简要描述：

  • 上传html格式的征信识别报告，输出识别结果

请求URL:

接口地址：https://gauss.shargoodata.com/gauss/api/credit_report_ocr.json
请求方式：form-data

请求头：

参数名 是否必须 类型 说明
token 是 string token

请求参数:

文件大小要求：文件不超过8M；文件越小，OCR速度越快
参数名 是否必须 类型 说明
serviceName 是 string 传参 “credit_report_ocr”
platformNo 是 string 商户号
image 是 file 必须是html文件
reqData 是 string 请求json字符串
    outside_no 是 string 外部订单编号
    timestamp 是 string yyyy-MM-dd-HH-mm-ss格式时间

响应结果:

参数名 是否必须 类型 说明
success 是 boolean 是否处理成功，true:成功，false：失败；
outside_no 是 string 外部订单编号
data 否 json 识别数据
error_code 否 string 错误代码
message 否 string 错误描述
data参数：
序号 参数名 类型 说明
（一） baseInfo json 报告基本信息
    docName string 文件名
    exchangeTime string 提取时间
    fileSize string 文件大小
reportTitle string 报告的标题，显示”个人信用报告”
（二） queryInfo json 查询信息
    queryTime string 查询时间
（三） respondentInfo json 被查询者信息
    respondentName string 被查询者姓名
    respondentCardType string 被查询者证件类型
    respondentCardNo string 被查询者证件号码
    queryAgency string 查询机构
    queryReason string 查询原因
（四） identityInfo json 身份信息
    maritalStatus string 婚姻状况
    degree string 学历
    academicDegree string 学位
    employStatus string 就业状况
    nationality string 国籍
    email string 电子邮箱
    gender string 性别
    birthDate string 生日
（五） contactInfo json 联系方式
    postalAddress string 通讯地址
    registrationAddress string 户籍地址
    phoneInfo json 手机号码（多项）
        serialNo string 编号
        phoneNo string 号码
        updateTime string 信息更新日期
（六） spouseInfo json 配偶信息
    name string 姓名
    cardType string 证件类型
    cardNo string 证件号码
    work string 工作单位
    phoneNo string 联系电话
（七） residency json 居住信息 （多项）
    serialNo string 编号
    residenceAddress string 居住地址
    dwellingPhone string 住宅电话
    residencyStatus string 居住状况
    updateTime string 信息更新日期
（八） professionInfo json 职业信息（多项）
    serialNo string 编号
    work string 工作单位
    worktype string 单位性质
    address string 单位地址
    phone string 单位电话
    profession string 职业
    field string 行业
    position string 职务
    title string 职称
    hiredYear string 进入单位年份
    updateTime string 信息更新日期
（九） loanStatus json 客户借贷状况报告
    loan json 贷款
      - HousingLoan json - 个人住房贷款
          accountQuantity string 帐户数
          firstMonth string 首笔业务发送月份
     - commercialLoan json - 个人商用房贷款
          accountQuantity string 帐户数
          firstMonth string 首笔业务发送月份
     - otherLoan json - 其他类贷款
          accountQuantity string 帐户数
          firstMonth string 首笔业务发送月份
    creditCard json 信用卡
      - creditCard json - 贷记卡
          accountQuantity string 帐户数
          firstMonth string 首笔业务发送月份
      semiCC json - 准贷记卡
          accountQuantity string 帐户数
          firstMonth string 首笔业务发送月份
    other json 其他
      - other json - 其他
          quantity string 帐户数
          firstMonth string 首笔业务发送月份
    total json 合计
      quantity string 帐户数
（十） rptloanDefault json 客户借贷违约报告
    overdueInfo json 逾期（透支）信息汇总
      - nonRevolvingLoanAccount json - 非循环贷账户
          accountQuantity string 帐户数
          monthCount string 月份数
          maxMonthlyDelayAmountTotalOverdraftAmout string 单月最高逾期/透支总额
          longestOverdueDurationOverdraftMonths string 最长逾期/透支月数
      - subAccounts json - 循环额度下分账户
          accountQuantity string 帐户数
          monthCount string 月份数
          maxMonthlyDelayAmountTotalOverdraftAmout string 单月最高逾期/透支总额
          longestOverdueDurationOverdraftMonths string 最长逾期/透支月数
      - revolvingLoanAccount json - 循环贷账户
          accountQuantity string 帐户数
          monthCount string 月份数
          maxMonthlyDelayAmountTotalOverdraftAmout string 单月最高逾期/透支总额
          longestOverdueDurationOverdraftMonths string 最长逾期/透支月数
     - creditCardAccount json - 贷记卡账户
          accountQuantity string 帐户数
          monthCount string 月份数
          maxMonthlyDelayAmountTotalOverdraftAmout string 单月最高逾期/透支总额
          longestOverdueDurationOverdraftMonths string 最长逾期/透支月数
      - semiCreditCardAccount json - 准贷记卡账户
          accountQuantity string 帐户数
          monthCount string 月份数
          maxMonthlyDelayAmountTotalOverdraftAmout string 单月最高逾期/透支总额
          longestOverdueDurationOverdraftMonths string 最长逾期/透支月数
（十一） liabilityInfo json 客户交易授信及负债信息
    nonRevolvingLoanAccount json 非循环贷款账户信息汇总
      regulatoryQuantity string 管理机构数
      accountQuantity string 帐户数
      totalCreditFacility string 授信总额
      balance string 余额
      6monthAverageRepayment string 最近6个月平均还款额
    r4AccountSummary json 循环额度下分帐户信息汇总
      regulatoryQuantity string 管理机构数
      accountQuantity string 帐户数
      totalCreditFacility string 授信总额
      balance string 余额
      6monthAverageRepayment string 最近6个月平均还款额
    revolvingLoanAccount json 循环贷账户信息汇总
      regulatoryQuantity string 管理机构数
      accountQuantity string 帐户数
      totalCreditFacility string 授信总额
      balance string 余额
      6monthAverageRepayment string 最近6个月平均还款额
    creditCardAccount json 贷记卡账户信息汇总
      cardIssuerQuantity string 发卡机构数
      accountQuantity string 帐户数
