diff --git a/YLErpDAL/Modules/RiskEngine/Helper/RiskCalendarHelper.cs b/YLErpDAL/Modules/RiskEngine/Helper/RiskCalendarHelper.cs
index 07dee68c..8ea8d558 100644
--- a/YLErpDAL/Modules/RiskEngine/Helper/RiskCalendarHelper.cs
+++ b/YLErpDAL/Modules/RiskEngine/Helper/RiskCalendarHelper.cs
@@ -14,11 +14,33 @@ namespace YLErp.Modules.RiskEngine
     /// </summary>
     public static class RiskCalendarHelper
     {
+        private const string CalendarDateFormat = "yyyy,MM,dd";
+
+        /// <summary>
+        /// 日历数据异常直接影响平仓日期校验和上一交易日取数，单独使用固定 logger 名称便于线上按模块检索。
+        /// </summary>
+        private static readonly IYcLogger Logger = LogFactory.GetLogger("RiskCalendarHelper");
+
+        /// <summary>
+        /// calendar.HolidayJson 历史主格式是 yyyy,MM,dd；这里额外兼容常见日期格式，避免历史数据被静默当作交易日。
+        /// 解析后统一转成 DateTime.Date，后续交易日判断不再依赖原始字符串格式。
+        /// </summary>
+        private static readonly string[] SupportedCalendarDateFormats =
+        {
+            CalendarDateFormat,
+            "yyyy/MM/dd",
+            "yyyy-MM-dd",
+            "yyyyMMdd",
+            "yyyy-MM-ddTHH:mm:ss",
+            "yyyy-MM-ddTHH:mm:ssK",
+            "yyyy-MM-ddTHH:mm:ss.fffK"
+        };
+
         /// <summary>
         /// 按当前风控执行使用的数据库上下文保存日历缓存，同一次风控检查内复用，数据库上下文释放后不阻止缓存被回收。
         /// </summary>
-        private static readonly ConditionalWeakTable<YLContext, Dictionary<string, HashSet<string>>> HolidayCaches =
-            new ConditionalWeakTable<YLContext, Dictionary<string, HashSet<string>>>();
+        private static readonly ConditionalWeakTable<YLContext, Dictionary<string, HashSet<DateTime>>> HolidayCaches =
+            new ConditionalWeakTable<YLContext, Dictionary<string, HashSet<DateTime>>>();
 
         /// <summary>
         /// 获取指定日期的上一银行间交易日。
@@ -48,8 +70,7 @@ namespace YLErp.Modules.RiskEngine
 
             var holidayCache = HolidayCaches.GetOrCreateValue(dbContext);
             var holidays = GetHolidays(dbContext, date.Year, "IB", "银行间", holidayCache);
-            var dateText = date.Date.ToString("yyyy,MM,dd", CultureInfo.InvariantCulture);
-            return !holidays.Contains(dateText);
+            return !holidays.Contains(date.Date);
         }
 
         public static DateTime GetPreviousExchangeTradingDay(YLContext dbContext, DateTime date)
@@ -70,10 +91,9 @@ namespace YLErp.Modules.RiskEngine
             for (var i = 0; i < 370; i++)
             {
                 var holidays = GetHolidays(dbContext, currentDate.Year, country, calendarName, holidayCache);
-                var currentDateText = currentDate.ToString("yyyy,MM,dd", CultureInfo.InvariantCulture);
 
                 // calendar.HolidayJson 存的是非交易日；不在非交易日集合内，即认为是对应市场的交易日。
-                if (!holidays.Contains(currentDateText))
+                if (!holidays.Contains(currentDate))
                     return currentDate;
 
                 currentDate = currentDate.AddDays(-1);
@@ -83,32 +103,51 @@ namespace YLErp.Modules.RiskEngine
         }
 
