diff --git a/worldsrv/welfmgr.go b/worldsrv/welfmgr.go
index 96921b2..43ce87f 100644
--- a/worldsrv/welfmgr.go
+++ b/worldsrv/welfmgr.go
@@ -1705,9 +1705,17 @@ func (this *WelfareMgr) PigbankGetInfo(p *Player) {
 		}
 		return 0
 	}*/
+
+	if p.WelfData.PigBank == nil {
+		p.WelfData.PigBank = &model.PigBankData{}
+	}
+
 	pool := srvdata.PBDB_PigBank_DiamondMgr.Datas.GetArr()
 	infoData := pool[0]
 	for _, data := range pool {
+		if data == nil {
+			continue
+		}
 		if p.WelfData.PigBank.DayBuyTimes+1+1 >= data.BuyCountMin && p.WelfData.PigBank.DayBuyTimes+1 <= data.BuyCountMax {
 			infoData = data
 			break
@@ -1716,6 +1724,9 @@ func (this *WelfareMgr) PigbankGetInfo(p *Player) {
 
 	BankMaxCoin := int64(0)
 	for _, data := range srvdata.PBDB_PigBank_DiamondMgr.Datas.GetArr() {
+		if data == nil {
+			continue
+		}
 		if p.WelfData.PigBank.DayBuyTimes+1 >= data.BuyCountMin && p.WelfData.PigBank.DayBuyTimes+1 <= data.BuyCountMax {
 			BankMaxCoin = int64(data.MaxGold)
 			break
@@ -1759,9 +1770,17 @@ func (this *WelfareMgr) PigbankTakeCoin(p *Player) {
 		}
 		return 0
 	}*/
+
+	if p.WelfData.PigBank == nil {
+		p.WelfData.PigBank = &model.PigBankData{}
+	}
+
 	pool := srvdata.PBDB_PigBank_DiamondMgr.Datas.GetArr()
 	infoData := pool[0]
 	for _, data := range pool {
+		if data == nil {
+			continue
+		}
 		if p.WelfData.PigBank.DayBuyTimes+1+1 >= data.BuyCountMin && p.WelfData.PigBank.DayBuyTimes+1 <= data.BuyCountMax {
 			infoData = data
 			break
@@ -1770,6 +1789,9 @@ func (this *WelfareMgr) PigbankTakeCoin(p *Player) {
 
 	BankMaxCoin := int64(0)
 	for _, data := range srvdata.PBDB_PigBank_DiamondMgr.Datas.GetArr() {
+		if data == nil {
+			continue
+		}
 		if p.WelfData.PigBank.DayBuyTimes+1 >= data.BuyCountMin && p.WelfData.PigBank.DayBuyTimes+1 <= data.BuyCountMax {
 			BankMaxCoin = int64(data.MaxGold)
 			break
@@ -1873,6 +1895,9 @@ func (this *WelfareMgr) DiamondBankGetInfo(p *Player) {
 		p.WelfData.DiamondBank = &model.DiamondBankData{}
 	}
 	for _, data := range pool {
+		if data == nil {
+			continue
+		}
 		if p.WelfData.DiamondBank.DayBuyTimes+1 >= data.BuyCountMin && p.WelfData.DiamondBank.DayBuyTimes+1 <= data.BuyCountMax {
 			infoData = data
 			break