diff --git a/src/views/ebiz/sale/PayMent.vue b/src/views/ebiz/sale/PayMent.vue
index 177bc61f2..4d0601222 100644
--- a/src/views/ebiz/sale/PayMent.vue
+++ b/src/views/ebiz/sale/PayMent.vue
@@ -409,11 +409,19 @@ export default {
     },
 
     async checkBankCardSign(){
+      // 是否需要签约标识
+      let isNeedSignFlag = true;
       // 1.短期险不需要签约
       console.log("是否是长险", this.$CacheUtils.getLocItem('isLongInsuranceFlag'))
       if (this.$CacheUtils.getLocItem('isLongInsuranceFlag') === 'N') {
-        return true;
+        isNeedSignFlag = false;
       }
+      const bankCode = JSON.parse(window.localStorage.getItem('underWriteData')).bankCode;
+      // 1.微信支付方式  2.银行卡支付 且 招商银行卡  需要签约
+      if (!((this.radio == '' && ('CMB' == bankCode || '308' == bankCode)) || this.radio == '3')){
+        isNeedSignFlag = false;
+      }
+
       this.$toast.clear()
       this.$toast.loading({
         duration: 0, // 持续展示 toast
@@ -423,25 +431,27 @@ export default {
       })
       //校验
       let data = { orderNo: this.orderNo }
-      console.log("orderNo", data)
-      return new Promise((resolve, reject) => {
+      return new Promise((resolve) => {
+        if (!isNeedSignFlag) {
+          resolve(true)
+          return
+        }
         getBankCardSignState(data).then(checkRes => {
           if (checkRes.result == '0') {
             this.$toast.clear()
             console.log("=========", checkRes)
-            if (checkRes.signState == '2') {
-              // 不需签约 或 已签约  不做处理  发起支付
+            if (checkRes.signState == '2' || checkRes.needSign == '0') {
+              // 不需签约 或 已签约  不做处理  可以发起支付
               localStorage.removeItem('changeCard')
               resolve(true);
-            } else {
-              const bankCode = JSON.parse(window.localStorage.getItem('underWriteData')).bankCode;
+            } else if (checkRes.needSign == '1'){
+              // 需要签约
               const shortUrl = checkRes.shortUrl;
-              // 招商银行卡 提示去官微签约
-              if(checkRes.signState == '1' && checkRes.needSign == '1' && this.radio == '' && ('CMB' == bankCode || '308' == bankCode)){
+              if(checkRes.signState == '1'){
+                // 需签约 且 未签约
                 this.bankSignJump(shortUrl)
                 resolve(false);
-              }
-              if (checkRes.signState == '4') {
+              }else if (checkRes.signState == '4') {
                 // 签约中
                 this.$toast('亲，您的银行卡正在签约中，请稍后再试')
                 resolve(false);
@@ -466,12 +476,10 @@ export default {
                   // on cancel
                   resolve(false);
                 });
-              } else if (checkRes.signState == '1' && checkRes.needSign == '1' && this.radio == '3') {
-                // 需签约 且 未签约
-                // 提示去签约
-                this.bankSignJump(shortUrl)
-                resolve(false);
               }
+            } else {
+              this.$toast(checkRes.resultMessage)
+              resolve(false);
             }
           }else{
             this.$toast(checkRes.resultMessage)