diff --git a/YLErpDAL/Modules/RiskModule/QuotaMonitorService.cs b/YLErpDAL/Modules/RiskModule/QuotaMonitorService.cs
index 0b05ceee..41b62b1b 100644
--- a/YLErpDAL/Modules/RiskModule/QuotaMonitorService.cs
+++ b/YLErpDAL/Modules/RiskModule/QuotaMonitorService.cs
@@ -4929,6 +4929,22 @@ namespace YLErp.Modules.RiskModule
             return result;
         }
 
+        /// <summary>
+        /// 按 quotaTrial.id 校验试算结果是否已超过配置时效
+        /// </summary>
+        /// <param name="trialDataId">quotaTrial.id</param>
+        /// <param name="expireSeconds">有效时长(秒)</param>
+        /// <returns>查不到记录或已超时返回 true，否则返回 false</returns>
+        public bool IsQuotaTrialExpired(int trialDataId, int expireSeconds)
+        {
+            var quotaTrial = QueryQuotaTrial(trialDataId);
+            if (quotaTrial == null || !quotaTrial.OptDate.HasValue)
+            {
+                return true;
+            }
+            return DateTime.Now - quotaTrial.OptDate.Value > TimeSpan.FromSeconds(expireSeconds);
+        }
+
         /// <summary>
         /// 查询试算历史
         /// </summary>
diff --git a/YLErpDAL/Modules/RiskModule/TradeRiskCheckLogService.cs b/YLErpDAL/Modules/RiskModule/TradeRiskCheckLogService.cs
index a5d508d8..96d6303e 100644
--- a/YLErpDAL/Modules/RiskModule/TradeRiskCheckLogService.cs
+++ b/YLErpDAL/Modules/RiskModule/TradeRiskCheckLogService.cs
@@ -149,6 +149,26 @@ namespace YLErp.Modules.RiskModule
             DbContext.SaveChanges();
         }
 
+        /// <summary>
+        /// 查询指定交易最近一次新风控“确认通过”的处理时间，用于控制二次审批放行仅在短时间内有效。
+        /// </summary>
+        public DateTime? QueryLatestRiskWarningDecisionTime(int tradeId)
+        {
+            var tradeNumber = DbContext.trade.Where(x => x.id == tradeId).Select(x => x.TradeNumber).FirstOrDefault();
+            if (string.IsNullOrWhiteSpace(tradeNumber))
+            {
+                return null;
+            }
+
+            return DbContext.trade_risk_check_log
+                .Where(x => x.trade_number == tradeNumber
+                    && x.trial_result == (int)QuotaTrialStatusEnum.RiskWarning
+                    && x.remark.Contains("风控预警处理结果：确认通过"))
+                .OrderByDescending(x => x.create_time)
+                .Select(x => (DateTime?)x.create_time)
+                .FirstOrDefault();
+        }
+
         public void AddWarningDecisionLog(int quotaTrialId, string decision)
         {
             var quotaTrial = DbContext.quotaTrial.FirstOrDefault(x => x.id == quotaTrialId);
diff --git a/YLErpWeb/Controllers/tradeController.cs b/YLErpWeb/Controllers/tradeController.cs
index 98a3d539..34c01daa 100644
--- a/YLErpWeb/Controllers/tradeController.cs
+++ b/YLErpWeb/Controllers/tradeController.cs
@@ -2447,7 +2447,8 @@ namespace YLErp.Web.Controllers
         }
 
