diff --git a/backend/scripts/assign-accounts.ts b/backend/scripts/assign-accounts.ts
new file mode 100644
index 0000000..4192533
--- /dev/null
+++ b/backend/scripts/assign-accounts.ts
@@ -0,0 +1,154 @@
+/**
+ * 给全部员工对应上正确的社保和公积金账户
+ * 逻辑：按员工所在城市的账户匹配，回退到默认账户
+ */
+import { PrismaClient } from '@prisma/client'
+const prisma = new PrismaClient()
+
+async function main() {
+  // 1. 查所有账户（按城市分组）
+  const accounts = await prisma.socialAccount.findMany({
+    select: { id: true, name: true, type: true, city: true, isDefault: true },
+  })
+  console.log('=== 全部账户 ===')
+  for (const a of accounts) {
+    console.log(`${a.type} | ${a.name} | ${a.city} | default=${a.isDefault} | ${a.id}`)
+  }
+
+  // 按城市+类型建索引
+  const socialByCity: Record<string, string> = {}
+  const housingByCity: Record<string, string> = {}
+  let defaultSocial: string | null = null
+  let defaultHousing: string | null = null
+
+  for (const a of accounts) {
+    if (a.type === 'SOCIAL') {
+      if (a.isDefault) defaultSocial = a.id
+      if (a.city) socialByCity[a.city] = a.id
+    } else {
+      if (a.isDefault) defaultHousing = a.id
+      if (a.city) housingByCity[a.city] = a.id
+    }
+  }
+
+  // 2. 查所有部门
+  const depts = await prisma.department.findMany({
+    select: { id: true, name: true, level: true, parentId: true, socialAccountId: true, housingAccountId: true },
+  })
+  console.log('\n=== 部门账户关联（修改前）===')
+  for (const d of depts) {
+    console.log(`${d.name} | level=${d.level} | social=${d.socialAccountId || '无'} | housing=${d.housingAccountId || '无'}`)
+  }
+
+  // 3. 查所有员工及其部门和城市
+  const employees = await prisma.employee.findMany({
+    select: { id: true, name: true, department: true, departmentId: true, city: true, dept: true },
+  })
+  console.log(`\n=== 员工总数: ${employees.length} ===`)
+
+  // 4. 为每个员工找到根部门，检查是否有账户
+  // 如果根部门没有账户，按员工城市匹配账户，更新根部门
+  const rootDeptMap = new Map<string, { name: string; city: string; empCount: number }>()
+
+  for (const emp of employees) {
+    // 向上找根部门
+    let dept: any = emp.dept
+    if (!dept && emp.departmentId) {
+      dept = await prisma.department.findUnique({ where: { id: emp.departmentId } })
+    }
+    while (dept && dept.level > 0 && dept.parentId) {
+      dept = await prisma.department.findUnique({ where: { id: dept.parentId } })
+    }
+    if (dept) {
+      const existing = rootDeptMap.get(dept.id)
+      if (existing) {
+        existing.empCount++
+      } else {
+        rootDeptMap.set(dept.id, { name: dept.name, city: emp.city || '', empCount: 1 })
+      }
+    }
+  }
+
+  console.log('\n=== 根部门及员工城市 ===')
+  for (const [deptId, info] of rootDeptMap) {
+    const dept = await prisma.department.findUnique({ where: { id: deptId }, select: { socialAccountId: true, housingAccountId: true } })
+    console.log(`${info.name} | 员工数=${info.empCount} | 员工城市=${info.city || '无'} | social=${dept?.socialAccountId || '无'} | housing=${dept?.housingAccountId || '无'}`)
+  }
+
+  // 5. 为没有账户的根部门按员工城市匹配账户
+  let updated = 0
+  for (const [deptId, info] of rootDeptMap) {
+    const dept = await prisma.department.findUnique({ where: { id: deptId }, select: { socialAccountId: true, housingAccountId: true, name: true } })
+
+    let socialId = dept?.socialAccountId || null
+    let housingId = dept?.housingAccountId || null
+
+    // 社保账户
+    if (!socialId) {
+      if (info.city && socialByCity[info.city]) {
+        socialId = socialByCity[info.city]
+      } else if (defaultSocial) {
