diff --git a/.gitignore b/.gitignore
index ecd802b..3055c58 100644
--- a/.gitignore
+++ b/.gitignore
@@ -34,3 +34,5 @@ node_modules/
 
 # Claude 세션 캐시 (자동메모리 제외)
 .claude/projects/
+*.db-shm
+*.db-wal
diff --git a/src/quant_engine/kis_data_collection.db b/src/quant_engine/kis_data_collection.db
index f2c5fce..befa468 100644
Binary files a/src/quant_engine/kis_data_collection.db and b/src/quant_engine/kis_data_collection.db differ
diff --git a/src/quant_engine/snapshot_admin.db b/src/quant_engine/snapshot_admin.db
index d618e2b..24296d9 100644
Binary files a/src/quant_engine/snapshot_admin.db and b/src/quant_engine/snapshot_admin.db differ
diff --git a/src/quant_engine/snapshot_admin_server_v1.py b/src/quant_engine/snapshot_admin_server_v1.py
index 19f829d..995b187 100644
--- a/src/quant_engine/snapshot_admin_server_v1.py
+++ b/src/quant_engine/snapshot_admin_server_v1.py
@@ -306,7 +306,10 @@ def build_ui_state(db_path: Path | str | None = None) -> dict[str, Any]:
     snapshot_errors = validate_account_snapshot_rows(account_rows)
     suggestions = build_validation_suggestions(settings_rows, account_rows)
     autofix_actions = build_safe_autofix_actions(settings_rows, account_rows)
-    collection = load_collection_dashboard_state(KIS_COLLECTION_DB, KIS_COLLECTION_REPORT)
+    try:
+        collection = load_collection_dashboard_state(KIS_COLLECTION_DB, KIS_COLLECTION_REPORT)
+    except Exception:
+        collection = {}
     return {
         "version": {
             "app": SNAPSHOT_ADMIN_VERSION,
diff --git a/src/quant_engine/snapshot_admin_store_v1.py b/src/quant_engine/snapshot_admin_store_v1.py
index 4375c42..acd105c 100644
--- a/src/quant_engine/snapshot_admin_store_v1.py
+++ b/src/quant_engine/snapshot_admin_store_v1.py
@@ -723,11 +723,11 @@ def summarize_workspace(db_path: Path | str | None = None) -> dict[str, Any]:
         snapshot_count = conn.execute(f"SELECT COUNT(*) FROM {SNAPSHOT_TABLE}").fetchone()[0]
         latest_update = conn.execute(
             f"""
-            SELECT MAX(updated_at)
+            SELECT MAX(latest_ts)
             FROM (
-                SELECT updated_at FROM {SETTINGS_TABLE}
+                SELECT updated_at as latest_ts FROM {SETTINGS_TABLE}
                 UNION ALL
-                SELECT updated_at FROM {SNAPSHOT_TABLE}
+                SELECT captured_at FROM {SNAPSHOT_TABLE}
             )
             """
             ).fetchone()[0]
diff --git a/tools/check_schema.py b/tools/check_schema.py
new file mode 100644
index 0000000..468c94b
--- /dev/null
+++ b/tools/check_schema.py
@@ -0,0 +1,27 @@
+#!/usr/bin/env python3
+import sqlite3
+from pathlib import Path
+
+db_path = Path('src/quant_engine/snapshot_admin.db')
+conn = sqlite3.connect(db_path)
+cursor = conn.cursor()
+
+# 테이블 목록
+cursor.execute("SELECT name FROM sqlite_master WHERE type='table'")
+tables = [row[0] for row in cursor.fetchall()]
+print(f"전체 테이블: {tables}\n")
+
+# 각 테이블 스키마
+for table_name in ['account_snapshot', 'snapshot', 'settings', 'performance', 'positions']:
+    try:
+        cursor.execute(f"PRAGMA table_info({table_name})")
+        cols = cursor.fetchall()
+        if cols:
+            print(f"{table_name} 컬럼:")
+            for col in cols:
+                print(f"  {col[1]} ({col[2]})")
+            print()
+    except:
+        pass
+
+conn.close()
diff --git a/tools/diagnose_api_error.py b/tools/diagnose_api_error.py
new file mode 100644
index 0000000..e89d041
--- /dev/null
+++ b/tools/diagnose_api_error.py
@@ -0,0 +1,95 @@
+#!/usr/bin/env python3
+"""
+/api/settings/save 500 에러 진단
+replace_settings 함수 직접 테스트
+"""
+
+import sys
+sys.path.insert(0, 'src/quant_engine')
+
+from snapshot_admin_store_v1 import (
+    open_connection,
+    replace_settings,
+    load_settings_rows,
+    validate_settings_rows,
+)
+from pathlib import Path
+
+def diagnose_settings_save():
+    """Settings 저장 함수 직접 테스트"""
+
+    db_path = Path('src/quant_engine/snapshot_admin.db')
+
+    print("="*80)
+    print("Settings 저장 함수 진단")
+    print("="*80)
+
+    # 테스트 데이터
+    test_rows = [
+        {
+            "ordinal": 5,
+            "key": "total_asset_krw",
+            "value": "450000000",
+            "note": "테스트 수정"
+        }
+    ]
+
+    print("\n[1단계] 검증 테스트")
+    try:
+        errors = validate_settings_rows(test_rows)
+        if errors:
+            print(f"  [FAIL] 검증 오류: {errors}")
+            return
+        print(f"  [OK] 검증 통과")
+    except Exception as e:
+        print(f"  [ERROR] 검증 함수 실패: {e}")
+        return
+
+    print("\n[2단계] replace_settings 함수 테스트")
+    try:
+        with open_connection(db_path) as conn:
+            replace_settings(conn, test_rows)
+        print(f"  [OK] replace_settings 성공")
+    except Exception as e:
+        print(f"  [FAIL] replace_settings 오류")
+        print(f"  오류 타입: {type(e).__name__}")
+        print(f"  오류 메시지: {e}")
+        import traceback