      totalCreditFacility string 授信总额
      singleInstitutionMaxCredit string 单家机构最高授信额
      singleInstitutionMinCredit string 单家机构最低授信额
      quotaUsed string 已用额度
      averageRepayment string 最近6个月平均应还款
    repaymentReport json 客户还款情况汇总报告
      - guaranteeLiability string - 担保责任
          accountQuantity string 账户数
          guaranteedAmount string 担保金额
          balance string 余额
      - otherLiability string - 其他责任
          returnAmmount string 还款责任金额
          balance string 余额
          guaranteedAmount string 担保金额
（十二） queryRecordSummary json 查询记录概要
    lastRecord json 上一次查询记录
      queryTime string 查询时间
      inquiryInstitution string 查询机构
      queryType string 查询原因
    queryStatistics json 查询统计
      - 1MInstitutionQueryVolume json - 最近一个月内查询机构数
          loanApproval string 贷款审批
          ccApproval string 信用卡审批
      - 30DQueryCount json - 最近一个月内的查询次数
          loanApproval string 贷款审批
          ccApproval string 信用卡审批
          selfQuery string 本人查询
      - recent2YQueries json - 最近二年内的查询次数
          postLoanManage string 贷后管理
          guarantorCheck string 担保资格审查
          identityReview string 特约商户实名审查
（十三） regularAccount json 普通账户（多项）
    serialNo string 账户编号
    regulatoryAgency string 管理机构
    accountMark string 账户标识
    openingDate string 开立日期
    expDate string 到期日期
    borrowingAmount string 借款金额
    currency string 账户币种
    tradeType string 业务种类
    guarantyStyle string 担保方式
    repaymentPeriod string 还款期数
    repaymentFrequency string 还款频率
    repaymentMethod string 还款方式
    BorrowerIndicator string 共同借款标志
    deadline string 截至时间
13.1 以下为“ 账户状态：正常 ”下的字段
    accountStatus string 显示“正常”
    5C string 五级分类
    balance string 余额
    usedQuota string 已用额度
    pendingLargeInstallment string 未出单的大额专项分期余额
    balanceTerm string 剩余还款期数
    MUA string 最大使用额度
    MonthlyPayment string 本月应还款
    PDD string 应还款日
    actualReturnAmount string 本月实还款
    previousDueDate string 最近一次还款日期
    currentOverduePeriod string 当前逾期期数
    currentOverdueAmmount string 当前逾期总额
    M2OverduePrincipal string 逾期31-60天未还款本金
    M3OverduePrincipal string 逾期61-90天未还款本金
    M3+OverduePrincipal string 逾期91-180天未还本金
    M6+OverduePrincipal string 逾期180天以上未还本金
    recordDuration string 还款记录时间段
    repaymentRecord json 还款记录（多项）
      动态显示年份 动态显示年份
          repaymentStatus string 还款状态
          overdueAmmount string 逾期金额
    specialTradeType json 特殊交易类型（多项）
      specialTradeType string 特殊交易类型
      occurrencyDate string 发生日期
      changeMonth string 变更月数
      occurrencyAmmount string 发生金额
13.2 以下为“账户状态：结清”状态下的字段
    accountStatus string 显示“结清”
    closeDate string 账户关闭日期
    balance string 余额
    ReturnDate string 还款日期
    returnAmmount string 还款金额
    transferMonth string 转出月份
（十四） subAccounts json 循环额度下分账户（多项）
    serialNo string 账户编号
    regulatoryAgency string 管理机构
    accountMark string 账户标识
    openingDate string 开立日期
    expDate string 到期日期
    borrowingAmount string 借款金额
    currency string 账户币种
    tradeType string 业务种类
    guarantyStyle string 担保方式
    repaymentPeriod string 还款期数
    repaymentFrequency string 还款频率
    repaymentMethod string 还款方式
    BorrowerIndicator string 共同借款标志
    deadline string 截至时间
14.1 以下为“账户状态：正常”状态下的字段
    accountStatus string 显示“正常”
    5C string 五级分类
    balance string 余额
    usedQuota string 已用额度
    pendingLargeInstallment string 未出单的大额专项分期余额
    balanceTerm string 剩余还款期数
    MUA string 最大使用额度
    MonthlyPayment string 本月应还款
    PDD string 应还款日
    actualReturnAmount string 本月实还款
    previousDueDate string 最近一次还款日期
    currentOverduePeriod string 当前逾期期数
    currentOverdueAmmount string 当前逾期总额
    M2OverduePrincipal string 逾期31-60天未还款本金
    M3OverduePrincipal string 逾期61-90天未还款本金
    M3+OverduePrincipal string 逾期91-180天未还本金
    M6+OverduePrincipal string 逾期180天以上未还本金
    recordDuration string 还款记录时间段
    repaymentRecord json 还款记录（多项）
      动态显示年份 string 年份 （动态）
          repaymentStatus string 还款状态
          overdueAmmount string 逾期金额
    specialTradeType json 特殊交易类型（多项）
      specialTradeType string 特殊交易类型
      occurrencyDate string 发生日期
      changeMonth string 变更月数
      occurrencyAmmount string 发生金额
14.2 以下为“账户状态：结清”状态下的字段
    accountStatus string 显示“结清”
    closeDate string 账户关闭日期
    balance string 余额
    ReturnDate string 还款日期
    returnAmmount string 还款金额
    transferMonth string 转出月份
（十五） revolvingLoanAccount json 循环贷账户（多项）
    serialNo string 账户编号
    regulatoryAgency string 管理机构
    accountMark string 账户标识
    openingDate string 开立日期
    expDate string 到期日期
    creditLine string 账户授信额度
    currency string 账户币种
    tradeType string 业务种类
    guarantyStyle string 担保方式
    repaymentPeriod string 还款期数
    repaymentFrequency string 还款频率
    repaymentMethod string 还款方式
    BorrowerIndicator string 共同借款标志
    deadline string 截至时间
15.1 以下为“账户状态：正常”状态下的字段
    accountStatus string 显示“正常”
    5C string 五级分类
    balance string 余额
