diff --git a/addons/shopro_huifu/README.md b/addons/shopro_huifu/README.md
index 6482ebd..2706886 100644
--- a/addons/shopro_huifu/README.md
+++ b/addons/shopro_huifu/README.md
@@ -95,15 +95,15 @@ php think shopro_huifu:verify
 # 1) 导入内置种子（约 120 条，主要城市 + 贵州/广东，无需下载）
 php think shopro_huifu:import-bank-branch --seed
 
-# 2) 自动下载全国 CSV 并导入（约 20MB，来源 gweesin/CNAPS）
+# 2) 下载 CSV 并导入（默认 main：主要省市 + 四大行/农商行，约5万条）
 php think shopro_huifu:import-bank-branch --download
 
 # 3) 手动下载后导入（下载失败时用）
 # https://hf-mirror.com/datasets/gweesin/CNAPS/resolve/main/cnaps.csv
 php think shopro_huifu:import-bank-branch --file=addons/shopro_huifu/data/cnaps.csv
 
-# 增量导入（默认跳过已存在联行号，不清库）
-php think shopro_huifu:import-bank-branch --file=addons/shopro_huifu/data/cnaps.csv
+# 全国全量约15万（一般不需要）
+php think shopro_huifu:import-bank-branch --file=addons/shopro_huifu/data/cnaps.csv --preset=full
 
 # 校验库内重复
 php think shopro_huifu:import-bank-branch --check
diff --git a/addons/shopro_huifu/command/ImportBankBranch.php b/addons/shopro_huifu/command/ImportBankBranch.php
index 69b943c..39a7fc2 100644
--- a/addons/shopro_huifu/command/ImportBankBranch.php
+++ b/addons/shopro_huifu/command/ImportBankBranch.php
@@ -22,6 +22,7 @@ class ImportBankBranch extends Command
             ->addOption('truncate', 't', Option::VALUE_NONE, 'Clear table before import (optional, default skip existing)')
             ->addOption('update-existing', 'u', Option::VALUE_NONE, 'Update rows when branch_code already exists')
             ->addOption('check', 'c', Option::VALUE_NONE, 'Check duplicate branch_code / branch_name in DB only')
+            ->addOption('preset', 'p', Option::VALUE_OPTIONAL, 'Import scope: main(~50k, default) / full(all)', 'main')
             ->addOption('limit', 'l', Option::VALUE_OPTIONAL, 'Max rows to import (0=all)', 0)
             ->addOption('batch', 'b', Option::VALUE_OPTIONAL, 'Batch size', 500)
             ->addOption('format', null, Option::VALUE_OPTIONAL, 'Force format: csv|json|auto', 'auto')
@@ -32,6 +33,8 @@ class ImportBankBranch extends Command
 
     protected function execute(Input $input, Output $output)
     {
+        @ini_set('memory_limit', '256M');
+
         $exportJson = trim((string) $input->getOption('export-json'));
         if ($exportJson !== '') {
             return $this->exportJson($output, $exportJson, (int) $input->getOption('export-limit'));
@@ -59,8 +62,14 @@ class ImportBankBranch extends Command
         $download = (bool) $input->getOption('download');
         $seed = (bool) $input->getOption('seed');
 
+        $preset = trim((string) $input->getOption('preset'));
+        if ($preset === '') {
+            $preset = 'main';
+        }
+
         if ($seed) {
             $file = ADDON_PATH . 'shopro_huifu/data/bank_branches.json';
+            $preset = 'full';
         } elseif ($download) {
             $output->writeln('正在下载全国联行号 CSV（约 20MB，来源 gweesin/CNAPS）...');
             try {
@@ -86,9 +95,14 @@ class ImportBankBranch extends Command
             }
         }
 
