diff --git a/nac-admin/server/ragRetrieval.ts b/nac-admin/server/ragRetrieval.ts
new file mode 100644
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--- /dev/null
+++ b/nac-admin/server/ragRetrieval.ts
@@ -0,0 +1,533 @@
+/**
+ * NAC Knowledge Engine - RAG检索增强模块 v3.0
+ *
+ * 功能：从MongoDB知识库中检索与用户问题最相关的合规规则条文，
+ *       作为上下文注入到AI Agent的提示词中，提升回答的准确性和可溯源性。
+ *
+ * 检索策略（四层递进）：
+ *   1. 意图识别 - 提取辖区、资产类别、规则类型等结构化信息
+ *   2. MongoDB全文检索（$text index）- 关键词精确匹配
+ *   3. 正则关键词匹配 - 覆盖全文索引未命中的情况
+ *   4. 随机采样 - 兜底策略，确保始终有上下文
+ *
+ * v3.0 新增：jieba中文分词增强（工单 NAC-AI-2026-006）
+ *   - 通过Python子进程调用jieba分词库，替代简单正则匹配
+ *   - LRU缓存（500条）避免重复分词
+ *   - 500ms超时保护，超时自动降级到正则方案
+ *   - NAC专业词典：CBPP/CNNL/XTZH等30+专业术语
+ *
+ * 支持两种规则文档格式：
+ *   - 旧格式：{ ruleId, ruleName, jurisdiction, category, content }
+ *   - 新格式（贸易规则）：{ ruleId, ruleName, jurisdiction, assetClass, ruleType, content, contentEn, ownershipRequirements, tradingRequirements }
+ */
+
+import { getMongoDb, COLLECTIONS } from "./mongodb";
+import { execSync } from "child_process";
+
+// ─── jieba中文分词模块（NAC-AI-2026-006）────────────────────────────
+const _jiebaCache = new Map<string, string[]>();
+const _NAC_WORDS = [
+  "CBPP", "CNNL", "CSNP", "NRPC", "NVM", "Charter", "GNACS", "XTZH", "XIC",
+  "ACC-20", "ACC-721", "ACC-20C", "RWA", "NAC公链", "宪法收据", "宪政区块",
+  "合规验证", "七层合规", "流体区块", "主权地址", "当铺协议", "量子浏览器",
+  "宪法执行引擎", "CEE", "CBP", "DID", "KYC", "AML", "CFT",
+  "稳定币", "治理代币", "资产上链", "跨链合规", "司法辖区",
+  "香港SFC", "新加坡MAS", "欧盟MiCA", "美国SEC", "阿联酋DFSA",
+  "不动产", "大宗商品", "金融资产", "艺术品", "知识产权",
+  "SDR锚定", "黄金储备", "储备证明", "熔断机制",
+];
+
+function _jiebaTokenize(text: string): string[] {
+  const key = text.slice(0, 100);
+  if (_jiebaCache.has(key)) return _jiebaCache.get(key)!;
+  try {
+    const escaped = text.replace(/\\/g, "\\\\").replace(/'/g, "'\\''").replace(/\n/g, " ").slice(0, 400);
+    const customWordsJson = JSON.stringify(_NAC_WORDS);
+    const script = `import jieba,jieba.analyse,json\n[jieba.add_word(w,freq=1000) for w in ${customWordsJson}]\nkws=jieba.analyse.extract_tags('${escaped}',topK=12,withWeight=False)\nkws=[k for k in kws if len(k)>=2]\nprint(json.dumps(kws,ensure_ascii=False))`;
+    const result = execSync(`python3 -c "${script.replace(/"/g, '\\"')}"`, { timeout: 500, encoding: "utf8" }).trim();
+    const tokens = JSON.parse(result) as string[];
+    if (_jiebaCache.size >= 500) { const first = _jiebaCache.keys().next().value; if (first) _jiebaCache.delete(first); }
+    _jiebaCache.set(key, tokens);
+    return tokens;
+  } catch {
+    return text.match(/[\u4e00-\u9fa5]{2,8}/g) || [];
+  }
+}
+
+// ─── 类型定义 ─────────────────────────────────────────────────────
+
+export interface RetrievedRule {
+  ruleId: string;
+  ruleName: string;
+  jurisdiction: string;
+  category: string;
+  assetClass?: string;
+  ruleType?: string;
+  content: string;
+  description?: string;
+  score: number;
+  source: string;
+  // 贸易规则扩展字段
+  ownershipRequirements?: Record<string, unknown>;
+  tradingRequirements?: Record<string, unknown>;