    usedQuota string 已用额度
    pendingLargeInstallment string 未出单的大额专项分期余额
    balanceTerm string 剩余还款期数
    MUA string 最大使用额度
    MonthlyPayment string 本月应还款
    PDD string 应还款日
    actualReturnAmount string 本月实还款
    previousDueDate string 最近一次还款日期
    currentOverduePeriod string 当前逾期期数
    currentOverdueAmmount string 当前逾期总额
    M2OverduePrincipal string 逾期31-60天未还款本金
    M3OverduePrincipal string 逾期61-90天未还款本金
    M3+OverduePrincipal string 逾期91-180天未还本金
    M6+OverduePrincipal string 逾期180天以上未还本金
    recordDuration string 还款记录时间段
    repaymentRecord json 还款记录（多项）
      动态显示年份 string 年份 （动态）
          repaymentStatus string 还款状态
          overdueAmmount string 逾期金额
    specialTradeType json 特殊交易类型（多项）
      specialTradeType string 特殊交易类型
      occurrencyDate string 发生日期
      changeMonth string 变更月数
      occurrencyAmmount string 发生金额
15.2 以下为“账户状态：结清”状态下的字段
    accountStatus string 显示“结清”
    closeDate string 账户关闭日期
    balance string 余额
    ReturnDate string 还款日期
    returnAmmount string 还款金额
    transferMonth string 转出月份
（十六） creditCardAccount json 贷记卡账户（多项）
    serialNo string 账户编号
    cardIssuer string 发卡机构
    accountMark string 账户标识
    openingDate string 开立日期
    creditLine string 账户授信额度
    commonCreditLine string 共享授信额度
    currency string 币种
    tradeType string 业务种类
    guarantyStyle string 担保方式
    deadline string 截至时间
16.1 以下为“账户状态：正常”状态下的字段
    accountStatus string 显示“正常”
    balance string 余额
    usedQuota string 已用额度
    pendingLargeInstallment string 未出单的大额专项分期余额
    balanceTerm string 剩余还款期数
    MUA string 最大使用额度
    billingDate string 账单日
    MonthlyPayment string 本月应还款
    actualReturnAmount string 本月实还款
    previousDueDate string 最近一次还款日期
    currentOverduePeriod string 当前逾期期数
    currentOverdueAmmount string 当前逾期总额
    M2OverduePrincipal string 逾期31-60天未还款本金
    M3OverduePrincipal string 逾期61-90天未还款本金
    M3+OverduePrincipal string 逾期91-180天未还本金
    M6+OverduePrincipal string 逾期180天以上未还本金
    installmentInfo json 大额专项分期信息，部分账户会出现这些信息
      installmentQuota string 大额专项分期额度
      effectiveTime string 分期额度生效日期
      expirationTime string 分期额度到期日期
      usedAmmount string 已用分期金额
    recordDuration string 还款记录时间段
    repaymentRecord string 还款记录（多项）
      动态显示年份 string 年份 （动态）
          repaymentStatus string 还款状态
          overdueAmmount string 逾期金额
    specialTradeType json 特殊交易类型（多项）
      specialTradeType string 特殊交易类型
      occurrencyDate string 发生日期
      changeMonth string 变更月数
      occurrencyAmmount string 发生金额
16.2 以下为“账户状态：销户”下的字段
    accountStatus string 显示“销户”
    closureDate string 销户日期
    balance string 余额
    ReturnDate string 还款日期
    returnAmmount string 还款金额
    transferMonth string 转出月份
16.3 以下为“账户状态：未激活”下的字段
    accountStatus string 显示“未激活”
（十七） responsibilityInfo json 相关还款责任信息（多项）
    serialNo string 账户编号
    regulatoryAgency string 管理机构
    tradeType string 业务种类
    openingDate string 开立日期
    expDate string 到期日期
    responsibleType string 责任人类型
    returnAmmount string 还款责任金额
    currecncy string 币种
    contractNumber string 保证合同编号
    deadline string 截至时间
    balance string 余额
    5C string 五级分类
    repaymentStatus string 还款状态
    overdueDuration string 逾期月数
（十八） creditAgreements json 授信协议信息（多项）
    serialNo string 协议编号
    regulatoryAgency string 管理机构
    agreementMark string 授信协议标识
    validDate string 生效日期
    expDate string 到期日期
    use string 授信额度用途
    creditLimit string 授信额度
    creditLimitMax string 授信限额
    creditLimitNo string 授信限额编号
    usedLimit string 已用额度
    currecncy string 币种
（十九） queryRecords json 查询记录（多项）
    serialNo string 查询编号
    queryTime string 查询日期
    inquiryInstitution string 查询机构
    queryType string 查询原因
error_code参数说明：
error code message
501 商户不存在
400 参数不合法

返回示例:

正确时返回:

{
    "success": true,
    "outside_no": "1234444",
    "data": {
        "baseInfo": {
            "docName": "DPA124S00012025092300013.html",
            "fileSize": "78,605 bytes",
            "exchangeTime": "2025-09-23 17:18:06"
        },
        "residency": [
            {
                "residencyStatus": "--",
                "dwellingPhone": "--",
                "updateTime": "2024-03-14",
                "residenceAddress": "河北省沧州市新华区泰古香槟郡1号楼三单元2102",
                "serialNo": "1"
            },
            {
                "residencyStatus": "--",
                "dwellingPhone": "--",
                "updateTime": "2024-03-13",
                "residenceAddress": "河北省沧州市新华区新华区泰古香槟郡1号楼",
                "serialNo": "2"
            },
            {
                "residencyStatus": "亲属楼宇",
                "dwellingPhone": "--",
                "updateTime": "2023-09-14",
                "residenceAddress": "河北省沧州市南皮县鲍官屯镇小集村223号",
                "serialNo": "3"
            }
        ],
        "regularAccount": [
            {
                "repaymentMethod": "分期等额本息",
                "specialTradeType": [],
