diff --git a/pipeline_bidding/bid_common.py b/pipeline_bidding/bid_common.py
index 4cb3b79..f26f621 100644
--- a/pipeline_bidding/bid_common.py
+++ b/pipeline_bidding/bid_common.py
@@ -372,10 +372,14 @@ async def has_pending_blocking_human_task(sor, project_id):
 
 
 async def create_human_task(sor, project_id, task_type, title, description="",
-                            assignee_role="owner.superuser", assignee_id="",
+                            assignee_role=None, assignee_id="",
                             form_schema=None, dedup_by_title=False, task_id=""):
     """创建人类任务（pipeline_human_tasks）。iteration_id 留空 → 走项目级门禁。
 
+    归属（2026-09-18 银联事故修复）：assignee_role/assignee_id 都不传时按项目
+    真人创建者解析（进其「我的待办」），无主项目回退 owner.superuser——
+    旧版默认硬编码 owner.superuser，非超管机构创建者永远看不到自己项目的待办。
+
     同一事项只发一次待办（2026-09-01 机制层不变量）：同项目+同类型已有
     pending 任务 → 直接返回已有 id，不重复创建。防止对账器/agent 每轮
     重复发同类待办把用户淹没。
@@ -420,6 +424,15 @@ async def create_human_task(sor, project_id, task_type, title, description="",
                         task_type, exist.get("id"), project_id)
             return exist.get("id")
     hid = new_id()
+    # 归属动态解析（2026-09-18 银联事故修复）：未显式指派 → 项目真人创建者，
+    # 无主项目回退 owner.superuser。
+    if not assignee_role and not assignee_id:
+        from pipeline_service.human_task_capability import resolve_project_owner_assignee
+        assignee_role, assignee_id = await resolve_project_owner_assignee(
+            sor, project_id or "")
+    # expired_at 显式写（同引擎 create_human_task 的地雷修复）：列默认
+    # current_timestamp() → 不写则创建即过期。
+    from datetime import datetime as _dt, timedelta as _td
     await sor.C("pipeline_human_tasks", {
         "id": hid,
         "task_id": task_id or "",
@@ -433,6 +446,7 @@ async def create_human_task(sor, project_id, task_type, title, description="",
         "project_id": project_id or "",
         "title": (title or "")[:480],
         "description": description or "",
+        "expired_at": _dt.now() + _td(days=7),
     })
     logger.info("bid create_human_task type=%s id=%s project=%s", task_type, hid, project_id)
     return hid
diff --git a/pipeline_bidding/bid_flow.py b/pipeline_bidding/bid_flow.py
index 58c4bd8..4b37ffa 100644
--- a/pipeline_bidding/bid_flow.py
+++ b/pipeline_bidding/bid_flow.py
@@ -612,7 +612,7 @@ async def _auto_detect_flow(sor, project_id, pname):
                 ("系统无法自动判断该文件应走哪条流程：%s\n\n"
                  "请在会话里用 propose_flow_plan(flow_key=...) 指定流程，"
                  "或联系管理员核对文件内容。" % note),
-                assignee_role="owner.superuser")
+                )
             await sor.sqlExe("COMMIT", {})
         return ""
     ok, msg = await propose_flow_plan(
@@ -651,7 +651,7 @@ async def reconcile_project(sor, project_id, project_name=""):
                 ("以下角色任务执行失败，对账器已暂停自动派发：\n" + tlist +
                  "\n\n常见原因：机构未配置 LLM 模型（项目缺省模型/角色模型未设置）、"
                  "模型调用超时、任务内容异常。\n请处理后用 reset_task_retry 恢复，或取消任务。"),
-                assignee_role="owner.superuser")
+                )
             await sor.sqlExe("COMMIT", {})
         return ["blocked: %d 个任务执行失败，已抛人工介入，暂停派发" % n_failed]
 
@@ -802,7 +802,7 @@ async def reconcile_project(sor, project_id, project_name=""):
                              "请人工核对招标文件并修正产出物（对应管理页），"
                              "或在 QC 审核记录页把对应记录 passed 改为 1 强制放行。"
                              % (n_redo_done, "\n".join(qc_imp)[:3000])),
-                            assignee_role="owner.superuser")
+                            )