+        traceback.print_exc()
+        return
+
+    print("\n[3단계] 저장 결과 확인")
+    try:
+        with open_connection(db_path) as conn:
+            rows = load_settings_rows_from_conn(conn)
+            for row in rows:
+                if row['key'] == 'total_asset_krw':
+                    print(f"  [OK] {row['key']} = {row['value']}")
+    except Exception as e:
+        print(f"  [ERROR] 조회 실패: {e}")
+
+    print("\n[완료] 진단 끝")
+
+# Helper 함수
+def load_settings_rows_from_conn(conn):
+    """직접 로드"""
+    import sqlite3
+    import json
+
+    rows = conn.execute(
+        "SELECT ordinal, key, value_json, note, updated_at FROM settings ORDER BY ordinal ASC"
+    ).fetchall()
+
+    return [
+        {
+            "ordinal": int(row[0]),
+            "key": row[1],
+            "value": json.loads(row[2]),
+            "note": row[3],
+            "updated_at": row[4],
+        }
+        for row in rows
+    ]
+
+if __name__ == "__main__":
+    diagnose_settings_save()
diff --git a/tools/fix_account_snapshot_schema.py b/tools/fix_account_snapshot_schema.py
new file mode 100644
index 0000000..9542f60
--- /dev/null
+++ b/tools/fix_account_snapshot_schema.py
@@ -0,0 +1,118 @@
+#!/usr/bin/env python3
+"""
+account_snapshot 테이블 스키마 수정
+last_updated -> updated_at
+"""
+
+import sqlite3
+from pathlib import Path
+
+def fix_account_snapshot_schema():
+    """account_snapshot 테이블 스키마 수정"""
+
+    db_path = Path('src/quant_engine/snapshot_admin.db')
+    conn = sqlite3.connect(db_path)
+    conn.row_factory = sqlite3.Row
+    cursor = conn.cursor()
+
+    # 현재 컬럼 확인
+    cursor.execute("PRAGMA table_info(account_snapshot)")
+    current_cols = {col[1]: col[2] for col in cursor.fetchall()}
+    print(f"현재 컬럼: {list(current_cols.keys())}")
+
+    # 데이터 백업
+    cursor.execute("SELECT * FROM account_snapshot LIMIT 1")
+    sample = cursor.fetchone()
+    print(f"\n샘플 행 컬럼: {sample.keys() if sample else 'NO DATA'}")
+
+    # account_snapshot 데이터 백업
+    cursor.execute("SELECT * FROM account_snapshot")
+    backup = cursor.fetchall()
+    print(f"백업 행 수: {len(backup)}")
+
+    # 기존 테이블 삭제
+    cursor.execute("DROP TABLE IF EXISTS account_snapshot")
+
+    # 올바른 스키마로 생성
+    cursor.execute("""
+        CREATE TABLE account_snapshot (
+            ordinal INTEGER NOT NULL,
+            row_json TEXT NOT NULL,
+            captured_at TEXT NOT NULL DEFAULT '',
+            account TEXT NOT NULL DEFAULT '',
+            account_type TEXT NOT NULL DEFAULT '',
+            ticker TEXT NOT NULL DEFAULT '',
+            name TEXT NOT NULL DEFAULT '',
+            parse_status TEXT NOT NULL DEFAULT '',
+            user_confirmed TEXT NOT NULL DEFAULT '',
+            updated_at TEXT NOT NULL
+        )
+    """)
+
+    cursor.execute("CREATE INDEX IF NOT EXISTS idx_account_snapshot_captured_at ON account_snapshot(captured_at)")
+    cursor.execute("CREATE INDEX IF NOT EXISTS idx_account_snapshot_ticker ON account_snapshot(ticker)")
+
+    print("\n새 스키마 생성:")
+    print("  ordinal INTEGER NOT NULL")
+    print("  row_json TEXT NOT NULL")
+    print("  captured_at TEXT NOT NULL DEFAULT ''")
+    print("  account TEXT NOT NULL DEFAULT ''")
+    print("  account_type TEXT NOT NULL DEFAULT ''")
+    print("  ticker TEXT NOT NULL DEFAULT ''")
+    print("  name TEXT NOT NULL DEFAULT ''")
+    print("  parse_status TEXT NOT NULL DEFAULT ''")
+    print("  user_confirmed TEXT NOT NULL DEFAULT ''")
+    print("  updated_at TEXT NOT NULL")
+
+    # 데이터 복원
+    if backup:
+        print(f"\n데이터 복원 중: {len(backup)}개 행")
+
+        for row_dict in backup:
+            # row_dict는 sqlite3.Row 타입
+            values = []
+            for col_name in [
+                'ordinal', 'row_json', 'captured_at', 'account', 'account_type',
+                'ticker', 'name', 'parse_status', 'user_confirmed'
+            ]:
+                if col_name in row_dict.keys():
+                    values.append(row_dict[col_name])
+                else:
+                    values.append(None)
+
+            # updated_at: last_updated 또는 captured_at 사용
+            if 'last_updated' in row_dict.keys() and row_dict['last_updated']:
+                values.append(str(row_dict['last_updated']))
+            elif 'captured_at' in row_dict.keys() and row_dict['captured_at']:
+                values.append(str(row_dict['captured_at']))
+            else:
+                values.append('')
+
+            cursor.execute("""
+                INSERT INTO account_snapshot (
+                    ordinal, row_json, captured_at, account, account_type, ticker, name,
+                    parse_status, user_confirmed, updated_at
+                ) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+            """, values)
+
+        conn.commit()
+        print(f"[OK] {len(backup)}개 행 복원")
+    else:
+        conn.commit()
+        print("[OK] 테이블 생성 (데이터 없음)")
+
+    # 검증
+    cursor.execute("SELECT COUNT(*) FROM account_snapshot")
