diff --git a/modules/EcommerceFinance/Services/AccountLedgerRemarkMap.php b/modules/EcommerceFinance/Services/AccountLedgerRemarkMap.php
index 8179a0ff..fd33d349 100644
--- a/modules/EcommerceFinance/Services/AccountLedgerRemarkMap.php
+++ b/modules/EcommerceFinance/Services/AccountLedgerRemarkMap.php
@@ -162,6 +162,7 @@ class AccountLedgerRemarkMap
     {
         $map = $this->map();
         $remarks = [];
+        $rulesByPlatform = $this->accountMappingRulesByPlatform();
         foreach ($this->platformsForTab($tab) as $platform) {
             foreach (array_values($map[$platform] ?? []) as $remark) {
                 $remark = trim((string) $remark);
@@ -169,6 +170,16 @@ class AccountLedgerRemarkMap
                     $remarks[$remark] = true;
                 }
             }
+            // 「财务规则 › 科目映射表」里的财务备注同样作为候选，
+            // 否则新加的备注要等总账备注映射表同步后才能在下拉里选到。
+            foreach ($rulesByPlatform[$this->normalizeKey($platform)] ?? [] as $rules) {
+                foreach ($rules as $rule) {
+                    $memo = trim((string) ($rule['memo'] ?? ''));
+                    if ($memo !== '') {
+                        $remarks[$memo] = true;
+                    }
+                }
+            }
         }
 
         $list = array_keys($remarks);