diff --git a/src/components/exam/ExamAddonPanel.tsx b/src/components/exam/ExamAddonPanel.tsx
index 45f5a2c..274342e 100644
--- a/src/components/exam/ExamAddonPanel.tsx
+++ b/src/components/exam/ExamAddonPanel.tsx
@@ -50,7 +50,7 @@ export const ExamAddonPanel = ({ client, onGoToSign }: ExamAddonPanelProps) => {
   const [isPaymentMethodDropdownOpen, setIsPaymentMethodDropdownOpen] = useState(false);
   const paymentMethodDropdownRef = useRef<HTMLDivElement>(null);
   // 挂账公司
-  const [accountCompany, setAccountCompany] = useState<string>('圆和');
+  const [accountCompany, setAccountCompany] = useState<string>('');
   const [isAccountCompanyDropdownOpen, setIsAccountCompanyDropdownOpen] = useState(false);
   const [accountCompanySearch, setAccountCompanySearch] = useState('');
   const accountCompanyDropdownRef = useRef<HTMLDivElement>(null);
@@ -139,11 +139,6 @@ export const ExamAddonPanel = ({ client, onGoToSign }: ExamAddonPanelProps) => {
         const res = await getChannelCompanyList({});
         if (res.Status === 200 && Array.isArray(res.Data) && res.Data.length > 0) {
           setAccountCompanyList(res.Data);
-          // 设置默认值为第一个公司
-          const firstCompany = res.Data[0];
-          if (firstCompany?.company_name) {
-            setAccountCompany(firstCompany.company_name);
-          }
         } else {
           setAccountCompanyList([]);
         }
@@ -156,16 +151,14 @@ export const ExamAddonPanel = ({ client, onGoToSign }: ExamAddonPanelProps) => {
     fetchCompanyList();
   }, []);
 
-  // 当挂账公司列表更新时，确保当前选中的公司在列表中
+  // 当挂账公司列表更新时，如果当前选中的公司不在列表中，清空选择
   useEffect(() => {
-    if (accountCompanyList.length > 0) {
+    if (accountCompany && accountCompanyList.length > 0) {
       const companyNames = accountCompanyList.map((c) => c.company_name).filter(Boolean) as string[];
       if (!companyNames.includes(accountCompany)) {
-        // 如果当前选中的公司不在列表中，更新为第一个公司
-        const firstCompany = accountCompanyList[0];
-        if (firstCompany?.company_name) {
-          setAccountCompany(firstCompany.company_name);
-        }
+        // 如果当前选中的公司不在列表中，清空选择
+        setAccountCompany('');
+        setAccountCompanySearch('');
       }
     }
   }, [accountCompanyList, accountCompany]);
@@ -543,6 +536,15 @@ export const ExamAddonPanel = ({ client, onGoToSign }: ExamAddonPanelProps) => {
         }
       } else {
         // 挂账模式：直接查询
+        // 验证是否选择了挂账公司
+        console.log('accountCompany', accountCompany);
+
+        if (!accountCompany || accountCompany.trim() === '') {
+          setPaymentMessage('请选择挂账公司');
+          setPaymentLoading(false);
+          return;
+        }
+
         const selectedCompany = accountCompanyList.find(
           (c) => c.company_name === accountCompany
         );
@@ -834,7 +836,7 @@ export const ExamAddonPanel = ({ client, onGoToSign }: ExamAddonPanelProps) => {
                       setAccountCompanySearch(e.target.value);
                       setIsAccountCompanyDropdownOpen(true);
                     }}
-                    placeholder={accountCompany || '请输入公司名称'}
+                    placeholder={'请输入公司名称'}
                     className='w-full outline-none text-xs bg-transparent'
                   />
                   <span className={cls('text-gray-400 transition-transform text-[10px]', isAccountCompanyDropdownOpen && 'rotate-180')}>