                         await sor.sqlExe("COMMIT", {})
                     acts.append("escalated: 维度「%s」QC 重做轮次用尽 → 人工介入" % label)
                     continue
@@ -837,7 +837,7 @@ async def reconcile_project(sor, project_id, project_name=""):
                         ("该维度分析任务已完成 %d 次，产出仍为空。\n"
                          "请人工检查招标文件是否可读（bid_tender_files.content_text），"
                          "或人工补录该维度产出后完成本任务。" % first_attempts),
-                        assignee_role="owner.superuser")
+                        )
                     await sor.sqlExe("COMMIT", {})
                 acts.append("escalated: 维度「%s」重试超限 → 人工介入" % label)
                 continue
@@ -888,7 +888,7 @@ async def reconcile_project(sor, project_id, project_name=""):
                              "参数 task_kind=analysis_orchestration），"
                              "或人工派发缺失维度。"
                              % (orch_done, "、".join(lb for _, lb in first_run_pending))),
-                            assignee_role="owner.superuser")
+                            )
                         await sor.sqlExe("COMMIT", {})
                     acts.append("escalated: PM 解析编排掉链 → 人工介入")
                 else:
@@ -943,7 +943,7 @@ async def reconcile_project(sor, project_id, project_name=""):
                      % (th["qc_max_round"],
                         "\n".join("- %s（第%s轮）：%s" % (t, rnd, (imp or "")[:300])
                                   for t, s, imp, rnd, _on in over))),
-                    assignee_role="owner.superuser")
+                    )
                 await sor.sqlExe("COMMIT", {})
             acts.append("escalated: QC 审核轮次用尽（%s），等人工介入；不依赖它的章节照常流转"
                         % "/".join(sorted(over_types)))
@@ -969,7 +969,7 @@ async def reconcile_project(sor, project_id, project_name=""):
                             ("QC 退回后该维度已重做 %d 轮，产出仍未通过契合度审核。\n"
                              "请人工核对招标文件并修正产出物，或在 QC 审核记录页强制放行。"
                              % n_redo_done),
-                            assignee_role="owner.superuser")
+                            )
                         await sor.sqlExe("COMMIT", {})
                     continue
                 qc_imp = await _dim_qc_improvements(sor, project_id, dim)
@@ -1230,7 +1230,7 @@ async def reconcile_project(sor, project_id, project_name=""):
                             to_int(c.get("revise_count"), 0), _cm[:1500]))
             await create_human_task(
                 sor, project_id, _tt, _ti, _desc,
-                assignee_role="owner.superuser", dedup_by_title=True)
+                dedup_by_title=True)
             await sor.sqlExe("COMMIT", {})
             acts.append("escalated: 章[%s] 超重做上限且无待办记录，补发人工介入待办"
                         % c.get("chapter_no"))
@@ -1386,7 +1386,7 @@ async def reconcile_project(sor, project_id, project_name=""):
                  "请处理：在对应管理页补录落库，或重跑该任务；落库后流程自动复审。"
                  "处理完完成本任务。"
                  % "\n".join("- %s %s" % (tid, ti) for tid, ti in verify_bad)),
-                assignee_role="owner.superuser")
+                )
             await sor.sqlExe("COMMIT", {})
         acts.append("escalated: 产出落库核验不通过（%d 个任务标 verify_failed），抛人工" % len(verify_bad))
     else:
@@ -1560,7 +1560,7 @@ async def _reconcile_tech_analysis_qc(sor, project_id, pname, n_items, latest_qc
                      "请检查招标文件技术部分是否可读（bid_tender_files.content_text），"
                      "或用 list_tech_items/add_tech_item 人工补录评估项。"
