diff --git a/backend/src/services/retirement.service.ts b/backend/src/services/retirement.service.ts
index 8f941ad..581cb64 100644
--- a/backend/src/services/retirement.service.ts
+++ b/backend/src/services/retirement.service.ts
@@ -236,19 +236,24 @@ export async function confirmRetirementPolicy(orgId: string, policyId: string):
 
 // 批量更新员工距退休天数（基于个人出生日期 individually 计算）
 export async function updateEmployeesRetirementDays(orgId: string): Promise<void> {
-  // 查询有正式劳动合同的员工
+  // 查询所有在职员工（含合同信息），在代码中按最新合同判断
   const employees = await prisma.employee.findMany({
-    where: {
-      orgId,
-      contracts: { some: { contractType: { in: ['FIXED', 'UNFIXED'] } } },
-    },
-    select: { id: true, birthDate: true, gender: true, femaleWorkerType: true },
+    where: { orgId, status: 'ACTIVE', birthDate: { not: null } },
+    include: { contracts: { orderBy: { createdAt: 'desc' }, take: 1 } },
   })
 
   for (const emp of employees) {
-    if (!emp.birthDate) continue
+    const latestContractType = emp.contracts[0]?.contractType
+    if (!latestContractType || !['FIXED', 'UNFIXED'].includes(latestContractType)) {
+      // 非正式劳动合同：清除退休天数
+      await prisma.employee.update({
+        where: { id: emp.id },
+        data: { retirementDaysLeft: null },
+      })
+      continue
+    }
     const gender = emp.gender || '男'
-    const daysLeft = calcRetirementDaysLeft(emp.birthDate, gender, emp.femaleWorkerType)
+    const daysLeft = calcRetirementDaysLeft(emp.birthDate!, gender, emp.femaleWorkerType)
     if (daysLeft !== null) {
       await prisma.employee.update({
         where: { id: emp.id },
diff --git a/backend/src/services/risk.service.ts b/backend/src/services/risk.service.ts
index 7a2ff0d..ea3b703 100644
--- a/backend/src/services/risk.service.ts
+++ b/backend/src/services/risk.service.ts
@@ -488,13 +488,16 @@ export async function detectMonthlyTasks(orgId: string) {
  */
 export async function detectRetirementRisks(orgId: string) {
   const employees = await prisma.employee.findMany({
-    where: { orgId, status: 'ACTIVE', birthDate: { not: null }, contracts: { some: { contractType: { in: ['FIXED', 'UNFIXED'] } } } },
-    select: { id: true, name: true, gender: true, birthDate: true, femaleWorkerType: true },
+    where: { orgId, status: 'ACTIVE', birthDate: { not: null } },
+    include: { contracts: { orderBy: { createdAt: 'desc' }, take: 1 } },
   })
 
   const risks: { employeeId: string; type: RiskType; level: RiskLevel; title: string; description: string; actionUrl: string }[] = []
 
   for (const emp of employees) {
+    // 只对最新合同为正式劳动合同的员工进行退休检测
+    const latestContractType = emp.contracts[0]?.contractType
+    if (!latestContractType || !['FIXED', 'UNFIXED'].includes(latestContractType)) continue
     if (!emp.birthDate) continue
     const gender = emp.gender || '男'
     const fwt = emp.femaleWorkerType
@@ -1204,16 +1207,19 @@ export async function getMonthlyCalendar(orgId: string, month: string) {
     })
   }
 
-  // 6. 退休日期（仅正式劳动合同员工）
+  // 6. 退休日期（仅最新合同为正式劳动合同的员工）
   const retiringEmployees = await prisma.employee.findMany({
     where: {
       orgId,
       status: 'ACTIVE',
       retirementDaysLeft: { gte: 0, lte: 365 },
-      contracts: { some: { contractType: { in: ['FIXED', 'UNFIXED'] } } },
     },
+    include: { contracts: { orderBy: { createdAt: 'desc' }, take: 1 } },
   })
   for (const emp of retiringEmployees) {
+    // 只对最新合同为正式劳动合同的员工显示退休日期
+    const latestContractType = emp.contracts[0]?.contractType
+    if (!latestContractType || !['FIXED', 'UNFIXED'].includes(latestContractType)) continue
     if (emp.retirementDaysLeft !== null) {
       const retireDate = new Date()
       retireDate.setDate(retireDate.getDate() + emp.retirementDaysLeft)