diff --git a/backend/app/api/pl/plan.py b/backend/app/api/pl/plan.py
index 99d5ecb3b..898305028 100644
--- a/backend/app/api/pl/plan.py
+++ b/backend/app/api/pl/plan.py
@@ -3807,7 +3807,7 @@ def archive_plan(
     db.flush()
     result = get_plan(id, db, user)
     if not quota_settled:
-        result.quota_settlement_error = read_quota_settlement_error(db, tenant_no, plan.id)
+        result.quota_settlement_error = read_quota_settlement_error(db, tenant_no, plan.id, plan=plan)
     return result
 
 
diff --git a/backend/app/services/pl_quota_business.py b/backend/app/services/pl_quota_business.py
index c1b7fb8e2..d6818961f 100644
--- a/backend/app/services/pl_quota_business.py
+++ b/backend/app/services/pl_quota_business.py
@@ -171,26 +171,40 @@ def settle_plan_quota(db, user, plan, payload, *, adjustment=False):
     except ArchiveQuotaBlocked as exc:
         raise HTTPException(409, str(exc)) from exc
     except (HTTPException, ValueError, AllocationIncomplete) as exc:
+        message = str(getattr(exc, 'detail', exc))
+        # 无用量行（如证书齐备仅放行安排）时仍保留原因，供同请求读回。
+        setattr(plan, '_quota_settlement_error', message)
         rows = db.query(PlPlanCertUsage).filter_by(tenant_no=user.tenant_no, plan_id=plan.id, del_flag=0).all()
         for row in rows:
             if not adjustment:
                 row.usage_status = 'exception'
             row.confirmation_snapshot = {**(row.confirmation_snapshot or {}), 'executed': True,
-                                         'settlementError': str(getattr(exc, 'detail', exc))}
+                                         'settlementError': message}
             row.update_by = user.id
         if not adjustment:
             plan.archive_status = 'exception'
         return False
 
 
-def read_quota_settlement_error(db, tenant_no, plan_id):
+def read_quota_settlement_error(db, tenant_no, plan_id, plan=None):
     """结转失败时返回已经写在用量快照上的原因。"""
+    from app.models.pl_models import PlPlan
     from app.models.pl_quota_models import PlPlanCertUsage
+
+    if plan is not None:
+        cached = getattr(plan, '_quota_settlement_error', None)
+        if isinstance(cached, str) and cached.strip():
+            return cached.strip()
     rows = db.query(PlPlanCertUsage).filter_by(tenant_no=tenant_no, plan_id=plan_id, del_flag=0).all()
     for row in rows:
         message = (row.confirmation_snapshot or {}).get('settlementError')
         if isinstance(message, str) and message.strip():
             return message.strip()
+    target = plan
+    if target is None:
+        target = db.query(PlPlan).filter_by(id=plan_id, tenant_no=tenant_no, del_flag=0).first()
+    if target is not None and int(getattr(target, 'quota_cert_pending_fulfill', 0) or 0) == 1:
+        return '该计划仍处于证书齐备待完善，请先在证书齐备中完善并关闭后再归档'
     return '实际数量已保存，证件没有扣减。请把实际数量改小，或先补充购买证和运输证，再重新归档。'
 
 
diff --git a/backend/tests/test_pl_customer_cert_quota.py b/backend/tests/test_pl_customer_cert_quota.py
index f7365d268..74a763df3 100644
--- a/backend/tests/test_pl_customer_cert_quota.py
+++ b/backend/tests/test_pl_customer_cert_quota.py
@@ -61,6 +61,47 @@ def test_apply_plan_quota_new_rule_waive_skips_reserve_not_settle(monkeypatch):
     assert '待完善' in str(exc.value.detail)
 
