diff --git a/account/scripts/setup_postgres_local.sh b/account/scripts/setup_postgres_local.sh
new file mode 100644
index 0000000..97eb7b6
--- /dev/null
+++ b/account/scripts/setup_postgres_local.sh
@@ -0,0 +1,90 @@
+#!/usr/bin/env bash
+#
+# ============================================
+# 🧱 setup_postgres_local.sh
+# 初始化本地 PostgreSQL 数据库 (开发环境)
+# --------------------------------------------
+# 支持 Ubuntu / macOS
+# 创建用户 + 数据库 + 导入 schema
+# ============================================
+set -euo pipefail
+
+# -----------------------------------------------------------------------------
+# 配置参数（可通过环境变量覆盖）
+# -----------------------------------------------------------------------------
+DB_NAME="${DB_NAME:-account}"
+DB_USER="${DB_USER:-shenlan}"
+DB_PASS="${DB_PASS:-password}"
+DB_PORT="${DB_PORT:-5432}"
+DB_HOST="${DB_HOST:-127.0.0.1}"
+SCHEMA_FILE="${SCHEMA_FILE:-./sql/schema.sql}"
+
+PG_SERVICE_NAME="${PG_SERVICE_NAME:-postgresql}"
+OS=$(uname -s)
+
+# -----------------------------------------------------------------------------
+# 通用函数
+# -----------------------------------------------------------------------------
+log() { echo -e "[$(date '+%H:%M:%S')] $*"; }
+
+require_postgres() {
+  if ! command -v psql >/dev/null; then
+    log "⚠️ 未检测到 psql，开始安装 PostgreSQL..."
+    if [[ "$OS" == "Darwin" ]]; then
+      brew install postgresql@16 || brew install postgresql
+    else
+      sudo apt-get update -y
+      sudo apt-get install -y postgresql postgresql-contrib
+    fi
+  else
+    log "✅ psql 已存在"
+  fi
+}
+
+start_postgres() {
+  if [[ "$OS" == "Darwin" ]]; then
+    brew services start postgresql@16 || brew services start postgresql || true
+  else
+    sudo systemctl enable --now "${PG_SERVICE_NAME}" || true
+  fi
+}
+
+create_user_and_db() {
+  log "🧩 检查并创建数据库用户 ${DB_USER}"
+  if ! sudo -u postgres psql -tAc "SELECT 1 FROM pg_roles WHERE rolname='${DB_USER}'" | grep -q 1; then
+    sudo -u postgres psql -c "CREATE ROLE ${DB_USER} LOGIN PASSWORD '${DB_PASS}';"
+  else
+    log "✅ 用户 ${DB_USER} 已存在"
+  fi
+
+  log "🧩 检查并创建数据库 ${DB_NAME}"
+  if ! sudo -u postgres psql -tAc "SELECT 1 FROM pg_database WHERE datname='${DB_NAME}'" | grep -q 1; then
+    sudo -u postgres createdb -O "${DB_USER}" "${DB_NAME}"
+  else
+    log "✅ 数据库 ${DB_NAME} 已存在"
+  fi
+
+  log "🔑 授权 ${DB_USER} 对数据库 ${DB_NAME} 拥有全部权限"
+  sudo -u postgres psql -d "${DB_NAME}" -c "GRANT ALL PRIVILEGES ON DATABASE ${DB_NAME} TO ${DB_USER};" >/dev/null || true
+}
+
+import_schema() {
+  if [[ -f "${SCHEMA_FILE}" ]]; then
+    log "📦 导入 schema 文件: ${SCHEMA_FILE}"
+    PGPASSWORD="${DB_PASS}" psql "postgres://${DB_USER}:${DB_PASS}@${DB_HOST}:${DB_PORT}/${DB_NAME}?sslmode=disable" \
+      -v ON_ERROR_STOP=1 -f "${SCHEMA_FILE}"
+    log "✅ schema 导入成功"
+  else
+    log "⚠️ 未找到 schema 文件: ${SCHEMA_FILE}，跳过导入"
+  fi
+}
+
+# -----------------------------------------------------------------------------
+# 主流程
+# -----------------------------------------------------------------------------
+log "🚀 开始初始化 PostgreSQL 本地数据库"
+require_postgres
+start_postgres
+create_user_and_db
+import_schema
+log "🎉 PostgreSQL 本地数据库初始化完成"