diff --git a/backend/internal/modules/systemconfig/dto.go b/backend/internal/modules/systemconfig/dto.go
index 4211b3f..4980fde 100644
--- a/backend/internal/modules/systemconfig/dto.go
+++ b/backend/internal/modules/systemconfig/dto.go
@@ -73,13 +73,48 @@ type AgreementContentDTO struct {
 	Content string `json:"content"`
 }
 
+// HomeBannerItem 首页轮播项：文案 + PC/移动两端视觉配置（图片、整图点击、热区）。
 type HomeBannerItem struct {
-	Eyebrow  string `json:"eyebrow"`
-	Title    string `json:"title"`
-	Badge    string `json:"badge"`
-	Pill     string `json:"pill"`
-	Tone     string `json:"tone"`
+	Eyebrow string `json:"eyebrow"`
+	Title   string `json:"title"`
+	Badge   string `json:"badge"`
+	Pill    string `json:"pill"`
+	Tone    string `json:"tone"`
+	Enabled *bool  `json:"enabled,omitempty"`
+	// ImageURL 早期扁平结构的图片字段，仅用于兼容读取：归一化时并入 PC/移动两端。
+	ImageURL string           `json:"image_url,omitempty"`
+	PC       HomeBannerVisual `json:"pc"`
+	Mobile   HomeBannerVisual `json:"mobile"`
+}
+
+// HomeBannerVisual 单端展示配置：图片 + 整图点击行为 + 热区。
+type HomeBannerVisual struct {
+	ImageURL string              `json:"image_url,omitempty"`
+	Alt      string              `json:"alt,omitempty"`
+	Action   HomeBannerAction    `json:"action"`
+	Hotspots []HomeBannerHotspot `json:"hotspots,omitempty"`
+}
+
+// HomeBannerAction 点击行为：none（不跳转）/ route（站内路径）/ link（外部链接）/ preview（查看大图）。
+type HomeBannerAction struct {
+	Type       string `json:"type"`
+	Target     string `json:"target"`
+	OpenNewTab bool   `json:"open_new_tab"`
+}
+
+// HomeBannerHotspot 热区：相对图片的百分比坐标（0-100），与出图分辨率解耦。
+type HomeBannerHotspot struct {
+	ID     string  `json:"id"`
+	Label  string  `json:"label"`
+	X      float64 `json:"x"`
+	Y      float64 `json:"y"`
+	Width  float64 `json:"width"`
+	Height float64 `json:"height"`
+	// ImageURL 热区按钮图（透明 PNG），留空则前台用半透明高亮框提示可点击。
 	ImageURL string `json:"image_url,omitempty"`
+	// HoverScale 悬浮放大倍数：1 表示不放大，建议 1.04-1.08。
+	HoverScale float64          `json:"hover_scale,omitempty"`
+	Action     HomeBannerAction `json:"action"`
 }
 
 type PublishOptionsDTO struct {
diff --git a/backend/internal/modules/systemconfig/home_banners_test.go b/backend/internal/modules/systemconfig/home_banners_test.go
new file mode 100644
index 0000000..7b15598
--- /dev/null
+++ b/backend/internal/modules/systemconfig/home_banners_test.go
@@ -0,0 +1,122 @@
+package systemconfig
+
+import "testing"
+
+func TestNormalizeHomeBannersMigratesLegacyImageURL(t *testing.T) {
+	items := normalizeHomeBanners([]HomeBannerItem{
+		{Title: "旧结构", ImageURL: "  https://cdn.example/legacy.png  "},
+	})
+	if len(items) != 1 {
+		t.Fatalf("期望保留 1 条轮播，实际 %d", len(items))
+	}
+	if items[0].PC.ImageURL != "https://cdn.example/legacy.png" {
+		t.Fatalf("旧图未迁移到 PC 端：%q", items[0].PC.ImageURL)
+	}
+	if items[0].Mobile.ImageURL != "https://cdn.example/legacy.png" {
+		t.Fatalf("旧图未迁移到移动端：%q", items[0].Mobile.ImageURL)
+	}
+	if items[0].ImageURL != "" {
+		t.Fatalf("旧字段应被清空，实际 %q", items[0].ImageURL)
+	}
+}
+
+func TestNormalizeHomeBannersKeepsPerPlatformVisual(t *testing.T) {
+	items := normalizeHomeBanners([]HomeBannerItem{{
+		Title:  "两端分图",
+		PC:     HomeBannerVisual{ImageURL: " https://cdn.example/pc.png "},
+		Mobile: HomeBannerVisual{ImageURL: " https://cdn.example/mobile.png "},
+	}})
+	if items[0].PC.ImageURL != "https://cdn.example/pc.png" {
+		t.Fatalf("PC 图被改动：%q", items[0].PC.ImageURL)
+	}
+	if items[0].Mobile.ImageURL != "https://cdn.example/mobile.png" {
+		t.Fatalf("移动端图被改动：%q", items[0].Mobile.ImageURL)
+	}
+}
+
+func TestNormalizeHomeBannersClampsHotspots(t *testing.T) {
+	items := normalizeHomeBanners([]HomeBannerItem{{
+		Title: "热区",
+		PC: HomeBannerVisual{Hotspots: []HomeBannerHotspot{
+			{ID: " h1 ", X: 90, Y: 95, Width: 20, Height: 20, Action: HomeBannerAction{Type: "route", Target: " /listings "}},
+			{ID: "zero", Width: 0, Height: 10, Action: HomeBannerAction{Type: "route", Target: "/x"}},
+		}},
+	}})
+	hotspots := items[0].PC.Hotspots
+	if len(hotspots) != 1 {
+		t.Fatalf("宽高为 0 的热区应被丢弃，剩余 %d 个", len(hotspots))
+	}
+	if hotspots[0].ID != "h1" || hotspots[0].X != 80 || hotspots[0].Y != 80 {
+		t.Fatalf("热区未收敛到合法范围：%+v", hotspots[0])
+	}
+	if hotspots[0].Action.Type != "route" || hotspots[0].Action.Target != "/listings" {
+		t.Fatalf("热区跳转未归一化：%+v", hotspots[0].Action)
+	}
+}
+
+func TestNormalizeHomeBannersHotspotImageAndHoverScale(t *testing.T) {
+	items := normalizeHomeBanners([]HomeBannerItem{{
+		Title: "热区按钮图",
+		PC: HomeBannerVisual{Hotspots: []HomeBannerHotspot{
+			{ID: "a", Width: 10, Height: 10, ImageURL: "  https://cdn.example/btn.png  "},
+			{ID: "b", Width: 10, Height: 10, HoverScale: 9},
+			{ID: "c", Width: 10, Height: 10, HoverScale: 0.5},
+		}},
+	}})
+	hotspots := items[0].PC.Hotspots
+	if hotspots[0].ImageURL != "https://cdn.example/btn.png" {
+		t.Fatalf("热区按钮图未清理空白：%q", hotspots[0].ImageURL)
+	}
+	if hotspots[0].HoverScale != defaultBannerHotspotHoverScale {
+		t.Fatalf("未配置悬浮倍数应回落默认值，实际 %v", hotspots[0].HoverScale)
+	}
+	if hotspots[1].HoverScale != maxBannerHotspotHoverScale {
+		t.Fatalf("超上限的悬浮倍数应被收敛，实际 %v", hotspots[1].HoverScale)
+	}
+	if hotspots[2].HoverScale != 1 {
+		t.Fatalf("小于 1 的悬浮倍数应收敛为 1，实际 %v", hotspots[2].HoverScale)
+	}
+}
+
+func TestNormalizeBannerActionFallsBackToNone(t *testing.T) {
+	cases := []struct {
+		name   string
+		input  HomeBannerAction
+		expect HomeBannerAction
+	}{
+		{
+			name:   "缺失目标的站内跳转退化为不跳转",
+			input:  HomeBannerAction{Type: "route", Target: "  "},
+			expect: HomeBannerAction{Type: "none"},
+		},
+		{
+			name:   "未知类型退化为不跳转",
+			input:  HomeBannerAction{Type: "unknown", Target: "/x"},
+			expect: HomeBannerAction{Type: "none"},
+		},
+		{
+			name:   "查看大图不保留目标与新窗口",
+			input:  HomeBannerAction{Type: "preview", Target: "/x", OpenNewTab: true},
+			expect: HomeBannerAction{Type: "preview"},
+		},
+		{
+			name:   "外链保留新窗口标记",
+			input:  HomeBannerAction{Type: "link", Target: " https://cdn.example/a ", OpenNewTab: true},
+			expect: HomeBannerAction{Type: "link", Target: "https://cdn.example/a", OpenNewTab: true},
+		},
+	}
+	for _, testCase := range cases {
+		t.Run(testCase.name, func(t *testing.T) {
+			if got := normalizeBannerAction(testCase.input); got != testCase.expect {
+				t.Fatalf("期望 %+v，实际 %+v", testCase.expect, got)
+			}
+		})
+	}
+}
+
+func TestNormalizeHomeBannersFallsBackToDefaults(t *testing.T) {
+	items := normalizeHomeBanners([]HomeBannerItem{{Title: "  "}})
+	if len(items) != len(defaultHomeBanners()) {
+		t.Fatalf("全部无效时应回落默认轮播，实际 %d 条", len(items))
+	}
+}
diff --git a/backend/internal/modules/systemconfig/normalize.go b/backend/internal/modules/systemconfig/normalize.go
index ccb914e..6dd3a3f 100644
--- a/backend/internal/modules/systemconfig/normalize.go
+++ b/backend/internal/modules/systemconfig/normalize.go
@@ -1,9 +1,14 @@
 package systemconfig
 
 import (
+	"math"
 	"strings"
 )
 
+// 热区悬浮放大倍数：与前端 BANNER_HOTSPOT_DEFAULT_HOVER_SCALE 保持一致。
+const defaultBannerHotspotHoverScale = 1.06
+const maxBannerHotspotHoverScale = 1.5
+
 func normalizeAnnouncements(items []string) []string {
 	normalized := make([]string, 0, len(items))
 	for _, item := range items {
@@ -26,11 +31,15 @@ func normalizeHomeBanners(items []HomeBannerItem) []HomeBannerItem {
 		item.Badge = strings.TrimSpace(item.Badge)
 		item.Pill = strings.TrimSpace(item.Pill)
 		item.Tone = strings.TrimSpace(item.Tone)
-		item.ImageURL = strings.TrimSpace(item.ImageURL)
-		if item.Title == "" && item.ImageURL == "" {
+		// 旧结构只有一张图，两端共用，避免历史配置升级后丢图
+		legacyImageURL := strings.TrimSpace(item.ImageURL)
+		item.ImageURL = ""
+		item.PC = normalizeBannerVisual(item.PC, legacyImageURL)
+		item.Mobile = normalizeBannerVisual(item.Mobile, legacyImageURL)
+		if item.Title == "" && item.PC.ImageURL == "" && item.Mobile.ImageURL == "" {
 			continue
 		}
-		if item.Tone != "green" && item.Tone != "orange" {
+		if item.Tone != "green" && item.Tone != "orange" && item.Tone != "gold" {
 			item.Tone = "blue"
 		}
 		normalized = append(normalized, item)
@@ -41,6 +50,88 @@ func normalizeHomeBanners(items []HomeBannerItem) []HomeBannerItem {
 	return normalized
 }
 
