diff --git a/emis-biz/src/main/java/com/xdadan/erp/emis/service/excelCellStrategy/EmisSettlePayRecordCustomExcelUtil.java b/emis-biz/src/main/java/com/xdadan/erp/emis/service/excelCellStrategy/EmisSettlePayRecordCustomExcelUtil.java
index d5620284e..c25ee471f 100644
--- a/emis-biz/src/main/java/com/xdadan/erp/emis/service/excelCellStrategy/EmisSettlePayRecordCustomExcelUtil.java
+++ b/emis-biz/src/main/java/com/xdadan/erp/emis/service/excelCellStrategy/EmisSettlePayRecordCustomExcelUtil.java
@@ -95,41 +95,53 @@ public class EmisSettlePayRecordCustomExcelUtil {
                 createCell(row, 6, data.getBillCodes() != null ? data.getBillCodes() : "", dataStyle);
 
                 // 账单金额
-                BigDecimal billAmount = data.getBillAmount() != null ? data.getBillAmount() : BigDecimal.ZERO;
+                BigDecimal billAmount = data.getBillAmount();
                 createCell(row, 7, billAmount, numberStyle);
-                totalBillAmount = totalBillAmount.add(billAmount);
+                if (billAmount != null && billAmount.compareTo(BigDecimal.ZERO) != 0) {
+                    totalBillAmount = totalBillAmount.add(billAmount);
+                }
 
                 // 开票金额
-                BigDecimal invoiceAmount = data.getInvoiceAmount() != null ? data.getInvoiceAmount() : BigDecimal.ZERO;
+                BigDecimal invoiceAmount = data.getInvoiceAmount();
                 createCell(row, 8, invoiceAmount, numberStyle);
-                totalInvoiceAmount = totalInvoiceAmount.add(invoiceAmount);
+                if (invoiceAmount != null && invoiceAmount.compareTo(BigDecimal.ZERO) != 0) {
+                    totalInvoiceAmount = totalInvoiceAmount.add(invoiceAmount);
+                }
 
                 // 支付金额
-                BigDecimal payMoney = data.getPayMoney() != null ? data.getPayMoney() : BigDecimal.ZERO;
+                BigDecimal payMoney = data.getPayMoney();
                 createCell(row, 9, payMoney, numberStyle);
-                totalPayMoney = totalPayMoney.add(payMoney);
+                if (payMoney != null && payMoney.compareTo(BigDecimal.ZERO) != 0) {
+                    totalPayMoney = totalPayMoney.add(payMoney);
+                }
 
                 // 理赔金额
-                BigDecimal satisfyMoney = data.getSatisfyMoney() != null ? data.getSatisfyMoney() : BigDecimal.ZERO;
+                BigDecimal satisfyMoney = data.getSatisfyMoney();
                 createCell(row, 10, satisfyMoney, numberStyle);
-                totalSatisfyMoney = totalSatisfyMoney.add(satisfyMoney);
+                if (satisfyMoney != null && satisfyMoney.compareTo(BigDecimal.ZERO) != 0) {
+                    totalSatisfyMoney = totalSatisfyMoney.add(satisfyMoney);
+                }
 
                 // 折让金额
-                BigDecimal allowanceMoney = data.getAllowanceMoney() != null ? data.getAllowanceMoney()
-                        : BigDecimal.ZERO;
+                BigDecimal allowanceMoney = data.getAllowanceMoney();
                 createCell(row, 11, allowanceMoney, numberStyle);
-                totalAllowanceMoney = totalAllowanceMoney.add(allowanceMoney);
+                if (allowanceMoney != null && allowanceMoney.compareTo(BigDecimal.ZERO) != 0) {
+                    totalAllowanceMoney = totalAllowanceMoney.add(allowanceMoney);
+                }
 
                 // 抵扣金额
-                BigDecimal deductionMoney = data.getDeductionMoney() != null ? data.getDeductionMoney()
-                        : BigDecimal.ZERO;
+                BigDecimal deductionMoney = data.getDeductionMoney();
                 createCell(row, 12, deductionMoney, numberStyle);
-                totalDeductionMoney = totalDeductionMoney.add(deductionMoney);
+                if (deductionMoney != null && deductionMoney.compareTo(BigDecimal.ZERO) != 0) {
+                    totalDeductionMoney = totalDeductionMoney.add(deductionMoney);
+                }
 
                 // 其他收费
-                BigDecimal otherMoney = data.getOtherMoney() != null ? data.getOtherMoney() : BigDecimal.ZERO;
+                BigDecimal otherMoney = data.getOtherMoney();
                 createCell(row, 13, otherMoney, numberStyle);
-                totalOtherMoney = totalOtherMoney.add(otherMoney);
+                if (otherMoney != null && otherMoney.compareTo(BigDecimal.ZERO) != 0) {
+                    totalOtherMoney = totalOtherMoney.add(otherMoney);
+                }
 
                 // 理赔原因
                 createCell(row, 14, data.getSatisfyReason() != null ? data.getSatisfyReason() : "", dataStyle);
@@ -367,9 +379,14 @@ public class EmisSettlePayRecordCustomExcelUtil {
      */
     private static void createCell(Row row, int columnIndex, BigDecimal value, CellStyle style) {
         Cell cell = row.createCell(columnIndex);
-        BigDecimal formattedValue = formatBigDecimal(value);
-        // 使用toPlainString()避免科学计数法，然后转换为double
-        cell.setCellValue(formattedValue.toPlainString());
+        // 如果BigDecimal值为null或为0，则设置为空字符串
+        if (value == null || value.compareTo(BigDecimal.ZERO) == 0) {
+            cell.setCellValue("");
+        } else {
+            BigDecimal formattedValue = formatBigDecimal(value);
+            // 使用toPlainString()避免科学计数法，然后转换为double
+            cell.setCellValue(formattedValue.toPlainString());
+        }
         cell.setCellStyle(style);
     }