diff --git a/frontend/admin-web/src/components/features/system-account-report/SystemAccountsTab.tsx b/frontend/admin-web/src/components/features/system-account-report/SystemAccountsTab.tsx
index beb27228..6136fab6 100644
--- a/frontend/admin-web/src/components/features/system-account-report/SystemAccountsTab.tsx
+++ b/frontend/admin-web/src/components/features/system-account-report/SystemAccountsTab.tsx
@@ -185,13 +185,14 @@ export default function SystemAccountsTab() {
 
 /**
  * 固定系统账户区域
+ * [2026-01-05] 更新：根据业务需求调整显示名称，USDT改为绿积分
  */
 function FixedAccountsSection({ data }: { data: SystemAccountReportResponse['fixedAccounts'] }) {
   const accounts = [
-    { key: 'costAccount', label: '成本账户', sequence: 'S0000000001', data: data.costAccount },
-    { key: 'operationAccount', label: '运营账户', sequence: 'S0000000002', data: data.operationAccount },
-    { key: 'hqCommunity', label: '总部社区', sequence: 'S0000000003', data: data.hqCommunity },
-    { key: 'rwadPoolPending', label: 'RWAD待发放池', sequence: 'S0000000004', data: data.rwadPoolPending },
+    { key: 'costAccount', label: '总部储备', sequence: 'S0000000001', data: data.costAccount },
+    { key: 'operationAccount', label: '运营账户1', sequence: 'S0000000002', data: data.operationAccount },
+    { key: 'hqCommunity', label: '运营账户2', sequence: 'S0000000003', data: data.hqCommunity },
+    { key: 'rwadPoolPending', label: '积分股池', sequence: 'S0000000004', data: data.rwadPoolPending },
     { key: 'platformFee', label: '平台手续费', sequence: 'S0000000005', data: data.platformFee },
   ];
 
@@ -209,19 +210,19 @@ function FixedAccountsSection({ data }: { data: SystemAccountReportResponse['fix
               <div className={styles.statRow}>
                 <span className={styles.statLabel}>账户余额</span>
                 <span className={styles.statValue}>
-                  {accountData ? formatAmount(accountData.usdtBalance) : '0.00'} USDT
+                  {accountData ? formatAmount(accountData.usdtBalance) : '0.00'} 绿积分
                 </span>
               </div>
               <div className={styles.statRow}>
                 <span className={styles.statLabel}>累计收入</span>
                 <span className={styles.statValue}>
-                  {accountData ? formatAmount(accountData.totalReceived) : '0.00'} USDT
+                  {accountData ? formatAmount(accountData.totalReceived) : '0.00'} 绿积分
                 </span>
               </div>
               <div className={styles.statRow}>
                 <span className={styles.statLabel}>累计转出</span>
                 <span className={styles.statValue}>
-                  {accountData ? formatAmount(accountData.totalTransferred) : '0.00'} USDT
+                  {accountData ? formatAmount(accountData.totalTransferred) : '0.00'} 绿积分
                 </span>
               </div>
             </div>
@@ -234,6 +235,7 @@ function FixedAccountsSection({ data }: { data: SystemAccountReportResponse['fix
 
 /**
  * 区域账户汇总区域
+ * [2026-01-05] 更新：USDT改为绿积分
  */
 function RegionAccountsSection({ data, type }: { data: RegionAccountsSummary; type: 'province' | 'city' }) {
   const typeLabel = type === 'province' ? '省' : '市';
@@ -250,11 +252,11 @@ function RegionAccountsSection({ data, type }: { data: RegionAccountsSummary; ty
         </div>
         <div className={styles.summaryCard}>
           <span className={styles.summaryLabel}>总余额</span>
-          <span className={styles.summaryValue}>{formatAmount(data.summary.totalBalance)} USDT</span>
+          <span className={styles.summaryValue}>{formatAmount(data.summary.totalBalance)} 绿积分</span>
         </div>
         <div className={styles.summaryCard}>
           <span className={styles.summaryLabel}>累计收入</span>
-          <span className={styles.summaryValue}>{formatAmount(data.summary.totalReceived)} USDT</span>
+          <span className={styles.summaryValue}>{formatAmount(data.summary.totalReceived)} 绿积分</span>
         </div>
       </div>
 
@@ -266,8 +268,8 @@ function RegionAccountsSection({ data, type }: { data: RegionAccountsSummary; ty
               <tr>
                 <th>区域代码</th>
                 <th>区域名称</th>
-                <th>余额 (USDT)</th>
-                <th>累计收入 (USDT)</th>
+                <th>余额 (绿积分)</th>
+                <th>累计收入 (绿积分)</th>
                 <th>状态</th>
               </tr>
             </thead>
@@ -297,6 +299,7 @@ function RegionAccountsSection({ data, type }: { data: RegionAccountsSummary; ty
 
