diff --git a/apps/backend/src/services/classification.service.ts b/apps/backend/src/services/classification.service.ts
index 1e339c8..177fd24 100644
--- a/apps/backend/src/services/classification.service.ts
+++ b/apps/backend/src/services/classification.service.ts
@@ -71,14 +71,17 @@ export function extractAmountFromText(title: string, body?: string): number | un
   const normalized = normalizeText(title, body).toLowerCase();
   const sanitized = normalized.replace(/[，,。]/g, ' ');
 
-  const amountPatterns = [
+  // 金额上下文关键词（没有出现就不要用宽松规则匹配）
+  const moneyContext = /(金额|人民币|rmb|cny|元|块|圆|收款|到账|入账|转账|支付|扣款|消费|已支付|已扣款|红包|微信支付|支付宝)/i;
+
+  // 严格规则：需要货币符号或金额关键词
+  const strictPatterns = [
     /(?:¥|￥|\$|人民币|rmb|cny)\s*([-+]?\d+(?:\.\d{1,2})?)/i,
     /([-+]?\d+(?:\.\d{1,2})?)\s*(?:元|块|圆)/i,
-    /金额[:：]?\s*([-+]?\d+(?:\.\d{1,2})?)/i,
-    /([-+]?\d+(?:\.\d{1,2})?)(?:\s*(?:元|块|圆))?/i
+    /金额[:：]?\s*([-+]?\d+(?:\.\d{1,2})?)/i
   ];
 
-  for (const pattern of amountPatterns) {
+  for (const pattern of strictPatterns) {
     const match = sanitized.match(pattern);
     if (match) {
       const raw = match[1];
@@ -90,5 +93,17 @@ export function extractAmountFromText(title: string, body?: string): number | un
     }
   }
 
+  // 宽松规则（无货币词的裸数字）仅在上下文包含金钱相关关键词时启用
+  if (moneyContext.test(sanitized)) {
+    const loose = /([-+]?\d+(?:\.\d{1,2})?)/;
+    const match = sanitized.match(loose);
+    if (match) {
+      const parsed = Number.parseFloat(match[1]);
+      if (!Number.isNaN(parsed)) {
+        return Math.abs(parsed);
+      }
+    }
+  }
+
   return undefined;
 }