+  legalBasis?: string;
+  sourceUrl?: string;
+  complianceLevel?: string;
+  tags?: string[];
+}
+
+export interface RAGContext {
+  rules: RetrievedRule[];
+  totalFound: number;
+  retrievalMethod: "fulltext" | "regex" | "structured" | "sample" | "none";
+  queryKeywords: string[];
+  detectedJurisdiction?: string;
+  detectedAssetClass?: string;
+  detectedRuleType?: string;
+}
+
+// ─── 意图识别：辖区/资产类别/规则类型映射 ──────────────────────────
+
+const JURISDICTION_MAP: Record<string, string> = {
+  // 中文 → 代码
+  "美国": "US", "美利坚": "US",
+  "欧盟": "EU", "欧洲": "EU",
+  "英国": "GB", "英格兰": "GB",
+  "香港": "HK", "港": "HK",
+  "新加坡": "SG", "狮城": "SG",
+  "迪拜": "AE", "阿联酋": "AE", "阿布扎比": "AE",
+  "中国": "CN", "大陆": "CN", "内地": "CN",
+  "日本": "JP",
+  "澳大利亚": "AU", "澳洲": "AU",
+  "瑞士": "CH",
+  "韩国": "KR",
+  "加拿大": "CA",
+  "德国": "DE",
+  "法国": "FR",
+  "开曼": "KY", "开曼群岛": "KY",
+  "英属维尔京": "VG", "BVI": "VG",
+  "巴哈马": "BS",
+  "百慕大": "BM",
+  // 英文代码直接映射
+  "US": "US", "EU": "EU", "GB": "GB", "HK": "HK", "SG": "SG",
+  "AE": "AE", "CN": "CN", "JP": "JP", "AU": "AU", "CH": "CH",
+  "KR": "KR", "CA": "CA", "DE": "DE", "FR": "FR",
+};
+
+const ASSET_CLASS_MAP: Record<string, string> = {
+  // 房地产
+  "房地产": "RealEstate", "不动产": "RealEstate", "房产": "RealEstate",
+  "商业地产": "RealEstate", "住宅": "RealEstate", "写字楼": "RealEstate",
+  "REITs": "RealEstate", "REIT": "RealEstate", "房地产投资信托": "RealEstate",
+  // 金融证券
+  "证券": "FinancialSecurities", "股票": "FinancialSecurities", "债券": "FinancialSecurities",
+  "基金": "FinancialSecurities", "期货": "FinancialSecurities", "期权": "FinancialSecurities",
+  "security": "FinancialSecurities", "securities": "FinancialSecurities",
+  // 大宗商品
+  "大宗商品": "Commodities", "黄金": "Commodities", "白银": "Commodities",
+  "原油": "Commodities", "铜": "Commodities", "铁矿石": "Commodities",
+  "农产品": "Commodities", "粮食": "Commodities",
+  // 数字资产
+  "数字资产": "DigitalAssets", "加密资产": "DigitalAssets", "虚拟资产": "DigitalAssets",
+  "代币": "DigitalAssets", "Token": "DigitalAssets", "NFT": "DigitalAssets",
+  "稳定币": "DigitalAssets", "XTZH": "DigitalAssets",
+  // 碳排放权
+  "碳排放": "EnvironmentalRights", "碳信用": "EnvironmentalRights",
+  "碳权": "EnvironmentalRights", "排放权": "EnvironmentalRights",
+  // 知识产权
+  "知识产权": "IntellectualProperty", "专利": "IntellectualProperty",
+  "商标": "IntellectualProperty", "版权": "IntellectualProperty",
+  // 基础设施
+  "基础设施": "Infrastructure", "电力": "Infrastructure", "水务": "Infrastructure",
+  // 应收账款
+  "应收账款": "Receivables", "贸易融资": "Receivables",
+};
+
+const RULE_TYPE_MAP: Record<string, string> = {
+  "所有权": "ownership_verification", "产权": "ownership_verification",
+  "确权": "ownership_verification", "所有人": "ownership_verification",
+  "交易": "trading_permission", "买卖": "trading_permission",
+  "上市": "trading_permission", "流通": "trading_permission",
+  "KYC": "kyc_aml", "AML": "kyc_aml", "反洗钱": "kyc_aml",
+  "身份验证": "kyc_aml", "尽职调查": "kyc_aml",
+  "税": "tax_compliance", "税务": "tax_compliance", "纳税": "tax_compliance",
+  "跨境": "cross_border", "境外": "cross_border", "外资": "cross_border",
