diff --git a/mall-shop/src/main/java/com/suisung/mall/shop/lakala/service/impl/LklTkServiceImpl.java b/mall-shop/src/main/java/com/suisung/mall/shop/lakala/service/impl/LklTkServiceImpl.java
index 52840a62..ac0a482a 100644
--- a/mall-shop/src/main/java/com/suisung/mall/shop/lakala/service/impl/LklTkServiceImpl.java
+++ b/mall-shop/src/main/java/com/suisung/mall/shop/lakala/service/impl/LklTkServiceImpl.java
@@ -332,8 +332,8 @@ public class LklTkServiceImpl {
 
         // 参数校验
         if (ObjectUtil.isEmpty(mchId)) {
-            logger.warn("商户进件失败：入驻商户Id不能为空");
-            return Pair.of(false, "入驻商户Id不能为空");
+            logger.warn("商户进件失败：入驻编号不能为空");
+            return Pair.of(false, "入驻编号不能为空");
         }
 
         String authorization = getLklTkAuthorization();
diff --git a/mall-shop/src/main/java/com/suisung/mall/shop/store/service/impl/ShopMchEntryServiceImpl.java b/mall-shop/src/main/java/com/suisung/mall/shop/store/service/impl/ShopMchEntryServiceImpl.java
index ab87ee3c..ea8458de 100644
--- a/mall-shop/src/main/java/com/suisung/mall/shop/store/service/impl/ShopMchEntryServiceImpl.java
+++ b/mall-shop/src/main/java/com/suisung/mall/shop/store/service/impl/ShopMchEntryServiceImpl.java
@@ -122,57 +122,68 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
     /**
      * 商家申请入驻商城平台
      *
-     * @param shopMerchEntryJSON
-     * @return
+     * @param shopMerchEntryJSON 商户入驻信息JSON对象
+     * @return 申请结果
      */
     @Override
     public CommonResult shopMerchEntryApply(JSONObject shopMerchEntryJSON) {
+        log.debug("开始处理商家入驻申请");
+
         // 检查是否已登录？
         Integer userId = 0;
 
         UserDto user = getCurrentUser();
         if (user == null || user.getId() == null) {
+            log.warn("用户未登录，无法申请入驻");
             return CommonResult.failed("请先登录！");
         }
         userId = user.getId();
 
         // 参数校验流程
         if (shopMerchEntryJSON == null) {
+            log.warn("商家入驻申请参数为空");
             return CommonResult.failed("缺少必要参数！");
         }
 
         ShopMchEntry record = JSONUtil.toBean(shopMerchEntryJSON, ShopMchEntry.class);
         if (record == null || StrUtil.isBlank(record.getLogin_mobile())) {
-            log.error("###商家入驻参数转换失败###{}", shopMerchEntryJSON);
+            log.error("商家入驻参数转换失败: {}", shopMerchEntryJSON);
             return CommonResult.failed("数据转换失败！");
         }
 
         String loginMobile = record.getLogin_mobile();
+        log.debug("处理商家入驻申请，手机号: {}", loginMobile);
 
         if (StrUtil.isBlank(record.getStore_name()) || StrUtil.isBlank(record.getStore_address())
                 || StrUtil.isBlank(record.getStore_longitude())
                 || StrUtil.isBlank(record.getStore_latitude())) {
+            log.warn("缺少必要店铺信息，手机号: {}", loginMobile);
             return CommonResult.failed("缺少店铺名或详细地址！");
         }
 
         if (ObjectUtil.isEmpty(record.getBiz_category())) {
+            log.warn("未选择经营品类，手机号: {}", loginMobile);
             return CommonResult.failed("请选择经营品类！");
         }
 
         if (ObjectUtil.isEmpty(record.getContact_name())) {
+            log.warn("未填写联系人，手机号: {}", loginMobile);
             return CommonResult.failed("请填写联系人！");
         }
 
         if (StrUtil.isBlank(record.getStore_area()) || StrUtil.isBlank(record.getBank_area())) {
+            log.warn("未指定省市区信息，手机号: {}", loginMobile);
             return CommonResult.failed("请指定店铺或银行的省市区！");
         }
 
 
         if (!PhoneNumberUtils.checkPhoneNumber(loginMobile)) {
+            log.warn("申请人手机号码格式错误，手机号: {}", loginMobile);
             return CommonResult.failed("申请人手机号码有误！");
         }
 
         if (CheckUtil.isEmpty(record.getEntity_type())) {
+            log.warn("未选择入驻主体类型，手机号: {}", loginMobile);
             return CommonResult.failed("请选择是企业还是个人");
         }
 
