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 3c305c4e3e..7d95ece6dc 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
@@ -752,11 +752,13 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
         }
         boolean isTure = false;
         boolean isTure2 = false;
-        if (jmRate.compareTo(rate1) < 0) {
-            isTure = true;
-        }
-        if (jmRate.compareTo(rate2) < 0) {
-            isTure2 = true;
+        if (fund.compareTo(BigDecimal.ZERO) > 0) {
+            if (jmRate.compareTo(rate1) < 0) {
+                isTure = true;
+            }
+            if (jmRate.compareTo(rate2) < 0) {
+                isTure2 = true;
+            }
         }
         variables.put("isTure", isTure);
         variables.put("isTure2", isTure2);
@@ -894,11 +896,13 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
         }
         boolean isTure = false;
         boolean isTure2 = false;
-        if (jmRate.compareTo(rate1) < 0) {
-            isTure = true;
-        }
-        if (jmRate.compareTo(rate2) < 0) {
-            isTure2 = true;
+        if (fund.compareTo(BigDecimal.ZERO) > 0) {
+            if (jmRate.compareTo(rate1) < 0) {
+                isTure = true;
+            }
+            if (jmRate.compareTo(rate2) < 0) {
+                isTure2 = true;
+            }
         }
         variables.put("isTure", isTure);
         variables.put("isTure2", isTure2);
@@ -2422,11 +2426,13 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
         }
         boolean isTure = false;
         boolean isTure2 = false;
-        if (jmRate.compareTo(rate1) < 0) {
-            isTure = true;
-        }
-        if (jmRate.compareTo(rate2) < 0) {
-            isTure2 = true;
+        if (fund.compareTo(BigDecimal.ZERO) > 0) {
+            if (jmRate.compareTo(rate1) < 0) {
+                isTure = true;
+            }
+            if (jmRate.compareTo(rate2) < 0) {
+                isTure2 = true;
+            }
         }
         variables.put("isTure", isTure);
         variables.put("isTure2", isTure2);
@@ -2468,11 +2474,13 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
         }
         boolean isTure = false;
         boolean isTure2 = false;
-        if (jmRate.compareTo(rate1) < 0) {
-            isTure = true;
-        }
-        if (jmRate.compareTo(rate2) < 0) {
-            isTure2 = true;
+        if (fund.compareTo(BigDecimal.ZERO) > 0) {
+            if (jmRate.compareTo(rate1) < 0) {
+                isTure = true;
+            }
+            if (jmRate.compareTo(rate2) < 0) {
+                isTure2 = true;
+            }
         }
         variables.put("isTure", isTure);
         variables.put("isTure2", isTure2);
@@ -2527,11 +2535,13 @@ public class LoanSettleApplyService extends MybatisBaseService<LoanSettleApplyMa
                 }
                 boolean isTure = false;
                 boolean isTure2 = false;
-                if (jmRate.compareTo(rate1) < 0) {
-                    isTure = true;
-                }
-                if (jmRate.compareTo(rate2) < 0) {
-                    isTure2 = true;
+                if (fund.compareTo(BigDecimal.ZERO) > 0) {
+                    if (jmRate.compareTo(rate1) < 0) {
+                        isTure = true;
+                    }
+                    if (jmRate.compareTo(rate2) < 0) {
+                        isTure2 = true;
+                    }
                 }
                 variables.put("isTure", isTure);
                 variables.put("isTure2", isTure2);