diff --git a/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java b/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
index 5e1d1e0..c52a8a0 100644
--- a/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
+++ b/src/main/java/com/yn/bftl/thirdparty/modules/chinaums/service/impl/BankCardServiceImpl.java
@@ -143,6 +143,9 @@
         if (CollectionUtils.isNotEmpty(chinaumsAuthInfo.getChinaumsBankCard()) && chinaumsAuthInfo.getChinaumsBankCard().size() >= 10) {
             throw new YnceErrorException(YnceError.YNCE_218027);
         }
+        if (ObjectUtil.isEmpty(chinaumsAuthInfo.getSettleAcctBankName())) {
+            throw new YnceErrorException(YnceError.YNCE_201044);
+        }
 
         ByxChinaumsAcctBindBankCardDTO byxChinaumsAcctBindBankCardDTO = new ByxChinaumsAcctBindBankCardDTO();
         BeanUtil.copyProperties(chinaumsAddBankCardDTO, byxChinaumsAcctBindBankCardDTO);
@@ -189,7 +192,8 @@
         byxChinaumsAcctBindBankCardDTO.setElecBankNo(chinaumsAuthInfo.getElecBankNo());
         byxChinaumsAcctBindBankCardDTO.setIdCard(chinaumsAuthInfo.getIdCardNumber());
         byxChinaumsAcctBindBankCardDTO.setWalletId(company.getWalletId());
-        byxChinaumsAcctBindBankCardDTO.setBankAcctName(chinaumsAuthInfo.getSettleAcctBankName());
+        // 对公账户 取开户名
+        byxChinaumsAcctBindBankCardDTO.setBankAcctName(chinaumsAuthInfo.getSettleAcctName());
         byxChinaumsAcctBindBankCardDTO.setBankNo(bankLineNumber.getThreeDigitBranchCode());
 
         try {