         /// <summary>
-        /// 获取指定年份的银行间非交易日集合。
+        /// 获取指定年份的非交易日集合。
         /// </summary>
         /// <param name="dbContext">当前风控执行使用的数据库上下文。</param>
         /// <param name="year">日历年份。</param>
         /// <param name="holidayCache">单次风控检查内按市场和年份共享的非交易日缓存。</param>
-        /// <returns>格式为 yyyy,MM,dd 的非交易日集合。</returns>
-        private static HashSet<string> GetHolidays(YLContext dbContext, int year, string country, string calendarName, Dictionary<string, HashSet<string>> holidayCache)
+        /// <returns>按 Date 归一化后的非交易日集合。</returns>
+        private static HashSet<DateTime> GetHolidays(YLContext dbContext, int year, string country, string calendarName, Dictionary<string, HashSet<DateTime>> holidayCache)
         {
-            // 缓存需要同时区分市场和年份，避免银行间与交易所同一年日历相互串用。
-            var cacheKey = $"{country.ToUpperInvariant()}:{year}";
+            var normalizedCountry = NormalizeCountry(country);
+            var cacheKey = $"{normalizedCountry}:{year}";
             if (holidayCache.TryGetValue(cacheKey, out var holidays))
                 return holidays;
 
-            // 在数据库端同时按年份和市场代码筛选，避免加载同一年份的其他市场日历。
-            var normalizedCountry = country.ToUpperInvariant();
-            var calendar = dbContext.calendar.FirstOrDefault(c =>
-                c.Year == year
-                && (c.ValidState == null || c.ValidState != ConsGlobal.InValid)
-                && c.Country != null
-                && c.Country.ToUpper() == normalizedCountry);
+            // 先按年份和有效状态缩小范围，再在内存里做 Trim + ToUpperInvariant 匹配，兼容历史 Country 存在大小写或前后空格的情况。
+            // 这里没有在数据库查询里直接 Trim，是为了避免不同 EF/数据库提供方对字符串函数翻译不一致。
+            var validCalendars = dbContext.calendar
+                .Where(c => c.Year == year
+                    && (c.ValidState == null || c.ValidState != ConsGlobal.InValid)
+                    && c.Country != null)
+                .ToList();
+            var matchedCalendars = validCalendars.Where(c => NormalizeCountry(c.Country) == normalizedCountry).ToList();
+            var calendar = matchedCalendars.FirstOrDefault();
 
             if (calendar == null)
-                throw new Exception($"未找到{year}年{calendarName}日历");
+            {
+                var availableCountries = string.Join(",", validCalendars.Select(c => c.Country?.Trim()).Where(c => !string.IsNullOrWhiteSpace(c)).Distinct());
+                Logger.Error($"[风控日历] 未找到目标市场日历 - Year:{year}, CalendarName:{calendarName}, Country:{normalizedCountry}, AvailableCountries:{availableCountries}");
+                throw new Exception($"未找到{year}年{calendarName}日历，Country={normalizedCountry}，当前可用日历：{availableCountries}");
+            }
+            if (matchedCalendars.Count > 1)
+            {
+                // 多条匹配不改变原有“取第一条”的行为，只记录数据质量问题，避免线上突然因历史重复配置中断风控。
+                Logger.Info($"[风控日历] 同一年存在多个匹配市场日历，使用第一条 - Year:{year}, CalendarName:{calendarName}, Country:{normalizedCountry}, MatchedIds:{string.Join(",", matchedCalendars.Select(c => c.id))}");
+            }
+            if (!string.Equals(calendar.Country, normalizedCountry, StringComparison.Ordinal))
+            {
+                // Country 能通过归一化匹配说明历史数据存在大小写或空格差异，只在日历首次加载时记录一次，便于后续清洗数据。
+                Logger.Info($"[风控日历] 日历Country已归一化匹配 - Year:{year}, CalendarName:{calendarName}, RawCountry:{calendar.Country}, NormalizedCountry:{normalizedCountry}, CalendarId:{calendar.id}");
+            }
 
             if (string.IsNullOrWhiteSpace(calendar.HolidayJson))
+            {
+                Logger.Error($"[风控日历] HolidayJson为空 - Year:{year}, CalendarName:{calendarName}, Country:{normalizedCountry}, CalendarId:{calendar.id}");
                 throw new Exception($"{year}年{calendarName}日历HolidayJson为空");
+            }
 
