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create procedure putdraw
(ID char,money number)
as
vbalance number,vname char;
begin
select Bmoney,name into vbalance,vname from bankcheck
where CIN=ID;
if(vname is null) then
raise_application_error(-20000,'please create a zhanghao');
end if;
update bankcheck set Bmoney=Bmoney+money
where CIN=ID;
end;
/

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vname char;
¸Ä³ÉVARCHAR2(5)

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½¨ÒéÓÃmerge
merge into tablea
using tableb
on (conditions)
when matched then
  update
  set ...
when not matched then
insert into
values (...)

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SQL code:
SQL> create procedure putdraw
2 (ID char,money number)
3 as
4 vbalance number;
5 vname char;
6 begin
7 select Bmoney,name into vbalance,vname from bankcheck
8 where CIN=ID;
9 if(vname is null) then
10 raise_application_error(-20000,'please create a zhanghao');
11 end if;
12 update bankcheck set Bmoney=Bmoney+money
13 where CIN=ID;
14 end;
15 /

Procedure created
SQL> select * from bankcheck;

BMONEY NAME CIN
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