diff --git a/app.py b/app.py
index 575047b..444249b 100644
--- a/app.py
+++ b/app.py
@@ -307,13 +307,19 @@ def _handle_wechat_settings(*, send_test: bool = False) -> None:
 def settings_page():
     if request.method == "POST":
         action = (request.form.get("form_action") or "account").strip()
+        return_tab = (request.form.get("return_tab") or "").strip()
         if action == "wechat":
             _handle_wechat_settings(send_test=False)
+            return_tab = return_tab or "wechat"
         elif action == "wechat_test":
             _handle_wechat_settings(send_test=True)
+            return_tab = return_tab or "wechat"
         else:
             _handle_account_settings()
-        return redirect(url_for("settings_page"))
+            return_tab = return_tab or "account"
+        if return_tab not in ("account", "wechat", "backup"):
+            return_tab = "account"
+        return redirect(url_for("settings_page", tab=return_tab))
 
     return render_template(
         "settings.html",
diff --git a/static/hub.css b/static/hub.css
index a014bf3..fba33ae 100644
--- a/static/hub.css
+++ b/static/hub.css
@@ -586,6 +586,68 @@ button, .btn {
   font-weight: 600;
 }
 .settings-lead { margin: 6px 0 0; max-width: 520px; line-height: 1.45; }
+.settings-shell {
+  max-width: 920px;
+  margin: 0;
+  padding: 0;
+  overflow: hidden;
+  background:
+    linear-gradient(165deg, rgba(20, 36, 58, 0.92), rgba(10, 16, 28, 0.96));
+  border: 1px solid var(--line-strong);
+  box-shadow: var(--shadow), inset 0 1px 0 rgba(255, 255, 255, 0.04);
+}
+.settings-tab-radio {
+  position: absolute;
+  opacity: 0;
+  pointer-events: none;
+  width: 0;
+  height: 0;
+}
+.settings-tabs {
+  display: flex;
+  flex-wrap: wrap;
+  gap: 6px;
+  padding: 14px 16px 0;
+  border-bottom: 1px solid rgba(56, 189, 248, 0.14);
+  background: rgba(5, 12, 22, 0.35);
+}
+.settings-tab-btn {
+  display: inline-flex;
+  align-items: center;
+  padding: 9px 14px;
+  border-radius: 10px 10px 0 0;
+  border: 1px solid transparent;
+  border-bottom: 0;
+  color: var(--muted);
+  font-size: 0.88rem;
+  font-weight: 550;
+  cursor: pointer;
+  user-select: none;
+  transition: color 0.15s ease, background 0.15s ease, border-color 0.15s ease;
+}
+.settings-tab-btn:hover {
+  color: var(--text);
+  background: rgba(56, 189, 248, 0.08);
+}
+#hub-set-account:checked ~ .settings-tabs label[for="hub-set-account"],
+#hub-set-wechat:checked ~ .settings-tabs label[for="hub-set-wechat"],
+#hub-set-backup:checked ~ .settings-tabs label[for="hub-set-backup"] {
+  color: var(--text);
+  background: rgba(34, 211, 238, 0.12);
+  border-color: rgba(56, 189, 248, 0.35);
+  box-shadow: inset 0 -2px 0 var(--accent);
+}
+.settings-panels {
+  padding: 0;
+}
+.settings-panel {
+  display: none;
+}
+#hub-set-account:checked ~ .settings-panels .settings-panel--account,
+#hub-set-wechat:checked ~ .settings-panels .settings-panel--wechat,
+#hub-set-backup:checked ~ .settings-panels .settings-panel--backup {
+  display: block;
+}
 .settings-grid {
   display: grid;
   grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
@@ -604,10 +666,47 @@ button, .btn {
   box-shadow: var(--shadow), inset 0 1px 0 rgba(255, 255, 255, 0.04);
 }
 .settings-card-head {
-  padding: 18px 20px 14px;
+  padding: 20px 22px 16px;
   border-bottom: 1px solid rgba(56, 189, 248, 0.12);
   background: linear-gradient(180deg, rgba(34, 211, 238, 0.06), transparent);
 }
+.settings-backup-body {
+  padding: 18px 22px 22px;
+  display: flex;
+  flex-direction: column;
+  gap: 20px;
+}
+.backup-block {
+  padding: 16px 16px 12px;
+  border: 1px solid rgba(56, 189, 248, 0.14);
