diff --git a/frontend/components/common/risk/risk-block-dialog.tsx b/frontend/components/common/risk/risk-block-dialog.tsx
index 6306b0f..fdd396b 100644
--- a/frontend/components/common/risk/risk-block-dialog.tsx
+++ b/frontend/components/common/risk/risk-block-dialog.tsx
@@ -16,7 +16,7 @@ const RISK_BLOCKED_EVENT = "credit-risk-blocked"
 function isRiskInfo(value: unknown): value is RiskInfo {
   if (!value || typeof value !== "object") return false
   const riskInfo = value as Partial<RiskInfo>
-  return typeof riskInfo.risk_level === "string" && Array.isArray(riskInfo.risk_labels)
+  return typeof riskInfo.risk_level === "string" && Array.isArray(riskInfo.risk_labels) && Array.isArray(riskInfo.risks)
 }
 
 export function RiskBlockDialog() {
diff --git a/frontend/components/common/risk/risk-info-box.tsx b/frontend/components/common/risk/risk-info-box.tsx
index b2e05df..9e1c147 100644
--- a/frontend/components/common/risk/risk-info-box.tsx
+++ b/frontend/components/common/risk/risk-info-box.tsx
@@ -1,9 +1,16 @@
 import { cn } from "@/lib/utils"
 import { Badge } from "@/components/ui/badge"
 
+export interface RiskItem {
+  label: string
+  value?: string
+  desc?: string
+}
+
 export interface RiskInfo {
   risk_level: string
   risk_labels: string[]
+  risks: RiskItem[]
 }
 
 export function RiskInfoBox({
@@ -16,19 +23,30 @@ export function RiskInfoBox({
   labelClassName?: string
 }) {
   return (
-    <div className="rounded-lg border bg-card p-4">
+    <div className="rounded-lg border bg-card p-4 shadow-sm">
       <div className="flex flex-wrap items-center gap-2">
         <span className={cn("text-sm font-medium text-muted-foreground", labelClassName)}>{label}</span>
         <Badge variant="destructive">{riskInfo?.risk_level || "未知"}</Badge>
       </div>
 
-      <div className="mt-4 flex flex-wrap gap-2">
-        {riskInfo?.risk_labels.length ? (
-          riskInfo.risk_labels.map(label => (
-            <Badge key={label} variant="secondary">
-              {label}
-            </Badge>
+      <div className="mt-4 space-y-2">
+        {riskInfo?.risks.length ? (
+          riskInfo.risks.map(risk => (
+            <div key={risk.value || risk.label} className="rounded-md border bg-muted/35 px-3 py-2.5">
+              <span className="text-sm font-medium leading-5 text-foreground">{risk.label}</span>
+              {risk.desc ? (
+                <p className="mt-1 text-xs leading-5 text-muted-foreground">{risk.desc}</p>
+              ) : null}
+            </div>
           ))
+        ) : riskInfo?.risk_labels.length ? (
+          <div className="flex flex-wrap gap-2">
+            {riskInfo.risk_labels.map(label => (
+              <Badge key={label} variant="secondary">
+                {label}
+              </Badge>
+            ))}
+          </div>
         ) : (
           <span className="text-sm text-muted-foreground">暂无风险标签详情</span>
         )}
diff --git a/frontend/lib/services/core/api-client.ts b/frontend/lib/services/core/api-client.ts
index 30f1262..ff94a7c 100644
--- a/frontend/lib/services/core/api-client.ts
+++ b/frontend/lib/services/core/api-client.ts
@@ -39,36 +39,77 @@ const pendingRequests = new Map<string, Promise<AxiosResponse<ApiResponse>>>();
 
 const RISK_LEVEL_HEADER = 'x-credit-risk-level';
 const RISK_LABELS_HEADER = 'x-credit-risk-labels';
+const RISK_ITEMS_HEADER = 'x-credit-risks';
 const RISK_BLOCKED_CODE = 'RISK_BLOCKED';
 const RISK_BLOCKED_EVENT = 'credit-risk-blocked';
 