 
+def test_settle_pending_fulfill_without_usage_rows_keeps_pending_message(monkeypatch):
+    """证书齐备待完善且无用量行时，归档结转错误不能回落成通用扣减文案。"""
+    from contextlib import nullcontext
+
+    from app.services import pl_quota_business as biz
+    from fastapi import HTTPException
+
+    plan = SimpleNamespace(
+        id='p1',
+        quota_cert_waived=1,
+        quota_cert_pending_fulfill=1,
+        cert_quota_rule_version='customer_category',
+        cert_configuration={},
+        archive_status='none',
+    )
+    user = SimpleNamespace(id='u', tenant_no='t')
+    pending = '该计划仍处于证书齐备待完善，请先在证书齐备中完善并关闭后再归档'
+
+    class _Query:
+        def filter_by(self, **kwargs):
+            return self
+
+        def all(self):
+            return []
+
+    db = MagicMock()
+    db.query.return_value = _Query()
+    db.flush = MagicMock()
+    db.begin_nested = MagicMock(return_value=nullcontext())
+
+    def boom(*_a, **_k):
+        raise HTTPException(409, pending)
+
+    monkeypatch.setattr(biz, 'apply_plan_quota', boom)
+
+    assert biz.settle_plan_quota(db, user, plan, None) is False
+    message = biz.read_quota_settlement_error(db, 't', 'p1', plan=plan)
+    assert '待完善' in message
+    assert '证件没有扣减' not in message
+
+
 def test_list_certs_default_excludes_closed_void(monkeypatch):
     from app.services import pl_quota_cert_service as svc
 
diff --git a/web-admin/scripts/archive-quota-block-dialog.test.ts b/web-admin/scripts/archive-quota-block-dialog.test.ts
new file mode 100644
index 000000000..c2d50f1ad
--- /dev/null
+++ b/web-admin/scripts/archive-quota-block-dialog.test.ts
@@ -0,0 +1,47 @@
+import assert from 'node:assert/strict'
+import test from 'node:test'
+import { resolveArchiveQuotaBlockMode } from '../src/utils/pl-archive-quota-block'
+
+test('pending fulfill plan only alerts, no certificate-ready confirm', () => {
+  assert.equal(
+    resolveArchiveQuotaBlockMode(
+      '实际数量已保存，证件没有扣减。请把实际数量改小，或先补充购买证和运输证，再重新归档。',
+      '用证没有完成',
+      { quotaCertPendingFulfill: 1, quotaCertWaived: 1 }
+    ),
+    'alert-pending'
+  )
+})
+
+test('already waived plan does not offer archive-time certificate ready', () => {
+  assert.equal(
+    resolveArchiveQuotaBlockMode('余额不足', '用证没有完成', { quotaCertWaived: 1 }),
+    'alert-pending'
+  )
+})
+
+test('pending keywords still force alert mode without plan flags', () => {
+  assert.equal(
+    resolveArchiveQuotaBlockMode(
+      '该计划仍处于证书齐备待完善，请先在证书齐备中完善并关闭后再归档',
+      '用证没有完成',
+      {}
+    ),
+    'alert-pending'
+  )
+})
+
+test('unmarked legacy quota block still offers certificate ready', () => {
+  assert.equal(
+    resolveArchiveQuotaBlockMode(
+      '实际数量已保存，证件没有扣减。请把实际数量改小，或先补充购买证和运输证，再重新归档。',
+      '用证没有完成',
+      { quotaCertPendingFulfill: 0, quotaCertWaived: 0 }
+    ),
+    'confirm-ready'
+  )
+})
+
+test('non quota-title blocks stay plain alert', () => {
+  assert.equal(resolveArchiveQuotaBlockMode('不能归档：缺证', '不能归档', {}), 'alert-plain')
+})
diff --git a/web-admin/src/api/pl/index.ts b/web-admin/src/api/pl/index.ts
index edce7d8ed..bd5ac1387 100644
--- a/web-admin/src/api/pl/index.ts
+++ b/web-admin/src/api/pl/index.ts
@@ -624,6 +624,13 @@ export interface Plan {
   hazardCertReady?: number
   hazardCertReadyBy?: string
   hazardCertReadyTime?: string
+  /** 证书齐备：新规则仅放行安排 */
+  quotaCertWaived?: number
+  quotaCertWaivedBy?: string
+  quotaCertWaivedByName?: string
+  quotaCertWaivedTime?: string
+  /** 新规则证书齐备待完善 */
+  quotaCertPendingFulfill?: number
   erpEntered?: number
   remark?: string
   createBy?: string
diff --git a/web-admin/src/components/business/pl-plan-archive-dialog/index.vue b/web-admin/src/components/business/pl-plan-archive-dialog/index.vue
index d5f326bed..948d410e5 100644
--- a/web-admin/src/components/business/pl-plan-archive-dialog/index.vue
+++ b/web-admin/src/components/business/pl-plan-archive-dialog/index.vue
@@ -299,6 +299,7 @@
     extractArchiveLineOverageDetail,
     showArchiveLineOverageConfirm
   } from '@/utils/pl-contract-qty-reminder'
+  import { resolveArchiveQuotaBlockMode } from '@/utils/pl-archive-quota-block'
 
