diff --git a/app/core/timeutil.py b/app/core/timeutil.py
index 026b76b..426a9e7 100644
--- a/app/core/timeutil.py
+++ b/app/core/timeutil.py
@@ -42,6 +42,21 @@ def to_utc_naive(value: datetime) -> datetime:
     return aware.astimezone(UTC).replace(tzinfo=None)
 
 
+def from_local(value: datetime) -> datetime:
+    """把**客户端传来的时间参数**换算成库内格式（UTC naive）。
+
+    REST 的时间参数是裸 `datetime`（`api/schemas/risk.py:32-33`），不带时区信息。
+    对面向中国客户的业务系统，裸值按**本地（北京）时间**解释才符合填表人的预期：
+    当成 UTC 会让前端填的"今天 00:00"实际查到昨天 08:00 起的数据。
+    带时区的值仍按它自己声明的时区处理。
+
+    与 `to_utc_naive` 的区别就在裸值上：这个把裸值当**本地**，那个当 **UTC**。
+    取库里的值用后者，接客户端输入用这个。
+    """
+    aware = value if value.tzinfo is not None else value.replace(tzinfo=local_zone())
+    return aware.astimezone(UTC).replace(tzinfo=None)
+
+
 def local_hour(value: datetime) -> int:
     """库内时间对应的**本地**小时（0-23）。
 
diff --git a/app/service/risk_daily_report_service.py b/app/service/risk_daily_report_service.py
index 5d48af9..6944c14 100644
--- a/app/service/risk_daily_report_service.py
+++ b/app/service/risk_daily_report_service.py
@@ -14,7 +14,7 @@ from sqlalchemy.ext.asyncio import AsyncSession
 
 from app.core.config import get_settings
 from app.core.contracts import RequestContext
-from app.core.timeutil import local_day_bounds
+from app.core.timeutil import local_date, local_day_bounds
 from app.model.audit import InteractionAudit
 from app.repository.fund_query_repository import FundRecord
 from app.repository.risk_repository import RiskRepository
@@ -119,7 +119,7 @@ class RiskDailyReportService:
         ]
         return {
             "type": "风控日报",
-            "report_date": generated_at.date().isoformat(),
+            "report_date": local_date(generated_at).isoformat(),
             "generated_at": _local_datetime_text(generated_at),
             "daily_alert_count": len(daily),
             "level_distribution": _distribution(daily, "risk_level", LEVEL_ORDER),
@@ -241,7 +241,11 @@ class RiskDailyReportService:
             "is_overdue": bool(due_at and due_at <= generated_at),
             "is_escalated": bool(item.get("is_escalated")),
             "close_reason": item.get("close_reason"),
-            "created_today": bool(created_at and created_at.date() == generated_at.date()),
+            # 两边都按**北京时间**取日期：原先比的是 UTC 日期，北京 08:00 之前
+            # 会把"今天新增的预警"算成昨天（docs/25 P1 #6）。
+            "created_today": bool(
+                created_at and local_date(created_at) == local_date(generated_at)
+            ),
         }
 
     @staticmethod
diff --git a/app/service/risk_judgement_service.py b/app/service/risk_judgement_service.py
index 23c0205..e3b3b33 100644
--- a/app/service/risk_judgement_service.py
+++ b/app/service/risk_judgement_service.py
@@ -7,11 +7,11 @@
 from __future__ import annotations
 
 import re
-from datetime import date, datetime
+from datetime import UTC, date, datetime
 from decimal import Decimal, InvalidOperation
 from typing import Any
 
-from app.core.timeutil import local_hour
+from app.core.timeutil import local_date, local_hour
 
 VERDICT_RELEASE = "可考虑放行"
 VERDICT_SUSPECTED_FALSE_POSITIVE = "疑似误报"
@@ -383,7 +383,10 @@ def _age(value: Any) -> int | None:
     birth_date = _date(value)
     if birth_date is None:
         return None
-    today = date.today()
+    # 用**北京时间**的今天。原先这里用服务器 date.today()（东八区的机器上是北京日期，
+    # 但不保证），而扫描侧用 UTC 日期——两处口径不一致会让同一客户在生日边界上差一岁
+    # （docs/25 P1 #6）。统一走 timeutil。
+    today = local_date(datetime.now(UTC))
     return today.year - birth_date.year - (
         (today.month, today.day) < (birth_date.month, birth_date.day)
     )
diff --git a/app/service/risk_query_service.py b/app/service/risk_query_service.py
index 3f1b8c6..87f319f 100644
--- a/app/service/risk_query_service.py
+++ b/app/service/risk_query_service.py
@@ -13,6 +13,7 @@ from app.api.schemas.risk import RiskAlertPageQuery, RiskEvidencePageQuery
 from app.core.contracts import RequestContext
 from app.core.errors import GenericResourceNotFoundError
 from app.core.risk_cursor import decode_offset_cursor, encode_offset_cursor
+from app.core.timeutil import from_local
 from app.repository.fund_query_repository import CustomerScope, PageRequest
 from app.repository.risk_repository import RiskRepository
 from app.service.authorization_service import AuthorizationService
@@ -74,8 +75,11 @@ class RiskQueryService:
             product_name=query.product_name,
             risk_level=query.risk_level,
             rule_code=query.rule_code,
-            start_time=query.start_time,
-            end_time=query.end_time,
+            # REST 的时间参数是裸 datetime（不带时区），按**北京时间**解释后再换算成
+            # 库内 UTC。Agent 路径本来就带时区（risk_natural_language.py:117），
+            # 两条路径口径必须一致，否则同一个筛选条件在界面与对话里查出不同结果。
+            start_time=from_local(query.start_time) if query.start_time else None,
+            end_time=from_local(query.end_time) if query.end_time else None,
             page=PageRequest(limit=query.limit, offset=decode_offset_cursor(query.cursor)),
         )
         return self._page(page)
diff --git a/app/service/risk_scan_service.py b/app/service/risk_scan_service.py
index 221416d..11ec32c 100644
--- a/app/service/risk_scan_service.py
+++ b/app/service/risk_scan_service.py
@@ -18,7 +18,7 @@ from sqlalchemy.ext.asyncio import AsyncSession
 
 from app.core.contracts import RequestContext
 from app.core.errors import AgentError, ConflictAgentError
-from app.core.timeutil import local_hour
+from app.core.timeutil import local_date, local_hour
 from app.model.audit import InteractionAudit
 from app.model.fund import (
     FundCapitalFlow,
@@ -462,7 +462,9 @@ def _new_alert_id() -> int:
 def _age(birth_date: date | None) -> int:
     if birth_date is None:
         return 0
-    today = datetime.now(UTC).date()
+    # 用**北京时间**的今天：原先用 UTC 日期，而研判侧用服务器 date.today()，
+    # 两处口径不一致会让同一客户在生日边界上差一岁（docs/25 P1 #6）。
+    today = local_date(datetime.now(UTC))
     return today.year - birth_date.year - (
         (today.month, today.day) < (birth_date.month, birth_date.day)
     )