diff --git a/app/Console/Commands/AuditFinancialChainCommand.php b/app/Console/Commands/AuditFinancialChainCommand.php
index 42e7183..5aef0d7 100644
--- a/app/Console/Commands/AuditFinancialChainCommand.php
+++ b/app/Console/Commands/AuditFinancialChainCommand.php
@@ -4,6 +4,7 @@ namespace App\Console\Commands;
 
 use Illuminate\Console\Command;
 use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Facades\Schema;
 
 final class AuditFinancialChainCommand extends Command
 {
@@ -88,7 +89,7 @@ final class AuditFinancialChainCommand extends Command
      */
     private function creditIssues(): array
     {
-        return $this->countIssues([
+        $checks = [
             'credit_account_negative' => [
                 'message' => '玩家授信账户额度、已用或冻结为负数',
                 'sql' => 'select count(*) as cnt from player_credit_accounts where credit_limit < 0 or used_credit < 0 or frozen_credit < 0',
@@ -113,7 +114,13 @@ final class AuditFinancialChainCommand extends Command
                 'message' => '信用流水引用了不存在的结算账单',
                 'sql' => "select count(*) as cnt from credit_ledger cl where cl.ref_type = 'settlement_bill' and not exists (select 1 from settlement_bills sb where sb.id = cl.ref_id)",
             ],
-        ]);
+        ];
+
+        if (! Schema::hasColumn('players', 'funding_mode')) {
+            unset($checks['credit_players_without_account']);
+        }
+
+        return $this->countIssues($checks);
     }
 
     /**