diff --git a/test_all_apis.sh b/test_all_apis.sh
new file mode 100755
index 0000000..10ab50c
--- /dev/null
+++ b/test_all_apis.sh
@@ -0,0 +1,209 @@
+#!/bin/bash
+
+# ==========================================
+# 完整 API 测试脚本
+# 测试所有 32 个后端 API 端点
+# ==========================================
+
+set -e
+
+BASE_URL="${API_BASE_URL:-http://localhost:8080}"
+API_URL="$BASE_URL/api/v1"
+
+echo "=========================================="
+echo "  RustJR 完整 API 测试"
+echo "  测试目标: $BASE_URL"
+echo "=========================================="
+
+# 颜色定义
+RED='\033[0;31m'
+GREEN='\033[0;32m'
+YELLOW='\033[1;33m'
+NC='\033[0m' # No Color
+
+# 计数器
+TOTAL=0
+PASSED=0
+FAILED=0
+
+# 测试函数
+test_api() {
+    local method=$1
+    local endpoint=$2
+    local data=$3
+    local description=$4
+    
+    TOTAL=$((TOTAL + 1))
+    
+    echo -n "[$TOTAL] $description... "
+    
+    if [ "$method" == "GET" ]; then
+        response=$(curl -s -o /dev/null -w "%{http_code}" "$API_URL$endpoint" 2>/dev/null || echo "000")
+    else
+        response=$(curl -s -o /dev/null -w "%{http_code}" -X $method -H "Content-Type: application/json" -d "$data" "$API_URL$endpoint" 2>/dev/null || echo "000")
+    fi
+    
+    if [ "$response" == "200" ] || [ "$response" == "201" ]; then
+        echo -e "${GREEN}✓ PASS${NC} (HTTP $response)"
+        PASSED=$((PASSED + 1))
+    elif [ "$response" == "404" ] || [ "$response" == "400" ]; then
+        echo -e "${YELLOW}⚠ WARN${NC} (HTTP $response - 可能数据不存在)"
+        PASSED=$((PASSED + 1))
+    elif [ "$response" == "000" ]; then
+        echo -e "${RED}✗ FAIL${NC} (连接失败)"
+        FAILED=$((FAILED + 1))
+    else
+        echo -e "${RED}✗ FAIL${NC} (HTTP $response)"
+        FAILED=$((FAILED + 1))
+    fi
+}
+
+# 健康检查
+echo ""
+echo "==================== 健康检查 ===================="
+test_api "GET" "" "" "健康检查 (基础路径)"
+
+HEALTH_STATUS=$(curl -s -o /dev/null -w "%{http_code}" "$BASE_URL/health" 2>/dev/null || echo "000")
+if [ "$HEALTH_STATUS" == "200" ]; then
+    echo -e "${GREEN}✓ 服务运行正常${NC}"
+else
+    echo -e "${RED}✗ 服务未运行，请先启动后端服务: cargo run${NC}"
+    exit 1
+fi
+
+# ==================== Account API (11个端点) ====================
+echo ""
+echo "==================== Account API (11个端点) ===================="
+
+TIMESTAMP=$(date +%s)
+
+# 1. 创建实体账户
+test_api "POST" "/physical-accounts" "{\"account_no\":\"ACC_TEST_$TIMESTAMP\",\"account_name\":\"测试账户\",\"bank_code\":\"ICBC\",\"consistency_mode\":\"eventual\",\"outbound_control\":\"online_bank\"}" "创建实体账户"
+
+# 2. 获取实体账户列表
+test_api "GET" "/physical-accounts?page=1&page_size=10" "" "获取实体账户列表"
+
+# 3. 获取实体账户详情
+test_api "GET" "/physical-accounts/1" "" "获取实体账户详情"
+
+# 4. 冻结实体账户
+test_api "POST" "/physical-accounts/1/freeze" "{\"amount\":\"100.00\"}" "冻结实体账户"
+
+# 5. 解冻实体账户
+test_api "POST" "/physical-accounts/1/unfreeze" "{\"amount\":\"50.00\"}" "解冻实体账户"
+
+# 6. 创建虚拟子账户
+test_api "POST" "/sub-accounts" "{\"physical_account_id\":1,\"account_code\":\"SUB_$TIMESTAMP\",\"account_type\":\"settlement\"}" "创建虚拟子账户"
+
+# 7. 获取子账户详情
+test_api "GET" "/sub-accounts/1" "" "获取子账户详情"
+
+# 8. 获取子账户余额
+test_api "GET" "/sub-accounts/1/balance" "" "获取子账户余额"
+
+# 9. 冻结子账户
+test_api "POST" "/sub-accounts/1/freeze" "{\"amount\":\"10.00\"}" "冻结子账户"
+
+# 10. 解冻子账户
+test_api "POST" "/sub-accounts/1/unfreeze" "{\"amount\":\"5.00\"}" "解冻子账户"
+
+# 11. 关闭子账户 (跳过，会影响后续测试)
+echo "[跳过] 关闭子账户 (会影响后续测试)"
+
+# ==================== Transaction API (5个端点) ====================
+echo ""
+echo "==================== Transaction API (5个端点) ===================="
+
+# 12. 发起转账
+test_api "POST" "/transactions/transfer" "{\"from_account_id\":1,\"to_account_id\":1,\"amount\":\"100.00\",\"remark\":\"测试转账\"}" "发起转账"
+
+# 13. 发起充值
+test_api "POST" "/transactions/deposit" "{\"account_id\":1,\"amount\":\"1000.00\",\"source_key\":\"DEP_$TIMESTAMP\"}" "发起充值"
+
+# 14. 发起提现
+test_api "POST" "/transactions/withdraw" "{\"account_id\":1,\"amount\":\"50.00\"}" "发起提现"
+
+# 15. 获取交易详情
+test_api "GET" "/transactions/1" "" "获取交易详情"
+
+# 16. 获取交易列表
+test_api "GET" "/transactions?page=1&page_size=10" "" "获取交易列表"
+
+# ==================== Ledger API (3个端点) ====================
+echo ""
+echo "==================== Ledger API (3个端点) ===================="
+
+# 17. 获取会计科目列表
+test_api "GET" "/ledger/subjects" "" "获取会计科目列表"
+
+# 18. 获取分录详情
+test_api "GET" "/ledger/entries/1" "" "获取分录详情"
+
+# 19. 获取账户分录列表
+test_api "GET" "/ledger/accounts/1/entries?account_type=physical" "" "获取账户分录列表"
+
+# ==================== Reconciliation API (8个端点) ====================
+echo ""
+echo "==================== Reconciliation API (8个端点) ===================="
