diff --git a/score-engine/main.py b/score-engine/main.py
index 88d462a..db268e0 100644
--- a/score-engine/main.py
+++ b/score-engine/main.py
@@ -3052,6 +3052,10 @@ async def startup():
     scheduler.add_job(hot_validate_report_job, "cron",
                       day_of_week="mon-fri", hour=9, minute=35,
                       id="hot_validate", replace_existing=True)
+    # CIO 오늘의 결정안: 평일 09:20 생성+보고 (dry-run, 자동실행 OFF)
+    scheduler.add_job(cio_decisions_job, "cron",
+                      day_of_week="mon-fri", hour=9, minute=20,
+                      id="cio_decisions", replace_existing=True)
     # 성과 추적: 매일 18시 가격 업데이트
     scheduler.add_job(update_performance_prices, "cron",
                       day_of_week="mon-fri", hour=18, minute=0,
@@ -3340,6 +3344,106 @@ async def hot_validate_report_job():
     await send_telegram("\n".join(lines))
     logger.info("hot_validate.report.sent", passed=v["passed_count"])
 
+# ── 🧭 CIO 종합 에이전트 (오늘의 결정안, dry-run) ──────────────────
+def _conviction(score: float, votes: int) -> int:
+    if score >= 70 and votes >= 3: return 5
+    if score >= 55 and votes >= 2: return 4
+    if score >= 45: return 3
+    if score >= 35: return 2
+    return 1
+
+async def run_cio_decisions(top: int = 8) -> dict:
+    """점수+보팅+리스크+핫검증 종합 → 오늘의 매수 결정안 생성·저장 (dry-run, 승인 전)."""
+    today = date.today()
+    async with pg_pool.acquire() as conn:
+        await conn.execute("""
+            CREATE TABLE IF NOT EXISTS daily_decisions (
+                id SERIAL PRIMARY KEY,
+                decision_date DATE NOT NULL,
+                stock_code VARCHAR(10) NOT NULL,
+                stock_name VARCHAR(100) DEFAULT '',
+                action VARCHAR(20) NOT NULL,
+                conviction INTEGER DEFAULT 0,
+                size_pct FLOAT DEFAULT 0,
+                total_score FLOAT,
+                thesis TEXT DEFAULT '',
+                risk_notes TEXT DEFAULT '',
+                status VARCHAR(20) DEFAULT 'proposed',
+                created_at TIMESTAMP DEFAULT NOW(),
+                UNIQUE(decision_date, stock_code)
+            )
+        """)
+        regime_label, _ = await calc_market_regime(conn)
+        hotv = await compute_hot_validate(30)
+        hot_pass = {p["code"] for p in (hotv.get("passed") or [])} if not hotv.get("error") else set()
+        cands = await conn.fetch("""
+            SELECT s.stock_code, COALESCE(d.corp_name, s.stock_code) name,
+                   s.total_score, s.recommendation, s.buy_votes,
+                   s.position_size_pct, s.top_reasons,
+                   s.beneish_score, s.earnings_quality
+            FROM stock_scores s JOIN dart_corps d ON d.stock_code = s.stock_code
+            WHERE s.score_date = $1 AND d.is_active = true
+              AND s.recommendation IN ('강력매수', '매수관심') AND s.buy_votes >= 1
+            ORDER BY s.total_score DESC LIMIT $2
+        """, today, top)
+        saved = []
+        for c in cands:
+            conv = _conviction(c["total_score"] or 0, c["buy_votes"] or 0)
+            if c["stock_code"] in hot_pass: conv = min(5, conv + 1)
+            size = round(c["position_size_pct"] or (conv * 2.0), 1)
+            if regime_label == "약세": size = round(size * 0.5, 1)
+            risk = []
+            if regime_label == "약세": risk.append("시장 약세(사이즈↓)")
+            if (c["beneish_score"] or 0) >= 50: risk.append("분식의심")
+            if c["earnings_quality"] is not None and c["earnings_quality"] < 0: risk.append("이익품질 낮음")
+            if c["stock_code"] in hot_pass: risk.append("핫종목 검증통과")
+            thesis = (c["top_reasons"] or "")[:300]
+            await conn.execute("""
+                INSERT INTO daily_decisions
+                  (decision_date, stock_code, stock_name, action, conviction, size_pct,
+                   total_score, thesis, risk_notes, status)
+                VALUES ($1,$2,$3,'매수',$4,$5,$6,$7,$8,'proposed')
+                ON CONFLICT (decision_date, stock_code) DO UPDATE SET
+                  conviction=$4, size_pct=$5, total_score=$6, thesis=$7, risk_notes=$8
+            """, today, c["stock_code"], c["name"], conv, size,
+                c["total_score"], thesis, " · ".join(risk))
+            saved.append({"code": c["stock_code"], "name": c["name"], "action": "매수",
+                          "conviction": conv, "size_pct": size,
+                          "score": round(c["total_score"], 1) if c["total_score"] is not None else None,
+                          "risk": " · ".join(risk), "thesis": thesis[:120]})
+    return {"decision_date": str(today), "regime": regime_label, "count": len(saved), "decisions": saved}
+
+@app.post("/decisions/generate")
+async def decisions_generate(top: int = Query(default=8, ge=1, le=20)):
+    return await run_cio_decisions(top)
+
+@app.get("/decisions")
+async def decisions_get():
+    async with pg_pool.acquire() as conn:
+        rows = await conn.fetch("""
+            SELECT stock_code, stock_name, action, conviction, size_pct, total_score,
+                   thesis, risk_notes, status
+            FROM daily_decisions WHERE decision_date = CURRENT_DATE
+            ORDER BY conviction DESC, total_score DESC
+        """)
+    return [dict(r) for r in rows]
+
+async def cio_decisions_job():
+    """평일 09:20 — CIO 오늘의 결정안 생성 + 텔레그램 보고 (dry-run, 자동실행 OFF)."""
+    try:
+        d = await run_cio_decisions(8)
+    except Exception as e:
+        logger.error("cio.err", error=str(e)); return
+    if not d.get("decisions"): return
+    lines = [f"🧭 <b>오늘의 결정안</b> ({d['decision_date']}, 시장:{d['regime']}) — dry-run"]
+    for x in d["decisions"]:
+        lines.append(f"{'★'*x['conviction']} <b>{x['name']}</b>({x['code']}) {x['action']} "
+                     f"비중{x['size_pct']}% (점수{x['score']})"
+                     + (f"\n  ⚠️{x['risk']}" if x['risk'] else ""))
+    lines.append("\n(자동실행 OFF — 검증 단계. 정확도 양전환 시 실행 연결)")
+    await send_telegram("\n".join(lines))
+    logger.info("cio.report.sent", count=d["count"])
+
 @app.get("/health")
 async def health():
     return {"status": "ok"}