+  border-radius: 12px;
+  background: rgba(5, 12, 22, 0.4);
+}
+.backup-block-head h3 {
+  margin: 0 0 6px;
+  font-size: 1rem;
+  font-weight: 600;
+}
+.settings-panel--account .settings-form,
+.settings-panel--wechat .settings-form {
+  max-width: 560px;
+}
+.backup-block-head .field-hint {
+  margin: 0 0 12px;
+}
+.settings-field--inline {
+  margin: 0;
+  min-width: 12rem;
+}
+.settings-field--inline select {
+  margin-top: 6px;
+  min-width: 12rem;
+  padding: 9px 10px;
+  border-radius: 10px;
+  border: 1px solid var(--line);
+  background: rgba(5, 10, 18, 0.85);
+  color: var(--text);
+}
 .settings-card-head h2 {
   margin: 8px 0 6px;
   font-family: var(--font-display);
@@ -777,10 +876,6 @@ button, .btn {
   gap: 10px;
   margin-top: 2px;
 }
-.backup-block-head h3 {
-  margin: 0 0 4px;
-  font-size: 1rem;
-}
 .backup-table {
   width: 100%;
   border-collapse: collapse;
diff --git a/templates/base.html b/templates/base.html
index 32bec2f..343b1ff 100644
--- a/templates/base.html
+++ b/templates/base.html
@@ -4,7 +4,7 @@
   <meta charset="utf-8">
   <meta name="viewport" content="width=device-width, initial-scale=1">
   <title>{% block title %}期权中控{% endblock %}</title>
-  <link rel="stylesheet" href="{{ url_for('static', filename='hub.css') }}?v=5">
+  <link rel="stylesheet" href="{{ url_for('static', filename='hub.css') }}?v=6">
 </head>
 <body class="{% if request.path.startswith('/login') %}page-login{% elif request.path.startswith('/desk') %}page-desk{% elif request.path.startswith('/stats') %}page-stats{% elif request.path == '/' %}page-dashboard{% endif %}">
   {% if session.get('logged_in') %}
diff --git a/templates/settings.html b/templates/settings.html
index e6463f2..b42fcb8 100644
--- a/templates/settings.html
+++ b/templates/settings.html
@@ -1,129 +1,147 @@
 {% extends "base.html" %}
 {% block title %}系统设置 · 期权中控{% endblock %}
 {% block body %}
+{% set _tab = (request.args.get('tab') or 'account').strip() %}
+{% if _tab not in ('account', 'wechat', 'backup') %}{% set _tab = 'account' %}{% endif %}
 <section class="page-head settings-head">
   <div>
     <p class="settings-eyebrow">Hub Settings</p>
     <h1>系统设置</h1>
-    <p class="muted settings-lead">账号与中控告警在此维护,保存后立即生效。</p>
+    <p class="muted settings-lead">账号、告警与备份在此维护；保存后立即生效。</p>
   </div>
 </section>
 
-<div class="settings-grid">
-  <section class="panel settings-card settings-card--account">
-    <div class="settings-card-head">
-      <span class="settings-badge">Account</span>
-      <h2>登录账号</h2>
-      <p class="muted">修改后立即写入 <code>.env</code>,无需重启。</p>
-    </div>
-    <form method="post" class="stack settings-form" autocomplete="off" data-lpignore="true" data-1p-ignore="true">
-      <input type="hidden" name="form_action" value="account">
-      <div class="settings-field">
-        <span class="settings-label">当前用户名</span>
-        <div class="settings-readonly">{{ current_username }}</div>
-      </div>
-      <label class="settings-field">当前密码
-        <input type="password" name="current_password" required autocomplete="new-password" placeholder="验证身份后才能保存">
-      </label>
-      <div class="settings-divider"></div>
-      <label class="settings-field">新用户名
-        <input type="text" name="new_username" value="{{ current_username }}" required autocomplete="off" minlength="2" maxlength="64">
-      </label>
-      <div class="settings-row-2">
-        <label class="settings-field">新密码
-          <input type="password" name="new_password" autocomplete="new-password" minlength="6" placeholder="至少 6 位,不改可留空">
-        </label>
-        <label class="settings-field">确认新密码
