diff --git a/src/dealer/index.tsx b/src/dealer/index.tsx
index bdf8b3e..64b67a7 100644
--- a/src/dealer/index.tsx
+++ b/src/dealer/index.tsx
@@ -129,7 +129,7 @@ const DealerIndex: React.FC = () => {
         {dealerUser && (
           <View className="mx-4 -mt-6 rounded-xl p-4 relative z-10" style={cardGradients.elevated}>
             <View className="mb-4">
-              <Text className="font-semibold text-gray-800">佣金统计</Text>
+              <Text className="font-semibold text-gray-800">资金统计</Text>
             </View>
             <View className="grid grid-cols-3 gap-3">
               <View className="text-center p-3 rounded-lg flex flex-col" style={{
@@ -217,7 +217,7 @@ const DealerIndex: React.FC = () => {
                 </View>
               </Grid.Item>
 
-              <Grid.Item text={'提现申请'} onClick={() => navigateToPage('/dealer/withdraw/index')}>
+              <Grid.Item text={'申请提现'} onClick={() => navigateToPage('/dealer/withdraw/index')}>
                 <View className="text-center">
                   <View className="w-12 h-12 bg-green-50 rounded-xl flex items-center justify-center mx-auto mb-2">
                     <Purse color="#10b981" size="20"/>
@@ -225,7 +225,7 @@ const DealerIndex: React.FC = () => {
                 </View>
               </Grid.Item>
 
-              <Grid.Item text={'我的邀请'} onClick={() => navigateToPage('/dealer/team/index')}>
+              <Grid.Item text={'我的团队'} onClick={() => navigateToPage('/dealer/team/index')}>
                 <View className="text-center">
                   <View className="w-12 h-12 bg-purple-50 rounded-xl flex items-center justify-center mx-auto mb-2">
                     <People color="#8b5cf6" size="20"/>
@@ -233,7 +233,7 @@ const DealerIndex: React.FC = () => {
                 </View>
               </Grid.Item>
 
-              <Grid.Item text={'我的邀请码'} onClick={() => navigateToPage('/dealer/qrcode/index')}>
+              <Grid.Item text={'实名认证'} onClick={() => navigateToPage('/user/userVerify/index')}>
                 <View className="text-center">
                   <View className="w-12 h-12 bg-orange-50 rounded-xl flex items-center justify-center mx-auto mb-2">
                     <Dongdong color="#f59e0b" size="20"/>
diff --git a/src/hooks/useDealerUser.ts b/src/hooks/useDealerUser.ts
index 062777d..172c722 100644
--- a/src/hooks/useDealerUser.ts
+++ b/src/hooks/useDealerUser.ts
@@ -22,17 +22,20 @@ export interface UseDealerUserReturn {
  */
 export const useDealerUser = (): UseDealerUserReturn => {
   const [dealerUser, setDealerUser] = useState<ShopDealerUser | null>(null)
-  const [loading, setLoading] = useState(false)
-  const [error, setError] = useState<string | null>(null)
+  const rawUserId = Taro.getStorageSync('UserId')
+  const userId = Number(rawUserId)
+  const hasUser = Number.isFinite(userId) && userId > 0
 
-  const userId = Taro.getStorageSync('UserId');
+  // If user is logged in, start in loading state to avoid "click too fast" mis-routing.
+  const [loading, setLoading] = useState<boolean>(hasUser)
+  const [error, setError] = useState<string | null>(null)
 
   // 获取经销商用户数据
   const fetchDealerData = useCallback(async () => {
 
-    if (!userId) {
-      console.log('🔍 用户未登录，提前返回')
+    if (!hasUser) {
       setDealerUser(null)
+      setLoading(false)
       return
     }
 
@@ -55,7 +58,7 @@ export const useDealerUser = (): UseDealerUserReturn => {
     } finally {
       setLoading(false)
     }
-  }, [userId])
+  }, [hasUser, userId])
 
   // 刷新数据
   const refresh = useCallback(async () => {
@@ -64,13 +67,14 @@ export const useDealerUser = (): UseDealerUserReturn => {
 
   // 初始化加载数据
   useEffect(() => {
-    if (userId) {
-      console.log('🔍 调用 fetchDealerData')
+    if (hasUser) {
       fetchDealerData()
     } else {
-      console.log('🔍 用户ID不存在，不调用 fetchDealerData')
+      setDealerUser(null)
+      setError(null)
+      setLoading(false)
     }
-  }, [fetchDealerData, userId])
+  }, [fetchDealerData, hasUser])
 
   return {
     dealerUser,
diff --git a/src/pages/user/components/IsDealer.tsx b/src/pages/user/components/IsDealer.tsx
index 899d75b..2af2f48 100644
--- a/src/pages/user/components/IsDealer.tsx
+++ b/src/pages/user/components/IsDealer.tsx
@@ -6,12 +6,13 @@ import {useUser} from '@/hooks/useUser'
 import {useDealerUser} from "@/hooks/useDealerUser";
 import {useThemeStyles} from "@/hooks/useTheme";
 import { useConfig } from "@/hooks/useConfig"; // 使用新的自定义Hook
+import Taro from '@tarojs/taro'
 
 const IsDealer = () => {
   const themeStyles = useThemeStyles();
   const { config } = useConfig(); // 使用新的Hook
   const {isSuperAdmin} = useUser();
-  const {dealerUser} = useDealerUser()
+  const {dealerUser, loading: dealerLoading} = useDealerUser()
 
   /**
    * 管理中心
@@ -80,7 +81,13 @@ const IsDealer = () => {
             </View>
           }
           extra={<ArrowRight color="#cccccc" size={18}/>}
-          onClick={() => navTo('/dealer/apply/add', true)}
+          onClick={() => {
+            if (dealerLoading) {
+              Taro.showToast({ title: '正在加载身份信息，请稍等...', icon: 'none' })
+              return
+            }
+            navTo('/dealer/apply/add', true)
+          }}
         />
       </View>
     </>