diff --git a/internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go b/internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go
index e19183e..e68d878 100644
--- a/internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go
+++ b/internal/domains/api/services/processors/dwbg/dwbg8b4d_processor.go
@@ -3862,29 +3862,32 @@ func buildLeasingRiskAssessment(apiData map[string]interface{}, log *zap.Logger)
 				assessment[fieldNameNight] = fmt.Sprintf("%s/%s", idNightAllnum, cellNightAllnum)
 			}
 
-			// 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
+			// 仅使用近12月（Last12，对应 m12）的次数作为判断依据，
+			// totalCount 取身份证维度和手机号维度中的较大值，而不是两者相加
 			totalCount := 0
 
 			idKey12 := "alc_m12_id_allnum"
 			cellKey12 := "alc_m12_cell_allnum"
 
+			idCount := 0
+			cellCount := 0
+
 			// 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
+							idCount = parsed
 						}
 					}
 				case float64:
 					if vv > 0 {
-						totalCount += int(vv)
+						idCount = int(vv)
 					}
 				case int:
 					if vv > 0 {
-						totalCount += vv
+						idCount = vv
 					}
 				}
 			}
@@ -3895,20 +3898,27 @@ func buildLeasingRiskAssessment(apiData map[string]interface{}, log *zap.Logger)
 				case string:
 					if vv != "" && vv != "0" {
 						if parsed, err := strconv.Atoi(vv); err == nil {
-							totalCount += parsed
+							cellCount = parsed
 						}
 					}
 				case float64:
 					if vv > 0 {
-						totalCount += int(vv)
+						cellCount = int(vv)
 					}
 				case int:
 					if vv > 0 {
-						totalCount += vv
+						cellCount = vv
 					}
 				}
 			}
 
+			// 使用身份证和手机号两个维度中的较大值作为近12月总次数
+			if idCount >= cellCount {
+				totalCount = idCount
+			} else {
+				totalCount = cellCount
+			}
+
 			// 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）