+
+# 20. 执行对账
+test_api "POST" "/reconciliation/run" "{\"physical_account_id\":1,\"recon_date\":\"2024-01-01\"}" "执行对账"
+
+# 21. 获取对账批次详情
+test_api "GET" "/reconciliation/batches/1" "" "获取对账批次详情"
+
+# 22. 获取对账明细
+test_api "GET" "/reconciliation/batches/1/items" "" "获取对账明细"
+
+# 23. 三账校验
+test_api "GET" "/reconciliation/three-account/1" "" "三账校验"
+
+# 24. 创建手工补录
+test_api "POST" "/reconciliation/adjustments" "{\"adjustment_type\":\"add\",\"account_id\":1,\"amount\":\"100.00\",\"reason\":\"测试补录\"}" "创建手工补录"
+
+# 25. 审批补录
+test_api "POST" "/reconciliation/adjustments/1/approve" "{\"approver\":\"admin\"}" "审批补录"
+
+# 26. 拒绝补录
+test_api "POST" "/reconciliation/adjustments/2/reject" "{\"approver\":\"admin\",\"reason\":\"测试拒绝\"}" "拒绝补录"
+
+# 27. 获取待审批补录
+test_api "GET" "/reconciliation/adjustments/pending" "" "获取待审批补录"
+
+# ==================== Points API (5个端点) ====================
+echo ""
+echo "==================== Points API (5个端点) ===================="
+
+# 28. 获取积分账户
+test_api "GET" "/points/accounts/1" "" "获取积分账户"
+
+# 29. 获取积分
+test_api "POST" "/points/earn" "{\"points_account_id\":1,\"amount\":\"100.00\"}" "获取积分"
+
+# 30. 消费积分
+test_api "POST" "/points/spend" "{\"points_account_id\":1,\"amount\":\"50.00\"}" "消费积分"
+
+# 31. 转移积分
+test_api "POST" "/points/transfer" "{\"from_account_id\":1,\"to_account_id\":2,\"amount\":\"10.00\"}" "转移积分"
+
+# 32. 获取积分交易列表
+test_api "GET" "/points/transactions?page=1&page_size=10" "" "获取积分交易列表"
+
+# ==================== 测试结果汇总 ====================
+echo ""
+echo "=========================================="
+echo "  测试结果汇总"
+echo "=========================================="
+echo "总计测试: $TOTAL"
+echo -e "通过: ${GREEN}$PASSED${NC}"
+echo -e "失败: ${RED}$FAILED${NC}"
+echo ""
+
+if [ $FAILED -eq 0 ]; then
+    echo -e "${GREEN}✓ 所有测试通过！${NC}"
+    exit 0
+else
+    echo -e "${YELLOW}⚠ 部分测试失败，请检查后端服务和数据库状态${NC}"
+    exit 1
+fi
+
diff --git a/tests/api_integration_tests.rs b/tests/api_integration_tests.rs
new file mode 100644
index 0000000..bdf982f
--- /dev/null
+++ b/tests/api_integration_tests.rs
@@ -0,0 +1,727 @@
+//! API 集成测试
+//! 测试所有 32 个后端 API 端点
+
+use axum::http::StatusCode;
+use serde_json::{json, Value};
+
+/// 测试辅助模块
+mod test_helpers {
+    use super::*;
+    
+    /// 测试基础 URL
+    pub const BASE_URL: &str = "http://localhost:8080";
+    
+    /// 创建测试客户端
+    pub fn create_client() -> reqwest::Client {
+        reqwest::Client::new()
+    }
+    
+    /// 断言响应成功
+    pub fn assert_success(status: StatusCode) {
+        assert!(status.is_success(), "Expected success status, got: {}", status);
+    }
+}
+
+// ==================== Account API 测试 (11个端点) ====================
+
+#[cfg(test)]
+mod account_api_tests {
+    use super::test_helpers::*;
+    use reqwest::Client;
+    use serde_json::json;
+
+    /// 测试创建实体账户
+    /// POST /api/v1/physical-accounts
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_create_physical_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/physical-accounts", BASE_URL);
+        
+        let body = json!({
+            "account_no": format!("ACC_TEST_{}", chrono::Utc::now().timestamp()),
+            "account_name": "测试账户",
+            "bank_code": "ICBC",
+            "bank_name": "中国工商银行",
+            "consistency_mode": "eventual",
+            "outbound_control": "online_bank"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        assert!(res.status().is_success(), "创建账户失败: {}", res.status());
+        
+        let json: serde_json::Value = res.json().await.unwrap();
+        assert!(json["data"]["id"].is_number(), "返回数据应包含 id");
+        println!("✅ 创建实体账户成功: {:?}", json);
+    }
+
+    /// 测试获取实体账户列表
+    /// GET /api/v1/physical-accounts
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_list_physical_accounts() {
+        let client = create_client();
+        let url = format!("{}/api/v1/physical-accounts?page=1&page_size=10", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        assert!(res.status().is_success(), "获取账户列表失败");
+        
+        let json: serde_json::Value = res.json().await.unwrap();
+        assert!(json["data"]["data"].is_array(), "返回数据应为数组");
+        println!("✅ 获取账户列表成功, 总数: {}", json["data"]["total"]);
+    }
+
+    /// 测试获取实体账户详情
+    /// GET /api/v1/physical-accounts/:id
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_physical_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/physical-accounts/1", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        // 可能账户不存在，接受 404
+        if res.status().is_success() {
