diff --git a/backend/src/main/java/com/imeeting/service/android/impl/AndroidAuthServiceImpl.java b/backend/src/main/java/com/imeeting/service/android/impl/AndroidAuthServiceImpl.java
index 7c6482d..b958c10 100644
--- a/backend/src/main/java/com/imeeting/service/android/impl/AndroidAuthServiceImpl.java
+++ b/backend/src/main/java/com/imeeting/service/android/impl/AndroidAuthServiceImpl.java
@@ -9,6 +9,7 @@ import com.imeeting.service.android.AndroidAuthService;
 import com.imeeting.service.android.AndroidDeviceBindingService;
 import com.imeeting.service.biz.LicenseService;
 import com.unisbase.common.exception.BusinessException;
+import com.unisbase.common.exception.ErrorCodeEnum;
 import com.unisbase.dto.InternalAuthCheckResponse;
 import com.unisbase.security.LoginUser;
 import com.unisbase.service.TokenValidationService;
@@ -205,14 +206,14 @@ public class AndroidAuthServiceImpl implements AndroidAuthService {
   private InternalAuthCheckResponse validateToken(String token) {
     String resolvedToken = normalizeToken(token);
     if (!StringUtils.hasText(resolvedToken)) {
-      throw new RuntimeException("Missing Android access token");
+      throw new BusinessException(ErrorCodeEnum.UNAUTHORIZED.getCode(),"Missing Android access token");
     }
     InternalAuthCheckResponse authResult = tokenValidationService.validateAccessToken(resolvedToken);
     if (authResult == null || !authResult.isValid()) {
-      throw new RuntimeException(authResult == null || !StringUtils.hasText(authResult.getMessage()) ? "Android access token is invalid" : authResult.getMessage());
+      throw new BusinessException(ErrorCodeEnum.UNAUTHORIZED.getCode(),authResult == null || !StringUtils.hasText(authResult.getMessage()) ? "Android access token is invalid" : authResult.getMessage());
     }
     if (authResult.getUserId() == null || authResult.getTenantId() == null) {
-      throw new RuntimeException("Android access token is missing user or tenant context");
+      throw new BusinessException(ErrorCodeEnum.UNAUTHORIZED.getCode(),"Android access token is missing user or tenant context");
     }
     return authResult;
   }
diff --git a/frontend/src/pages/business/MeetingPointsManagement.tsx b/frontend/src/pages/business/MeetingPointsManagement.tsx
index f6e5d62..ece57e1 100644
--- a/frontend/src/pages/business/MeetingPointsManagement.tsx
+++ b/frontend/src/pages/business/MeetingPointsManagement.tsx
@@ -1,11 +1,10 @@
-import { EyeOutlined, PlusOutlined, ReloadOutlined, SearchOutlined, UserOutlined } from "@ant-design/icons";
+import { EyeOutlined, PlusOutlined, ReloadOutlined, SearchOutlined } from "@ant-design/icons";
 import { listUsers } from "@/api";
 import {
   Button,
   Card,
   Col,
   Descriptions,
-  Empty,
   Form,
   Input,
   InputNumber,
@@ -16,6 +15,7 @@ import {
   Space,
   Statistic,
   Table,
+  Tabs,
   Tag,
   Typography,
 } from "antd";
@@ -36,7 +36,7 @@ import {
 } from "@/api/business/meetingPoints";
 import type { SysUser } from "@/types";
 
-const { Text, Title } = Typography;
+const { Text } = Typography;
 
 const POINTS_TYPE_OPTIONS = [
   { label: "全部类型", value: "" },
@@ -93,6 +93,7 @@ function buildSummaryCards(overview: MeetingPointsOverviewVO | null) {
   if (!overview) {
     return [];
   }
+
   const isAdmin = Boolean(overview.admin);
   const isPublicOnly = overview.accountMode === ACCOUNT_MODE_PUBLIC;
   const isPersonalOnly = overview.accountMode === ACCOUNT_MODE_PERSONAL;
@@ -113,14 +114,14 @@ function buildSummaryCards(overview: MeetingPointsOverviewVO | null) {
         key: "public-balance",
         title: "公共账户余额",
         value: overview.publicBalance ?? 0,
-        accent: "linear-gradient(135deg, rgba(18, 87, 241, 0.14), rgba(18, 87, 241, 0.02))",
+        accent: "rgba(24, 144, 255, 0.08)",
         note: "用于统一分配和公共扣费",
       },
       {
         key: "public-used",
-        title: "公共账户累计消耗积分",
+        title: "公共账户累计消耗",
         value: overview.publicTotalPointsUsed ?? 0,
-        accent: "linear-gradient(135deg, rgba(11, 132, 98, 0.14), rgba(11, 132, 98, 0.02))",