                "repaymentPeriod": "240",
                "accountMark": "",
                "currentOverdueAmmount": "0",
                "balanceTerm": "212",
                "expDate": "2042-12-14",
                "accountStatus": "正常",
                "PDD": "2025-04-14",
                "repaymentRecord": {
                    "2025": {
                        "repaymentStatus": {
                            "9M": "",
                            "8M": "",
                            "7M": "",
                            "6M": "",
                            "5M": "",
                            "4M": "N",
                            "3M": "N",
                            "2M": "N",
                            "1M": "N",
                            "12M": "",
                            "11M": "",
                            "10M": ""
                        },
                        "overdueAmmount": {
                            "9M": "",
                            "8M": "",
                            "7M": "",
                            "6M": "",
                            "5M": "",
                            "4M": "0",
                            "3M": "0",
                            "2M": "0",
                            "1M": "0",
                            "12M": "",
                            "11M": "",
                            "10M": ""
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                    },
                    "2024": {
                        "repaymentStatus": {
                            "9M": "N",
                            "8M": "N",
                            "7M": "N",
                            "6M": "N",
                            "5M": "N",
                            "4M": "N",
                            "3M": "N",
                            "2M": "N",
                            "1M": "N",
                            "12M": "N",
                            "11M": "N",
                            "10M": "N"
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                        "overdueAmmount": {
                            "9M": "0",
                            "8M": "0",
                            "7M": "0",
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                            "10M": "0"
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                    "2023": {
                        "repaymentStatus": {
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                            "8M": "N",
                            "7M": "N",
                            "6M": "N",
                            "5M": "N",
                            "4M": "N",
                            "3M": "N",
                            "2M": "N",
                            "1M": "N",
                            "12M": "N",
                            "11M": "N",
                            "10M": "N"
                        },
                        "overdueAmmount": {
                            "9M": "0",
                            "8M": "0",
                            "7M": "0",
                            "6M": "0",
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                            "10M": "0"
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                    "2022": {
                        "repaymentStatus": {
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                            "8M": "",
                            "7M": "",
                            "6M": "",
                            "5M": "",
                            "4M": "",
                            "3M": "",
                            "2M": "",
                            "1M": "",
                            "12M": "N",
                            "11M": "",
                            "10M": ""
                        },
                        "overdueAmmount": {
                            "9M": "",
                            "8M": "",
                            "7M": "",
                            "6M": "",
                            "5M": "",
                            "4M": "",
                            "3M": "",
                            "2M": "",
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                            "11M": "",
                            "10M": ""
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                    }
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                "returnAmmount": "",
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                "M3OverduePrincipal": "0",
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                "repaymentFrequency": "月",
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                "openingDate": "2022-12-14",
