DistributionSite
+	if err := db.Where("site_code = ?", "cfg_hold").First(&site).Error; err != nil {
+		t.Fatal(err)
+	}
+	if site.SettlementHoldDays != 3 {
+		t.Fatalf("DB settlement_hold_days = %d, want 3", site.SettlementHoldDays)
+	}
+}
+
+// TestCreateSiteFallsBackWhenConfigMissing 验证系统配置缺失时回落到内置默认 7 天。
+func TestCreateSiteFallsBackWhenConfigMissing(t *testing.T) {
+	db := distributionTestDB(t)
+	repo := NewRepository(db)
+	dto, err := repo.CreateSite(t.Context(), CreateSiteRequest{SiteCode: "no_cfg_hold", SiteName: "兜底冷却站", Domain: "nocfghold.dist.com"})
+	if err != nil {
+		t.Fatalf("CreateSite err = %v", err)
+	}
+	if dto.SettlementHoldDays != systemconfig.DefaultDistributionSettlementHoldDays {
+		t.Fatalf("DTO settlement_hold_days = %d, want %d", dto.SettlementHoldDays, systemconfig.DefaultDistributionSettlementHoldDays)
+	}
+	var site model.DistributionSite
+	if err := db.Where("site_code = ?", "no_cfg_hold").First(&site).Error; err != nil {
+		t.Fatal(err)
+	}
+	if site.SettlementHoldDays != systemconfig.DefaultDistributionSettlementHoldDays {
+		t.Fatalf("DB settlement_hold_days = %d, want %d", site.SettlementHoldDays, systemconfig.DefaultDistributionSettlementHoldDays)
+	}
+}
diff --git a/backend/internal/modules/systemconfig/distribution.go b/backend/internal/modules/systemconfig/distribution.go
new file mode 100644
index 0000000..c06fe21
--- /dev/null
+++ b/backend/internal/modules/systemconfig/distribution.go
@@ -0,0 +1,43 @@
+package systemconfig
+
+import (
+	"strconv"
+	"strings"
+)
+
+// DistributionSettlementHoldDaysKey 是「新建分销站点默认结算冷却天数」的系统配置键。
+const DistributionSettlementHoldDaysKey = "distribution.default_settlement_hold_days"
+
+// DefaultDistributionSettlementHoldDays 是新建分销站点默认结算冷却天数的兜底值。
+const DefaultDistributionSettlementHoldDays = 7
+
+func defaultDistributionSettlementHoldDaysValue() string {
+	return strconv.Itoa(DefaultDistributionSettlementHoldDays)
+}
+
+// ParseDistributionSettlementHoldDays 解析结算冷却天数配置，为空、非法或越界时回落到默认 7 天。
+func ParseDistributionSettlementHoldDays(raw string) int {
+	days, err := strconv.Atoi(strings.TrimSpace(raw))
+	if err != nil || days < 0 || days > 365 {
+		return DefaultDistributionSettlementHoldDays
+	}
+	return days
+}
+
+// validateConfigValue 按配置键分发校验逻辑，未注册校验的键直接放行。
+func validateConfigValue(key, value string) error {
+	switch key {
+	case DistributionSettlementHoldDaysKey:
+		return validateDistributionSettlementHoldDays(value)
+	default:
+		return nil
+	}
+}
+
+func validateDistributionSettlementHoldDays(value string) error {
+	days, err := strconv.Atoi(strings.TrimSpace(value))
+	if err != nil || days < 0 || days > 365 {
+		return ErrInvalidConfig
+	}
+	return nil
+}
diff --git a/backend/internal/modules/systemconfig/distribution_test.go b/backend/internal/modules/systemconfig/distribution_test.go
new file mode 100644
index 0000000..581fa3c
--- /dev/null
+++ b/backend/internal/modules/systemconfig/distribution_test.go
@@ -0,0 +1,66 @@
+package systemconfig
+
+import "testing"
+
+func TestParseDistributionSettlementHoldDays(t *testing.T) {
+	cases := []struct {
+		name string
+		raw  string
+		want int
+	}{
+		{name: "零天立即释放", raw: "0", want: 0},
+		{name: "默认七天", raw: "7", want: 7},
+		{name: "上限三百六十五天", raw: "365", want: 365},
+		{name: "负数回落", raw: "-1", want: DefaultDistributionSettlementHoldDays},
+		{name: "超过上限回落", raw: "366", want: DefaultDistributionSettlementHoldDays},
+		{name: "空值回落", raw: "  ", want: DefaultDistributionSettlementHoldDays},
+		{name: "非数字回落", raw: "abc", want: DefaultDistributionSettlementHoldDays},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			if got := ParseDistributionSettlementHoldDays(tc.raw); got != tc.want {
+				t.Fatalf("ParseDistributionSettlementHoldDays(%q) = %d, want %d", tc.raw, got, tc.want)
+			}
+		})
+	}
+}
+
+func TestDistributionSettlementHoldDaysConfigRegistered(t *testing.T) {
+	value := ""
+	for _, item := range defaultConfigs {
+		if item.Key == DistributionSettlementHoldDaysKey {
+			value = item.Value
+			break
+		}
+	}
+	if value != defaultDistributionSettlementHoldDaysValue() {
+		t.Fatalf("defaultConfigs 中 %s 的默认值 = %q, want %q", DistributionSettlementHoldDaysKey, value, defaultDistributionSettlementHoldDaysValue())
+	}
+	visible := false
+	for _, key := range adminVisibleConfigKeys {
+		if key == DistributionSettlementHoldDaysKey {
+			visible = true
+			break
+		}
+	}
+	if !visible {
+		t.Fatalf("adminVisibleConfigKeys 缺少 %s", DistributionSettlementHoldDaysKey)
+	}
+}
+
+func TestValidateConfigValueDistributionSettlementHoldDays(t *testing.T) {
+	for _, value := range []string{"0", "7", "365"} {
+		if err := validateConfigValue(DistributionSettlementHoldDaysKey, value); err != nil {
+			t.Fatalf("validateConfigValue(%q) = %v, want nil", value, err)
+		}
+	}
+	for _, value := range []string{"-1", "366", "", "abc"} {
+		if err := validateConfigValue(DistributionSettlementHoldDaysKey, value); err != ErrInvalidConfig {
+			t.Fatalf("validateConfigValue(%q) = %v, want ErrInvalidConfig", value, err)
+		}
+	}
+	// 未注册校验的键直接放行。
+	if err := validateConfigValue("handoff.owner_submit_timeout_minutes", "abc"); err != nil {
+		t.Fatalf("无关配置键应放行, got %v", err)
+	}
+}
diff --git a/backend/internal/modules/systemconfig/repository.go b/backend/internal/modules/systemconfig/repository.go
index a5850f9..954b0c6 100644
--- a/backend/internal/modules/systemconfig/repository.go
+++ b/backend/internal/modules/systemconfig/repository.go
@@ -54,6 +54,7 @@ var defaultConfigs = []defaultConfig{
 	{Key: cooperationFeedbackConfigKey, Value: defaultCooperationFeedbackConfigValue(), Description: "首页 合作与反馈入口配置 JSON（标题/副标题/展示图片）"},
 	{Key: publishOptionsConfigKey, Value: defaultPublishOptionsConfigValue(), Description: "发布页选项配置 JSON"},
 	{Key: salePriceConfigKey, Value: defaultSalePriceConfigValue(), Description: "内部出售定价规则 JSON"},
+	{Key: DistributionSettlementHoldDaysKey, Value: defaultDistributionSettlementHoldDaysValue(), Description: "新建分销站点默认结算冷却天数（0=立即释放，最大 365）"},
 	{Key: "backup.schedule_enabled", Value: "true", Description: "在线备份定时任务是否启用"},
 	{Key: "backup.full_hour", Value: "4", Description: "每日全量备份小时（Asia/Shanghai）"},
 	{Key: "backup.full_minute", Value: "30", Description: "每日全量备份分钟（Asia/Shanghai）"},
@@ -65,6 +66,7 @@ var adminVisibleConfigKeys = []string{
 	"chat.default_support_admin_id",
 	"chat.listing_group_welcome",
 	"chat.renter_retention_days_after_order_end",
+	"distribution.default_settlement_hold_days",
 	"handoff.owner_return_confirm_timeout_minutes",
 	"handoff.owner_submit_timeout_minutes",
 	"handoff.renter_confirm_timeout_minutes",
@@ -140,6 +142,9 @@ func (r *Repository) FindValue(ctx context.Context, key string) (string, error)
 }
 