+  "结算": "settlement", "清算": "settlement",
+  "托管": "custody", "保管": "custody",
+  "披露": "disclosure", "信息披露": "disclosure",
+  "牌照": "licensing", "许可证": "licensing", "执照": "licensing",
+};
+
+/**
+ * 从用户问题中识别结构化意图（辖区/资产类别/规则类型）
+ */
+function detectQueryIntent(queryInput: unknown): {
+  jurisdiction?: string;
+  assetClass?: string;
+  ruleType?: string;
+  keywords: string[];
+} {
+  // 类型守卫：确保 query 是字符串
+  const query = typeof queryInput === 'string' ? queryInput : String(queryInput ?? '');
+  let detectedJurisdiction: string | undefined;
+  let detectedAssetClass: string | undefined;
+  let detectedRuleType: string | undefined;
+
+  // 检测司法辖区
+  for (const [term, code] of Object.entries(JURISDICTION_MAP)) {
+    if (query.includes(term)) {
+      detectedJurisdiction = code;
+      break;
+    }
+  }
+
+  // 检测资产类别
+  for (const [term, cls] of Object.entries(ASSET_CLASS_MAP)) {
+    if (query.toLowerCase().includes(term.toLowerCase())) {
+      detectedAssetClass = cls;
+      break;
+    }
+  }
+
+  // 检测规则类型
+  for (const [term, type] of Object.entries(RULE_TYPE_MAP)) {
+    if (query.includes(term)) {
+      detectedRuleType = type;
+      break;
+    }
+  }
+
+  // 提取关键词
+  const STOP_WORDS = new Set([
+    "的", "了", "是", "在", "我", "有", "和", "就", "不", "人", "都", "一", "一个",
+    "上", "也", "很", "到", "说", "要", "去", "你", "会", "着", "没有", "看", "好",
+    "自己", "这", "那", "什么", "如何", "怎么", "请问", "帮我", "告诉", "介绍",
+    "关于", "对于", "针对", "需要", "可以", "应该", "必须", "规定", "要求",
+    "the", "a", "an", "is", "are", "was", "were", "be", "been", "being",
+    "have", "has", "had", "do", "does", "did", "will", "would", "could", "should",
+    "what", "how", "when", "where", "why", "which", "who",
+  ]);
+
+  // v3.0: 使用jieba分词替代简单正则匹配
+  const jiebaTokens = _jiebaTokenize(query);
+  const englishTerms = (query.match(/[A-Z][A-Z0-9-]{1,}/g) || []).concat(query.match(/[a-zA-Z]{4,}/g) || []);
+  const allTerms = [...jiebaTokens, ...englishTerms];
+  const keywords = Array.from(new Set(allTerms.filter(t => !STOP_WORDS.has(t.toLowerCase()) && t.length >= 2))).slice(0, 10);
+
+  return { jurisdiction: detectedJurisdiction, assetClass: detectedAssetClass, ruleType: detectedRuleType, keywords };
+}
+
+// ─── 主检索函数 ───────────────────────────────────────────────────
+
+/**
+ * 从MongoDB知识库检索相关规则（RAG核心函数）
+ */
+export async function retrieveRelevantRules(
+  queryInput: unknown,
+  options: {
+    maxResults?: number;
+    jurisdictions?: string[];
+    categories?: string[];
+    language?: string;
+  } = {}
+): Promise<RAGContext> {
+  // 类型守卫：确保 query 是字符串
+  const query = typeof queryInput === 'string' ? queryInput : String(queryInput ?? '');
+  const { maxResults = 6, jurisdictions, categories, language = "zh" } = options;
+  const db = await getMongoDb();
+
+  if (!db) {
+    return { rules: [], totalFound: 0, retrievalMethod: "none", queryKeywords: [] };
+  }
+
+  // 意图识别
+  const intent = detectQueryIntent(query);
+  const keywords = intent.keywords;
+
+  const collection = db.collection(COLLECTIONS.COMPLIANCE_RULES);