+func normalizeBannerVisual(visual HomeBannerVisual, legacyImageURL string) HomeBannerVisual {
+	visual.ImageURL = strings.TrimSpace(visual.ImageURL)
+	if visual.ImageURL == "" {
+		visual.ImageURL = legacyImageURL
+	}
+	visual.Alt = strings.TrimSpace(visual.Alt)
+	visual.Action = normalizeBannerAction(visual.Action)
+	hotspots := make([]HomeBannerHotspot, 0, len(visual.Hotspots))
+	for _, hotspot := range visual.Hotspots {
+		item, ok := normalizeBannerHotspot(hotspot)
+		if !ok {
+			continue
+		}
+		hotspots = append(hotspots, item)
+	}
+	visual.Hotspots = hotspots
+	return visual
+}
+
+// normalizeBannerHotspot 收敛热区坐标：宽高为 0 的热区无意义直接丢弃，其余保证不越界。
+func normalizeBannerHotspot(hotspot HomeBannerHotspot) (HomeBannerHotspot, bool) {
+	width := clampBannerPercent(hotspot.Width, 100)
+	height := clampBannerPercent(hotspot.Height, 100)
+	if width <= 0 || height <= 0 {
+		return HomeBannerHotspot{}, false
+	}
+	hotspot.ID = strings.TrimSpace(hotspot.ID)
+	hotspot.Label = strings.TrimSpace(hotspot.Label)
+	hotspot.ImageURL = strings.TrimSpace(hotspot.ImageURL)
+	hotspot.HoverScale = normalizeHotspotHoverScale(hotspot.HoverScale)
+	hotspot.Width = width
+	hotspot.Height = height
+	hotspot.X = clampBannerPercent(hotspot.X, 100-width)
+	hotspot.Y = clampBannerPercent(hotspot.Y, 100-height)
+	hotspot.Action = normalizeBannerAction(hotspot.Action)
+	return hotspot, true
+}
+
+// normalizeHotspotHoverScale 悬浮放大倍数：缺失/非法回落默认值，上限 1.5 防止热区盖住整张图。
+func normalizeHotspotHoverScale(value float64) float64 {
+	if value <= 0 {
+		return defaultBannerHotspotHoverScale
+	}
+	if value > maxBannerHotspotHoverScale {
+		value = maxBannerHotspotHoverScale
+	} else if value < 1 {
+		value = 1
+	}
+	return math.Round(value*100) / 100
+}
+
+// normalizeBannerAction 目标缺失的跳转会变成「点了没反应」的死热区，统一退化为 none。
+func normalizeBannerAction(action HomeBannerAction) HomeBannerAction {
+	action.Type = strings.TrimSpace(action.Type)
+	action.Target = strings.TrimSpace(action.Target)
+	switch action.Type {
+	case "route", "link":
+		if action.Target == "" {
+			return HomeBannerAction{Type: "none"}
+		}
+	case "preview":
+		action.Target = ""
+		action.OpenNewTab = false
+	case "none":
+		action.Target = ""
+		action.OpenNewTab = false
+	default:
+		return HomeBannerAction{Type: "none"}
+	}
+	return action
+}
+
+func clampBannerPercent(value float64, max float64) float64 {
+	if value < 0 {
+		value = 0
+	}
+	if value > max {
+		value = max
+	}
+	return math.Round(value*100) / 100
+}
+
 func normalizeOrderAgreements(agreements *OrderAgreementsDTO) {
 	defaults := DefaultOrderAgreements()
 	agreements.VirtualAssetPurchase.Title = strings.TrimSpace(agreements.VirtualAssetPurchase.Title)
diff --git a/docs/首页轮播图配置说明.md b/docs/首页轮播图配置说明.md
new file mode 100644
index 0000000..1e8f4df
--- /dev/null
+++ b/docs/首页轮播图配置说明.md
@@ -0,0 +1,115 @@
+# 首页轮播图配置说明
+
+> 适用范围：PC 首页 Hero 轮播（`HomeBanner.vue`）、移动端首页 Banner 轮播（`MobileHomeView.vue`）、后台「首页轮播图」弹窗（`HomeBannersDialog.vue`）。
+> 配置存储位置：系统配置表 `mobile.home_banners`（JSON 字符串），前台接口 `GET /api/mobile-home-config`。
+
+## 一、出图规范（两端容器严格等比，按规范出图不裁切）
+
+| 端 | 展示容器比例 | 建议出图尺寸 | 说明 |
+| --- | --- | --- | --- |
+| PC | 4:1 | **1600×400** | Hero 卡片宽度自适应，高度由 `aspect-ratio: 1600 / 400` 推导 |
+| 移动端 | 2:1 | **750×375**（或 720×360） | 只要有一条配图，整条轮播统一按 `aspect-ratio: 2 / 1` 展示 |
+
+两端使用**不同的图片字段**，必须分别出图：
+
+- PC 端只用 `pc.image_url`；
+- 移动端只用 `mobile.image_url`；
+- 若该端未配图，会退回文字卡片（眉标 + 主标题 + 胶囊文案），不会用另一端的图硬撑（避免严重裁切）。
+
+历史数据兼容：早期只有扁平 `image_url` 的轮播，读取时会自动并入 `pc.image_url` 与 `mobile.image_url`，不会丢图。
+
+## 二、数据结构
+
+```json
+[
+  {
+    "eyebrow": "三角洲行动账号专区",
+    "title": "高哈夫币 · 安全交接 · 随租随玩",
+    "badge": "HOT",
+    "pill": "新人领券最高减 20 元",
+    "tone": "blue",
+    "enabled": true,
+    "pc": {
+      "image_url": "https://cdn.example/banner-pc.jpg",
+      "alt": "首页活动横幅",
+      "action": { "type": "route", "target": "/listings", "open_new_tab": false },
+      "hotspots": [
+        {
+          "id": "hotspot-1",
+          "label": "租币教程",
+          "x": 6,
+          "y": 20,
+          "width": 20,
+          "height": 24,
+          "action": { "type": "route", "target": "/m/add-home-guide", "open_new_tab": false }
+        }
+      ]
+    },
+    "mobile": { "image_url": "...", "action": {}, "hotspots": [] }
+  }
+]
+```
+
+字段说明：
+
+- `enabled`：`false` 时前台不展示该条轮播（后台仍保留配置）。
+- `pc` / `mobile`：两端独立配置，结构相同（图片、整图点击行为、热区）。
+- `action.type`：`none` 不跳转 / `route` 站内路径 / `link` 外部链接 / `preview` 查看大图。
+- `action.open_new_tab`：仅 `route`、`link` 有意义。
+- `hotspots[].x/y/width/height`：**相对图片的百分比（0-100）**，与出图分辨率解耦，改分辨率不会跑位。
+- `hotspots[].image_url`：热区按钮图（透明 PNG）。配了图就渲染成海报上的「胶囊按钮」，留空则用半透明高亮框提示可点击。
+- `hotspots[].hover_scale`：鼠标悬浮时按钮图的放大倍数，默认 `1.06`，范围 `1-1.5`（`1` = 不放大）。
+
+## 三、热区按钮图导出踩坑（重要）
+
+热区按钮图**必须是带 alpha 透明通道的 PNG**，否则整个矩形会盖住海报。最常见的坑：
+
+- 把设计工具/Figma/PS 里显示「透明区域」的**灰白棋盘格预览截图或另存**，棋盘格就成了真实像素，前台会照实显示成一块格子；
+- 从 AI 出图工具导出时选了不透明背景（或导出成 JPG），透明区域变成白底；
+- 直接把整张海报（含按钮）当热区图用，等于又盖了一层。
+
+自查方法：
+
+1. 把 PNG 拖到纯深色背景的窗口里看，如果还能看到灰白格子，就是图里带的；
+2. macOS 可用 `sips -g hasAlpha 图片.png` 检查是否真有 alpha 通道（`hasAlpha: yes` 才算透明图）。
+
+后台已经加了兜底提示：上传「热区按钮图」时会做一次像素体检，若**没有任何透明像素**会立刻提示（「只有白/浅灰底色」还会明确点出疑似棋盘格）；上传海报底图时也会提示疑似棋盘格的情况。提示只是提醒，不会阻止保存。
+
+修复办法：回到设计源文件，隐藏背景后重新导出为 PNG（不要截图预览图）；若只有一张带底纹的图，可在 PS 里用「色彩范围」选中浅灰网格后删除再导出。
+
+> 已修复的历史坑：后台上传前会做一次「压缩优化」，旧实现先给 canvas 铺白底再编码，会把透明区域压成白底方块（透明按钮图上传后变白色矩形）。现在改为：检测到原图带透明像素时**不铺白底**并输出 `image/png`（无损保留 alpha），不透明图仍走 WebP 压缩。代码：`frontend/src/shared/utils/imageUpload.ts`。修复前上传过的图需要重新上传。
+
+## 四、点击行为与悬浮反馈
+
+1. 命中热区（且热区配置了真实跳转）→ 执行该热区的跳转；
+2. 未命中热区 → 执行该端「整图点击」行为（`none` 时不跳转）；
+3. 完全没有配置跳转（整图 `none` 且无有效热区）→ 保留原有「点击查看大图」能力。
+
+`preview` 类型会打开大图预览：PC 用 Element Plus `el-image-viewer`，移动端用内置 lightbox（2:1 框 + `object-fit: contain`，整图完整可见）。
+
+悬浮反馈分两种：
+
+- 热区配了 `image_url`：渲染透明 PNG 按钮图，鼠标悬浮时按 `hover_scale` 轻微放大（`transform: scale()` + `0.2s` 过渡）并加投影，按下时轻微回缩；
+- 热区没配图：悬浮显示半透明高亮框，提示「这里可点」。
+
+这正是海报型轮播的常见做法：把海报上的按钮单独切透明 PNG 叠在底图上，既能点击跳转，又有「按钮浮起来」的手感。运营操作要点：
+
+1. 底图（PC 1600×400 / 移动 750×375）里**不要**烘焙按钮，按钮留空；
+2. 把按钮单独导出为透明 PNG（尺寸与海报上的位置匹配）；
+3. 后台在同一端的预览图上拖框对齐，再填该按钮的跳转。
+
+## 五、后台怎么配
+
+后台 → 系统配置 → `mobile.home_banners` → 「编辑首页轮播图」：
+
+1. 每条轮播是一张卡片，可启用/停用、上移/下移、删除；卡片内先填文案（眉标/主标题/角标/胶囊/色调），无图时按文字卡片展示。
+2. 切到「PC 端 1600×400（4:1）」或「移动端 750×375（2:1）」页签，上传/填写该端图片，并配置「整图点击」行为。
+3. 在预览图上**单击**新增热区 → **拖动**移动 → 拖右下角小方块缩放；下方可为选中热区设置名称、精确坐标、跳转，以及**热区按钮图**与**悬浮放大倍数**（后台预览图会把按钮图半透明铺在框内，所见即所得）。
+4. 保存时写入 `mobile.home_banners`，后台会顺带把旧的扁平 `image_url` 结构升级为 `pc` / `mobile` 结构。
+
+## 六、校验与兜底
+
+- 前后端都会归一化配置：坐标收敛到 `0-100` 且不越界，宽高为 0 的热区直接丢弃；`route` / `link` 缺少目标时退化为 `none`（避免「点了没反应」的死热区）。
+- 后端归一化实现：`backend/internal/modules/systemconfig/normalize.go`（`normalizeHomeBanners`）。
+- 前端归一化实现：`frontend/src/features/listings/api/homeConfig.ts`（`normalizeHomeBanner`）。
+- 相关测试：`frontend/src/features/listings/api/homeConfig.spec.ts`、`backend/internal/modules/systemconfig/home_banners_test.go`。
diff --git a/frontend/src/features/admin/components/BannerActionEditor.vue b/frontend/src/features/admin/components/BannerActionEditor.vue
new file mode 100644
index 0000000..20c0313
--- /dev/null
+++ b/frontend/src/features/admin/components/BannerActionEditor.vue
@@ -0,0 +1,80 @@
+<script setup lang="ts">
+import { computed } from 'vue'
+import {
+  bannerActionHints,
+  bannerActionOptions,
+  type BannerAction,
+  type BannerActionType,
+} from '@/features/listings/api/homeConfig'
+
+const props = defineProps<{
+  modelValue: BannerAction
+}>()
+
+const emit = defineEmits<{
+  'update:modelValue': [value: BannerAction]
+}>()
+
+const action = computed(() => props.modelValue)
+const needTarget = computed(() => action.value.type === 'route' || action.value.type === 'link')
+
+function patch(partial: Partial<BannerAction>) {
+  emit('update:modelValue', { ...props.modelValue, ...partial })
+}
+</script>
+
+<template>
+  <div class="banner-action-editor">
+    <el-form-item label="跳转类型">
+      <el-select
+        :model-value="action.type"
+        class="action-type"
+        @update:model-value="(value: BannerActionType) => patch({ type: value })"
+      >
+        <el-option
+          v-for="item in bannerActionOptions"
+          :key="item.value"
+          :label="item.label"
+          :value="item.value"
+        />
+      </el-select>
+      <span class="action-hint">{{ bannerActionHints[action.type] }}</span>
+    </el-form-item>
+
+    <el-form-item v-if="needTarget" label="跳转目标">
+      <el-input
+        :model-value="action.target"
+        :placeholder="action.type === 'link' ? 'https://example.com/act' : '/m/announcements'"
+        @update:model-value="(value: string) => patch({ target: value })"
+      />
+    </el-form-item>
+
+    <el-form-item v-if="needTarget" label="打开方式">
+      <el-switch
+        :model-value="action.open_new_tab"
+        active-text="新窗口"
+        inactive-text="当前页"
+        inline-prompt
+        @update:model-value="
+          (value: string | number | boolean) => patch({ open_new_tab: Boolean(value) })
+        "
+      />
+    </el-form-item>
+  </div>
+</template>
+
+<style scoped>
+.banner-action-editor {
+  width: 100%;
+}
+
+.action-type {
+  width: 140px;
+}
+
+.action-hint {
+  margin-left: 12px;
+  color: #94a3b8;
+  font-size: 12px;
+}
+</style>
diff --git a/frontend/src/features/admin/components/BannerVisualEditor.vue b/frontend/src/features/admin/components/BannerVisualEditor.vue
new file mode 100644
index 0000000..3429645
--- /dev/null
+++ b/frontend/src/features/admin/components/BannerVisualEditor.vue
@@ -0,0 +1,689 @@
+<script setup lang="ts">
+import { computed, onBeforeUnmount, ref } from 'vue'
+import { ElMessage } from 'element-plus'
+import {
+  createBannerHotspot,
+  hasBannerImage,
+  type BannerHotspot,
+  type BannerVisual,
+} from '@/features/listings/api/homeConfig'
+import { uploadAdminFile } from '@/shared/api/files'
+import { readError } from '@/shared/utils/error'
+import { probeImageTransparency } from '@/shared/utils/imageTransparency'
+import BannerActionEditor from './BannerActionEditor.vue'
+
+const props = defineProps<{
+  modelValue: BannerVisual
+  ratio: { width: number; height: number }
+  label: string
+  standard: string
+}>()
+
+const emit = defineEmits<{
+  'update:modelValue': [value: BannerVisual]
+}>()
+
+type DragMode = 'move' | 'resize'
+
+interface DragState {
+  id: string
+  mode: DragMode
+  clientX: number
+  clientY: number
+  origin: BannerHotspot
+}
+
+const uploading = ref(false)
+const uploadingHotspot = ref(false)
+const bannerImageWarning = ref('')
+const hotspotImageWarning = ref('')
+const selectedId = ref('')
+const canvasRef = ref<HTMLElement | null>(null)
+const dragState = ref<DragState | null>(null)
+/** 拖拽结束会紧跟一次 click，用它避免「拖完又新增一个热区」。 */
+let dragging = false
+
+const visual = computed(() => props.modelValue)
+const canvasStyle = computed(() => ({
+  aspectRatio: `${props.ratio.width} / ${props.ratio.height}`,
+}))
+const selectedHotspot = computed(
+  () => visual.value.hotspots.find(item => item.id === selectedId.value) ?? null
+)
+
+function update(patch: Partial<BannerVisual>) {
+  emit('update:modelValue', { ...props.modelValue, ...patch })
+}
+
+function updateHotspot(id: string, patch: Partial<BannerHotspot>) {
+  update({
+    hotspots: visual.value.hotspots.map(item => (item.id === id ? { ...item, ...patch } : item)),
+  })
+}
+
+function clamp(value: number, min: number, max: number) {
+  return Math.round(Math.min(Math.max(value, min), Math.max(max, min)) * 100) / 100
+}
+
+async function handleUpload(event: Event) {
+  const input = event.target as HTMLInputElement
+  const file = input.files?.[0]
+  input.value = ''
+  if (!file) return
+  uploading.value = true
+  try {
+    const uploaded = await uploadAdminFile(file, 'home-banner')
+    update({ image_url: uploaded.url })
+    ElMessage.success('图片已上传')
+    await warnAboutBannerImage(file)
+  } catch (error) {
+    ElMessage.error(readError(error, '图片上传失败'))
+  } finally {
+    uploading.value = false
+  }
+}
+
+/** 底图应当被子元素盖住的部分自己处理好；这里只提示「棋盘格/纯色底被烘焙进来」的情况。 */
+async function warnAboutBannerImage(file: File) {
+  bannerImageWarning.value = ''
+  const probe = await probeImageTransparency(file)
+  if (!probe?.suspectedBakedBackdrop) return
+  bannerImageWarning.value =
+    '这张图几乎只有白/浅灰两种颜色且没有透明区域，很像把「透明棋盘格」一起导出了，前台会照实显示。'
+  ElMessage.warning('图片疑似带棋盘格底纹，请检查后重新导出')
+}
+
+function clearImage() {
+  update({ image_url: '' })
+  bannerImageWarning.value = ''
+  selectedId.value = ''
+}
+
+/** 热区按钮图：运营把海报上的按钮单独切透明 PNG 传进来，悬浮时会轻微放大。 */
+async function handleHotspotUpload(event: Event) {
+  const input = event.target as HTMLInputElement
+  const file = input.files?.[0]
+  input.value = ''
+  const target = selectedHotspot.value
+  if (!file || !target) return
+  uploadingHotspot.value = true
+  try {
+    const uploaded = await uploadAdminFile(file, 'home-banner')
+    patchSelected({ image_url: uploaded.url })
+    ElMessage.success('热区图片已上传')
+    await warnAboutHotspotImage(file)
+  } catch (error) {
+    ElMessage.error(readError(error, '热区图片上传失败'))
+  } finally {
+    uploadingHotspot.value = false
+  }
+}
+
+/** 热区按钮图必须是带透明通道的 PNG，否则会整块盖住海报（常见坑：把带棋盘格的预览图另存）。 */
+async function warnAboutHotspotImage(file: File) {
+  hotspotImageWarning.value = ''
+  const probe = await probeImageTransparency(file)
+  if (!probe || probe.hasTransparentPixels) return
+  hotspotImageWarning.value = probe.suspectedBakedBackdrop
+    ? '这张图没有透明区域，且只有白/浅灰底色：很可能是把「透明棋盘格」一起导出了，前台会原样显示这块格子。请重新导出带透明通道的 PNG。'
+    : '这张图没有透明区域，会整块盖住海报背景；透明按钮图请用带 alpha 通道的 PNG。'
+  ElMessage.warning('热区图片不带透明区域，请确认导出方式')
+}
+
+/** 在图片空白处单击：以点击位置为中心新增一个默认尺寸热区。 */
+function addHotspotAt(event: MouseEvent) {
+  const canvas = canvasRef.value
+  if (!canvas || dragging) return
+  const rect = canvas.getBoundingClientRect()
+  if (!rect.width || !rect.height) return
+  const width = 24
+  const height = 24
+  const x = ((event.clientX - rect.left) / rect.width) * 100
+  const y = ((event.clientY - rect.top) / rect.height) * 100
+  const hotspot = createBannerHotspot({
+    x: clamp(x - width / 2, 0, 100 - width),
+    y: clamp(y - height / 2, 0, 100 - height),
+    width,
+    height,
+  })
+  update({ hotspots: [...visual.value.hotspots, hotspot] })
+  selectedId.value = hotspot.id
+}
+
+function hotspotStyle(hotspot: BannerHotspot) {
+  return {
+    left: `${hotspot.x}%`,
+    top: `${hotspot.y}%`,
+    width: `${hotspot.width}%`,
+    height: `${hotspot.height}%`,
+  }
+}
+