@@ -186,19 +197,22 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
         //     * 根据入驻主体类型（企业或个人）使用不同的判断条件：
         //     * - 企业：通过营业执照号+联系人手机号判断
         //     * - 个人：通过个人身份证号+联系人手机号判断
+        log.debug("检查商家是否已经申请过入驻，手机号: {}", loginMobile);
         Pair<Boolean, String> canDo = canApply(record.getEntity_type(), record.getLegal_person_mobile(), record.getBiz_license_number(), record.getIndividual_id_number());
         if (!canDo.getFirst()) {
+            log.warn("商家入驻申请被拒绝: {}，手机号: {}", canDo.getSecond(), loginMobile);
             return CommonResult.failed(canDo.getSecond());
         }
 
         if (shopStoreBaseService.isExistsByStoreName(record.getStore_name())) {
-            log.error("生成店铺：店铺名称已存在");
+            log.error("店铺名称已存在: {}", record.getStore_name());
             return CommonResult.failed("店铺名称已存在");
         }
 
         Boolean isQy = true;
         // 检查企业、法人或个人的营业执照或身份证
         if (ObjectUtil.isNotEmpty(record.getEntity_type()) && record.getEntity_type().equals(CommonConstant.MCH_ENTITY_TYPE_GR)) {
+            log.debug("个人入驻信息校验，手机号: {}", loginMobile);
             isQy = false; // 个人入驻
             // 个人
             if (StrUtil.isBlank(record.getIndividual_id_number())
@@ -208,10 +222,12 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
                     || StrUtil.isBlank(record.getIndividual_id_period_end())
                     || StrUtil.isBlank(record.getIndividual_id_images())
                     || StrUtil.isBlank(record.getIndividual_id_images2())) {
+                log.warn("缺少个人身份证信息，手机号: {}", loginMobile);
                 return CommonResult.failed("缺少个人身份证信息！");
             }
 
             if (!StringUtils.validateIDCard(record.getIndividual_id_number())) {
+                log.warn("个人身份证号码格式错误，号码: {}，手机号: {}", record.getIndividual_id_number(), loginMobile);
                 return CommonResult.failed("个人身份证号码有误！");
             }
 
@@ -224,12 +240,15 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
             }
 
         } else {
+            log.debug("企业入驻信息校验，手机号: {}", loginMobile);
             // 企业
             if (StrUtil.isBlank(record.getBiz_license_number()) || StrUtil.isBlank(record.getBiz_license_image())) {
+                log.warn("缺少企业营业执照信息，手机号: {}", loginMobile);
                 return CommonResult.failed("缺少企业营业执照信息！");
             }
 
             if (!StringUtils.verifyBusinessLicense(record.getBiz_license_number())) {
+                log.warn("营业执照号码格式错误，号码: {}，手机号: {}", record.getBiz_license_number(), loginMobile);
                 return CommonResult.failed("营业执照号码有误！");
             }
 
@@ -240,18 +259,22 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
                     || StrUtil.isBlank(record.getLegal_person_id_period_end())
                     || StrUtil.isBlank(record.getLegal_person_id_images())
                     || StrUtil.isBlank(record.getLegal_person_id_images2())) {
+                log.warn("缺少法人身份证信息，手机号: {}", loginMobile);
                 return CommonResult.failed("缺少法人身份证信息！");
             }
 
             if (!StringUtils.validateIDCard(record.getLegal_person_id_number())) {
+                log.warn("法人身份证号码格式错误，号码: {}，手机号: {}", record.getLegal_person_id_number(), loginMobile);
                 return CommonResult.failed("法人身份证号码有误！");
             }
 
             if (!PhoneNumberUtils.checkPhoneNumber(record.getLegal_person_mobile())) {
+                log.warn("法人手机号码格式错误，号码: {}，手机号: {}", record.getLegal_person_mobile(), loginMobile);
                 return CommonResult.failed("法人手机号码有误！");
             }
 
