diff --git a/app.py b/app.py
index 0399e92..b32ab09 100644
--- a/app.py
+++ b/app.py
@@ -789,7 +789,13 @@ def logout():
 @login_required
 def api_symbol_search():
     q = request.args.get("q", "")
-    return jsonify(search_symbols(q))
+    conn = get_db()
+    try:
+        from trading_context import get_account_capital
+        capital = get_account_capital(conn, get_setting)
+    finally:
+        conn.close()
+    return jsonify(search_symbols(q, capital=capital))
 
 
 @app.route("/api/symbols/mains")
diff --git a/install_trading.py b/install_trading.py
index 6cfbcf4..e923b6a 100644
--- a/install_trading.py
+++ b/install_trading.py
@@ -28,10 +28,7 @@ from position_sizing import (
     calc_order_tick_metrics,
     normalize_sizing_mode,
 )
-from recommend_store import (
-    recommend_payload,
-    refresh_recommend_cache,
-)
+from product_recommend import assert_product_allowed_for_capital, is_small_account, SMALL_ACCOUNT_SCOPE_LABEL
 from recommend_stream import recommend_hub, schedule_recommend_refresh, start_recommend_worker
 from position_stream import position_hub, start_position_worker
 from ctp_settings import is_ctp_auto_connect_enabled
@@ -1645,6 +1642,8 @@ def install_trading(app, *, login_required, require_nav, get_db, get_setting, se
                 recommend_rows=rec_cache.get("rows") or [],
                 recommend_updated_at=rec_cache.get("updated_at"),
                 night_session=is_night_trading_session(),
+                small_account_scope=is_small_account(capital),
+                small_account_scope_label=SMALL_ACCOUNT_SCOPE_LABEL,
                 product_categories=PRODUCT_CATEGORIES,
             )
         finally:
@@ -2148,6 +2147,10 @@ def install_trading(app, *, login_required, require_nav, get_db, get_setting, se
             if err:
                 conn.close()
                 return jsonify({"ok": False, "error": err}), 403
+            scope_err = assert_product_allowed_for_capital(sym, _capital(conn))
+            if scope_err:
+                conn.close()
+                return jsonify({"ok": False, "error": scope_err}), 403
         ctp_st = ctp_status(mode)
         if not ctp_st.get("connected"):
             conn.close()
@@ -2503,6 +2506,10 @@ def install_trading(app, *, login_required, require_nav, get_db, get_setting, se
             conn.close()
             return jsonify({"ok": False, "error": err}), 403
         capital = _capital(conn)
+        scope_err = assert_product_allowed_for_capital(sym, capital)
+        if scope_err:
+            conn.close()
+            return jsonify({"ok": False, "error": scope_err}), 403
         codes = ths_to_codes(sym)
         price = fetch_price(sym, codes.get("market_code", "") if codes else "", codes.get("sina_code", "") if codes else "")
         plan, perr = compute_trend_plan_futures(
diff --git a/product_recommend.py b/product_recommend.py
index ffceb2e..32327d2 100644
--- a/product_recommend.py
+++ b/product_recommend.py
@@ -18,6 +18,52 @@ from symbols import PRODUCTS, product_category, product_has_night_session
 
 logger = logging.getLogger(__name__)
 
+# 权益低于该值时，仅允许下列品种（可开仓列表、品种下拉、开仓报单）
+SMALL_ACCOUNT_CAPITAL_MAX = 100_000.0
+SMALL_ACCOUNT_PRODUCT_THS = frozenset({"c", "m", "MA", "rb"})
+SMALL_ACCOUNT_SCOPE_LABEL = "玉米、豆粕、甲醇、螺纹钢"
+
+
+def normalize_product_ths(ths: str) -> str:
+    import re
+    s = (ths or "").strip()
+    m = re.match(r"^([A-Za-z]+)", s)
+    return m.group(1) if m else s
+
+
+def is_small_account(capital: float) -> bool:
+    cap = float(capital or 0)
+    return 0 < cap <= SMALL_ACCOUNT_CAPITAL_MAX
+
+
+def product_in_small_account_whitelist(ths_or_product) -> bool:
+    if isinstance(ths_or_product, dict):
+        key = (ths_or_product.get("ths") or "").strip()
+    else:
+        key = normalize_product_ths(str(ths_or_product or ""))
+    if not key:
+        return False
+    root = normalize_product_ths(key)
+    if root in SMALL_ACCOUNT_PRODUCT_THS:
+        return True
+    upper = root.upper()
+    return upper in {x.upper() for x in SMALL_ACCOUNT_PRODUCT_THS}
+
+
+def assert_product_allowed_for_capital(ths: str, capital: float) -> Optional[str]:
+    """小账户品种白名单校验；通过返回 None。"""
+    if not is_small_account(capital):
+        return None
+    if product_in_small_account_whitelist(ths):
+        return None
+    return f"权益 10 万以下仅可交易：{SMALL_ACCOUNT_SCOPE_LABEL}"
+
+
+def filter_products_for_capital(products: list[dict], capital: float) -> list[dict]:
+    if not is_small_account(capital):
+        return list(products)
+    return [p for p in products if product_in_small_account_whitelist(p)]
+
 
 def _attach_turnover(row: dict) -> None:
     """成交额 = 昨日成交量(手) × 昨收 × 合约乘数。"""
@@ -60,6 +106,23 @@ def assess_product_for_capital(
     cap = float(capital or 0)
     margin_pct = max(1.0, min(100.0, float(max_margin_pct or 30.0)))
 