+        accent: "rgba(82, 196, 26, 0.08)",
         note: "公共账户历史累计扣减",
       },
     );
@@ -132,14 +133,14 @@ function buildSummaryCards(overview: MeetingPointsOverviewVO | null) {
         key: "personal-balance",
         title: isAdmin ? "个人账户余额汇总" : "个人账户余额",
         value: overview.personalBalance ?? 0,
-        accent: "linear-gradient(135deg, rgba(148, 77, 255, 0.14), rgba(148, 77, 255, 0.02))",
+        accent: "rgba(114, 46, 209, 0.08)",
         note: isAdmin ? "管理员视角下的个人账户汇总" : "当前账号可用积分",
       },
       {
         key: "personal-used",
-        title: isAdmin ? "个人账户累计消耗积分汇总" : "个人账户累计消耗积分",
+        title: isAdmin ? "个人账户累计消耗汇总" : "个人账户累计消耗",
         value: overview.personalTotalPointsUsed ?? 0,
-        accent: "linear-gradient(135deg, rgba(237, 108, 2, 0.14), rgba(237, 108, 2, 0.02))",
+        accent: "rgba(250, 140, 22, 0.08)",
         note: isAdmin ? "管理员视角下的个人账户消耗汇总" : "当前账号历史累计扣减",
       },
     );
@@ -149,7 +150,7 @@ function buildSummaryCards(overview: MeetingPointsOverviewVO | null) {
     key: "charge-count",
     title: "累计消耗次数",
     value: overview.totalChargeCount ?? 0,
-    accent: "linear-gradient(135deg, rgba(48, 48, 48, 0.12), rgba(48, 48, 48, 0.02))",
+    accent: "rgba(38, 38, 38, 0.06)",
     note: "已发生扣费的总结记录数",
   });
 
@@ -168,6 +169,11 @@ export default function MeetingPointsManagement() {
   const [transferOpen, setTransferOpen] = useState(false);
   const [detail, setDetail] = useState<MeetingPointsLedgerDetailVO | null>(null);
   const [users, setUsers] = useState<SysUser[]>([]);
+  const [contentTab, setContentTab] = useState("ledger");
+  const [personalAccountPagination, setPersonalAccountPagination] = useState({
+    current: 1,
+    pageSize: 10,
+  });
   const [params, setParams] = useState({
     current: 1,
     size: 20,
@@ -180,8 +186,46 @@ export default function MeetingPointsManagement() {
   const isPublicOnly = overview?.accountMode === ACCOUNT_MODE_PUBLIC;
   const isPersonalOnly = overview?.accountMode === ACCOUNT_MODE_PERSONAL;
   const showTransferButton = isAdmin && !isPublicOnly;
-  const showPersonalGallery = isAdmin && !isPublicOnly;
-  const summaryCards = buildSummaryCards(overview);
+  const showPersonalAccountSection = Boolean(overview) && !isPublicOnly;
+  const summaryCards = useMemo(() => buildSummaryCards(overview), [overview]);
+
+  const personalAccountRows = useMemo<MeetingPointsPersonalAccountVO[]>(() => {
+    if (!overview || isPublicOnly) {
+      return [];
+    }
+
+    if (isAdmin) {
+      return overview.personalAccounts || [];
+    }
+
+    return [
+      {
+        userId: -1,
+        displayName: "当前账号",
+        currentBalance: overview.personalBalance ?? 0,
+        totalPointsUsed: overview.personalTotalPointsUsed ?? 0,
+      },
+    ];
+  }, [overview, isAdmin, isPublicOnly]);
+
+  const pagedPersonalAccounts = useMemo(() => {
+    const start = (personalAccountPagination.current - 1) * personalAccountPagination.pageSize;
+    const end = start + personalAccountPagination.pageSize;
+    return personalAccountRows.slice(start, end);
+  }, [personalAccountPagination, personalAccountRows]);
+
+  useEffect(() => {
+    setPersonalAccountPagination((prev) => {
+      const maxPage = Math.max(1, Math.ceil(personalAccountRows.length / prev.pageSize));
+      return prev.current > maxPage ? { ...prev, current: maxPage } : prev;
+    });
+  }, [personalAccountRows.length]);
+
+  useEffect(() => {
+    if (!isPersonalOnly && contentTab !== "ledger") {
+      setContentTab("ledger");
+    }
+  }, [contentTab, isPersonalOnly]);
 
   const loadOverview = async () => {
     const data = await getMeetingPointsOverview();
@@ -267,118 +311,205 @@ export default function MeetingPointsManagement() {
     }
   };
 
-  const columns = useMemo(
-    () => [
-      {
-        title: "用户",
-        dataIndex: "ownerUserName",
-        key: "ownerUserName",
-        width: 140,
-        render: (value: string) => <Text strong>{value || "-"}</Text>,
-      },
-      {
-        title: "扣费账户",
-        dataIndex: "chargeAccountType",