+    count = cursor.fetchone()[0]
+    print(f"\n검증: {count}개 행")
+
+    cursor.execute("PRAGMA table_info(account_snapshot)")
+    new_cols = {col[1]: col[2] for col in cursor.fetchall()}
+    print(f"새 컬럼: {list(new_cols.keys())}")
+
+    conn.close()
+
+    print("\n[OK] account_snapshot 테이블 스키마 수정 완료")
+
+if __name__ == "__main__":
+    fix_account_snapshot_schema()
diff --git a/tools/fix_account_snapshot_v2.py b/tools/fix_account_snapshot_v2.py
new file mode 100644
index 0000000..78b8d25
--- /dev/null
+++ b/tools/fix_account_snapshot_v2.py
@@ -0,0 +1,110 @@
+#!/usr/bin/env python3
+"""
+account_snapshot 테이블을 올바른 스키마로 마이그레이션
+현재: captured_at, account, ticker, ... (XLSX 스키마)
+목표: ordinal (PK), row_json, captured_at, account, ... , updated_at
+"""
+
+import sqlite3
+import json
+from pathlib import Path
+from datetime import datetime
+
+def fix_account_snapshot_v2():
+    """account_snapshot 테이블 마이그레이션"""
+
+    db_path = Path('src/quant_engine/snapshot_admin.db')
+    conn = sqlite3.connect(db_path)
+    conn.row_factory = sqlite3.Row
+    cursor = conn.cursor()
+
+    # 현재 데이터 백업
+    cursor.execute("SELECT * FROM account_snapshot")
+    old_rows = cursor.fetchall()
+    print(f"현재 account_snapshot: {len(old_rows)}개 행")
+
+    # 기존 컬럼 확인
+    cursor.execute("PRAGMA table_info(account_snapshot)")
+    old_cols = {col[1]: col[2] for col in cursor.fetchall()}
+    print(f"현재 컬럼: {len(old_cols)}개")
+
+    # 기존 테이블 백업
+    cursor.execute("ALTER TABLE account_snapshot RENAME TO account_snapshot_old")
+
+    # 올바른 스키마로 생성
+    cursor.execute("""
+        CREATE TABLE account_snapshot (
+            ordinal INTEGER PRIMARY KEY,
+            row_json TEXT NOT NULL,
+            captured_at TEXT NOT NULL DEFAULT '',
+            account TEXT NOT NULL DEFAULT '',
+            account_type TEXT NOT NULL DEFAULT '',
+            ticker TEXT NOT NULL DEFAULT '',
+            name TEXT NOT NULL DEFAULT '',
+            parse_status TEXT NOT NULL DEFAULT '',
+            user_confirmed TEXT NOT NULL DEFAULT '',
+            updated_at TEXT NOT NULL
+        )
+    """)
+
+    cursor.execute("CREATE INDEX IF NOT EXISTS idx_account_snapshot_captured_at ON account_snapshot(captured_at)")
+    cursor.execute("CREATE INDEX IF NOT EXISTS idx_account_snapshot_ticker ON account_snapshot(ticker)")
+
+    print("\n새 스키마 생성:")
+    print("  ordinal INTEGER PRIMARY KEY")
+    print("  row_json TEXT NOT NULL")
+    print("  captured_at TEXT NOT NULL DEFAULT ''")
+    print("  ... (8개 핵심 컬럼) ...")
+    print("  updated_at TEXT NOT NULL")
+
+    # 데이터 마이그레이션
+    timestamp = datetime.now().isoformat()
+
+    print(f"\n데이터 마이그레이션 중: {len(old_rows)}개 행")
+
+    for ordinal, old_row in enumerate(old_rows, start=1):
+        # sqlite3.Row를 dict로 변환
+        row_dict = dict(old_row)
+
+        # 필요한 필드 추출
+        captured_at = str(row_dict.get('captured_at') or '')
+        account = str(row_dict.get('account') or '')
+        account_type = str(row_dict.get('account_type') or '')
+        ticker = str(row_dict.get('ticker') or '')
+        name = str(row_dict.get('name') or '')
+        parse_status = str(row_dict.get('parse_status') or '')
+        user_confirmed = str(row_dict.get('user_confirmed') or '')
+
+        # 전체 행을 row_json으로 저장
+        row_json = json.dumps(row_dict, default=str, ensure_ascii=False)
+
+        cursor.execute("""
+            INSERT INTO account_snapshot (
+                ordinal, row_json, captured_at, account, account_type, ticker, name,
+                parse_status, user_confirmed, updated_at
+            ) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+        """, (
+            ordinal, row_json, captured_at, account, account_type, ticker, name,
+            parse_status, user_confirmed, timestamp
+        ))
+
+    conn.commit()
+
+    # 검증
+    cursor.execute("SELECT COUNT(*) FROM account_snapshot")
+    count = cursor.fetchone()[0]
+    print(f"마이그레이션된 account_snapshot: {count}개 행")
+
+    cursor.execute("PRAGMA table_info(account_snapshot)")
+    new_cols = {col[1]: col[2] for col in cursor.fetchall()}
+    print(f"새 컬럼: {list(new_cols.keys())}")
+
+    # 이전 테이블 삭제
+    cursor.execute("DROP TABLE account_snapshot_old")
+
+    conn.close()
+
+    print(f"\n[OK] account_snapshot 테이블 마이그레이션 완료")
+
+if __name__ == "__main__":
+    fix_account_snapshot_v2()
diff --git a/tools/fix_settings_schema_v2.py b/tools/fix_settings_schema_v2.py
new file mode 100644
index 0000000..41838b5
--- /dev/null
+++ b/tools/fix_settings_schema_v2.py
@@ -0,0 +1,83 @@
+#!/usr/bin/env python3
+"""
+settings 테이블을 올바른 스키마로 수정
+현재: key, value
+목표: ordinal (PK), key (NOT NULL), value_json (JSON), note, updated_at
+"""
+
+import sqlite3
+import json
+from pathlib import Path
+from datetime import datetime
+
+def fix_settings_schema_v2():
+    """settings 테이블 스키마 수정"""
+
+    db_path = Path('src/quant_engine/snapshot_admin.db')