 
-        public JsonResult tradeConfirm(string tradeids, string additionalProcessing, string ignoreRiskRuleIds, bool isSkipCheck = false)
+        // trialDataId: 二次确认时回传的 quotaTrial.id，用于超时校验；首次确认不传，为 null 时不做超时判断
+        public JsonResult tradeConfirm(string tradeids, string additionalProcessing, string ignoreRiskRuleIds, int? trialDataId, bool isSkipCheck = false)
         {
             var tradeidArr = DataConvert.ConvertCommaValuesToInt32Array(tradeids);
             if (tradeids is null || !tradeids.Any(n => n > 0))
@@ -2455,9 +2456,35 @@ namespace YLErp.Web.Controllers
                 return JsonError("请至少选择一项要生成确认书的交易,参数tradeids:" + tradeids);
             }
             var config = valuedateBLL.SystemDate;
+            var riskWarningConfirmExpireSeconds = 300;
+            var riskWarningConfirmExpireSecondsConfig = AppManager.GetAppConfigValue("ProjectConfig", "Trade.RiskWarningConfirmExpireSeconds");
+            if (!string.IsNullOrWhiteSpace(riskWarningConfirmExpireSecondsConfig)
+                && int.TryParse(riskWarningConfirmExpireSecondsConfig, out var configuredRiskWarningConfirmExpireSeconds)
+                && configuredRiskWarningConfirmExpireSeconds > 0)
+            {
+                riskWarningConfirmExpireSeconds = configuredRiskWarningConfirmExpireSeconds;
+            }
             var ignoreMoneyCheck = tradeidArr.Count() == 1 && additionalProcessing == tradeBLL.LackOfMoney;
             var ignoreRiskWarning = tradeidArr.Count() == 1 && additionalProcessing == tradeBLL.RiskWarningConfirm;
             var ignoreRiskRuleIdArr = StringHelper.ConvertCommaValuesToStringArray(ignoreRiskRuleIds);
+            // 老风控交易特批与新风控二次审批统一基于 quotaTrial 做超时校验，超时后清空放行标记并重新校验。
+            // 仅 swapTradeView.js 会回传 trialDataId 并触发 RiskWarningConfirm，按 quotaTrial.OptDate 精确校验；
+            // tradeview.js / tradeConfirmList.js / swapTradeConfirmList.js / quotaMonitor.js 只发 LackOfMoney，不传 trialDataId，不进入超时校验。
+            if (ignoreMoneyCheck || ignoreRiskWarning)
+            {
+                var trialExpired = false;
+                if (trialDataId.HasValue)
+                {
+                    // swapTradeView.js：按 quotaTrial.OptDate 校验，查不到记录也视为过期
+                    trialExpired = new QuotaMonitorService(CurUser).IsQuotaTrialExpired(trialDataId.Value, riskWarningConfirmExpireSeconds);
+                }
+                if (trialExpired)
+                {
+                    ignoreMoneyCheck = false;
+                    ignoreRiskWarning = false;
+                    ignoreRiskRuleIdArr = Array.Empty<string>();
+                }
+            }
             var isSkipApproval = false;
             if (CurUser.交易管理_特批批量确认 && isSkipCheck)
             {
diff --git a/YLErpWeb/wwwroot/Scripts/app/swaptrade/swapTradeView.js b/YLErpWeb/wwwroot/Scripts/app/swaptrade/swapTradeView.js
index 2f6eb85f..7b832f3c 100644
--- a/YLErpWeb/wwwroot/Scripts/app/swaptrade/swapTradeView.js
+++ b/YLErpWeb/wwwroot/Scripts/app/swaptrade/swapTradeView.js
@@ -49,7 +49,7 @@ function showSwapRate(timeRate, isMarginLeg) {
     $("#swapIntervalModal").modal("show");
 }
 var layerIndex = -1;
-var confirmFunc = function (id, additionalProcessing, ignoreRiskRuleIds) {
+var confirmFunc = function (id, additionalProcessing, ignoreRiskRuleIds, trialDataId) {
     var pData = { tradeids: id };
     if (!main.isEmpty(additionalProcessing)) {
         pData.additionalProcessing = additionalProcessing;
@@ -57,6 +57,9 @@ var confirmFunc = function (id, additionalProcessing, ignoreRiskRuleIds) {
     if (ignoreRiskRuleIds && ignoreRiskRuleIds.length > 0) {
         pData.ignoreRiskRuleIds = ignoreRiskRuleIds.join(',');
     }
+    if (trialDataId) {
+        pData.trialDataId = trialDataId;
+    }
     main.post("/trade/tradeConfirm", pData).done(function (data) {
         if (!data.success) {
             main.message(data.msg);
@@ -103,6 +106,7 @@ var confirmFunc = function (id, additionalProcessing, ignoreRiskRuleIds) {
                 var additionalProcessingType = isRiskWarningConfirm ? "RiskWarningConfirm" : "LackOfMoney";
                 // 新风控需审批时由后端返回本次命中的审批规则 id，前端二次确认时原样透传。
                 var currentIgnoreRiskRuleIds = data.obj.ignoreRiskRuleIds || [];
+                var currentTrialDataId = data.obj.TrialDataId;
                 var saveQuotaTrial = function (obj) {
                     var saveSuccess = true;
                     if (obj.Data.Remark && obj.Data.Remark.length > 0) {
@@ -150,7 +154,7 @@ var confirmFunc = function (id, additionalProcessing, ignoreRiskRuleIds) {
                             obj.Data.Remark = (obj.Data.Remark || "").trim();
                         }
                         layer.close(layerIndex);
-                        confirmFunc(id, additionalProcessingType, currentIgnoreRiskRuleIds);
+                        confirmFunc(id, additionalProcessingType, currentIgnoreRiskRuleIds, currentTrialDataId);
                     },
                     cancel: function () {
                         var iframeWindow = window["layui-layer-iframe" + this.index];