diff --git a/lib/comm_plan/all.go b/lib/comm_plan/all.go
index 88732b0..578f44a 100644
--- a/lib/comm_plan/all.go
+++ b/lib/comm_plan/all.go
@@ -394,6 +394,12 @@ func teamDiffMoneyV2(profitList []*VirtualCoinCommission, payMode, isOnlySubsidy
 func subsidyFeeDo(opt *PlanOpt, totalAmt, integralTotalAmt float64, lvuser *LvUser, newLv int, pvd string, sysFee, integralSysFee float64) (subsidyFee, subsidyRatio float64, isOnlySubsidyFee int, subsidyFeeList, subsidyRatioList []*VirtualCoinCommission) {
 	grade := opt.UserRate
 	lv := lvuser.Lv
+	if grade == nil {
+		return subsidyFee, subsidyRatio, isOnlySubsidyFee, subsidyFeeList, subsidyRatioList
+	}
+	if grade[lv] == nil {
+		return subsidyFee, subsidyRatio, isOnlySubsidyFee, subsidyFeeList, subsidyRatioList
+	}
 	if grade[lv].UserSubsidyType == "winery" { //酒庄模式 换一下计算基数
 		commission := lvuser.Profit
 		amountList := lvuser.ProfitList