diff --git a/app/service/agent/implementations/customer_service.py b/app/service/agent/implementations/customer_service.py
index fc7dfa0..3bb641f 100644
--- a/app/service/agent/implementations/customer_service.py
+++ b/app/service/agent/implementations/customer_service.py
@@ -402,6 +402,13 @@ class CustomerServiceAgent(BaseAgent):
         """
         first = next((line.strip() for line in answer.splitlines() if line.strip()), "")
         first = first.lstrip("#").strip()
+        # 适当性回答的首行是「{产品名}为 R2（中低风险），与您当前的风险测评结果不匹配…」，
+        # 产品名在"为 R"之前。这一条必须在冒号判断**之前**：那一行里没有冒号。
+        for level in range(1, 6):
+            index = first.find(f"为 R{level}")
+            if index >= 0:
+                candidate = first[:index].strip()
+                return candidate if 0 < len(candidate) <= 20 else ""
         topic = first.split("：", 1)[0].strip() if "：" in first else first
         # FAQ 型回答的首行是"问：C1 客户能买什么产品?"，冒号前只有一个"问"字；
         # 拿它当主语只会把检索词污染成"问 那它风险高吗"。
diff --git a/tests/unit/service/test_customer_service_search_query.py b/tests/unit/service/test_customer_service_search_query.py
index 745ec71..f9b307c 100644
--- a/tests/unit/service/test_customer_service_search_query.py
+++ b/tests/unit/service/test_customer_service_search_query.py
@@ -51,6 +51,23 @@ def test_fallback_answer_yields_no_topic() -> None:
     assert CustomerServiceAgent._topic_of("") == ""
 
 
+def test_topic_extracted_from_suitability_answer() -> None:
+    """适当性回答的首行是「{产品名}为 R2（中低风险），…」，产品名在"为 R"之前。
+
+    这一行既没有冒号也不是标题行。漏掉这种格式的后果是实测到的：客户问
+    「那我能买它吗」时取不出主语，整句被当成没有指代对象，直接转人工。
+    """
+    assert CustomerServiceAgent._topic_of(
+        "南方季季盈90天为 R2（中低风险），与您当前的风险测评结果不匹配，"
+        "按照投资者适当性管理规定暂时无法购买。"
+    ) == "南方季季盈90天"
+
+
+def test_topic_from_suitability_answer_requires_a_name_before_the_marker() -> None:
+    """以"为 R2"开头说明前面没有产品名，不能把空串或等级本身当成主语。"""
+    assert CustomerServiceAgent._topic_of("为 R2（中低风险），与您的测评结果不匹配。") == ""
+
+
 def test_faq_style_answer_yields_no_topic() -> None:
     """FAQ 型回答首行是"问：…"，冒号前只有一个"问"字，不能当主语。"""
     assert CustomerServiceAgent._topic_of(