+        socialId = defaultSocial
+      }
+    }
+
+    // 公积金账户
+    if (!housingId) {
+      if (info.city && housingByCity[info.city]) {
+        housingId = housingByCity[info.city]
+      } else if (defaultHousing) {
+        housingId = defaultHousing
+      }
+    }
+
+    if ((socialId && !dept?.socialAccountId) || (housingId && !dept?.housingAccountId)) {
+      await prisma.department.update({
+        where: { id: deptId },
+        data: {
+          ...(socialId && !dept?.socialAccountId ? { socialAccountId: socialId } : {}),
+          ...(housingId && !dept?.housingAccountId ? { housingAccountId: housingId } : {}),
+        },
+      })
+      console.log(`[更新] 根部门 ${dept?.name} → social=${socialId || '无'} housing=${housingId || '无'}`)
+      updated++
+    }
+  }
+
+  console.log(`\n更新了 ${updated} 个根部门的账户关联`)
+
+  // 6. 验证：重新查每个员工是否有账户
+  let noSocial = 0
+  let noHousing = 0
+  let hasBoth = 0
+  for (const emp of employees) {
+    let dept: any = emp.dept
+    if (!dept && emp.departmentId) {
+      dept = await prisma.department.findUnique({ where: { id: emp.departmentId } })
+    }
+    while (dept && dept.level > 0 && dept.parentId) {
+      dept = await prisma.department.findUnique({ where: { id: dept.parentId } })
+    }
+
+    let socialId = dept?.socialAccountId || null
+    let housingId = dept?.housingAccountId || null
+
+    // 回退到默认
+    if (!socialId) socialId = defaultSocial
+    if (!housingId) housingId = defaultHousing
+
+    if (socialId && housingId) {
+      hasBoth++
+    } else {
+      if (!socialId) noSocial++
+      if (!housingId) noHousing++
+      console.log(`[缺失] ${emp.name} | social=${socialId ? '有' : '无'} housing=${housingId ? '有' : '无'} | city=${emp.city || '无'} | dept=${dept?.name || '无'}`)
+    }
+  }
+
+  console.log(`\n=== 验证结果 ===`)
+  console.log(`有社保+公积金: ${hasBoth}`)
+  console.log(`缺社保: ${noSocial}`)
+  console.log(`缺公积金: ${noHousing}`)
+}
+
+main().then(() => process.exit(0)).catch(e => { console.error(e); process.exit(1) })
diff --git a/backend/scripts/check-test-accounts.ts b/backend/scripts/check-test-accounts.ts
new file mode 100644
index 0000000..18e7c22
--- /dev/null
+++ b/backend/scripts/check-test-accounts.ts
@@ -0,0 +1,80 @@
+/**
+ * 检查测试账户是否有关联数据（员工/部门），然后删除无关联的测试账户
+ */
+import { PrismaClient } from '@prisma/client'
+const prisma = new PrismaClient()
+
+const TEST_IDS = [
+  'cmsve0ucj000h5kfta5te1qli', // 几何社保账户
+  'cmsve0uea001x5kftbvf9e6zq', // 北公积金账户
+  'cmsve0uec001z5kft5sfl4ika', // s公积金账户
+  'cmsve0ued00215kft32gmeug5', // sh公积金账户
+  'cmsve0uef00235kftz4clk842', // sha公积金账户
+  'cmsve0ueg00255kfttwtfeikj', // shan公积金账户
+  'cmsve0uei00275kftbwdrkf2n', // shang公积金账户
+  'cmsve0uej00295kftc157ts8b', // 上公积金账户
+  'cmsve0uek002b5kftnmmsqpfl', // shi公积金账户
+  'cmsve0uen002d5kftnzstcqa3', // shi'j公积金账户
+  'cmsve0ueo002f5kftxhh9r5lw', // shi'ji公积金账户
+  'cmsve0ueq002h5kft2fdu2tlk', // shi'jia公积金账户
+  'cmsve0uer002j5kftsi37wcuo', // shi'jia'z公积金账户
+  'cmsve0uet002l5kftev27qy7o', // shi'jia'zh公积金账户
+  'cmsve0uf5002x5kft16esy662', // 唐山12+6公积金账户
+  'cmsve0uf9002z5kft3lx7yl1x', // 几何公积金账户
+  'cmsve0ufb00315kftp9mnovag', // 几何5+5公积金账户
+]
+
+async function main() {
+  console.log('=== 检查关联 ===')
+  let canDelete: string[] = []
+  let blocked: string[] = []
+
+  for (const id of TEST_IDS) {
+    const account = await prisma.socialAccount.findUnique({ where: { id }, select: { name: true, city: true, type: true } })
+    if (!account) {
+      console.log(`[不存在] ${id}`)
