diff --git a/src_core/com/tenwa/comm/credit/CreditBodyGuardAction.java b/src_core/com/tenwa/comm/credit/CreditBodyGuardAction.java
index 12865f9c1..3d20aa41f 100644
--- a/src_core/com/tenwa/comm/credit/CreditBodyGuardAction.java
+++ b/src_core/com/tenwa/comm/credit/CreditBodyGuardAction.java
@@ -81,7 +81,9 @@ public class CreditBodyGuardAction {
 								 String personArr = "";
 								 //获取到的所有人员信息对象存入personList中
 								 List<BizObject> personList = new ArrayList<>();
-								 personList.add(borrowerResult);
+								 if(borrowerResult != null){
+									 personList.add(borrowerResult);
+								 }
 								 if(coborrowerResult != null){
 									 	 personList.add(coborrowerResult);
 								 }