diff --git a/excel_writer.py b/excel_writer.py
index 388f1d4..08e4b39 100644
--- a/excel_writer.py
+++ b/excel_writer.py
@@ -208,12 +208,12 @@ def build_payment_records(month, month_data, loss_data, plate_client):
             if loss_data:
                 loss_status = loss_data.get(client, '未匹配') if client else '未匹配'
             else:
-                loss_status = '否'  # 无亏损表视为不亏损
+                loss_status = '未匹配'  # 无亏损表视为未匹配，不发放
 
             考核应发 = d['额']
             if loss_status == '是':
                 拦截 = 考核应发; 实发 = 0
-            elif loss_status == '未匹配' and loss_data:
+            elif loss_status == '未匹配':
                 拦截 = 考核应发; 实发 = 0
             else:
                 拦截 = 0; 实发 = 考核应发