+      continue
+    }
+
+    const d1 = await prisma.department.count({ where: { socialAccountId: id } })
+    const d2 = await prisma.department.count({ where: { housingAccountId: id } })
+
+    if (d1 + d2 > 0) {
+      console.log(`[阻止] ${account.type} ${account.name} (${account.city}) — 部门S/H:${d1}/${d2}`)
+      blocked.push(id)
+    } else {
+      console.log(`[可删] ${account.type} ${account.name} (${account.city})`)
+      canDelete.push(id)
+    }
+  }
+
+  console.log(`\n可删除 ${canDelete.length} 个，阻止 ${blocked.length} 个`)
+
+  if (canDelete.length === 0) {
+    console.log('无可删除账户')
+    return
+  }
+
+  // 删除：先删关联的年度标准、社保记录、公积金记录，再删账户
+  console.log('\n=== 开始删除 ===')
+  for (const id of canDelete) {
+    const account = await prisma.socialAccount.findUnique({ where: { id }, select: { name: true } })
+
+    // 删年度标准
+    const stdDeleted = await prisma.socialYearStandard.deleteMany({ where: { accountId: id } })
+    // 删员工社保记录
+    const srDeleted = await prisma.employeeSocialInsRecord.deleteMany({ where: { accountId: id } })
+    // 删员工公积金记录
+    const hrDeleted = await prisma.employeeHousingFundRecord.deleteMany({ where: { accountId: id } })
+    // 删月度处理记录
+    const mpDeleted = await prisma.socialMonthlyProcess.deleteMany({ where: { accountId: id } })
+    // 删账户
+    await prisma.socialAccount.delete({ where: { id } })
+
+    console.log(`[已删] ${account?.name} — 标准:${stdDeleted.count} 社保记录:${srDeleted.count} 公积金记录:${hrDeleted.count} 月度:${mpDeleted.count}`)
+  }
+
+  console.log('\n删除完成')
+}
+
+main().then(() => process.exit(0)).catch(e => { console.error(e); process.exit(1) })
diff --git a/backend/scripts/fix-housing-base-limits.ts b/backend/scripts/fix-housing-base-limits.ts
new file mode 100644
index 0000000..d073ca8
--- /dev/null
+++ b/backend/scripts/fix-housing-base-limits.ts
@@ -0,0 +1,47 @@
+/**
+ * 批量更新公积金账户的 housingBaseMin/housingBaseMax
+ * 数据来源：各城市2025年度公积金缴存基数上下限
+ */
+import { PrismaClient } from '@prisma/client'
+const prisma = new PrismaClient()
+
+// 2025年度各城市公积金基数上下限
+const CITY_LIMITS: Record<string, { min: number; max: number }> = {
+  '北京': { min: 2540, max: 35811 },
+  '上海': { min: 2690, max: 37302 },
+  '深圳': { min: 2360, max: 44265 },
+  '杭州': { min: 2490, max: 40694 },
+  '石家庄': { min: 2200, max: 26420 },
+  '天津': { min: 2320, max: 27861 },
+  '唐山': { min: 2200, max: 26420 },  // 河北省标准
+}
+
+async function main() {
+  const accounts = await prisma.socialAccount.findMany({ where: { type: 'HOUSING' } })
+  let updated = 0
+  let skipped = 0
+
+  for (const account of accounts) {
+    const limits = CITY_LIMITS[account.city]
+    if (!limits) {
+      console.log(`[跳过] ${account.name} (${account.city}) — 无该城市的公积金上下限数据`)
+      skipped++
+      continue
+    }
+
+    // 更新该账户下所有年度标准的 housingBaseMin/housingBaseMax
+    const result = await prisma.socialYearStandard.updateMany({
+      where: { accountId: account.id },
+      data: {
+        housingBaseMin: limits.min,
+        housingBaseMax: limits.max,
+      },
+    })
+    console.log(`[更新] ${account.name} (${account.city}) → 下限 ${limits.min} / 上限 ${limits.max}，影响 ${result.count} 条标准`)
+    updated++
+  }
+
+  console.log(`\n完成：更新 ${updated} 个账户，跳过 ${skipped} 个`)
+}
+
+main().then(() => process.exit(0)).catch(e => { console.error(e); process.exit(1) })
diff --git a/backend/scripts/fix-missing-standards.ts b/backend/scripts/fix-missing-standards.ts
new file mode 100644
index 0000000..a2194e2
--- /dev/null
