diff --git a/backend/app/api/dashboard.py b/backend/app/api/dashboard.py
index 3f491122..7df67c72 100644
--- a/backend/app/api/dashboard.py
+++ b/backend/app/api/dashboard.py
@@ -72,6 +72,13 @@ BEP_DEP_SUBJECT = "560213"
 # （酣客 e1 = 84.61；博海 e2 = None，因无渠补科目）。端点各处直接取口径值，不做回落。
 
 
+# bep_caliber 的带号科目项（terms）以 `debit`/`credit` 命名，本模块聚合用的是模型列名
+# `debit_amount`/`credit_amount` ⇒ 必须做字段名映射。
+# 2026-10-16 修复（P0）：289cc8f2 引入的 terms 分支把 'debit' 原样传入 ⇒
+# `getattr(VoucherDetail, 'debit')` AttributeError ⇒ e2 博海 `GET /api/cma/dashboard/bep-card` 500。
+_BEP_FIELD_ALIAS = {"debit": "debit_amount", "credit": "credit_amount", "net": "net"}
+
+
 def _bep_sum_field(db, entity_id: int, period_from: str, period_to: str,
                    field: str, subject_filter=None, *, exclude_closing: bool = False,
                    subject_filters=None, terms=None) -> float:
@@ -91,8 +98,10 @@ def _bep_sum_field(db, entity_id: int, period_from: str, period_to: str,
     if terms:
         total = 0.0
         for sign, code, tfield in terms:
+            # terms 记法字段名 → 模型列名（缺此映射 ⇒ getattr(VoucherDetail,'debit') AttributeError）
+            col_field = _BEP_FIELD_ALIAS.get(str(tfield), str(tfield))
             total += (1.0 if sign == "+" else -1.0) * _bep_sum_field(
-                db, entity_id, period_from, period_to, tfield,
+                db, entity_id, period_from, period_to, col_field,
                 ("like", str(code)[:-1]) if str(code).endswith("%") else ("eq", code),
                 exclude_closing=exclude_closing)
         return total
diff --git a/backend/tests/test_profit_summary_real_caliber_20261014.py b/backend/tests/test_profit_summary_real_caliber_20261014.py
index 6369a9ac..1c3e06dc 100644
--- a/backend/tests/test_profit_summary_real_caliber_20261014.py
+++ b/backend/tests/test_profit_summary_real_caliber_20261014.py
@@ -228,6 +228,27 @@ class TestCaliberDriven:
             D._sum_field(db, 1, PERIOD, PERIOD, "net", ("like", "5602")) == 120_000.0
         assert PL.sum_field(db, 1, PERIOD, PERIOD, "credit_amount", ("eq", "5001")) == 2_634_900.0
 
+    def test_dashboard_card_e2_terms_mode_field_alias(self, db: Session):
+        """289cc8f 回归（P0）：e2 固定成本走 terms（仅借方）时，`dashboard._bep_sum_field`
+        必须把 terms 记法字段名（debit/credit）映射到模型列名（debit_amount/credit_amount）；
+        否则 `getattr(VoucherDetail, 'debit')` AttributeError ⇒ `GET /dashboard/bep-card` 500。
+        """
+        seed_e2(db)
+        from app.api.dashboard import _bep_sum_field, _bep_inputs
+        from app.utils.bep_caliber import fixed_cost_spec
+
+        cal2 = ENTITY_CALIBERS[2]
+        mode, spec = fixed_cost_spec(cal2)
+        assert mode == "terms", spec
+        raw = _bep_sum_field(db, 2, PERIOD, PERIOD, "net", terms=spec,
+                             exclude_closing=cal2["exclude_closing"])
+        # §4-1 仅借方：6601 60,000 + 6602 30,000 + 6603 8,000 = 98,000 元
+        # （6602 贷 5,000 / 6603 贷 20,000 不进固定；summary 含「结转」腿被剔除）
+        assert raw == 98_000.0, raw
+        inp = _bep_inputs(db, 2, cal2, PERIOD, PERIOD, 1)
+        assert inp["sales_avg"] == 100.00, inp
+        assert inp["admin_avg"] == 9.80, inp
+
 
 # ── L2 勾稽自检 ───────────────────────────────────────────────────────────