diff --git a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
index 12ea36172e..334520dcb0 100644
--- a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
+++ b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
@@ -1213,6 +1213,8 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
          * 产品贷款金额 = 融资项目总额-首付金额
          * 贷款保证金 = 贷款金额 x 贷款保证金比例
          *
+         * 2024-04-16修改实际首付比例=（融资首付-(主车开票价+配件-合同价)）/(合同价+挂车+购置税+保险)
+         *
          */
         //是否打包：1是，0否
         String isPack = query.getIsPack();
@@ -1238,6 +1240,7 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
         }
         //(合同价+挂车+购置税+保险)
         BigDecimal bilAll = BigDecimal.ZERO;
+        BigDecimal zhuAll = BigDecimal.ZERO;
         bilAll = bilAll.add(orderPrice);
         CalculateVo calculateVo = new CalculateVo();
         //计算的初始化
@@ -1286,12 +1289,14 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
             loanTotal = loanTotal.add(new BigDecimal(mainVehicleAmount));
             AmountAll = AmountAll.add(new BigDecimal(mainVehicleAmount));
             offsetAccessoriesBig = offsetAccessoriesBig.add(new BigDecimal(mainVehicleAmount));
+            zhuAll = zhuAll.add(new BigDecimal(mainVehicleAmount));
         }
         if (accessoriesAmountCb) {//包含配件
             if (StringUtils.isNotBlank(accessoriesAmount)) {
                 loanTotal = loanTotal.add(new BigDecimal(accessoriesAmount));
                 AmountAll = AmountAll.add(new BigDecimal(accessoriesAmount));
                 offsetAccessoriesBig = offsetAccessoriesBig.add(new BigDecimal(accessoriesAmount));
+                zhuAll = zhuAll.add(new BigDecimal(accessoriesAmount));
             }
         }
         offsetAccessoriesBig = offsetAccessoriesBig.subtract(orderPrice);
@@ -1300,6 +1305,7 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
             if (AmountAll.compareTo(orderPrice) < 0) {
                 return rb.setMsg("主车发票价与配件之和不能小于订单成交价");
             }
+            zhuAll = zhuAll.subtract(orderPrice);
         }
         if (trailerAmountCb) {//包含挂车
             if (StringUtils.isNotBlank(trailerAmount)) {
@@ -1523,8 +1529,11 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
         /************************计算融资首付********************************/
         calculateVo.setLoanDownPay(loanDownPay.setScale(0, BigDecimal.ROUND_HALF_UP).toString());
         //实际首付比例 = （融资首付/融资项目总额）x100
+        //2024-04-16修改实际首付比例=（融资首付-(主车开票价+配件-合同价)）/(合同价+挂车+购置税+保险)
 //        downPayAmountsRatio = loanDownPay.divide(loanTotal, 4, BigDecimal.ROUND_CEILING).multiply(new BigDecimal("100"));
-        downPayAmountsRatio = loanDownPay.divide(bilAll, 4, BigDecimal.ROUND_CEILING).multiply(new BigDecimal("100"));
+        zhuAll = loanDownPay.subtract(zhuAll);
+//        downPayAmountsRatio = loanDownPay.divide(bilAll, 4, BigDecimal.ROUND_CEILING).multiply(new BigDecimal("100"));
+        downPayAmountsRatio = zhuAll.divide(bilAll, 4, BigDecimal.ROUND_CEILING).multiply(new BigDecimal("100"));
         downPayAmountsRatio = downPayAmountsRatio.setScale(2, BigDecimal.ROUND_HALF_UP);
         calculateVo.setDownPayAmountsRatio(downPayAmountsRatio.toString());
         if (otherPolicyState) {//包含
@@ -2375,17 +2384,17 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
             //抵顶首年保险费
             StringBuilder offsetPremiumValue = new StringBuilder();
             if (StringUtils.isNotBlank(solutionssVo.getOffsetPremium())) {
-                offsetPremiumValue = offsetPremiumValue.append("抵顶首年保险费：").append(solutionssVo.getOffsetPremium());
+                offsetPremiumValue = offsetPremiumValue.append("首年保险费抵顶：").append(solutionssVo.getOffsetPremium());
             } else {
-                offsetPremiumValue = offsetPremiumValue.append("抵顶首年保险费：").append("-");
+                offsetPremiumValue = offsetPremiumValue.append("首年保险费抵顶：").append("-");
             }
 
             //抵顶购置税
             StringBuilder offsetPurchasetaxValue = new StringBuilder();
             if (StringUtils.isNotBlank(solutionssVo.getOffsetPurchasetax())) {
-                offsetPurchasetaxValue = offsetPurchasetaxValue.append("抵顶购置税：").append(solutionssVo.getOffsetPurchasetax());
+                offsetPurchasetaxValue = offsetPurchasetaxValue.append("购置税抵顶：").append(solutionssVo.getOffsetPurchasetax());
             } else {
-                offsetPurchasetaxValue = offsetPurchasetaxValue.append("抵顶购置税：").append("-");
+                offsetPurchasetaxValue = offsetPurchasetaxValue.append("购置税抵顶：").append("-");
             }
 
             //配件抵顶