+        if ($seed || strtolower(pathinfo($file, PATHINFO_EXTENSION)) === 'json') {
+            $preset = 'full';
+        }
+
         $options = [
             'truncate' => (bool) $input->getOption('truncate'),
             'update_existing' => (bool) $input->getOption('update-existing'),
+            'preset' => $preset,
             'limit' => (int) $input->getOption('limit'),
             'batch' => (int) $input->getOption('batch'),
             'format' => (string) $input->getOption('format'),
@@ -96,6 +110,7 @@ class ImportBankBranch extends Command
         ];
 
         $output->writeln('导入文件: ' . $file);
+        $output->writeln('导入范围: ' . ($preset === 'full' ? '全国全量（约15万）' : '主要省市 + 四大行/农商行等（约5万）'));
         if ($options['dry_run']) {
             $output->writeln('[dry-run] 仅解析，不写入数据库');
         }
@@ -113,11 +128,13 @@ class ImportBankBranch extends Command
         }
 
         $output->writeln(sprintf(
-            '完成: 解析 %d 行，新增 %d，更新 %d，跳过已存在 %d，文件内重复 %d，无效 %d',
+            '完成: 解析 %d 行，命中 %d 行，新增 %d，更新 %d，跳过已存在 %d，范围外 %d，文件内重复 %d，无效 %d',
             $stats['parsed'] ?? 0,
+            $stats['matched'] ?? 0,
             $stats['inserted'],
             $stats['updated'],
             $stats['skipped_existing'] ?? 0,
+            $stats['skipped_filtered'] ?? 0,
             $stats['duplicate_in_file'] ?? 0,
             $stats['skipped_invalid'] ?? 0
         ));
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImportFilter.php b/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImportFilter.php
new file mode 100644
index 0000000..a9e3059
--- /dev/null
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImportFilter.php
@@ -0,0 +1,138 @@
+<?php
+
+namespace addons\shopro_huifu\library\onboard;
+
+/**
+ * 联行号导入范围过滤（默认 main ≈ 5 万条：主要省市 + 四大行/农商行等常用银行）
+ */
+class HuifuOnboardBankBranchImportFilter
+{
+    public static function resolvePreset($preset)
+    {
+        $preset = strtolower(trim((string) $preset));
+        if ($preset === '' || $preset === 'main') {
+            return self::mainPreset();
+        }
+        if ($preset === 'full') {
+            return ['enabled' => false, 'name' => 'full'];
+        }
+        throw new \InvalidArgumentException('未知 preset: ' . $preset . '，可选 main / full');
+    }
+
+    protected static function mainPreset()
+    {
+        return [
+            'enabled' => true,
+            'name' => 'main',
+            'description' => '主要省市 + 四大行/交邮/农商行等，约5万条',
+            'bank_keywords' => [
+                '工商银行',
+                '农业银行',
+                '中国银行',
+                '建设银行',
+                '交通银行',
+                '邮储银行',
+                '邮政储蓄',
+                '农村商业银行',
+                '农村合作银行',
+                '农村信用',
+                '农商行',
+                '信用社',
+                '村镇银行',
+                '农信',
+            ],
+            'major_provinces' => [
+                '北京', '上海', '天津', '重庆',
+                '河北', '山西', '辽宁', '吉林', '黑龙江',
+                '江苏', '浙江', '安徽', '福建', '江西', '山东', '河南', '湖北', '湖南', '广东', '海南',
+                '四川', '贵州', '云南', '陕西', '甘肃',
+                '内蒙古', '广西', '宁夏', '新疆',
+            ],
+            'major_cities' => [
+                '北京', '上海', '天津', '重庆',