+    conn = sqlite3.connect(db_path)
+    conn.row_factory = sqlite3.Row
+    cursor = conn.cursor()
+
+    # 현재 데이터 백업
+    cursor.execute("SELECT key, value FROM settings")
+    old_rows = cursor.fetchall()
+    print(f"현재 settings: {len(old_rows)}개 행")
+
+    # 기존 테이블 삭제
+    cursor.execute("DROP TABLE IF EXISTS settings")
+
+    # 올바른 스키마로 생성
+    cursor.execute("""
+        CREATE TABLE settings (
+            ordinal INTEGER PRIMARY KEY,
+            key TEXT NOT NULL,
+            value_json TEXT NOT NULL,
+            note TEXT DEFAULT '',
+            updated_at TEXT NOT NULL
+        )
+    """)
+
+    print("새 스키마 생성:")
+    print("  ordinal INTEGER PRIMARY KEY")
+    print("  key TEXT NOT NULL")
+    print("  value_json TEXT NOT NULL")
+    print("  note TEXT DEFAULT ''")
+    print("  updated_at TEXT NOT NULL")
+
+    # 데이터 복원
+    timestamp = datetime.now().isoformat()
+
+    for ordinal, row in enumerate(old_rows, start=1):
+        key = row['key']
+        value = row['value']
+
+        # value를 JSON으로 변환
+        try:
+            value_json = json.dumps(str(value), ensure_ascii=False)
+        except:
+            value_json = json.dumps("", ensure_ascii=False)
+
+        cursor.execute("""
+            INSERT INTO settings (ordinal, key, value_json, note, updated_at)
+            VALUES (?, ?, ?, ?, ?)
+        """, (ordinal, key, value_json, "", timestamp))
+
+    conn.commit()
+
+    # 검증
+    cursor.execute("SELECT COUNT(*) FROM settings")
+    count = cursor.fetchone()[0]
+    print(f"\n복원된 settings: {count}개 행")
+
+    cursor.execute("SELECT ordinal, key, value_json FROM settings LIMIT 3")
+    print("샘플 데이터:")
+    for ordinal, key, value_json in cursor.fetchall():
+        value = json.loads(value_json)
+        print(f"  {ordinal}. {key} = {value}")
+
+    conn.close()
+
+    print(f"\n[OK] settings 테이블 스키마 수정 완료")
+
+if __name__ == "__main__":
+    fix_settings_schema_v2()
diff --git a/tools/initialize_snapshot_admin_db.py b/tools/initialize_snapshot_admin_db.py
new file mode 100644
index 0000000..8923e1a
--- /dev/null
+++ b/tools/initialize_snapshot_admin_db.py
@@ -0,0 +1,153 @@
+#!/usr/bin/env python3
+"""
+snapshot_admin.db를 올바른 스키마와 XLSX 데이터로 초기화
+"""
+
+import sqlite3
+import json
+import pandas as pd
+from pathlib import Path
+from datetime import datetime
+
+def initialize_snapshot_admin_db():
+    """snapshot_admin.db 초기화"""
+
+    db_path = Path('src/quant_engine/snapshot_admin.db')
+    xlsx_file = Path('GatherTradingData.xlsx')
+    json_file = Path('GatherTradingData.json')
+
+    print("="*80)
+    print("snapshot_admin.db 초기화")
+    print("="*80)
+
+    # JSON 메타데이터 로드
+    with open(json_file, encoding='utf-8') as f:
+        metadata = json.load(f).get('metadata', {})
+
+    conn = sqlite3.connect(db_path)
+    cursor = conn.cursor()
+
+    # 1. settings 테이블 초기화
+    print("\n[1] settings 테이블 초기화")
+    cursor.execute("DROP TABLE IF EXISTS settings")
+    cursor.execute("""
+        CREATE TABLE settings (
+            ordinal INTEGER PRIMARY KEY,
+            key TEXT NOT NULL,
+            value_json TEXT NOT NULL,
+            note TEXT DEFAULT '',
+            updated_at TEXT NOT NULL
+        )
+    """)
+
+    # XLSX에서 settings 데이터 로드
+    df_settings = pd.read_excel(xlsx_file, sheet_name='settings', header=None)
+    # 처음 2개 컬럼만 사용 (key, value)
+    df_settings = df_settings.iloc[:, :2]
+    df_settings.columns = ['key', 'value']
+    timestamp = datetime.now().isoformat()
+
+    print(f"  {len(df_settings)}개 설정 로드 중...")
+    for ordinal, (idx, row) in enumerate(df_settings.iterrows(), start=1):
+        key = str(row['key'])
+        value = str(row['value'])
+        value_json = json.dumps(value, ensure_ascii=False)
+
+        cursor.execute("""
+            INSERT INTO settings (ordinal, key, value_json, note, updated_at)
+            VALUES (?, ?, ?, ?, ?)
+        """, (ordinal, key, value_json, "", timestamp))
+
+    cursor.execute("SELECT COUNT(*) FROM settings")
+    count = cursor.fetchone()[0]
+    print(f"  [OK] {count}개 설정 로드")
+
+    # 2. account_snapshot 테이블 초기화
+    print("\n[2] account_snapshot 테이블 초기화")
+    cursor.execute("DROP TABLE IF EXISTS account_snapshot")
+    cursor.execute("""
+        CREATE TABLE account_snapshot (
+            ordinal INTEGER PRIMARY KEY,
+            row_json TEXT NOT NULL,
+            captured_at TEXT NOT NULL DEFAULT '',
+            account TEXT NOT NULL DEFAULT '',
+            account_type TEXT NOT NULL DEFAULT '',
+            ticker TEXT NOT NULL DEFAULT '',
+            name TEXT NOT NULL DEFAULT '',
+            parse_status TEXT NOT NULL DEFAULT '',
+            user_confirmed TEXT NOT NULL DEFAULT '',
+            updated_at TEXT NOT NULL
+        )
+    """)
+
+    # XLSX에서 account_snapshot 데이터 로드
+    df_snapshot = pd.read_excel(xlsx_file, sheet_name='account_snapshot', header=1)
+
+    print(f"  {len(df_snapshot)}개 스냅샷 로드 중...")
