diff --git a/src/main/java/cokr/xit/fims/payer/service/bean/PayerBean.java b/src/main/java/cokr/xit/fims/payer/service/bean/PayerBean.java
index 7de271b4..0d6c2a8f 100644
--- a/src/main/java/cokr/xit/fims/payer/service/bean/PayerBean.java
+++ b/src/main/java/cokr/xit/fims/payer/service/bean/PayerBean.java
@@ -405,12 +405,12 @@ public class PayerBean extends AbstractBean {
 
 		// 지하 구분 코드
 		strTemp = payer.getUdgdSeCd();
-		if (strTemp.equals("")) {
+		if (strTemp == null || strTemp.equals("")) {
 			payer.setUdgdSeCd("0");
 		}
 		// 전체 주소
 		strTemp = payer.getWholAddr();
-		if (strTemp.equals("")) {
+		if (strTemp == null || strTemp.equals("")) {
 			payer.setWholAddr(payer.getAddr() + ", " + payer.getDtlAddr());
 		}