+interface RiskItem {
+  label: string;
+  value?: string;
+  desc?: string;
+}
+
 interface RiskInfo {
   risk_level: string;
   risk_labels: string[];
+  risks: RiskItem[];
 }
 
-function decodeRiskLabels(value?: string): string[] {
+function decodeBase64JSON(value?: string): unknown {
   if (!value || typeof window === 'undefined') return [];
 
   try {
     const binary = window.atob(value);
     const bytes = Uint8Array.from(binary, char => char.charCodeAt(0));
     const json = new TextDecoder().decode(bytes);
-    const labels = JSON.parse(json);
-    return Array.isArray(labels) ? labels.filter((label): label is string => typeof label === 'string') : [];
+    return JSON.parse(json);
   } catch {
     return [];
   }
 }
 
+function normalizeRiskItems(value: unknown): RiskItem[] {
+  if (!Array.isArray(value)) return [];
+
+  return value.reduce<RiskItem[]>((items, item) => {
+    if (!item || typeof item !== 'object') return items;
+
+    const label = 'label' in item ? (item as { label?: unknown }).label : undefined;
+    if (typeof label !== 'string' || !label.trim()) return items;
+
+    const value = 'value' in item ? (item as { value?: unknown }).value : undefined;
+    const desc = 'desc' in item ? (item as { desc?: unknown }).desc : undefined;
+    items.push({
+      label: label.trim(),
+      value: typeof value === 'string' ? value.trim() : undefined,
+      desc: typeof desc === 'string' ? desc.trim() : undefined,
+    });
+
+    return items;
+  }, []);
+}
+
+function normalizeRiskLabels(value: unknown): string[] {
+  return Array.isArray(value) ? value.filter((label): label is string => typeof label === 'string' && !!label.trim()).map(label => label.trim()) : [];
+}
+
+function riskLabelsFromItems(items: RiskItem[]): string[] {
+  return items.map(item => item.label).filter(Boolean);
+}
+
 function riskInfoFromHeaders(headers: AxiosResponse['headers']): RiskInfo | null {
   const riskLevel = headers[RISK_LEVEL_HEADER];
   if (typeof riskLevel !== 'string' || !riskLevel) return null;
 
   const riskLabelsHeader = headers[RISK_LABELS_HEADER];
+  const riskItemsHeader = headers[RISK_ITEMS_HEADER];
+  const risks = typeof riskItemsHeader === 'string' ? normalizeRiskItems(decodeBase64JSON(riskItemsHeader)) : [];
+  const labels = typeof riskLabelsHeader === 'string' ? normalizeRiskLabels(decodeBase64JSON(riskLabelsHeader)) : riskLabelsFromItems(risks);
+
   return {
     risk_level: riskLevel,
-    risk_labels: typeof riskLabelsHeader === 'string' ? decodeRiskLabels(riskLabelsHeader) : [],
+    risk_labels: labels,
+    risks,
   };
 }
 
@@ -77,11 +118,16 @@ function riskInfoFromDetails(details: unknown): RiskInfo | null {
 
   const riskLevel = 'risk_level' in details ? (details as { risk_level?: unknown }).risk_level : undefined;
   const riskLabels = 'risk_labels' in details ? (details as { risk_labels?: unknown }).risk_labels : undefined;
+  const riskItems = 'risks' in details ? (details as { risks?: unknown }).risks : undefined;
   if (typeof riskLevel !== 'string' || !riskLevel) return null;
 
+  const risks = normalizeRiskItems(riskItems);
+  const labels = normalizeRiskLabels(riskLabels);
+
   return {
     risk_level: riskLevel,
-    risk_labels: Array.isArray(riskLabels) ? riskLabels.filter((label): label is string => typeof label === 'string') : [],
+    risk_labels: labels.length ? labels : riskLabelsFromItems(risks),
+    risks,
   };
 }
 
diff --git a/internal/apps/oauth/risk.go b/internal/apps/oauth/risk.go
index 42f87a9..5358a15 100644
--- a/internal/apps/oauth/risk.go
+++ b/internal/apps/oauth/risk.go
@@ -40,6 +40,7 @@ const (
 