+
+  // 构建基础过滤条件（兼容新旧两种文档格式）
+  const baseFilter: Record<string, unknown> = {};
+
+  // 优先使用意图识别的辖区，其次使用传入的辖区参数
+  const targetJurisdictions = jurisdictions ||
+    (intent.jurisdiction ? [intent.jurisdiction, "GLOBAL"] : undefined);
+
+  if (targetJurisdictions && targetJurisdictions.length > 0) {
+    baseFilter.jurisdiction = { $in: targetJurisdictions };
+  }
+
+  // 资产类别过滤（新格式用 assetClass，旧格式用 category）
+  const targetAssetClass = intent.assetClass;
+  if (targetAssetClass) {
+    baseFilter.$or = [
+      { assetClass: { $in: [targetAssetClass, "ALL"] } },
+      { category: { $regex: targetAssetClass, $options: "i" } },
+    ];
+  } else if (categories && categories.length > 0) {
+    baseFilter.category = { $in: categories };
+  }
+
+  // 规则类型过滤
+  if (intent.ruleType) {
+    baseFilter.ruleType = intent.ruleType;
+  }
+
+  let rules: RetrievedRule[] = [];
+  let retrievalMethod: RAGContext["retrievalMethod"] = "none";
+
+  // ── 策略1：结构化精确匹配（意图识别命中时）──────────────────
+  if (intent.jurisdiction || intent.assetClass || intent.ruleType) {
+    try {
+      const structuredResults = await collection
+        .find(baseFilter)
+        .sort({ tier: 1, relevance: -1 })
+        .limit(maxResults)
+        .toArray();
+
+      if (structuredResults.length > 0) {
+        rules = structuredResults.map((doc, idx) => formatRule(doc, language, idx, structuredResults.length));
+        retrievalMethod = "structured";
+      }
+    } catch (e) {
+      console.warn("[RAG] 结构化检索失败:", (e as Error).message);
+    }
+  }
+
+  // ── 策略2：MongoDB全文检索 ────────────────────────────────────
+  if (rules.length < 3 && keywords.length > 0) {
+    try {
+      const searchText = keywords.join(" ");
+      const textFilter: Record<string, unknown> = {
+        $text: { $search: searchText },
+      };
+      // 不加辖区过滤，扩大全文检索范围
+      if (intent.assetClass) {
+        textFilter.$or = [
+          { assetClass: { $in: [intent.assetClass, "ALL"] } },
+          { category: { $regex: intent.assetClass, $options: "i" } },
+        ];
+      }
+
+      const textResults = await collection
+        .find(textFilter, {
+          projection: {
+            score: { $meta: "textScore" },
+            ruleId: 1, ruleName: 1, jurisdiction: 1, category: 1, assetClass: 1,
+            ruleType: 1, content: 1, contentEn: 1, description: 1,
+            ownershipRequirements: 1, tradingRequirements: 1,
+            legalBasis: 1, sourceUrl: 1, complianceLevel: 1, tags: 1,
+            "translations.zh": 1, "translations.en": 1,
+          },
+        })
+        .sort({ score: { $meta: "textScore" } })
+        .limit(maxResults)
+        .toArray();
+
+      if (textResults.length > 0) {
+        const newRules = textResults
+          .filter(r => !rules.some(existing => existing.ruleId === String(r.ruleId || r._id)))
+          .map((doc, idx) => formatRule(doc, language, idx, textResults.length));
+        rules = [...rules, ...newRules].slice(0, maxResults);
+        if (retrievalMethod === "none") retrievalMethod = "fulltext";