-          <input type="password" name="confirm_password" autocomplete="new-password" minlength="6" placeholder="再次输入">
-        </label>
-      </div>
-      <button type="submit" class="settings-primary">保存账号</button>
-    </form>
-  </section>
+<div class="settings-shell panel">
+  <input type="radio" name="hub-settings-tab" id="hub-set-account" class="settings-tab-radio"{% if _tab == 'account' %} checked{% endif %}>
+  <input type="radio" name="hub-settings-tab" id="hub-set-wechat" class="settings-tab-radio"{% if _tab == 'wechat' %} checked{% endif %}>
+  <input type="radio" name="hub-settings-tab" id="hub-set-backup" class="settings-tab-radio"{% if _tab == 'backup' %} checked{% endif %}>
 
-  <section class="panel settings-card settings-card--wechat">
-    <div class="settings-card-head">
-      <span class="settings-badge settings-badge--alert">Notify</span>
-      <h2>企业微信告警</h2>
-      <p class="muted">中控专用:客户端离线 / 故障 / 恢复时推送,与交易机通知分开。</p>
-    </div>
-    <form method="post" class="stack settings-form" autocomplete="off">
-      <label class="settings-switch">
-        <input type="checkbox" name="wechat_enabled" value="1"{% if wechat.enabled %} checked{% endif %}>
-        <span class="settings-switch-ui" aria-hidden="true"></span>
-        <span class="settings-switch-text">
-          <strong>启用企业微信推送</strong>
-          <small>关闭后后台仍巡检,但不发消息</small>
-        </span>
-      </label>
-      <div class="settings-row-2">
-        <label class="settings-field">告警冷却(秒)
-          <input type="number" name="alert_cooldown_sec" value="{{ wechat.cooldown_sec }}" min="60" max="86400" step="1">
-        </label>
-        <label class="settings-field">连续失败阈值
-          <input type="number" name="health_fail_threshold" value="{{ wechat.fail_threshold }}" min="1" max="20" step="1">
-        </label>
-      </div>
-      <p class="field-hint settings-hint">连续拉取失败达到阈值后才告警,默认 2 次;同一机器在冷却期内不重复推送。</p>
-      <label class="settings-field">Webhook 地址
-        <input type="url" name="wechat_webhook" value="{{ wechat.webhook }}" placeholder="https://qyapi.weixin.qq.com/cgi-bin/webhook/send?key=..." autocomplete="off">
-      </label>
-      <div class="settings-actions">
-        <button type="submit" name="form_action" value="wechat" class="settings-primary">保存告警配置</button>
-        <button type="submit" name="form_action" value="wechat_test" class="btn-secondary">发送测试消息</button>
-      </div>
-    </form>
-  </section>
+  <div class="settings-tabs" role="tablist" aria-label="系统设置分类">
+    <label for="hub-set-account" class="settings-tab-btn" role="tab">登录账号</label>
+    <label for="hub-set-wechat" class="settings-tab-btn" role="tab">企业微信</label>
+    <label for="hub-set-backup" class="settings-tab-btn" role="tab">备份恢复</label>
+  </div>
 
-  <section class="panel settings-card settings-card--backup" style="grid-column:1/-1">
-    <div class="settings-card-head">
-      <span class="settings-badge">Backup</span>
-      <h2>备份恢复</h2>
-      <p class="muted">每天北京时间 03:00 自动备份,保留最近 10 天。中控可下载本机与各客户端备份;客户端仅能下载自己的。</p>
-    </div>
-
-    <div class="backup-block">
-      <div class="backup-block-head">
-        <h3>中控备份</h3>
-        <p class="muted field-hint">目录 <code id="hub-backup-dir">/root/crypto_okx_hub_backups</code> · 含 <code>.env</code> 与 <code>hub.db</code></p>
-        <div class="settings-actions">
-          <button type="button" class="settings-primary" id="hub-backup-create">立即备份</button>
-          <button type="button" class="btn-secondary" id="hub-backup-refresh">刷新</button>
-          <span class="muted" id="hub-backup-status" style="font-size:.8rem"></span>
+  <div class="settings-panels">