+function startDrag(event: MouseEvent, hotspot: BannerHotspot, mode: DragMode) {
+  event.preventDefault()
+  selectedId.value = hotspot.id
+  dragState.value = {
+    id: hotspot.id,
+    mode,
+    clientX: event.clientX,
+    clientY: event.clientY,
+    origin: { ...hotspot },
+  }
+  window.addEventListener('mousemove', handleDragMove)
+  window.addEventListener('mouseup', stopDrag)
+}
+
+function handleDragMove(event: MouseEvent) {
+  const state = dragState.value
+  const canvas = canvasRef.value
+  if (!state || !canvas) return
+  const rect = canvas.getBoundingClientRect()
+  if (!rect.width || !rect.height) return
+  const deltaX = ((event.clientX - state.clientX) / rect.width) * 100
+  const deltaY = ((event.clientY - state.clientY) / rect.height) * 100
+  const target = visual.value.hotspots.find(item => item.id === state.id)
+  if (!target) return
+  if (state.mode === 'move') {
+    updateHotspot(state.id, {
+      x: clamp(state.origin.x + deltaX, 0, 100 - target.width),
+      y: clamp(state.origin.y + deltaY, 0, 100 - target.height),
+    })
+    return
+  }
+  updateHotspot(state.id, {
+    width: clamp(state.origin.width + deltaX, 4, 100 - target.x),
+    height: clamp(state.origin.height + deltaY, 4, 100 - target.y),
+  })
+}
+
+function stopDrag() {
+  if (!dragState.value) return
+  dragging = true
+  window.removeEventListener('mousemove', handleDragMove)
+  window.removeEventListener('mouseup', stopDrag)
+  dragState.value = null
+  window.setTimeout(() => {
+    dragging = false
+  }, 0)
+}
+
+function selectHotspot(hotspot: BannerHotspot) {
+  selectedId.value = hotspot.id
+  hotspotImageWarning.value = ''
+}
+
+/** 手动改 URL 时清空上一次的图片体检提示，避免误导。 */
+function setBannerImageUrl(value: string) {
+  bannerImageWarning.value = ''
+  update({ image_url: value })
+}
+
+function setHotspotImageUrl(value: string) {
+  hotspotImageWarning.value = ''
+  patchSelected({ image_url: value })
+}
+
+function clearHotspotImage() {
+  hotspotImageWarning.value = ''
+  patchSelected({ image_url: '' })
+}
+
+/** 模板里统一走「当前选中热区」，避免在模板中写非空断言。 */
+function patchSelected(patch: Partial<BannerHotspot>) {
+  const target = selectedHotspot.value
+  if (!target) return
+  updateHotspot(target.id, patch)
+}
+
+function removeSelectedHotspot() {
+  const target = selectedHotspot.value
+  if (!target) return
+  removeHotspot(target.id)
+}
+
+function removeHotspot(id: string) {
+  update({ hotspots: visual.value.hotspots.filter(item => item.id !== id) })
+  if (selectedId.value === id) selectedId.value = ''
+}
+
+function clearHotspots() {
+  update({ hotspots: [] })
+  selectedId.value = ''
+}
+
+onBeforeUnmount(() => {
+  window.removeEventListener('mousemove', handleDragMove)
+  window.removeEventListener('mouseup', stopDrag)
+})
+</script>
+
+<template>
+  <div class="visual-editor">
+    <div class="visual-head">
+      <strong>{{ label }}</strong>
+      <span class="visual-standard">建议出图 {{ standard }}</span>
+    </div>
+
+    <div class="visual-image-row">
+      <el-input
+        :model-value="visual.image_url"
+        placeholder="图片 URL，留空则该端退回文字卡片"
+        @update:model-value="setBannerImageUrl"
+      />
+      <label class="upload-trigger">
+        <input type="file" accept="image/jpeg,image/png,image/webp" @change="handleUpload" />
+        {{ uploading ? '上传中' : '上传图片' }}
+      </label>
+      <el-button size="small" :disabled="!visual.image_url" @click="clearImage">清除图片</el-button>
+    </div>
+    <p v-if="bannerImageWarning" class="image-warning">{{ bannerImageWarning }}</p>
+
+    <div ref="canvasRef" class="visual-canvas" :style="canvasStyle" @click="addHotspotAt">
+      <img v-if="hasBannerImage(visual)" :src="visual.image_url" alt="" />
+      <div v-else class="visual-empty">先上传图片，再在图上单击新增热区</div>
+      <div
+        v-for="(hotspot, index) in visual.hotspots"
+        :key="hotspot.id"
+        class="hotspot-box"
+        :class="{ active: hotspot.id === selectedId }"
+        :style="hotspotStyle(hotspot)"
+        @click.stop="selectHotspot(hotspot)"
+        @mousedown.stop="startDrag($event, hotspot, 'move')"
+      >
+        <img
+          v-if="hotspot.image_url"
+          class="hotspot-box-image"
+          :src="hotspot.image_url"
+          alt=""
+          draggable="false"
+        />
+        <span class="hotspot-index">{{ index + 1 }}</span>
+        <span class="hotspot-name">{{ hotspot.label || '未命名热区' }}</span>
+        <i class="hotspot-resize" @mousedown.stop="startDrag($event, hotspot, 'resize')" />
+      </div>
+    </div>
+    <p class="visual-tip">
+      在预览图上单击可新增热区，按住拖动可移动，拖右下角小方块可缩放；两端坐标按百分比保存，换分辨率也不跑位。
+      热区按钮图必须是<b>带透明通道的 PNG</b
+      >：如果图里能看到灰白格子，说明导出时把「透明棋盘格」也存成了像素，前台会原样显示。
+    </p>
+
+    <el-form label-width="86px" class="visual-form">
+      <BannerActionEditor
+        :model-value="visual.action"
+        @update:model-value="value => update({ action: value })"
+      />
+      <el-form-item label="整图说明">
+        <el-input
+          :model-value="visual.alt"
+          placeholder="无障碍描述（可选，如「首页活动横幅」）"
+          @update:model-value="(value: string) => update({ alt: value })"
+        />
+      </el-form-item>
+    </el-form>
+
+    <div class="hotspot-section">
+      <div class="hotspot-section-head">
+        <strong>热区（{{ visual.hotspots.length }}）</strong>
+        <el-button size="small" :disabled="!visual.hotspots.length" @click="clearHotspots">
+          清空热区
+        </el-button>
+      </div>
+      <p v-if="!visual.hotspots.length" class="visual-tip">
+        未配置热区时，整张图按上面的「整图点击」行为响应。
+      </p>
+      <template v-else>
+        <div class="hotspot-chips">
+          <button
+            v-for="(hotspot, index) in visual.hotspots"
+            :key="hotspot.id"
+            type="button"
+            class="hotspot-chip"
+            :class="{ active: hotspot.id === selectedId }"
+            @click="selectHotspot(hotspot)"
+          >
+            {{ index + 1 }}. {{ hotspot.label || '未命名热区' }}
+          </button>
+        </div>
+
+        <el-form v-if="selectedHotspot" label-width="86px" class="hotspot-form" @submit.prevent>
+          <el-form-item label="热区名称">
+            <el-input
+              :model-value="selectedHotspot.label"
+              placeholder="如 租币教程"
+              @update:model-value="(value: string) => patchSelected({ label: value })"
+            />
+          </el-form-item>
+
+          <el-form-item label="热区图片">
+            <div class="hotspot-image-row">
+              <el-input
+                class="hotspot-image-input"
+                :model-value="selectedHotspot.image_url"
+                placeholder="透明 PNG 按钮图 URL，留空则用高亮框"
+                @update:model-value="setHotspotImageUrl"
+              />
+              <label class="upload-trigger">
+                <input type="file" accept="image/png,image/webp" @change="handleHotspotUpload" />
+                {{ uploadingHotspot ? '上传中' : '上传按钮图' }}
+              </label>
+              <el-button
+                size="small"
+                :disabled="!selectedHotspot.image_url"
+                @click="clearHotspotImage"
+              >
+                清除
+              </el-button>
+            </div>
+            <p v-if="hotspotImageWarning" class="image-warning">{{ hotspotImageWarning }}</p>
+          </el-form-item>
+
+          <el-form-item label="悬浮放大">
+            <el-input-number
+              :model-value="selectedHotspot.hover_scale"
+              :min="1"
+              :max="1.5"
+              :precision="2"
+              :step="0.02"
+              controls-position="right"
+              @update:model-value="
+                (value: number | undefined) => patchSelected({ hover_scale: value ?? 1 })
+              "
+            />
+            <span class="action-hint">1 = 不放大，建议 1.04-1.08（鼠标悬浮时按钮图放大）</span>
+          </el-form-item>
+
+          <el-form-item label="位置尺寸">
+            <div class="hotspot-numbers">
+              <el-input-number
+                :model-value="selectedHotspot.x"
+                :min="0"
+                :max="100"
+                :precision="1"
+                :step="0.5"
+                controls-position="right"
+                @update:model-value="
+                  (value: number | undefined) => patchSelected({ x: value ?? 0 })
+                "
+              />
+              <el-input-number
+                :model-value="selectedHotspot.y"
+                :min="0"
+                :max="100"
+                :precision="1"
+                :step="0.5"
+                controls-position="right"
+                @update:model-value="
+                  (value: number | undefined) => patchSelected({ y: value ?? 0 })
+                "
+              />
+              <el-input-number
+                :model-value="selectedHotspot.width"
+                :min="1"
+                :max="100"
+                :precision="1"
+                :step="0.5"
+                controls-position="right"
+                @update:model-value="
+                  (value: number | undefined) => patchSelected({ width: value ?? 1 })
+                "
+              />
+              <el-input-number
+                :model-value="selectedHotspot.height"
+                :min="1"
+                :max="100"
+                :precision="1"
+                :step="0.5"
+                controls-position="right"
+                @update:model-value="
+                  (value: number | undefined) => patchSelected({ height: value ?? 1 })
+                "
+              />
+            </div>
+            <span class="action-hint">依次为 X / Y / 宽 / 高（百分比，0-100）</span>
+          </el-form-item>
+
+          <BannerActionEditor
+            :model-value="selectedHotspot.action"
+            @update:model-value="value => patchSelected({ action: value })"
+          />
+
+          <el-form-item>
+            <el-button type="danger" plain size="small" @click="removeSelectedHotspot">
+              删除该热区
+            </el-button>
+          </el-form-item>
+        </el-form>
+      </template>
+    </div>
+  </div>
+</template>
+
+<style scoped>
+.visual-editor {
+  display: grid;
+  gap: 12px;
+}
+
+.visual-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.visual-standard {
+  color: #ff6a00;
+  font-size: 12px;
+  font-weight: 700;
+}
+
+.visual-image-row {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+}
+
+.visual-canvas {
+  position: relative;
+  width: 100%;
+  border-radius: 10px;
+  background: repeating-conic-gradient(#f1f5f9 0% 25%, #ffffff 0% 50%) 50% / 18px 18px;
+  overflow: hidden;
+  cursor: crosshair;
+  user-select: none;
+}
+
+.visual-canvas img {
+  position: absolute;
+  inset: 0;
+  width: 100%;
+  height: 100%;
+  object-fit: cover;
+  pointer-events: none;
+}
+
+.visual-empty {
+  position: absolute;
+  inset: 0;
+  display: grid;
+  place-items: center;
+  color: #94a3b8;
+  font-size: 13px;
+}
+
+.hotspot-box {
+  position: absolute;
+  display: flex;
+  align-items: flex-start;
+  gap: 4px;
+  padding: 2px 4px;
+  border: 1px dashed rgba(255, 106, 0, 0.85);
+  border-radius: 6px;
+  background: rgba(255, 106, 0, 0.16);
+  color: #ffffff;
+  font-size: 11px;
+  line-height: 1.4;
+  cursor: move;
+  overflow: hidden;
+}
+
+/* 后台所见即所得：把热区按钮图半透明铺在框内，方便对齐海报上的按钮 */
+.hotspot-box-image {
+  position: absolute;
+  inset: 0;
+  width: 100%;
+  height: 100%;
+  object-fit: contain;
+  opacity: 0.82;
+  pointer-events: none;
+}
+
+.hotspot-box.active {
+  border-style: solid;
+  background: rgba(255, 106, 0, 0.32);
+  box-shadow: 0 0 0 2px rgba(255, 106, 0, 0.35);
+}
+
+.hotspot-index {
+  position: relative;
+  z-index: 1;
+  flex: 0 0 auto;
+  padding: 0 4px;
+  border-radius: 4px;
+  background: #ff6a00;
+  font-weight: 700;
+}
+
+.hotspot-name {
+  position: relative;
+  z-index: 1;
+  overflow: hidden;
+  text-overflow: ellipsis;
+  white-space: nowrap;
+  text-shadow: 0 1px 2px rgba(15, 23, 42, 0.6);
+}
+
+.hotspot-resize {
+  position: absolute;
+  right: 0;
+  bottom: 0;
+  width: 12px;
+  height: 12px;
+  border-right: 2px solid #ff6a00;
+  border-bottom: 2px solid #ff6a00;
+  background: rgba(255, 255, 255, 0.9);
+  cursor: nwse-resize;
+}
+
+.visual-tip {
+  margin: 0;
+  color: #94a3b8;
+  font-size: 12px;
+  line-height: 1.6;
+}
+
+.image-warning {
+  margin: 0;
+  width: 100%;
+  color: #d97706;
+  font-size: 12px;
+  line-height: 1.6;
+}
+
+.visual-form,
+.hotspot-form {
+  padding: 10px 12px 0;
+  border: 1px solid #eef1f5;
+  border-radius: 10px;
+  background: #fafbfc;
+}
+
+.hotspot-section {
+  display: grid;
+  gap: 8px;
+}
+
+.hotspot-section-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.hotspot-chips {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 6px;
+}
+
+.hotspot-chip {
+  padding: 4px 10px;
+  border: 1px solid #e2e8f0;
+  border-radius: 999px;
+  background: #ffffff;
+  color: #475569;
+  font-size: 12px;
+  cursor: pointer;
+}
+
+.hotspot-chip.active {
+  border-color: #ff6a00;
+  background: #fff4ea;
+  color: #ff6a00;
+  font-weight: 700;
+}
+
+.hotspot-numbers {
+  display: flex;
+  gap: 8px;
+}
+
+.hotspot-numbers :deep(.el-input-number) {
+  width: 120px;
+}
+
+.hotspot-image-row {
+  display: flex;
+  flex-wrap: nowrap;
+  align-items: center;
+  gap: 8px;
+  width: 100%;
+}
+
+.hotspot-image-input {
+  flex: 1 1 auto;
+  min-width: 0;
+  width: auto;
+}
+
+.action-hint {
+  margin-left: 8px;
+  color: #94a3b8;
+  font-size: 12px;
+}
+
+.upload-trigger {
+  position: relative;
+  display: inline-flex;
+  flex: 0 0 auto;
+  align-items: center;
+  justify-content: center;
+  height: 32px;
+  padding: 0 12px;
+  border: 1px solid #dcdfe6;
+  border-radius: 6px;
+  background: #fff;
+  color: #606266;
+  cursor: pointer;
+  font-size: 12px;
+  white-space: nowrap;
+}
+
+.upload-trigger input {
+  position: absolute;
+  inset: 0;
+  opacity: 0;
+  cursor: pointer;
+}
+</style>
diff --git a/frontend/src/features/admin/components/HomeBannersDialog.vue b/frontend/src/features/admin/components/HomeBannersDialog.vue
index bf3dfed..c9bdc39 100644
--- a/frontend/src/features/admin/components/HomeBannersDialog.vue
+++ b/frontend/src/features/admin/components/HomeBannersDialog.vue
@@ -1,16 +1,19 @@
 <script setup lang="ts">
-import { readError } from '@/shared/utils/error'
-import { ElMessage } from 'element-plus'
 import { ref, watch } from 'vue'
+import { ElMessage } from 'element-plus'
 
