diff --git a/local/backend/app/api/data_sync.py b/local/backend/app/api/data_sync.py
index e714552..8f9328e 100644
--- a/local/backend/app/api/data_sync.py
+++ b/local/backend/app/api/data_sync.py
@@ -36,6 +36,7 @@ SYNCABLE_PARTS = [
     "instruments_etf",
     "financials",
     "pools",
+    "ext_data",
 ]
 
 
diff --git a/serve/backend/app/api/data_sync.py b/serve/backend/app/api/data_sync.py
index de1b2b1..8e66e05 100644
--- a/serve/backend/app/api/data_sync.py
+++ b/serve/backend/app/api/data_sync.py
@@ -25,6 +25,7 @@ SYNCABLE_PARTS = {
     "instruments", "instruments_index", "instruments_etf",
     "financials",
     "pools",
+    "ext_data",
 }
 
 
diff --git a/serve/backend/app/api/financials.py b/serve/backend/app/api/financials.py
index b8414b3..ac39676 100644
--- a/serve/backend/app/api/financials.py
+++ b/serve/backend/app/api/financials.py
@@ -20,11 +20,7 @@ router = APIRouter(prefix="/api/financials", tags=["financials"])
 
 @router.get("/status")
 def financial_status(request: Request):
-    """返回各财务表的同步状态。无需 FINANCIAL 权限（前端根据 available 决定是否展示）。"""
-    capset = request.app.state.capabilities
-    if not capset.has(Cap.FINANCIAL):
-        return {"available": False, "tables": {}}
-
+    """返回各财务表的同步状态。"""
     data_dir = request.app.state.repo.store.data_dir
     tables = {}
 
@@ -42,15 +38,16 @@ def financial_status(request: Request):
         else:
             tables[table] = {"rows": 0, "symbols": 0}
 
+    capset = request.app.state.capabilities
+    has_cap = capset.has(Cap.FINANCIAL)
     fs = getattr(request.app.state, "financial_scheduler", None)
     last_sync = fs.last_sync if fs else {}
+    has_data = any(t.get("rows", 0) > 0 for t in tables.values())
 
     return {
-        "available": True,
+        "available": has_cap or has_data,
         "tables": tables,
         "last_sync": last_sync,
-        # 服务端是否正在同步(手动触发)——前端据此显示"同步中"并防重复点击,
-        # 且刷新页面后仍能正确反映服务端状态。
         "syncing": bool(fs and fs.is_syncing),
     }
 
@@ -58,9 +55,6 @@ def financial_status(request: Request):
 @router.get("/metrics")
 def get_metrics(request: Request, symbol: str | None = None):
     """查询核心财务指标。"""
-    capset = request.app.state.capabilities
-    capset.require(Cap.FINANCIAL)
-
     df = get_financial_df(request.app.state.repo.store.data_dir, "metrics")
     if df.is_empty():
         return {"data": []}
@@ -72,9 +66,6 @@ def get_metrics(request: Request, symbol: str | None = None):
 @router.get("/income")
 def get_income(request: Request, symbol: str | None = None):
     """查询利润表。"""
-    capset = request.app.state.capabilities
-    capset.require(Cap.FINANCIAL)
-
     df = get_financial_df(request.app.state.repo.store.data_dir, "income")
     if df.is_empty():
         return {"data": []}
@@ -86,9 +77,6 @@ def get_income(request: Request, symbol: str | None = None):
 @router.get("/balance-sheet")
 def get_balance_sheet(request: Request, symbol: str | None = None):
     """查询资产负债表。"""
-    capset = request.app.state.capabilities
-    capset.require(Cap.FINANCIAL)
-
     df = get_financial_df(request.app.state.repo.store.data_dir, "balance_sheet")
     if df.is_empty():
         return {"data": []}
@@ -100,9 +88,6 @@ def get_balance_sheet(request: Request, symbol: str | None = None):
 @router.get("/cash-flow")
 def get_cash_flow(request: Request, symbol: str | None = None):
     """查询现金流量表。"""
-    capset = request.app.state.capabilities
-    capset.require(Cap.FINANCIAL)
-
     df = get_financial_df(request.app.state.repo.store.data_dir, "cash_flow")
     if df.is_empty():
         return {"data": []}
diff --git a/serve/frontend/src/pages/Financials.tsx b/serve/frontend/src/pages/Financials.tsx
index 70741d9..953af5f 100644
--- a/serve/frontend/src/pages/Financials.tsx
+++ b/serve/frontend/src/pages/Financials.tsx
@@ -57,42 +57,56 @@ export function Financials() {
     rememberStock(symbol, name)
   }
 