+    <section class="settings-panel settings-panel--account" role="tabpanel">
+      <div class="settings-card-head">
+        <span class="settings-badge">Account</span>
+        <h2>登录账号</h2>
+        <p class="muted">修改后立即写入 <code>.env</code>,无需重启。</p>
+      </div>
+      <form method="post" class="stack settings-form" autocomplete="off" data-lpignore="true" data-1p-ignore="true">
+        <input type="hidden" name="form_action" value="account">
+        <input type="hidden" name="return_tab" value="account">
+        <div class="settings-field">
+          <span class="settings-label">当前用户名</span>
+          <div class="settings-readonly">{{ current_username }}</div>
         </div>
-      </div>
-      <div class="table-wrap">
-        <table class="backup-table">
-          <thead><tr><th>文件</th><th>时间</th><th>大小</th><th>操作</th></tr></thead>
-          <tbody id="hub-backup-body"><tr><td colspan="4" class="muted">加载中…</td></tr></tbody>
-        </table>
-      </div>
-    </div>
-
-    <div class="backup-block" style="margin-top:18px">
-      <div class="backup-block-head">
-        <h3>客户端备份</h3>
-        <p class="muted field-hint">经 Bridge 拉取各机备份列表,可下载到本地</p>
-        <div class="settings-actions">
-          <label class="settings-field" style="margin:0;min-width:12rem">
-            客户端
-            <select id="client-backup-instance"></select>
+        <label class="settings-field">当前密码
+          <input type="password" name="current_password" required autocomplete="new-password" placeholder="验证身份后才能保存">
+        </label>
+        <div class="settings-divider"></div>
+        <label class="settings-field">新用户名
+          <input type="text" name="new_username" value="{{ current_username }}" required autocomplete="off" minlength="2" maxlength="64">
+        </label>
+        <div class="settings-row-2">
+          <label class="settings-field">新密码
+            <input type="password" name="new_password" autocomplete="new-password" minlength="6" placeholder="至少 6 位,不改可留空">
           </label>
-          <button type="button" class="btn-secondary" id="client-backup-refresh">刷新</button>
-          <span class="muted" id="client-backup-status" style="font-size:.8rem"></span>
+          <label class="settings-field">确认新密码
+            <input type="password" name="confirm_password" autocomplete="new-password" minlength="6" placeholder="再次输入">
+          </label>
+        </div>
+        <button type="submit" class="settings-primary">保存账号</button>
+      </form>
+    </section>
+
+    <section class="settings-panel settings-panel--wechat" role="tabpanel">
+      <div class="settings-card-head">
+        <span class="settings-badge settings-badge--alert">Notify</span>
+        <h2>企业微信告警</h2>
+        <p class="muted">中控专用:客户端离线 / 故障 / 恢复时推送,与交易机通知分开。</p>
+      </div>
+      <form method="post" class="stack settings-form" autocomplete="off">
+        <input type="hidden" name="return_tab" value="wechat">
+        <label class="settings-switch">
+          <input type="checkbox" name="wechat_enabled" value="1"{% if wechat.enabled %} checked{% endif %}>
+          <span class="settings-switch-ui" aria-hidden="true"></span>
+          <span class="settings-switch-text">
+            <strong>启用企业微信推送</strong>
+            <small>关闭后后台仍巡检,但不发消息</small>
+          </span>
+        </label>
+        <div class="settings-row-2">
+          <label class="settings-field">告警冷却(秒)
+            <input type="number" name="alert_cooldown_sec" value="{{ wechat.cooldown_sec }}" min="60" max="86400" step="1">
+          </label>
+          <label class="settings-field">连续失败阈值