-            if (StrUtil.contains(record.getLegal_person_id_period_end(), "长期")) {
+            if (StrUtil.contains(record.getLegal_person_id_period_end(), "长期")
+                    || StrUtil.contains(record.getLegal_person_id_period_end(), "永久")) {
                 record.setLegal_person_id_period_end("9999-12-31");
             }
 
@@ -262,14 +285,17 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
 
         // 检查银行账号
         if (StrUtil.isBlank(record.getBank_name()) || StrUtil.isBlank(record.getAccount_number()) || StrUtil.isBlank(record.getAccount_holder_name())) {
+            log.warn("缺少银行账号信息，手机号: {}", loginMobile);
             return CommonResult.failed("缺少银行账号信息！");
         }
 
         if (!BankUtil.validateBankCard(record.getAccount_number(), "CN", isQy)) {
+            log.warn("银行卡号格式错误，卡号: {}，手机号: {}", record.getAccount_number(), loginMobile);
             return CommonResult.failed("银行卡号格式有误！");
         }
 
         if (StrUtil.isBlank(record.getOpenning_bank_code())) {
+            log.warn("未填写结算账户清算行号，手机号: {}", loginMobile);
             return CommonResult.failed("请填写结算账户清算⾏号！");
         }
 
@@ -278,6 +304,7 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
         record.setClearing_bank_code(record.getOpenning_bank_code());
 
         if (StrUtil.isNotBlank(record.getStore_name()) && shopStoreBaseService.isExistsByStoreName(record.getStore_name())) {
+            log.warn("店铺名称已被使用: {}，手机号: {}", record.getStore_name(), loginMobile);
             return CommonResult.failed("店铺名已被使用！");
         }
 
@@ -297,12 +324,15 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
         // 转换拉卡拉的日期格式 yyyy-MM-dd
         record = convLklDateFormat(record);
 
+        log.debug("保存商家入驻申请信息，手机号: {}", loginMobile);
         if (!add(record)) {
+            log.error("入驻信息提交失败，手机号: {}", loginMobile);
             return CommonResult.failed("入驻信息提交失败！");
         }
 
         // 给平台管理员发短信，通知有商家入驻：尊敬的管理员，商家 ${name}，提交了入驻我们平台的申请，请及时对相关资质材料予以审核，以便推进后续流程。
         // 获取平台方的手机号码，发送短信通知
+        log.debug("发送入驻通知短信给平台管理员");
         Pair<String, String> mobileAndLicenseNumber = esignPlatformInfoService.getEsignPlatformMobileAndLicenseNumber();
         if (mobileAndLicenseNumber != null) {
             Map<String, Object> tmplArgs = new HashMap<>(1);
@@ -311,6 +341,7 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
             shopMessageTemplateService.aliyunSmsSend(mobileAndLicenseNumber.getFirst(), "SMS_486545331", tmplArgs);//SMS_479760276
         }
 
+        log.info("商家入驻申请提交成功，recordId: {}，手机号: {}", record.getId(), loginMobile);
         return CommonResult.success();
     }
 
@@ -674,41 +705,49 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
      * 平台更新商户入驻信息
      *
      * @param record 商户入驻记录
-     * @return
+     * @return 更新结果
      */
     @Override
     public CommonResult updateMerchEntry(ShopMchEntry record) {
+        log.debug("开始更新商户入驻信息，recordId={}", record != null ? record.getId() : null);
+
         if (record == null || record.getId() == null || record.getId() <= 0) {
+            log.warn("更新商户入驻信息参数校验失败，record is null or id is invalid");
             return CommonResult.failed("缺少必要参数！");
         }
 
