diff --git a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/delay/ProductDelayServiceImpl.java b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/delay/ProductDelayServiceImpl.java
index a9d71f507..01689ceb0 100644
--- a/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/delay/ProductDelayServiceImpl.java
+++ b/cf-module-system/cf-module-system-biz/src/main/java/com/cf/imes/module/system/service/funds/delay/ProductDelayServiceImpl.java
@@ -72,7 +72,7 @@ public class ProductDelayServiceImpl implements ProductDelayService {
         /**
          * 查询是否有前序的延期记录：
          * 1、如果有记录，延期有效期在其记录上叠加
-         * 2、如果没有记录，取购买记录的结束时间作为延期的开始时间
+         * 2、如果没有记录，取购买记录的结束时间作为延期的开始时间，如果结束时间已经过期了，那么从今天开始算
          */
         ProductDelayRecordDO lastDelayRecordDO = productDelayRecordMapper.selectOne(new LambdaQueryWrapper<ProductDelayRecordDO>()
                 .eq(ProductDelayRecordDO::getOrganId, organId)
@@ -82,10 +82,14 @@ public class ProductDelayServiceImpl implements ProductDelayService {
         Integer delayDuration = productDelaySaveReqVO.getDelayDuration();
         Integer delayDurationUnit = productDelaySaveReqVO.getDelayDurationUnit();
         LocalDate endTime;
+        LocalDate now = LocalDate.now();
         if(ObjectUtil.isNotNull(lastDelayRecordDO)) {
             endTime = lastDelayRecordDO.getDelayTime();
         } else {
             endTime = purchaseRecordDO.getEndTime();
+            if (endTime.isBefore(now)) {
+                endTime = now;
+            }
         }
 
         // 计算延期后有效时间