diff --git a/src/Oms.Application/Dtos/Ai/AiDtos.cs b/src/Oms.Application/Dtos/Ai/AiDtos.cs
index 7cb0f98..b217d5d 100644
--- a/src/Oms.Application/Dtos/Ai/AiDtos.cs
+++ b/src/Oms.Application/Dtos/Ai/AiDtos.cs
@@ -16,6 +16,9 @@ public class AiProviderOutput
 
     public string? ApiKey { get; set; }
 
+    /// <summary>
+    /// 默认模型名（历史字段名 ApiSecret，实际不当密钥脱敏）。
+    /// </summary>
     public string? ApiSecret { get; set; }
 
     public bool IsDefault { get; set; }
@@ -39,6 +42,9 @@ public class AiProviderSaveInput
 
     public string? ApiKey { get; set; }
 
+    /// <summary>
+    /// 默认文字模型 ID；空表示保持原值。
+    /// </summary>
     public string? ApiSecret { get; set; }
 
     public bool IsDefault { get; set; }
diff --git a/src/Oms.Application/Mcp/McpToolCatalog.cs b/src/Oms.Application/Mcp/McpToolCatalog.cs
index 4ab874f..1b76866 100644
--- a/src/Oms.Application/Mcp/McpToolCatalog.cs
+++ b/src/Oms.Application/Mcp/McpToolCatalog.cs
@@ -40,20 +40,16 @@ public static class McpToolCatalog
         new(
             ChannelGuide,
             "查渠道对客说明",
-            "按销售产品代码或名称查询对客说明，判断客户品名是否可承运（禁运/可寄）。",
+            "客户问某品名能不能寄、走什么渠道时调用。必填 cargoName；productCode/productName 可选（已知渠道时传入）。仅品名时按对客说明检索可走渠道。",
             """
             {
               "type": "object",
               "properties": {
-                "productCode": { "type": "string", "description": "销售产品代码，优先使用" },
-                "productName": { "type": "string", "description": "销售产品名称关键词（无代码时用）" },
-                "cargoName": { "type": "string", "description": "客户品名，用于对照说明判断可否承运" }
+                "productCode": { "type": "string", "description": "销售产品代码，可选；客户已指定渠道时优先" },
+                "productName": { "type": "string", "description": "销售产品/渠道名称关键词，可选" },
+                "cargoName": { "type": "string", "description": "客户品名，如 lipstick、化妆品；必填" }
               },
-              "required": ["cargoName"],
-              "anyOf": [
-                { "required": ["productCode"] },
-                { "required": ["productName"] }
-              ]
+              "required": ["cargoName"]
             }
             """,
             20),
diff --git a/src/Oms.Application/Mcp/McpToolExecutor.cs b/src/Oms.Application/Mcp/McpToolExecutor.cs
index c9fb27e..1c075b8 100644
--- a/src/Oms.Application/Mcp/McpToolExecutor.cs
+++ b/src/Oms.Application/Mcp/McpToolExecutor.cs
@@ -153,6 +153,13 @@ public class McpToolExecutor(
         var productName = GetString(root, "productName", "ProductName");
         var cargoName = GetString(root, "cargoName", "CargoName");
 
+        if (string.IsNullOrWhiteSpace(cargoName)
+            && string.IsNullOrWhiteSpace(productCode)
+            && string.IsNullOrWhiteSpace(productName))
+        {
+            return (false, "请至少提供 cargoName（客户品名），或 productCode / productName");
+        }
+
         var products = new List<Oms.Domain.ChannelsAggregate.Entities.SalesProduct>();
         if (!string.IsNullOrWhiteSpace(productCode))
         {
@@ -166,14 +173,51 @@ public class McpToolExecutor(
             var list = await salesProductRepository.GetListAsync(
                 x => x.IsActive == EnableStatus.Enabled
                      && (x.ProductName.Contains(keyword) || x.ProductCode.Contains(keyword)));
-            products.AddRange(list.Take(5));
+            products.AddRange(list.Take(8));
+        }
+
+        // 仅品名：在已启用且配置了对客说明的产品中检索可走渠道
+        if (products.Count == 0 && !string.IsNullOrWhiteSpace(cargoName))
+        {
+            var keyword = cargoName.Trim();
+            var withGuide = await salesProductRepository.GetListAsync(
+                x => x.IsActive == EnableStatus.Enabled
+                     && x.CustomerGuideMarkdown != null
+                     && x.CustomerGuideMarkdown != "");
+
+            static bool ContainsIgnoreCase(string? haystack, string needle) =>
+                !string.IsNullOrEmpty(haystack)
+                && haystack.Contains(needle, StringComparison.OrdinalIgnoreCase);
+
+            var matched = withGuide
+                .Where(p =>
+                    ContainsIgnoreCase(p.CustomerGuideMarkdown, keyword)
+                    || ContainsIgnoreCase(p.ProductName, keyword)
+                    || ContainsIgnoreCase(p.ProductCode, keyword))
+                .Take(10)
+                .ToList();
+
+            if (matched.Count > 0)
+            {
+                products.AddRange(matched);
+            }
+            else
+            {
+                return (true, JsonSerializer.Serialize(new
+                {
+                    items = Array.Empty<object>(),
+                    cargoName = keyword,
+                    hint = "未在已配置对客说明的渠道中命中该品名。请换关键词，或补充销售产品代码/名称后再查；不要擅自判定可寄。"
+                }, JsonOptions));
+            }
         }
 