         // 固定用户ID（模拟管理员）
         Integer userId = 0;
-//        UserDto user = getCurrentUser();
-//        if (!user.isAdmin()) {
-//            return CommonResult.failed(ResultCode.FORBIDDEN);
-//        }
-//        userId = user.getId();
+        UserDto user = getCurrentUser();
+        if (user == null) {
+            log.warn("用户未登录，无法更新商户入驻信息");
+            return CommonResult.failed("用户未登录！");
+        }
+
+        if (!user.isAdmin()) {
+            log.warn("用户无权限更新商户入驻信息，userId={}", user.getId());
+            return CommonResult.failed(ResultCode.FORBIDDEN);
+        }
+        userId = user.getId();
 
         record.setUpdated_by(userId);
         record.setUpdated_at(new Date());
-
-        if (record.getSettlement_method() != null
-                || record.getSettlement_method() < 0
-                || record.getSettlement_method() > 1) {
-            record.setSettlement_method(0);
-        }
+        record.setSettlement_method(1); //结算交割天数（结算类型）:0-秒到；1-次日结算(分账必须次日结算)
 
         // 检查全部非空字段的格式
+        log.debug("开始校验商户入驻信息字段格式");
         Pair<Boolean, String> checkResult = checkMchEntryInfo(record, false, true);
         if (!checkResult.getFirst()) {
+            log.warn("商户入驻信息字段格式校验失败，错误信息: {}", checkResult.getSecond());
             return CommonResult.failed(checkResult.getSecond());
         }
 
         if (!updateById(record)) {
+            log.error("更新商户入驻信息失败，recordId={}", record.getId());
             return CommonResult.failed("更新商户入驻信息失败！");
         }
 
+        log.info("商户入驻信息更新成功，recordId={}", record.getId());
         return CommonResult.success();
     }
 
@@ -834,43 +873,53 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
     /**
      * 商家入驻审批
      *
-     * @param mchId
+     * @param mchId              商户ID
      * @param approvalStatus     入驻审批状态：1-已通过；2-未通过；3-待审核；4-未申请过；5-已提交拉卡拉审核；21-拉卡拉审核未通过
      * @param approvalRemark     审批备注
      * @param approvalInvalidCol 审批无效字段
-     * @return
+     * @return 审批结果
      */
     @Override
     public CommonResult shopMerchEntryApproval(Long mchId, Integer approvalStatus, String approvalRemark, String approvalInvalidCol) {
+        log.debug("开始处理商家入驻审批，mchId={}, approvalStatus={}", mchId, approvalStatus);
+
         // 固定用户ID（模拟管理员）
         Integer userId = 0;
 
         UserDto user = getCurrentUser();
-        if (!user.isAdmin()) {
+        if (user == null || !user.isAdmin()) {
+            log.warn("用户无权限进行商家入驻审批操作，userId={}", user.getId());
             return CommonResult.failed(ResultCode.FORBIDDEN);
         }
         userId = user.getId();
 
         // 参数校验流程
         if (ObjectUtil.isEmpty(mchId) || ObjectUtil.isEmpty(approvalStatus)) {
+            log.warn("商家入驻审批参数校验失败，缺少必要参数 mchId={} 或 approvalStatus={}", mchId, approvalStatus);
             return CommonResult.failed("缺少必要参数！");
         }
 
         // 审核状态有效性校验
         if (!approvalStatus.equals(CommonConstant.MCH_APPR_STA_LKL_PADDING) && !approvalStatus.equals(CommonConstant.MCH_APPR_STA_NOPASS)) {
+            log.warn("商家入驻审批状态参数不合法，approvalStatus={}", approvalStatus);
             return CommonResult.failed("审批状态有误！");
         }
 
         // 查询入驻记录
         ShopMchEntry record = get(mchId);
         if (record == null) {
+            log.warn("商家入驻记录不存在，mchId={}", mchId);
             return CommonResult.failed("商家入驻记录不存在！");
         }
 
-        // 自动计算商家分成比例
-        BigDecimal splitRatio = shopBaseStoreCategoryService.getStoreCategoryRatio(record.getBiz_category());
-        if (splitRatio == null || splitRatio.compareTo(BigDecimal.ZERO) <= 0) {
-            splitRatio = new BigDecimal(100);
+        BigDecimal splitRatio = record.getSplit_ratio();
+        if (splitRatio == null || BigDecimal.ZERO.compareTo(splitRatio) >= 0
+                || record.getSplit_ratio().compareTo(new BigDecimal(100)) >= 0) {
+            // 自动计算商家分成比例
+            splitRatio = shopBaseStoreCategoryService.getStoreCategoryRatio(record.getBiz_category());
+            if (splitRatio == null || splitRatio.compareTo(BigDecimal.ZERO) <= 0) {
+                splitRatio = new BigDecimal(94);
+            }
         }
 