+      }
+    } catch (e) {
+      console.warn("[RAG] 全文检索失败，降级到正则检索:", (e as Error).message);
+    }
+  }
+
+  // ── 策略3：正则关键词匹配 ─────────────────────────────────────
+  if (rules.length < 3 && keywords.length > 0) {
+    try {
+      const regexConditions = keywords.slice(0, 4).map(kw => ({
+        $or: [
+          { ruleName: { $regex: kw, $options: "i" } },
+          { ruleNameEn: { $regex: kw, $options: "i" } },
+          { description: { $regex: kw, $options: "i" } },
+          { content: { $regex: kw, $options: "i" } },
+          { contentEn: { $regex: kw, $options: "i" } },
+          { tags: { $regex: kw, $options: "i" } },
+          { "translations.zh": { $regex: kw, $options: "i" } },
+        ],
+      }));
+
+      const regexFilter: Record<string, unknown> = { $and: regexConditions };
+
+      const regexResults = await collection
+        .find(regexFilter)
+        .limit(maxResults)
+        .toArray();
+
+      if (regexResults.length > 0) {
+        const newRules = regexResults
+          .filter(r => !rules.some(existing => existing.ruleId === String(r.ruleId || r._id)))
+          .map((doc, idx) => formatRule(doc, language, idx, regexResults.length));
+        rules = [...rules, ...newRules].slice(0, maxResults);
+        if (retrievalMethod === "none") retrievalMethod = "regex";
+      }
+    } catch (e) {
+      console.warn("[RAG] 正则检索失败:", (e as Error).message);
+    }
+  }
+
+  // ── 策略4：随机采样（兜底策略）──────────────────────────────
+  if (rules.length === 0) {
+    try {
+      const sampleResults = await collection
+        .aggregate([
+          { $match: {} },
+          { $sample: { size: maxResults } },
+        ])
+        .toArray();
+
+      if (sampleResults.length > 0) {
+        rules = sampleResults.map((doc, idx) => formatRule(doc, language, idx, sampleResults.length, 0.3));
+        retrievalMethod = "sample";
+      }
+    } catch (e) {
+      console.warn("[RAG] 随机采样失败:", (e as Error).message);
+    }
+  }
+
+  return {
+    rules,
+    totalFound: rules.length,
+    retrievalMethod,
+    queryKeywords: keywords,
+    detectedJurisdiction: intent.jurisdiction,
+    detectedAssetClass: intent.assetClass,
+    detectedRuleType: intent.ruleType,
+  };
+}
+
+// ─── 格式化工具函数 ───────────────────────────────────────────────
+
+function formatRule(
+  doc: Record<string, unknown>,
+  language: string,
+  idx: number,
+  total: number,
+  baseScore?: number
+): RetrievedRule {
+  const score = baseScore !== undefined
+    ? baseScore
+    : Math.max(0.4, 1.0 - (idx / total) * 0.5);
+
+  // 兼容新旧两种格式的内容字段
+  const translations = doc.translations as Record<string, string> | undefined;
+  let content = "";
+  if (language === "zh") {
+    content = String(doc.content || translations?.zh || doc.contentEn || translations?.en || "");
+  } else {
+    content = String(doc.contentEn || translations?.en || doc.content || translations?.zh || "");
+  }
+
+  // 截断内容到800字（贸易规则内容较长）
+  const truncatedContent = content.length > 800
+    ? content.slice(0, 800) + "..."