 func (r *Repository) Update(ctx context.Context, actorID uint64, key string, req UpdateRequest, meta AuditMeta) (*ConfigDTO, error) {
+	if err := validateConfigValue(key, req.Value); err != nil {
+		return nil, err
+	}
 	var row model.SystemConfig
 	err := r.db.WithContext(ctx).Transaction(func(tx *gorm.DB) error {
 		if err := tx.Clauses(clause.Locking{Strength: "UPDATE"}).Where("`key` = ?", key).First(&row).Error; err != nil {
diff --git a/backend/internal/router/router.go b/backend/internal/router/router.go
index f1d98a7..6dadf1c 100644
--- a/backend/internal/router/router.go
+++ b/backend/internal/router/router.go
@@ -638,6 +638,7 @@ func New(cfg config.Config, deps Dependencies, logger *zap.Logger) *gin.Engine {
 			adminRoutes.POST("/files/upload", fileHandler.Upload)
 			adminRoutes.GET("/dashboard", requirePerm("dashboard:view"), adminDashboardHandler.Summary)
 			adminRoutes.GET("/distribution/sites", requirePerm("distribution:site_view"), distributionHandler.ListSites)
+			adminRoutes.GET("/distribution/site-defaults", requirePerm("distribution:site_view"), distributionHandler.GetSiteDefaults)
 			adminRoutes.GET("/distribution/sites/:id", requirePerm("distribution:site_view"), distributionHandler.GetSite)
 			adminRoutes.POST("/distribution/sites", requirePerm("distribution:site_manage"), distributionHandler.CreateSite)
 			adminRoutes.POST("/distribution/sites/onboard", requirePerm("distribution:site_manage"), distributionHandler.OnboardSite)
diff --git a/distribution-admin/src/api.ts b/distribution-admin/src/api.ts
index 87b1ed2..2130739 100644
--- a/distribution-admin/src/api.ts
+++ b/distribution-admin/src/api.ts
@@ -322,6 +322,18 @@ export async function listSites(): Promise<Site[]> {
   return extract(resp).items ?? []
 }
 