-        key: "chargeAccountType",
-        width: 120,
-        render: (value: string) => <Tag>{getAccountTypeLabel(value)}</Tag>,
-      },
-      {
-        title: "消耗类型",
-        dataIndex: "pointsType",
-        key: "pointsType",
-        width: 100,
-        render: (value: string) => <Tag color={getPointsTypeColor(value)}>{getPointsTypeLabel(value)}</Tag>,
-      },
-      {
-        title: "消耗积分",
-        dataIndex: "consumedPoints",
-        key: "consumedPoints",
-        width: 110,
-        render: (value: number) => <Text>{value ?? 0}</Text>,
-      },
-      {
-        title: "会议标题",
-        dataIndex: "meetingTitle",
-        key: "meetingTitle",
-        ellipsis: true,
-        render: (value: string) => <Text>{value || "-"}</Text>,
-      },
-      {
-        title: "触发类型",
-        dataIndex: "chargeTriggerType",
-        key: "chargeTriggerType",
-        width: 130,
-        render: (value: string) => <Tag>{getChargeTriggerLabel(value)}</Tag>,
-      },
-      {
-        title: "消耗时间",
-        dataIndex: "createdAt",
-        key: "createdAt",
-        width: 180,
-        render: (value: string) => <Text>{formatDateTime(value)}</Text>,
-      },
-      {
-        title: "操作",
-        key: "action",
-        width: 88,
-        fixed: "right" as const,
-        render: (_: unknown, record: MeetingPointsLedgerListItemVO) => (
-          <Button type="text" size="small" icon={<EyeOutlined />} onClick={() => void handleOpenDetail(record.id)}>
-            详情
-          </Button>
-        ),
-      },
-    ],
-    [],
+  const ledgerColumns = [
+    {
+      title: "用户",
+      dataIndex: "ownerUserName",
+      key: "ownerUserName",
+      width: 140,
+      render: (value: string) => <Text strong>{value || "-"}</Text>,
+    },
+    {
+      title: "扣费账户",
+      dataIndex: "chargeAccountType",
+      key: "chargeAccountType",
+      width: 120,
+      render: (value: string) => <Tag>{getAccountTypeLabel(value)}</Tag>,
+    },
+    {
+      title: "消耗类型",
+      dataIndex: "pointsType",
+      key: "pointsType",
+      width: 100,
+      render: (value: string) => <Tag color={getPointsTypeColor(value)}>{getPointsTypeLabel(value)}</Tag>,
+    },
+    {
+      title: "消耗积分",
+      dataIndex: "consumedPoints",
+      key: "consumedPoints",
+      width: 110,
+      render: (value: number) => <Text>{value ?? 0}</Text>,
+    },
+    {
+      title: "会议标题",
+      dataIndex: "meetingTitle",
+      key: "meetingTitle",
+      ellipsis: true,
+      render: (value: string) => <Text>{value || "-"}</Text>,
+    },
+    {
+      title: "触发类型",
+      dataIndex: "chargeTriggerType",
+      key: "chargeTriggerType",
+      width: 130,
+      render: (value: string) => <Tag>{getChargeTriggerLabel(value)}</Tag>,
+    },
+    {
+      title: "消耗时间",
+      dataIndex: "createdAt",
+      key: "createdAt",
+      width: 180,
+      render: (value: string) => <Text>{formatDateTime(value)}</Text>,
+    },
+    {
+      title: "操作",
+      key: "action",
+      width: 88,
+      fixed: "right" as const,
+      render: (_: unknown, record: MeetingPointsLedgerListItemVO) => (
+        <Button type="text" size="small" icon={<EyeOutlined />} onClick={() => void handleOpenDetail(record.id)}>
+          详情
+        </Button>
+      ),
+    },
+  ];
+
+  const personalAccountColumns = [
+    {
+      title: "序号",
+      key: "index",
+      width: 80,
+      render: (_: unknown, __: MeetingPointsPersonalAccountVO, index: number) =>
+        (personalAccountPagination.current - 1) * personalAccountPagination.pageSize + index + 1,
+    },
+    {
+      title: "账户",
+      key: "displayName",
+      width: 260,
+      render: (_: unknown, record: MeetingPointsPersonalAccountVO) => (
+        <Space direction="vertical" size={2}>
+          <Text strong>{record.displayName || record.username || `用户 #${record.userId}`}</Text>
+          <Text type="secondary">{record.username ? `@${record.username}` : `ID ${record.userId}`}</Text>
+        </Space>
+      ),
+    },
+    {
+      title: "当前余额",