+            <input type="number" name="health_fail_threshold" value="{{ wechat.fail_threshold }}" min="1" max="20" step="1">
+          </label>
+        </div>
+        <p class="field-hint settings-hint">连续拉取失败达到阈值后才告警,默认 2 次;同一机器在冷却期内不重复推送。</p>
+        <label class="settings-field">Webhook 地址
+          <input type="url" name="wechat_webhook" value="{{ wechat.webhook }}" placeholder="https://qyapi.weixin.qq.com/cgi-bin/webhook/send?key=..." autocomplete="off">
+        </label>
+        <div class="settings-actions">
+          <button type="submit" name="form_action" value="wechat" class="settings-primary">保存告警配置</button>
+          <button type="submit" name="form_action" value="wechat_test" class="btn-secondary">发送测试消息</button>
+        </div>
+      </form>
+    </section>
+
+    <section class="settings-panel settings-panel--backup" role="tabpanel">
+      <div class="settings-card-head">
+        <span class="settings-badge">Backup</span>
+        <h2>备份恢复</h2>
+        <p class="muted">每天北京时间 03:00 自动备份,保留最近 10 天。中控可下载本机与各客户端备份;客户端仅能下载自己的。</p>
+      </div>
+
+      <div class="settings-backup-body">
+        <div class="backup-block">
+          <div class="backup-block-head">
+            <h3>中控备份</h3>
+            <p class="muted field-hint">目录 <code id="hub-backup-dir">/root/crypto_okx_hub_backups</code> · 含 <code>.env</code> 与 <code>hub.db</code></p>
+            <div class="settings-actions">
+              <button type="button" class="settings-primary" id="hub-backup-create">立即备份</button>
+              <button type="button" class="btn-secondary" id="hub-backup-refresh">刷新</button>
+              <span class="muted" id="hub-backup-status" style="font-size:.8rem"></span>
+            </div>
+          </div>
+          <div class="table-wrap">
+            <table class="backup-table">
+              <thead><tr><th>文件</th><th>时间</th><th>大小</th><th>操作</th></tr></thead>
+              <tbody id="hub-backup-body"><tr><td colspan="4" class="muted">加载中…</td></tr></tbody>
+            </table>
+          </div>
+        </div>
+
+        <div class="backup-block">
+          <div class="backup-block-head">
+            <h3>客户端备份</h3>
+            <p class="muted field-hint">经 Bridge 拉取各机备份列表,可下载到本地</p>
+            <div class="settings-actions">
+              <label class="settings-field settings-field--inline">
+                客户端
+                <select id="client-backup-instance"></select>
+              </label>
+              <button type="button" class="btn-secondary" id="client-backup-refresh">刷新</button>
+              <span class="muted" id="client-backup-status" style="font-size:.8rem"></span>
+            </div>
+          </div>
+          <div class="table-wrap">
+            <table class="backup-table">
+              <thead><tr><th>文件</th><th>时间</th><th>大小</th><th>操作</th></tr></thead>
+              <tbody id="client-backup-body"><tr><td colspan="4" class="muted">请选择客户端</td></tr></tbody>
+            </table>
+          </div>
         </div>
       </div>
-      <div class="table-wrap">
-        <table class="backup-table">
-          <thead><tr><th>文件</th><th>时间</th><th>大小</th><th>操作</th></tr></thead>
-          <tbody id="client-backup-body"><tr><td colspan="4" class="muted">请选择客户端</td></tr></tbody>
-        </table>
-      </div>
-    </div>
-  </section>
+    </section>
+  </div>
 </div>
 {% endblock %}
 {% block scripts %}
-<script src="{{ url_for('static', filename='settings_backup.js') }}?v=1"></script>
+<script src="{{ url_for('static', filename='settings_backup.js') }}?v=2"></script>
 <script>HubSettingsBackup.boot();</script>
 {% endblock %}