diff --git a/src/views/Dashboard/Center.js b/src/views/Dashboard/Center.js
index 56bebe09..3eca3e4a 100644
--- a/src/views/Dashboard/Center.js
+++ b/src/views/Dashboard/Center.js
@@ -67,7 +67,11 @@ export default function CenterDashboard() {
   const location = useLocation();
   const navigate = useNavigate();
   const toast = useToast();
-  
+
+  // ⚡ 提取 userId 为独立变量，避免 user 对象引用变化导致无限循环
+  const userId = user?.id;
+  const prevUserIdRef = React.useRef(userId);
+
   // 颜色主题
   const textColor = useColorModeValue('gray.700', 'white');
   const borderColor = useColorModeValue('gray.200', 'gray.600');
@@ -107,13 +111,13 @@ export default function CenterDashboard() {
       if (jc.success) setEventComments(Array.isArray(jc.data) ? jc.data : []);
     } catch (err) {
       logger.error('Center', 'loadData', err, {
-        userId: user?.id,
+        userId,
         timestamp: new Date().toISOString()
       });
     } finally {
       setLoading(false);
     }
-  }, [user?.id]); // 只依赖 user.id,避免无限循环
+  }, [userId]); // ⚡ 使用 userId 而不是 user?.id
 
   // 加载实时行情
   const loadRealtimeQuotes = useCallback(async () => {
@@ -188,7 +192,14 @@ export default function CenterDashboard() {
   };
 
   useEffect(() => {
-    if (user && location.pathname.includes('/home/center')) {
+    const userIdChanged = prevUserIdRef.current !== userId;
+
+    if (userIdChanged) {
+      prevUserIdRef.current = userId;
+    }
+
+    // 只在 userId 真正变化或路径变化时加载数据
+    if ((userIdChanged || !prevUserIdRef.current) && user && location.pathname.includes('/home/center')) {
       loadData();
     }
 
@@ -199,7 +210,7 @@ export default function CenterDashboard() {
     };
     document.addEventListener('visibilitychange', onVis);
     return () => document.removeEventListener('visibilitychange', onVis);
-  }, [user?.id, location.pathname, loadData]); // 只依赖 user.id,避免无限循环
+  }, [userId, location.pathname, loadData, user]); // ⚡ 使用 userId，防重复通过 ref 判断
 
   // 定时刷新实时行情（每分钟一次）
   useEffect(() => {