         if (products.Count == 0)
         {
-            return (false, "未找到销售产品，请提供 productCode 或 productName");
+            return (false, "未找到销售产品，请提供 productCode、productName 或 cargoName");
         }
 
+        var cargo = string.IsNullOrWhiteSpace(cargoName) ? null : cargoName.Trim();
         var items = products.Select(p =>
         {
             var guide = p.CustomerGuideMarkdown?.Trim() ?? string.Empty;
@@ -184,14 +228,19 @@ public class McpToolExecutor(
                 productName = p.ProductName,
                 hasGuide = !string.IsNullOrWhiteSpace(guide),
                 customerGuideMarkdown = string.IsNullOrWhiteSpace(guide) ? null : guide,
-                cargoNameToCheck = string.IsNullOrWhiteSpace(cargoName) ? null : cargoName.Trim(),
+                cargoNameToCheck = cargo,
                 hint = string.IsNullOrWhiteSpace(guide)
                     ? "该产品尚未配置对客说明，无法据此判断品名可否承运。"
-                    : "请根据对客说明判断 cargoName 是否可寄；说明未提及的品名不要擅自判定可寄。"
+                    : "请根据对客说明判断 cargoName 是否可寄、是否适合该渠道；说明未提及的品名不要擅自判定可寄。"
             };
         }).ToList();
 
-        return (true, JsonSerializer.Serialize(new { items }, JsonOptions));
+        return (true, JsonSerializer.Serialize(new
+        {
+            items,
+            cargoName = cargo,
+            hint = "用一两句中文告诉客户：哪些渠道对客说明支持该品名、哪些不支持；可列出产品代码/名称。"
+        }, JsonOptions));
     }
 
     private async Task<(bool, string)> TrackQueryAsync(string argumentsJson, CancellationToken cancellationToken)
diff --git a/src/Oms.Application/Services/Ai/AiService.cs b/src/Oms.Application/Services/Ai/AiService.cs
index cc9ecbd..d8f804a 100644
--- a/src/Oms.Application/Services/Ai/AiService.cs
+++ b/src/Oms.Application/Services/Ai/AiService.cs
@@ -127,7 +127,8 @@ public class AiService : ApplicationService
         DisplayName = entity.DisplayName,
         BaseUrl = entity.BaseUrl,
         ApiKey = maskSecret ? MaskSecret(entity.ApiKeyEnc) : entity.ApiKeyEnc,
-        ApiSecret = maskSecret ? MaskSecret(entity.ApiSecretEnc) : entity.ApiSecretEnc,
+        // ApiSecret 实际承载默认模型名，列表需明文回传以便卡片展示/编辑
+        ApiSecret = entity.ApiSecretEnc,
         IsDefault = entity.IsDefault,
         Enabled = entity.Enabled
     };
diff --git a/src/Oms.Application/Services/Mcp/McpToolService.cs b/src/Oms.Application/Services/Mcp/McpToolService.cs
index 2985f1c..c8fab9a 100644
--- a/src/Oms.Application/Services/Mcp/McpToolService.cs
+++ b/src/Oms.Application/Services/Mcp/McpToolService.cs
@@ -149,7 +149,10 @@ public class McpToolService : ApplicationService
                     "不要索要起运地、发货城市、仓库（用户提到深圳等可忽略或作备注）。" +
                     "国家可用中文，调工具时转二字码（美国→US、英国→GB）。" +
                     "用户已给目的国+重量时，必须立刻调用 oms.price_check，用一两句中文总结结果。" +
-                    "\n2) 对客说明/可承运：必填销售产品代码或名称 + 客户品名；缺一再追问。" +
+                    "\n2) 对客说明/可承运/走什么渠道：用户问某品名能不能寄、能不能走、走什么渠道时，必须立刻调用 oms.channel_guide。" +
+                    "参数示例：{\"productCode\":\"\",\"productName\":\"\",\"cargoName\":\"lipstick\"}。" +
+                    "cargoName 必填（从用户话里提取品名）；productCode/productName 仅在客户已点名渠道时填写，否则留空由工具按品名检索。" +
+                    "有结果后用一两句中文说明可走/不可走的渠道；未命中时如实说，不要编造。" +
                     "\n3) 查轨迹：消息里已有运单号/跟踪号/客户单号（如 IDE 开头）时，立刻调用 oms.track_query，禁止再向用户要单号。" +
                     "\n4) 禁止空回复；信息不足时用一两句中文追问缺项；不要复述 JSON 或大段工具原文。" +
                     "\n【省 token】回复尽量短；一次只调必需工具。"
diff --git a/src/Oms.Application/Shared/AiLlmClient.cs b/src/Oms.Application/Shared/AiLlmClient.cs
index 6f9f825..eb263af 100644
--- a/src/Oms.Application/Shared/AiLlmClient.cs
+++ b/src/Oms.Application/Shared/AiLlmClient.cs
@@ -80,7 +80,15 @@ public class AiLlmClient
             throw new BusinessException($"请先配置 {provider.DisplayName} 的 API Key");
         }
 