                      % (n_first + n_redo, n_first, n_redo)),
-                    assignee_role="owner.superuser")
+                    )
                 await sor.sqlExe("COMMIT", {})
             acts.append("escalated: 技术评估项解析轮次超限 → 人工介入")
             return False, False, True
@@ -1610,7 +1610,7 @@ async def _reconcile_tech_analysis_qc(sor, project_id, pname, n_items, latest_qc
                  "请人工核对招标文件技术需求修正评估项（list_tech_items/add_tech_item），"
                  "或在 QC 审核记录页把该记录 passed 改为 1 强制放行。"
                  % (rnd, (latest_qc.get("improvement") or "")[:1500])),
-                assignee_role="owner.superuser")
+                )
             await sor.sqlExe("COMMIT", {})
         acts.append("escalated: 技术评估项 QC 轮次用尽 → 人工介入")
         return False, True, True
diff --git a/pipeline_bidding/bid_kb_capability.py b/pipeline_bidding/bid_kb_capability.py
index 2be4117..c2be4ba 100644
--- a/pipeline_bidding/bid_kb_capability.py
+++ b/pipeline_bidding/bid_kb_capability.py
@@ -222,7 +222,6 @@ async def request_human_docs(project_id, items="", note="", who=None, agent_id=N
         hid = await create_human_task(
             sor, project_id, HT_HUMAN_DOCS,
             "需人工提供的投标资质文件（%d 项）" % len(lines), desc,
-            assignee_role="owner.superuser",
             form_schema={"project_id": project_id, "count": len(lines)})
         await sor.sqlExe(
             "UPDATE bid_qualifications SET human_task_id=${hid}$ WHERE project_id=${pid}$ "
diff --git a/pipeline_bidding/bid_qc_capability.py b/pipeline_bidding/bid_qc_capability.py
index 031f86e..deb6201 100644
--- a/pipeline_bidding/bid_qc_capability.py
+++ b/pipeline_bidding/bid_qc_capability.py
@@ -343,7 +343,7 @@ async def finish_qc(review_id, fit_score, improvement="", comments="",
                      "处理完成本任务后流程自动恢复。"
                      % (qc_type, review.get("round"), sc, th["qc_pass_score"],
                         (improvement or "")[:3000])),
-                    assignee_role="owner.superuser")
+)
                 await sor.sqlExe("COMMIT", {})
             return True, ("QC 不通过且已达审核轮次上限 %d → 已抛人工介入（阻塞门禁）。"
                           % th["qc_max_round"])
diff --git a/pipeline_bidding/bid_review_capability.py b/pipeline_bidding/bid_review_capability.py
index 2c596e7..5d30125 100644
--- a/pipeline_bidding/bid_review_capability.py
+++ b/pipeline_bidding/bid_review_capability.py
@@ -146,7 +146,7 @@ async def review_chapter(chapter_id, score, max_score="", comments="", detail=""
                  "如需补材料（证书扫描件/截图/业绩证明），上传到项目工作空间/知识库后"
                  "可在增补轮重写该章；不补则完成本待办即可。"
                  % (c.get("chapter_no"), c.get("title"), sc, ms, (comments or "")[:1500])),
-                assignee_role="owner.superuser", dedup_by_title=True)
+                dedup_by_title=True)
             await sor.sqlExe("COMMIT", {})
             await _sync_mirror(sor, pid, chapter_id)
             return True, ("章节「%s」评审 %.2f/%.2f：失分全部因实体材料缺失（非写作缺陷），"
@@ -198,7 +198,7 @@ async def review_chapter(chapter_id, score, max_score="", comments="", detail=""
                  "请人工判断：补充素材/调整章节范围/降低目标分，处理完成后完成本任务。"
                  % (c.get("chapter_no"), c.get("title"), revise, sc, ms,
                     th["chapter_pass_ratio"] * 100, (comments or "")[:1500])),
-                assignee_role="owner.superuser", dedup_by_title=True)
+                dedup_by_title=True)
             await sor.sqlExe("COMMIT", {})
             return True, ("章节「%s」评审不通过 %.2f/%.2f，已达重做上限 %d 次 → 已抛人工介入任务"
