diff --git a/app/lib/ui/screens/chat_screen.dart b/app/lib/ui/screens/chat_screen.dart
index f50bfbb..a8e8727 100644
--- a/app/lib/ui/screens/chat_screen.dart
+++ b/app/lib/ui/screens/chat_screen.dart
@@ -4,6 +4,7 @@ import 'package:flutter_riverpod/flutter_riverpod.dart';
 import '../../ai/tools/tool_envelope.dart';
 import '../../state/chat_providers.dart';
 import '../../state/chat_warmup_provider.dart';
+import 'settings_screen.dart';
 
 /// AI chat surface (#260). Multi-turn tool calling powered by Gemma 4 +
 /// in-process tool runtime. ConfirmGate modals appear on destructive
@@ -179,7 +180,9 @@ class _ChatScreenState extends ConsumerState<ChatScreen> {
   }
 }
 
-/// #311 AC5 / UX R5+R6: 실패 메시지는 상태만 기술, 행동은 [다시 시도] 버튼.
+/// #311 AC5 / UX R5+R6: 실패 메시지는 상태만 기술, 행동은 버튼이 담당.
+/// fileMissing 은 retry 로 회복 불가 — 설정 화면으로 유도해 재다운로드 경로를 연다.
+/// runtime 은 일시적일 수 있으므로 [다시 시도] (in-place retry).
 class _WarmupErrorBanner extends ConsumerWidget {
   final ChatWarmupFailed warmup;
   const _WarmupErrorBanner({required this.warmup});
@@ -187,6 +190,8 @@ class _WarmupErrorBanner extends ConsumerWidget {
   @override
   Widget build(BuildContext context, WidgetRef ref) {
     final theme = Theme.of(context);
+    final isFileMissing =
+        warmup.kind == ChatWarmupFailureKind.fileMissing;
     return Container(
       width: double.infinity,
       color: theme.colorScheme.errorContainer,
@@ -203,9 +208,15 @@ class _WarmupErrorBanner extends ConsumerWidget {
             alignment: Alignment.centerRight,
             child: OutlinedButton(
               onPressed: () {
-                ref.read(chatWarmupProvider.notifier).retry();
+                if (isFileMissing) {
+                  Navigator.of(context).push(MaterialPageRoute(
+                    builder: (_) => const SettingsScreen(),
+                  ));
+                } else {
+                  ref.read(chatWarmupProvider.notifier).retry();
+                }
               },
-              child: const Text('다시 시도'),
+              child: Text(isFileMissing ? '설정으로 가기' : '다시 시도'),
             ),
           ),
         ],