diff --git a/hzs-business/hzs-business-system/src/main/java/com/hzs/system/config/provider/ServiceChargeServiceProvider.java b/hzs-business/hzs-business-system/src/main/java/com/hzs/system/config/provider/ServiceChargeServiceProvider.java
index ba171d3a..8740be9f 100644
--- a/hzs-business/hzs-business-system/src/main/java/com/hzs/system/config/provider/ServiceChargeServiceProvider.java
+++ b/hzs-business/hzs-business-system/src/main/java/com/hzs/system/config/provider/ServiceChargeServiceProvider.java
@@ -7,6 +7,7 @@ import com.hzs.system.config.service.IBdServiceChargeService;
 import org.apache.dubbo.config.annotation.DubboService;
 import org.springframework.beans.factory.annotation.Autowired;
 
+import java.math.BigDecimal;
 import java.util.ArrayList;
 import java.util.List;
 
@@ -21,7 +22,7 @@ import java.util.List;
 public class ServiceChargeServiceProvider implements IServiceChargeServiceApi {
 
     @Autowired
-    private IBdServiceChargeService serviceChargeService;
+    private IBdServiceChargeService iBdServiceChargeService;
 
     /**
      * @description: 根据业务类型查询扣款
@@ -32,14 +33,22 @@ public class ServiceChargeServiceProvider implements IServiceChargeServiceApi {
      **/
     @Override
     public R<ServiceChargeDTO> getServiceChargeByType(ServiceChargeDTO serviceChargeDTO) {
-        return R.ok(serviceChargeService.getServiceChargeByType(serviceChargeDTO));
+        ServiceChargeDTO dto = iBdServiceChargeService.getServiceChargeByType(serviceChargeDTO);
+        if (null == dto) {
+            // 如果没有配置业务办理手续费，给一个从现金币扣款为0的
+            dto = ServiceChargeDTO.builder()
+                    .cost(BigDecimal.ZERO)
+                    .pkAccount(1)
+                    .build();
+        }
+        return R.ok(dto);
     }
 
     @Override
     public R<List<ServiceChargeDTO>> getServiceChargeByType(List<ServiceChargeDTO> serviceChargeDTOList) {
         List<ServiceChargeDTO> resultList = new ArrayList<>();
         for (ServiceChargeDTO serviceChargeDTO : serviceChargeDTOList) {
-            ServiceChargeDTO dto = serviceChargeService.getServiceChargeByType(serviceChargeDTO);
+            ServiceChargeDTO dto = iBdServiceChargeService.getServiceChargeByType(serviceChargeDTO);
             if (null != dto) {
                 resultList.add(dto);
             }
diff --git a/hzs-business/hzs-business-system/src/main/java/com/hzs/system/config/service/impl/BdAccountServiceImpl.java b/hzs-business/hzs-business-system/src/main/java/com/hzs/system/config/service/impl/BdAccountServiceImpl.java
index 6bcb5f2d..8b048b8d 100644
--- a/hzs-business/hzs-business-system/src/main/java/com/hzs/system/config/service/impl/BdAccountServiceImpl.java
+++ b/hzs-business/hzs-business-system/src/main/java/com/hzs/system/config/service/impl/BdAccountServiceImpl.java
@@ -1,6 +1,6 @@
 package com.hzs.system.config.service.impl;
 
-import com.baomidou.mybatisplus.core.conditions.query.QueryWrapper;
+import com.baomidou.mybatisplus.core.conditions.query.LambdaQueryWrapper;
 import com.baomidou.mybatisplus.extension.service.impl.ServiceImpl;
 import com.hzs.common.core.constant.*;
 import com.hzs.common.core.enums.EAccount;
@@ -30,12 +30,8 @@ import java.util.concurrent.TimeUnit;
 @Service
 public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount> implements IBdAccountService {
 
-    private RedisService redisService;
-
     @Autowired
-    public void setRedisService(RedisService redisService) {
-        this.redisService = redisService;
-    }
+    private RedisService redisService;
 
