diff --git a/bd-third/src/main/java/com/hzs/third/pay/service/impl/JdPayServiceImpl.java b/bd-third/src/main/java/com/hzs/third/pay/service/impl/JdPayServiceImpl.java
index 1d69fcbc..aa79bc01 100644
--- a/bd-third/src/main/java/com/hzs/third/pay/service/impl/JdPayServiceImpl.java
+++ b/bd-third/src/main/java/com/hzs/third/pay/service/impl/JdPayServiceImpl.java
@@ -47,6 +47,7 @@ import javax.annotation.Resource;
 import java.math.BigDecimal;
 import java.net.InetAddress;
 import java.util.ArrayList;
+import java.util.Comparator;
 import java.util.List;
 import java.util.concurrent.TimeUnit;
 
@@ -259,6 +260,7 @@ public class JdPayServiceImpl implements IJdPayService {
             List<TOnlinePaymentSepAccD> sepAccDList = new ArrayList<>();
             if(ObjectUtil.isNotEmpty(jdPayBankProperties)){
                 List<JdPaySeparateAccountConfig> separateAccounts = jdPayBankProperties.getSeparateAccounts();
+                separateAccounts.sort(Comparator.comparing(JdPaySeparateAccountConfig::getProportion).reversed());
                 if(ObjectUtil.isNotEmpty(separateAccounts)){
                     BigDecimal tradeAmount = onlinePayment.getPayMoney();
                     BigDecimal remaining = onlinePayment.getPayMoney();
@@ -267,23 +269,27 @@ public class JdPayServiceImpl implements IJdPayService {
                         BigDecimal subTradeAmount;
                         if(i == separateAccounts.size() - 1){
                             subTradeAmount = remaining;
+                            log.info("分账 最后一个账户( 总 - 已分账 ) : {}, {}", subTradeAmount, remaining);
                         }else{
                             subTradeAmount = tradeAmount.subtract(tradeAmount.multiply(separateAccount.getProportion().setScale(2, BigDecimal.ROUND_DOWN)).setScale(2, BigDecimal.ROUND_DOWN));
                             remaining = remaining.subtract(subTradeAmount).setScale(2, BigDecimal.ROUND_DOWN);
+                            log.info("分账 过程 : {}, {}, {}", subTradeAmount, remaining, separateAccount.getProportion().setScale(2, BigDecimal.ROUND_DOWN));
                         }
                         JdPayDivisionAccountTradeInfo divisionAccountTradeInfo = new JdPayDivisionAccountTradeInfo();
                         divisionAccountTradeInfo.setMerchantNo(separateAccount.getAccount());
                         divisionAccountTradeInfo.setOutTradeNo(onlinePayment.getBusinessCode() + "_" + (i + 1));
                         divisionAccountTradeInfo.setTradeAmount(subTradeAmount.multiply(new BigDecimal(100)).intValue() + "");
-                        divisionAccountTradeInfoList.add(divisionAccountTradeInfo);
-                        sepAccDList.add(
-                                TOnlinePaymentSepAccD.builder()
-                                .account(separateAccount.getAccount())
-                                .proportion(separateAccount.getProportion())
-                                .tradeAmount(subTradeAmount)
-                                .outTradeNo(divisionAccountTradeInfo.getOutTradeNo())
-                                .build()
-                        );
+                        if(subTradeAmount.compareTo(BigDecimal.ZERO) > 0){
+                            divisionAccountTradeInfoList.add(divisionAccountTradeInfo);
+                            sepAccDList.add(
+                                    TOnlinePaymentSepAccD.builder()
+                                            .account(separateAccount.getAccount())
+                                            .proportion(separateAccount.getProportion())
+                                            .tradeAmount(subTradeAmount)
+                                            .outTradeNo(divisionAccountTradeInfo.getOutTradeNo())
+                                            .build()
+                            );
+                        }
                     }
                 }
             }