+export interface DistributionSiteDefaults {
+  default_settlement_hold_days: number
+}
+
+// fetchDistributionSiteDefaults 读取新建站点的默认结算冷却天数，供开通表单预填。
+export async function fetchDistributionSiteDefaults(): Promise<DistributionSiteDefaults> {
+  const resp = await api.get<ApiResponse<DistributionSiteDefaults>>(
+    '/admin/distribution/site-defaults'
+  )
+  return extract(resp)
+}
+
 export async function listRules(siteID?: number, mode?: string): Promise<Rule[]> {
   const resp = await api.get<ApiResponse<{ items: Rule[] }>>('/admin/distribution/rules', {
     params: { site_id: siteID || undefined, mode: mode || undefined },
diff --git a/distribution-admin/src/pages/Sites.tsx b/distribution-admin/src/pages/Sites.tsx
index 029649b..94f7595 100644
--- a/distribution-admin/src/pages/Sites.tsx
+++ b/distribution-admin/src/pages/Sites.tsx
@@ -17,7 +17,7 @@ import {
   Descriptions,
 } from 'antd'
 import { PlusOutlined, ShopOutlined, CopyOutlined } from '@ant-design/icons'
-import { listSites, onboardSite, type Site, type OnboardSitePayload, type OnboardSiteResult } from '../api'
+import { listSites, onboardSite, fetchDistributionSiteDefaults, type Site, type OnboardSitePayload, type OnboardSiteResult } from '../api'
 