+            let json: serde_json::Value = res.json().await.unwrap();
+            println!("✅ 获取账户详情成功: {:?}", json["data"]["account_no"]);
+        } else {
+            println!("⚠️ 账户不存在 (预期行为)");
+        }
+    }
+
+    /// 测试冻结实体账户资金
+    /// POST /api/v1/physical-accounts/:id/freeze
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_freeze_physical_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/physical-accounts/1/freeze", BASE_URL);
+        
+        let body = json!({
+            "amount": "100.00"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("冻结账户结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试解冻实体账户资金
+    /// POST /api/v1/physical-accounts/:id/unfreeze
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_unfreeze_physical_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/physical-accounts/1/unfreeze", BASE_URL);
+        
+        let body = json!({
+            "amount": "50.00"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("解冻账户结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试创建虚拟子账户
+    /// POST /api/v1/sub-accounts
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_create_sub_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/sub-accounts", BASE_URL);
+        
+        let body = json!({
+            "physical_account_id": 1,
+            "account_code": format!("SUB_TEST_{}", chrono::Utc::now().timestamp()),
+            "account_type": "settlement"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("创建子账户结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取子账户详情
+    /// GET /api/v1/sub-accounts/:id
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_sub_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/sub-accounts/1", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取子账户结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取子账户余额
+    /// GET /api/v1/sub-accounts/:id/balance
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_sub_account_balance() {
+        let client = create_client();
+        let url = format!("{}/api/v1/sub-accounts/1/balance", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取子账户余额结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试冻结子账户资金
+    /// POST /api/v1/sub-accounts/:id/freeze
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_freeze_sub_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/sub-accounts/1/freeze", BASE_URL);
+        
+        let body = json!({
+            "amount": "10.00"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("冻结子账户结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试解冻子账户资金
+    /// POST /api/v1/sub-accounts/:id/unfreeze
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_unfreeze_sub_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/sub-accounts/1/unfreeze", BASE_URL);
+        
+        let body = json!({
+            "amount": "5.00"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("解冻子账户结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试关闭子账户
+    /// POST /api/v1/sub-accounts/:id/close
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_close_sub_account() {
+        let client = create_client();
+        let url = format!("{}/api/v1/sub-accounts/1/close", BASE_URL);
+        
+        let res = client.post(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("关闭子账户结果: {} - {:?}", res.status(), res.text().await);
+    }
+}
+
+// ==================== Transaction API 测试 (5个端点) ====================
+
+#[cfg(test)]
+mod transaction_api_tests {
+    use super::test_helpers::*;
+    use serde_json::json;
+
+    /// 测试发起转账
+    /// POST /api/v1/transactions/transfer
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_transfer() {
+        let client = create_client();
+        let url = format!("{}/api/v1/transactions/transfer", BASE_URL);
+        
+        let body = json!({
+            "from_account_id": 1,
+            "to_account_id": 2,
+            "amount": "100.00",
+            "remark": "测试转账"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("转账结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试发起充值
+    /// POST /api/v1/transactions/deposit
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_deposit() {
+        let client = create_client();
+        let url = format!("{}/api/v1/transactions/deposit", BASE_URL);
+        
+        let body = json!({
+            "account_id": 1,
+            "amount": "1000.00",
+            "source_key": format!("DEP_{}", chrono::Utc::now().timestamp()),
+            "remark": "测试充值"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("充值结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试发起提现
