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 f545b00f..68b6bd4e 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
@@ -92,6 +92,9 @@ 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()
@@ -113,8 +116,6 @@ public class UserBankTransferGoldCmdExe {
 
       boolean freight = freightBalanceService.existsBalance(cmd.getAcceptUserId());
 
-      // 获得区域兑换比例金币比例
-      Double goldRatio = getExchangeGoldRatio(cmd);
       BigDecimal goldQuantity = BigDecimal.valueOf(goldRatio).multiply(cmd.getAmount()).setScale(0, RoundingMode.DOWN);
       // 发送金额
       sendGold(cmd, freight, goldQuantity, bankRunWaterId, "转账金币");