diff --git a/src/views/payment/payment-application-form.vue b/src/views/payment/payment-application-form.vue
index 68fe70f..977df89 100644
--- a/src/views/payment/payment-application-form.vue
+++ b/src/views/payment/payment-application-form.vue
@@ -657,7 +657,7 @@ const emptyForm = () => ({
   billType: '',
   paymentRatio: null,
   appliedAmount: 0,
-  paymentMethod: 'bank_transfer',
+  paymentMethod: '',
   billLedgerId: null,
   billNo: '',
   receiptAccountId: null,
@@ -1053,6 +1053,7 @@ export default {
         if (this.billPayment) await this.loadBillOptions('', data.billLedgerId);
       } else {
         this.form = emptyForm();
+        this.form.paymentMethod = this.paymentMethodOptions[0]?.value || '';
         this.form.paymentType = this.initialAddPaymentType();
         this.referenceRows = [];
         this.form.applyDate = this.$dayjs().format('YYYY-MM-DD');