diff --git a/src_tenwa/com/tenwa/lease/flow/project/validate/IdentityVerification.java b/src_tenwa/com/tenwa/lease/flow/project/validate/IdentityVerification.java
index 3b43baa23..572948604 100644
--- a/src_tenwa/com/tenwa/lease/flow/project/validate/IdentityVerification.java
+++ b/src_tenwa/com/tenwa/lease/flow/project/validate/IdentityVerification.java
@@ -9,6 +9,7 @@ import org.dom4j.DocumentHelper;
 import org.dom4j.Element;
 
 import sun.misc.BASE64Decoder;
+import jbo.app.tenwa.calc.LC_CALC_CONDITION_STATUS;
 import jbo.app.tenwa.customer.CUSTOMER_FAMILY_TEMP;
 import jbo.app.tenwa.customer.CUSTOMER_PERSON_TEMP;
 import jbo.com.tenwa.lease.comm.LB_GUARANTEE_UNIT_TEMP;
@@ -16,6 +17,7 @@ import jbo.com.tenwa.lease.comm.LC_IDENTITY_CHECK_RESULT_TEMP;
 
 import com.amarsoft.are.jbo.BizObject;
 import com.amarsoft.are.jbo.BizObjectManager;
+import com.amarsoft.are.jbo.JBOException;
 import com.amarsoft.are.jbo.JBOFactory;
 import com.amarsoft.are.jbo.JBOTransaction;
 /**
@@ -88,6 +90,9 @@ public class IdentityVerification {
 								//读取授权文件
 								String license =ValidatePropertiesUtil.get("key");
 								String decode = new String(new BASE64Decoder().decodeBuffer(license));
+								if(coborrowerResult == null || guarantorResultList == null){
+										return "请完善共同申请人与担保人信息!";
+								}
 								//将申请人,共同申请人,担保人等信息传入该类构建xml入参参数
 								String  inConditions = SoapRequest.XMLConfiguration(borrowerResult,coborrowerResult,guarantorResultList);
 								String result  = NciicClient.executeClient("NciicServices",decode,inConditions);