     /**
      * 根据条件查找对应的币种配置
@@ -72,30 +68,30 @@ public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount
      **/
     @Override
     public List<BdAccount> queryAccountByType(Integer accountProperty, Integer pkCountry) {
-        QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
+        LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
         if (StringUtils.isNotNull(accountProperty) && accountProperty == EAccountProperty.IS_RECHARGE.getValue()) {
-            queryWrapper.eq("IS_RECHARGE", EYesNo.YES.getIntValue());
+            queryWrapper.eq(BdAccount::getIsRecharge, EYesNo.YES.getIntValue());
         }
         if (StringUtils.isNotNull(accountProperty) && accountProperty == EAccountProperty.IS_TRANSFER.getValue()) {
-            queryWrapper.eq("IS_TRANSFER", EYesNo.YES.getIntValue());
+            queryWrapper.eq(BdAccount::getIsTransfer, EYesNo.YES.getIntValue());
         }
         if (StringUtils.isNotNull(accountProperty) && accountProperty == EAccountProperty.IS_WITHDRAWAL.getValue()) {
-            queryWrapper.eq("IS_WITHDRAWAL", EYesNo.YES.getIntValue());
+            queryWrapper.eq(BdAccount::getIsWithdrawal, EYesNo.YES.getIntValue());
         }
         if (StringUtils.isNotNull(accountProperty) && accountProperty == EAccountProperty.IS_ON_LINE_RECHARGE.getValue()) {
-            queryWrapper.eq("ON_LINE_RECHARGE", EYesNo.YES.getIntValue());
+            queryWrapper.eq(BdAccount::getOnLineRecharge, EYesNo.YES.getIntValue());
         }
-        queryWrapper.eq("PK_COUNTRY", pkCountry);
-        queryWrapper.le("EFFECTIVE_DATE", new Date());
-        queryWrapper.orderByDesc("EFFECTIVE_DATE");
+        queryWrapper.eq(BdAccount::getPkCountry, pkCountry);
+        queryWrapper.le(BdAccount::getEffectiveDate, new Date());
+        queryWrapper.orderByDesc(BdAccount::getEffectiveDate);
         return baseMapper.selectList(queryWrapper);
     }
 
     @Override
     public List<BdAccount> queryAccountByType(Integer accountType, Collection<Integer> pkCountryList) {
-        QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-        queryWrapper.eq("field_value", accountType);
-        queryWrapper.in(SystemFieldConstants.PK_COUNTRY, pkCountryList);
+        LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+        queryWrapper.eq(BdAccount::getFieldValue, accountType);
+        queryWrapper.in(BdAccount::getPkCountry, pkCountryList);
         return baseMapper.selectList(queryWrapper);
     }
 
@@ -108,11 +104,11 @@ public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount
      **/
     @Override
     public List<BdAccount> memberAccountByType(Integer pkCountry) {
-        QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-        queryWrapper.eq("SHOW_STATUS", EShowStatus.SHOW.getValue());
-        queryWrapper.eq("PK_COUNTRY", pkCountry);
-        queryWrapper.le("EFFECTIVE_DATE", new Date());
-        queryWrapper.orderByDesc("EFFECTIVE_DATE");
+        LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+        queryWrapper.eq(BdAccount::getShowStatus, EShowStatus.SHOW.getValue());
+        queryWrapper.eq(BdAccount::getPkCountry, pkCountry);
+        queryWrapper.le(BdAccount::getEffectiveDate, new Date());
+        queryWrapper.orderByDesc(BdAccount::getEffectiveDate);
         return baseMapper.selectList(queryWrapper);
     }
 
@@ -127,9 +123,9 @@ public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount
     public BdAccount getBdAccount(Integer pkId) {
         BdAccount account = redisService.getCacheObject(CacheConstants.BD_ACCOUNT + pkId);
         if (account == null) {
-            QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-            queryWrapper.eq("PK_ID", pkId);
-            queryWrapper.le("EFFECTIVE_DATE", DateUtils.currentDateTime());
+            LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+            queryWrapper.eq(BdAccount::getPkId, pkId);
+            queryWrapper.le(BdAccount::getEffectiveDate, DateUtils.currentDateTime());
             account = baseMapper.selectOne(queryWrapper);
             if (account != null) {
                 redisService.setCacheObject(CacheConstants.BD_ACCOUNT + pkId, account);
@@ -147,10 +143,10 @@ public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount
      **/
     @Override
     public BdAccount getBdAccountByFieldValue(Integer pkCountry, Integer fieldValue) {
-        QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-        queryWrapper.eq("FIELD_VALUE", fieldValue);
-        queryWrapper.eq(SystemFieldConstants.PK_COUNTRY, pkCountry);
-        queryWrapper.le("EFFECTIVE_DATE", DateUtils.currentDateTime());
+        LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+        queryWrapper.eq(BdAccount::getFieldValue, fieldValue);
+        queryWrapper.eq(BdAccount::getPkCountry, pkCountry);
+        queryWrapper.le(BdAccount::getEffectiveDate, DateUtils.currentDateTime());
         return baseMapper.selectOne(queryWrapper);
     }
 
@@ -189,9 +185,9 @@ public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount
 
