diff --git a/src_core/com/tenwa/voucher/CreateVoucherProcess/CreateVoucherLoanDistributor.java b/src_core/com/tenwa/voucher/CreateVoucherProcess/CreateVoucherLoanDistributor.java
index ffb0b29dc..def9194ee 100644
--- a/src_core/com/tenwa/voucher/CreateVoucherProcess/CreateVoucherLoanDistributor.java
+++ b/src_core/com/tenwa/voucher/CreateVoucherProcess/CreateVoucherLoanDistributor.java
@@ -236,13 +236,17 @@ public class CreateVoucherLoanDistributor {
 				String isBalance5 = ProductParamUtil.getProductParameterValue(PRODUCT_ID, "PRD0315", "DISCOUNT_INTEREST","isBalance");
 				
 				if(isBalance5==null || "".equals(isBalance5)) {
-					Map<String, List<Map<String, String>>> isBalance5List = ProductParamUtil.getProductComponentDecisionTable(PRODUCT_ID, "PRD0301", "segmented_financing","IsBalanceLending");
-					if(isBalance5List.get("segmented_financing")!=null && isBalance5List.get("segmented_financing").get(0)!=null) {
-						isBalance5 = isBalance5List.get("segmented_financing").get(0).get("IsBalanceLending");
+					Map<String, List<Map<String, String>>> isBalance5List  = null;
+					try {
+						isBalance5List = ProductParamUtil.getProductComponentDecisionTable(PRODUCT_ID, "PRD0301", "segmented_financing","IsBalanceLending");
+						if(isBalance5List != null && isBalance5List.get("segmented_financing")!=null && isBalance5List.get("segmented_financing").get(0)!=null) {
+							isBalance5 = isBalance5List.get("segmented_financing").get(0).get("IsBalanceLending");
+						}
+					}catch(	Exception e) {
+						e.printStackTrace();
 					}
 				}
 				
-				
 				/**
 				 * -----------------------------------------Ð޸ĽáÊø--------------------------------------------------------------------
 				 */