+++ b/backend/scripts/fix-missing-standards.ts
@@ -0,0 +1,99 @@
+/**
+ * 批量补齐无年度标准的账户：从旧 SocialInsuranceConfig / HousingFundConfig 继承数据
+ */
+import { PrismaClient } from '@prisma/client'
+const prisma = new PrismaClient()
+
+async function main() {
+  const accounts = await prisma.socialAccount.findMany()
+  let created = 0
+  let skipped = 0
+
+  for (const account of accounts) {
+    // 检查是否已有标准
+    const existing = await prisma.socialYearStandard.findFirst({
+      where: { accountId: account.id, isCurrent: true },
+    })
+    if (existing) {
+      skipped++
+      continue
+    }
+
+    // 查旧配置
+    let oldConfig: any = null
+    if (account.type === 'HOUSING') {
+      oldConfig = await prisma.housingFundConfig.findFirst({
+        where: { orgId: account.orgId, city: account.city },
+        orderBy: { effectiveFrom: 'desc' },
+      })
+    } else {
+      oldConfig = await prisma.socialInsuranceConfig.findFirst({
+        where: { orgId: account.orgId, city: account.city },
+        orderBy: { effectiveFrom: 'desc' },
+      })
+    }
+
+    if (!oldConfig) {
+      console.log(`[跳过] ${account.type} ${account.name} (${account.city}) — 无旧配置可继承`)
+      continue
+    }
+
+    // 检查是否已有同 effectiveFrom 的标准（含历史标准）
+    const dupCheck = await prisma.socialYearStandard.findFirst({
+      where: { accountId: account.id, effectiveFrom: oldConfig.effectiveFrom },
+    })
+    if (dupCheck) {
+      // 把已有的设为 current
+      await prisma.socialYearStandard.updateMany({
+        where: { accountId: account.id, effectiveFrom: oldConfig.effectiveFrom },
+        data: { isCurrent: true },
+      })
+      console.log(`[修复] ${account.type} ${account.name} (${account.city}) — 已有标准设为 current`)
+      created++
+      continue
+    }
+
+    // 创建年度标准
+    const std = await prisma.socialYearStandard.create({
+      data: {
+        orgId: account.orgId,
+        accountId: account.id,
+        // 社保比例
+        pensionOrg: oldConfig.pensionOrg || 16,
+        pensionEmp: oldConfig.pensionEmp || 8,
+        medicalOrg: oldConfig.medicalOrg || 9.8,
+        medicalEmp: oldConfig.medicalEmp || 2,
+        medicalOrgExtra: (oldConfig as any).medicalOrgExtra || 0,
+        medicalEmpExtra: (oldConfig as any).medicalEmpExtra || 0,
+        unemploymentOrg: oldConfig.unemploymentOrg || 0.5,
+        unemploymentEmp: oldConfig.unemploymentEmp || 0.5,
+        injuryOrg: oldConfig.injuryOrg || 0.2,
+        maternityOrg: oldConfig.maternityOrg || 0.8,
+        baseMin: oldConfig.baseMin || 6326,
+        baseMax: oldConfig.baseMax || 33891,
+        medicalBaseMin: oldConfig.medicalBaseMin || 0,
+        medicalBaseMax: oldConfig.medicalBaseMax || 0,
+        extraInsurances: oldConfig.extraInsurances || null,
+        // 公积金比例
+        housingOrg: (oldConfig as any).housingOrg || 12,
+        housingEmp: (oldConfig as any).housingEmp || 12,
+        housingBaseMin: 0,
+        housingBaseMax: 0,
+        // 最低工资
+        minWage: (oldConfig as any).minWage || 0,
+        // 生效信息
+        effectiveFrom: oldConfig.effectiveFrom,
+        effectiveTo: null,
+        isCurrent: true,
+        adjustmentDone: false,
+        createdBy: account.createdBy,
+      },
+    })
+    console.log(`[创建] ${account.type} ${account.name} (${account.city}) ← ${oldConfig.effectiveFrom}`)
+    created++
+  }
+
+  console.log(`\n完成：创建 ${created} 个标准，跳过 ${skipped} 个已有标准`)
+}
+
+main().then(() => process.exit(0)).catch(e => { console.error(e); process.exit(1) })