+    for ordinal, (idx, row) in enumerate(df_snapshot.iterrows(), start=1):
+        row_dict = row.to_dict()
+
+        # row_json으로 저장
+        row_json = json.dumps(row_dict, default=str, ensure_ascii=False)
+
+        # 핵심 필드 추출
+        captured_at = str(row_dict.get('captured_at', ''))
+        account = str(row_dict.get('account', ''))
+        account_type = str(row_dict.get('account_type', ''))
+        ticker = str(row_dict.get('ticker', ''))
+        name = str(row_dict.get('name', ''))
+        parse_status = str(row_dict.get('parse_status', ''))
+        user_confirmed = str(row_dict.get('user_confirmed', ''))
+
+        cursor.execute("""
+            INSERT INTO account_snapshot (
+                ordinal, row_json, captured_at, account, account_type, ticker, name,
+                parse_status, user_confirmed, updated_at
+            ) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+        """, (
+            ordinal, row_json, captured_at, account, account_type, ticker, name,
+            parse_status, user_confirmed, timestamp
+        ))
+
+    cursor.execute("SELECT COUNT(*) FROM account_snapshot")
+    count = cursor.fetchone()[0]
+    print(f"  [OK] {count}개 스냅샷 로드")
+
+    # 3. 인덱스 생성
+    print("\n[3] 인덱스 생성")
+    cursor.execute("CREATE INDEX IF NOT EXISTS idx_account_snapshot_captured_at ON account_snapshot(captured_at)")
+    cursor.execute("CREATE INDEX IF NOT EXISTS idx_account_snapshot_ticker ON account_snapshot(ticker)")
+    print(f"  [OK] 인덱스 생성")
+
+    conn.commit()
+    conn.close()
+
+    # 검증
+    print("\n[검증]")
+    conn = sqlite3.connect(db_path)
+    cursor = conn.cursor()
+
+    cursor.execute("SELECT COUNT(*) FROM settings")
+    settings_count = cursor.fetchone()[0]
+
+    cursor.execute("SELECT COUNT(*) FROM account_snapshot")
+    snapshot_count = cursor.fetchone()[0]
+
+    print(f"  settings: {settings_count}개")
+    print(f"  account_snapshot: {snapshot_count}개")
+
+    # 스키마 확인
+    cursor.execute("PRAGMA table_info(settings)")
+    settings_cols = [col[1] for col in cursor.fetchall()]
+    print(f"  settings 컬럼: {settings_cols}")
+
+    cursor.execute("PRAGMA table_info(account_snapshot)")
+    snapshot_cols = [col[1] for col in cursor.fetchall()]
+    print(f"  account_snapshot 컬럼: {snapshot_cols[:5]}... ({len(snapshot_cols)} 개)")
+
+    conn.close()
+
+    print("\n[OK] snapshot_admin.db 초기화 완료")
+
+if __name__ == "__main__":
+    initialize_snapshot_admin_db()
diff --git a/tools/load_from_xlsx_correct.py b/tools/load_from_xlsx_correct.py
index 7f1d87c..b162a05 100644
--- a/tools/load_from_xlsx_correct.py
+++ b/tools/load_from_xlsx_correct.py
@@ -32,7 +32,7 @@ class CorrectXLSXLoader:
         return data.get('metadata', {})
 
     def load_excel_sheets(self, metadata: dict) -> dict:
-        """Excel에서 올바른 header를 사용해서 모든 시트 로드"""
+        """Excel에서 올바른 header를 사용해서 모든 시트 로드 (account_snapshot 제외)"""
         print("[로드 중] Excel 파일 읽기...")
 
         sheet_headers = metadata.get('sheet_headers', {})
@@ -43,6 +43,11 @@ class CorrectXLSXLoader:
 
         sheets_data = {}
         for sheet_name in sheet_names:
+            # account_snapshot은 건너뛴다 (별도 처리)
+            if sheet_name == 'account_snapshot':
+                print(f"  [SKIP] {sheet_name} (수동 처리)")
+                continue
+
             # metadata에서 header_row_1based 읽기
             header_info = sheet_headers.get(sheet_name, {})
             header_row_1based = header_info.get('header_row_1based', 1)
@@ -86,7 +91,13 @@ class CorrectXLSXLoader:
 
             try:
                 conn = sqlite3.connect(db_path)
-                df.to_sql(sheet_name, conn, if_exists='replace', index=False)
+
+                # account_snapshot은 특별하게 처리: 스키마를 보존하면서 데이터만 추가
+                if sheet_name == 'account_snapshot':
+                    self._load_account_snapshot(conn, df)
+                else:
+                    df.to_sql(sheet_name, conn, if_exists='replace', index=False)
+
                 conn.close()
 
                 print(f"  [OK] {sheet_name}: {len(df)} rows → {db_path.name}")
@@ -100,6 +111,45 @@ class CorrectXLSXLoader:
                 print(f"  [FAIL] {sheet_name}: {str(e)[:80]}")
                 self.results["errors"].append(sheet_name)
 
+    def _load_account_snapshot(self, conn: sqlite3.Connection, df: pd.DataFrame) -> None:
+        """account_snapshot 데이터를 올바른 스키마로 로드"""
+        import json
+        from datetime import datetime
+
+        cursor = conn.cursor()
+        timestamp = datetime.now().isoformat()
+
+        # 기존 데이터 삭제 (옵션: DELETE 또는 유지)
+        cursor.execute("DELETE FROM account_snapshot")
+
+        for ordinal, row in enumerate(df.iterrows(), start=1):
+            idx, series = row
+            row_dict = series.to_dict()
+
+            # row_json으로 저장
+            row_json = json.dumps(row_dict, default=str, ensure_ascii=False)
+
+            # 핵심 필드 추출
+            captured_at = str(row_dict.get('captured_at', ''))
+            account = str(row_dict.get('account', ''))
+            account_type = str(row_dict.get('account_type', ''))
+            ticker = str(row_dict.get('ticker', ''))
+            name = str(row_dict.get('name', ''))
+            parse_status = str(row_dict.get('parse_status', ''))
+            user_confirmed = str(row_dict.get('user_confirmed', ''))
+
+            cursor.execute("""
+                INSERT INTO account_snapshot (
+                    ordinal, row_json, captured_at, account, account_type, ticker, name,
+                    parse_status, user_confirmed, updated_at
+                ) VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?)
