diff --git a/pom.xml b/pom.xml
index 8b9c8d116..8644ecb65 100644
--- a/pom.xml
+++ b/pom.xml
@@ -10,7 +10,7 @@
     <modelVersion>4.0.0</modelVersion>
 
     <artifactId>manage</artifactId>
-    <version>1.0.20</version>
+    <version>1.0.21</version>
 
     <properties>
         <project.build.sourceEncoding>UTF-8</project.build.sourceEncoding>
diff --git a/src/db/1.0.21/update.sql b/src/db/1.0.21/update.sql
new file mode 100644
index 000000000..1d0d616f3
--- /dev/null
+++ b/src/db/1.0.21/update.sql
@@ -0,0 +1,3 @@
+alter table sys_clients add column settle_remark_tpl varchar(100) null default null after settle_hour;
+
+insert into sys_configs values ('settle.remark_template','RoyalPay{date(MMdd)}{moniker}','清算文件备注模板');
\ No newline at end of file
diff --git a/src/main/java/au/com/royalpay/payment/manage/management/clearing/core/impl/CleanServiceImpl.java b/src/main/java/au/com/royalpay/payment/manage/management/clearing/core/impl/CleanServiceImpl.java
index b89d40a3e..5a4786462 100644
--- a/src/main/java/au/com/royalpay/payment/manage/management/clearing/core/impl/CleanServiceImpl.java
+++ b/src/main/java/au/com/royalpay/payment/manage/management/clearing/core/impl/CleanServiceImpl.java
@@ -16,6 +16,7 @@ import au.com.royalpay.payment.manage.signin.core.ManagerTodoNoticeProvider;
 import au.com.royalpay.payment.manage.support.abafile.ABAConfig;
 import au.com.royalpay.payment.manage.support.abafile.ABAFile;
 import au.com.royalpay.payment.manage.support.abafile.ABATemplate;
+import au.com.royalpay.payment.manage.support.abafile.SettleRemarkTemplateDescriber;
 import au.com.royalpay.payment.manage.tradelog.beans.ClearingLogQuery;
 import au.com.royalpay.payment.tools.connections.mpsupport.MpWechatApi;
 import au.com.royalpay.payment.tools.connections.mpsupport.MpWechatApiProvider;
@@ -528,8 +529,16 @@ public class CleanServiceImpl implements CleanService, ManagerTodoNoticeProvider
             if (settle.getBigDecimal("clearing_amount").compareTo(BigDecimal.ZERO) == 0) {
                 continue;
             }
-            String clientMoniker = settle.getString("client_moniker");
-            String remark = "RoyalPay" + DateFormatUtils.format(dt, "MMdd") + clientMoniker;
+            JSONObject client = clientManager.getClientInfo(settle.getIntValue("client_id"));
+            String remarkTpl = client.getString("settle_remark_tpl");
+            if (StringUtils.isEmpty(remarkTpl)) {
+                remarkTpl = sysConfigManager.getSysConfig().getString("settle.remark_template");
+                if (StringUtils.isEmpty(remarkTpl)) {
+                    remarkTpl = "RoyalPay{date(MMdd)}{moniker}";
+                }
+            }
+
+            String remark = new SettleRemarkTemplateDescriber(remarkTpl, settle, dt).compile();
             aba.addSettleMerchant(settle.getString("bsb_no"), settle.getString("account_no"), settle.getString("account_name"),
                     settle.getBigDecimal("clearing_amount"), remark);
         }
diff --git a/src/main/java/au/com/royalpay/payment/manage/support/abafile/SettleRemarkTemplateDescriber.java b/src/main/java/au/com/royalpay/payment/manage/support/abafile/SettleRemarkTemplateDescriber.java
new file mode 100644
index 000000000..dc5554675
--- /dev/null
+++ b/src/main/java/au/com/royalpay/payment/manage/support/abafile/SettleRemarkTemplateDescriber.java
@@ -0,0 +1,93 @@
+package au.com.royalpay.payment.manage.support.abafile;
+
+import com.alibaba.fastjson.JSONObject;
+import org.apache.commons.lang3.StringUtils;
+import org.apache.commons.lang3.time.DateFormatUtils;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+
+import java.util.ArrayList;
+import java.util.Date;
+import java.util.List;
+import java.util.regex.Matcher;
+import java.util.regex.Pattern;
+
+/**
+ * Create by davep at 2019-07-18 15:20
+ */
+public class SettleRemarkTemplateDescriber {
+    private Logger logger = LoggerFactory.getLogger(getClass());
+    private final Pattern pattern = Pattern.compile("\\{[^\\{\\}]+\\}");
+    private final JSONObject settle;
+    private final Date settleDate;
