diff --git a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
index 68b6bd4e..dfbea890 100644
--- a/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
+++ b/rc-service/rc-service-wallet/wallet-application/src/main/java/com/red/circle/wallet/app/command/bank/UserBankTransferGoldCmdExe.java
@@ -85,6 +85,9 @@ public class UserBankTransferGoldCmdExe {
       ResponseAssert.isTrue(WalletErrorCode.INSUFFICIENT_BALANCE,
           ArithmeticUtils.gte(balance, cmd.getAmount()));
 
+      // 获得区域兑换比例金币比例
+      Double goldRatio = getExchangeGoldRatio(cmd);
+
       // 扣钱
       BankBalanceDTO decrUserBankBalanceDTO = userBankBalanceService.decr(cmd.requiredReqUserId(),
           PennyAmount.ofDollar(cmd.getAmount()));
@@ -92,9 +95,6 @@ public class UserBankTransferGoldCmdExe {
 
       Long bankRunWaterId = IdWorkerUtils.getId();
 
-      // 获得区域兑换比例金币比例
-      Double goldRatio = getExchangeGoldRatio(cmd);
-
       // 银行卡流水
       userBankRunningWaterService.add(
           new UserBankRunningWater()