Another way was posted at
macgeekery earlier this year:<pre style="overflow:auto; padding: 5px; width: 500px ; font-size: 10px; border:1">sudo defaults write /Library/Preferences/com.apple.loginwindow DesktopPicture -string "/path/to/image.jpg"</pre>The command should be entered using "/Applications" > "Utilities" > "Terminal.app" while logged in to an "admin" account, and substituting a proper path to an image file, in the appropriate place.
The "renaming" way is probably easier for people unfamiliar with the command line.