-import { uploadAdminFile } from '@/shared/api/files'
+import { readError } from '@/shared/utils/error'
 import {
+  createEmptyBannerVisual,
   defaultHomeBanners,
+  HOME_BANNER_MOBILE_RATIO,
+  HOME_BANNER_PC_RATIO,
   mergeHomeConfig,
   type HomeBannerSlide,
 } from '@/features/listings/api/homeConfig'
 import { updateSystemConfig, type SystemConfig } from '@/features/admin/api/systemConfigs'
 import { safeParseJSON } from '@/shared/utils/json'
+import BannerVisualEditor from './BannerVisualEditor.vue'
 
 const props = defineProps<{
   modelValue: boolean
@@ -25,7 +28,6 @@ const emit = defineEmits<{
 const submitting = ref(false)
 const description = ref('')
 const homeBannersDraft = ref<HomeBannerSlide[]>([])
-const uploadingBannerIndex = ref<number | null>(null)
 
 watch(
   () => props.modelValue,
@@ -40,6 +42,7 @@ watch(
 
 function parseHomeBanners(raw: string) {
   const parsed = safeParseJSON(raw, defaultHomeBanners)
+  // mergeHomeConfig 顺带把旧的扁平 image_url 结构升级成 pc/mobile 两端结构
   return cloneHomeBanners(mergeHomeConfig({ banners: Array.isArray(parsed) ? parsed : [] }).banners)
 }
 
@@ -47,6 +50,16 @@ function cloneHomeBanners(banners: HomeBannerSlide[]) {
   return JSON.parse(JSON.stringify(banners)) as HomeBannerSlide[]
 }
 
+function hasContent(banner: HomeBannerSlide) {
+  return Boolean(
+    banner.title.trim() ||
+    banner.pc.image_url.trim() ||
+    banner.mobile.image_url.trim() ||
+    banner.pc.hotspots.length ||
+    banner.mobile.hotspots.length
+  )
+}
+
 function addHomeBanner() {
   homeBannersDraft.value.push({
     eyebrow: '首页推荐',
@@ -54,7 +67,9 @@ function addHomeBanner() {
     badge: 'NEW',
     pill: '',
     tone: 'blue',
-    image_url: '',
+    enabled: true,
+    pc: createEmptyBannerVisual(),
+    mobile: createEmptyBannerVisual(),
   })
 }
 
@@ -62,41 +77,23 @@ function removeHomeBanner(index: number) {
   homeBannersDraft.value.splice(index, 1)
 }
 
-function resetHomeBanners() {
-  homeBannersDraft.value = cloneHomeBanners(defaultHomeBanners)
+function moveHomeBanner(index: number, step: number) {
+  const target = index + step
+  const list = homeBannersDraft.value
+  if (target < 0 || target >= list.length) return
+  const [item] = list.splice(index, 1)
+  if (!item) return
+  list.splice(target, 0, item)
 }
 
-async function handleHomeBannerUpload(event: Event, index: number) {
-  const input = event.target as HTMLInputElement
-  const file = input.files?.[0]
-  input.value = ''
-  if (!file) return
-  uploadingBannerIndex.value = index
-  try {
-    const uploaded = await uploadAdminFile(file, 'home-banner')
-    const banner = homeBannersDraft.value[index]
-    if (banner) {
-      banner.image_url = uploaded.url
-      if (!banner.title) {
-        banner.title = banner.eyebrow || '首页轮播图'
-      }
-    }
-    ElMessage.success('图片已上传')
-  } catch (error) {
-    ElMessage.error(readError(error, '图片上传失败'))
-  } finally {
-    uploadingBannerIndex.value = null
-  }
+function resetHomeBanners() {
+  homeBannersDraft.value = cloneHomeBanners(defaultHomeBanners)
 }
 
 async function handleSave() {
   submitting.value = true
   try {
-    const value = JSON.stringify(
-      homeBannersDraft.value.filter(item => item.title.trim() || item.image_url?.trim()),
-      null,
-      2
-    )
+    const value = JSON.stringify(homeBannersDraft.value.filter(hasContent), null, 2)
     await updateSystemConfig(props.config.key, {
       value,
       description: description.value,
@@ -116,7 +113,7 @@ async function handleSave() {
   <el-dialog
     :model-value="modelValue"
     title="编辑首页轮播图"
-    width="920px"
+    width="1080px"
     @update:model-value="emit('update:modelValue', $event)"
   >
     <div class="dialog-body">
@@ -124,71 +121,84 @@ async function handleSave() {
         <strong>{{ config.key }}</strong>
       </p>
 
-      <div class="home-config-editor">
-        <div class="editor-toolbar">
-          <span>首页轮播图</span>
-          <div class="panel-actions">
-            <el-button size="small" @click="resetHomeBanners">恢复默认轮播</el-button>
-            <el-button size="small" type="primary" @click="addHomeBanner">添加轮播</el-button>
-          </div>
+      <el-alert type="info" :closable="false" class="size-alert">
+        <template #title>
+          <span>
+            出图规范：PC 端 1600×400（4:1）、移动端
+            750×375（2:1），两端容器严格等比，按规范出图不裁切。
+            两端图片与跳转分开配置：在预览图上<b>单击新增热区</b>、拖动移动、拖右下角缩放，可为每个热区单独设置跳转；
+            未配置热区时整张图按「整图点击」响应，全部留空则点击查看大图。
+          </span>
+        </template>
+      </el-alert>
+
+      <div class="editor-toolbar">
+        <span>轮播列表（{{ homeBannersDraft.length }}）</span>
+        <div class="panel-actions">
+          <el-button size="small" @click="resetHomeBanners">恢复默认轮播</el-button>
+          <el-button size="small" type="primary" @click="addHomeBanner">添加轮播</el-button>
         </div>
-        <el-table :data="homeBannersDraft" size="small" border>
-          <el-table-column label="图片" min-width="240">
-            <template #default="{ row, $index }">
-              <div class="banner-image-editor">
-                <el-input v-model="row.image_url" placeholder="图片 URL，留空使用文字卡片" />
-                <div class="banner-image-tools">
-                  <img v-if="row.image_url" :src="row.image_url" alt="轮播图预览" />
-                  <div v-else class="empty-image">无图</div>
-                  <label class="upload-trigger">
-                    <input
-                      type="file"
-                      accept="image/jpeg,image/png,image/webp"
-                      @change="handleHomeBannerUpload($event, $index)"
-                    />
-                    {{ uploadingBannerIndex === $index ? '上传中' : '上传图片' }}
-                  </label>
-                </div>
-              </div>
-            </template>
-          </el-table-column>
-          <el-table-column label="眉标" min-width="160">
-            <template #default="{ row }"
-              ><el-input v-model="row.eyebrow" placeholder="如 三角洲行动账号专区"
-            /></template>
-          </el-table-column>
-          <el-table-column label="主标题" min-width="220">
-            <template #default="{ row }"
-              ><el-input v-model="row.title" placeholder="轮播主文案"
-            /></template>
-          </el-table-column>
-          <el-table-column label="角标" width="110">
-            <template #default="{ row }"
-              ><el-input v-model="row.badge" placeholder="HOT"
-            /></template>
-          </el-table-column>
-          <el-table-column label="胶囊文案" min-width="220">
-            <template #default="{ row }"
-              ><el-input v-model="row.pill" placeholder="底部补充文案"
-            /></template>
-          </el-table-column>
-          <el-table-column label="色调" width="130">
-            <template #default="{ row }">
-              <el-select v-model="row.tone" placeholder="色调">
-                <el-option label="蓝色" value="blue" />
-                <el-option label="绿色" value="green" />
-                <el-option label="橙色" value="orange" />
-              </el-select>
-            </template>
-          </el-table-column>
-          <el-table-column label="操作" width="90">
-            <template #default="{ $index }">
-              <el-button size="small" type="danger" plain @click="removeHomeBanner($index)"
-                >删除</el-button
+      </div>
+
+      <div class="banner-cards">
+        <div v-for="(banner, index) in homeBannersDraft" :key="index" class="banner-card">
+          <div class="banner-card-head">
+            <strong>轮播 {{ index + 1 }}</strong>
+            <div class="banner-card-actions">
+              <el-switch
+                v-model="banner.enabled"
+                inline-prompt
+                active-text="启用"
+                inactive-text="停用"
+                class="banner-switch"
+              />
+              <el-button size="small" :disabled="index === 0" @click="moveHomeBanner(index, -1)">
+                上移
+              </el-button>
+              <el-button
+                size="small"
+                :disabled="index === homeBannersDraft.length - 1"
+                @click="moveHomeBanner(index, 1)"
               >
-            </template>
-          </el-table-column>
-        </el-table>
+                下移
+              </el-button>
+              <el-button size="small" type="danger" plain @click="removeHomeBanner(index)">
+                删除
+              </el-button>
+            </div>
+          </div>
+
+          <div class="banner-copy-fields">
+            <el-input v-model="banner.eyebrow" placeholder="眉标，如 三角洲行动账号专区" />
+            <el-input v-model="banner.title" placeholder="主标题（无图时的文字卡片文案）" />
+            <el-input v-model="banner.badge" placeholder="角标，如 HOT" class="field-badge" />
+            <el-input v-model="banner.pill" placeholder="胶囊文案（可选）" />
+            <el-select v-model="banner.tone" placeholder="色调" class="field-tone">
+              <el-option label="蓝色" value="blue" />
+              <el-option label="绿色" value="green" />
+              <el-option label="橙色" value="orange" />
+            </el-select>
+          </div>
+
+          <el-tabs class="banner-tabs">
+            <el-tab-pane label="PC 端 1600×400（4:1）">
+              <BannerVisualEditor
+                v-model="banner.pc"
+                :ratio="HOME_BANNER_PC_RATIO"
+                label="PC 端展示"
+                standard="1600×400（4:1）"
+              />
+            </el-tab-pane>
+            <el-tab-pane label="移动端 750×375（2:1）">
+              <BannerVisualEditor
+                v-model="banner.mobile"
+                :ratio="HOME_BANNER_MOBILE_RATIO"
+                label="移动端展示"
+                standard="750×375（2:1）"
+              />
+            </el-tab-pane>
+          </el-tabs>
+        </div>
       </div>
 
       <el-form-item label="配置说明" class="desc-item">
@@ -205,8 +215,8 @@ async function handleSave() {
 <style scoped>
 .dialog-body {
   display: grid;
-  gap: 16px;
-  max-height: 65vh;
+  gap: 14px;
+  max-height: 68vh;
   overflow-y: auto;
   padding-right: 8px;
 }
@@ -216,9 +226,12 @@ async function handleSave() {
   color: #374151;
 }
 
-.home-config-editor {
-  display: grid;
-  gap: 14px;
+.size-alert {
+  align-items: flex-start;
+}
+
+.size-alert :deep(.el-alert__title) {
+  line-height: 1.7;
 }
 
 .editor-toolbar {
@@ -239,57 +252,62 @@ async function handleSave() {
   gap: 8px;
 }
 
-.banner-image-editor {
+.banner-cards {
   display: grid;
-  gap: 8px;
+  gap: 14px;
 }
 
-.banner-image-tools {
+.banner-card {
+  display: grid;
+  gap: 10px;
+  padding: 12px 14px 4px;
+  border: 1px solid #eef1f5;
+  border-radius: 12px;
+  background: #ffffff;
+}
+
+.banner-card-head {
+  display: flex;
+  align-items: center;
+  justify-content: space-between;
+  gap: 12px;
+}
+
+.banner-card-actions {
   display: flex;
   align-items: center;
   gap: 8px;
 }
 
-.banner-image-tools img,
-.empty-image {
-  width: 68px;
-  height: 38px;
-  border-radius: 6px;
-  background: #f3f4f6;
-  object-fit: cover;
+.banner-switch {
+  --el-switch-on-color: #ff6a00;
 }
 
