diff --git a/mhd-common/mhd-common-core/src/main/java/com/mhd/common/core/domain/thirdparty/MdmMerchantSyncFilter.java b/mhd-common/mhd-common-core/src/main/java/com/mhd/common/core/domain/thirdparty/MdmMerchantSyncFilter.java
new file mode 100644
index 000000000..96645e9f0
--- /dev/null
+++ b/mhd-common/mhd-common-core/src/main/java/com/mhd/common/core/domain/thirdparty/MdmMerchantSyncFilter.java
@@ -0,0 +1,71 @@
+package com.mhd.common.core.domain.thirdparty;
+
+import com.mhd.common.core.utils.StringUtils;
+
+/**
+ * MDM 客商应用侧过滤（MDM 查询条件 DESC24 在对方接口侧未严格生效，需本地过滤）
+ */
+public final class MdmMerchantSyncFilter {
+
+    private static final String MDM_FLAG_YES = "1";
+
+    private MdmMerchantSyncFilter() {
+    }
+
+    public enum SkipReason {
+        EMPTY_CODE,
+        NOT_CUSTOMER,
+        ORG_MISMATCH,
+        DISABLED,
+        MISSING_NAME
+    }
+
+    public static boolean belongsToOrg(String recordDesc24, String orgNcCode) {
+        if (StringUtils.isEmpty(orgNcCode)) {
+            return true;
+        }
+        return orgNcCode.equals(trim(recordDesc24));
+    }
+
+    public static boolean isCustomer(MdmMerchantRecordDTO record) {
+        return record != null && MDM_FLAG_YES.equals(trim(record.getDesc3()));
+    }
+
+    public static boolean isDisabled(MdmMerchantRecordDTO record) {
+        if (record == null || StringUtils.isEmpty(record.getDesc30())) {
+            return false;
+        }
+        String status = record.getDesc30().trim();
+        return "否".equals(status) || "停用".equals(status) || "0".equals(status) || "3".equals(status);
+    }
+
+    /**
+     * 判断是否应同步到委托方列表
+     */
+    public static boolean shouldSync(MdmMerchantRecordDTO record, String orgNcCode) {
+        return resolveSkipReason(record, orgNcCode) == null;
+    }
+
+    public static SkipReason resolveSkipReason(MdmMerchantRecordDTO record, String orgNcCode) {
+        if (record == null || StringUtils.isEmpty(record.getCode())) {
+            return SkipReason.EMPTY_CODE;
+        }
+        if (!isCustomer(record)) {
+            return SkipReason.NOT_CUSTOMER;
+        }
+        if (!belongsToOrg(record.getDesc24(), orgNcCode)) {
+            return SkipReason.ORG_MISMATCH;
+        }
+        if (StringUtils.isEmpty(trim(record.getDesc1()))) {
+            return SkipReason.MISSING_NAME;
+        }
+        if (isDisabled(record)) {
+            return SkipReason.DISABLED;
+        }
+        return null;
+    }
+
+    private static String trim(String value) {
+        return value == null ? "" : value.trim();
+    }
+}