diff --git a/app/validate/merchant/MerchantUpdateValidate.php b/app/validate/merchant/MerchantUpdateValidate.php
index a70038cf..cb83d3b7 100644
--- a/app/validate/merchant/MerchantUpdateValidate.php
+++ b/app/validate/merchant/MerchantUpdateValidate.php
@@ -29,7 +29,7 @@ class MerchantUpdateValidate extends Validate
         'mer_address|店铺地址' => 'require|max:128',
         'long|店铺经度' => 'max:24',
         'lat|店铺纬度' => 'max:24',
-        'interest_rate|利率' => 'min:0.01|max:0.1',
+        'interest_rate|利率' => 'min:0.009|max:0.101',
         'settle_cycle|结算周期' => 'min:15|max:90',
     ];
 
diff --git a/crmeb/listens/AutoCheckCreditBuyListen.php b/crmeb/listens/AutoCheckCreditBuyListen.php
index f4a7dbac..82556438 100644
--- a/crmeb/listens/AutoCheckCreditBuyListen.php
+++ b/crmeb/listens/AutoCheckCreditBuyListen.php
@@ -14,7 +14,7 @@ class AutoCheckCreditBuyListen extends TimerService implements ListenerInterface
     public function handle($event): void
     {
         Log::info(__FUNCTION__ . '监听到信用购订单自动结算');
-        $tomorrow = strtotime('tomorrow 14:08:00');
+        $tomorrow = strtotime('tomorrow 14:30:00');
         $time = ($tomorrow - time()) * 1000;
         $this->tick($time, function () {
             request()->clearCache();