-.empty-image {
-  display: grid;
-  place-items: center;
-  color: #9ca3af;
-  font-size: 12px;
+.banner-copy-fields {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 8px;
 }
 
-.upload-trigger {
-  position: relative;
-  display: inline-flex;
-  align-items: center;
-  justify-content: center;
-  height: 28px;
-  padding: 0 10px;
-  border: 1px solid #dcdfe6;
-  border-radius: 4px;
-  background: #fff;
-  color: #606266;
-  cursor: pointer;
-  font-size: 12px;
+.banner-copy-fields :deep(.el-input) {
+  flex: 1 1 200px;
+  min-width: 160px;
 }
 
-.upload-trigger input {
-  position: absolute;
-  inset: 0;
-  opacity: 0;
-  cursor: pointer;
+.banner-copy-fields .field-badge {
+  flex: 0 0 120px;
+}
+
+.banner-copy-fields .field-tone {
+  flex: 0 0 120px;
+}
+
+.banner-tabs :deep(.el-tabs__header) {
+  margin-bottom: 10px;
 }
 
 .desc-item {
-  margin-top: 14px;
+  margin-top: 6px;
   margin-bottom: 0;
 }
 </style>
diff --git a/frontend/src/features/listings/api/homeConfig.spec.ts b/frontend/src/features/listings/api/homeConfig.spec.ts
new file mode 100644
index 0000000..b6f8d24
--- /dev/null
+++ b/frontend/src/features/listings/api/homeConfig.spec.ts
@@ -0,0 +1,144 @@
+import { describe, expect, it } from 'vitest'
+import {
+  BANNER_HOTSPOT_DEFAULT_HOVER_SCALE,
+  createBannerHotspot,
+  hasBannerImage,
+  mergeHomeConfig,
+  normalizeHomeBanner,
+} from './homeConfig'
+
+describe('normalizeHomeBanner', () => {
+  it('把旧的扁平 image_url 结构升级为 PC / 移动两端共用同一张图', () => {
+    const banner = normalizeHomeBanner({
+      title: '旧结构',
+      eyebrow: '首页',
+      tone: 'green',
+      image_url: '  https://cdn.example/legacy.png  ',
+    })
+
+    expect(banner.pc.image_url).toBe('https://cdn.example/legacy.png')
+    expect(banner.mobile.image_url).toBe('https://cdn.example/legacy.png')
+    expect(banner.tone).toBe('green')
+    expect(banner.enabled).toBe(true)
+    expect(banner.pc.hotspots).toEqual([])
+  })
+
+  it('两端分别配图时互不覆盖', () => {
+    const banner = normalizeHomeBanner({
+      title: '两端分图',
+      pc: { image_url: 'https://cdn.example/pc.png' },
+      mobile: { image_url: 'https://cdn.example/mobile.png' },
+    })
+
+    expect(banner.pc.image_url).toBe('https://cdn.example/pc.png')
+    expect(banner.mobile.image_url).toBe('https://cdn.example/mobile.png')
+  })
+
+  it('只配移动图时 PC 端不会误用移动图', () => {
+    const banner = normalizeHomeBanner({
+      title: '仅移动图',
+      mobile: { image_url: 'https://cdn.example/mobile.png' },
+    })
+
+    expect(banner.pc.image_url).toBe('')
+    expect(banner.mobile.image_url).toBe('https://cdn.example/mobile.png')
+    expect(hasBannerImage(banner.pc)).toBe(false)
+  })
+
+  it('收敛热区坐标并丢弃无效热区', () => {
+    const banner = normalizeHomeBanner({
+      title: '热区',
+      pc: {
+        image_url: '/pc.png',
+        hotspots: [
+          {
+            id: ' h1 ',
+            x: 90,
+            y: 95,
+            width: 20,
+            height: 20,
+            action: { type: 'route', target: '/x' },
+          },
+          { id: 'zero', y: 10, width: 0, height: 10, action: { type: 'route', target: '/x' } },
+        ],
+      },
+    })
+
+    expect(banner.pc.hotspots).toHaveLength(1)
+    expect(banner.pc.hotspots[0]).toMatchObject({ id: 'h1', x: 80, y: 80 })
+  })
+
+  it('缺失目标的跳转退化为不跳转，避免死热区', () => {
+    const banner = normalizeHomeBanner({
+      title: '死区',
+      pc: { image_url: '/pc.png', action: { type: 'route', target: '   ' } },
+      mobile: { image_url: '/m.png', action: { type: 'link', target: 'https://a.example' } },
+    })
+
+    expect(banner.pc.action).toEqual({ type: 'none', target: '', open_new_tab: false })
+    expect(banner.mobile.action).toEqual({
+      type: 'link',
+      target: 'https://a.example',
+      open_new_tab: false,
+    })
+  })
+
+  it('热区按钮图去空格，悬浮倍数默认与收敛', () => {
+    const banner = normalizeHomeBanner({
+      title: '按钮图',
+      pc: {
+        image_url: '/pc.png',
+        hotspots: [
+          { id: 'a', width: 20, height: 20, image_url: '  https://cdn.example/btn.png  ' },
+          { id: 'b', width: 20, height: 20, hover_scale: 9 },
+          { id: 'c', width: 20, height: 20, hover_scale: 0.5 },
+        ],
+      },
+    })
+
+    expect(banner.pc.hotspots[0]?.image_url).toBe('https://cdn.example/btn.png')
+    expect(banner.pc.hotspots[0]?.hover_scale).toBe(BANNER_HOTSPOT_DEFAULT_HOVER_SCALE)
+    expect(banner.pc.hotspots[1]?.hover_scale).toBe(1.5)
+    expect(banner.pc.hotspots[2]?.hover_scale).toBe(1)
+  })
+
+  it('保留停用标记', () => {
+    expect(normalizeHomeBanner({ title: '停用', enabled: false }).enabled).toBe(false)
+  })
+})
+
+describe('mergeHomeConfig', () => {
+  it('过滤掉既无文案也无图片的空轮播', () => {
+    const config = mergeHomeConfig({
+      banners: [
+        { title: '有效' },
+        { title: '   ', pc: { image_url: 'https://cdn.example/pc.png' } },
+        { title: '' },
+      ],
+    })
+
+    // 只有图片没有文案的轮播要保留，全空的条目被丢弃
+    expect(config.banners.map(item => item.pc.image_url)).toEqual([
+      '',
+      'https://cdn.example/pc.png',
+    ])
+  })
+
+  it('全部无效时回落到默认轮播', () => {
+    const config = mergeHomeConfig({ banners: [{ title: '' }] })
+    expect(config.banners.length).toBeGreaterThan(0)
+    expect(config.banners[0]?.pc.image_url).toBe('')
+  })
+})
+
+describe('createBannerHotspot', () => {
+  it('生成带默认行为的热区，便于后台直接框选', () => {
+    const hotspot = createBannerHotspot({ x: 10, y: 12 })
+
+    expect(hotspot.id).toBeTruthy()
+    expect(hotspot.action).toEqual({ type: 'none', target: '', open_new_tab: false })
+    expect(hotspot.image_url).toBe('')
+    expect(hotspot.hover_scale).toBe(BANNER_HOTSPOT_DEFAULT_HOVER_SCALE)
+    expect(hotspot).toMatchObject({ x: 10, y: 12, width: 24, height: 24 })
+  })
+})
diff --git a/frontend/src/features/listings/api/homeConfig.ts b/frontend/src/features/listings/api/homeConfig.ts
index 6050163..df88a2a 100644
--- a/frontend/src/features/listings/api/homeConfig.ts
+++ b/frontend/src/features/listings/api/homeConfig.ts
@@ -3,13 +3,190 @@ import type { ApiResponse } from '@/shared/types/types'
 import { normalizeAnnouncements } from '@/shared/utils/announcements'
 import { mergeListingPublishOptions, type ListingPublishOptions } from './listingOptions'
 
+/** 轮播出图规范：PC 1600×400（4:1）、移动端 750×375（2:1），两端容器严格等比，标准图零裁切。 */
+export const HOME_BANNER_PC_RATIO = { width: 1600, height: 400 }
+export const HOME_BANNER_MOBILE_RATIO = { width: 750, height: 375 }
+
+export type BannerActionType = 'none' | 'route' | 'link' | 'preview'
+
+/** 点击行为：站内路径 / 外部链接 / 查看大图 / 不跳转。 */
+export interface BannerAction {
+  type: BannerActionType
+  target: string
+  open_new_tab: boolean
+}
+
+/** 热区：相对图片的百分比坐标（0-100），与出图分辨率解耦。 */
+export interface BannerHotspot {
+  id: string
+  label: string
+  x: number
+  y: number
+  width: number
+  height: number
+  /** 热区按钮图（透明 PNG）：留空则用半透明高亮框表示可点击。 */
+  image_url: string
+  /** 悬浮放大倍数：1 表示不放大，建议 1.04-1.08。 */
+  hover_scale: number
+  action: BannerAction
+}
+
+/** 单端视觉配置：图片 + 整图点击行为 + 热区（热点区域）。 */
+export interface BannerVisual {
+  image_url: string
+  alt: string
+  action: BannerAction
+  hotspots: BannerHotspot[]
+}
+
 export interface HomeBannerSlide {
   eyebrow: string
   title: string
   badge: string
   pill: string
   tone: string
-  image_url?: string
+  enabled: boolean
+  pc: BannerVisual
+  mobile: BannerVisual
+}
+
+export const bannerActionOptions: { value: BannerActionType; label: string }[] = [
+  { value: 'none', label: '不跳转' },
+  { value: 'route', label: '站内路径' },
+  { value: 'link', label: '外部链接' },
+  { value: 'preview', label: '查看大图' },
+]
+
+export const bannerActionHints: Record<BannerActionType, string> = {
+  none: '点击无动作；未配置热区时仍可点击查看大图',
+  route: '站内路径，如 /listings、/m/announcements',
+  link: '外部链接，需以 http:// 或 https:// 开头',
+  preview: '点击放大查看原图',
+}
+
+const BANNER_ACTION_TYPES: BannerActionType[] = ['none', 'route', 'link', 'preview']
+
+export function createEmptyBannerAction(): BannerAction {
+  return { type: 'none', target: '', open_new_tab: false }
+}
+
+export function createEmptyBannerVisual(): BannerVisual {
+  return { image_url: '', alt: '', action: createEmptyBannerAction(), hotspots: [] }
+}
+
+export const BANNER_HOTSPOT_DEFAULT_HOVER_SCALE = 1.06
+const BANNER_HOTSPOT_MAX_HOVER_SCALE = 1.5
+
+export function createBannerHotspot(partial: Partial<BannerHotspot> = {}): BannerHotspot {
+  return {
+    id: `hotspot-${Date.now().toString(36)}-${Math.random().toString(36).slice(2, 6)}`,
+    label: '',
+    x: 6,
+    y: 20,
+    width: 24,
+    height: 24,
+    image_url: '',
+    hover_scale: BANNER_HOTSPOT_DEFAULT_HOVER_SCALE,
+    action: createEmptyBannerAction(),
+    ...partial,
+  }
+}
+
+export function normalizeBannerAction(raw: unknown): BannerAction {
+  const source = isRecord(raw) ? raw : {}
+  const rawType = typeof source.type === 'string' ? source.type.trim() : ''
+  const type = BANNER_ACTION_TYPES.find(item => item === rawType) ?? 'none'
+  const target = typeof source.target === 'string' ? source.target.trim() : ''
+  // 目标缺失的跳转会变成「点了没反应」的死热区，直接退化为不跳转
+  if ((type === 'route' || type === 'link') && !target) {
+    return createEmptyBannerAction()
+  }
+  return { type, target, open_new_tab: source.open_new_tab === true }
+}
+
+export function normalizeBannerHotspot(raw: unknown, index: number): BannerHotspot | null {
+  if (!isRecord(raw)) return null
+  const width = clampPercent(raw.width)
+  const height = clampPercent(raw.height)
+  if (width <= 0 || height <= 0) return null
+  return {
+    id: typeof raw.id === 'string' && raw.id.trim() ? raw.id.trim() : `hotspot-${index + 1}`,
+    label: typeof raw.label === 'string' ? raw.label.trim() : '',
+    x: clampPercent(raw.x, 100 - width),
+    y: clampPercent(raw.y, 100 - height),
+    width,
+    height,
+    image_url: typeof raw.image_url === 'string' ? raw.image_url.trim() : '',
+    hover_scale: normalizeHotspotHoverScale(raw.hover_scale),
+    action: normalizeBannerAction(raw.action),
+  }
+}
+
+/** 悬浮放大倍数：缺失/非法回落默认值，上限 1.5 避免热区盖住整张图。 */
+function normalizeHotspotHoverScale(value: unknown): number {
+  const num = typeof value === 'number' ? value : Number(value)
+  if (!Number.isFinite(num) || num <= 0) return BANNER_HOTSPOT_DEFAULT_HOVER_SCALE
+  const clamped = Math.min(Math.max(num, 1), BANNER_HOTSPOT_MAX_HOVER_SCALE)
+  return Math.round(clamped * 100) / 100
+}
+
+/**
+ * 归一化单端视觉配置。
+ * `legacyImageUrl` 兼容早期扁平结构（只有一张 image_url），保证历史配置两端都还能出图。
+ */
+export function normalizeBannerVisual(raw: unknown, legacyImageUrl = ''): BannerVisual {
+  const source = isRecord(raw) ? raw : {}
+  const imageUrl = typeof source.image_url === 'string' ? source.image_url.trim() : ''
+  const rawHotspots = Array.isArray(source.hotspots) ? source.hotspots : []
+  return {
+    image_url: imageUrl || legacyImageUrl,
+    alt: typeof source.alt === 'string' ? source.alt.trim() : '',
+    action: normalizeBannerAction(source.action),
+    hotspots: rawHotspots
+      .map((item, index) => normalizeBannerHotspot(item, index))
+      .filter((item): item is BannerHotspot => item !== null),
+  }
+}
+
+/** 归一化单个轮播：新结构（pc/mobile）优先，同时兼容旧的扁平 image_url 结构。 */
+export function normalizeHomeBanner(raw: unknown): HomeBannerSlide {
+  const source = isRecord(raw) ? raw : {}
+  const legacyImageUrl = typeof source.image_url === 'string' ? source.image_url.trim() : ''
+  return {
+    eyebrow: normalizeText(source.eyebrow),
+    title: normalizeText(source.title),
+    badge: normalizeText(source.badge),
+    pill: normalizeText(source.pill),
+    tone: normalizeBannerTone(typeof source.tone === 'string' ? source.tone : ''),
+    enabled: source.enabled !== false,
+    pc: normalizeBannerVisual(source.pc, legacyImageUrl),
+    mobile: normalizeBannerVisual(source.mobile, legacyImageUrl),
+  }
+}
+
+/** 该端是否配了图（配图才走等比图片容器，否则退回文字卡片）。 */
+export function hasBannerImage(visual: BannerVisual): boolean {
+  return Boolean(visual.image_url.trim())
+}
+
+/** 热区是否可点击：配置了真实行为才算命中，否则让点击穿透到整图。 */
+export function isBannerActionInteractive(action: BannerAction): boolean {
+  return action.type !== 'none'
+}
+
+function normalizeText(value: unknown): string {
+  return typeof value === 'string' ? value.trim() : ''
+}
+
+function clampPercent(value: unknown, max = 100): number {
+  const num = typeof value === 'number' ? value : Number(value)
+  if (!Number.isFinite(num)) return 0
+  const clamped = Math.min(Math.max(num, 0), max)
+  return Math.round(clamped * 100) / 100
+}
+
+function isRecord(value: unknown): value is Record<string, unknown> {
+  return typeof value === 'object' && value !== null
 }
 
 export interface AWRecycleConfig {
@@ -61,7 +238,9 @@ export const defaultHomeBanners: HomeBannerSlide[] = [
     badge: 'HOT',
     pill: '新人领券最高减 20 元',
     tone: 'blue',
-    image_url: '',
+    enabled: true,
+    pc: createEmptyBannerVisual(),
+    mobile: createEmptyBannerVisual(),
   },
   {
     eyebrow: '平台担保交易',
@@ -69,7 +248,9 @@ export const defaultHomeBanners: HomeBannerSlide[] = [
     badge: 'SAFE',
     pill: '租号前先验实名与资料',
     tone: 'green',
-    image_url: '',
+    enabled: true,
+    pc: createEmptyBannerVisual(),
+    mobile: createEmptyBannerVisual(),
   },
   {
     eyebrow: '高效筛选',
@@ -77,7 +258,9 @@ export const defaultHomeBanners: HomeBannerSlide[] = [
     badge: 'FAST',
     pill: '支持扫码号与账密号',
     tone: 'orange',
-    image_url: '',
+    enabled: true,
+    pc: createEmptyBannerVisual(),
+    mobile: createEmptyBannerVisual(),
   },
 ]
 
