wkc/loan-pricing

Fork 0

Files

wkc bc7011313f 客户类型字段更新

2026-02-02 15:25:38 +08:00

12 KiB

Raw Blame History

利率定价流程 API 接口文档

概述

本文档描述利率定价流程管理相关的后端 API 接口。

基础路径: /loanPricing/workflow

认证方式: Bearer Token (JWT)

Content-Type: application/json

接口列表

1. 发起个人客户利率定价流程

创建个人客户的利率定价申请。

接口地址: POST /loanPricing/workflow/create/personal

权限要求: loanPricing:workflow:create

请求参数:

参数名	类型	必填	说明
custIsn	String	是	客户内码
custName	String	否	客户名称
idType	String	否	证件类型
idNum	String	否	证件号码
guarType	String	是	担保方式,可选值: 信用/保证/抵押/质押
applyAmt	String	是	申请金额,单位: 元
bizProof	String	否	是否有经营佐证,值: true/false
loanLoop	String	否	循环功能,值: true/false
collType	String	否	抵质押类型,可选值: 一线/一类/二类
collThirdParty	String	否	抵质押物是否三方所有,值: true/false

请求示例:

{
  "custIsn": "CUST001",
  "custName": "张三",
  "idType": "身份证",
  "idNum": "110101199001011234",
  "guarType": "抵押",
  "applyAmt": "500000",
  "bizProof": "true",
  "loanLoop": "false",
  "collType": "一类",
  "collThirdParty": "false"
}

响应示例:

{
  "code": 200,
  "msg": "操作成功",
  "data": {
    "id": 1,
    "modelOutputId": 100,
    "serialNum": "20250119143025123",
    "orgCode": "931000",
    "runType": "1",
    "custIsn": "CUST001",
    "custType": "个人",
    "guarType": "抵押",
    "applyAmt": "500000",
    "custName": "张三",
    "idType": "身份证",
    "createTime": "2025-01-19 14:30:25",
    "createBy": "admin"
  }
}

2. 发起企业客户利率定价流程

创建企业客户的利率定价申请。

接口地址: POST /loanPricing/workflow/create/corporate

权限要求: loanPricing:workflow:create

请求参数:

参数名	类型	必填	说明
custIsn	String	是	客户内码
custName	String	否	客户名称
idType	String	否	证件类型
idNum	String	否	证件号码
guarType	String	是	担保方式,可选值: 信用/保证/抵押/质押
applyAmt	String	是	申请金额,单位: 元
loanTerm	String	否	贷款期限（月）
isAgriGuar	String	否	省农担担保贷款,值: true/false
isGreenLoan	String	否	绿色贷款,值: true/false
isTechEnt	String	否	科技型企业,值: true/false
isTradeConstruction	String	否	贸易和建筑业企业标识,值: true/false
collType	String	否	抵质押类型,可选值: 一线/一类/二类
collThirdParty	String	否	抵质押物是否三方所有,值: true/false

请求示例:

{
  "custIsn": "CORP001",
  "custName": "某某科技有限公司",
  "idType": "统一社会信用代码",
  "idNum": "91110000100000000X",
  "guarType": "抵押",
  "applyAmt": "1000000",
  "loanTerm": "36",
  "isAgriGuar": "false",
  "isGreenLoan": "true",
  "isTechEnt": "true",
  "isTradeConstruction": "false",
  "collType": "一类",
  "collThirdParty": "false"
}

响应示例:

{
  "code": 200,
  "msg": "操作成功",
  "data": {
    "id": 2,
    "modelOutputId": 101,
    "serialNum": "20250119143125456",
    "orgCode": "931000",
    "runType": "1",
    "custIsn": "CORP001",
    "custType": "企业",
    "guarType": "抵押",
    "applyAmt": "1000000",
    "custName": "某某科技有限公司",
    "idType": "统一社会信用代码",
    "createTime": "2025-01-19 14:31:25",
    "createBy": "admin"
  }
}

3. 查询利率定价流程列表

分页查询利率定价流程记录,支持多条件筛选。

接口地址: GET /loanPricing/workflow/list

权限要求: loanPricing:workflow:list

请求参数:

