diff --git a/app/Utilities/SidebarPermissions.php b/app/Utilities/SidebarPermissions.php
index 8f4d9038..38b3d5d7 100644
--- a/app/Utilities/SidebarPermissions.php
+++ b/app/Utilities/SidebarPermissions.php
@@ -66,13 +66,17 @@ class SidebarPermissions
         $settings = self::settings();
         $userSubject = 'user_' . $user->id;
         if (in_array($userSubject, $settings['configured'] ?? [], true)) {
-            return self::normalizeAllowedKeys((array) ($settings['subjects'][$userSubject] ?? []));
+            return self::withFinanceMonitoringAccess(
+                self::normalizeAllowedKeys((array) ($settings['subjects'][$userSubject] ?? [])),
+            );
         }
 
         $groups = UserAccessGroup::forUser($user);
         if ($groups->isNotEmpty()) {
-            return self::normalizeAllowedKeys(
-                $groups->flatMap(fn ($group) => $group->page_permissions ?? [])->all()
+            return self::withFinanceMonitoringAccess(
+                self::normalizeAllowedKeys(
+                    $groups->flatMap(fn ($group) => $group->page_permissions ?? [])->all()
+                ),
             );
         }
 
@@ -82,7 +86,19 @@ class SidebarPermissions
             return null;
         }
 
-        return self::normalizeAllowedKeys((array) ($settings['subjects'][$subject] ?? []));
+        return self::withFinanceMonitoringAccess(
+            self::normalizeAllowedKeys((array) ($settings['subjects'][$subject] ?? [])),
+        );
+    }
+
+    /** @param list<string> $allowed */
+    private static function withFinanceMonitoringAccess(array $allowed): array
+    {
+        if (! in_array('fee-ratio-monitoring/overview', $allowed, true)) {
+            $allowed[] = 'fee-ratio-monitoring/overview';
+        }
+
+        return $allowed;
     }
 
     public static function hasLimitedDingTalkAccess(User $user): bool
diff --git a/tests/Feature/Settings/NavigationTest.php b/tests/Feature/Settings/NavigationTest.php
index 47515f5c..051732e5 100644
--- a/tests/Feature/Settings/NavigationTest.php
+++ b/tests/Feature/Settings/NavigationTest.php
@@ -6,6 +6,7 @@ use App\Models\Auth\Permission;
 use App\Models\Auth\Role;
 use App\Utilities\BusinessNavigation;
 use App\Utilities\SidebarMenu;
+use App\Utilities\SidebarPermissions;
 use Tests\Feature\FeatureTestCase;
 
 class NavigationTest extends FeatureTestCase
@@ -307,6 +308,34 @@ class NavigationTest extends FeatureTestCase
             ->assertSeeText('费比异常数据尚未接入');
     }
 
+    public function testExistingRegularPermissionSetsInheritFeeRatioMonitoring(): void
+    {
+        $this->user->roles()->sync([Role::where('name', 'user')->firstOrFail()->id]);
+        $subject = 'role_user';
+        setting()->set('system.sidebar_permissions', [
+            'configured' => [$subject],
+            'subjects' => [$subject => [
+                'financial-risk-control/store-violation-alert',
+                'financial-risk-control/process-statistics',
+            ]],
+        ]);
+        setting()->save();
+
+        $this->assertContains(
+            'fee-ratio-monitoring/overview',
+            SidebarPermissions::allowedKeys($this->user),
+        );
+
+        $this->loginAs()
+            ->get(route('business.pages.show', [
+                'section' => 'financial-risk-control',
+                'page' => 'store-violation-alert',
+            ]))
+            ->assertOk()
+            ->assertSee('/workspace/fee-ratio-monitoring/overview', false)
+            ->assertSeeText('费比异常数据监控');
+    }
+
     public function test_business_pages_render_menu_filter_and_open_page_tabs(): void
     {
         $this->loginAs()