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                "transferMonth": "",
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                "guarantyStyle": "抵押",
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                "5C": "正常",
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                "closeDate": "",
                "M2OverduePrincipal": "0",
                "M6+OverduePrincipal": "0",
                "regulatoryAgency": "商业银行\"DE\"",
                "borrowingAmount": "400000",
                "pendingLargeInstallment": "0",
                "co-BorrowerIndicator": "无",
                "actualReturnAmount": "2293"
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        ],
        "revolvingLoanAccount": [
            {
                "repaymentMethod": "不区分还款方式",
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                "repaymentPeriod": "",
                "accountMark": "",
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                        "repaymentStatus": {
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                            "8M": "",
                            "7M": "",
                            "6M": "",
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                            "3M": "N",
                            "2M": "N",
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                            "12M": "",
                            "11M": "",
                            "10M": ""
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                        "overdueAmmount": {
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                            "6M": "",
                            "5M": "",
                            "4M": "",
                            "3M": "",
                            "2M": "",
                            "1M": "",
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                            "11M": "N",
                            "10M": "N"
                        },
                        "overdueAmmount": {
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                            "7M": "",
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                "M3OverduePrincipal": "0",
                "repaymentFrequency": "月",
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                "M3+OverduePrincipal": "0",
                "ReturnDate": "",
                "transferMonth": "",
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                "guarantyStyle": "信用/无担保",
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                "5C": "正常",
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                "co-BorrowerIndicator": "无",
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            {
                "repaymentMethod": "按期计算还本付息",
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                "repaymentPeriod": "",
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                            "2M": "",
                            "1M": "",
                            "12M": "",
                            "11M": "",
                            "10M": ""
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                        "overdueAmmount": {
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                "M3OverduePrincipal": "0",
                "repaymentFrequency": "月",
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                "M3+OverduePrincipal": "0",
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                "transferMonth": "",
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                "guarantyStyle": "信用/无担保",
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                "repaymentMethod": "按期计算还本付息",
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                "repaymentPeriod": "",
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                            "8M": "",
                            "7M": "",
                            "6M": "",
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                            "4M": "",
                            "3M": "",
                            "2M": "",
                            "1M": "",
                            "12M": "",
                            "11M": "",
                            "10M": ""
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                        "overdueAmmount": {
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                            "8M": "",
                            "7M": "",
                            "6M": "",
                            "5M": "0",
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                            "3M": "",
                            "2M": "",
                            "1M": "",
