diff --git a/app/Services/BalanceService.php b/app/Services/BalanceService.php
index 4642b47b..06c9427b 100644
--- a/app/Services/BalanceService.php
+++ b/app/Services/BalanceService.php
@@ -23,7 +23,13 @@ class BalanceService
         $balance = $user->balance()->lockForUpdate()->first();
 
         if (is_null($balance)) {
-            throw new BalanceNotEnoughException();
+            if ($changeBalance < 0) {
+                throw new BalanceNotEnoughException();
+            } else {
+                $user->balance()->create();
+
+                $balance = $user->balance()->lockForUpdate()->first();
+            }
         }
 
         // 变更前余额
diff --git a/app/Services/WalletService.php b/app/Services/WalletService.php
index 654e8ef4..1810c4de 100644
--- a/app/Services/WalletService.php
+++ b/app/Services/WalletService.php
@@ -23,7 +23,13 @@ class WalletService
         $wallet = $user->wallet()->lockForUpdate()->first();
 
         if (is_null($wallet)) {
-            throw new WalletNotEnoughException();
+            if ($changeBalance < 0) {
+                throw new WalletNotEnoughException();
+            } else {
+                $user->wallet()->create();
+
+                $wallet = $user->wallet()->lockForUpdate()->first();
+            }
         }
 
         // 变更前余额