+                '广州', '深圳', '东莞', '佛山', '珠海', '中山', '惠州', '汕头', '湛江',
+                '杭州', '宁波', '温州', '嘉兴', '金华', '绍兴', '台州',
+                '南京', '苏州', '无锡', '常州', '南通', '徐州',
+                '成都', '绵阳', '德阳',
+                '武汉', '宜昌', '襄阳',
+                '长沙', '株洲', '湘潭',
+                '郑州', '洛阳',
+                '西安', '咸阳',
+                '合肥', '芜湖',
+                '福州', '厦门', '泉州',
+                '济南', '青岛', '烟台', '潍坊',
+                '沈阳', '大连',
+                '哈尔滨', '长春',
+                '石家庄', '唐山', '保定',
+                '太原',
+                '南昌', '赣州',
+                '昆明', '曲靖',
+                '贵阳', '遵义', '安顺', '毕节', '铜仁',
+                '南宁', '桂林', '柳州',
+                '海口', '三亚',
+                '兰州',
+                '乌鲁木齐', '呼和浩特',
+                '银川',
+                '拉萨', '西宁',
+                '韶关', '江门', '肇庆', '清远', '茂名', '梅州',
+            ],
+            'max_matched' => 55000,
+        ];
+    }
+
+    public static function matches(array $row, array $preset)
+    {
+        if (empty($preset['enabled'])) {
+            return true;
+        }
+
+        if (!self::matchBank($row, $preset['bank_keywords'] ?? [])) {
+            return false;
+        }
+
+        return self::matchRegion($row, $preset);
+    }
+
+    protected static function matchBank(array $row, array $keywords)
+    {
+        $text = self::rowText($row, ['branch_name', 'LName', 'bank_name', 'BankName']);
+        foreach ($keywords as $keyword) {
+            if ($keyword !== '' && mb_strpos($text, $keyword, 0, 'UTF-8') !== false) {
+                return true;
+            }
+        }
+        return false;
+    }
+
+    protected static function matchRegion(array $row, array $preset)
+    {
+        $province = self::rowText($row, ['province', 'ProvinceName']);
+        $city = self::rowText($row, ['city', 'CityName']);
+        $branchName = self::rowText($row, ['branch_name', 'LName']);
+
+        foreach ($preset['major_provinces'] ?? [] as $name) {
+            if ($name !== '' && (mb_strpos($province, $name, 0, 'UTF-8') !== false || mb_strpos($branchName, $name, 0, 'UTF-8') !== false)) {
+                return true;
+            }
+        }
+
+        foreach ($preset['major_cities'] ?? [] as $name) {
+            if ($name !== '' && (mb_strpos($city, $name, 0, 'UTF-8') !== false || mb_strpos($branchName, $name, 0, 'UTF-8') !== false)) {
+                return true;
+            }
+        }
+
+        return false;
+    }
+
+    protected static function rowText(array $row, array $keys)
+    {
+        $parts = [];
+        foreach ($keys as $key) {
+            if (!empty($row[$key])) {
+                $parts[] = trim((string) $row[$key]);
+            }
+        }
+        return implode(' ', $parts);
+    }
+}
diff --git a/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImporter.php b/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImporter.php
index cc1a390..90790dd 100644
--- a/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImporter.php
+++ b/addons/shopro_huifu/library/onboard/HuifuOnboardBankBranchImporter.php
@@ -8,9 +8,6 @@ class HuifuOnboardBankBranchImporter
 {
     protected static $areaNameMap;
 
