diff --git a/backend/app/listener/user/UserBalanceChangeNoticeListener.php b/backend/app/listener/user/UserBalanceChangeNoticeListener.php
index 530d8652d..d1558ba1c 100644
--- a/backend/app/listener/user/UserBalanceChangeNoticeListener.php
+++ b/backend/app/listener/user/UserBalanceChangeNoticeListener.php
@@ -4,6 +4,7 @@ declare(strict_types=1);
 namespace app\listener\user;
 
 use app\services\message\Notice;
+use app\services\user\UserMoneyServices;
 
 /**
  * 用户余额变更通知监听器
@@ -19,11 +20,19 @@ class UserBalanceChangeNoticeListener
             $uid = (int)$uid;
             if (!$uid) return;
 
+            // type 落库值为英文标识（如 pay_product_refund），站内信模板 {type} 需展示中文标题
+            $typeCode = trim(is_string($type) ? $type : (string)$type);
+            $typeTitle = app()->make(UserMoneyServices::class)->getTypeTitle($typeCode);
+            // 未命中映射时不要回退到含金额的 mark，否则会与模板中的 {extract_number} 重复
+            if ($typeTitle === '' || $typeTitle === $typeCode) {
+                $typeTitle = '余额变动';
+            }
+
             // 场景：余额充值、提现、退款回账等引起账户余额变动时，通知用户
             // 扁平业务数据：各渠道模板直接用业务变量名，新增渠道无需改监听器
             Notice::to($uid)->sendMsg('user_balance_change', '余额变更', [
                 'extract_number' => (string)($number ?: 0), // 变动金额（正为增加，负为扣减）
-                'type'           => $type,                  // 变动类型（如提现、退款回账）
+                'type'           => $typeTitle,             // 变动类型中文（如商品退款）
                 'mark'           => $mark,                  // 变动备注标识
                 'link'           => '/pages/users/user_bill/index', // 账单明细页链接
             ]);
diff --git a/backend/app/services/user/UserMoneyServices.php b/backend/app/services/user/UserMoneyServices.php
index 8c7d9bb6a..2c6bc905b 100644
--- a/backend/app/services/user/UserMoneyServices.php
+++ b/backend/app/services/user/UserMoneyServices.php
@@ -129,6 +129,45 @@ class UserMoneyServices extends BaseService
     {
         $this->dao = $dao;
     }
+
+    /**
+     * 余额流水类型 → 中文标题（按 incomeData 的 type 字段匹配，兼容按配置键查找）
+     * @param string $type
+     * @return string
+     */
+    public function getTypeTitle(string $type): string
+    {
+        $type = trim($type);
+        if ($type === '') {
+            return '';
+        }
+        foreach ($this->incomeData as $key => $item) {
+            if (($item['type'] ?? '') === $type || (string)$key === $type) {
+                return (string)($item['title'] ?? $type);
+            }
+        }
+        return $type;
+    }
+
+    /**
+     * 全部余额类型中文映射（type => title）
+     * @return array<string, string>
+     */
+    public function getTypeTitleMap(): array
+    {
+        $map = [];
+        foreach ($this->incomeData as $key => $item) {
+            $title = (string)($item['title'] ?? '');
+            if ($title === '') {
+                continue;
+            }
+            $map[(string)$key] = $title;
+            if (!empty($item['type'])) {
+                $map[(string)$item['type']] = $title;
+            }
+        }
+        return $map;
+    }
     /**
      * 写入用户记录
      * @param string $type 写入类型
diff --git a/backend/public/install/data/notice_config_data.sql b/backend/public/install/data/notice_config_data.sql
index fdc362ead..a51d41add 100755
--- a/backend/public/install/data/notice_config_data.sql
+++ b/backend/public/install/data/notice_config_data.sql
@@ -2,7 +2,7 @@ INSERT INTO `eb_notice_config` (`id`, `mark`, `owner_plugin_id`, `name`, `title`
 (32, 'verify_code', 'core', '短信验证码', '注册、登录等验证手机号时发送验证码', 1, '{code}验证码,{time}有效时间（分钟）', 0),
 (33, 'bind_spread_uid', 'core', '绑定推广关系通知', '新用户绑定上下级后提醒推广人', 1, '{nickname}新用户昵称,{uid}新用户ID,{spread_uid}推广人UID,{spread_time}绑定时间,{user_type}用户来源', 0),
 (34, 'order_pay_false', 'core', '未支付订单提醒', '订单创建后超时未支付提醒用户', 1, '{order_id}订单号,{pay_price}支付金额,{link}订单链接', 0),
-(35, 'user_balance_change', 'core', '余额变更', '账户余额变动后通知用户', 1, '{extract_number}变动金额,{type}变动类型,{mark}变动备注,{link}账单链接', 0),
+(35, 'user_balance_change', 'core', '余额变更', '账户余额变动后通知用户', 1, '{extract_number}变动金额,{type}变动类型中文标题,{mark}变动备注,{link}账单链接', 0),
 (36, 'revenue_received', 'core', '收益通知', '收益到账后通知用户', 1, '{amount}收益金额,{order_id}关联订单号,{type}收益说明,{link}账单链接', 0),
 (37, 'user_integral_change', 'core', '积分变更', '积分变动后通知用户', 1, '{give_integral}变动积分,{integral}剩余积分,{order_id}关联订单号,{store_title}来源,{link}详情链接', 0),
 (38, 'order_create', 'module:product:normal', '下单成功', '订单提交后提醒用户付款', 1, '{order_id}订单号,{pay_price}应付金额,{store_name}商品,{user_phone}联系电话', 0),