@@ -91,18 +274,8 @@ export function mergeHomeConfig(config?: Partial<MobileHomeConfig>): MobileHomeC
   const announcements = normalizeAnnouncements(config?.announcements)
   const banners =
     config?.banners
-      ?.map(item => {
-        const banner = isBannerLike(item) ? item : ({} as Partial<HomeBannerSlide>)
-        return {
-          eyebrow: banner.eyebrow?.trim() || '',
-          title: banner.title?.trim() || '',
-          badge: banner.badge?.trim() || '',
-          pill: banner.pill?.trim() || '',
-          tone: normalizeBannerTone(banner.tone),
-          image_url: banner.image_url?.trim() || '',
-        }
-      })
-      .filter(item => item.title || item.image_url) || []
+      ?.map(item => normalizeHomeBanner(item))
+      .filter(item => item.title || hasBannerImage(item.pc) || hasBannerImage(item.mobile)) || []
 
   const awRaw = config?.aw_recycle
   const awRecycle: AWRecycleConfig = {
@@ -150,11 +323,7 @@ export function mergeHomeConfig(config?: Partial<MobileHomeConfig>): MobileHomeC
   }
 }
 
-function isBannerLike(value: unknown): value is Partial<HomeBannerSlide> {
-  return typeof value === 'object' && value !== null
-}
-
-function normalizeBannerTone(tone?: string) {
-  if (tone === 'green' || tone === 'orange') return tone
+function normalizeBannerTone(tone: string) {
+  if (tone === 'green' || tone === 'orange' || tone === 'gold') return tone
   return 'blue'
 }
diff --git a/frontend/src/features/listings/components/BannerHotspotLayer.vue b/frontend/src/features/listings/components/BannerHotspotLayer.vue
new file mode 100644
index 0000000..391bc80
--- /dev/null
+++ b/frontend/src/features/listings/components/BannerHotspotLayer.vue
@@ -0,0 +1,126 @@
+<script setup lang="ts">
+import { computed } from 'vue'
+import {
+  isBannerActionInteractive,
+  type BannerAction,
+  type BannerHotspot,
+  type BannerVisual,
+} from '@/features/listings/api/homeConfig'
+
+const props = defineProps<{
+  visual: BannerVisual
+}>()
+
+const emit = defineEmits<{
+  trigger: [action: BannerAction]
+}>()
+
+/** 只渲染配置了真实行为的热区，其余保持点击穿透，交给整图行为处理。 */
+const hotspots = computed(() =>
+  props.visual.hotspots.filter(item => isBannerActionInteractive(item.action))
+)
+
+function hotspotStyle(hotspot: BannerHotspot) {
+  return {
+    left: `${hotspot.x}%`,
+    top: `${hotspot.y}%`,
+    width: `${hotspot.width}%`,
+    height: `${hotspot.height}%`,
+  }
+}
+
+/** 悬浮放大倍数通过 CSS 变量下传，运营可按按钮图大小微调。 */
+function imageStyle(hotspot: BannerHotspot) {
+  return { '--hotspot-hover-scale': String(hotspot.hover_scale) }
+}
+
+function hasHotspotImage(hotspot: BannerHotspot) {
+  return Boolean(hotspot.image_url.trim())
+}
+</script>
+
+<template>
+  <div v-if="hotspots.length" class="banner-hotspot-layer">
+    <button
+      v-for="item in hotspots"
+      :key="item.id"
+      class="banner-hotspot"
+      :class="{ 'has-image': hasHotspotImage(item) }"
+      type="button"
+      :style="hotspotStyle(item)"
+      :aria-label="item.label || '查看详情'"
+      :title="item.label || undefined"
+      @click.stop="emit('trigger', item.action)"
+    >
+      <img
+        v-if="hasHotspotImage(item)"
+        class="banner-hotspot-image"
+        :src="item.image_url"
+        :alt="item.label || ''"
+        :style="imageStyle(item)"
+        draggable="false"
+      />
+    </button>
+  </div>
+</template>
+
+<style scoped>
+.banner-hotspot-layer {
+  position: absolute;
+  inset: 0;
+  z-index: 2;
+}
+
+.banner-hotspot {
+  position: absolute;
+  margin: 0;
+  padding: 0;
+  border: 0;
+  border-radius: 10px;
+  background: transparent;
+  cursor: pointer;
+  transition:
+    background 0.15s ease,
+    box-shadow 0.15s ease;
+}
+
+/* 无按钮图时用半透明高亮提示「这里可点」 */
+.banner-hotspot:not(.has-image):hover,
+.banner-hotspot:not(.has-image):focus-visible {
+  outline: none;
+  background: rgba(255, 255, 255, 0.16);
+  box-shadow: inset 0 0 0 2px rgba(255, 255, 255, 0.85);
+}
+
+/* 有按钮图时按图片展示，悬浮轻微放大 + 投影（与运营海报按钮一致的手感） */
+.banner-hotspot.has-image {
+  border-radius: 0;
+}
+
+.banner-hotspot-image {
+  display: block;
+  width: 100%;
+  height: 100%;
+  object-fit: contain;
+  transform-origin: center;
+  transition:
+    transform 0.2s ease,
+    filter 0.2s ease;
+}
+
+.banner-hotspot.has-image:hover .banner-hotspot-image,
+.banner-hotspot.has-image:focus-visible .banner-hotspot-image {
+  transform: scale(var(--hotspot-hover-scale, 1.06));
+  filter: drop-shadow(0 6px 14px rgba(15, 23, 42, 0.35));
+}
+
+.banner-hotspot.has-image:active .banner-hotspot-image {
+  transform: scale(calc(var(--hotspot-hover-scale, 1.06) * 0.97));
+}
+
+@media (prefers-reduced-motion: reduce) {
+  .banner-hotspot-image {
+    transition: none;
+  }
+}
+</style>
diff --git a/frontend/src/features/listings/components/HomeBanner.vue b/frontend/src/features/listings/components/HomeBanner.vue
index bb9237c..8f22552 100644
--- a/frontend/src/features/listings/components/HomeBanner.vue
+++ b/frontend/src/features/listings/components/HomeBanner.vue
@@ -1,14 +1,13 @@
 <script setup lang="ts">
 import { computed, ref } from 'vue'
-
-interface HomeBannerSlide {
-  title?: string
-  eyebrow?: string
-  pill?: string
-  badge?: string
-  tone?: string
-  image_url?: string
-}
+import {
+  hasBannerImage,
+  type BannerAction,
+  type BannerVisual,
+  type HomeBannerSlide,
+} from '@/features/listings/api/homeConfig'
+import { useBannerAction } from '@/features/listings/composables/useBannerAction'
+import BannerHotspotLayer from './BannerHotspotLayer.vue'
 
 interface StatItem {
   label: string
@@ -23,20 +22,18 @@ interface Props {
 
 const props = defineProps<Props>()
 
-// 轮播高度由 CSS 变量统一控制，方便大屏/窄屏按比例收敛。
-const carouselHeight = 'var(--home-hero-height, 340px)'
+const { run } = useBannerAction()
 
 const previewVisible = ref(false)
 const previewIndex = ref(0)
 
+/** PC 端统一使用桌面图（1600×400），保证 4:1 容器内零裁切。 */
 const previewUrls = computed(() =>
-  props.banners
-    .map(slide => slide.image_url?.trim() || '')
-    .filter((url): url is string => Boolean(url))
+  props.banners.map(slide => slide.pc.image_url.trim()).filter((url): url is string => Boolean(url))
 )
 
 function openPreview(slide: HomeBannerSlide) {
-  const url = slide.image_url?.trim()
+  const url = slide.pc.image_url.trim()
   if (!url) return
   const index = previewUrls.value.indexOf(url)
   if (index < 0) return
@@ -49,30 +46,47 @@ function closePreview() {
 }
 
 function hasSlideCopy(slide: HomeBannerSlide) {
-  return Boolean(slide.eyebrow?.trim() || slide.title?.trim() || slide.pill?.trim())
+  return Boolean(slide.eyebrow.trim() || slide.title.trim() || slide.pill.trim())
+}
+
+/** 热区/整图点击：配置跳转就跳，配了查看大图就看大图，都没配则退回查看大图。 */
+function handleAction(slide: HomeBannerSlide, action: BannerAction) {
+  if (action.type === 'preview') {
+    openPreview(slide)
+    return
+  }
+  if (run(action)) return
+  openPreview(slide)
+}
+
+/** 光标反馈：可跳转用 pointer，可看大图用 zoom-in。 */
+function slideCursorClasses(visual: BannerVisual) {
+  if (!hasBannerImage(visual)) return {}
+  const actionable = visual.action.type === 'route' || visual.action.type === 'link'
+  return { 'is-actionable': actionable, 'is-previewable': !actionable }
 }
 </script>
 
 <template>
   <section class="hero-board">
-    <el-carousel :height="carouselHeight" :interval="3600">
-      <el-carousel-item v-for="slide in banners" :key="slide.title || slide.image_url">
+    <el-carousel :interval="3600">
+      <el-carousel-item v-for="slide in banners" :key="slide.pc.image_url || slide.title">
         <div
           class="hero-slide"
           :class="[
             `tone-${slide.tone}`,
+            slideCursorClasses(slide.pc),
             {
-              'has-image': slide.image_url,
+              'has-image': hasBannerImage(slide.pc),
               'has-copy': hasSlideCopy(slide),
-              'is-previewable': !!slide.image_url,
             },
           ]"
-          @click="openPreview(slide)"
+          @click="handleAction(slide, slide.pc.action)"
         >
           <img
-            v-if="slide.image_url"
-            :src="slide.image_url"
-            :alt="slide.title || slide.eyebrow || '首页轮播'"
+            v-if="hasBannerImage(slide.pc)"
+            :src="slide.pc.image_url"
+            :alt="slide.pc.alt || slide.title || slide.eyebrow || '首页轮播'"
           />
           <div class="hero-copy">
             <span v-if="slide.eyebrow">{{ slide.eyebrow }}</span>
@@ -80,6 +94,7 @@ function hasSlideCopy(slide: HomeBannerSlide) {
             <p v-if="slide.pill">{{ slide.pill }}</p>
           </div>
           <em v-if="slide.badge">{{ slide.badge }}</em>
+          <BannerHotspotLayer :visual="slide.pc" @trigger="action => handleAction(slide, action)" />
         </div>
       </el-carousel-item>
     </el-carousel>
@@ -104,22 +119,25 @@ function hasSlideCopy(slide: HomeBannerSlide) {
 </template>
 
 <style scoped>
+/* PC 出图规范 1600×400（4:1）：容器靠 aspect-ratio 严格等比，换分辨率也不裁切。 */
 .hero-board {
-  --home-hero-height: 340px;
   position: relative;
   min-width: 0;
   width: 100%;
+  aspect-ratio: 1600 / 400;
   border-radius: 14px;
   overflow: hidden;
   background: #ffffff;
 }
 
 .hero-board :deep(.el-carousel) {
+  height: 100%;
   min-width: 0;
 }
 
+/* 覆盖 el-carousel 自带的 300px 容器高度与 height 属性内联样式 */
 .hero-board :deep(.el-carousel__container) {
-  height: var(--home-hero-height, 340px);
+  height: 100% !important;
   overflow: hidden;
 }
 
@@ -142,6 +160,10 @@ function hasSlideCopy(slide: HomeBannerSlide) {
   cursor: zoom-in;
 }
 
+.hero-slide.is-actionable {
+  cursor: pointer;
+}
+
 .hero-slide.tone-blue {
   background: linear-gradient(135deg, #eff6ff 0%, #dbeafe 56%, #fff7ed 100%);
 }
@@ -159,6 +181,7 @@ function hasSlideCopy(slide: HomeBannerSlide) {
   width: 100%;
   height: 100%;
   object-fit: cover;
+  object-position: center;
 }
 
 .hero-slide.has-image.has-copy::after {
@@ -264,20 +287,12 @@ function hasSlideCopy(slide: HomeBannerSlide) {
 }
 
 @media (max-width: 1440px) {
-  .hero-board {
-    --home-hero-height: 300px;
-  }
-
   .hero-copy h1 {
     font-size: 26px;
   }
 }
 