-    /** @var array<string, bool> */
-    protected static $existingCodes;
-
     /** @var array<string, bool> */
     protected static $seenCodes;
 
@@ -34,73 +31,195 @@ class HuifuOnboardBankBranchImporter
         $dryRun = !empty($options['dry_run']);
         $truncate = !empty($options['truncate']);
         $updateExisting = !empty($options['update_existing']);
+        $preset = HuifuOnboardBankBranchImportFilter::resolvePreset($options['preset'] ?? 'main');
 
         if ($truncate && !$dryRun) {
             Db::name('shopro_huifu_bank_branch')->where('id', '>', 0)->delete();
         }
 
-        self::$existingCodes = null;
         self::$seenCodes = [];
-        if (!$dryRun) {
-            self::loadExistingCodes();
+
+        if ($format === 'json') {
+            $rows = self::parseJsonFile($file, $limit);
+            $stats = self::emptyImportStats();
+            $stats['parsed'] = count($rows);
+            return self::importRowIterator($rows, $stats, [
+                'batch' => $batch,
+                'dry_run' => $dryRun,
+                'update_existing' => $updateExisting,
+                'preset' => $preset,
+            ]);
         }
 
-        $rows = $format === 'json'
-            ? self::parseJsonFile($file, $limit)
-            : self::parseCsvFile($file, $limit);
-
-        $inserted = 0;
-        $updated = 0;
-        $skippedInvalid = 0;
-        $skippedExisting = 0;
-        $duplicateInFile = 0;
-        $buffer = [];
-        $flushOptions = [
+        return self::importCsvStream($file, [
+            'limit' => $limit,
+            'batch' => $batch,
             'dry_run' => $dryRun,
             'update_existing' => $updateExisting,
-        ];
+            'preset' => $preset,
+        ]);
+    }
+
+    /**
+     * @param array{limit:int,batch:int,dry_run:bool,update_existing:bool} $options
+     */
+    protected static function importCsvStream($file, array $options)
+    {
+        $handle = fopen($file, 'rb');
+        if (!$handle) {
+            throw new \RuntimeException('无法读取 CSV: ' . $file);
+        }
+
+        $limit = max(0, (int) ($options['limit'] ?? 0));
+        $header = null;
+        $stats = self::emptyImportStats();
+        $buffer = [];
+        $flushOptions = [
+            'dry_run' => !empty($options['dry_run']),
+            'update_existing' => !empty($options['update_existing']),
+        ];
+        $batch = max(50, min(2000, (int) ($options['batch'] ?? 500)));
+        $preset = $options['preset'] ?? HuifuOnboardBankBranchImportFilter::resolvePreset('main');
+        $matched = 0;
+        $maxMatched = (int) ($preset['max_matched'] ?? 0);
+
+        while (($line = fgetcsv($handle)) !== false) {
+            if (!$line || self::isEmptyCsvLine($line)) {
+                continue;
+            }
+            if ($header === null) {
+                $header = self::normalizeHeader($line);
+                continue;
+            }
+
+            $stats['parsed']++;
+            $row = self::mapCsvLine($header, $line);
+            if (!$row) {
+                continue;
+            }
+
+            if (!HuifuOnboardBankBranchImportFilter::matches($row, $preset)) {
+                $stats['skipped_filtered']++;
+                if ($limit > 0 && $stats['parsed'] >= $limit) {
+                    break;
+                }
+                continue;
+            }
+
+            $matched++;
+            if ($maxMatched > 0 && $matched > $maxMatched) {
+                break;
+            }
 
-        foreach ($rows as $row) {
             $normalized = self::normalizeRow($row);
             if (!$normalized) {
-                $skippedInvalid++;
-                continue;
+                $stats['skipped_invalid']++;
+            } elseif (isset(self::$seenCodes[$normalized['branch_code']])) {
+                $stats['duplicate_in_file']++;
+            } else {
+                self::$seenCodes[$normalized['branch_code']] = true;
+                $buffer[] = $normalized;
             }
-            $code = $normalized['branch_code'];
-            if (isset(self::$seenCodes[$code])) {
-                $duplicateInFile++;
-                continue;
-            }
-            self::$seenCodes[$code] = true;
 