+    private String template;
+    private List<Replacer> replacers;
+
+    public SettleRemarkTemplateDescriber(String template, JSONObject settle, Date settleDate) {
+        this.template = template;
+        this.settle = settle;
+        this.settleDate = settleDate;
+        replacers = new ArrayList<>();
+        replacers.add(new ClientMonikerReplacer());
+        replacers.add(new SettleDateReplacer());
+    }
+
+    public String compile() {
+        Matcher matcher = pattern.matcher(template);
+        StringBuilder target = new StringBuilder();
+        int startPos = 0;
+        while (matcher.find()) {
+            int start = matcher.start();
+            int end = matcher.end();
+            target.append(template, startPos, start);
+            String group = StringUtils.substring(matcher.group(), 1, -1);
+            String replacement = replacers.stream().filter(replacer -> replacer.match(group))
+                    .limit(1)
+                    .map(replacer -> replacer.replacement(group, SettleRemarkTemplateDescriber.this))
+                    .findFirst().orElse("");
+            target.append(replacement);
+            startPos = end;
+        }
+        target.append(template.substring(startPos));
+        return target.toString();
+    }
+
+    interface Replacer {
+        boolean match(String group);
+
+        String replacement(String group, SettleRemarkTemplateDescriber describer);
+    }
+
+    class ClientMonikerReplacer implements Replacer {
+
+        @Override
+        public boolean match(String group) {
+            return "moniker".equals(group);
+        }
+
+        @Override
+        public String replacement(String group, SettleRemarkTemplateDescriber describer) {
+            return describer.settle.getString("client_moniker");
+        }
+    }
+
+    class SettleDateReplacer implements Replacer {
+        private final String regex = "^date\\((\\w+)\\)$";
+
+        @Override
+        public boolean match(String group) {
+            return group.matches(regex);
+        }
+
+        @Override
+        public String replacement(String group, SettleRemarkTemplateDescriber describer) {
+            Pattern dtPattern = Pattern.compile(regex);
+            Matcher matcher = dtPattern.matcher(group);
+            if (matcher.find()) {
+                String datePattern = matcher.group(1);
+                return DateFormatUtils.format(describer.settleDate, datePattern);
+            }
+            return "";
+        }
+    }
+}
diff --git a/src/test/java/au/com/royalpay/payment/manage/support/abafile/SettleRemarkTemplateDescriberTest.java b/src/test/java/au/com/royalpay/payment/manage/support/abafile/SettleRemarkTemplateDescriberTest.java
new file mode 100644
index 000000000..7ba990ab5
--- /dev/null
+++ b/src/test/java/au/com/royalpay/payment/manage/support/abafile/SettleRemarkTemplateDescriberTest.java
@@ -0,0 +1,34 @@
+package au.com.royalpay.payment.manage.support.abafile;
+
+import com.alibaba.fastjson.JSONObject;
+import org.joda.time.DateTime;
+import org.junit.Assert;
+import org.junit.Test;
+
+import java.util.Date;
+
+import static org.junit.Assert.*;
+
+/**
+ * Create by davep at 2019-07-18 15:27
+ */
+public class SettleRemarkTemplateDescriberTest {
+
+    @Test
+    public void compile() {
+        JSONObject settle = new JSONObject();
+        settle.put("client_moniker", "PINE");
+        SettleRemarkTemplateDescriber describer = new SettleRemarkTemplateDescriber("RoyalPay{date(MMdd)}{moniker}", settle, DateTime.parse("2019-07-18").toDate());
+        String result = describer.compile();
+        Assert.assertEquals("RoyalPay0718PINE", result);
+    }
+
+    @Test
+    public void compile2() {
+        JSONObject settle = new JSONObject();
+        settle.put("client_moniker", "AUPO");
+        SettleRemarkTemplateDescriber describer = new SettleRemarkTemplateDescriber("Pay By App {date(ddMMyy)}", settle, DateTime.parse("2019-07-18").toDate());
+        String res = describer.compile();
+        Assert.assertEquals("Pay By App 180719", res);
+    }
+}
\ No newline at end of file