diff --git a/apps/backend/src/services/cost-center/manual-fulfillment-config-service.ts b/apps/backend/src/services/cost-center/manual-fulfillment-config-service.ts
index d59432b0..96e2712e 100644
--- a/apps/backend/src/services/cost-center/manual-fulfillment-config-service.ts
+++ b/apps/backend/src/services/cost-center/manual-fulfillment-config-service.ts
@@ -787,7 +787,7 @@ export async function rematchManualFulfillments(input: Record<string, unknown> =
 }
 
 /**
- * 为已配置的人工 SKU 生成/刷新成本版本（按 1 积分 = 1 分钱换算）。
+ * 为已配置的人工 SKU 生成/刷新固定成本版本（按各平台积分换算率折算）。
  *
  * 成本版本是「成本金额」的唯一真源；积分消耗量记在配置里，
  * 两者按固定换算率保持一致。
@@ -809,7 +809,7 @@ async function attachCostVersionsForManualConfigs() {
       SELECT
         $1, 'product', '', '', cfg.canonical_product_id, NULL,
         ROUND(cfg.credit_quantity * (fp.config_json->>'rechargeUnitPriceFen')::bigint, 0)::bigint,
-        '1970-01-01T00:00:00+08:00', 'manual', 'active',
+        0, '1970-01-01T00:00:00+08:00', 'manual', 'active',
         '人工履约配置：积分按平台换算率折算',
         NOW(), NOW()
       FROM manual_fulfillment_configs cfg
diff --git a/apps/backend/src/services/finance/manual-fulfillment-integrity.test.ts b/apps/backend/src/services/finance/manual-fulfillment-integrity.test.ts
index 452cddfe..0d3574cb 100644
--- a/apps/backend/src/services/finance/manual-fulfillment-integrity.test.ts
+++ b/apps/backend/src/services/finance/manual-fulfillment-integrity.test.ts
@@ -118,6 +118,11 @@ test('人工确认前必须自动匹配履约配置，配置保存/定时任务
     configSource.includes('manual_sku_key'),
     '人工 SKU 匹配必须统一走 order_items.manual_sku_key 生成列',
   )
+  assert.ok(
+    configSource.includes('amount_fen, rate_bps') &&
+      configSource.includes("0, '1970-01-01T00:00:00+08:00', 'manual', 'active'"),
+    '人工履约固定成本版本必须同时写入 amount_fen 和 rate_bps，避免保存成功但后处理报错',
+  )
   assert.ok(
     migrationSource.includes("spec_json->>'skuNick'") &&
       migrationSource.includes("spec_json->>'outSkuSn'") &&