-            $buffer[] = $normalized;
             if (count($buffer) >= $batch) {
-                $stats = self::flushBuffer($buffer, $flushOptions);
-                $inserted += $stats['inserted'];
-                $updated += $stats['updated'];
-                $skippedExisting += $stats['skipped_existing'];
+                self::mergeImportStats($stats, self::flushBuffer($buffer, $flushOptions));
+                $buffer = [];
+            }
+
+            if ($limit > 0 && $stats['parsed'] >= $limit) {
+                break;
+            }
+        }
+        fclose($handle);
+
+        if ($buffer) {
+            self::mergeImportStats($stats, self::flushBuffer($buffer, $flushOptions));
+        }
+
+        $stats['matched'] = $matched;
+        $stats['preset'] = $preset['name'] ?? 'main';
+        $stats['total'] = $stats['inserted'] + $stats['updated'];
+        return $stats;
+    }
+
+    /**
+     * @param array<int, array<string, mixed>> $rows
+     * @param array{batch:int,dry_run:bool,update_existing:bool,preset?:array} $options
+     */
+    protected static function importRowIterator(array $rows, array $stats, array $options)
+    {
+        $buffer = [];
+        $batch = max(50, min(2000, (int) ($options['batch'] ?? 500)));
+        $flushOptions = [
+            'dry_run' => !empty($options['dry_run']),
+            'update_existing' => !empty($options['update_existing']),
+        ];
+
+        $preset = $options['preset'] ?? HuifuOnboardBankBranchImportFilter::resolvePreset('main');
+        $matched = 0;
+        $maxMatched = (int) ($preset['max_matched'] ?? 0);
+
+        foreach ($rows as $row) {
+            if (!HuifuOnboardBankBranchImportFilter::matches($row, $preset)) {
+                $stats['skipped_filtered']++;
+                continue;
+            }
+            $matched++;
+            if ($maxMatched > 0 && $matched > $maxMatched) {
+                break;
+            }
+
+            $normalized = self::normalizeRow($row);
+            if (!$normalized) {
+                $stats['skipped_invalid']++;
+                continue;
+            }
+            if (isset(self::$seenCodes[$normalized['branch_code']])) {
+                $stats['duplicate_in_file']++;
+                continue;
+            }
+            self::$seenCodes[$normalized['branch_code']] = true;
+            $buffer[] = $normalized;
+
+            if (count($buffer) >= $batch) {
+                self::mergeImportStats($stats, self::flushBuffer($buffer, $flushOptions));
                 $buffer = [];
             }
         }
 
         if ($buffer) {
-            $stats = self::flushBuffer($buffer, $flushOptions);
-            $inserted += $stats['inserted'];
-            $updated += $stats['updated'];
-            $skippedExisting += $stats['skipped_existing'];
+            self::mergeImportStats($stats, self::flushBuffer($buffer, $flushOptions));
         }
 
+        $stats['matched'] = $matched;
+        $stats['preset'] = $preset['name'] ?? 'main';
+        $stats['total'] = $stats['inserted'] + $stats['updated'];
+        return $stats;
+    }
+
+    protected static function emptyImportStats()
+    {
         return [
-            'inserted' => $inserted,
-            'updated' => $updated,
-            'skipped_invalid' => $skippedInvalid,
-            'skipped_existing' => $skippedExisting,
-            'duplicate_in_file' => $duplicateInFile,
-            'parsed' => count($rows),
-            'total' => $inserted + $updated,
+            'inserted' => 0,
+            'updated' => 0,
+            'skipped_invalid' => 0,
+            'skipped_existing' => 0,
+            'skipped_filtered' => 0,
+            'duplicate_in_file' => 0,
+            'matched' => 0,
+            'parsed' => 0,
+            'preset' => 'main',
+            'total' => 0,
         ];
     }
 
+    protected static function mergeImportStats(array &$base, array $chunk)
+    {
+        foreach (['inserted', 'updated', 'skipped_existing'] as $key) {
+            $base[$key] += (int) ($chunk[$key] ?? 0);
+        }
+    }
+
     /**
      * 校验库内重复联行号 / 同名不同号
      *
@@ -224,35 +343,6 @@ class HuifuOnboardBankBranchImporter
         return $decoded;
     }
 
