diff --git a/src_core/com/tenwa/voucher/CreateVoucherProcess/CreateVoucherLoanDistributor.java b/src_core/com/tenwa/voucher/CreateVoucherProcess/CreateVoucherLoanDistributor.java
index 884faf33e..4c63a8351 100644
--- a/src_core/com/tenwa/voucher/CreateVoucherProcess/CreateVoucherLoanDistributor.java
+++ b/src_core/com/tenwa/voucher/CreateVoucherProcess/CreateVoucherLoanDistributor.java
@@ -418,6 +418,9 @@ public class CreateVoucherLoanDistributor {
 						param.put("PERSONAL_INSURANCE",PERSONAL_INSURANCE);
 						param.put("DISCOUNT_INTEREST",DISCOUNT_INTEREST);
 						
+					}else {
+						param.put("PERSONAL_INSURANCE","0");
+						param.put("DISCOUNT_INTEREST","0");
 					}
 					/**
 					 * ------------------------------------------Ð޸ĽáÊø-------------------------------------------