diff --git a/app/main/api/internal/logic/admin_agent/adminreviewbankcardwithdrawallogic.go b/app/main/api/internal/logic/admin_agent/adminreviewbankcardwithdrawallogic.go
index 8a03f63..0d02839 100644
--- a/app/main/api/internal/logic/admin_agent/adminreviewbankcardwithdrawallogic.go
+++ b/app/main/api/internal/logic/admin_agent/adminreviewbankcardwithdrawallogic.go
@@ -114,46 +114,48 @@ func (l *AdminReviewBankCardWithdrawalLogic) AdminReviewBankCardWithdrawal(req *
 // 确认提现（taxRate 为扣税比例，如 0.06 表示 6%）
 func (l *AdminReviewBankCardWithdrawalLogic) approveWithdrawal(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, taxRate float64) error {
 	// 按审核时选择的扣税比例重新计算并更新提现记录与扣税记录
-	if err := l.applyReviewTaxRate(ctx, session, record, taxRate); err != nil {
+	taxModel, err := l.applyReviewTaxRate(ctx, session, record, taxRate)
+	if err != nil {
 		return err
 	}
 	// 根据提现类型执行不同的操作
 	if record.WithdrawType == WithdrawTypeAlipay {
 		// 支付宝提现：按更新后的实际到账金额调用支付宝转账
-		return l.approveAlipayWithdrawal(ctx, session, record)
+		return l.approveAlipayWithdrawal(ctx, session, record, taxModel)
 	} else {
 		// 银行卡提现：直接更新状态为成功（线下转账）
-		return l.approveBankCardWithdrawal(ctx, session, record)
+		return l.approveBankCardWithdrawal(ctx, session, record, taxModel)
 	}
 }
 
-// applyReviewTaxRate 按审核时选择的扣税比例更新提现记录与扣税记录
-func (l *AdminReviewBankCardWithdrawalLogic) applyReviewTaxRate(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, taxRate float64) error {
+// applyReviewTaxRate 按审核时选择的扣税比例更新提现记录与扣税记录，返回更新后的扣税记录
+func (l *AdminReviewBankCardWithdrawalLogic) applyReviewTaxRate(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, taxRate float64) (*model.AgentWithdrawalTax, error) {
 	newTaxAmount := record.Amount * taxRate
 	newActualAmount := record.Amount - newTaxAmount
 
 	record.TaxAmount = newTaxAmount
 	record.ActualAmount = newActualAmount
 	if _, err := l.svcCtx.AgentWithdrawalModel.Update(ctx, session, record); err != nil {
-		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新提现记录扣税金额失败: %v", err)
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新提现记录扣税金额失败: %v", err)
 	}
 
 	taxModel, err := l.svcCtx.AgentWithdrawalTaxModel.FindOneByWithdrawalId(ctx, record.Id)
 	if err != nil {
-		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询扣税记录失败: %v", err)
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询扣税记录失败: %v", err)
 	}
 	taxModel.TaxRate = taxRate
 	taxModel.TaxAmount = newTaxAmount
 	taxModel.ActualAmount = newActualAmount
 	taxModel.TaxableAmount = record.Amount
 	if err := l.svcCtx.AgentWithdrawalTaxModel.UpdateWithVersion(ctx, session, taxModel); err != nil {
-		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新扣税记录失败: %v", err)
+		return nil, errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "更新扣税记录失败: %v", err)
 	}
-	return nil
+	// 更新后，version 已经自增，返回更新后的 taxModel
+	return taxModel, nil
 }
 
 // 确认支付宝提现
-func (l *AdminReviewBankCardWithdrawalLogic) approveAlipayWithdrawal(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal) error {
+func (l *AdminReviewBankCardWithdrawalLogic) approveAlipayWithdrawal(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, taxModel *model.AgentWithdrawalTax) error {
 	// 同步调用支付宝转账
 	transferResp, err := l.svcCtx.AlipayService.AliTransfer(ctx, record.PayeeAccount, record.PayeeName.String, record.ActualAmount, "公司提现", record.WithdrawNo)
 	if err != nil {
@@ -164,11 +166,11 @@ func (l *AdminReviewBankCardWithdrawalLogic) approveAlipayWithdrawal(ctx context
 	switch {
 	case transferResp.Status == "SUCCESS":
 		// 立即处理成功状态
-		return l.completeWithdrawalSuccess(ctx, session, record)
+		return l.completeWithdrawalSuccess(ctx, session, record, taxModel)
 	case transferResp.Status == "FAIL" || transferResp.SubCode != "":
 		// 处理明确失败
 		errorMsg := l.mapAlipayError(transferResp.SubCode)
-		return l.completeWithdrawalFailure(ctx, session, record, errorMsg)
+		return l.completeWithdrawalFailure(ctx, session, record, taxModel, errorMsg)
 	case transferResp.Status == "DEALING":
 		// 处理中状态，更新为处理中但不标记为最终状态
 		record.Remark = sql.NullString{String: "支付宝转账处理中", Valid: true}
@@ -179,12 +181,12 @@ func (l *AdminReviewBankCardWithdrawalLogic) approveAlipayWithdrawal(ctx context
 		return nil
 	default:
 		// 未知状态按失败处理
-		return l.completeWithdrawalFailure(ctx, session, record, "支付宝返回未知状态")
+		return l.completeWithdrawalFailure(ctx, session, record, taxModel, "支付宝返回未知状态")
 	}
 }
 