参数名	类型	必填	说明
pageNum	Integer	否	页码,默认 1
pageSize	Integer	否	每页数量,默认 10
createBy	String	否	创建者(筛选条件)
custName	String	否	客户名称(模糊查询)
orgCode	String	否	机构号(筛选条件)
custType	String	否	客户类型(筛选条件)
guarType	String	否	担保方式(筛选条件)

请求示例:

GET /loanPricing/workflow/list?pageNum=1&pageSize=10&custName=科技

响应示例:

{
  "code": 200,
  "msg": "查询成功",
  "rows": [
    {
      "id": 1,
      "modelOutputId": 100,
      "serialNum": "20250119143025123",
      "orgCode": "931000",
      "custIsn": "CUST001",
      "custType": "企业",
      "guarType": "抵押",
      "applyAmt": "1000000",
      "loanRate": "4.35",
      "custName": "某某科技有限公司",
      "createTime": "2025-01-19 14:30:25",
      "updateTime": "2025-01-19 15:20:10",
      "createBy": "admin"
    }
  ],
  "total": 1
}

说明: 结果按更新时间(update_time)倒序排列。

4. 查看利率定价流程详情

根据业务方流水号查询流程的完整信息,包括模型输出字段。

接口地址: GET /loanPricing/workflow/{serialNum}

权限要求: loanPricing:workflow:query

路径参数:

参数名	类型	必填	说明
serialNum	String	是	业务方流水号

请求示例:

GET /loanPricing/workflow/20250119143025123

响应示例:

{
  "code": 200,
  "msg": "查询成功",
  "data": {
    "loanPricingWorkflow": {
      "id": 1,
      "modelOutputId": 100,
      "serialNum": "20250119143025123",
      "orgCode": "931000",
      "runType": "1",
      "custIsn": "CUST001",
      "custType": "企业",
      "guarType": "抵押",
      "midPerQuickPay": "false",
      "midPerEleDdc": "false",
      "midEntEleDdc": "false",
      "midEntWaterDdc": "false",
      "applyAmt": "1000000",
      "isCleanEnt": "false",
      "hasSettleAcct": "false",
      "isManufacturing": "true",
      "isAgriGuar": "false",
      "isTaxA": "false",
      "isAgriLeading": "false",
      "loanPurpose": "business",
      "bizProof": "true",
      "collType": "一类",
      "collThirdParty": "false",
      "loanRate": "4.35",
      "executeRate": "4.20",
      "custName": "某某科技有限公司",
      "idType": "统一社会信用代码",
      "isInclusiveFinance": "true",
      "createTime": "2025-01-19 14:30:25",
      "createBy": "admin",
      "updateTime": "2025-01-19 15:20:10",
      "updateBy": "admin"
    },
    "modelRetailOutputFields": {
      "id": 1,
      "custIsn": "CUST001",
      "custType": "个人",
      "custName": "张三",
      "idType": "身份证",
      "idNum": "330102199001011234",
      "baseLoanRate": "3.45",
      "isFirstLoan": "true",
      "faithDay": "365",
      "custAge": "35",
      "bpFirstLoan": "-10",
      "bpAgeLoan": "-5",
      "bpAge": "0",
      "totalBpLoyalty": "-15",
      "balanceAvg": "50000",
      "loanAvg": "300000",
      "derivationRate": "0.6",
      "totalBpContribution": "-20",
      "midPerCard": "true",
      "midPerPass": "false",
      "midPerHarvest": "true",
      "midPerEffect": "true",
      "midPerQuickPay": "false",
      "midPerEleDdc": "false",
      "midPerWaterDdc": "false",
      "midPerHuashuDdc": "false",
      "MidPerGasDdc": "false",
      "midPerCitizencard": "true",
      "midPerFinMan": "false",
      "midPerEtc": "true",
      "bpMid": "-15",
      "totoalBpRelevance": "-50",
      "applyAmt": "500000",
      "bpLoanAmount": "0",
      "loanPurpose": "consumer",
      "bizProof": "false",
      "bpLoanUse": "0",
      "loanLoop": "false",
      "bpLoanLoop": "0",
      "collType": "一类",
      "collThirdParty": "false",
      "bpCollateral": "-30",
      "greyCust": "false",
      "prinOverdue": "false",
      "interestOverdue": "false",
      "cardOverdue": "false",
      "bpGreyOverdue": "0",
      "totoalBpRisk": "0",
      "totalBp": "-80",
      "calculateRate": "2.65"
    },
    "modelCorpOutputFields": {
      "id": 2,
      "custIsn": "CUST001",
      "custType": "企业",
      "custName": "某某科技有限公司",
      "idType": "统一社会信用代码",
      "idNum": "91330100MA2ABCDE01",
      "baseLoanRate": "3.45",
      "isFirstLoan": "false",
      "faithDay": "730",
      "bpFirstLoan": "0",
      "bpAgeLoan": "-5",
      "totalBpLoyalty": "-5",
      "balanceAvg": "500000",
      "loanAvg": "3000000",
      "derivationRate": "0.16",
      "totalBpContribution": "-30",
      "midEntConnect": "true",
      "midEntEffect": "true",
      "midEntInter": "false",
      "midEntAccept": "true",
      "midEntDiscount": "false",
      "midEntEleDdc": "true",
      "midEntWaterDdc": "false",
      "midEntTax": "true",
      "bpMid": "-20",
      "payroll": "50",
      "invLoanAmount": "2000000",
      "bpPayroll": "-10",
      "isCleanEnt": "true",
      "hasSettleAcct": "true",
      "isAgriGuar": "false",
      "isGreenLoan": "false",
      "isTechEnt": "true",
      "bpEntType": "-25",
      "totoalBpRelevance": "-55",
      "loanTerm": "36",
      "bpLoanTerm": "0",
      "applyAmt": "1000000",
      "bpLoanAmount": "0",
      "collType": "一类",
      "collThirdParty": "false",
      "bpCollateral": "-30",
      "greyCust": "false",
      "prinOverdue": "false",
      "interestOverdue": "false",
      "cardOverdue": "false",
      "bpGreyOverdue": "0",
      "totoalBpRisk": "0",
      "totalBp": "-85",
      "calculateRate": "2.60"
    }
  }
}