+      dataIndex: "currentBalance",
+      key: "currentBalance",
+      width: 140,
+      render: (value: number) => <Text strong>{value ?? 0}</Text>,
+    },
+    {
+      title: "累计消耗",
+      dataIndex: "totalPointsUsed",
+      key: "totalPointsUsed",
+      width: 140,
+      render: (value: number) => <Text>{value ?? 0}</Text>,
+    },
+    {
+      title: "账户类型",
+      key: "accountType",
+      width: 120,
+      render: () => <Tag color="purple">个人账户</Tag>,
+    },
+  ];
+
+  const chargeItemColumns = [
+    {
+      title: "阶段",
+      dataIndex: "chargeStage",
+      key: "chargeStage",
+      render: (value: string) => <Tag color={getPointsTypeColor(value)}>{getPointsTypeLabel(value)}</Tag>,
+    },
+    {
+      title: "扣费账户",
+      dataIndex: "accountType",
+      key: "accountType",
+      render: (value: string) => getAccountTypeLabel(value),
+    },
+    {
+      title: "账户用户ID",
+      dataIndex: "accountUserId",
+      key: "accountUserId",
+    },
+    {
+      title: "扣费积分",
+      dataIndex: "chargedPoints",
+      key: "chargedPoints",
+    },
+    {
+      title: "扣费前余额",
+      dataIndex: "balanceBefore",
+      key: "balanceBefore",
+    },
+    {
+      title: "扣费后余额",
+      dataIndex: "balanceAfter",
+      key: "balanceAfter",
+    },
+  ];
+
+  const ledgerTableContent = (
+    <div style={{ display: "flex", flexDirection: "column" , height:"400px"}}>
+      <div className="app-page__table-wrap" style={{ overflow: "auto", padding: "0 24px" }}>
+        <ListTable<MeetingPointsLedgerListItemVO>
+          rowKey="id"
+          columns={ledgerColumns}
+          dataSource={records}
+          loading={loading}
+          totalCount={total}
+          scroll={{ x: 1200,y: 400 }}
+          pagination={false}
+        />
+      </div>
+      <div style={{ padding: "16px 24px" }}>
+        <AppPagination
+          current={params.current}
+          pageSize={params.size}
+          total={total}
+          onChange={(page, pageSize) => {
+            const nextParams = { ...params, current: page, size: pageSize };
+            setParams(nextParams);
+            void loadPage(nextParams);
+          }}
+        />
+      </div>
+    </div>
   );
 
-  const chargeItemColumns = useMemo(
-    () => [
-      {
-        title: "阶段",
-        dataIndex: "chargeStage",
-        key: "chargeStage",
-        render: (value: string) => <Tag color={getPointsTypeColor(value)}>{getPointsTypeLabel(value)}</Tag>,
-      },
-      {
-        title: "扣费账户",
-        dataIndex: "accountType",
-        key: "accountType",
-        render: (value: string) => getAccountTypeLabel(value),
-      },
-      {
-        title: "账户用户ID",
-        dataIndex: "accountUserId",
-        key: "accountUserId",
-      },
-      {
-        title: "扣费积分",
-        dataIndex: "chargedPoints",
-        key: "chargedPoints",
-      },
-      {
-        title: "扣费前余额",
-        dataIndex: "balanceBefore",
-        key: "balanceBefore",
-      },
-      {
-        title: "扣费后余额",
-        dataIndex: "balanceAfter",
-        key: "balanceAfter",
-      },
-    ],
-    [],
+  const personalAccountTableContent = (
+    <div style={{ display: "flex", flexDirection: "column",height:'400px' }}>
+      <div className="app-page__table-wrap" style={{ overflow: "auto", padding: "0 24px" }}>
+        <ListTable<MeetingPointsPersonalAccountVO>
+          rowKey="userId"
+          columns={personalAccountColumns}
+          dataSource={pagedPersonalAccounts}
+          totalCount={personalAccountRows.length}
+          scroll={{ x: 1200,y: 400 }}
+          pagination={false}
+        />
+      </div>
+      <div style={{ padding: "16px 24px" }}>
+        <AppPagination
+          current={personalAccountPagination.current}
+          pageSize={personalAccountPagination.pageSize}
+          total={personalAccountRows.length}
+          onChange={(page, pageSize) => {
+            setPersonalAccountPagination({ current: page, pageSize });
+          }}
+        />
+      </div>
+    </div>
   );
 
   return (
