diff --git a/server/initDemoUsers.js b/server/initDemoUsers.js
new file mode 100644
index 0000000..a153ffe
--- /dev/null
+++ b/server/initDemoUsers.js
@@ -0,0 +1,81 @@
+/**
+ * 初始化小程序演示账号
+ * 用法: node server/initDemoUsers.js
+ */
+require('dotenv').config();
+const mongoose = require('mongoose');
+const Store = require('./models/Store');
+const StoreAuth = require('./models/StoreAuth');
+const Rider = require('./models/Rider');
+const { hashPassword } = require('./utils/password');
+
+async function init() {
+  await mongoose.connect(process.env.MONGODB_URI || 'mongodb://localhost:27017/e-scooter-rental');
+  console.log('🔄 连接 MongoDB...\n');
+
+  // ===== 1. 门店演示账号 =====
+  console.log('--- 门店演示账号 ---');
+  const storeDemo = await StoreAuth.findOne({ username: 'store_demo' });
+  if (storeDemo) {
+    console.log('⚠️  门店演示账号已存在: store_demo / demo123');
+  } else {
+    // 确保有门店可关联
+    let store = await Store.findOne({ approvalStatus: '已通过' });
+    if (!store) store = await Store.findOne();
+    if (!store) {
+      // 没有门店，先创建一个
+      store = await Store.create({
+        storeId: 'STORE_DEMO',
+        name: '演示门店',
+        address: '演示地址',
+        phone: '13800138000',
+        manager: '演示管理员',
+        status: '营业中',
+        approvalStatus: '已通过'
+      });
+      console.log('✅ 创建演示门店: STORE_DEMO');
+    }
+
+    const hashed = await hashPassword('demo123');
+    await StoreAuth.create({
+      storeId: store.storeId,
+      username: 'store_demo',
+      password: hashed,
+      name: '门店演示账号',
+      status: 'active'
+    });
+    console.log('✅ 门店演示账号创建成功!');
+  }
+  console.log('   用户名: store_demo');
+  console.log('   密码:   demo123');
+  console.log('');
+
+  // ===== 2. 骑手演示账号 =====
+  console.log('--- 骑手演示账号 ---');
+  const riderDemo = await Rider.findOne({ phone: '13800138100' });
+  if (riderDemo) {
+    console.log('⚠️  骑手演示账号已存在: 13800138100 / demo123');
+  } else {
+    const hashed = await hashPassword('demo123');
+    await Rider.create({
+      riderId: 'RIDER_DEMO',
+      name: '骑手演示账号',
+      phone: '13800138100',
+      password: hashed,
+      role: 'rider',
+      status: 'active',
+      rating: 5.0,
+      totalOrders: 0,
+      totalIncome: 0
+    });
+    console.log('✅ 骑手演示账号创建成功!');
+  }
+  console.log('   手机号: 13800138100');
+  console.log('   密码:   demo123');
+  console.log('');
+
+  console.log('🎉 演示账号初始化完成!');
+  await mongoose.disconnect();
+}
+
+init().catch(err => { console.error(err); process.exit(1); });