diff --git a/src/views/miniapp/MiniappConfig.vue b/src/views/miniapp/MiniappConfig.vue
index 9e1783d..707189a 100644
--- a/src/views/miniapp/MiniappConfig.vue
+++ b/src/views/miniapp/MiniappConfig.vue
@@ -177,7 +177,7 @@
             :closable="false"
             show-icon
             class="shop-hint"
-            title="仅影响用户「收款」发起的微信商家转账。按优先级从小到大尝试；某号失败（余额不足/限额等）自动换下一号。发起成功后打款单会强制记录 mch_id，回调按该记录处理。"
+            title="仅影响用户「收款」。未绑定用户按优先级发起；仅当微信官方返回「超出商户单日/单月转账额度」且查单确认未建单时才静默换下一号。个人受限/余额不足等不换号。下方可给指定用户绑定固定商户（绑定后强制只用该号）。已发出待确认单不会因改绑新建第二笔。"
           />
           <div class="asset-toolbar">
             <el-button type="primary" @click="openMchDialog()">新增商户</el-button>
@@ -273,6 +273,77 @@
               <el-button type="primary" :loading="mchSaving" @click="saveMch">保存</el-button>
             </template>
           </el-dialog>
+
+          <el-divider content-position="left">用户指定商户</el-divider>
+          <el-alert
+            type="info"
+            :closable="false"
+            show-icon
+            class="shop-hint"
+            title="绑定用户强制使用所选商户，不再自动轮换。实时改绑立刻影响下一次新建打款；若该用户已有微信待确认单，仍只能确认原单（防双笔）。"
+          />
+          <div class="asset-toolbar">
+            <el-input
+              v-model="bindFilterYonghuid"
+              placeholder="按用户ID筛选"
+              clearable
+              style="width: 200px"
+              @keyup.enter="loadBindList"
+            />
+            <el-button type="primary" @click="openBindDialog()">新增绑定</el-button>
+            <el-button @click="loadBindList">刷新</el-button>
+          </div>
+          <el-table :data="bindList" v-loading="bindLoading" border>
+            <el-table-column prop="yonghuid" label="用户ID" min-width="120" />
+            <el-table-column prop="mch_id" label="商户号" min-width="120" />
+            <el-table-column prop="mch_name" label="商户备注" min-width="100" />
+            <el-table-column label="绑定启用" width="90">
+              <template #default="{ row }">
+                <el-tag :type="row.enabled ? 'success' : 'info'" size="small">{{ row.enabled ? '是' : '否' }}</el-tag>
+              </template>
+            </el-table-column>
+            <el-table-column label="商户启用" width="90">
+              <template #default="{ row }">
+                <el-tag :type="row.mch_enabled ? 'success' : 'danger'" size="small">{{ row.mch_enabled ? '是' : '否' }}</el-tag>
+              </template>
+            </el-table-column>
+            <el-table-column prop="remark" label="备注" min-width="120" />
+            <el-table-column prop="update_time" label="更新时间" min-width="160" />
+            <el-table-column label="操作" width="160" fixed="right">
+              <template #default="{ row }">
+                <el-button link type="primary" @click="openBindDialog(row)">编辑</el-button>
+                <el-button link type="danger" @click="deleteBind(row)">删除</el-button>
+              </template>
+            </el-table-column>
+          </el-table>
+
+          <el-dialog v-model="bindDialogVisible" :title="bindForm.id ? '编辑用户绑定' : '新增用户绑定'" width="520px" destroy-on-close>
+            <el-form label-width="100px">
+              <el-form-item label="用户ID" required>
+                <el-input v-model="bindForm.yonghuid" :disabled="!!bindForm.id" placeholder="小程序用户 yonghuid" />
+              </el-form-item>
+              <el-form-item label="商户号" required>
+                <el-select v-model="bindForm.mch_id" filterable placeholder="选择商户" style="width: 100%">
+                  <el-option
+                    v-for="m in mchList"