 export default function Sites({ isSuperadmin = true }: { isSuperadmin?: boolean }) {
   const [items, setItems] = useState<Site[]>([])
@@ -25,6 +25,7 @@ export default function Sites({ isSuperadmin = true }: { isSuperadmin?: boolean
   const [modalOpen, setModalOpen] = useState(false)
   const [submitting, setSubmitting] = useState(false)
   const [successResult, setSuccessResult] = useState<OnboardSiteResult | null>(null)
+  const [defaultSettlementHoldDays, setDefaultSettlementHoldDays] = useState(7)
   const [form] = Form.useForm()
 
   const loadData = () => {
@@ -37,6 +38,16 @@ export default function Sites({ isSuperadmin = true }: { isSuperadmin?: boolean
 
   useEffect(() => {
     loadData()
+    fetchDistributionSiteDefaults()
+      .then((res) => {
+        const days = res?.default_settlement_hold_days
+        if (typeof days === 'number' && days >= 0 && days <= 365) {
+          setDefaultSettlementHoldDays(days)
+        }
+      })
+      .catch(() => {
+        // 拉取失败时保持内置默认值 7
+      })
   }, [])
 
   const handleOpenModal = () => {
@@ -46,7 +57,7 @@ export default function Sites({ isSuperadmin = true }: { isSuperadmin?: boolean
       display_account_enabled: true,
       tax_enabled: false,
       tax_rate_bps: 100,
-      settlement_hold_days: 7,
+      settlement_hold_days: defaultSettlementHoldDays,
     })
     setModalOpen(true)
   }
@@ -65,7 +76,7 @@ export default function Sites({ isSuperadmin = true }: { isSuperadmin?: boolean
         display_account_enabled: values.display_account_enabled,
         tax_enabled: values.tax_enabled,
         tax_rate_bps: values.tax_enabled ? values.tax_rate_bps : 0,
-        settlement_hold_days: Number(values.settlement_hold_days ?? 7),
+        settlement_hold_days: Number(values.settlement_hold_days ?? defaultSettlementHoldDays),
       }
       const res = await onboardSite(payload)
       message.success('分销站点及分销商管理员开通成功！')
diff --git a/docs/分销网管理后台设计方案.md b/docs/分销网管理后台设计方案.md
index 494bbd8..7b1b45c 100644
--- a/docs/分销网管理后台设计方案.md
+++ b/docs/分销网管理后台设计方案.md
@@ -828,4 +828,5 @@ distribution.hao858.com {
   5. 兑换比例提价语义明确（比例越小售价越高，提价使分站售价增加）。
 - 管理 API 覆盖站点、规则、售出/收号订单查询、财务快照、账号展示开关、支付通道绑定和结算批次。
 - 生产与测试口径一致：结算批次入账、站点提现与冷却期自动释放不再按 `APP_ENV` 冻结（原 `liveMoneyMovementEnabled` 生产保护已移除）。
+- 新建站点的默认结算冷却天数由系统配置 `distribution.default_settlement_hold_days` 统一控制（默认 7 天，0=立即释放，最大 365），管理端可在系统配置页调整；站点级 `settlement_hold_days` 仍可单独覆盖。
 - `distribution-admin` 基于 React + TypeScript + Vite + Ant Design，覆盖经营大盘、双视图资产管理、选品货架、订单中心、品牌装修与钱包明细。
diff --git a/frontend/src/features/admin/api/adminDistribution.ts b/frontend/src/features/admin/api/adminDistribution.ts
index 4f91293..2f21463 100644
--- a/frontend/src/features/admin/api/adminDistribution.ts
+++ b/frontend/src/features/admin/api/adminDistribution.ts
@@ -119,6 +119,17 @@ export async function fetchDistributionSites() {
   return data.data.items ?? []
 }
 