                            "12M": "",
                            "11M": "",
                            "10M": ""
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                "creditLine": "2000",
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                "returnAmmount": "",
                "MUA": "0",
                "M3OverduePrincipal": "0",
                "repaymentFrequency": "月",
                "deadline": "2025-05-11",
                "openingDate": "2025-05-11",
                "tradeType": "其他个人消费贷款",
                "M3+OverduePrincipal": "0",
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                "transferMonth": "",
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                "guarantyStyle": "信用/无担保",
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                "closeDate": "",
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                "M6+OverduePrincipal": "0",
                "regulatoryAgency": "消费金融公司\"OF\"",
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            "nationality": "中国",
            "academicDegree": "无",
            "degree": "高中",
            "birthDate": "--",
            "employStatus": "职员",
            "maritalStatus": "未婚",
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            "phoneInfo": [
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                    "updateTime": "2025-05-11",
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                    "updateTime": "2025-04-13",
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                "profession": "商业、服务业人员",
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                "hiredYear": "--",
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                "queryTime": "2025-05-13",
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                "queryTime": "2025-05-11",
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                "queryTime": "2025-05-11",
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                "queryTime": "2025-05-11",
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                "queryType": "贷款审批"
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                "queryTime": "2025-05-11",
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                "queryTime": "2025-04-13",
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                "queryTime": "2025-04-13",
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                "queryType": "贷款审批"
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                "queryTime": "2025-04-13",
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                "queryType": "贷款审批"
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                "queryTime": "2025-03-27",
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                "queryType": "贷款审批"
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                "queryTime": "2024-08-28",
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                "queryTime": "2024-08-11",
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                "queryType": "贷款审批"
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                "queryTime": "2024-06-03",
                "inquiryInstitution": "保险公司\"HO\"",
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                "queryType": "保前审查"
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                "queryTime": "2024-05-31",
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                "queryType": "贷款审批"
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                "queryTime": "2024-04-01",
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                "queryType": "贷款审批"
            },
            {
                "queryTime": "2024-03-13",
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                "queryType": "信用卡审批"
            },
            {
                "queryTime": "2024-03-13",
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                "queryType": "信用卡审批"
            },
            {
                "queryTime": "2024-03-13",
                "inquiryInstitution": "商业银行\"NG\"",
                "serialNo": "25",
                "queryType": "信用卡审批"
            },
            {
                "queryTime": "2024-03-13",
                "inquiryInstitution": "商业银行\"RL\"",
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                "queryType": "信用卡审批"
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                "queryTime": "2024-03-13",
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                "queryType": "信用卡审批"
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                "queryTime": "2024-03-05",
