diff --git a/RuoYi-Vue3/src/views/digitalCredit/loan/financing/loan-management.vue b/RuoYi-Vue3/src/views/digitalCredit/loan/financing/loan-management.vue
index 7bda72f..7944424 100644
--- a/RuoYi-Vue3/src/views/digitalCredit/loan/financing/loan-management.vue
+++ b/RuoYi-Vue3/src/views/digitalCredit/loan/financing/loan-management.vue
@@ -124,7 +124,12 @@
         </el-col>
         <el-col :span="4">
           <el-card class="stats-card">
-            <el-statistic title="风险评级" :value="stats.riskLevel" />
+            <div class="risk-level-stat">
+              <div class="risk-level-title">风险评级</div>
+              <div class="risk-level-value" :style="{ color: getRiskLevelColor(stats.riskLevel) }">
+                {{ stats.riskLevel || 'A' }}
+              </div>
+            </div>
           </el-card>
         </el-col>
       </el-row>
@@ -1490,6 +1495,12 @@ function getRiskLevelText(level) {
   return levelMap[level] || level;
 }
 
+/** 获取风险评级颜色 */
+function getRiskLevelColor(level) {
+  const colorMap = { 'A': '#67C23A', 'B': '#E6A23C', 'C': '#F56C6C', 'D': '#909399' };
+  return colorMap[level] || '#303133';
+}
+
 /** 获取风险评分颜色 */
 function getRiskScoreColor(score) {
   if (score >= 80) return '#67C23A'; // 绿色 - 低风险
@@ -1645,6 +1656,23 @@ onUnmounted(() => {
   text-align: center;
 }
 
+.risk-level-stat {
+  text-align: center;
+  padding: 4px 0;
+}
+
+.risk-level-title {
+  font-size: 14px;
+  color: #909399;
+  margin-bottom: 8px;
+}
+
+.risk-level-value {
+  font-size: 28px;
+  font-weight: bold;
+  line-height: 1;
+}
+
 .mb8 {
   margin-bottom: 8px;
 }
diff --git a/ruoyi-admin/src/main/resources/application.yml b/ruoyi-admin/src/main/resources/application.yml
index 5cd5a71..3935949 100644
--- a/ruoyi-admin/src/main/resources/application.yml
+++ b/ruoyi-admin/src/main/resources/application.yml
@@ -76,7 +76,7 @@ spring:
     # 国际化资源文件路径
     basename: i18n/messages
   profiles:
-    active: druid
+    active: druid,api-security
   autoconfigure:
     exclude:
       - org.redisson.spring.starter.RedissonAutoConfiguration
diff --git a/ruoyi-credit/src/main/java/com/ruoyi/credit/interceptor/IpWhitelistInterceptor.java b/ruoyi-credit/src/main/java/com/ruoyi/credit/interceptor/IpWhitelistInterceptor.java
index b3c7bc7..7240f45 100644
--- a/ruoyi-credit/src/main/java/com/ruoyi/credit/interceptor/IpWhitelistInterceptor.java
+++ b/ruoyi-credit/src/main/java/com/ruoyi/credit/interceptor/IpWhitelistInterceptor.java
@@ -29,7 +29,7 @@ public class IpWhitelistInterceptor implements HandlerInterceptor {
     private static final Logger logger = LoggerFactory.getLogger(IpWhitelistInterceptor.class);
 
     @Value("${api.ipWhitelist.enabled:true}")
-    private Boolean ipWhitelistEnabled;
+    private boolean ipWhitelistEnabled;
 
     @Value("${api.ipWhitelist.allowedIps:127.0.0.1,::1}")
     private String allowedIpsConfig;
@@ -46,10 +46,7 @@ public class IpWhitelistInterceptor implements HandlerInterceptor {
 
     @Override
     public boolean preHandle(HttpServletRequest request, HttpServletResponse response, Object handler) throws Exception {
-        // 安全优先：如果配置未正确加载，默认启用IP白名单验证
-        boolean isIpWhitelistEnabled = (ipWhitelistEnabled != null) ? ipWhitelistEnabled : true;
-        
-        if (!isIpWhitelistEnabled) {
+        if (!ipWhitelistEnabled) {
             return true;
         }