+                    :key="m.mch_id"
+                    :label="`${m.mch_id}${m.name ? ' (' + m.name + ')' : ''}${m.enabled ? '' : ' [停用]'}`"
+                    :value="m.mch_id"
+                  />
+                </el-select>
+              </el-form-item>
+              <el-form-item label="启用">
+                <el-switch v-model="bindForm.enabled" />
+              </el-form-item>
+              <el-form-item label="备注">
+                <el-input v-model="bindForm.remark" />
+              </el-form-item>
+            </el-form>
+            <template #footer>
+              <el-button @click="bindDialogVisible = false">取消</el-button>
+              <el-button type="primary" :loading="bindSaving" @click="saveBind">保存</el-button>
+            </template>
+          </el-dialog>
         </el-tab-pane>
       </el-tabs>
     </div>
@@ -333,6 +404,111 @@ const mchForm = reactive({
   platform_pub_key_path: '',
 })
 
+const bindLoading = ref(false)
+const bindSaving = ref(false)
+const bindList = ref([])
+const bindFilterYonghuid = ref('')
+const bindDialogVisible = ref(false)
+const bindForm = reactive({
+  id: null,
+  yonghuid: '',
+  mch_id: '',
+  enabled: true,
+  remark: '',
+})
+
+const loadBindList = async () => {
+  bindLoading.value = true
+  try {
+    const res = await request.post('/peizhi/wxmchUserLb', {
+      username: username.value,
+      yonghuid: bindFilterYonghuid.value || '',
+      page: 1,
+      limit: 100,
+    })
+    if (res.code === 403) {
+      hasPermission.value = false
+      return
+    }
+    if (res.code === 0 && res.data) {
+      bindList.value = res.data.list || []
+    } else {
+      ElMessage.error(res.msg || '加载用户绑定失败')
+    }
+  } catch {
+    ElMessage.error('网络错误')
+  } finally {
+    bindLoading.value = false
+  }
+}
+
+const openBindDialog = (row) => {
+  if (row) {
+    Object.assign(bindForm, {
+      id: row.id,
+      yonghuid: row.yonghuid,
+      mch_id: row.mch_id,
+      enabled: !!row.enabled,
+      remark: row.remark || '',
+    })
+  } else {
+    Object.assign(bindForm, {
+      id: null,
+      yonghuid: '',
+      mch_id: mchList.value.find((m) => m.enabled)?.mch_id || '',
+      enabled: true,
+      remark: '',
+    })
+  }
+  bindDialogVisible.value = true
+}
+
+const saveBind = async () => {
+  if (!bindForm.yonghuid || !bindForm.mch_id) {
+    ElMessage.warning('请填写用户ID并选择商户号')
+    return
+  }
+  bindSaving.value = true
+  try {
+    const res = await request.post('/peizhi/wxmchUserBj', {
+      username: username.value,
+      id: bindForm.id,
+      yonghuid: String(bindForm.yonghuid).trim(),
+      mch_id: bindForm.mch_id,
+      enabled: bindForm.enabled,
+      remark: bindForm.remark,
+    })
+    if (res.code === 0) {
+      ElMessage.success(res.msg || '保存成功')
+      bindDialogVisible.value = false
+      await loadBindList()
+    } else {
+      ElMessage.error(res.msg || '保存失败')
+    }
+  } catch {
+    ElMessage.error('网络错误')
+  } finally {
+    bindSaving.value = false
+  }
+}
+
+const deleteBind = async (row) => {
+  try {
+    const res = await request.post('/peizhi/wxmchUserSc', {
+      username: username.value,
+      id: row.id,
+    })
+    if (res.code === 0) {
+      ElMessage.success('已删除')
+      await loadBindList()
+    } else {
+      ElMessage.error(res.msg || '删除失败')
+    }
+  } catch {
+    ElMessage.error('网络错误')
+  }
+}
+
 const loadMchList = async () => {
   mchLoading.value = true
   try {
@@ -604,6 +780,7 @@ onMounted(() => {
   loadSysConfig()
   loadAssets()
   loadMchList()
+  loadBindList()
 })
 </script>