diff --git a/app.py b/app.py
index 0c081c5..913f8ca 100644
--- a/app.py
+++ b/app.py
@@ -1715,20 +1715,26 @@ def settings():
             from ctp_settings import save_ctp_settings_from_form
 
             save_ctp_settings_from_form(request.form, set_setting)
+            flash_msg = "CTP 配置已保存，正在使用新地址重连…"
             try:
-                from vnpy_bridge import get_bridge, _persist_last_error
+                from vnpy_bridge import get_bridge
+                from trading_context import get_trading_mode
 
                 b = get_bridge()
-                b.mark_disconnected()
                 if (request.form.get("simnow_password") or "").strip() or (
                     request.form.get("ctp_live_password") or ""
                 ).strip():
                     b._clear_login_cooldown()
-                    b._last_error = ""
-                    _persist_last_error("")
-            except Exception:
-                pass
-            flash("CTP 配置已保存，请在持仓监控页重连 CTP")
+                mode = get_trading_mode(get_setting)
+                info = b.reconnect_after_settings_saved(mode)
+                if info.get("cooldown"):
+                    flash_msg = "CTP 配置已保存；当前处于登录冷却，请稍后再连"
+                elif not info.get("started") and info.get("connected"):
+                    flash_msg = "CTP 配置已保存，当前连接正常"
+            except Exception as exc:
+                app.logger.warning("CTP reconnect after settings save: %s", exc)
+                flash_msg = "CTP 配置已保存，请稍后在持仓监控页重连"
+            flash(flash_msg)
         elif action == "nav":
             items = {k: request.form.get(f"nav_{k}") == "on" for k in NAV_TOGGLES}
             save_nav_items(set_setting, items)
diff --git a/templates/settings.html b/templates/settings.html
index 800865f..8da65ce 100644
--- a/templates/settings.html
+++ b/templates/settings.html
@@ -131,7 +131,7 @@
     <h2>CTP 连接</h2>
     <div class="card-body">
         <p class="hint" style="margin-bottom:.85rem">
-            投资者代码、密码、前置地址在此维护（优先于 <code>.env</code>）。保存后请在持仓监控页点击「重连 CTP」。
+            投资者代码、密码、前置地址在此维护（优先于 <code>.env</code>）。保存后将自动断开并用新地址重连 CTP。
             {% if ctp_status.connected %}
             <span class="badge profit" style="margin-left:.35rem">已连接</span>
             {% elif ctp_status.connecting %}
diff --git a/vnpy_bridge.py b/vnpy_bridge.py
index 3269221..0c85c03 100644
--- a/vnpy_bridge.py
+++ b/vnpy_bridge.py
@@ -546,6 +546,13 @@ class CtpBridge:
     def mark_disconnected(self) -> None:
         self._connected_mode = None
 
+    def reconnect_after_settings_saved(self, mode: str) -> dict[str, Any]:
+        """保存前置/账号后关闭旧连接，并用数据库中的新配置重连。"""
+        self._close_gateway()
+        self._last_error = ""
+        _persist_last_error("")
+        return self.start_connect_async(mode, force=True)
+
     def _schedule_fee_sync(self, mode: str) -> None:
         """连接成功后触发每日同步检查（非每次全量）。"""