 /**
  * 面对面结算统计区域
+ * [2026-01-05] 更新：USDT改为绿积分
  */
 function OfflineSettlementSection({ data }: { data: SystemAccountReportResponse['offlineSettlement'] }) {
   return (
@@ -311,7 +314,7 @@ function OfflineSettlementSection({ data }: { data: SystemAccountReportResponse[
         </div>
         <div className={styles.summaryCard}>
           <span className={styles.summaryLabel}>总金额</span>
-          <span className={styles.summaryValue}>{formatAmount(data.totalAmount)} USDT</span>
+          <span className={styles.summaryValue}>{formatAmount(data.totalAmount)} 绿积分</span>
         </div>
       </div>
 
@@ -325,7 +328,7 @@ function OfflineSettlementSection({ data }: { data: SystemAccountReportResponse[
                 <tr>
                   <th>月份</th>
                   <th>笔数</th>
-                  <th>金额 (USDT)</th>
+                  <th>金额 (绿积分)</th>
                 </tr>
               </thead>
               <tbody>
@@ -351,6 +354,7 @@ function OfflineSettlementSection({ data }: { data: SystemAccountReportResponse[
 
 /**
  * 过期收益统计区域
+ * [2026-01-05] 更新：USDT改为绿积分
  */
 function ExpiredRewardsSection({ data }: { data: SystemAccountReportResponse['expiredRewards'] }) {
   return (
@@ -365,7 +369,7 @@ function ExpiredRewardsSection({ data }: { data: SystemAccountReportResponse['ex
         </div>
         <div className={styles.summaryCard}>
           <span className={styles.summaryLabel}>总金额</span>
-          <span className={styles.summaryValue}>{formatAmount(data.totalAmount)} USDT</span>
+          <span className={styles.summaryValue}>{formatAmount(data.totalAmount)} 绿积分</span>
         </div>
       </div>
 
@@ -379,7 +383,7 @@ function ExpiredRewardsSection({ data }: { data: SystemAccountReportResponse['ex
                 <tr>
                   <th>权益类型</th>
                   <th>笔数</th>
-                  <th>金额 (USDT)</th>
+                  <th>金额 (绿积分)</th>
                 </tr>
               </thead>
               <tbody>
@@ -406,7 +410,7 @@ function ExpiredRewardsSection({ data }: { data: SystemAccountReportResponse['ex
                 <tr>
                   <th>月份</th>
                   <th>笔数</th>
-                  <th>金额 (USDT)</th>
+                  <th>金额 (绿积分)</th>
                 </tr>
               </thead>
               <tbody>
@@ -562,8 +566,21 @@ function LedgerSection({
   );
 }
 
+/**
+ * 资产类型显示名称映射
+ * [2026-01-05] 新增：USDT改为绿积分
+ */
+const getAssetTypeLabel = (assetType: string): string => {
+  const labels: Record<string, string> = {
+    USDT: '绿积分',
+    usdt: '绿积分',
+  };
+  return labels[assetType] || assetType;
+};
+
 /**
  * 单个账户的分类账卡片
+ * [2026-01-05] 更新：资产类型显示改用中文
  */
 function LedgerAccountCard({
   title,
@@ -618,7 +635,7 @@ function LedgerAccountCard({
                         </span>
                       </td>
                       <td className={entry.amount >= 0 ? styles.amountPositive : styles.amountNegative}>
-                        {entry.amount >= 0 ? '+' : ''}{formatAmount(entry.amount)} {entry.assetType}
+                        {entry.amount >= 0 ? '+' : ''}{formatAmount(entry.amount)} {getAssetTypeLabel(entry.assetType)}
                       </td>
                       <td>{entry.balanceAfter !== null ? formatAmount(entry.balanceAfter) : '-'}</td>
                       <td className={styles.memo}>{entry.memo || entry.allocationType || '-'}</td>
diff --git a/frontend/admin-web/src/types/system-account.types.ts b/frontend/admin-web/src/types/system-account.types.ts
index 82248014..6f50a334 100644
--- a/frontend/admin-web/src/types/system-account.types.ts
+++ b/frontend/admin-web/src/types/system-account.types.ts
@@ -97,12 +97,13 @@ export interface SystemAccountReportResponse {
 
 /**
  * 账户类型显示名称映射
+ * [2026-01-05] 更新：根据业务需求调整显示名称
  */
 export const ACCOUNT_TYPE_LABELS: Record<string, string> = {
-  COST_ACCOUNT: '成本账户',
-  OPERATION_ACCOUNT: '运营账户',
-  HQ_COMMUNITY: '总部社区',
-  RWAD_POOL_PENDING: 'RWAD待发放池',
+  COST_ACCOUNT: '总部储备',
+  OPERATION_ACCOUNT: '运营账户1',
+  HQ_COMMUNITY: '运营账户2',
+  RWAD_POOL_PENDING: '积分股池',
   PLATFORM_FEE: '平台手续费',
   SYSTEM_PROVINCE: '系统省账户',
   SYSTEM_CITY: '系统市账户',