-    protected static function parseCsvFile($file, $limit = 0)
-    {
-        $handle = fopen($file, 'rb');
-        if (!$handle) {
-            throw new \RuntimeException('无法读取 CSV: ' . $file);
-        }
-
-        $header = null;
-        $rows = [];
-        while (($line = fgetcsv($handle)) !== false) {
-            if (!$line || self::isEmptyCsvLine($line)) {
-                continue;
-            }
-            if ($header === null) {
-                $header = self::normalizeHeader($line);
-                continue;
-            }
-            $assoc = self::mapCsvLine($header, $line);
-            if ($assoc) {
-                $rows[] = $assoc;
-            }
-            if ($limit > 0 && count($rows) >= $limit) {
-                break;
-            }
-        }
-        fclose($handle);
-        return $rows;
-    }
-
     protected static function normalizeHeader(array $header)
     {
         $map = [];
@@ -498,18 +588,6 @@ class HuifuOnboardBankBranchImporter
         return strtolower($level . '|' . HuifuOnboardAreaHelper::toCode($provId) . '|' . $name);
     }
 
-    protected static function loadExistingCodes()
-    {
-        if (self::$existingCodes !== null) {
-            return;
-        }
-        self::$existingCodes = [];
-        $codes = Db::name('shopro_huifu_bank_branch')->column('branch_code');
-        foreach ($codes ?: [] as $code) {
-            self::$existingCodes[(string) $code] = true;
-        }
-    }
-
     /**
      * @param array<int, array<string, mixed>> $rows
      * @param array{dry_run?:bool,update_existing?:bool} $options
@@ -517,28 +595,23 @@ class HuifuOnboardBankBranchImporter
      */
     protected static function flushBuffer(array $rows, array $options = [])
     {
+        if (!$rows) {
+            return ['inserted' => 0, 'updated' => 0, 'skipped_existing' => 0];
+        }
+
         $dryRun = !empty($options['dry_run']);
         $updateExisting = !empty($options['update_existing']);
         $inserted = 0;
         $updated = 0;
         $skippedExisting = 0;
-
-        if ($dryRun) {
-            foreach ($rows as $row) {
-                if (isset(self::$existingCodes[$row['branch_code']])) {
-                    $skippedExisting++;
-                } else {
-                    $inserted++;
-                }
-            }
-            return ['inserted' => $inserted, 'updated' => 0, 'skipped_existing' => $skippedExisting];
-        }
+        $codes = array_column($rows, 'branch_code');
+        $existingSet = self::lookupExistingCodes($codes);
 
         $toInsert = [];
         foreach ($rows as $row) {
-            $code = $row['branch_code'];
-            if (isset(self::$existingCodes[$code])) {
-                if ($updateExisting) {
+            $code = (string) $row['branch_code'];
+            if (isset($existingSet[$code])) {
+                if ($updateExisting && !$dryRun) {
                     Db::name('shopro_huifu_bank_branch')->where('branch_code', $code)->update([
                         'branch_name' => $row['branch_name'],
                         'bank_name' => $row['bank_name'],
@@ -552,8 +625,12 @@ class HuifuOnboardBankBranchImporter
                 }
                 continue;
             }
+            if ($dryRun) {
+                $inserted++;
+                continue;
+            }
             $toInsert[] = $row;
-            self::$existingCodes[$code] = true;
+            $existingSet[$code] = true;
         }
 
         if ($toInsert) {
@@ -564,6 +641,24 @@ class HuifuOnboardBankBranchImporter
         return ['inserted' => $inserted, 'updated' => $updated, 'skipped_existing' => $skippedExisting];
     }
 
+    /**
+     * @param array<int, string> $codes
+     * @return array<string, bool>
+     */
+    protected static function lookupExistingCodes(array $codes)
+    {
+        $codes = array_values(array_unique(array_filter(array_map('strval', $codes))));
+        if (!$codes) {
+            return [];
+        }
+        $existing = Db::name('shopro_huifu_bank_branch')->where('branch_code', 'in', $codes)->column('branch_code');
+        $set = [];
+        foreach ($existing ?: [] as $code) {
+            $set[(string) $code] = true;
+        }
+        return $set;
+    }
+
     protected static function downloadToFile($url, $dest)
     {
         if (function_exists('curl_init')) {