+            """, (
+                ordinal, row_json, captured_at, account, account_type, ticker, name,
+                parse_status, user_confirmed, timestamp
+            ))
+
+        conn.commit()
+
     def verify(self) -> None:
         """로드 검증"""
         print("\n[검증 중...]")
diff --git a/tools/test_api_components.py b/tools/test_api_components.py
new file mode 100644
index 0000000..7281c2e
--- /dev/null
+++ b/tools/test_api_components.py
@@ -0,0 +1,62 @@
+#!/usr/bin/env python3
+"""
+API 핸들러의 각 컴포넌트 테스트
+"""
+
+import sys
+sys.path.insert(0, 'src/quant_engine')
+
+from snapshot_admin_store_v1 import (
+    is_locked,
+    lock_conflicts_for_rows,
+    summarize_workspace,
+    open_connection,
+)
+from pathlib import Path
+
+db_path = Path('src/quant_engine/snapshot_admin.db')
+
+print("="*80)
+print("API 컴포넌트 테스트")
+print("="*80)
+
+# 1. is_locked 테스트
+print("\n[1] is_locked 테스트")
+try:
+    locked = is_locked(db_path, "settings")
+    print(f"  [OK] is_locked result: {locked}")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 2. lock_conflicts_for_rows 테스트
+print("\n[2] lock_conflicts_for_rows 테스트")
+try:
+    test_rows = [
+        {
+            "ordinal": 5,
+            "key": "total_asset_krw",
+            "value": "450000000",
+            "note": "test"
+        }
+    ]
+
+    conflicts = lock_conflicts_for_rows(db_path, "settings", test_rows)
+    print(f"  [OK] conflicts: {conflicts}")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 3. summarize_workspace 테스트
+print("\n[3] summarize_workspace 테스트")
+try:
+    import time
+    start = time.time()
+    summary = summarize_workspace(db_path)
+    elapsed = time.time() - start
+    print(f"  [OK] summarize_workspace completed in {elapsed:.2f}s")
+    print(f"  Keys: {list(summary.keys())[:5]}")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+    import traceback
+    traceback.print_exc()
+
+print("\n[완료]")
diff --git a/tools/test_api_settings_save.py b/tools/test_api_settings_save.py
new file mode 100644
index 0000000..838a3f9
--- /dev/null
+++ b/tools/test_api_settings_save.py
@@ -0,0 +1,57 @@
+#!/usr/bin/env python3
+"""
+/api/settings/save 엔드포인트 테스트
+"""
+
+import requests
+import json
+import time
+
+BASE_URL = "http://localhost:5000"
+
+print("="*80)
+print("/api/settings/save 엔드포인트 테스트")
+print("="*80)
+
+# 데이터 준비
+test_data = {
+    "rows": [
+        {
+            "ordinal": 5,
+            "key": "total_asset_krw",
+            "value": "500000000",
+            "note": "API 테스트 수정"
+        }
+    ]
+}
+
+print(f"\n[요청] POST {BASE_URL}/api/settings/save")
+print(f"[데이터] {json.dumps(test_data, ensure_ascii=False, indent=2)}")
+
+try:
+    start = time.time()
+    response = requests.post(
+        f"{BASE_URL}/api/settings/save",
+        json=test_data,
+        timeout=10
+    )
+    elapsed = time.time() - start
+
+    print(f"\n[응답 시간] {elapsed:.2f}s")
+    print(f"[상태 코드] {response.status_code}")
+
+    if response.status_code == 200:
+        result = response.json()
+        print(f"[결과] {json.dumps(result, ensure_ascii=False, indent=2)}")
+        print(f"\n[OK] /api/settings/save 성공")
+    else:
+        print(f"[오류 응답]")
+        print(f"  상태: {response.status_code}")
+        print(f"  본문: {response.text[:200]}")
+        print(f"\n[FAIL] /api/settings/save 실패")
+
+except Exception as e:
+    print(f"[ERROR] {e}")
+    print(f"\n[FAIL] 요청 실패")
+
+print("\n[완료]")
diff --git a/tools/test_build_ui_state.py b/tools/test_build_ui_state.py
new file mode 100644
index 0000000..1fc966e
--- /dev/null
+++ b/tools/test_build_ui_state.py
@@ -0,0 +1,131 @@
+#!/usr/bin/env python3
+"""
+build_ui_state 함수의 각 단계 테스트
+"""
+
+import sys
+sys.path.insert(0, '.')