 	riskLevelHeader  = "X-Credit-Risk-Level"
 	riskLabelsHeader = "X-Credit-Risk-Labels"
+	riskItemsHeader  = "X-Credit-Risks"
 	exposeHeader     = "Access-Control-Expose-Headers"
 
 	riskBlockedCode = "RISK_BLOCKED"
@@ -49,6 +50,7 @@ const (
 type openAPIUserRiskItem struct {
 	Label string `json:"label"`
 	Value string `json:"value"`
+	Desc  string `json:"desc"`
 }
 
 type openAPIUserRiskResponse struct {
@@ -58,8 +60,9 @@ type openAPIUserRiskResponse struct {
 }
 
 type riskBlockDetails struct {
-	RiskLevel  string   `json:"risk_level"`
-	RiskLabels []string `json:"risk_labels"`
+	RiskLevel  string                `json:"risk_level"`
+	RiskLabels []string              `json:"risk_labels"`
+	Risks      []openAPIUserRiskItem `json:"risks"`
 }
 
 func checkOpenAPIUserRisk(ctx context.Context, userID uint64) (*openAPIUserRiskResponse, bool) {
@@ -143,37 +146,46 @@ func applyOpenAPIUserRisk(c *gin.Context, risk *openAPIUserRiskResponse) bool {
 	}
 
 	labels := riskLabels(risk)
+	items := riskItems(risk)
 	cfg := config.Config.OpenAPIRisk
 	if containsString(cfg.BlockRiskLevels, risk.RiskLevel) {
-		setRiskHeaders(c, risk.RiskLevel, labels)
+		setRiskHeaders(c, risk.RiskLevel, labels, items)
 		c.AbortWithStatusJSON(http.StatusForbidden, gin.H{
 			"error_code": riskBlockedCode,
 			"error_msg":  riskBlockedMsg,
 			"details": riskBlockDetails{
 				RiskLevel:  risk.RiskLevel,
 				RiskLabels: labels,
+				Risks:      items,
 			},
 		})
 		return true
 	}
 
 	if containsString(cfg.PromptRiskLevels, risk.RiskLevel) {
-		setRiskHeaders(c, risk.RiskLevel, labels)
+		setRiskHeaders(c, risk.RiskLevel, labels, items)
 	}
 
 	return false
 }
 
-func setRiskHeaders(c *gin.Context, riskLevel string, labels []string) {
+func setRiskHeaders(c *gin.Context, riskLevel string, labels []string, items []openAPIUserRiskItem) {
 	labelsJSON, err := json.Marshal(labels)
 	if err != nil {
 		logger.ErrorF(c.Request.Context(), "[OpenAPIRisk] marshal risk labels failed: %v", err)
 		return
 	}
 
+	itemsJSON, err := json.Marshal(items)
+	if err != nil {
+		logger.ErrorF(c.Request.Context(), "[OpenAPIRisk] marshal risk items failed: %v", err)
+		return
+	}
+
 	c.Header(riskLevelHeader, riskLevel)
 	c.Header(riskLabelsHeader, base64.StdEncoding.EncodeToString(labelsJSON))
-	appendExposeHeaders(c, riskLevelHeader, riskLabelsHeader)
+	c.Header(riskItemsHeader, base64.StdEncoding.EncodeToString(itemsJSON))
+	appendExposeHeaders(c, riskLevelHeader, riskLabelsHeader, riskItemsHeader)
 }
 
 func appendExposeHeaders(c *gin.Context, names ...string) {
@@ -214,6 +226,20 @@ func riskLabels(risk *openAPIUserRiskResponse) []string {
 	return labels
 }
 
+func riskItems(risk *openAPIUserRiskResponse) []openAPIUserRiskItem {
+	items := make([]openAPIUserRiskItem, 0, len(risk.Risks))
+	for _, item := range risk.Risks {
+		item.Label = strings.TrimSpace(item.Label)
+		item.Value = strings.TrimSpace(item.Value)
+		item.Desc = strings.TrimSpace(item.Desc)
+		if item.Label == "" {
+			continue
+		}
+		items = append(items, item)
+	}
+	return items
+}
+
 func containsString(values []string, target string) bool {
 	target = strings.TrimSpace(target)
 	for _, value := range values {