diff --git a/bd-business/bd-business-system/src/main/java/com/hzs/system/config/provider/ServiceChargeServiceProvider.java b/bd-business/bd-business-system/src/main/java/com/hzs/system/config/provider/ServiceChargeServiceProvider.java
index ba171d3a..79dad248 100644
--- a/bd-business/bd-business-system/src/main/java/com/hzs/system/config/provider/ServiceChargeServiceProvider.java
+++ b/bd-business/bd-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;
 
@@ -32,7 +33,15 @@ public class ServiceChargeServiceProvider implements IServiceChargeServiceApi {
      **/
     @Override
     public R<ServiceChargeDTO> getServiceChargeByType(ServiceChargeDTO serviceChargeDTO) {
-        return R.ok(serviceChargeService.getServiceChargeByType(serviceChargeDTO));
+        ServiceChargeDTO dto = serviceChargeService.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