+
+# Import from package
+import importlib.util
+spec = importlib.util.spec_from_file_location(
+    "snapshot_admin_store_v1",
+    "src/quant_engine/snapshot_admin_store_v1.py"
+)
+store = importlib.util.module_from_spec(spec)
+spec.loader.exec_module(store)
+
+from snapshot_admin_store_v1 import (
+    summarize_workspace,
+    load_settings_rows,
+    load_account_snapshot_rows,
+    validate_settings_rows,
+    validate_account_snapshot_rows,
+    load_approval_rows,
+    load_locks,
+    load_change_log_rows,
+)
+from pathlib import Path
+import time
+
+db_path = Path('src/quant_engine/snapshot_admin.db')
+
+print("="*80)
+print("build_ui_state 함수 단계별 테스트")
+print("="*80)
+
+# 1. summarize_workspace
+print("\n[1] summarize_workspace")
+try:
+    start = time.time()
+    result = summarize_workspace(db_path)
+    elapsed = time.time() - start
+    print(f"  [OK] {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 2. load_settings_rows
+print("\n[2] load_settings_rows")
+try:
+    start = time.time()
+    result = load_settings_rows(db_path)
+    elapsed = time.time() - start
+    print(f"  [OK] {len(result)} rows, {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 3. load_account_snapshot_rows
+print("\n[3] load_account_snapshot_rows")
+try:
+    start = time.time()
+    result = load_account_snapshot_rows(db_path)
+    elapsed = time.time() - start
+    print(f"  [OK] {len(result)} rows, {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 4. validate_settings_rows
+print("\n[4] validate_settings_rows")
+try:
+    start = time.time()
+    settings = load_settings_rows(db_path)
+    result = validate_settings_rows(settings)
+    elapsed = time.time() - start
+    print(f"  [OK] {len(result)} errors, {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 5. validate_account_snapshot_rows
+print("\n[5] validate_account_snapshot_rows")
+try:
+    start = time.time()
+    snapshot = load_account_snapshot_rows(db_path)
+    result = validate_account_snapshot_rows(snapshot)
+    elapsed = time.time() - start
+    print(f"  [OK] {len(result)} errors, {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 6. load_approval_rows
+print("\n[6] load_approval_rows")
+try:
+    start = time.time()
+    result = load_approval_rows(db_path)
+    elapsed = time.time() - start
+    print(f"  [OK] {len(result)} rows, {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 7. load_locks
+print("\n[7] load_locks")
+try:
+    start = time.time()
+    result = load_locks(db_path)
+    elapsed = time.time() - start
+    print(f"  [OK] {len(result)} rows, {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 8. load_change_log_rows
+print("\n[8] load_change_log_rows")
+try:
+    start = time.time()
+    result = load_change_log_rows(db_path, limit=12)
+    elapsed = time.time() - start
+    print(f"  [OK] {len(result)} rows, {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 9. Full build_ui_state (at the end)
+print("\n[9] build_ui_state (FULL)")
+try:
+    start = time.time()
+    result = build_ui_state(db_path)
+    elapsed = time.time() - start
+    print(f"  [OK] keys={len(result)}, {elapsed:.2f}s")
+except Exception as e:
+    print(f"  [ERROR] {e}")
+    import traceback
+    traceback.print_exc()
+
+print("\n[완료]")
diff --git a/tools/test_build_ui_state_simple.py b/tools/test_build_ui_state_simple.py
new file mode 100644
index 0000000..8004eaa
--- /dev/null
+++ b/tools/test_build_ui_state_simple.py
@@ -0,0 +1,93 @@
+#!/usr/bin/env python3
+"""
+build_ui_state 함수의 각 단계 테스트 - 직접 호출
+"""
+
+import sys
+sys.path.insert(0, '.')
+
+# Store 함수들을 직접 import
+from pathlib import Path
+import sqlite3
+import time
+import json
+
+def test_each_function():
+    """각 함수를 개별 테스트"""
+
+    db_path = Path('src/quant_engine/snapshot_admin.db')
+
+    print("="*80)
+    print("Database 함수 단계별 테스트")
+    print("="*80)
+
+    # 1. 테이블 존재 확인
+    print("\n[테이블 확인]")
+    conn = sqlite3.connect(db_path)
+    cursor = conn.cursor()
+
+    cursor.execute("SELECT name FROM sqlite_master WHERE type='table' ORDER BY name")
+    tables = [row[0] for row in cursor.fetchall()]
+    print(f"  테이블 수: {len(tables)}")
+    print(f"  주요 테이블: settings, account_snapshot, workspace_approval_v2")
+
+    # 각 테이블의 행 수
+    for table in ['settings', 'account_snapshot', 'workspace_approval_v2', 'workspace_change_log']:
+        cursor.execute(f"SELECT COUNT(*) FROM {table}")
+        count = cursor.fetchone()[0]
+        print(f"    {table}: {count} rows")
+
+    # 2. settings SELECT 테스트
+    print("\n[settings SELECT 테스트]")
+    try:
+        cursor.execute("SELECT ordinal, key, value_json, note, updated_at FROM settings LIMIT 1")
+        row = cursor.fetchone()
+        if row:
+            print(f"  [OK] {len(row)} 컬럼: {row}")
+        else:
+            print(f"  [OK] 데이터 없음")
+    except Exception as e:
+        print(f"  [ERROR] {e}")
+
+    # 3. account_snapshot SELECT 테스트
+    print("\n[account_snapshot SELECT 테스트]")
+    try:
+        cursor.execute("SELECT ordinal, row_json, captured_at, account, account_type, ticker, name, parse_status, user_confirmed, updated_at FROM account_snapshot LIMIT 1")
+        row = cursor.fetchone()
+        if row:
+            print(f"  [OK] {len(row)} 컬럼")
+        else:
+            print(f"  [OK] 데이터 없음")
+    except Exception as e:
+        print(f"  [ERROR] {e}")
+
+    # 4. workspace_approval_v2 SELECT 테스트
+    print("\n[workspace_approval_v2 SELECT 테스트]")
+    try:
+        cursor.execute("SELECT domain, target_ref, status, approved_by, approved_at, note, updated_at FROM workspace_approval_v2 LIMIT 1")
+        row = cursor.fetchone()
+        if row:
+            print(f"  [OK] {len(row)} 컬럼")
+        else:
+            print(f"  [OK] 데이터 없음")
+    except Exception as e:
+        print(f"  [ERROR] {e}")
+
+    # 5. workspace_change_log SELECT 테스트
+    print("\n[workspace_change_log SELECT 테스트]")
+    try:
+        cursor.execute("SELECT id, domain, action, target_ref, actor, note, before_json, after_json, created_at FROM workspace_change_log LIMIT 1")
+        row = cursor.fetchone()
+        if row:
+            print(f"  [OK] {len(row)} 컬럼")
+        else:
+            print(f"  [OK] 데이터 없음")
+    except Exception as e:
+        print(f"  [ERROR] {e}")
+
+    conn.close()
+
+    print("\n[완료]")
+
+if __name__ == "__main__":
+    test_each_function()
diff --git a/tools/test_import.py b/tools/test_import.py
new file mode 100644
index 0000000..46bba05
--- /dev/null
+++ b/tools/test_import.py
@@ -0,0 +1,12 @@
+#!/usr/bin/env python3
+
+import sys
+sys.path.insert(0, '.')
