diff --git a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansettleapply/LoanSettleApplyService.java b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansettleapply/LoanSettleApplyService.java
index 7d95ece6dc..caf42d4235 100644
--- a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansettleapply/LoanSettleApplyService.java
+++ b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansettleapply/LoanSettleApplyService.java
@@ -879,11 +879,15 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
         BigDecimal rate2 = new BigDecimal("0.144"); //利率14.4%
         BigDecimal fund = BigDecimal.ZERO; //减免后的占用费年利率
         BigDecimal fundJm = BigDecimal.ZERO; //减免后的占用费年利率
+        BigDecimal depositJZ = BigDecimal.ZERO; //结转贷款保证金
         LoanSettleCompanyCost companyCost = loanSettleCompanyCostService.selectByMainSid(businessSid);
         if (null != companyCost) {
             if (null != companyCost.getFunfCost()) {
                 fund = companyCost.getFunfCost();
             }
+            if (null != companyCost.getLoanDeposit()) {
+                depositJZ = companyCost.getLoanDeposit();
+            }
         }
         LoanSettleCompanyReduction reduction2 = loanSettleCompanyReductionService.selectByMainSid(businessSid);
         if (null != reduction2) {
@@ -949,8 +953,14 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
                 reliefMoney(loanSettleApply);
                 if (amountTo.compareTo(BigDecimal.ZERO) <= 0) {
                     //减免后结清合计 <= 0
-                    //结转剩余保证金
-                    carryForward(loanSettleApply);
+                    int check = 0;// 0不推抵顶保证金凭证 1推送
+                    //结清合计 + 贷款保证金结转金额
+                    BigDecimal add = amountTo.add(depositJZ);
+                    if (add.compareTo(BigDecimal.ZERO) > 0) {
+                        //结转剩余保证金
+                        carryForward(loanSettleApply);
+                        check = 1;
+                    }
                     //设置结清申请的“客户结清确认”状态为是
                     loanSettleApply.setState(1);
                     //更新车辆表结清状态
@@ -960,7 +970,7 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
                     //设置认款月还为已转付
                     updatePaymentStateByBusVinSid(loanSettleApply.getBusVinSid());
                     //推送财务凭证
-                    pushSettleVoucher(loanSettleApply);
+                    pushSettleVoucher(loanSettleApply,check);
                 }
                 baseMapper.updateById(loanSettleApply);
             } else {
@@ -1153,9 +1163,6 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
     private void carryForward(LoanSettleApply loanSettleApply) {
         String userSid = loanSettleApply.getCreateBySid();
         BigDecimal deposit = BigDecimal.ZERO; // 贷款保证金 - （扣罚金额-贷款保证金减免）
-//        BigDecimal depositKF = BigDecimal.ZERO; // 贷款保证金 - （扣罚金额-贷款保证金减免）
-//        BigDecimal depositJM = BigDecimal.ZERO; // 贷款保证金 - （扣罚金额-贷款保证金减免）
-//        BigDecimal amountTo = BigDecimal.ZERO; // 资方结清合计
         String busVinSid = loanSettleApply.getBusVinSid();
         List<LoanRepaymentHistory> histories = new ArrayList<>();//还款记录
         List<LoanRepaymentPlanDetails> updatePsList = new ArrayList<>();//还款计划明细集合
@@ -1172,24 +1179,7 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
             if (null != companyCost.getLoanDeposit()) {
                 deposit = companyCost.getLoanDeposit();
             }
-//            if (null != companyCost.getDeductionAmount()) {
-//                depositKF = companyCost.getDeductionAmount();
-//            }
         }
-//        LoanSettleCompanyReduction reduction = loanSettleCompanyReductionService.selectByMainSid(loanSettleApply.getSid());
-//        if (null != reduction) {
-//            if (null != reduction.getDepositPenalty()) {
-//                depositJM = reduction.getDepositPenalty();
-//            }
-//            if (null != reduction.getAmountTo()) {
-//                amountTo = reduction.getAmountTo();
-//            }
-//        }
-//        if (amountTo.compareTo(BigDecimal.ZERO) > 0) {
-//            deposit = deposit.subtract(depositKF).add(depositJM);
-//        } else if (amountTo.compareTo(BigDecimal.ZERO) <= 0) {
-//            deposit = deposit.subtract(depositKF).add(depositJM).add(amountTo);
-//        }
         //按照顺序结转
         //月还
         if (deposit.compareTo(BigDecimal.ZERO) > 0) {
@@ -1639,7 +1629,7 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
     }
 
     //--------推送财务结清凭证------------------
-    private void pushSettleVoucher(LoanSettleApply loanSettleApply) {
+    private void pushSettleVoucher(LoanSettleApply loanSettleApply,int check) {
         String sid = loanSettleApply.getSid();
         LoanSettleCompanyCost companyCost = loanSettleCompanyCostService.selectByMainSid(sid);
         LoanSettleCompanyReduction reduction = loanSettleCompanyReductionService.selectByMainSid(sid);
@@ -1753,14 +1743,16 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
                 voucherDetails.add(voucherDetail);
             }
             //剩余贷款保证金结转
-            if (sybzj.compareTo(BigDecimal.ZERO) > 0) {
-                GeneralVoucher.GeneralVoucherDetail voucherDetail = new GeneralVoucher.GeneralVoucherDetail();
-                voucherDetail.setSceneCode("剩余贷款保证金结转");
-                voucherDetail.setBankName(planDetails.getBankName());
-                voucherDetail.setDeptCode(deptCode);
-                voucherDetail.setCustomerCode(customerNumber);
-                voucherDetail.setAmount(sybzj);
-                voucherDetails.add(voucherDetail);
+            if (check == 1) {
+                if (sybzj.compareTo(BigDecimal.ZERO) > 0) {
+                    GeneralVoucher.GeneralVoucherDetail voucherDetail = new GeneralVoucher.GeneralVoucherDetail();
+                    voucherDetail.setSceneCode("剩余贷款保证金结转");
+                    voucherDetail.setBankName(planDetails.getBankName());
+                    voucherDetail.setDeptCode(deptCode);
+                    voucherDetail.setCustomerCode(customerNumber);
+                    voucherDetail.setAmount(sybzj);
+                    voucherDetails.add(voucherDetail);
+                }
             }
             //贷款保证金扣罚
             if (bzjKFCw.compareTo(BigDecimal.ZERO) > 0) {
@@ -2882,6 +2874,7 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
         }
         loanSettleApply.setState(1);
         baseMapper.updateById(loanSettleApply);
+        //结转剩余保证金
         carryForward(loanSettleApply);
         //更新车辆表结清状态
         baseMapper.updateBus(loanSettleApply.getBusVinSid(), "1");
@@ -2890,7 +2883,7 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
         //设置认款月还为已转付
         updatePaymentStateByBusVinSid(loanSettleApply.getBusVinSid());
         //推送财务凭证
-        pushSettleVoucher(loanSettleApply);
+        pushSettleVoucher(loanSettleApply,1);
         return rb.success();
     }