     <PageContainer
       title="积分管理"
       subtitle="根据当前扣费模式查看公共账户、个人账户和会议积分消耗轨迹"
+      style={{ height: "auto" }}
       headerExtra={
         <Space>
-          <Tag color="processing">当前模式：{getAccountModeLabel(overview?.accountMode)}</Tag>
-          <Tag color="blue">优先级：{getChargePriorityLabel(overview?.chargePriority)}</Tag>
           {showTransferButton ? (
             <Button icon={<PlusOutlined />} onClick={() => void handleOpenTransfer()}>
               分配积分
@@ -412,204 +543,92 @@ export default function MeetingPointsManagement() {
         </Space>
       }
     >
-      <Card
-        bordered={false}
-        style={{
-          marginBottom: 16,
-          borderRadius: 24,
-          background:
-            "linear-gradient(180deg, rgba(248,250,252,0.96) 0%, rgba(255,255,255,0.98) 100%)",
-          boxShadow: "0 18px 40px rgba(15, 23, 42, 0.06)",
-        }}
-      >
-        <Space direction="vertical" size={20} style={{ width: "100%" }}>
-          <div style={{ display: "flex", justifyContent: "space-between", gap: 16, flexWrap: "wrap" }}>
-            <div>
-              <Text type="secondary" style={{ letterSpacing: 1.4 }}>
-                POINTS OPERATIONS BOARD
-              </Text>
-              <Title level={4} style={{ margin: "8px 0 0" }}>
-                {isPublicOnly
-                  ? "当前为公共账户结算视图"
-                  : isPersonalOnly
-                    ? "当前为个人账户结算视图"
-                    : "当前为公共与个人混合结算视图"}
-              </Title>
-            </div>
-            <div style={{ textAlign: "right" }}>
-              <Text type="secondary">统计口径</Text>
-              <div style={{ marginTop: 6 }}>
-                <Tag color={isAdmin ? "gold" : "default"}>{isAdmin ? "管理员视角" : "当前用户视角"}</Tag>
-              </div>
-            </div>
-          </div>
-
-          <Row gutter={[16, 16]}>
-            {summaryCards.map((item) => (
-              <Col xs={24} md={12} xl={24 / Math.min(summaryCards.length, 5)} key={item.key}>
-                <Card
-                  size="small"
-                  style={{
-                    borderRadius: 20,
-                    border: "1px solid rgba(15, 23, 42, 0.06)",
-                    background: item.accent,
-                    minHeight: 142,
-                  }}
-                  styles={{ body: { padding: 18 } }}
-                >
-                  <Space direction="vertical" size={10} style={{ width: "100%" }}>
-                    <Text type="secondary">{item.title}</Text>
-                    <Statistic value={item.value} valueStyle={{ fontSize: 30, fontWeight: 700, color: "#111827" }} />
-                    <Text type="secondary" style={{ fontSize: 12 }}>
-                      {item.note}
-                    </Text>
-                  </Space>
-                </Card>
-              </Col>
-            ))}
-          </Row>
-        </Space>
-      </Card>
-
-      {showPersonalGallery ? (
-        <Card
-          bordered={false}
+      <div style={{ marginBottom: 20, padding: "0 4px" }}>
+        <div
           style={{
+            display: "flex",
+            justifyContent: "space-between",
+            alignItems: "center",
+            gap: 16,
+            flexWrap: "wrap",
             marginBottom: 16,
-            borderRadius: 24,
-            background: "linear-gradient(180deg, rgba(255,255,255,0.98) 0%, rgba(245,247,250,0.96) 100%)",
-            boxShadow: "0 16px 34px rgba(15, 23, 42, 0.05)",
           }}
         >
-          <Space direction="vertical" size={18} style={{ width: "100%" }}>
-            <div style={{ display: "flex", justifyContent: "space-between", gap: 16, flexWrap: "wrap" }}>
-              <div>
-                <Title level={5} style={{ margin: 0 }}>
-                  个人账户余额画廊
-                </Title>
-                <Text type="secondary">
-                  仅管理员可见，按当前余额从高到低展示全部个人账户。
-                </Text>
-              </div>
-              <Tag color="purple">{overview?.personalAccounts?.length ?? 0} 个账户</Tag>
-            </div>
-
