diff --git a/YLErpDAL/Modules/RiskEngine/RiskEngineService.cs b/YLErpDAL/Modules/RiskEngine/RiskEngineService.cs
index 1d4ef0f0..21949423 100644
--- a/YLErpDAL/Modules/RiskEngine/RiskEngineService.cs
+++ b/YLErpDAL/Modules/RiskEngine/RiskEngineService.cs
@@ -393,6 +393,35 @@ namespace YLErp.Modules.RiskEngine
 
                 _logger.Info($"[风控引擎] 匹配 TriggerPoint 的应用数: {matchedApplications.Count}");
 
+                // 汇总本次实际命中应用关联的结构化规则，变量定义只在本次检查开始时批量查询一次。
+                // 同一规则可能被多个应用引用，先对规则 ID 去重，避免重复处理规则定义。
+                var matchedRuleIds = matchedApplications
+                    .SelectMany(application => ParseRuleIds(application.RuleIds))
+                    .Distinct();
+                // 只保留当前规则缓存中存在的规则，配置中无效或已删除的规则 ID 仍由后续原有流程记录日志并跳过。
+                var matchedRules = matchedRuleIds
+                    .Where(ruleMap.ContainsKey)
+                    .Select(ruleId => ruleMap[ruleId]);
+                // 自由文本规则不依赖变量定义；条件缓存为空的结构化规则继续在执行阶段按原逻辑报错。
+                var structuredRules = matchedRules
+                    .Where(rule => rule.Status == RiskRuleStatus.Active)
+                    .Where(rule => !string.IsNullOrWhiteSpace(rule.ConditionJson))
+                    .Where(rule => rule.ParsedConditions != null && rule.ParsedConditions.Count > 0);
+                // 条件中的主变量和变量阈值都需要加载，多条规则引用同一变量时只保留一个 ID。
+                var requiredVariableIds = structuredRules
+                    .SelectMany(rule => RuleConditionExpressionBuilder.GetReferencedVariableIds(rule.ParsedConditions))
+                    .Distinct()
+                    .ToList();
+
+                if (requiredVariableIds.Any())
+                {
+                    // 仅加载本次检查需要的变量，避免按规则逐次查询，也避免读取整个变量池。
+                    variables = ruleDbContext.glms_risk_variable
+                        .AsNoTracking()
+                        .Where(variable => requiredVariableIds.Contains(variable.id))
+                        .ToDictionary(variable => (long)variable.id);
+                }
+
                 // ============================================================
                 // Step 3: 遍历匹配的应用，通过 RuleIds 关联规则并执行预编译委托
                 // ============================================================
@@ -444,19 +473,6 @@ namespace YLErp.Modules.RiskEngine
                                     throw new InvalidOperationException("结构化规则条件缓存为空");
 
                                 var referencedVariableIds = RuleConditionExpressionBuilder.GetReferencedVariableIds(conditions);
-                                var missingVariableIds = referencedVariableIds
-                                    .Where(id => !variables.ContainsKey(id))
-                                    .ToList();
-                                if (missingVariableIds.Any())
-                                {
-                                    // 按本次结构化规则实际引用的变量懒加载，避免每次风控检查全量读取变量池。
-                                    var loadedVariables = ruleDbContext.glms_risk_variable
-                                        .AsNoTracking()
-                                        .Where(v => missingVariableIds.Contains(v.id))
-                                        .ToDictionary(v => v.id);
-                                    foreach (var variable in loadedVariables)
-                                        variables[variable.Key] = variable.Value;
-                                }
 
                                 var ruleVariables = referencedVariableIds
                                     .Where(variables.ContainsKey)