             List<string> holidayList;
             try
@@ -117,12 +156,70 @@ namespace YLErp.Modules.RiskEngine
             }
             catch (Exception ex)
             {
+                Logger.Error($"[风控日历] HolidayJson解析失败 - Year:{year}, CalendarName:{calendarName}, Country:{normalizedCountry}, CalendarId:{calendar.id}, Error:{ex.Message}");
                 throw new Exception($"{year}年{calendarName}日历HolidayJson解析失败", ex);
             }
 
-            holidays = new HashSet<string>(holidayList ?? new List<string>());
+            // 日历解析和日志统计只在缓存未命中时执行；同一次风控检查内重复判断交易日不会重复解析 HolidayJson。
+            holidays = NormalizeHolidays(holidayList, year, calendarName, normalizedCountry, calendar.id);
             holidayCache[cacheKey] = holidays;
             return holidays;
         }
+
+        private static string NormalizeCountry(string country)
+        {
+            return (country ?? string.Empty).Trim().ToUpperInvariant();
+        }
+
+        private static HashSet<DateTime> NormalizeHolidays(IEnumerable<string> holidayList, int year, string calendarName, string normalizedCountry, int calendarId)
+        {
+            var holidays = new HashSet<DateTime>();
+            var formatCounts = new Dictionary<string, int>();
+            var rawCount = 0;
+            var blankCount = 0;
+            var duplicateCount = 0;
+            foreach (var holidayText in holidayList ?? Enumerable.Empty<string>())
+            {
+                rawCount++;
+                if (string.IsNullOrWhiteSpace(holidayText))
+                {
+                    blankCount++;
+                    continue;
+                }
+
+                // 每条原始日期只在缓存加载阶段解析一次；正常数据只累计格式分布，避免大量节假日逐条写日志。
+                var holidayDate = ParseHolidayDate(holidayText, year, calendarName, normalizedCountry, calendarId, out var matchedFormat);
+                if (!holidays.Add(holidayDate))
+                {
+                    duplicateCount++;
+                }
+                formatCounts[matchedFormat] = formatCounts.TryGetValue(matchedFormat, out var count) ? count + 1 : 1;
+            }
+            Logger.Info($"[风控日历] HolidayJson日期归一化完成 - Year:{year}, CalendarName:{calendarName}, Country:{normalizedCountry}, CalendarId:{calendarId}, RawCount:{rawCount}, HolidayCount:{holidays.Count}, BlankCount:{blankCount}, DuplicateCount:{duplicateCount}, Formats:{string.Join(",", formatCounts.Select(item => item.Key + ":" + item.Value))}");
+            return holidays;
+        }
+
+        private static DateTime ParseHolidayDate(string holidayText, int year, string calendarName, string normalizedCountry, int calendarId, out string matchedFormat)
+        {
+            var normalizedHolidayText = holidayText.Trim();
+            foreach (var format in SupportedCalendarDateFormats)
+            {
+                if (DateTime.TryParseExact(normalizedHolidayText, format, CultureInfo.InvariantCulture, DateTimeStyles.AllowWhiteSpaces, out var holidayDate))
+                {
+                    matchedFormat = format;
+                    return holidayDate.Date;
+                }
+            }
+
+            // 支持带时区的历史数据；最终取日期部分用于非交易日集合匹配，避免字符串格式差异导致静默漏判。
+            if (DateTimeOffset.TryParse(normalizedHolidayText, CultureInfo.InvariantCulture, DateTimeStyles.AllowWhiteSpaces, out var holidayDateOffset))
+            {
+                matchedFormat = "DateTimeOffset.TryParse";
+                return holidayDateOffset.Date;
+            }
+
+            Logger.Error($"[风控日历] HolidayJson日期格式无法识别 - Year:{year}, CalendarName:{calendarName}, Country:{normalizedCountry}, CalendarId:{calendarId}, RawValue:{holidayText}");
+            throw new Exception($"{year}年{calendarName}日历HolidayJson存在无法识别的日期格式：{holidayText}");
+        }
     }
 }