diff --git a/mall-common/src/main/java/com/suisung/mall/common/pojo/dto/LklSeparateWithTotalAmountDTO.java b/mall-common/src/main/java/com/suisung/mall/common/pojo/dto/LklSeparateWithTotalAmountDTO.java
index be215f5f..8214e213 100644
--- a/mall-common/src/main/java/com/suisung/mall/common/pojo/dto/LklSeparateWithTotalAmountDTO.java
+++ b/mall-common/src/main/java/com/suisung/mall/common/pojo/dto/LklSeparateWithTotalAmountDTO.java
@@ -206,7 +206,16 @@ public class LklSeparateWithTotalAmountDTO {
                 return SeparateResult.failure(errorMsg);
             }
 
-            // 6. 计算商家实际分账比例
+            // 6. 根据指定规则调整各参与方分账金额
+            Pair<Boolean, String> adjustResult = adjustAmountsWithLklAmount();
+            if (!adjustResult.getFirst()) {
+                String errorMsg = "分账计算参数异常: " + adjustResult.getSecond();
+                log.error(errorMsg);
+                this.errMsg = errorMsg;
+                return SeparateResult.failure(errorMsg);
+            }
+
+            // 7. 计算商家实际分账比例
             Pair<Boolean, String> mchResult = calculateActualMchRatio();
             if (!mchResult.getFirst()) {
                 String errorMsg = "分账计算参数异常: " + mchResult.getSecond();
@@ -231,6 +240,54 @@ public class LklSeparateWithTotalAmountDTO {
         }
     }
 
+    /**
+     * 根据指定规则调整各参与方分账金额
+     * 如果拉卡拉分账金额lklAmount>0:
+     * 1. 如果agent2ndAmount>0 且大于lklAmount, 则agent2ndAmount=agent2ndAmount-lklAmount，mchAmount=mchAmount+lklAmount
+     * 2. 如果agent2ndAmount<=0 但 agent1stAmount>0 且大于lklAmount, 则agent1stAmount=agent1stAmount-lklAmount，mchAmount=mchAmount+lklAmount
+     * 3. 如果agent2ndAmount<=0 且 agent1stAmount<=0，但 platAmount>0 且大于等于lklAmount, 则 platAmount=platAmount-lklAmount，mchAmount=mchAmount+lklAmount
+     *
+     * @return Pair<Boolean, String> Boolean表示是否成功，String为错误信息
+     */
+    private Pair<Boolean, String> adjustAmountsWithLklAmount() {
+        try {
+            // 只有当拉卡拉分账金额大于0时才执行调整逻辑
+            if (lklAmount != null && lklAmount > 0) {
+                int adjustment = lklAmount; // 需要调整的金额
+                
+                // 情况1: 如果agent2ndAmount>0 且大于lklAmount
+                if (agent2ndAmount != null && agent2ndAmount > 0 && agent2ndAmount > adjustment) {
+                    agent2ndAmount -= adjustment;
+                    mchAmount += adjustment;
+                    log.debug("调整二级代理商分账金额: 减少{}，商家分账金额增加{}", adjustment, adjustment);
+                }
+                // 情况2: 如果agent2ndAmount<=0 但 agent1stAmount>0 且大于lklAmount
+                else if ((agent2ndAmount == null || agent2ndAmount <= 0) && 
+                         agent1stAmount != null && agent1stAmount > 0 && agent1stAmount > adjustment) {
+                    agent1stAmount -= adjustment;
+                    mchAmount += adjustment;
+                    log.debug("调整一级代理商分账金额: 减少{}，商家分账金额增加{}", adjustment, adjustment);
+                }
+                // 情况3: 如果agent2ndAmount<=0 且 agent1stAmount<=0，但 platAmount>0 且大于等于lklAmount
+                else if ((agent2ndAmount == null || agent2ndAmount <= 0) && 
+                         (agent1stAmount == null || agent1stAmount <= 0) && 
+                         platAmount != null && platAmount > 0 && platAmount >= adjustment) {
+                    platAmount -= adjustment;
+                    mchAmount += adjustment;
+                    log.debug("调整平台分账金额: 减少{}，商家分账金额增加{}", adjustment, adjustment);
+                }
+                // 其他情况不作调整
+                else {
+                    log.debug("不满足调整条件，无需调整各参与方分账金额");
+                }
+            }
+            
+            return Pair.of(true, "");
+        } catch (Exception e) {
+            return Pair.of(false, "调整分账金额时发生异常: " + e.getMessage());
+        }
+    }
+
     /**
      * 校验必要参数
      *