+  // 无 Expert 能力时: 等 status 加载完, 判断是否有从 local 同步来的数据
   if (!hasFinancial) {
-    return (
-      <>
-        <PageHeader title="财务分析" subtitle="利润表 / 资负表 / 现金流 / 关键指标 / AI分析 · Expert" />
-        <div className="px-8 py-10">
-          <div className="mx-auto max-w-md rounded-card border border-warning/30 bg-warning/[0.04] p-8 text-center">
-            <div className="mx-auto flex h-12 w-12 items-center justify-center rounded-full bg-warning/10">
-              <Lock className="h-6 w-6 text-warning" />
-            </div>
-            <h3 className="mt-4 text-base font-semibold text-foreground">需要 Expert 套餐</h3>
-            <p className="mt-2 text-xs leading-relaxed text-secondary">
-              财务数据接口仅 Expert 套餐可用。升级后此页自动显示财务数据面板。
-            </p>
-            {/* 当前财务数据源(TickFlow)需付费,后续将接入免费数据源;期间欢迎在 issues 推荐免费源 */}
-            <div className="mt-5 rounded-btn border border-accent/25 bg-accent/[0.05] px-3.5 py-3 text-left">
-              <div className="flex items-center gap-1.5 text-xs font-medium text-accent">
-                <Lightbulb className="h-3.5 w-3.5 shrink-0" />
-                关于数据源
+    if (isLoading) {
+      return (
+        <>
+          <PageHeader title="财务分析" subtitle="利润表 / 资负表 / 现金流 / 关键指标 / AI分析 · Expert" />
+          <div className="flex items-center justify-center py-16">
+            <Loader2 className="h-5 w-5 animate-spin text-muted" />
+          </div>
+        </>
+      )
+    }
+    if (!status?.available) {
+      // 既无 Expert 能力, 也无同步数据 → 锁定页
+      return (
+        <>
+          <PageHeader title="财务分析" subtitle="利润表 / 资负表 / 现金流 / 关键指标 / AI分析 · Expert" />
+          <div className="px-8 py-10">
+            <div className="mx-auto max-w-md rounded-card border border-warning/30 bg-warning/[0.04] p-8 text-center">
+              <div className="mx-auto flex h-12 w-12 items-center justify-center rounded-full bg-warning/10">
+                <Lock className="h-6 w-6 text-warning" />
               </div>
-              <p className="mt-1.5 text-[11px] leading-relaxed text-secondary">
-                当前财务数据源需付费,后续会接入免费数据源。如你常用某个免费财务数据源,欢迎在 Issues 中多多推荐哈 ~
+              <h3 className="mt-4 text-base font-semibold text-foreground">需要 Expert 套餐</h3>
+              <p className="mt-2 text-xs leading-relaxed text-secondary">
+                财务数据接口仅 Expert 套餐可用。升级后此页自动显示财务数据面板。
               </p>
-              <a
-                href="https://github.com/shy3130/tickflow-stock-panel/issues"
-                target="_blank"
-                rel="noreferrer"
-                className="mt-2 inline-flex items-center gap-1 text-[11px] font-medium text-accent hover:underline"
-              >
-                前往 Issues 推荐
-                <ExternalLink className="h-3 w-3" />
-              </a>
+              <div className="mt-5 rounded-btn border border-accent/25 bg-accent/[0.05] px-3.5 py-3 text-left">
+                <div className="flex items-center gap-1.5 text-xs font-medium text-accent">
+                  <Lightbulb className="h-3.5 w-3.5 shrink-0" />
+                  关于数据源
+                </div>
+                <p className="mt-1.5 text-[11px] leading-relaxed text-secondary">
+                  当前财务数据源需付费,后续会接入免费数据源。如你常用某个免费财务数据源,欢迎在 Issues 中多多推荐哈 ~
+                </p>
+                <a
+                  href="https://github.com/shy3130/tickflow-stock-panel/issues"
+                  target="_blank"
+                  rel="noreferrer"
+                  className="mt-2 inline-flex items-center gap-1 text-[11px] font-medium text-accent hover:underline"
+                >
+                  前往 Issues 推荐
+                  <ExternalLink className="h-3 w-3" />
+                </a>
+              </div>
             </div>
           </div>
-        </div>
-      </>
-    )
+        </>
+      )
+    }
+    // 有同步数据, 继续展示
   }
 