-        var model = modelOverride ?? provider.ApiSecretEnc;
+        var model = modelOverride;
+        if (string.IsNullOrWhiteSpace(model))
+        {
+            model = ResolveConfiguredModelId(provider.ApiSecretEnc);
+        }
+        if (string.IsNullOrWhiteSpace(model))
+        {
+            model = DefaultModelForProviderType(provider.ProviderType);
+        }
         if (string.IsNullOrWhiteSpace(model))
         {
             throw new BusinessException($"请先配置 {provider.DisplayName} 的模型名（ApiSecret 字段）或在请求中传入 model");
@@ -256,6 +264,97 @@ public class AiLlmClient
 
         return body.Length <= 300 ? body : body[..300];
     }
+
+    /// <summary>
+    /// 未配置 ApiSecret（模型名）时按提供商类型回落默认模型。
+    /// </summary>
+    private static string? DefaultModelForProviderType(string? providerType) =>
+        (providerType ?? string.Empty).Trim().ToLowerInvariant() switch
+        {
+            "chatgpt" => "gpt-4o-mini",
+            "doubao" => "doubao-1-5-pro-32k-250115",
+            "deepseek" => "deepseek-chat",
+            "zhipu" => "glm-5.1",
+            _ => null
+        };
+
+    /// <summary>
+    /// 解析 ApiSecret：兼容纯模型名，或多模型 JSON
+    /// {"defaultModelId":"...","models":[{"modelId":"...","role":"文字"}]}。
+    /// </summary>
+    private static string? ResolveConfiguredModelId(string? apiSecret)
+    {
+        var secret = (apiSecret ?? string.Empty).Trim();
+        if (string.IsNullOrWhiteSpace(secret))
+        {
+            return null;
+        }
+
+        if (!secret.StartsWith('{'))
+        {
+            return secret;
+        }
+
+        try
+        {
+            using var doc = JsonDocument.Parse(secret);
+            var root = doc.RootElement;
+            if (root.TryGetProperty("defaultModelId", out var defaultModel) &&
+                defaultModel.ValueKind == JsonValueKind.String)
+            {
+                var id = defaultModel.GetString()?.Trim();
+                if (!string.IsNullOrWhiteSpace(id))
+                {
+                    return id;
+                }
+            }
+
+            if (root.TryGetProperty("models", out var models) &&
+                models.ValueKind == JsonValueKind.Array)
+            {
+                foreach (var item in models.EnumerateArray())
+                {
+                    if (!item.TryGetProperty("modelId", out var modelIdEl) ||
+                        modelIdEl.ValueKind != JsonValueKind.String)
+                    {
+                        continue;
+                    }
+
+                    var modelId = modelIdEl.GetString()?.Trim();
+                    if (string.IsNullOrWhiteSpace(modelId))
+                    {
+                        continue;
+                    }
+
+                    if (item.TryGetProperty("role", out var roleEl) &&
+                        roleEl.ValueKind == JsonValueKind.String &&
+                        string.Equals(roleEl.GetString(), "文字", StringComparison.Ordinal))
+                    {
+                        return modelId;
+                    }
+                }
+
+                foreach (var item in models.EnumerateArray())
+                {
+                    if (item.TryGetProperty("modelId", out var modelIdEl) &&
+                        modelIdEl.ValueKind == JsonValueKind.String)
+                    {
+                        var modelId = modelIdEl.GetString()?.Trim();
+                        if (!string.IsNullOrWhiteSpace(modelId))
+                        {
+                            return modelId;
+                        }
+                    }
+                }
+            }
+        }
+        catch (JsonException)
+        {
+            return secret;
+        }
+
+        return null;
+    }
 }
 
 public static class AiLlmServiceExtensions