+export interface DistributionSiteDefaults {
+  default_settlement_hold_days: number
+}
+
+export async function fetchDistributionSiteDefaults() {
+  const { data } = await apiClient.get<ApiResponse<DistributionSiteDefaults>>(
+    '/admin/distribution/site-defaults'
+  )
+  return data.data
+}
+
 export async function onboardDistributionSite(payload: OnboardDistributionSitePayload) {
   const { data } = await apiClient.post<ApiResponse<OnboardDistributionSiteResult>>(
     '/admin/distribution/sites/onboard',
diff --git a/frontend/src/features/admin/views/AdminDistributionSitesView.vue b/frontend/src/features/admin/views/AdminDistributionSitesView.vue
index 40ca9fc..5aa437b 100644
--- a/frontend/src/features/admin/views/AdminDistributionSitesView.vue
+++ b/frontend/src/features/admin/views/AdminDistributionSitesView.vue
@@ -4,6 +4,7 @@ import { ElMessage, type FormInstance, type FormRules } from 'element-plus'
 import { Plus, Shop, Link, DocumentCopy, Refresh, Clock } from '@element-plus/icons-vue'
 import {
   fetchDistributionSites,
+  fetchDistributionSiteDefaults,
   onboardDistributionSite,
   syncDistributionSiteAccounts,
   updateDistributionSite,
@@ -16,6 +17,7 @@ import { readError } from '@/shared/utils/error'
 
 const loading = ref(false)
 const sites = ref<DistributionSite[]>([])
+const defaultSettlementHoldDays = ref(7)
 
 const onboardDialogVisible = ref(false)
 const submitting = ref(false)
@@ -29,13 +31,13 @@ const settlementSubmitting = ref(false)
 const settlementForm = reactive({
   site_id: 0,
   site_name: '',
-  settlement_hold_days: 7,
+  settlement_hold_days: defaultSettlementHoldDays.value,
 })
 
 function handleOpenSettlement(row: DistributionSite) {
   settlementForm.site_id = row.id
   settlementForm.site_name = row.site_name
-  settlementForm.settlement_hold_days = row.settlement_hold_days ?? 7
+  settlementForm.settlement_hold_days = row.settlement_hold_days ?? defaultSettlementHoldDays.value
   settlementDialogVisible.value = true
 }
 
@@ -63,7 +65,7 @@ const onboardForm = reactive({
   admin_password: '',
   admin_nickname: '',
   member_type: 'operator',
-  settlement_hold_days: 7,
+  settlement_hold_days: defaultSettlementHoldDays.value,
   display_account_enabled: true,
   tax_enabled: false,
   tax_rate_bps: 100,
@@ -102,7 +104,7 @@ function handleOpenOnboard() {
   onboardForm.admin_password = ''
   onboardForm.admin_nickname = ''
   onboardForm.member_type = 'operator'
-  onboardForm.settlement_hold_days = 7
+  onboardForm.settlement_hold_days = defaultSettlementHoldDays.value
   onboardForm.display_account_enabled = true
   onboardForm.tax_enabled = false
   onboardForm.tax_rate_bps = 100
@@ -171,6 +173,16 @@ async function handleSyncAccounts(row: DistributionSite) {
 
 onMounted(() => {
   loadSites()
+  fetchDistributionSiteDefaults()
+    .then(res => {
+      const days = res?.default_settlement_hold_days
+      if (typeof days === 'number' && days >= 0 && days <= 365) {
+        defaultSettlementHoldDays.value = days
+      }
+    })
+    .catch(() => {
+      // 拉取失败时保持内置默认值 7，不弹错误提示
+    })
 })
 </script>