diff --git a/backend/services/mining-wallet-service/package.json b/backend/services/mining-wallet-service/package.json
index c20d51b3..fef71cdb 100644
--- a/backend/services/mining-wallet-service/package.json
+++ b/backend/services/mining-wallet-service/package.json
@@ -16,7 +16,8 @@
     "prisma:generate": "prisma generate",
     "prisma:migrate": "prisma migrate dev",
     "prisma:migrate:prod": "prisma migrate deploy",
-    "prisma:studio": "prisma studio"
+    "prisma:studio": "prisma studio",
+    "prisma:seed": "ts-node prisma/seed.ts"
   },
   "dependencies": {
     "@nestjs/common": "^10.3.0",
diff --git a/backend/services/mining-wallet-service/prisma/seed.ts b/backend/services/mining-wallet-service/prisma/seed.ts
new file mode 100644
index 00000000..d160e008
--- /dev/null
+++ b/backend/services/mining-wallet-service/prisma/seed.ts
@@ -0,0 +1,92 @@
+import { PrismaClient } from '@prisma/client';
+import Decimal from 'decimal.js';
+
+const prisma = new PrismaClient();
+
+async function main() {
+  console.log('Seeding mining-wallet-service database...');
+
+  // 1. 初始化核心系统账户（总部、运营、手续费）
+  const systemAccounts = [
+    { accountType: 'HEADQUARTERS', name: '总部账户', code: 'HQ' },
+    { accountType: 'OPERATION', name: '运营账户', code: 'OP' },
+    { accountType: 'FEE', name: '手续费账户', code: 'FEE' },
+  ];
+
+  for (const account of systemAccounts) {
+    const existing = await prisma.systemAccount.findFirst({
+      where: { code: account.code },
+    });
+
+    if (!existing) {
+      await prisma.systemAccount.create({
+        data: {
+          accountType: account.accountType as any,
+          name: account.name,
+          code: account.code,
+          isActive: true,
+        },
+      });
+      console.log(`Created system account: ${account.code}`);
+    } else {
+      console.log(`System account already exists: ${account.code}`);
+    }
+  }
+
+  // 2. 初始化池账户（积分股池、黑洞池、流通池）
+  const poolAccounts = [
+    {
+      poolType: 'SHARE_POOL',
+      name: '积分股池',
+      balance: new Decimal('100000000'), // 1亿初始发行量
+      description: '挖矿奖励的来源池，总发行量',
+    },
+    {
+      poolType: 'BLACK_HOLE_POOL',
+      name: '黑洞池',
+      balance: new Decimal('0'),
+      targetBurn: new Decimal('50000000'), // 目标销毁5000万
+      description: '销毁的积分股，用于减少流通量',
+    },
+    {
+      poolType: 'CIRCULATION_POOL',
+      name: '流通池',
+      balance: new Decimal('0'),
+      description: '市场流通的积分股',
+    },
+  ];
+
+  for (const pool of poolAccounts) {
+    const existing = await prisma.poolAccount.findFirst({
+      where: { poolType: pool.poolType as any },
+    });
+
+    if (!existing) {
+      await prisma.poolAccount.create({
+        data: {
+          poolType: pool.poolType as any,
+          name: pool.name,
+          balance: pool.balance,
+          targetBurn: pool.targetBurn,
+          remainingBurn: pool.targetBurn,
+          description: pool.description,
+          isActive: true,
+        },
+      });
+      console.log(`Created pool account: ${pool.poolType}`);
+    } else {
+      console.log(`Pool account already exists: ${pool.poolType}`);
+    }
+  }
+
+  console.log('Seeding completed!');
+}
+
+main()
+  .catch((e) => {
+    console.error('Seeding failed:', e);
+    process.exit(1);
+  })
+  .finally(async () => {
+    await prisma.$disconnect();
+  });
diff --git a/backend/services/mining-wallet-service/src/application/services/contribution-wallet.service.ts b/backend/services/mining-wallet-service/src/application/services/contribution-wallet.service.ts
index 2f4394a5..427e17bb 100644
--- a/backend/services/mining-wallet-service/src/application/services/contribution-wallet.service.ts
+++ b/backend/services/mining-wallet-service/src/application/services/contribution-wallet.service.ts
@@ -151,15 +151,25 @@ export class ContributionWalletService {
         };
       }
 