 @media (max-width: 1024px) {
-  .hero-board {
-    --home-hero-height: 240px;
-  }
-
   .hero-slide {
     padding: 22px 28px;
   }
diff --git a/frontend/src/features/listings/composables/useBannerAction.ts b/frontend/src/features/listings/composables/useBannerAction.ts
new file mode 100644
index 0000000..668b7ba
--- /dev/null
+++ b/frontend/src/features/listings/composables/useBannerAction.ts
@@ -0,0 +1,29 @@
+import { useRouter } from 'vue-router'
+import type { BannerAction } from '@/features/listings/api/homeConfig'
+
+/**
+ * 轮播点击行为统一执行器：站内路径走路由，外部链接走 window.open。
+ * 返回是否真正执行了跳转，调用方可据此决定兜底行为（例如查看大图）。
+ */
+export function useBannerAction() {
+  const router = useRouter()
+
+  function run(action: BannerAction): boolean {
+    const target = action.target.trim()
+    if (action.type === 'route' && target) {
+      if (action.open_new_tab) {
+        window.open(target, '_blank', 'noopener')
+        return true
+      }
+      void router.push(target)
+      return true
+    }
+    if (action.type === 'link' && target) {
+      window.open(target, action.open_new_tab ? '_blank' : '_self', 'noopener')
+      return true
+    }
+    return false
+  }
+
+  return { run }
+}
diff --git a/frontend/src/features/listings/views/HomeView.vue b/frontend/src/features/listings/views/HomeView.vue
index 13f5aa9..b158bdf 100644
--- a/frontend/src/features/listings/views/HomeView.vue
+++ b/frontend/src/features/listings/views/HomeView.vue
@@ -8,6 +8,7 @@ import {
   defaultHomeAnnouncements,
   defaultHomeBanners,
   fetchMobileHomeConfig,
+  normalizeHomeBanner,
   type AWRecycleConfig,
   type CooperationFeedbackConfig,
   type HomeBannerSlide,
@@ -60,10 +61,11 @@ const displayAnnouncements = computed(() => {
 })
 const banners = ref<HomeBannerSlide[]>(defaultHomeBanners)
 const displayBanners = computed<HomeBannerSlide[]>(() => {
-  if (siteStore.isDistribution && siteStore.banners.length > 0) {
-    return mapDistributionHomeBanners(siteStore.banners, siteStore.siteName)
-  }
-  return banners.value
+  const list =
+    siteStore.isDistribution && siteStore.banners.length > 0
+      ? mapDistributionHomeBanners(siteStore.banners, siteStore.siteName)
+      : banners.value
+  return list.filter(slide => slide.enabled !== false)
 })
 const awRecycle = ref<AWRecycleConfig>({ ...defaultAWRecycleConfig })
 const awRecycleDialogVisible = ref(false)
@@ -399,7 +401,7 @@ function restoreFromCache(): boolean {
   })
   if (pcHomeCache.homeConfigLoaded) {
     announcements.value = pcHomeCache.announcements.slice()
-    banners.value = pcHomeCache.banners.map(slide => ({ ...slide }))
+    banners.value = pcHomeCache.banners.map(slide => normalizeHomeBanner(slide))
     awRecycle.value = { ...pcHomeCache.awRecycle }
     cooperationFeedback.value = { ...pcHomeCache.cooperationFeedback }
     publishOptions.value = pcHomeCache.publishOptions
diff --git a/frontend/src/features/listings/views/MobileHomeView.css b/frontend/src/features/listings/views/MobileHomeView.css
index 9397133..d5d2702 100644
--- a/frontend/src/features/listings/views/MobileHomeView.css
+++ b/frontend/src/features/listings/views/MobileHomeView.css
@@ -285,9 +285,15 @@
   background: #ff6a00;
 }
 
+/* 移动出图规范 750×375（2:1）：只要有一条配图，整条轮播统一按 2:1 等比，标准图零裁切 */
+.banner-swipe.has-image {
+  aspect-ratio: 2 / 1;
+}
+
 .mobile-banner {
   position: relative;
   display: flex;
+  height: 100%;
   min-height: 128px;
   align-items: flex-end;
   padding: 16px 16px 24px;
@@ -300,6 +306,10 @@
   cursor: zoom-in;
 }
 
+.mobile-banner.is-actionable {
+  cursor: pointer;
+}
+
 .mobile-banner.tone-warm {
   background: #9a3412;
 }
@@ -328,12 +338,8 @@
   object-fit: cover;
 }
 
-.banner-swipe.is-poster {
-  height: 168px;
-}
-
 .mobile-banner.is-poster {
-  height: 168px;
+  height: 100%;
   min-height: 0;
   padding: 0;
 }
@@ -387,9 +393,11 @@
   font-weight: 700;
 }
 
+/* 大图预览按移动出图规范 2:1 展示，并把整张图完整放进框内（不裁切） */
 .banner-lightbox-frame {
   width: 100%;
-  aspect-ratio: 2.15 / 1;
+  aspect-ratio: 2 / 1;
+  background: rgba(255, 255, 255, 0.04);
   overflow: hidden;
 }
 
@@ -397,7 +405,7 @@
   display: block;
   width: 100%;
   height: 100%;
-  object-fit: cover;
+  object-fit: contain;
   object-position: center;
 }
 
diff --git a/frontend/src/features/listings/views/MobileHomeView.vue b/frontend/src/features/listings/views/MobileHomeView.vue
index f33537c..1bcc8c3 100644
--- a/frontend/src/features/listings/views/MobileHomeView.vue
+++ b/frontend/src/features/listings/views/MobileHomeView.vue
@@ -19,10 +19,15 @@ import {
   defaultHomeAnnouncements,
   defaultHomeBanners,
   fetchMobileHomeConfig,
+  hasBannerImage,
+  normalizeHomeBanner,
   type AWRecycleConfig,
+  type BannerAction,
   type CooperationFeedbackConfig,
   type HomeBannerSlide,
 } from '@/features/listings/api/homeConfig'
+import BannerHotspotLayer from '@/features/listings/components/BannerHotspotLayer.vue'
+import { useBannerAction } from '@/features/listings/composables/useBannerAction'
 import { showToast } from 'vant'
 import AnnouncementPopup from '@/features/announcement/components/AnnouncementPopup.vue'
 import AuthImage from '@/shared/components/business/AuthImage.vue'
@@ -72,6 +77,7 @@ const route = useRoute()
 const session = useSessionStore()
 const siteStore = useDistributionSiteStore()
 const homeCache = useMobileHomeCacheStore()
+const { run: runBannerAction } = useBannerAction()
 const scrollEl = ref<HTMLElement | null>(null)
 const loading = ref(false)
 const loadingMore = ref(false)
@@ -102,16 +108,18 @@ const displayAnnouncements = computed(() => {
 })
 const bannerSlides = ref<HomeBannerSlide[]>(defaultHomeBanners)
 const displayBanners = computed<HomeBannerSlide[]>(() => {
-  if (siteStore.isDistribution && siteStore.banners.length > 0) {
-    return mapDistributionHomeBanners(siteStore.banners, siteStore.siteName)
-  }
-  return bannerSlides.value
+  const list =
+    siteStore.isDistribution && siteStore.banners.length > 0
+      ? mapDistributionHomeBanners(siteStore.banners, siteStore.siteName)
+      : bannerSlides.value
+  return list.filter(slide => slide.enabled !== false)
 })
 const bannerPreviewVisible = ref(false)
 const bannerPreviewIndex = ref(0)
+/** 移动端统一使用移动图（750×375），保证 2:1 容器内零裁切。 */
 const bannerPreviewImages = computed(() =>
   displayBanners.value
-    .map(slide => slide.image_url?.trim() || '')
+    .map(slide => slide.mobile.image_url.trim())
     .filter((url): url is string => Boolean(url))
 )
 const awRecycle = ref<AWRecycleConfig>({ ...defaultAWRecycleConfig })
@@ -352,7 +360,7 @@ function restoreFromCache() {
 function restoreHomeConfigFromCache() {
   if (!homeCache.homeConfigLoaded) return false
   announcements.value = homeCache.announcements.slice()
-  bannerSlides.value = homeCache.bannerSlides.map(slide => ({ ...slide }))
+  bannerSlides.value = homeCache.bannerSlides.map(slide => normalizeHomeBanner(slide))
   publishOptions.value = homeCache.publishOptions
   return true
 }
@@ -503,7 +511,7 @@ function openCooperationFeedback() {
 }
 
 function openBannerPreview(slide: HomeBannerSlide) {
-  const url = slide.image_url?.trim()
+  const url = slide.mobile.image_url.trim()
   if (!url) return
   const startPosition = bannerPreviewImages.value.indexOf(url)
   if (startPosition < 0) return
@@ -511,6 +519,16 @@ function openBannerPreview(slide: HomeBannerSlide) {
   bannerPreviewVisible.value = true
 }
 
+/** 热区/整图点击：配置跳转就跳，配了查看大图就看大图，都没配则退回查看大图。 */
+function handleBannerAction(slide: HomeBannerSlide, action: BannerAction) {
+  if (action.type === 'preview') {
+    openBannerPreview(slide)
+    return
+  }
+  if (runBannerAction(action)) return
+  openBannerPreview(slide)
+}
+
 function closeBannerPreview() {
   bannerPreviewVisible.value = false
 }
@@ -876,34 +894,41 @@ if (!restoreHomeConfigFromCache()) {
             <p class="dist-card-sub">{{ siteStore.storefrontText.card_sub }}</p>
           </div>
 
