diff --git a/apps/admin-web/src/pages/WineryBillsPage.tsx b/apps/admin-web/src/pages/WineryBillsPage.tsx
index a28c4e4..e539176 100644
--- a/apps/admin-web/src/pages/WineryBillsPage.tsx
+++ b/apps/admin-web/src/pages/WineryBillsPage.tsx
@@ -258,7 +258,7 @@ export default function WineryBillsPage() {
             酒厂对账单
           </Typography.Title>
           <Typography.Text type="secondary">
-            每日 8:00 汇总昨日已付订单（实付 × {ratePct}%）；未打款红色、已打款绿色，可展开订单明细
+            T+3：每日 8:00 汇总 3 天前（自然日）已完成的同城/跨城订单（实付 × {ratePct}%）；未打款红色、已打款绿色，可展开订单明细
           </Typography.Text>
         </Space>
         {canEditWineryBank ? (
diff --git a/packages/shared-types/src/settlement.ts b/packages/shared-types/src/settlement.ts
index cec8b7b..cfa2b93 100644
--- a/packages/shared-types/src/settlement.ts
+++ b/packages/shared-types/src/settlement.ts
@@ -183,7 +183,7 @@ export const STORE_SETTLEMENT_DEFAULT_RATE = 0.6;
 /** 酒厂账单结算比例（酒单实付 × 比例），暂定 30% */
 export const WINERY_SETTLEMENT_RATE = 0.3;
 
-/** 酒厂账单出账滞后自然日（T+3：支付日 + 3 天后纳入账单） */
+/** 酒厂账单出账滞后自然日（T+3：订单完成日 + 3 天后纳入账单） */
 export const WINERY_SETTLEMENT_LAG_DAYS = 3;
 
 export type { LogisticsSettlementMethod } from './enums';
diff --git a/server/dukang-api/src/jobs/settlement.scheduler.ts b/server/dukang-api/src/jobs/settlement.scheduler.ts
index 03aa0f6..727f678 100644
--- a/server/dukang-api/src/jobs/settlement.scheduler.ts
+++ b/server/dukang-api/src/jobs/settlement.scheduler.ts
@@ -5,7 +5,7 @@ import { AlertService } from '../common/alert/alert.service';
 
 /**
  * 财务对账单定时任务（Asia/Shanghai）
- * - 每日 08:00：酒厂日账单 + 门店日账单（统计昨日 00:00～今日 00:00）
+ * - 每日 08:00：酒厂日账单（T+3：3 天前已完成订单）+ 门店日账单（昨日核销）
  * - 每月 1 日 08:00：合伙人上一自然月账单 + 物流承运商上一自然月对账
  * - 工作日 18:05：门店提现 T+0 审完预警（FIN-003）
  */
diff --git a/server/dukang-api/src/modules/settlement/settlement.service.ts b/server/dukang-api/src/modules/settlement/settlement.service.ts
index db00ca3..eace40d 100644
--- a/server/dukang-api/src/modules/settlement/settlement.service.ts
+++ b/server/dukang-api/src/modules/settlement/settlement.service.ts
@@ -1581,13 +1581,15 @@ export class SettlementService {
       return { billDate: billDate.toISOString().slice(0, 10), skipped: true, reason: '已打款' };
     }
 
+    // T+3：纳入「账单日」当天完成的同城/跨城订单（完成日 = 今天 − lagDays）
     const orders = await this.prisma.order.findMany({
       where: {
+        status: 'COMPLETED',
         payStatus: 'PAID',
         deliveryType: { in: ['LOCAL', 'CROSS_CITY'] },
-        paidAt: { gte: start, lt: end },
+        completedAt: { gte: start, lt: end },
       },
-      orderBy: { paidAt: 'asc' },
+      orderBy: { completedAt: 'asc' },
     });
 
     if (orders.length === 0 && !existing) {
@@ -1633,7 +1635,8 @@ export class SettlementService {
             deliveryType: o.deliveryType,
             payAmount: o.payAmount,
             wineryAmount: round2(Number(o.payAmount) * rate),
-            paidAt: o.paidAt!,
+            // 明细仍保留支付时间；账期窗口按 completedAt 归属
+            paidAt: o.paidAt ?? o.completedAt!,
           })),
         });
       }