-      const systemAccount = await tx.systemAccount.findFirst({
+      let systemAccount = await tx.systemAccount.findFirst({
         where: whereClause,
       });
 
+      // 如果找不到，尝试自动创建省/市级系统账户
       if (!systemAccount) {
-        this.logger.warn(
-          `System account not found: ${input.accountType}, province: ${input.provinceCode}, city: ${input.cityCode}`,
+        systemAccount = await this.createSystemAccountIfNeeded(
+          tx,
+          input.accountType,
+          input.provinceCode,
+          input.cityCode,
         );
-        return;
+
+        if (!systemAccount) {
+          this.logger.warn(
+            `Failed to create system account: ${input.accountType}, province: ${input.provinceCode}, city: ${input.cityCode}`,
+          );
+          return;
+        }
       }
 
       const balanceBefore = new Decimal(
@@ -281,4 +291,110 @@ export class ContributionWalletService {
     };
     return `${typeMap[input.contributionType]}, 来源认种: ${input.sourceAdoptionId}, 认种人: ${input.sourceAccountSequence}`;
   }
+
+  /**
+   * 自动创建省/市级系统账户（如果不存在）
+   * 同时会创建对应的省/市区域记录
+   */
+  private async createSystemAccountIfNeeded(
+    tx: any,
+    accountType: string,
+    provinceCode?: string,
+    cityCode?: string,
+  ): Promise<any | null> {
+    // 只处理省/市级账户的自动创建
+    if (accountType === 'PROVINCE' && provinceCode) {
+      // 先找或创建省份
+      let province = await tx.province.findUnique({
+        where: { code: provinceCode },
+      });
+
+      if (!province) {
+        province = await tx.province.create({
+          data: {
+            code: provinceCode,
+            name: `${provinceCode}省`, // 默认名称，后续可更新
+            status: 'ACTIVE',
+          },
+        });
+        this.logger.log(`Auto-created province: ${provinceCode}`);
+      }
+
+      // 创建省级系统账户
+      const account = await tx.systemAccount.create({
+        data: {
+          accountType: 'PROVINCE',
+          name: `${province.name}账户`,
+          code: `PROV-${provinceCode}`,
+          provinceId: province.id,
+          isActive: true,
+        },
+      });
+      this.logger.log(`Auto-created province system account: ${account.code}`);
+      return account;
+    }
+
+    if (accountType === 'CITY' && cityCode) {
+      // 先找城市
+      let city = await tx.city.findUnique({
+        where: { code: cityCode },
+      });
+
+      if (!city) {
+        // 城市不存在，需要先有省份
+        // 尝试从 cityCode 推断省份（如 GD-SZ 中的 GD）
+        const parts = cityCode.split('-');
+        const inferredProvinceCode = parts.length > 1 ? parts[0] : null;
+
+        if (!inferredProvinceCode) {
+          this.logger.warn(`Cannot infer province from city code: ${cityCode}`);
+          return null;
+        }
+
+        // 找或创建省份
+        let province = await tx.province.findUnique({
+          where: { code: inferredProvinceCode },
+        });
+
+        if (!province) {
+          province = await tx.province.create({
+            data: {
+              code: inferredProvinceCode,
+              name: `${inferredProvinceCode}省`,
+              status: 'ACTIVE',
+            },
+          });
+          this.logger.log(`Auto-created province: ${inferredProvinceCode}`);
+        }
+
+        // 创建城市
+        city = await tx.city.create({
+          data: {
+            code: cityCode,
+            name: `${cityCode}市`, // 默认名称
+            provinceId: province.id,
+            status: 'ACTIVE',
+          },
+        });
+        this.logger.log(`Auto-created city: ${cityCode}`);
+      }
+
+      // 创建市级系统账户
+      const account = await tx.systemAccount.create({
+        data: {
+          accountType: 'CITY',
+          name: `${city.name}账户`,
+          code: `CITY-${cityCode}`,
+          provinceId: city.provinceId,
+          cityId: city.id,
+          isActive: true,
+        },
+      });
+      this.logger.log(`Auto-created city system account: ${account.code}`);
+      return account;
+    }
+
+    // 其他类型（HEADQUARTERS, OPERATION, FEE）不自动创建，需要在 seed 中初始化
+    return null;
+  }
 }