+    /// POST /api/v1/transactions/withdraw
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_withdraw() {
+        let client = create_client();
+        let url = format!("{}/api/v1/transactions/withdraw", BASE_URL);
+        
+        let body = json!({
+            "account_id": 1,
+            "amount": "50.00",
+            "remark": "测试提现"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("提现结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取交易详情
+    /// GET /api/v1/transactions/:id
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_transaction() {
+        let client = create_client();
+        let url = format!("{}/api/v1/transactions/1", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取交易详情结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取交易列表
+    /// GET /api/v1/transactions
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_list_transactions() {
+        let client = create_client();
+        let url = format!("{}/api/v1/transactions?page=1&page_size=10", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        assert!(res.status().is_success(), "获取交易列表失败");
+        println!("获取交易列表成功");
+    }
+}
+
+// ==================== Ledger API 测试 (3个端点) ====================
+
+#[cfg(test)]
+mod ledger_api_tests {
+    use super::test_helpers::*;
+
+    /// 测试获取会计科目列表
+    /// GET /api/v1/ledger/subjects
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_list_subjects() {
+        let client = create_client();
+        let url = format!("{}/api/v1/ledger/subjects", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取会计科目结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取分录详情
+    /// GET /api/v1/ledger/entries/:id
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_entry() {
+        let client = create_client();
+        let url = format!("{}/api/v1/ledger/entries/1", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取分录详情结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取账户分录列表
+    /// GET /api/v1/ledger/accounts/:id/entries
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_account_entries() {
+        let client = create_client();
+        let url = format!("{}/api/v1/ledger/accounts/1/entries?account_type=physical", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取账户分录结果: {} - {:?}", res.status(), res.text().await);
+    }
+}
+
+// ==================== Reconciliation API 测试 (8个端点) ====================
+
+#[cfg(test)]
+mod reconciliation_api_tests {
+    use super::test_helpers::*;
+    use serde_json::json;
+
+    /// 测试执行对账
+    /// POST /api/v1/reconciliation/run
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_run_reconciliation() {
+        let client = create_client();
+        let url = format!("{}/api/v1/reconciliation/run", BASE_URL);
+        
+        let body = json!({
+            "physical_account_id": 1,
+            "recon_date": "2024-01-01"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("执行对账结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取对账批次详情
+    /// GET /api/v1/reconciliation/batches/:id
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_batch() {
+        let client = create_client();
+        let url = format!("{}/api/v1/reconciliation/batches/1", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取对账批次结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取对账明细
+    /// GET /api/v1/reconciliation/batches/:id/items
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_batch_items() {
+        let client = create_client();
+        let url = format!("{}/api/v1/reconciliation/batches/1/items", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取对账明细结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试三账校验
+    /// GET /api/v1/reconciliation/three-account/:account_id
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_verify_three_accounts() {
+        let client = create_client();
+        let url = format!("{}/api/v1/reconciliation/three-account/1", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        if res.status().is_success() {
+            let json: serde_json::Value = res.json().await.unwrap();
+            println!("✅ 三账校验成功: is_balanced={}", json["data"]["is_balanced"]);
+        } else {
+            println!("三账校验失败: {}", res.status());
+        }
+    }
+
+    /// 测试创建手工补录
+    /// POST /api/v1/reconciliation/adjustments
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_create_adjustment() {
+        let client = create_client();
+        let url = format!("{}/api/v1/reconciliation/adjustments", BASE_URL);
+        
+        let body = json!({
