diff --git a/coolstore-partner-model/src/main/java/com/cool/store/vo/fees/PayeeBankConfigVO.java b/coolstore-partner-model/src/main/java/com/cool/store/vo/fees/PayeeBankConfigVO.java
index efb8a5408..ba2b2661a 100644
--- a/coolstore-partner-model/src/main/java/com/cool/store/vo/fees/PayeeBankConfigVO.java
+++ b/coolstore-partner-model/src/main/java/com/cool/store/vo/fees/PayeeBankConfigVO.java
@@ -2,7 +2,10 @@ package com.cool.store.vo.fees;
 
 import com.cool.store.enums.master.BrandTypeEnum;
 import io.swagger.annotations.ApiModelProperty;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
 import lombok.Data;
+import lombok.NoArgsConstructor;
 
 import java.util.Date;
 
@@ -10,6 +13,9 @@ import java.util.Date;
  * 线下收款银行配置VO
  */
 @Data
+@AllArgsConstructor
+@NoArgsConstructor
+@Builder
 public class PayeeBankConfigVO {
     @ApiModelProperty("id")
     private Long id;
diff --git a/coolstore-partner-service/src/main/java/com/cool/store/service/fees/impl/PayeeBankConfigServiceImpl.java b/coolstore-partner-service/src/main/java/com/cool/store/service/fees/impl/PayeeBankConfigServiceImpl.java
index bb6285fff..c18183f2c 100644
--- a/coolstore-partner-service/src/main/java/com/cool/store/service/fees/impl/PayeeBankConfigServiceImpl.java
+++ b/coolstore-partner-service/src/main/java/com/cool/store/service/fees/impl/PayeeBankConfigServiceImpl.java
@@ -1,6 +1,7 @@
 package com.cool.store.service.fees.impl;
 
 import cn.hutool.core.collection.CollStreamUtil;
+import com.alibaba.fastjson.JSONObject;
 import com.cool.store.constants.RedisConstant;
 import com.cool.store.context.CurrentUserHolder;
 import com.cool.store.dao.EnterpriseUserDAO;
@@ -21,6 +22,7 @@ import com.cool.store.request.fees.PayeeBankConfigPageRequest;
 import com.cool.store.service.fees.PayeeBankConfigService;
 import com.cool.store.utils.BeanUtil;
 import com.cool.store.utils.RedisUtilPool;
+import com.cool.store.utils.poi.StringUtils;
 import com.cool.store.vo.fees.PayeeBankConfigVO;
 import com.github.pagehelper.PageHelper;
 import com.github.pagehelper.PageInfo;
@@ -97,13 +99,33 @@ public class PayeeBankConfigServiceImpl implements PayeeBankConfigService {
         }
         FranchiseFeeDO franchiseFeeDO = franchiseFeeDAO.selectByShopId(shopId);
         if (Objects.isNull(payType) && (Objects.isNull(franchiseFeeDO) || Objects.isNull(franchiseFeeDO.getPayType()))) {
-            throw new ServiceException(ErrorCodeEnum.NO_PAYMENT_METHOD_IS_SET);
+            return getDefaultBankConfig(shopInfo.getFranchiseBrand());
         }
         RegionDO regionDO = regionDao.getRegionById(shopInfo.getInvestRegionId());
+        if (Objects.isNull(regionDO)) {
+            return getDefaultBankConfig(shopInfo.getFranchiseBrand());
+        }
         PayeeBankConfigDO configDO = payeeBankConfigDAO.getByUniqueKey(Integer.valueOf(shopInfo.getFranchiseBrand()), Long.valueOf(regionDO.getParentId()), Objects.nonNull(payType) ? payType : franchiseFeeDO.getPayType());
         return BeanUtil.toBean(configDO, PayeeBankConfigVO.class);
     }
 
+    public PayeeBankConfigVO getDefaultBankConfig(String franchiseBrand) {
+        String bankInfoStr = redisUtilPool.getString(RedisConstant.BUILD_RECEIVE_BANK_INFO + ":" + franchiseBrand);
+        if (StringUtils.isBlank(bankInfoStr)) {
+            bankInfoStr = redisUtilPool.getString(RedisConstant.BUILD_RECEIVE_BANK_INFO + ":1");
+        }
+        if (StringUtils.isNotBlank(bankInfoStr)) {
+            JSONObject bankInfo = JSONObject.parseObject(bankInfoStr);
+            return PayeeBankConfigVO.builder()
+                    .payeeName(bankInfo.getString("receivingFirmName"))
+                    .payeeAccount(bankInfo.getString("receivingMsBankAccount"))
+//                    .payeeBank()
+                    .payeeBankBranch(bankInfo.getString("receivingMsBankBranch"))
+                    .build();
+        }
+        return null;
+    }
+
     /**
      * 校验：
      * 1) 加盟品牌+招商分部+付款方式唯一
diff --git a/coolstore-partner-service/src/main/java/com/cool/store/service/fees/impl/ShopAllocationInfoServiceImpl.java b/coolstore-partner-service/src/main/java/com/cool/store/service/fees/impl/ShopAllocationInfoServiceImpl.java
index f689262a3..94933969a 100644
--- a/coolstore-partner-service/src/main/java/com/cool/store/service/fees/impl/ShopAllocationInfoServiceImpl.java
+++ b/coolstore-partner-service/src/main/java/com/cool/store/service/fees/impl/ShopAllocationInfoServiceImpl.java
@@ -20,6 +20,7 @@ import com.cool.store.utils.BeanUtil;
 import com.cool.store.vo.dict.DictColumnSimpleVO;
 import com.cool.store.vo.fees.ShopAllocationSimpleVO;
 import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
 import org.apache.commons.collections4.CollectionUtils;
 import org.springframework.stereotype.Service;
 
@@ -37,6 +38,7 @@ import java.util.stream.Collectors;
  */
 @Service
 @RequiredArgsConstructor
+@Slf4j
 public class ShopAllocationInfoServiceImpl implements ShopAllocationInfoService {
     private final ShopAllocationInfoDAO shopAllocationInfoDAO;
     private final SysDictColumnDAO dictColumnDAO;
@@ -112,6 +114,10 @@ public class ShopAllocationInfoServiceImpl implements ShopAllocationInfoService
             throw new ServiceException(ErrorCodeEnum.SHOP_NOT_EXIST);
         }
         RegionDO regionDO = regionDao.getRegionById(shopInfo.getInvestRegionId());
+        if (Objects.isNull(regionDO)) {
+            log.error("未分配招商区域");
+            return Collections.emptyList();
+        }
         Integer joinBrand = Integer.valueOf(shopInfo.getFranchiseBrand());
         // 查询分账公司配置
         List<WalletAllocationConfigDO> allocationConfigList = walletAllocationConfigDAO.selectByBrandAndInvest(joinBrand, Long.valueOf(regionDO.getParentId()));