                           % (c.get("title"), sc, ms, th["max_revise"]))
diff --git a/pipeline_bidding/bid_score_capability.py b/pipeline_bidding/bid_score_capability.py
index f143b7d..100bfe4 100644
--- a/pipeline_bidding/bid_score_capability.py
+++ b/pipeline_bidding/bid_score_capability.py
@@ -242,7 +242,7 @@ async def finalize_bid_score(review_id, comments="", who=None, agent_id=None):
                     ("标书评分已达通过门限。\n%s\n\n"
                      "请人工复核并确认交付（用印/密封/份数/递交方式按招标文件要求执行）。"
                      % summary[:3000]),
-                    assignee_role="owner.superuser")
+                    )
                 await sor.sqlExe("COMMIT", {})
             return True, "整书评分通过：%s\n已发人工交付确认任务。" % summary
 
@@ -254,7 +254,7 @@ async def finalize_bid_score(review_id, comments="", who=None, agent_id=None):
                 ("整书评分已进行 %s 轮仍未达门限：\n%s\n\n"
                  "请人工决策：调整评分预期/补充关键素材/重构章节，处理完成后完成本任务。"
                  % (review.get("round"), summary[:3000])),
-                assignee_role="owner.superuser")
+                )
             await sor.sqlExe("COMMIT", {})
             return True, ("整书评分不通过且已达轮次上限 %d → 已抛人工介入。\n%s"
                           % (th["max_round"], summary))
@@ -297,7 +297,7 @@ async def finalize_bid_score(review_id, comments="", who=None, agent_id=None):
                 sor, pid, "general", "整书评分不通过但改进意见未映射到章节",
                 ("以下评分项不达标，但 target_chapter_id 为空，系统无法自动定位待改章节：\n%s\n\n"
                  "请人工指定应修改的章节（或补 target_chapter_no 后重新评分）。" % summary[:3000]),
-                assignee_role="owner.superuser")
+                )
             await sor.sqlExe("COMMIT", {})
         return True, ("整书评分不通过：%s\n已退回 %d 个问题章节重写，系统将自动派发重写任务。"
                       % (summary, touched))
diff --git a/pipeline_bidding/bid_tech_capability.py b/pipeline_bidding/bid_tech_capability.py
index ccbabe0..7821621 100644
--- a/pipeline_bidding/bid_tech_capability.py
+++ b/pipeline_bidding/bid_tech_capability.py
@@ -403,7 +403,6 @@ async def propose_tech_template(project_id, chapters="", template_source="",
             sor, project_id, HT_TEMPLATE_CONFIRM,
             "技术方案书章节骨架确认：%s" % (proj.get("name") or project_id),
             "\n".join(md),
-            assignee_role="owner.superuser",
             form_schema={"chapters": norm, "template_source": template_source or "",
                          "template_ref": (template_ref or "")[:2000]})
         await sor.sqlExe("COMMIT", {})
diff --git a/pipeline_bidding/bid_tender_capability.py b/pipeline_bidding/bid_tender_capability.py
index 886e285..5637588 100644
--- a/pipeline_bidding/bid_tender_capability.py
+++ b/pipeline_bidding/bid_tender_capability.py
@@ -74,7 +74,6 @@ async def create_bid_project(name, description="", org_id="", created_by="",
                 sor, pid, HT_TENDER_FILE,
                 "上传招标文件：%s" % pname,
                 "立项时已随附招标文件，跳过人工上传步骤。",
-                assignee_role="owner.superuser",
                 form_schema={"project_id": pid})
             await sor.sqlExe(
                 "UPDATE pipeline_human_tasks SET status='done', qc_status='passed', "
@@ -91,7 +90,6 @@ async def create_bid_project(name, description="", org_id="", created_by="",
             "上传招标文件：%s" % pname,
             ("项目已创建，请上传招标文件（含答疑/补遗文件）。\n"
              "上传后系统自动进入招标文件解析（抽取评分项、得分规则、所需资质、投标文件要求、章节骨架）。"),
-            assignee_role="owner.superuser",
             form_schema={"project_id": pid})
         return True, "project_id=%s（已发上传招标文件任务 %s）" % (pid, hid)