     @Override
     public BdAccount queryAccountByCondition(Integer pkCountry) {
-        QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-        queryWrapper.eq(SystemFieldConstants.PK_COUNTRY, pkCountry);
-        queryWrapper.eq("ON_LINE_RECHARGE", EYesNo.YES.getIntValue());
+        LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+        queryWrapper.eq(BdAccount::getPkCountry, pkCountry);
+        queryWrapper.eq(BdAccount::getOnLineRecharge, EYesNo.YES.getIntValue());
         List<BdAccount> bdAccountList = baseMapper.selectList(queryWrapper);
         if (bdAccountList != null && bdAccountList.size() > 0) {
             return bdAccountList.get(0);
@@ -210,8 +206,8 @@ public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount
     public Integer getPkAccount(Integer pkId) {
         Integer pkAccount = redisService.getCacheObject(CacheConstants.BD_ACCOUNT_CHANGE + pkId);
         if (StringUtils.isNull(pkAccount)) {
-            QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-            queryWrapper.eq("PK_ID", pkId);
+            LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+            queryWrapper.eq(BdAccount::getPkId, pkId);
             BdAccount account = baseMapper.selectOne(queryWrapper);
             if (StringUtils.isNotNull(account) && StringUtils.isNotNull(account.getPkBdAccount())) {
                 pkAccount = account.getPkBdAccount();
@@ -225,9 +221,9 @@ public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount
 
     @Override
     public BdAccount queryPostageAccount(Integer pkCountry) {
-        QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-        queryWrapper.eq(SystemFieldConstants.PK_COUNTRY, pkCountry);
-        queryWrapper.eq("IS_POSTAGE", EYesNo.YES.getIntValue());
+        LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+        queryWrapper.eq(BdAccount::getPkCountry, pkCountry);
+        queryWrapper.eq(BdAccount::getIsPostage, EYesNo.YES.getIntValue());
         List<BdAccount> bdAccountList = baseMapper.selectList(queryWrapper);
         if (bdAccountList != null && bdAccountList.size() > 0) {
             return bdAccountList.get(0);
@@ -237,23 +233,23 @@ public class BdAccountServiceImpl extends ServiceImpl<BdAccountMapper, BdAccount
 
     @Override
     public List<BdAccount> queryBdAccount(Integer pkCountry) {
-        QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-        queryWrapper.eq(SystemFieldConstants.ENABLE_STATE, EYesNo.YES.getIntValue());
-        queryWrapper.eq(SystemFieldConstants.PK_COUNTRY, pkCountry);
-        queryWrapper.le(SystemFieldConstants.EFFECTIVE_DATE, DateUtils.currentDateTime());
+        LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+        queryWrapper.eq(BdAccount::getEnableState, EYesNo.YES.getIntValue());
+        queryWrapper.eq(BdAccount::getPkCountry, pkCountry);
+        queryWrapper.le(BdAccount::getEffectiveDate, DateUtils.currentDateTime());
         return baseMapper.selectList(queryWrapper);
     }
 
     @Override
     public List<BdAccount> queryCommissionAccount(Integer pkCountry) {
-        if (null != pkCountry && CountryConstants.CHINA_COUNTRY == pkCountry) {
+        if (CountryConstants.CHINA_COUNTRY.equals(pkCountry)) {
             // 2023.11.08 运营需求，中国手续费为可选消费账户、现金账户、奖金账户
-            QueryWrapper<BdAccount> queryWrapper = new QueryWrapper<>();
-            queryWrapper.eq(SystemFieldConstants.PK_COUNTRY, pkCountry);
-            queryWrapper.eq(SystemFieldConstants.ENABLE_STATE, EYesNo.YES.getIntValue());
-            queryWrapper.le(SystemFieldConstants.EFFECTIVE_DATE, DateUtils.currentDateTime());
-            queryWrapper.in("FIELD_VALUE", Arrays.asList(EAccount.CONSUME.getValue(), EAccount.CASH.getValue(), EAccount.BONUS.getValue()));
-            queryWrapper.orderByAsc("field_value");
+            LambdaQueryWrapper<BdAccount> queryWrapper = new LambdaQueryWrapper<>();
+            queryWrapper.eq(BdAccount::getPkCountry, pkCountry);
+            queryWrapper.eq(BdAccount::getEnableState, EYesNo.YES.getIntValue());
+            queryWrapper.le(BdAccount::getEffectiveDate, DateUtils.currentDateTime());
+            queryWrapper.in(BdAccount::getFieldValue, Arrays.asList(EAccount.CONSUME.getValue(), EAccount.CASH.getValue(), EAccount.BONUS.getValue()));
+            queryWrapper.orderByAsc(BdAccount::getFieldValue);
             return baseMapper.selectList(queryWrapper);
         }
         return new ArrayList<>();