+    if is_small_account(cap) and not product_in_small_account_whitelist(product):
+        return {
+            "ths": ths,
+            "name": name,
+            "exchange": exchange,
+            "category": category,
+            "mult": spec["mult"],
+            "tick_size": tick,
+            "status": "blocked",
+            "status_label": f"10万以下限{SMALL_ACCOUNT_SCOPE_LABEL}",
+            "min_capital_one_lot": None,
+            "margin_one_lot": None,
+            "max_lots": 0,
+            "risk_one_lot_1pct": None,
+            "has_night_session": product_has_night_session(product),
+        }
+
     if p <= 0:
         return {
             "ths": ths,
@@ -173,5 +236,6 @@ def list_product_recommendations(
             }
 
     with ThreadPoolExecutor(max_workers=10) as pool:
-        rows = list(pool.map(_one, PRODUCTS))
+        products = filter_products_for_capital(PRODUCTS, capital)
+        rows = list(pool.map(_one, products))
     return sort_recommend_by_trend(rows)
diff --git a/scripts/deploy_small_account_scope.py b/scripts/deploy_small_account_scope.py
new file mode 100644
index 0000000..415598c
--- /dev/null
+++ b/scripts/deploy_small_account_scope.py
@@ -0,0 +1,16 @@
+"""Deploy small-account product whitelist."""
+import paramiko, sys
+from pathlib import Path
+sys.stdout.reconfigure(encoding="utf-8", errors="replace")
+root = Path(__file__).resolve().parents[1]
+files = ["product_recommend.py", "symbols.py", "app.py", "install_trading.py", "templates/trade.html"]
+c = paramiko.SSHClient(); c.set_missing_host_key_policy(paramiko.AutoAddPolicy())
+c.connect("192.168.8.21", username="root", password="woaini88", timeout=15)
+sftp = c.open_sftp()
+for rel in files:
+    sftp.put(str(root / rel), f"/opt/qihuo/{rel.replace(chr(92), '/')}")
+    print("uploaded", rel)
+sftp.close()
+_, o, _ = c.exec_command("cd /opt/qihuo && pm2 restart qihuo")
+print(o.read().decode("utf-8", errors="replace"))
+c.close()
diff --git a/symbols.py b/symbols.py
index 51a2608..ebe2381 100644
--- a/symbols.py
+++ b/symbols.py
@@ -461,20 +461,25 @@ def _match_score(product: dict, q_lower: str) -> int:
     return 10
 
 
-def search_symbols(query: str) -> list:
+def search_symbols(query: str, *, capital: float | None = None) -> list:
     q = query.strip()
     if not q:
         return []
 
     q_lower = q.lower()
     from market_sessions import is_night_trading_session
+    from product_recommend import filter_products_for_capital, is_small_account
+
     night_only = is_night_trading_session()
+    product_pool = PRODUCTS
+    if capital is not None and is_small_account(capital):
+        product_pool = filter_products_for_capital(PRODUCTS, capital)
     with _main_index_lock:
         index = dict(_main_index)
     index_ready = bool(index)
 
     scored: list[tuple[int, dict]] = []
-    for p in PRODUCTS:
+    for p in product_pool:
         if night_only and not product_has_night_session(p):
             continue
         if not _product_matches(p, q_lower):
@@ -492,6 +497,11 @@ def search_symbols(query: str) -> list:
     if not results and len(q) >= 3:
         codes = ths_to_codes(q)
         if codes:
+            product = _product_for_contract_code(codes["ths_code"])
+            if capital is not None and is_small_account(capital):
+                from product_recommend import is_small_account, product_in_small_account_whitelist
+                if not product or not product_in_small_account_whitelist(product):
+                    return results
             raw = fetch_raw_for_volume(codes["sina_code"])
             name = raw["name"] if raw else q
             results.append(_enrich_item({
diff --git a/templates/trade.html b/templates/trade.html
index 71b5f29..42ec54d 100644
--- a/templates/trade.html
+++ b/templates/trade.html
@@ -133,7 +133,8 @@
             <div class="card-body">
                 <p class="hint">最大手数 = floor(权益 × 保证金上限 <strong>{{ max_margin_pct }}%</strong> ÷ 1手保证金)；当前权益 <strong class="text-accent" id="rec-capital">{{ '%.2f'|format(capital) }}</strong> 元。
                     {% if sizing_mode == 'fixed' %}仅显示最大手数 ≥ <strong>{{ fixed_lots }}</strong> 手的品种。{% endif %}
-                    {% if night_session %}<span class="text-muted">当前为夜盘时段，品种下拉与下表仅显示有夜盘品种；带「夜盘」标记。</span>{% else %}<span class="text-muted">有夜盘交易的品种带「夜盘」标记。</span>{% endif %}
+                    {% if small_account_scope %}<span class="text-muted">权益 10 万以下仅显示并可交易：{{ small_account_scope_label }}。</span>{% endif %}
+                    {% if night_session %}<span class="text-muted">当前为夜盘时段，品种下拉与下表仅显示有夜盘品种；带「夜盘」标记。</span>{% elif not small_account_scope %}<span class="text-muted">有夜盘交易的品种带「夜盘」标记。</span>{% endif %}
                     保证金优先读取 CTP 柜台合约信息。
                     {% if recommend_updated_at %}<span class="text-muted">每日后台更新 · 最近 {{ recommend_updated_at }}</span>{% else %}<span class="text-muted" id="rec-updated">等待今日后台刷新…</span>{% endif %}
                 </p>