diff --git a/internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go b/internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go
index 3cb9dc9..e19183e 100644
--- a/internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go
+++ b/internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go
@@ -3862,40 +3862,63 @@ func buildLeasingRiskAssessment(apiData map[string]interface{}, log *zap.Logger)
 				assessment[fieldNameNight] = fmt.Sprintf("%s/%s", idNightAllnum, cellNightAllnum)
 			}
 
-			// 判断风险标识：如果有申请记录，设置为高风险
-			hasApplication := false
-			for _, apiPeriod := range periodMap {
-				fieldName := fmt.Sprintf("alc_%s_id_allnum", apiPeriod)
-				// 尝试多种类型：string、int、float64
-				if allnum, ok := jrzq1d09Map[fieldName].(string); ok && allnum != "" && allnum != "0" {
-					hasApplication = true
-					break
-				} else if allnum, ok := jrzq1d09Map[fieldName].(int); ok && allnum > 0 {
-					hasApplication = true
-					break
-				} else if allnum, ok := jrzq1d09Map[fieldName].(float64); ok && allnum > 0 {
-					hasApplication = true
-					break
-				}
-				// 也检查cell字段
-				fieldNameCell := fmt.Sprintf("alc_%s_cell_allnum", apiPeriod)
-				if allnum, ok := jrzq1d09Map[fieldNameCell].(string); ok && allnum != "" && allnum != "0" {
-					hasApplication = true
-					break
-				} else if allnum, ok := jrzq1d09Map[fieldNameCell].(int); ok && allnum > 0 {
-					hasApplication = true
-					break
-				} else if allnum, ok := jrzq1d09Map[fieldNameCell].(float64); ok && allnum > 0 {
-					hasApplication = true
-					break
+			// 仅使用近12月（Last12，对应 m12）的总次数作为判断依据，
+			// 因为近3月等短周期已经被近12月统计包含，避免重复放大
+			totalCount := 0
+
+			idKey12 := "alc_m12_id_allnum"
+			cellKey12 := "alc_m12_cell_allnum"
+
+			// 身份证维度（近12月）
+			if v, ok := jrzq1d09Map[idKey12]; ok {
+				switch vv := v.(type) {
+				case string:
+					if vv != "" && vv != "0" {
+						if parsed, err := strconv.Atoi(vv); err == nil {
+							totalCount += parsed
+						}
+					}
+				case float64:
+					if vv > 0 {
+						totalCount += int(vv)
+					}
+				case int:
+					if vv > 0 {
+						totalCount += vv
+					}
 				}
 			}
-			// 风险标识：如果有申请记录，风险较高；如果没有申请记录，风险较低
-			// 注意：riskFlag的值：0=未查得，1=低风险，2=高风险
-			if hasApplication {
-				assessment["riskFlag"] = 2 // 有申请记录，风险较高
+
+			// 手机号维度（近12月）
+			if v, ok := jrzq1d09Map[cellKey12]; ok {
+				switch vv := v.(type) {
+				case string:
+					if vv != "" && vv != "0" {
+						if parsed, err := strconv.Atoi(vv); err == nil {
+							totalCount += parsed
+						}
+					}
+				case float64:
+					if vv > 0 {
+						totalCount += int(vv)
+					}
+				case int:
+					if vv > 0 {
+						totalCount += vv
+					}
+				}
+			}
+
+			// 根据近12月总申请次数设置风险标识：
+			// - totalCount == 0        -> 0 无风险 / 未查得
+			// - 0 < totalCount <= 10   -> 2 低风险（有少量租赁申请）
+			// - totalCount > 10        -> 1 高风险（租赁申请很多）
+			if totalCount == 0 {
+				assessment["riskFlag"] = 0
+			} else if totalCount <= 10 {
+				assessment["riskFlag"] = 2
 			} else {
-				assessment["riskFlag"] = 1 // 无申请记录，风险较低
+				assessment["riskFlag"] = 1
 			}
 		}
 	}
diff --git a/internal/infrastructure/external/zhicha/zhicha_test.go b/internal/infrastructure/external/zhicha/zhicha_test.go
index 6d58eb2..3ca5e50 100644
--- a/internal/infrastructure/external/zhicha/zhicha_test.go
+++ b/internal/infrastructure/external/zhicha/zhicha_test.go
@@ -84,20 +84,25 @@ func TestEncryptWithInvalidKey(t *testing.T) {
 }
 
 func TestDecryptWithInvalidData(t *testing.T) {
-	key := "1234567890abcdef1234567890abcdef"
+	key := "af4ca0098e6a202a5c08c413ebd9fd62"
 
 	// 测试无效的加密数据
 	invalidData := []string{
 		"",               // 空数据
 		"invalid_base64", // 无效的Base64
 		"dGVzdA==",       // 有效的Base64但不是AES加密数据
+		"ZmJIKRQz6j+IboulkSfq0g==",
+		"qBijvRmmm3bbLEdaCMw2XvHc8SDq3oGh6lD6BwELyhU=",
+		"ITtZBkPMZQ88UTHWJuWjSA==",
 	}
 
 	for _, data := range invalidData {
-		_, err := Decrypt(data, key)
+		decrypted, err := Decrypt(data, key)
 		if err == nil {
 			t.Errorf("使用无效数据 %s 应该返回错误", data)
 		}
+		fmt.Println("data: ", data)
+		fmt.Println("decrypted: ", decrypted)
 	}
 }