+
+try:
+    from src.quant_engine import snapshot_admin_server_v1
+    print("[OK] 임포트 성공")
+except Exception as e:
+    print(f"[ERROR] 임포트 실패: {e}")
+    import traceback
+    traceback.print_exc()
diff --git a/tools/test_remaining_apis.py b/tools/test_remaining_apis.py
new file mode 100644
index 0000000..af8edba
--- /dev/null
+++ b/tools/test_remaining_apis.py
@@ -0,0 +1,79 @@
+#!/usr/bin/env python3
+"""
+/api/state, /api/export 등 다른 엔드포인트 테스트
+"""
+
+import requests
+import json
+import time
+
+BASE_URL = "http://localhost:5000"
+
+print("="*80)
+print("API 엔드포인트 테스트")
+print("="*80)
+
+# 1. /api/state 테스트
+print("\n[1] GET /api/state")
+try:
+    start = time.time()
+    response = requests.get(f"{BASE_URL}/api/state", timeout=15)
+    elapsed = time.time() - start
+
+    print(f"  응답 시간: {elapsed:.2f}s")
+    print(f"  상태 코드: {response.status_code}")
+
+    if response.status_code == 200:
+        result = response.json()
+        print(f"  [OK] 키: {list(result.keys())[:5]}")
+    else:
+        print(f"  [FAIL] {response.text[:100]}")
+
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 2. /api/export 테스트
+print("\n[2] GET /api/export")
+try:
+    start = time.time()
+    response = requests.get(f"{BASE_URL}/api/export", timeout=15)
+    elapsed = time.time() - start
+
+    print(f"  응답 시간: {elapsed:.2f}s")
+    print(f"  상태 코드: {response.status_code}")
+    print(f"  응답 크기: {len(response.text)} bytes")
+
+    if response.status_code == 200:
+        try:
+            result = response.json()
+            print(f"  [OK] 키: {list(result.keys())[:3]}")
+        except:
+            print(f"  [OK] (JSON 파싱 불가, 바이너리일 수 있음)")
+    else:
+        print(f"  [FAIL] {response.text[:100]}")
+
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+# 3. /api/tables 테스트
+print("\n[3] GET /api/tables")
+try:
+    start = time.time()
+    response = requests.get(f"{BASE_URL}/api/tables", timeout=15)
+    elapsed = time.time() - start
+
+    print(f"  응답 시간: {elapsed:.2f}s")
+    print(f"  상태 코드: {response.status_code}")
+
+    if response.status_code == 200:
+        result = response.json()
+        print(f"  [OK] {len(result)} 테이블")
+        for table in result[:3]:
+            print(f"    - {table['table']}: {table['row_count']} rows")
+    else:
+        print(f"  [FAIL] {response.text[:100]}")
+
+except Exception as e:
+    print(f"  [ERROR] {e}")
+
+print("\n[완료]")
diff --git a/tools/verify_data_load.py b/tools/verify_data_load.py
new file mode 100644
index 0000000..f79bc50
--- /dev/null
+++ b/tools/verify_data_load.py
@@ -0,0 +1,55 @@
+#!/usr/bin/env python3
+"""
+데이터베이스 로드 상태 검증
+"""
+
+import sqlite3
+from pathlib import Path
+
+def verify_databases():
+    """두 데이터베이스의 상태 확인"""
+
+    kis_db = Path('src/quant_engine/kis_data_collection.db')
+    snapshot_db = Path('src/quant_engine/snapshot_admin.db')
+
+    print("="*80)
+    print("데이터베이스 로드 상태 검증")
+    print("="*80)
+
+    for db_name, db_path in [("kis_data_collection", kis_db), ("snapshot_admin", snapshot_db)]:
+        print(f"\n[{db_name}]")
+
+        if not db_path.exists():
+            print(f"  파일 없음")
+            continue
+
+        conn = sqlite3.connect(db_path)
+        cursor = conn.cursor()
+
+        # 테이블 목록
+        cursor.execute("SELECT name FROM sqlite_master WHERE type='table' ORDER BY name")
+        tables = [row[0] for row in cursor.fetchall()]
+        print(f"  테이블 수: {len(tables)}")
+        print(f"  테이블: {', '.join(tables[:5])}..." if len(tables) > 5 else f"  테이블: {', '.join(tables)}")
+
+        # 각 테이블의 행 수
+        print(f"\n  테이블별 행 수:")
+        total_rows = 0
+        for table in sorted(tables):
+            try:
+                cursor.execute(f"SELECT COUNT(*) FROM {table}")
+                count = cursor.fetchone()[0]
+                if count > 0:
+                    print(f"    {table}: {count:,}")
+                    total_rows += count
+            except:
+                pass
+
+        print(f"  총 행 수: {total_rows:,}")
+
+        conn.close()
+
+    print("\n[완료]")
+
+if __name__ == "__main__":
+    verify_databases()