diff --git a/backend/src/services/risk.service.ts b/backend/src/services/risk.service.ts
index 57d1219..a4651e3 100644
--- a/backend/src/services/risk.service.ts
+++ b/backend/src/services/risk.service.ts
@@ -1778,15 +1778,13 @@ export async function getAnnualValueReport(orgId: string, year: number) {
     policiesPublished,
   }
 
-  const summary = `${year} 年规避潜在损失 ${fmtMoney(lossAvoided)}，节约 HR 工时 ${timeSaved} 小时，仍有 ${pendingRisks.length} 项风险待处理`
-
-  // 未解决风险按员工去重+风险类别去重
+  // 未解决风险按员工去重+风险类别去重（同一类别只取 estimatedLoss 最大的一条）
   const pendingBreakdown: Record<string, {
     name: string
     department: string
     riskCount: number
     totalLoss: number
-    details: { title: string; estimatedLoss: number; legalBasis: string }[]
+    details: Map<string, { title: string; estimatedLoss: number; legalBasis: string }>
   }> = {}
   for (const r of pendingRisks) {
     const personKey = r.employee?.idCardHash || r.employee?.name || r.employeeId || '_unknown'
@@ -1796,21 +1794,35 @@ export async function getAnnualValueReport(orgId: string, year: number) {
         department: r.employee?.department || '-',
         riskCount: 0,
         totalLoss: 0,
-        details: [],
+        details: new Map(),
       }
     }
-    pendingBreakdown[personKey].riskCount++
-    pendingBreakdown[personKey].totalLoss += r.estimatedLoss || 0
-    pendingBreakdown[personKey].details.push({
-      title: r.title,
-      estimatedLoss: r.estimatedLoss || 0,
-      legalBasis: getLegalBasis(r.title),
-    })
+    const catKey = getRiskCategoryKey(r.title)
+    const loss = r.estimatedLoss || 0
+    const existing = pendingBreakdown[personKey].details.get(catKey)
+    if (!existing || loss > existing.estimatedLoss) {
+      pendingBreakdown[personKey].details.set(catKey, {
+        title: r.title,
+        estimatedLoss: loss,
+        legalBasis: getLegalBasis(r.title),
+      })
+    }
   }
   const pendingRiskDetails = Object.values(pendingBreakdown)
-    .map(p => ({ ...p, details: p.details.sort((a, b) => b.estimatedLoss - a.estimatedLoss) }))
+    .map(p => {
+      const details = Array.from(p.details.values()).sort((a, b) => b.estimatedLoss - a.estimatedLoss)
+      return {
+        name: p.name,
+        department: p.department,
+        riskCount: details.length,
+        totalLoss: details.reduce((sum, d) => sum + d.estimatedLoss, 0),
+        details,
+      }
+    })
     .sort((a, b) => b.totalLoss - a.totalLoss)
 
+  const summary = `${year} 年规避潜在损失 ${fmtMoney(lossAvoided)}，节约 HR 工时 ${timeSaved} 小时，仍有 ${pendingRiskDetails.length} 人待处理风险`
+
   return {
     year,
     totalValue,