diff --git a/scripts/cron_health_monitor.py b/scripts/cron_health_monitor.py
index 057588c2..501ee28d 100644
--- a/scripts/cron_health_monitor.py
+++ b/scripts/cron_health_monitor.py
@@ -44,8 +44,24 @@ def xmpp_push(text):
         print(f"[XMPP推送失败] {e}", file=sys.stderr)
         return False
 
+
+def _create_cron_todo(tname, desc):
+    """为故障cron创建TODO供自愈处理"""
+    try:
+        _c = __import__('sqlite3').connect("/home/hmo/MoFin/data/mofin.db", timeout=10)
+        _c.execute(
+            "INSERT OR REPLACE INTO todos (id, title, description, status, priority, source, fix_action, created_at) "
+            "VALUES (?, ?, ?, 'pending', 'high', 'cron_health', ?, datetime('now','localtime'))",
+            (f"cron_err_{tname.replace(' ','_')}", f"[CRON_ERROR] {tname}", desc,
+             f"cd /home/hmo/MoFin && python3 scripts/preflight_verify.py --cron-check")
+        )
+        _c.commit()
+        _c.close()
+    except Exception:
+        pass
+
+
 def parse_time(ts_str):
-    """解析ISO时间戳为datetime"""
     if not ts_str:
         return None
     try:
@@ -147,6 +163,8 @@ def main():
             if is_new_alert(key, state):
                 alerts.append(f"❌ {j['name']}({j['id'][:8]}) [{tag}] {j['status']} @ {j['last_run'][:19]}")
                 state[key] = {"last_alerted": datetime.now().timestamp()}
+                # 同时写TODO供自愈系统处理
+                _create_cron_todo(j['name'], f"[CRON_ERROR] {j['name']} 状态={j['status']} 最后运行={j['last_run'][:19]}")
 
     # ── 检查2：关键job空闲超时 ──
     stale_jobs = check_idle(jobs)