diff --git a/apps/miniprogram/src/pages/index/index.tsx b/apps/miniprogram/src/pages/index/index.tsx
index c0e7fae..bbe77ed 100644
--- a/apps/miniprogram/src/pages/index/index.tsx
+++ b/apps/miniprogram/src/pages/index/index.tsx
@@ -30,6 +30,8 @@ interface PublicBanner {
   image_url?: string;
   link_type?: string;
   link_target?: string;
+  /** 下载后的本地临时路径 */
+  local_path?: string;
 }
 
 // ─── 访客首页 ───
@@ -67,7 +69,22 @@ function GuestHome({ modeClass }: { modeClass: string }) {
       ]);
 
       if (bannerData.status === 'fulfilled' && bannerData.value?.length > 0) {
-        setBanners(bannerData.value);
+        const baseUrl = process.env.TARO_APP_API_URL || 'http://localhost:3000/api/v1';
+        const fileBase = baseUrl.replace(/\/api\/v1$/, '');
+        const withLocal = await Promise.all(
+          bannerData.value.map(async (b) => {
+            if (!b.image_url) return b;
+            try {
+              const fullUrl = b.image_url.startsWith('http') ? b.image_url : `${fileBase}${b.image_url}`;
+              const res = await Taro.downloadFile({ url: fullUrl });
+              if (res.tempFilePath) {
+                return { ...b, local_path: res.tempFilePath };
+              }
+            } catch { /* ignore */ }
+            return b;
+          })
+        );
+        setBanners(withLocal);
       } else {
         setBanners(FALLBACK_SLIDES);
       }
@@ -98,8 +115,8 @@ function GuestHome({ modeClass }: { modeClass: string }) {
         {slides.map((slide, idx) => (
           <SwiperItem key={slide.id || idx}>
             <View className='guest-slide'>
-              {slide.image_url ? (
-                <Image className='guest-slide-image' src={slide.image_url} mode='aspectFill' />
+              {(slide.local_path || slide.image_url) ? (
+                <Image className='guest-slide-image' src={slide.local_path || slide.image_url} mode='aspectFill' />
               ) : (
                 <View className={`guest-slide-bg guest-slide-bg--${(idx % 3) + 1}`} />
               )}
diff --git a/crates/erp-health/src/dto/banner_dto.rs b/crates/erp-health/src/dto/banner_dto.rs
index f1620ec..f3bcb93 100644
--- a/crates/erp-health/src/dto/banner_dto.rs
+++ b/crates/erp-health/src/dto/banner_dto.rs
@@ -107,6 +107,7 @@ pub struct PublicBannerResp {
     pub id: Uuid,
     pub title: Option<String>,
     pub subtitle: Option<String>,
+    /// 相对路径如 /uploads/tenant_id/filename.png（前端按需拼接 base_url）
     pub image_url: Option<String>,
     pub link_type: Option<String>,
     pub link_target: Option<String>,
diff --git a/crates/erp-health/src/handler/banner_handler.rs b/crates/erp-health/src/handler/banner_handler.rs
index 2c08143..e8432cb 100644
--- a/crates/erp-health/src/handler/banner_handler.rs
+++ b/crates/erp-health/src/handler/banner_handler.rs
@@ -122,31 +122,14 @@ where
 pub async fn list_public_banners<S>(
     State(state): State<HealthState>,
     Query(params): Query<PublicBannerQuery>,
-    headers: axum::http::HeaderMap,
 ) -> Result<Json<ApiResponse<Vec<PublicBannerResp>>>, AppError>
 where
     HealthState: FromRef<S>,
     S: Clone + Send + Sync + 'static,
 {
-    // 从 X-Tenant-Id 请求头或查询参数中解析租户 ID
-    let tenant_id = headers
-        .get("X-Tenant-Id")
-        .and_then(|v| v.to_str().ok())
-        .and_then(|v| v.parse::<uuid::Uuid>().ok())
-        .or(params.tenant_id)
+    let tenant_id = params
+        .tenant_id
         .ok_or_else(|| AppError::Validation("缺少 tenant_id".to_string()))?;
-
-    let base_url = headers
-        .get("host")
-        .and_then(|v| v.to_str().ok())
-        .map(|h| {
-            if h.starts_with("localhost") || h.starts_with("127.0.0.1") {
-                format!("http://{}", h)
-            } else {
-                format!("https://{}", h)
-            }
-        })
-        .unwrap_or_else(|| "http://localhost:3000".to_string());
-    let result = banner_service::list_public_banners(&state, tenant_id, &base_url).await?;
+    let result = banner_service::list_public_banners(&state, tenant_id).await?;
     Ok(Json(ApiResponse::ok(result)))
 }
diff --git a/crates/erp-health/src/service/banner_service.rs b/crates/erp-health/src/service/banner_service.rs
index 4706213..fdceb6a 100644
--- a/crates/erp-health/src/service/banner_service.rs
+++ b/crates/erp-health/src/service/banner_service.rs
@@ -20,6 +20,7 @@ use crate::state::HealthState;
 type HmacSha256 = Hmac<Sha256>;
 
 /// 获取签名 URL 密钥：优先环境变量 ERP__STORAGE__SECRET_KEY，回退到开发默认值
+#[allow(dead_code)]
 fn signing_secret() -> String {
     std::env::var("ERP__STORAGE__SECRET_KEY")
         .unwrap_or_else(|_| "dev-only-secret-key-change-in-production".to_string())
@@ -271,7 +272,6 @@ pub async fn sort_banners(
 pub async fn list_public_banners(
     state: &HealthState,
     tenant_id: Uuid,
-    base_url: &str,
 ) -> HealthResult<Vec<PublicBannerResp>> {
     let now = Utc::now();
 
@@ -300,21 +300,10 @@ pub async fn list_public_banners(
         .into_iter()
         .filter_map(|b| {
             let media = media_map.get(&b.media_item_id)?;
-            // 跳过已删除的媒体文件
             if media.deleted_at.is_some() {
                 return None;
             }
-
-            let (token, expires) =
-                generate_signed_url(&media.storage_path, &signing_secret(), 3600);
-            let clean_path = media.storage_path.trim_start_matches("./");
-            let image_url = format!(
-                "{}/{}?expires={}&token={}",
-                base_url.trim_end_matches('/'),
-                clean_path,
-                expires,
-                token
-            );
+            let image_url = media.storage_path.trim_start_matches("./").to_string();
 
             Some(PublicBannerResp {
                 id: b.id,
@@ -335,6 +324,7 @@ pub async fn list_public_banners(
 // ---------------------------------------------------------------------------
 
 /// 生成 HMAC-SHA256 签名 URL token（同步函数）
+#[allow(dead_code)]
 pub fn generate_signed_url(path: &str, secret_key: &str, ttl_secs: u64) -> (String, i64) {
     let expires = Utc::now().timestamp() + ttl_secs as i64;
     let message = format!("{}\n{}", path, expires);