diff --git a/jsowell-common/src/main/java/com/jsowell/common/enums/adapay/AdapayOpenActionEnum.java b/jsowell-common/src/main/java/com/jsowell/common/enums/adapay/AdapayOpenActionEnum.java
index 97edd2982..c90882850 100644
--- a/jsowell-common/src/main/java/com/jsowell/common/enums/adapay/AdapayOpenActionEnum.java
+++ b/jsowell-common/src/main/java/com/jsowell/common/enums/adapay/AdapayOpenActionEnum.java
@@ -15,7 +15,7 @@ public enum AdapayOpenActionEnum {
     RESUBMIT_CORP_MEMBER("RESUBMIT_CORP_MEMBER", "重新提交企业开户"),
     CREATE_SETTLE_ACCOUNT("CREATE_SETTLE_ACCOUNT", "创建结算账户"),
     DELETE_SETTLE_ACCOUNT("DELETE_SETTLE_ACCOUNT", "删除结算账户"),
-    DELETE_MEMBER("DELETE_MEMBER", "删除汇付用户");
+    DELETE_MEMBER("DELETE_MEMBER", "删除账户（本地解绑）");
 
     private final String value;
     private final String label;
diff --git a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
index 2f89f7e03..ae7bef85b 100644
--- a/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/adapay/service/AdapayService.java
@@ -83,6 +83,9 @@ public class AdapayService {
     @Autowired
     private PileMerchantInfoService pileMerchantInfoService;
 
+    @Autowired
+    private StationSplitConfigService stationSplitConfigService;
+
     @Autowired
     private MemberBasicInfoService memberBasicInfoService;
 
@@ -635,6 +638,11 @@ public class AdapayService {
         settleCountParams.put("app_id", config.getAdapayAppId());
         Map<String, Object> settleCount = SettleAccount.delete(settleCountParams, wechatAppId);
         log.info("创建删除结算账户请求param:{}, result:{}", JSON.toJSONString(settleCountParams), JSON.toJSONString(settleCount));
+        if (settleCount == null
+                || !AdapayStatusEnum.SUCCEEDED.getValue().equals(settleCount.get("status"))) {
+            String errorMsg = settleCount == null ? null : (String) settleCount.get("error_msg");
+            throw new BusinessException("", StringUtils.isNotBlank(errorMsg) ? errorMsg : "删除汇付结算账户失败");
+        }
     }
 
     /**
@@ -1825,7 +1833,16 @@ public class AdapayService {
         if (CollectionUtils.isNotEmpty(selectSettleAccount(dto.getMerchantId()))) {
             throw new BusinessException("", "请先删除结算账户");
         }
-        adapayMemberAccountService.deleteAccountByMerchantId(dto.getMerchantId());
+        assertSettleAccountCanDelete(dto.getMerchantId());
+        int splitStationCount = stationSplitConfigService.countActiveByAdapayMemberId(adapayMemberAccount.getAdapayMemberId());
+        if (splitStationCount > 0) {
+            throw new BusinessException("", String.format("当前账户仍被%d个站点的分账配置引用，请先调整分账配置", splitStationCount));
+        }
+        int deleted = adapayMemberAccountService.deleteCurrentAccount(
+                adapayMemberAccount.getId(), dto.getMerchantId(), adapayMemberAccount.getAdapayMemberId());
+        if (deleted != 1) {
+            throw new BusinessException("", "账户状态已变化，请刷新后重试");
+        }
     }
 
     /**
@@ -2014,6 +2031,7 @@ public class AdapayService {
             case CORP_OPENED_NO_SETTLE:
                 actions.add(AdapayOpenActionEnum.CREATE_SETTLE_ACCOUNT.getValue());
                 actions.add(AdapayOpenActionEnum.UPDATE_CORP_MEMBER.getValue());
+                actions.add(AdapayOpenActionEnum.DELETE_MEMBER.getValue());
                 break;
             case CORP_COMPLETED:
                 actions.add(AdapayOpenActionEnum.UPDATE_CORP_MEMBER.getValue());
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/AdapayMemberAccountMapper.java b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/AdapayMemberAccountMapper.java
index daa906b51..c0cff6092 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/AdapayMemberAccountMapper.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/AdapayMemberAccountMapper.java
@@ -120,11 +120,9 @@ public interface AdapayMemberAccountMapper {
 
     AdapayMemberAccount selectByMemberId(String memberId);
 
-    /**
-     * 通过运营商id删除账户信息
-     * @param merchantId
-     */
-    void deleteAccountByMerchantId(String merchantId);
+    int deleteCurrentAccount(@Param("id") Integer id,
+                             @Param("merchantId") String merchantId,
+                             @Param("adapayMemberId") String adapayMemberId);
 
     void clearSettleAccountByMerchantId(String merchantId);
 