+            "adjustment_type": "add",
+            "account_id": 1,
+            "amount": "100.00",
+            "reason": "测试补录"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("创建补录结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试审批补录
+    /// POST /api/v1/reconciliation/adjustments/:id/approve
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_approve_adjustment() {
+        let client = create_client();
+        let url = format!("{}/api/v1/reconciliation/adjustments/1/approve", BASE_URL);
+        
+        let body = json!({
+            "approver": "admin"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("审批补录结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试拒绝补录
+    /// POST /api/v1/reconciliation/adjustments/:id/reject
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_reject_adjustment() {
+        let client = create_client();
+        let url = format!("{}/api/v1/reconciliation/adjustments/1/reject", BASE_URL);
+        
+        let body = json!({
+            "approver": "admin",
+            "reason": "测试拒绝"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("拒绝补录结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取待审批补录列表
+    /// GET /api/v1/reconciliation/adjustments/pending
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_list_pending_adjustments() {
+        let client = create_client();
+        let url = format!("{}/api/v1/reconciliation/adjustments/pending", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取待审批补录结果: {} - {:?}", res.status(), res.text().await);
+    }
+}
+
+// ==================== Points API 测试 (5个端点) ====================
+
+#[cfg(test)]
+mod points_api_tests {
+    use super::test_helpers::*;
+    use serde_json::json;
+
+    /// 测试获取积分账户
+    /// GET /api/v1/points/accounts/:sub_account_id
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_get_points_accounts() {
+        let client = create_client();
+        let url = format!("{}/api/v1/points/accounts/1", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取积分账户结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取积分
+    /// POST /api/v1/points/earn
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_earn_points() {
+        let client = create_client();
+        let url = format!("{}/api/v1/points/earn", BASE_URL);
+        
+        let body = json!({
+            "points_account_id": 1,
+            "amount": "100.00",
+            "remark": "测试获取积分"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取积分结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试消费积分
+    /// POST /api/v1/points/spend
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_spend_points() {
+        let client = create_client();
+        let url = format!("{}/api/v1/points/spend", BASE_URL);
+        
+        let body = json!({
+            "points_account_id": 1,
+            "amount": "50.00",
+            "remark": "测试消费积分"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("消费积分结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试转移积分
+    /// POST /api/v1/points/transfer
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_transfer_points() {
+        let client = create_client();
+        let url = format!("{}/api/v1/points/transfer", BASE_URL);
+        
+        let body = json!({
+            "from_account_id": 1,
+            "to_account_id": 2,
+            "amount": "10.00",
+            "remark": "测试转移积分"
+        });
+        
+        let res = client.post(&url)
+            .json(&body)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("转移积分结果: {} - {:?}", res.status(), res.text().await);
+    }
+
+    /// 测试获取积分交易列表
+    /// GET /api/v1/points/transactions
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_list_points_transactions() {
+        let client = create_client();
+        let url = format!("{}/api/v1/points/transactions?page=1&page_size=10", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        println!("获取积分交易列表结果: {} - {:?}", res.status(), res.text().await);
+    }
+}
+
+// ==================== 健康检查测试 ====================
+
+#[cfg(test)]
+mod health_tests {
+    use super::test_helpers::*;
+
+    /// 测试健康检查端点
+    /// GET /health
+    #[tokio::test]
+    #[ignore = "需要运行后端服务"]
+    async fn test_health_check() {
+        let client = create_client();
+        let url = format!("{}/health", BASE_URL);
+        
+        let res = client.get(&url)
+            .send()
+            .await
+            .expect("请求失败");
+            
+        assert!(res.status().is_success(), "健康检查失败");
+        println!("✅ 健康检查通过");
+    }
+}
+