diff --git a/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/CouponService.java b/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/CouponService.java
new file mode 100644
index 0000000..8d3ae03
--- /dev/null
+++ b/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/CouponService.java
@@ -0,0 +1,32 @@
+package com.czcb.scfs.api.service.v1.coupon;
+
+import com.czcb.scfs.api.core.ApiClient;
+import com.czcb.scfs.api.core.http.HttpHeaders;
+import com.czcb.scfs.api.core.http.HttpResponse;
+import com.czcb.scfs.api.service.v1.coupon.model.CouponLoanRequest;
+import com.czcb.scfs.api.service.v1.coupon.model.CouponLoanResponse;
+
+import static com.czcb.scfs.api.core.Constants.API_VERSION;
+import static com.czcb.scfs.api.core.Constants.V_1;
+
+public class CouponService {
+    private final ApiClient apiClient;
+
+    public CouponService(ApiClient apiClient) {
+        this.apiClient = apiClient;
+    }
+
+    /**
+     * 优惠发放
+     *
+     * @param couponLoanRequest CouponLoanRequest
+     * @return CouponLoanResponse
+     */
+    public CouponLoanResponse couponLoan(CouponLoanRequest couponLoanRequest) {
+        String url = "/coupon/couponLoan";
+        HttpHeaders headers = new HttpHeaders();
+        headers.addHeader(API_VERSION, V_1);
+        HttpResponse<CouponLoanResponse> httpResponse = apiClient.post(url, headers, couponLoanRequest.toJsonRequest(), CouponLoanResponse.class);
+        return httpResponse.getServiceResponse();
+    }
+}
diff --git a/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/model/CouponLoanRequest.java b/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/model/CouponLoanRequest.java
new file mode 100644
index 0000000..52a5fcb
--- /dev/null
+++ b/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/model/CouponLoanRequest.java
@@ -0,0 +1,61 @@
+package com.czcb.scfs.api.service.v1.coupon.model;
+
+import com.czcb.scfs.api.core.ApiRequest;
+import com.czcb.scfs.api.service.TransType;
+import com.google.gson.annotations.SerializedName;
+import lombok.Data;
+import lombok.experimental.Accessors;
+
+import java.math.BigDecimal;
+
+@Data
+@Accessors(chain = true)
+@TransType("100094")
+public class CouponLoanRequest implements ApiRequest {
+    /**
+     * 渠道编号
+     */
+    @SerializedName("channel_no")
+    private String channelNo;
+
+    /**
+     * 应用编号
+     */
+    @SerializedName("app_no")
+    private String appNo;
+
+    /**
+     * 流水号
+     */
+    @SerializedName("serial_no")
+    private String serialNo;
+
+    /**
+     * 账号，优惠接收账号
+     */
+    @SerializedName("account_no")
+    private String accountNo;
+    /**
+     * 户名，优惠接收户名
+     */
+    @SerializedName("account_name")
+    private String accountName;
+
+    /**
+     * 金额，优惠金额
+     */
+    @SerializedName("amount")
+    private BigDecimal amount;
+
+    /**
+     * 操作日期
+     */
+    @SerializedName("trans_date")
+    private String transDate;
+
+    /**
+     * 操作时间
+     */
+    @SerializedName("trans_tradetime")
+    private String transTradeTime;
+}
diff --git a/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/model/CouponLoanResponse.java b/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/model/CouponLoanResponse.java
new file mode 100644
index 0000000..fd0da22
--- /dev/null
+++ b/scfs-api-service/src/main/java/com/czcb/scfs/api/service/v1/coupon/model/CouponLoanResponse.java
@@ -0,0 +1,34 @@
+package com.czcb.scfs.api.service.v1.coupon.model;
+
+import com.czcb.scfs.api.core.ApiResponse;
+import com.google.gson.annotations.SerializedName;
+import lombok.Data;
+import lombok.experimental.Accessors;
+
+@Data
+@Accessors(chain = true)
+public class CouponLoanResponse implements ApiResponse {
+    /**
+     * 000000：表示成功
+     */
+    @SerializedName("recode")
+    private String recode;
+
+    /**
+     * 结果信息
+     */
+    @SerializedName("recode_info")
+    private String recodeInfo;
+
+    /**
+     * 系统日期（YYYY-MM-DD）
+     */
+    @SerializedName("sys_date")
+    private String sysDate;
+
+    /**
+     * 系统时间（YYYY-MM-DD hh:mm:ss）
+     */
+    @SerializedName("sys_time")
+    private String sysTime;
+}
diff --git a/scfs-api-spring-boot-starter/src/main/java/com/czcb/scfs/spring/boot/starter/ScfsAutoConfiguration.java b/scfs-api-spring-boot-starter/src/main/java/com/czcb/scfs/spring/boot/starter/ScfsAutoConfiguration.java
index 6537b81..2688350 100644
--- a/scfs-api-spring-boot-starter/src/main/java/com/czcb/scfs/spring/boot/starter/ScfsAutoConfiguration.java
+++ b/scfs-api-spring-boot-starter/src/main/java/com/czcb/scfs/spring/boot/starter/ScfsAutoConfiguration.java
@@ -7,6 +7,7 @@ import com.czcb.scfs.api.service.echo.EchoService;
 import com.czcb.scfs.api.service.v1.account.AccountService;
 import com.czcb.scfs.api.service.v1.bills.BillService;
 import com.czcb.scfs.api.service.v1.bmd.BmdService;
+import com.czcb.scfs.api.service.v1.coupon.CouponService;
 import com.czcb.scfs.api.service.v1.face.FaceService;
 import com.czcb.scfs.api.service.v1.file.FileService;
 import com.czcb.scfs.api.service.v1.loan.LoanService;
@@ -72,6 +73,14 @@ public class ScfsAutoConfiguration {
         return new BmdService(apiClient);
     }
 
+    /**
+     * 优惠券
+     */
+    @Bean
+    public CouponService couponService(ApiClient apiClient) {
+        return new CouponService(apiClient);
+    }
+
     /**
      * 人脸识别
      */
diff --git a/scfs-api-spring-boot-starter/src/main/java/com/czcb/scfs/spring/boot/starter/SmConfiguration.java b/scfs-api-spring-boot-starter/src/main/java/com/czcb/scfs/spring/boot/starter/SmConfiguration.java
index 29ebe6e..8892834 100644
--- a/scfs-api-spring-boot-starter/src/main/java/com/czcb/scfs/spring/boot/starter/SmConfiguration.java
+++ b/scfs-api-spring-boot-starter/src/main/java/com/czcb/scfs/spring/boot/starter/SmConfiguration.java
@@ -5,9 +5,9 @@ import com.czcb.scfs.api.core.util.PemFile;
 import com.czcb.scfs.api.sm.SmProfile;
 import com.tencent.kona.KonaProvider;
 import org.springframework.boot.autoconfigure.condition.ConditionalOnClass;
+import org.springframework.boot.autoconfigure.condition.ConditionalOnMissingBean;
 import org.springframework.context.annotation.Bean;
 import org.springframework.context.annotation.Configuration;
-import org.springframework.context.annotation.Primary;
 
 import javax.annotation.Resource;
 import java.io.InputStream;
@@ -53,7 +53,7 @@ public class SmConfiguration extends AbstractAutoConfiguration {
     }
 
     @Bean
-    @Primary
+    @ConditionalOnMissingBean
     public SmProfile smProfile() {
         return new SmProfile.Builder()
                 .channel(getChannel())