-          <!-- Banner 轮播 -->
+          <!-- Banner 轮播：统一按移动出图规范 750×375（2:1）等比展示 -->
           <van-swipe
             class="banner-swipe"
             :class="{
-              'is-poster': displayBanners.some(slide => slide.image_url && !hasBannerCopy(slide)),
+              'has-image': displayBanners.some(slide => hasBannerImage(slide.mobile)),
             }"
             :autoplay="3600"
             lazy-render
           >
-            <van-swipe-item v-for="slide in displayBanners" :key="slide.image_url || slide.title">
+            <van-swipe-item
+              v-for="slide in displayBanners"
+              :key="slide.mobile.image_url || slide.title"
+            >
               <div
                 class="mobile-banner"
                 :class="[
                   `tone-${slide.tone}`,
                   {
-                    'has-image': slide.image_url,
+                    'has-image': hasBannerImage(slide.mobile),
                     'has-copy': hasBannerCopy(slide),
-                    'is-poster': !!slide.image_url && !hasBannerCopy(slide),
-                    'is-previewable': !!slide.image_url,
+                    'is-poster': hasBannerImage(slide.mobile) && !hasBannerCopy(slide),
+                    'is-actionable':
+                      slide.mobile.action.type === 'route' || slide.mobile.action.type === 'link',
+                    'is-previewable': !(
+                      slide.mobile.action.type === 'route' || slide.mobile.action.type === 'link'
+                    ),
                   },
                 ]"
-                @click="openBannerPreview(slide)"
+                @click="handleBannerAction(slide, slide.mobile.action)"
               >
                 <img
-                  v-if="slide.image_url"
+                  v-if="hasBannerImage(slide.mobile)"
                   class="banner-image"
-                  :src="slide.image_url"
-                  :alt="slide.title || slide.eyebrow || '首页轮播图'"
+                  :src="slide.mobile.image_url"
+                  :alt="slide.mobile.alt || slide.title || slide.eyebrow || '首页轮播图'"
                 />
                 <div class="banner-copy">
                   <p v-if="slide.eyebrow">{{ slide.eyebrow }}</p>
@@ -911,6 +936,10 @@ if (!restoreHomeConfigFromCache()) {
                   <span v-if="slide.pill" class="banner-pill">{{ slide.pill }}</span>
                 </div>
                 <div v-if="slide.badge" class="banner-badge">{{ slide.badge }}</div>
+                <BannerHotspotLayer
+                  :visual="slide.mobile"
+                  @trigger="action => handleBannerAction(slide, action)"
+                />
               </div>
             </van-swipe-item>
           </van-swipe>
diff --git a/frontend/src/shared/utils/imageTransparency.spec.ts b/frontend/src/shared/utils/imageTransparency.spec.ts
new file mode 100644
index 0000000..8c241f2
--- /dev/null
+++ b/frontend/src/shared/utils/imageTransparency.spec.ts
@@ -0,0 +1,68 @@
+import { describe, expect, it } from 'vitest'
+import { analyzeImagePixels } from './imageTransparency'
+
+function buildPixels(
+  width: number,
+  height: number,
+  pick: (x: number, y: number) => [number, number, number, number]
+) {
+  const data = new Uint8ClampedArray(width * height * 4)
+  for (let y = 0; y < height; y += 1) {
+    for (let x = 0; x < width; x += 1) {
+      const offset = (y * width + x) * 4
+      const [r, g, b, a] = pick(x, y)
+      data[offset] = r
+      data[offset + 1] = g
+      data[offset + 2] = b
+      data[offset + 3] = a
+    }
+  }
+  return data
+}
+
+describe('analyzeImagePixels', () => {
+  it('带透明通道的按钮图判定为有透明区域', () => {
+    const probe = analyzeImagePixels(
+      buildPixels(10, 10, (x, y) => (x < 5 && y < 5 ? [0, 0, 0, 0] : [255, 106, 0, 255]))
+    )
+
+    expect(probe.hasTransparentPixels).toBe(true)
+    expect(probe.suspectedBakedBackdrop).toBe(false)
+  })
+
+  it('识别出「透明棋盘格被烘焙进图片」的浅灰白格纹', () => {
+    const probe = analyzeImagePixels(
+      buildPixels(20, 20, (x, y) => {
+        const light = (Math.floor(x / 5) + Math.floor(y / 5)) % 2 === 0
+        return light ? [255, 255, 255, 255] : [238, 238, 238, 255]
+      })
+    )
+
+    expect(probe.hasTransparentPixels).toBe(false)
+    expect(probe.suspectedBakedBackdrop).toBe(true)
+  })
+
+  it('纯白底的不透明图也能识别出来', () => {
+    const probe = analyzeImagePixels(buildPixels(8, 8, () => [255, 255, 255, 255]))
+
+    expect(probe.hasTransparentPixels).toBe(false)
+    expect(probe.suspectedBakedBackdrop).toBe(true)
+  })
+
+  it('彩色海报底图不会误判', () => {
+    const probe = analyzeImagePixels(
+      buildPixels(8, 8, (x, y) => [(x * 20) % 255, (y * 30) % 255, 180, 255])
+    )
+
+    expect(probe.hasTransparentPixels).toBe(false)
+    expect(probe.suspectedBakedBackdrop).toBe(false)
+  })
+
+  it('空数据安全返回', () => {
+    expect(analyzeImagePixels(new Uint8ClampedArray(0))).toEqual({
+      hasTransparentPixels: false,
+      transparentRatio: 0,
+      suspectedBakedBackdrop: false,
+    })
+  })
+})
diff --git a/frontend/src/shared/utils/imageTransparency.ts b/frontend/src/shared/utils/imageTransparency.ts
new file mode 100644
index 0000000..f906617
--- /dev/null
+++ b/frontend/src/shared/utils/imageTransparency.ts
@@ -0,0 +1,106 @@
+/**
+ * 图片透明区域探测：用于后台在上传「热区按钮图 / 海报底图」时提示
+ * 「这张图其实没有透明区域」——最常见的坑是把设计工具里带棋盘格的预览
+ * 截图/另存下来，棋盘格就成了真实像素，前台会照实显示。
+ */
+
+export interface ImageTransparencyProbe {
+  /** 是否存在透明像素（alpha < 250） */
+  hasTransparentPixels: boolean
+  /** 透明像素占比（0-1） */
+  transparentRatio: number
+  /** 不透明像素是否只有极少数浅灰/白颜色（棋盘格或纯色底烘焙进图片的典型特征） */
+  suspectedBakedBackdrop: boolean
+}
+
+const SAMPLE_MAX_SIDE = 160
+/** alpha 低于该值即视为透明像素 */
+const TRANSPARENT_ALPHA = 250
+/** 无明显透明像素的判定阈值（透明像素占比） */
+const NEGLIGIBLE_TRANSPARENT_RATIO = 0.002
+
+/** 纯像素分析（无 DOM 依赖，便于单测）。 */
+export function analyzeImagePixels(data: Uint8ClampedArray | number[]): ImageTransparencyProbe {
+  const total = Math.floor(data.length / 4)
+  if (total <= 0) {
+    return { hasTransparentPixels: false, transparentRatio: 0, suspectedBakedBackdrop: false }
+  }
+
+  let transparent = 0
+  let opaque = 0
+  let lightOnly = true
+  const colors = new Set<number>()
+
+  for (let index = 0; index < total; index += 1) {
+    const offset = index * 4
+    const r = data[offset] ?? 0
+    const g = data[offset + 1] ?? 0
+    const b = data[offset + 2] ?? 0
+    const a = data[offset + 3] ?? 0
+    if (a < TRANSPARENT_ALPHA) {
+      transparent += 1
+      continue
+    }
+    opaque += 1
+    const min = Math.min(r, g, b)
+    const max = Math.max(r, g, b)
+    if (min < 216 || max - min > 28) lightOnly = false
+    // 量化到 4bit/通道，避免抗锯齿噪点导致颜色数虚高
+    colors.add(((r >> 4) << 8) | ((g >> 4) << 4) | (b >> 4))
+  }
+
+  const transparentRatio = transparent / total
+  return {
+    hasTransparentPixels: transparentRatio > NEGLIGIBLE_TRANSPARENT_RATIO,
+    transparentRatio,
+    suspectedBakedBackdrop:
+      opaque > 0 &&
+      lightOnly &&
+      transparentRatio <= NEGLIGIBLE_TRANSPARENT_RATIO &&
+      colors.size <= 4,
+  }
+}
+
+/** 读取本地文件像素并分析；环境不支持时返回 null（不阻塞上传）。 */
+export async function probeImageTransparency(file: File): Promise<ImageTransparencyProbe | null> {
+  const source = await loadImageSource(file)
+  if (!source) return null
+  const width = Math.max(1, Math.round(source.width))
+  const height = Math.max(1, Math.round(source.height))
+  const scale = Math.min(1, SAMPLE_MAX_SIDE / Math.max(width, height))
+  const targetWidth = Math.max(1, Math.round(width * scale))
+  const targetHeight = Math.max(1, Math.round(height * scale))
+
+  const canvas = document.createElement('canvas')
+  canvas.width = targetWidth
+  canvas.height = targetHeight
+  const context = canvas.getContext('2d')
+  if (!context) return null
+  context.clearRect(0, 0, targetWidth, targetHeight)
+  context.drawImage(source as CanvasImageSource, 0, 0, targetWidth, targetHeight)
+  const imageData = context.getImageData(0, 0, targetWidth, targetHeight)
+  return analyzeImagePixels(imageData.data)
+}
+
+async function loadImageSource(file: File): Promise<ImageBitmap | HTMLImageElement | null> {
+  if (typeof createImageBitmap === 'function') {
+    try {
+      return await createImageBitmap(file)
+    } catch {
+      // 继续走 <img> 兜底
+    }
+  }
+  return await new Promise(resolve => {
+    const url = URL.createObjectURL(file)
+    const image = new Image()
+    image.onload = () => {
+      URL.revokeObjectURL(url)
+      resolve(image)
+    }
+    image.onerror = () => {
+      URL.revokeObjectURL(url)
+      resolve(null)
+    }
+    image.src = url
+  })
+}
diff --git a/frontend/src/shared/utils/imageUpload.spec.ts b/frontend/src/shared/utils/imageUpload.spec.ts
new file mode 100644
index 0000000..fbef8cd
--- /dev/null
+++ b/frontend/src/shared/utils/imageUpload.spec.ts
@@ -0,0 +1,32 @@
+import { describe, expect, it } from 'vitest'
+import { resolveUploadEncoding } from './imageUpload'
+
+describe('resolveUploadEncoding', () => {
+  it('带透明通道的图必须输出 PNG，避免透明区域被压成实色', () => {
+    const encoding = resolveUploadEncoding('home-banner', true)
+
+    expect(encoding.outputType).toBe('image/png')
+    expect(encoding.extension).toBe('png')
+    expect(encoding.maxSide).toBe(1920)
+    expect(encoding.quality).toBe(0.84)
+  })
+
+  it('不透明图继续用 WebP 压缩', () => {
+    const encoding = resolveUploadEncoding('home-banner', false)
+
+    expect(encoding.outputType).toBe('image/webp')
+    expect(encoding.extension).toBe('webp')
+  })
+
+  it('未登记的 scene 使用兜底参数', () => {
+    const encoding = resolveUploadEncoding('unknown-scene', false)
+
+    expect(encoding.maxSide).toBe(1600)
+    expect(encoding.quality).toBe(0.82)
+  })
+
+  it('头像等小尺寸场景保留各自的边长上限', () => {
+    expect(resolveUploadEncoding('avatar', false).maxSide).toBe(512)
+    expect(resolveUploadEncoding('qrcode', true).maxSide).toBe(2560)
+  })
+})
diff --git a/frontend/src/shared/utils/imageUpload.ts b/frontend/src/shared/utils/imageUpload.ts
index 478ffb6..ebd2872 100644
--- a/frontend/src/shared/utils/imageUpload.ts
+++ b/frontend/src/shared/utils/imageUpload.ts
@@ -1,3 +1,5 @@
+import { probeImageTransparency } from './imageTransparency'
+
 const IMAGE_UPLOAD_MAX_SIDE: Record<string, number> = {
   avatar: 512,
   chat: 1280,
@@ -26,15 +28,41 @@ const IMAGE_UPLOAD_QUALITY: Record<string, number> = {
   qrcode: 0.95,
 }
 
+export interface UploadEncoding {
+  maxSide: number
+  quality: number
+  outputType: 'image/webp' | 'image/png'
+  extension: 'webp' | 'png'
+}
+
+/**
+ * 决定上传前的压缩参数。
+ *
+ * 关键点：带透明通道的图（例如热区透明按钮图、透明 Logo）必须输出 PNG，
+ * 否则压缩过程会把透明区域压成实色（历史上就是先铺白底再编码，导致透明按钮图变白底方块）。
+ */
+export function resolveUploadEncoding(scene: string, preserveAlpha: boolean): UploadEncoding {
+  const maxSide = IMAGE_UPLOAD_MAX_SIDE[scene] ?? 1600
+  const quality = IMAGE_UPLOAD_QUALITY[scene] ?? 0.82
+  return {
+    maxSide,
+    quality,
+    outputType: preserveAlpha ? 'image/png' : 'image/webp',
+    extension: preserveAlpha ? 'png' : 'webp',
+  }
+}
+
 export async function optimizeImageForUpload(file: File, scene: string) {
   if (!file.type.startsWith('image/')) return file
   if (!['image/jpeg', 'image/png', 'image/webp'].includes(file.type)) return file
   if (typeof document === 'undefined') return file
 
-  const maxSide = IMAGE_UPLOAD_MAX_SIDE[scene] ?? 1600
-  const quality = IMAGE_UPLOAD_QUALITY[scene] ?? 0.82
-
   try {
+    // 先判断原图是否真的有透明像素：有则全程保留 alpha
+    const probe = await probeImageTransparency(file)
+    const preserveAlpha = Boolean(probe?.hasTransparentPixels)
+    const { maxSide, quality, outputType, extension } = resolveUploadEncoding(scene, preserveAlpha)
+
     const image = await loadImage(file)
     const { width, height } = fitSize(image.naturalWidth, image.naturalHeight, maxSide)
     const canvas = document.createElement('canvas')
@@ -42,13 +70,13 @@ export async function optimizeImageForUpload(file: File, scene: string) {
     canvas.height = height
     const context = canvas.getContext('2d')
     if (!context) return file
-    context.fillStyle = '#ffffff'
-    context.fillRect(0, 0, width, height)
+    // 不铺白底：canvas 本身保留透明，输出 PNG / WebP 都能带 alpha
+    context.clearRect(0, 0, width, height)
     context.drawImage(image, 0, 0, width, height)
-    const blob = await canvasToBlob(canvas, 'image/webp', quality)
+    const blob = await canvasToBlob(canvas, outputType, quality)
     if (!blob || blob.size >= file.size) return file
-    return new File([blob], replaceFileExt(file.name, 'webp'), {
-      type: 'image/webp',
+    return new File([blob], replaceFileExt(file.name, extension), {
+      type: outputType,
       lastModified: Date.now(),
     })
   } catch {
diff --git a/frontend/src/stores/distributionHomeBanner.spec.ts b/frontend/src/stores/distributionHomeBanner.spec.ts
index 0272341..a0f75f5 100644
--- a/frontend/src/stores/distributionHomeBanner.spec.ts
+++ b/frontend/src/stores/distributionHomeBanner.spec.ts
@@ -17,9 +17,45 @@ describe('mapDistributionHomeBanners', () => {
       [{ image_url: 'https://cdn.example/poster.webp', title: '海报标题' }],
       '天域商行'
     )
-    expect(slide?.image_url).toBe('https://cdn.example/poster.webp')
+    expect(slide?.pc.image_url).toBe('https://cdn.example/poster.webp')
+    expect(slide?.mobile.image_url).toBe('https://cdn.example/poster.webp')
     expect(slide?.title).toBe('')
     expect(slide?.eyebrow).toBe('')
     expect(slide?.pill).toBe('')
   })
+
+  it('falls back to the copy card when the banner has no image', () => {
+    const [slide] = mapDistributionHomeBanners([{ image_url: '', title: '精选账号' }], '天域商行')
+    expect(slide?.pc.image_url).toBe('')
+    expect(slide?.title).toBe('精选账号')
+    expect(slide?.eyebrow).toBe('天域商行')
+  })
+
+  it('turns link_url into a clickable banner action', () => {
+    const [external] = mapDistributionHomeBanners(
+      [{ image_url: '/poster.png', link_url: 'https://cdn.example/act' }],
+      '天域商行'
+    )
+    expect(external?.pc.action).toEqual({
+      type: 'link',
+      target: 'https://cdn.example/act',
+      open_new_tab: true,
+    })
+
+    const [internal] = mapDistributionHomeBanners(
+      [{ image_url: '/poster.png', link_url: '/m/announcements' }],
+      '天域商行'
+    )
+    expect(internal?.pc.action).toEqual({
+      type: 'route',
+      target: '/m/announcements',
+      open_new_tab: false,
+    })
+  })
+
+  it('keeps banners clickable for preview when no link is configured', () => {
+    const [slide] = mapDistributionHomeBanners([{ image_url: '/poster.png' }], '天域商行')
+    expect(slide?.pc.action.type).toBe('none')
+    expect(slide?.pc.hotspots).toEqual([])
+  })
 })
diff --git a/frontend/src/stores/distributionSite.ts b/frontend/src/stores/distributionSite.ts
index 6acec58..258f797 100644
--- a/frontend/src/stores/distributionSite.ts
+++ b/frontend/src/stores/distributionSite.ts
@@ -7,6 +7,13 @@ import {
   mergeStorefrontText,
   type StorefrontText,
 } from '@/shared/utils/storefrontText'
+import {
+  createEmptyBannerAction,
+  createEmptyBannerVisual,
+  type BannerAction,
+  type BannerVisual,
+  type HomeBannerSlide,
+} from '@/features/listings/api/homeConfig'
 
 export interface DistributionBanner {
   image_url: string
@@ -14,13 +21,36 @@ export interface DistributionBanner {
   title?: string
 }
 
-export interface DistributionHomeBanner {
-  eyebrow: string
-  title: string
-  badge: string
-  pill: string
-  tone: string
-  image_url?: string
+/** 分站首页轮播：有图时不再叠标题，避免整幅压暗。 */
+export function mapDistributionHomeBanners(
+  banners: DistributionBanner[],
+  siteName: string
+): HomeBannerSlide[] {
+  return banners.map(banner => {
+    const imageUrl = banner.image_url?.trim() || ''
+    const action = resolveDistributionBannerAction(banner.link_url)
+    const visual: BannerVisual = { ...createEmptyBannerVisual(), image_url: imageUrl, action }
+    return {
+      eyebrow: imageUrl ? '' : siteName,
+      title: imageUrl ? '' : banner.title?.trim() || '精选游戏账号 · 随租随玩',
+      badge: '本店精选',
+      pill: imageUrl ? '' : '官方保障',
+      tone: 'gold',
+      enabled: true,
+      // 分站装修只配一张图，两端共用，避免移动端丢图
+      pc: { ...visual, hotspots: [] },
+      mobile: { ...visual, hotspots: [] },
+    }
+  })
+}
+
+/** 分站轮播的 link_url：绝对地址走外链新窗口，站内路径走路由。 */
+function resolveDistributionBannerAction(linkUrl?: string): BannerAction {
+  const target = linkUrl?.trim() || ''
+  if (!target) return createEmptyBannerAction()
+  if (/^https?:\/\//i.test(target)) return { type: 'link', target, open_new_tab: true }
+  if (target.startsWith('/')) return { type: 'route', target, open_new_tab: false }
+  return createEmptyBannerAction()
 }
 
 /** 分站首页主标题：站名与主站联名。主站或站名已含主站名时保持原样。 */
@@ -31,33 +61,6 @@ export function formatDistributionCoBrandName(siteName: string, isDistribution:
   return `${name}×大锤商行`
 }
 
-/** 分站首页轮播：有图时不再叠标题，避免整幅压暗。 */
-export function mapDistributionHomeBanners(
-  banners: DistributionBanner[],
-  siteName: string
-): DistributionHomeBanner[] {
-  return banners.map(banner => {
-    const imageUrl = banner.image_url?.trim() || ''
-    if (imageUrl) {
-      return {
-        eyebrow: '',
-        title: '',
-        badge: '本店精选',
-        pill: '',
-        tone: 'gold',
-        image_url: imageUrl,
-      }
-    }
-    return {
-      eyebrow: siteName,
-      title: banner.title?.trim() || '精选游戏账号 · 随租随玩',
-      badge: '本店精选',
-      pill: '官方保障',
-      tone: 'gold',
-    }
-  })
-}
-
 export interface DistributionFooterInfo {
   icp?: string
   copyright?: string