   const handleSync = (table: string) => {
@@ -171,17 +185,19 @@ export function Financials() {
                     : '同步中…'}
               </span>
             )}
-            <button
-              className="inline-flex items-center gap-1.5 px-3 py-1.5 rounded-btn bg-gradient-to-r from-accent/25 to-accent/10 border border-accent/30 text-accent text-xs font-medium hover:from-accent/35 hover:to-accent/20 transition-all duration-150 disabled:opacity-40 disabled:cursor-not-allowed"
-              onClick={() => handleSync('all')}
-              disabled={syncing}
-              title={syncing ? '正在同步，请稍候…' : '同步全部财务表'}
-            >
-              {syncing
-                ? <Loader2 className="h-3.5 w-3.5 animate-spin" />
-                : <RefreshCw className="h-3.5 w-3.5" />}
-              {syncing ? '同步中…' : '全部同步'}
-            </button>
+            {hasFinancial && (
+              <button
+                className="inline-flex items-center gap-1.5 px-3 py-1.5 rounded-btn bg-gradient-to-r from-accent/25 to-accent/10 border border-accent/30 text-accent text-xs font-medium hover:from-accent/35 hover:to-accent/20 transition-all duration-150 disabled:opacity-40 disabled:cursor-not-allowed"
+                onClick={() => handleSync('all')}
+                disabled={syncing}
+                title={syncing ? '正在同步，请稍候…' : '同步全部财务表'}
+              >
+                {syncing
+                  ? <Loader2 className="h-3.5 w-3.5 animate-spin" />
+                  : <RefreshCw className="h-3.5 w-3.5" />}
+                {syncing ? '同步中…' : '全部同步'}
+              </button>
+            )}
           </div>
         }
       />
@@ -233,16 +249,20 @@ export function Financials() {
                         )}
                         <span className="text-xs font-medium text-foreground">{label}</span>
                       </div>
-                      <button
-                        className="text-muted hover:text-accent transition-colors disabled:opacity-30 disabled:cursor-not-allowed"
-                        onClick={() => handleSync(key)}
-                        disabled={syncing}
-                        title={syncing ? '正在同步…' : `同步${label}`}
-                      >
-                        {syncing
-                          ? <Loader2 className="h-3.5 w-3.5 animate-spin" />
-                          : <RefreshCw className="h-3.5 w-3.5" />}
-                      </button>
+                      {hasFinancial ? (
+                        <button
+                          className="text-muted hover:text-accent transition-colors disabled:opacity-30 disabled:cursor-not-allowed"
+                          onClick={() => handleSync(key)}
+                          disabled={syncing}
+                          title={syncing ? '正在同步…' : `同步${label}`}
+                        >
+                          {syncing
+                            ? <Loader2 className="h-3.5 w-3.5 animate-spin" />
+                            : <RefreshCw className="h-3.5 w-3.5" />}
+                        </button>
+                      ) : (
+                        <div className="h-3.5 w-3.5" />
+                      )}
                     </div>
                     <div className="mt-2 text-xl font-semibold tabular-nums text-foreground">
                       {fmtBigNum(info?.rows ?? 0)}