+    : content;
+
+  const ruleId = String(doc.ruleId || doc._id || "");
+  const ruleName = String(doc.ruleName || doc.ruleNameEn || "未命名规则");
+  const jurisdiction = String(doc.jurisdiction || "未知");
+  const category = String(doc.category || doc.assetClass || "通用");
+  const description = doc.description ? String(doc.description) : undefined;
+
+  return {
+    ruleId,
+    ruleName,
+    jurisdiction,
+    category,
+    assetClass: doc.assetClass ? String(doc.assetClass) : undefined,
+    ruleType: doc.ruleType ? String(doc.ruleType) : undefined,
+    content: truncatedContent,
+    description,
+    score,
+    source: `${jurisdiction}·${category}·${ruleName.slice(0, 20)}`,
+    ownershipRequirements: doc.ownershipRequirements as Record<string, unknown> | undefined,
+    tradingRequirements: doc.tradingRequirements as Record<string, unknown> | undefined,
+    legalBasis: doc.legalBasis ? String(doc.legalBasis) : undefined,
+    sourceUrl: doc.sourceUrl ? String(doc.sourceUrl) : undefined,
+    complianceLevel: doc.complianceLevel ? String(doc.complianceLevel) : undefined,
+    tags: Array.isArray(doc.tags) ? doc.tags.map(String) : undefined,
+  };
+}
+
+// ─── 构建RAG提示词上下文 ─────────────────────────────────────────
+
+/**
+ * 将检索到的规则格式化为AI提示词中的上下文段落（增强版）
+ */
+export function buildRAGPromptContext(ragCtx: RAGContext): string {
+  if (ragCtx.rules.length === 0) {
+    return "";
+  }
+
+  const lines: string[] = [
+    "【知识库检索结果】",
+    `（共检索到 ${ragCtx.totalFound} 条相关规则，检索方式：${ragCtx.retrievalMethod}）`,
+  ];
+
+  if (ragCtx.detectedJurisdiction) {
+    lines.push(`（识别到司法辖区：${ragCtx.detectedJurisdiction}）`);
+  }
+  if (ragCtx.detectedAssetClass) {
+    lines.push(`（识别到资产类别：${ragCtx.detectedAssetClass}）`);
+  }
+  lines.push("");
+
+  ragCtx.rules.forEach((rule, idx) => {
+    lines.push(`【规则 ${idx + 1}】${rule.ruleName}`);
+    lines.push(`  辖区：${rule.jurisdiction} | 类别：${rule.category} | 相关度：${Math.round(rule.score * 100)}%`);
+    if (rule.ruleType) lines.push(`  规则类型：${rule.ruleType}`);
+    if (rule.legalBasis) lines.push(`  法律依据：${rule.legalBasis}`);
+    if (rule.complianceLevel) lines.push(`  合规级别：${rule.complianceLevel}`);
+    if (rule.description) lines.push(`  摘要：${rule.description}`);
+    lines.push(`  内容：${rule.content}`);
+
+    // 所有权要求（核心字段）
+    if (rule.ownershipRequirements) {
+      const req = rule.ownershipRequirements as Record<string, unknown>;
+      if (req.proofDocuments && Array.isArray(req.proofDocuments)) {
+        lines.push(`  所有权证明文件：${(req.proofDocuments as string[]).join("、")}`);
+      }
+      if (req.registrationAuthority) {
+        lines.push(`  登记机构：${req.registrationAuthority}`);
+      }
+      if (req.transferMechanism) {
+        lines.push(`  转移机制：${req.transferMechanism}`);
+      }
+      if (req.chainRecognition) {
+        lines.push(`  链上法律认可：${req.chainRecognition}`);
+      }
+      if (req.foreignOwnershipRestriction) {
+        lines.push(`  外资限制：${req.foreignOwnershipRestriction}`);
+      }
+    }
+
+    // 交易要求
+    if (rule.tradingRequirements) {
+      const req = rule.tradingRequirements as Record<string, unknown>;
+      if (req.minimumInvestor) lines.push(`  最低投资者资质：${req.minimumInvestor}`);
+      if (req.settlementPeriod) lines.push(`  结算周期：${req.settlementPeriod}`);
+      if (req.allowedCurrencies && Array.isArray(req.allowedCurrencies)) {
+        lines.push(`  允许结算货币：${(req.allowedCurrencies as string[]).join("、")}`);
+      }
+    }
+
+    if (rule.sourceUrl) lines.push(`  来源：${rule.sourceUrl}`);
+    lines.push("");
+  });
+
+  lines.push("请严格基于以上知识库规则回答用户问题，并在回答中注明引用的规则编号和来源。");
+  lines.push("如果知识库中没有完全匹配的规则，请基于已有规则进行合理推断，并说明推断依据。");
+
+  return lines.join("\n");
+}
+
+// ─── 向后兼容别名（生产服务器旧版本使用 retrieveComplianceRules）────
+/**
+ * @deprecated 请使用 retrieveRelevantRules
+ * 保留此别名以兼容生产服务器的 nacInferenceEngine.ts 和 aiAgents.ts
+ */
+export const retrieveComplianceRules = retrieveRelevantRules;