 // 确认银行卡提现
-func (l *AdminReviewBankCardWithdrawalLogic) approveBankCardWithdrawal(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal) error {
+func (l *AdminReviewBankCardWithdrawalLogic) approveBankCardWithdrawal(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, taxModel *model.AgentWithdrawalTax) error {
 	// 更新提现记录状态为成功
 	record.Status = StatusSuccess
 	record.Remark = sql.NullString{String: "管理员确认提现", Valid: true}
@@ -226,11 +228,7 @@ func (l *AdminReviewBankCardWithdrawalLogic) approveBankCardWithdrawal(ctx conte
 		return err
 	}
 
-	// 更新扣税记录状态为成功
-	taxModel, err := l.svcCtx.AgentWithdrawalTaxModel.FindOneByWithdrawalId(ctx, record.Id)
-	if err != nil {
-		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询扣税记录失败: %v", err)
-	}
+	// 更新扣税记录状态为成功（使用 applyReviewTaxRate 返回的 taxModel，避免再次查询导致乐观锁冲突）
 	if taxModel.TaxStatus == model.TaxStatusPending {
 		taxModel.TaxStatus = model.TaxStatusSuccess // 扣税状态 = 成功
 		taxModel.TaxTime = sql.NullTime{Time: time.Now(), Valid: true}
@@ -315,7 +313,7 @@ func (l *AdminReviewBankCardWithdrawalLogic) rejectWithdrawal(ctx context.Contex
 }
 
 // 完成提现成功（支付宝转账成功后调用）
-func (l *AdminReviewBankCardWithdrawalLogic) completeWithdrawalSuccess(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal) error {
+func (l *AdminReviewBankCardWithdrawalLogic) completeWithdrawalSuccess(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, taxModel *model.AgentWithdrawalTax) error {
 	// 更新提现记录状态为成功
 	record.Status = StatusSuccess
 	record.Remark = sql.NullString{String: "支付宝转账成功", Valid: true}
@@ -357,11 +355,7 @@ func (l *AdminReviewBankCardWithdrawalLogic) completeWithdrawalSuccess(ctx conte
 		return err
 	}
 
-	// 更新扣税记录状态为成功
-	taxModel, err := l.svcCtx.AgentWithdrawalTaxModel.FindOneByWithdrawalId(ctx, record.Id)
-	if err != nil {
-		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询扣税记录失败: %v", err)
-	}
+	// 更新扣税记录状态为成功（使用传入的 taxModel，避免再次查询导致乐观锁冲突）
 	if taxModel.TaxStatus == model.TaxStatusPending {
 		taxModel.TaxStatus = model.TaxStatusSuccess // 扣税状态 = 成功
 		taxModel.TaxTime = sql.NullTime{Time: time.Now(), Valid: true}
@@ -384,7 +378,7 @@ func (l *AdminReviewBankCardWithdrawalLogic) completeWithdrawalSuccess(ctx conte
 }
 
 // 完成提现失败（支付宝转账失败后调用）
-func (l *AdminReviewBankCardWithdrawalLogic) completeWithdrawalFailure(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, errorMsg string) error {
+func (l *AdminReviewBankCardWithdrawalLogic) completeWithdrawalFailure(ctx context.Context, session sqlx.Session, record *model.AgentWithdrawal, taxModel *model.AgentWithdrawalTax, errorMsg string) error {
 	// 更新提现记录状态为失败
 	record.Status = StatusFailed
 	record.Remark = sql.NullString{String: errorMsg, Valid: true}
@@ -428,11 +422,7 @@ func (l *AdminReviewBankCardWithdrawalLogic) completeWithdrawalFailure(ctx conte
 		return err
 	}
 
-	// 更新扣税记录状态为失败
-	taxModel, err := l.svcCtx.AgentWithdrawalTaxModel.FindOneByWithdrawalId(ctx, record.Id)
-	if err != nil {
-		return errors.Wrapf(xerr.NewErrCode(xerr.DB_ERROR), "查询扣税记录失败: %v", err)
-	}
+	// 更新扣税记录状态为失败（使用传入的 taxModel，避免再次查询导致乐观锁冲突）
 	if taxModel.TaxStatus == model.TaxStatusPending {
 		taxModel.TaxStatus = model.TaxStatusFailed // 扣税状态 = 失败
 		taxModel.TaxTime = sql.NullTime{Time: time.Now(), Valid: true}