diff --git a/firstleg/src/main/java/com/baiyue/firstleg/service/LoadingPickService.java b/firstleg/src/main/java/com/baiyue/firstleg/service/LoadingPickService.java
index 4faf88928..1dcd6ad1a 100644
--- a/firstleg/src/main/java/com/baiyue/firstleg/service/LoadingPickService.java
+++ b/firstleg/src/main/java/com/baiyue/firstleg/service/LoadingPickService.java
@@ -462,10 +462,12 @@ public class LoadingPickService {
         for (LoadingPickItemMapper.InboundOwner owner : owners) {
             LoadingInboundMapper.Snapshot snapshot = repository.inboundForUpdate(owner.tenantId(), owner.inboundId());
             if (snapshot == null) throw conflict("PDA任务关联入库单不存在");
-            loadingDeliveryService.requirePdaCompletionReady(owner.tenantId(), owner.inboundId(),
-                evidenceOwner.inboundId());
+            completionStage(taskId, "完成前业务门禁", () ->
+                loadingDeliveryService.requirePdaCompletionReady(owner.tenantId(), owner.inboundId(),
+                    evidenceOwner.inboundId()));
         }
-        settlementService.settle(taskId, operatorId, operatorName);
+        completionStage(taskId, "拆单与库位结算", () ->
+            settlementService.settle(taskId, operatorId, operatorName));
         if (!repository.allPlanItemsPicked(task.getLoadingPlanId())) {
             throw conflict("柜次仍有未完成PDA拣货的箱数");
         }
@@ -473,18 +475,33 @@ public class LoadingPickService {
             throw conflict("PDA任务已经复核");
         }
         insertOperation(taskId, operationId, requestHash, "COMPLETE_LOADING", operatorId, operatorName);
-        loadingListService.finishFromPda(task.getLoadingPlanId(), taskId, operatorId, operatorName);
+        completionStage(taskId, "装柜计划完成", () ->
+            loadingListService.finishFromPda(task.getLoadingPlanId(), taskId, operatorId, operatorName));
         repository.syncInboundProjections(taskId, operatorId, operatorName);
         for (LoadingPickItemMapper.InboundOwner owner : owners) {
-            loadingDeliveryService.completeAfterPdaSettlement(owner.tenantId(), owner.inboundId(),
-                evidenceOwner.inboundId(), operatorId, operatorName,
-                "PDA-" + operationId + '-' + owner.inboundId(), remark);
+            completionStage(taskId, "入库单状态完成", () ->
+                loadingDeliveryService.completeAfterPdaSettlement(owner.tenantId(), owner.inboundId(),
+                    evidenceOwner.inboundId(), operatorId, operatorName,
+                    "PDA-" + operationId + '-' + owner.inboundId(), remark));
         }
-        loadingListService.publishCompletedEvent(task.getLoadingPlanId());
+        completionStage(taskId, "完成事件发布", () ->
+            loadingListService.publishCompletedEvent(task.getLoadingPlanId()));
         completeTruckAfterCommit(task.getContainerBookingId(), taskId, operatorId, operatorName);
         return view(requiredTask(taskId), null);
     }
 
+    private void completionStage(long taskId, String stage, Runnable action) {
+        try {
+            action.run();
+        } catch (BizException exception) {
+            throw exception;
+        } catch (RuntimeException exception) {
+            log.error("Unexpected PDA loading completion failure taskId={} stage={}", taskId, stage, exception);
+            throw new BizException(ResultCode.INTERNAL_ERROR,
+                "装柜完成在【" + stage + "】阶段处理异常，请联系管理员并提供请求编号");
+        }
+    }
+
     private void completeTruckAfterCommit(long containerBookingId, long taskId,
                                           long operatorId, String operatorName) {
         Runnable completion = () -> {
diff --git a/firstleg/src/test/java/com/baiyue/firstleg/service/LoadingPickServiceTest.java b/firstleg/src/test/java/com/baiyue/firstleg/service/LoadingPickServiceTest.java
index 6279bf6bd..437c62dcd 100644
--- a/firstleg/src/test/java/com/baiyue/firstleg/service/LoadingPickServiceTest.java
+++ b/firstleg/src/test/java/com/baiyue/firstleg/service/LoadingPickServiceTest.java
@@ -591,6 +591,28 @@ class LoadingPickServiceTest {
         verify(loadingListService, never()).publishCompletedEvent(anyLong());
     }
 
+    @Test
+    void translatesUnexpectedSettlementFailureIntoActionableStageMessage() {
+        LoadingPickTaskEntity task = task();
+        when(repository.taskForUpdate(20L)).thenReturn(task);
+        when(repository.allTaskItemsResolved(20L)).thenReturn(true);
+        var owner = new LoadingPickItemMapper.InboundOwner(101L, 50L);
+        when(repository.inboundOwners(20L)).thenReturn(List.of(owner));
+        when(repository.inboundForUpdate(101L, 50L)).thenReturn(
+            new LoadingInboundMapper.Snapshot(50L, 101L, "LOADING", 7));
+        doThrow(new IllegalStateException("unexpected database failure"))
+            .when(settlementService).settle(20L, 9L, "operator");
+
+        assertThatThrownBy(() -> service.complete(20L,
+            new CompleteLoadingRequest(0, "complete-stage-error", "checked"), 9L, "operator"))
+            .isInstanceOf(BizException.class)
+            .hasMessageContaining("拆单与库位结算")
+            .hasMessageContaining("请求编号");
+
+        verify(repository, never()).approve(anyLong(), anyLong(), anyString(), anyString());
+        verify(loadingListService, never()).finishFromPda(anyLong(), anyLong(), anyLong(), anyString());
+    }
+
     @Test
     void atomicallySubmitsCompleteBatchAndReplaysSameResult() {
         LoadingPickTaskEntity task = task();