         // 如果是驳回状态，直接返回成功消息
@@ -895,17 +944,12 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
         record.setApproval_status(approvalStatus);
         record.setApproval_remark(approvalRemark);
         record.setApproval_invalid_col(approvalInvalidCol);
-        record.setSplit_ratio(splitRatio);
         record.setUpdated_by(userId);
-
+        record.setSettlement_method(1); // 结算类型：0-秒到（不分账）；1-次日结算（需要分账）
+        record.setSplit_ratio(splitRatio);
 
         // 转换拉卡拉的日期格式 yyyy-MM-dd
         record = convLklDateFormat(record);
-//        if (record.getSettlement_method() == null
-//                || record.getSettlement_method() < 0
-//                || record.getSettlement_method() > 1) {
-        record.setSettlement_method(1); // 结算类型：0-秒到（不分账）；1-次日结算（需要分账）
-//        }
 
         // 执行更新操作
         if (!updateById(record)) {
@@ -915,6 +959,7 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
 
         // 如果是驳回状态，直接返回成功消息
         if (approvalStatus.equals(CommonConstant.MCH_APPR_STA_NOPASS)) {
+            log.info("商家入驻审批驳回成功，mchId={}", mchId);
             return CommonResult.success(null, "驳回成功！");
         }
 
@@ -923,6 +968,7 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
         // 平台人工审核通过后，触发去拉卡拉商家入网电子合同签署
         // 下一步：商家入网电子合同签署完毕后，收到异步通知，触发拉卡拉商家进件（重要环节）
         try {
+            log.debug("开始调用拉卡拉电子合同签署申请，mchId={}", mchId);
             Pair<Boolean, String> resultPair = lakalaApiService.applyLedgerMerEc(mchId);
             if (!resultPair.getFirst()) {
                 log.warn("拉卡拉电子合同签署申请失败: {}", resultPair.getSecond());
@@ -935,6 +981,7 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
                 return CommonResult.failed("系统处理审批出错，请联系管理员！");
             }
 
+            log.info("商家入驻平台初步审批处理完成，mchId={}", mchId);
 
 //          E签宝暂时停止使用
 //        if (approvalStatus.equals(CommonConstant.Enable)) {
@@ -959,6 +1006,7 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
         return CommonResult.success();
     }
 
+
     /**
      * 检查商家是否能申请入驻
      * 根据入驻主体类型（企业或个人）使用不同的判断条件：
@@ -1752,10 +1800,14 @@ public class ShopMchEntryServiceImpl extends BaseServiceImpl<ShopMchEntryMapper,
                 approvalRemark = "合同签署完成，商家信息正在提交审核，请耐心等待";
             } else if (CommonConstant.Enable.equals(hasApplyMerchant)) {
                 approvalRemark = "商家资质审核通过，系统正在提交分账业务申请，请耐心等待";
-            } else if (CommonConstant.Enable.equals(hasApplySplit)) {
-                approvalRemark = "提交分账业务申请已通过，系统正在申请分账接收方事宜";
             } else if (CommonConstant.Enable.equals(hasApplyReceiver)) {
-                approvalRemark = "分账接收方申请成功，系统正在处理接收方绑定";
+                if (CommonConstant.Enable.equals(hasApplySplit)) {
+                    approvalRemark = "分账接收方申请成功，系统正在处理接收方绑定事宜";
+                } else {
+                    approvalRemark = "分账接收方申请成功，系统正在处理分账业务申请事宜";
+                }
+            } else if (CommonConstant.Enable.equals(hasApplySplit)) {
+                approvalRemark = "提交分账业务申请已通过，系统正在处理接收方绑定事宜";
             } else if (CommonConstant.Enable.equals(hasBindReceiver)) {
                 approvalRemark = "分账接收方绑定成功，系统准备创建初始化店铺";
             } else if (CommonConstant.Enable.equals(storeStatus)) {