diff --git a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
index f98ded3ae..96c0eba91 100644
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayMemberService.java
@@ -83,9 +83,13 @@ public class AdapayMemberService {
         // 银行账户类型：1-对公；2-对私
         accountInfo.put("bank_acct_type", dto.getBankAcctType());
         // 银行账户开户银行所在省份编码 （省市编码），银行账户类型为对公时，必填
-        accountInfo.put("prov_code", dto.getProvCode());
+        if (StringUtils.isNotBlank(dto.getProvCode())) {
+            accountInfo.put("prov_code", dto.getProvCode());
+        }
         // 银行账户开户银行所在地区编码（省市编码），银行账户类型为对公时，必填
-        accountInfo.put("area_code", dto.getAreaCode());
+        if (StringUtils.isNotBlank(dto.getAreaCode())) {
+            accountInfo.put("area_code", dto.getAreaCode());
+        }
 
         Map<String, Object> settleCountParams = Maps.newHashMap();
         settleCountParams.put("member_id", adapayMemberId);
@@ -93,6 +97,7 @@ public class AdapayMemberService {
         // channel String Y 目前仅支持：bank_account（银行卡）
         settleCountParams.put("channel", "bank_account");
         settleCountParams.put("account_info", accountInfo);
+        log.info("创建汇付结算账户param:{}", settleCountParams);
         Map<String, Object> settleCount = SettleAccount.create(settleCountParams);
         log.info("创建汇付结算账户result:{}", settleCount);