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/StationSplitConfigMapper.java b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/StationSplitConfigMapper.java
index 3ada7f155..53a22d707 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/mapper/StationSplitConfigMapper.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/mapper/StationSplitConfigMapper.java
@@ -35,4 +35,6 @@ public interface StationSplitConfigMapper {
      * @return
      */
     List<SplitConfigStationVO> queryStationList(String adapayMemberId);
+
+    int countActiveByAdapayMemberId(String adapayMemberId);
 }
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/AdapayMemberAccountService.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/AdapayMemberAccountService.java
index 09e6e3ddd..a5eb900f7 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/AdapayMemberAccountService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/AdapayMemberAccountService.java
@@ -111,10 +111,9 @@ public interface AdapayMemberAccountService {
     String selectMerchantNameByAdapayMemberId(String adapayMemberId);
 
     /**
-     * 根据运营商id删除记录
-     * @param merchantId
+     * 精确逻辑删除当前有效账户，避免并发开户时误删新记录。
      */
-    void deleteAccountByMerchantId(String merchantId);
+    int deleteCurrentAccount(Integer id, String merchantId, String adapayMemberId);
 
     void clearSettleAccountByMerchantId(String merchantId);
 
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/StationSplitConfigService.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/StationSplitConfigService.java
index 84217da14..8fe8ce7bc 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/StationSplitConfigService.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/StationSplitConfigService.java
@@ -59,4 +59,6 @@ public interface StationSplitConfigService {
      * @return
      */
     Map<String,List<SplitConfigStationVO>> queryStationList(SplitConfigStationDTO splitConfigStationDTO);
+
+    int countActiveByAdapayMemberId(String adapayMemberId);
 }
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/AdapayMemberAccountServiceImpl.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/AdapayMemberAccountServiceImpl.java
index 6f1e9c50f..7a69495cb 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/AdapayMemberAccountServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/AdapayMemberAccountServiceImpl.java
@@ -270,9 +270,12 @@ public class AdapayMemberAccountServiceImpl implements AdapayMemberAccountServic
     }
 
     @Override
-    public void deleteAccountByMerchantId(String merchantId) {
-        adapayMemberAccountMapper.deleteAccountByMerchantId(merchantId);
-        redisCache.deleteObject(CacheConstants.ADAPAY_MEMBER_ACCOUNT + merchantId);
+    public int deleteCurrentAccount(Integer id, String merchantId, String adapayMemberId) {
+        int result = adapayMemberAccountMapper.deleteCurrentAccount(id, merchantId, adapayMemberId);
+        if (result > 0) {
+            redisCache.deleteObject(CacheConstants.ADAPAY_MEMBER_ACCOUNT + merchantId);
+        }
+        return result;
     }
 
     @Override
diff --git a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/StationSplitConfigServiceImpl.java b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/StationSplitConfigServiceImpl.java
index 6390bf0dc..45307b519 100644
--- a/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/StationSplitConfigServiceImpl.java
+++ b/jsowell-pile/src/main/java/com/jsowell/pile/service/impl/StationSplitConfigServiceImpl.java
@@ -316,4 +316,9 @@ public class StationSplitConfigServiceImpl implements StationSplitConfigService{
         return stationMap;
     }
 
+    @Override
+    public int countActiveByAdapayMemberId(String adapayMemberId) {
+        return stationSplitConfigMapper.countActiveByAdapayMemberId(adapayMemberId);
+    }
+
 }
diff --git a/jsowell-pile/src/main/resources/mapper/pile/AdapayMemberAccountMapper.xml b/jsowell-pile/src/main/resources/mapper/pile/AdapayMemberAccountMapper.xml
index 9fa6df73f..34fda3624 100644
--- a/jsowell-pile/src/main/resources/mapper/pile/AdapayMemberAccountMapper.xml
+++ b/jsowell-pile/src/main/resources/mapper/pile/AdapayMemberAccountMapper.xml
@@ -572,11 +572,14 @@
         and adapay_member_id = #{memberId,jdbcType=VARCHAR}
     </select>
 
-  <update id="deleteAccountByMerchantId">
+  <update id="deleteCurrentAccount">
     update
       adapay_member_account
-    set del_flag = '1'
-    where merchant_id = #{merchantId,jdbcType=VARCHAR}
+    set del_flag = '1',
+        update_time = now()
+    where id = #{id,jdbcType=INTEGER}
+    and merchant_id = #{merchantId,jdbcType=VARCHAR}
+    and adapay_member_id = #{adapayMemberId,jdbcType=VARCHAR}
     and del_flag = '0'
   </update>
 
diff --git a/jsowell-pile/src/main/resources/mapper/pile/StationSplitConfigMapper.xml b/jsowell-pile/src/main/resources/mapper/pile/StationSplitConfigMapper.xml
index 1225b797e..10c58c856 100644
--- a/jsowell-pile/src/main/resources/mapper/pile/StationSplitConfigMapper.xml
+++ b/jsowell-pile/src/main/resources/mapper/pile/StationSplitConfigMapper.xml
@@ -41,6 +41,13 @@
     where t1.adapay_member_id = #{adapayMemberId}
   </select>
 
+  <select id="countActiveByAdapayMemberId" resultType="int">
+    select count(distinct station_id)
+    from station_split_config
+    where adapay_member_id = #{adapayMemberId}
+    and del_flag = '0'
+  </select>
+
   <insert id="batchInsert" parameterType="map">
     <!--@mbg.generated-->
     insert into station_split_config