diff --git a/src/main/java/com/example/demo/Mysql/MysqlServiceImpl.java b/src/main/java/com/example/demo/Mysql/MysqlServiceImpl.java
index ec73f34..3da3f5b 100644
--- a/src/main/java/com/example/demo/Mysql/MysqlServiceImpl.java
+++ b/src/main/java/com/example/demo/Mysql/MysqlServiceImpl.java
@@ -159,6 +159,9 @@ public class MysqlServiceImpl implements MysqlService {
                         // 👇 执行批量插入
                         int[] results = mysqlStmt.executeBatch();
                         logger.info("成功插入新记录 {} 条", results.length);
+                        // 👉【新增一行调用】👈
+                        // 传入当前连接 + 本批次记录，自动完成路由更新
+                        updateUserRegionWallet(mysqlConn, batchRecords);
                     }
 
                     offset += pageSize;
diff --git a/src/main/java/com/example/demo/serviceImpl/cash/CashRefundServiceImpl.java b/src/main/java/com/example/demo/serviceImpl/cash/CashRefundServiceImpl.java
index bda455e..5a6f9d1 100644
--- a/src/main/java/com/example/demo/serviceImpl/cash/CashRefundServiceImpl.java
+++ b/src/main/java/com/example/demo/serviceImpl/cash/CashRefundServiceImpl.java
@@ -231,7 +231,10 @@ public class CashRefundServiceImpl implements RefundService {
                wallet=cashRecordRefund.getWalletId();
             }
             UserRegionWallet userRegionWallet = walletMapper.selectWallet(cashRecordRefund.getJwcode(), wallet);
-
+            User user = userMapper.selectUserByJwcode(cashRecordRefund.getJwcode());
+            if (user.getCurrentFreeJune().add(user.getCurrentFreeDecember()).compareTo(BigDecimal.valueOf(cashRecordRefund.getPartRefundFree()))<0){
+                throw new BusinessException("用户钱包余额不足");
+            }
             if (userRegionWallet == null) {
                 //初始化钱包
                 walletMapper.insert(new UserRegionWallet(null, cashRecordRefund.getJwcode(), wallet, BigDecimal.ZERO, new Date(), new Date()));
@@ -875,7 +878,10 @@ public class CashRefundServiceImpl implements RefundService {
                 wallet = 8;
             }
             UserRegionWallet userRegionWallet = walletMapper.selectWallet(cashRecordRefund.getJwcode(), wallet);
-
+            User user = userMapper.selectUserByJwcode(cashRecordRefund.getJwcode());
+            if (user.getCurrentFreeJune().add(user.getCurrentFreeDecember()).compareTo(BigDecimal.valueOf(cashRecordRefund.getPartRefundFree()))<0){
+                throw new BusinessException("用户钱包余额不足");
+            }
             if (userRegionWallet == null) {
                 //初始化钱包
                 walletMapper.insert(new UserRegionWallet(null, cashRecordRefund.getJwcode(), wallet, BigDecimal.ZERO, new Date(), new Date()));