diff --git a/backend/services/trading-service/src/application/services/c2c.service.ts b/backend/services/trading-service/src/application/services/c2c.service.ts
index 4f0f69ef..3f3516fa 100644
--- a/backend/services/trading-service/src/application/services/c2c.service.ts
+++ b/backend/services/trading-service/src/application/services/c2c.service.ts
@@ -7,6 +7,7 @@ import { RedisService } from '../../infrastructure/redis/redis.service';
 import { PrismaService } from '../../infrastructure/persistence/prisma/prisma.service';
 import { IdentityClient } from '../../infrastructure/identity/identity.client';
 import { Money } from '../../domain/value-objects/money.vo';
+import { TradingAccountAggregate } from '../../domain/aggregates/trading-account.aggregate';
 import Decimal from 'decimal.js';
 
 // C2C 订单类型常量
@@ -132,10 +133,16 @@ export class C2cService {
       // 计算总金额
       const totalAmount = priceDecimal.mul(quantityDecimal);
 
-      // 获取用户交易账户
-      const account = await this.tradingAccountRepository.findByAccountSequence(accountSequence);
+      // 获取用户交易账户，不存在则自动创建零余额账户
+      let account = await this.tradingAccountRepository.findByAccountSequence(accountSequence);
       if (!account) {
-        throw new NotFoundException('交易账户不存在');
+        this.logger.log(`C2C: 用户 ${accountSequence} 无交易账户，自动创建`);
+        const newAccount = TradingAccountAggregate.create(accountSequence);
+        await this.tradingAccountRepository.save(newAccount);
+        account = await this.tradingAccountRepository.findByAccountSequence(accountSequence);
+        if (!account) {
+          throw new NotFoundException('交易账户创建失败');
+        }
       }
 
       // 检查余额并冻结资产
@@ -232,10 +239,16 @@ export class C2cService {
         }
       }
 
-      // 获取接单方账户
-      const takerAccount = await this.tradingAccountRepository.findByAccountSequence(takerAccountSequence);
+      // 获取接单方账户，不存在则自动创建零余额账户
+      let takerAccount = await this.tradingAccountRepository.findByAccountSequence(takerAccountSequence);
       if (!takerAccount) {
-        throw new NotFoundException('交易账户不存在');
+        this.logger.log(`C2C: 接单方 ${takerAccountSequence} 无交易账户，自动创建`);
+        const newAccount = TradingAccountAggregate.create(takerAccountSequence);
+        await this.tradingAccountRepository.save(newAccount);
+        takerAccount = await this.tradingAccountRepository.findByAccountSequence(takerAccountSequence);
+        if (!takerAccount) {
+          throw new NotFoundException('交易账户创建失败');
+        }
       }
 
       // #13: 支持部分成交，taker可指定数量