Merge remote-tracking branch 'origin/v10.7_borrowing_and_repayment_20240118'…

performance-web/src/main/java/com/clx/performance/service/impl/loan/OwnerLoanRecordServiceImpl.java

@@ -149,6 +149,9 @@ public class OwnerLoanRecordServiceImpl implements OwnerLoanRecordService {
 
         UserSessionData loginUserInfo = TokenUtil.getLoginUserInfo();
         OwnerBindCardRecord ownerBindCardRecord = ownerBindCardRecordDao.getOwnerBindCardByUserNo(loginUserInfo.getUserNo());
+        if(Objects.isNull(ownerBindCardRecord)){
+            throw new ServiceSystemException(PerformanceResultEnum.DATA_NOT_FIND,"货主未绑定银行卡");
+        }
 
         OwnerLoanRecord entity = new OwnerLoanRecord();
         LocalDateTime createTime = LocalDateTime.now();