   const props = defineProps<{
     visible: boolean
@@ -1602,12 +1603,12 @@
 
   async function showArchiveQuotaBlockDialog(message: string, title = '不能归档') {
     const html = `<p class="pl-arrange-block-text">${escapeArchiveBlockText(message)}</p>`
-    const pendingFulfill =
-      message.includes('待完善') || message.includes('完善并关闭') || message.includes('证书齐备待完善')
-    if (title !== '用证没有完成' || pendingFulfill) {
-      const guide = pendingFulfill
-        ? `${html}<p class="pl-arrange-block-text">新规则下证书齐备只放行安排，不能绕过归档挂证。请到「证书齐备 → 已标记待完善证书」上传证件并执行完善并关闭后再归档。</p>`
-        : html
+    const mode = resolveArchiveQuotaBlockMode(message, title, plan.value)
+    if (mode !== 'confirm-ready') {
+      const guide =
+        mode === 'alert-pending'
+          ? `${html}<p class="pl-arrange-block-text">该运输计划已走证书齐备，归档前须完善证件。请到「证书齐备 → 已标记待完善证书」上传购买证/运输证并执行完善并关闭后再归档。</p>`
+          : html
       await ElMessageBox.alert(guide, title, {
         type: 'warning',
         confirmButtonText: '知道了',
diff --git a/web-admin/src/utils/pl-archive-quota-block.ts b/web-admin/src/utils/pl-archive-quota-block.ts
new file mode 100644
index 000000000..1ddbc2ff3
--- /dev/null
+++ b/web-admin/src/utils/pl-archive-quota-block.ts
@@ -0,0 +1,27 @@
+/** 归档用证拦截弹窗：已齐备/待完善只提醒，未齐备旧规则才可再点证书齐备。 */
+
+export type ArchiveQuotaBlockMode = 'alert-pending' | 'alert-plain' | 'confirm-ready'
+
+export type ArchiveQuotaBlockPlanFlags = {
+  quotaCertPendingFulfill?: number | boolean | null
+  quotaCertWaived?: number | boolean | null
+}
+
+function flagOn(value: number | boolean | null | undefined) {
+  return value === true || Number(value || 0) === 1
+}
+
+export function resolveArchiveQuotaBlockMode(
+  message: string,
+  title: string,
+  plan?: ArchiveQuotaBlockPlanFlags | null
+): ArchiveQuotaBlockMode {
+  const pendingByMessage =
+    message.includes('待完善') ||
+    message.includes('完善并关闭') ||
+    message.includes('证书齐备待完善')
+  const pendingByPlan = flagOn(plan?.quotaCertPendingFulfill) || flagOn(plan?.quotaCertWaived)
+  if (title !== '用证没有完成') return 'alert-plain'
+  if (pendingByPlan || pendingByMessage) return 'alert-pending'
+  return 'confirm-ready'
+}