-            {overview?.personalAccounts?.length ? (
-              <Row gutter={[16, 16]}>
-                {overview.personalAccounts.map((account: MeetingPointsPersonalAccountVO, index) => (
-                  <Col xs={24} sm={12} xl={8} xxl={6} key={account.userId}>
-                    <Card
-                      size="small"
-                      style={{
-                        borderRadius: 20,
-                        border: "1px solid rgba(124, 58, 237, 0.08)",
-                        background:
-                          index < 3
-                            ? "linear-gradient(145deg, rgba(255,255,255,1) 0%, rgba(245,241,255,0.98) 100%)"
-                            : "linear-gradient(145deg, rgba(255,255,255,1) 0%, rgba(249,250,251,0.98) 100%)",
-                        minHeight: 158,
-                      }}
-                      styles={{ body: { padding: 18 } }}
-                    >
-                      <Space direction="vertical" size={14} style={{ width: "100%" }}>
-                        <div style={{ display: "flex", justifyContent: "space-between", alignItems: "flex-start", gap: 12 }}>
-                          <Space size={12} align="start">
-                            <div
-                              style={{
-                                width: 38,
-                                height: 38,
-                                borderRadius: 14,
-                                display: "flex",
-                                alignItems: "center",
-                                justifyContent: "center",
-                                background: "rgba(124, 58, 237, 0.10)",
-                                color: "#7c3aed",
-                                flexShrink: 0,
-                              }}
-                            >
-                              <UserOutlined />
-                            </div>
-                            <div>
-                              <Text strong style={{ display: "block" }}>
-                                {account.displayName || account.username || `用户 #${account.userId}`}
-                              </Text>
-                              <Text type="secondary" style={{ fontSize: 12 }}>
-                                {account.username ? `@${account.username}` : `ID ${account.userId}`}
-                              </Text>
-                            </div>
-                          </Space>
-                          {index < 3 ? <Tag color="gold">TOP {index + 1}</Tag> : null}
-                        </div>
-
-                        <div>
-                          <Text type="secondary">当前余额</Text>
-                          <div style={{ fontSize: 30, fontWeight: 700, lineHeight: 1.2, color: "#111827" }}>
-                            {account.currentBalance ?? 0}
-                          </div>
-                        </div>
-
-                        <div
-                          style={{
-                            display: "grid",
-                            gridTemplateColumns: "repeat(2, minmax(0, 1fr))",
-                            gap: 10,
-                            padding: 12,
-                            borderRadius: 16,
-                            background: "rgba(15, 23, 42, 0.03)",
-                          }}
-                        >
-                          <div>
-                            <Text type="secondary" style={{ fontSize: 12 }}>
-                              累计消耗
-                            </Text>
-                            <div style={{ fontWeight: 600 }}>{account.totalPointsUsed ?? 0}</div>
-                          </div>
-                          <div>
-                            <Text type="secondary" style={{ fontSize: 12 }}>
-                              账户类型
-                            </Text>
-                            <div style={{ fontWeight: 600 }}>个人</div>
-                          </div>
-                        </div>
-                      </Space>
-                    </Card>
-                  </Col>
-                ))}