说明:

loanPricingWorkflow: 利率定价流程基本信息
modelRetailOutputFields: 个人客户模型输出字段(当 custType 为个人时返回)
modelCorpOutputFields: 企业客户模型输出字段(当 custType 为企业时返回)

5. 设定执行利率

为利率定价流程设定或更新最终执行利率。

接口地址: PUT /loanPricing/workflow/{serialNum}/executeRate

权限要求: 无特殊权限要求

路径参数:

参数名	类型	必填	说明
serialNum	String	是	业务方流水号

请求参数:

参数名	类型	必填	说明
executeRate	String	是	执行利率(%)

请求示例:

PUT /loanPricing/workflow/20250119143025123/executeRate

{
  "executeRate": "4.20"
}

响应示例:

成功 (200):

{
  "code": 200,
  "msg": "操作成功"
}

失败 (记录不存在):

{
  "code": 500,
  "msg": "设定失败"
}

说明:

该接口支持多次设定/更新执行利率
更新成功后会自动记录 updateBy 和 updateTime
如果指定的 serialNum 不存在,返回"设定失败"

错误码说明

错误码	说明
200	请求成功
401	未授权,请先登录
403	无权限访问
404	资源不存在
500	服务器内部错误

错误响应示例:

{
  "code": 404,
  "msg": "记录不存在"
}

数据字典

客户类型 (custType)

值	说明
个人	个人客户
企业	企业客户

担保方式 (guarType)

值	说明
信用	信用贷款
保证	保证贷款
抵押	抵押贷款
质押	质押贷款

贷款用途 (loanPurpose)

值	说明
consumer	消费贷款
business	经营贷款

抵质押类型 (collType)

值	说明
一线	一线抵押
一类	一类抵押
二类	二类抵押

在线文档

访问 Swagger UI 查看交互式 API 文档: http://localhost:8080/swagger-ui.html

12 KiB Raw Blame History

利率定价流程 API 接口文档

概述

接口列表

1. 发起个人客户利率定价流程

2. 发起企业客户利率定价流程

3. 查询利率定价流程列表

4. 查看利率定价流程详情

5. 设定执行利率

错误码说明

数据字典

客户类型 (custType)

担保方式 (guarType)

贷款用途 (loanPurpose)

抵质押类型 (collType)

在线文档

12 KiB

Raw Blame History