diff --git a/backend/app/api/kpis.py b/backend/app/api/kpis.py
index 0c21d3f8..a67a5636 100644
--- a/backend/app/api/kpis.py
+++ b/backend/app/api/kpis.py
@@ -101,21 +101,38 @@ def get_kpi_categories(current_user = Depends(require_auth), db: Session = Depen
 # KPI-5: 五档评分引擎（静态路由必须在动态/{kpi_id}之前）
 # ============================================================
 
-def _calc_five_tier_score(current_value, target_value):
-    """五档评分：1-5分"""
+REVERSE_INDICATORS = ['C_REBATE_RATE', 'P_BUG_RATE', 'P_REWORK_PCT', 'F_DEBT_RATIO',
+                       'P_QUALITY_RATE', 'F_COST_RATIO', 'F_INTEREST_COVER', 'F_QUICK_RATIO']
+
+
+def _calc_five_tier_score(current_value, target_value, is_reverse=False):
+    """五档评分：1-5分（支持正反向指标）"""
     if current_value is None or target_value is None or target_value == 0:
         return None, "info"
     ratio = current_value / target_value
-    if ratio >= 1.2:
-        return 5, "success"  # 卓越
-    elif ratio >= 1.0:
-        return 4, "success"  # 达标
-    elif ratio >= 0.8:
-        return 3, "warning"  # 预警
-    elif ratio >= 0.5:
-        return 2, "danger"   # 危险
+    if is_reverse:
+        # 反向指标：实际值越低越好
+        if ratio <= 0.5:
+            return 5, "success"      # 远低于目标→卓越
+        elif ratio <= 0.8:
+            return 4, "success"      # 低于目标→达标
+        elif ratio <= 1.0:
+            return 3, "warning"      # 接近目标→预警
+        elif ratio <= 1.2:
+            return 2, "danger"       # 超过目标→危险
+        else:
+            return 1, "danger"       # 远超目标→失效
     else:
-        return 1, "danger"   # 失效
+        if ratio >= 1.2:
+            return 5, "success"  # 卓越
+        elif ratio >= 1.0:
+            return 4, "success"  # 达标
+        elif ratio >= 0.8:
+            return 3, "warning"  # 预警
+        elif ratio >= 0.5:
+            return 2, "danger"   # 危险
+        else:
+            return 1, "danger"   # 失效
 
 
 @router.get("/score")
@@ -154,7 +171,7 @@ def get_kpi_score(
         latest_val = val_query.order_by(KPIValue.period.desc()).first()
 
         current_val = latest_val.actual_value if latest_val else None
-        score, status = _calc_five_tier_score(current_val, k.target_value)
+        score, status = _calc_five_tier_score(current_val, k.target_value, is_reverse=(k.kpi_code in REVERSE_INDICATORS))
 
         kpi_scores.append({
             "kpi_id": k.id,