-              </Row>
-            ) : (
-              <Empty description="当前没有可展示的个人账户数据" />
-            )}
+          <Text strong style={{ fontSize: 16 }}>
+            账户概览
+          </Text>
+          <Space wrap>
+            <Tag color="processing" bordered={false}>
+              模式：{getAccountModeLabel(overview?.accountMode)}
+            </Tag>
+            <Tag color="blue" bordered={false}>
+              优先级：{getChargePriorityLabel(overview?.chargePriority)}
+            </Tag>
+            <Tag color={isAdmin ? "gold" : "default"} bordered={false}>
+              {isAdmin ? "管理员视角" : "当前用户视角"}
+            </Tag>
           </Space>
-        </Card>
-      ) : null}
-
-      <Card
-        className="app-page__content-card"
-        style={{ flex: 1, minHeight: 0 }}
-        styles={{ body: { padding: 0, display: "flex", flexDirection: "column", minHeight: 0 } }}
-      >
-        <div className="app-page__table-wrap" style={{ flex: 1, minHeight: 0, overflow: "auto", padding: "0 24px" }}>
-          <ListTable
-            rowKey="id"
-            columns={columns as never}
-            dataSource={records}
-            loading={loading}
-            totalCount={total}
-            scroll={{ y: "calc(100vh - 510px)", x: 1200 }}
-            pagination={false}
-          />
         </div>
-        <AppPagination
-          current={params.current}
-          pageSize={params.size}
-          total={total}
-          onChange={(page, pageSize) => {
-            const nextParams = { ...params, current: page, size: pageSize };
-            setParams(nextParams);
-            void loadPage(nextParams);
-          }}
-        />
-      </Card>
+
+        <Row gutter={[40, 16]}>
+          {summaryCards.map((item) => (
+            <Col key={item.key}>
+              <Statistic
+                title={<span style={{ color: "rgba(0,0,0,0.45)", fontSize: 12 }}>{item.title}</span>}
+                value={item.value}
+                valueStyle={{ fontSize: 24, fontWeight: 700 }}
+              />
+              <div style={{ fontSize: 11, color: "rgba(0,0,0,0.45)", marginTop: 2 }}>{item.note}</div>
+            </Col>
+          ))}
+        </Row>
+      </div>
+
+      {isPersonalOnly ? (
+        <Card className="app-page__content-card" styles={{ body: { padding: 0 } }}>
+          <Tabs
+            activeKey={contentTab}
+            onChange={setContentTab}
+            items={[
+              {
+                key: "ledger",
+                label: "积分明细",
+                children: ledgerTableContent,
+              },
+              {
+                key: "personal-account",
+                label: "个人账户",
+                children: personalAccountTableContent,
+              },
+            ]}
+          />
+        </Card>
+      ) : (
+        <div style={{ display: "flex", flexDirection: "column", gap: 16 }}>
+          <Card className="app-page__content-card" styles={{ body: { padding: 0 } }}>
+            {ledgerTableContent}
+          </Card>
+
+          {showPersonalAccountSection ? (
+            <Card className="app-page__content-card" styles={{ body: { padding: 0 } }}>
+              <div style={{ padding: "20px 24px 8px" }}>
+                <Text strong style={{ fontSize: 16 }}>
+                  个人账户
+                </Text>
+                <div style={{ marginTop: 4 }}>
+                  <Text type="secondary">
+                    {isAdmin ? "按当前余额展示全部个人账户。" : "展示当前账号的个人积分账户。"}
+                  </Text>
+                </div>
+              </div>
+              {personalAccountTableContent}
+            </Card>
+          ) : null}
+        </div>
+      )}
+
+
+
 
       <Modal
         title="积分流水详情"
@@ -655,7 +674,7 @@ export default function MeetingPointsManagement() {
                 rowKey="id"
                 size="small"
                 pagination={false}
-                columns={chargeItemColumns as never}
+                columns={chargeItemColumns}
                 dataSource={detail.chargeItems || []}
               />
             </Card>