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                "queryTime": "2023-07-12",
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                "queryTime": "2023-07-07",
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                "serialNo": "30",
                "queryType": "贷款审批"
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        ],
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                    "selfQuery": "1",
                    "ccApproval": "0"
                },
                "1MInstitutionQueryVolume": {
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                    "ccApproval": "0"
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                    "guarantorCheck": "1",
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            "queryAgency": "",
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        },
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                },
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                },
                "HousingLoan": {
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            },
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            },
            "total": {
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                "firstMonth": "--"
            },
            "creditCard": {
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            }
        },
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            "phoneNo": ""
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                            "8M": "",
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                    "expirationTime": "",
                    "installmentQuota": ""
                },
                "ReturnDate": "",
                "transferMonth": "",
                "commonCreditLine": "--",
                "recordDuration": "2024 年 03 月—2025 年 04 月的还款记录",
                "guarantyStyle": "信用/无担保",
                "MonthlyPayment": "1934",
                "previousDueDate": "2025-03-28",
                "currentOverduePeriod": "0",
                "serialNo": "贷记卡账户1",
                "usedQuota": "12000",
                "billingDate": "2025-04-17",
                "M2OverduePrincipal": "0",
                "M6+OverduePrincipal": "0",
                "closureDate": "",
                "currecncy": "人民币元",
                "pendingLargeInstallment": "--",
                "actualReturnAmount": "4784"
            },
            {
                "specialTradeType": [],
                "accountMark": "",
                "currentOverdueAmmount": "0",
                "balanceTerm": "0",
                "cardIssuer": "商业银行\"GJ\"",
                "accountStatus": "正常",
                "repaymentRecord": {
                    "2025": {
                        "repaymentStatus": {
                            "9M": "",
                            "8M": "",
                            "7M": "",
                            "6M": "",
                            "5M": "",
                            "4M": "N",
                            "3M": "N",
                            "2M": "N",
                            "1M": "N",
                            "12M": "",
                            "11M": "",
                            "10M": ""
                        },
                        "overdueAmmount": {
                            "9M": "",
                            "8M": "",
                            "7M": "",
                            "6M": "",
                            "5M": "",
                            "4M": "0",
                            "3M": "0",
                            "2M": "0",
                            "1M": "0",
                            "12M": "",
                            "11M": "",
                            "10M": ""
                        }
                    },
                    "2024": {
                        "repaymentStatus": {
                            "9M": "N",
                            "8M": "N",
                            "7M": "N",
                            "6M": "N",
                            "5M": "N",
                            "4M": "N",
                            "3M": "N",
                            "2M": "",
                            "1M": "",
                            "12M": "N",
                            "11M": "N",
                            "10M": "N"
                        },
                        "overdueAmmount": {
                            "9M": "0",
                            "8M": "0",
                            "7M": "0",
                            "6M": "0",
                            "5M": "0",
                            "4M": "0",
                            "3M": "0",
                            "2M": "",
                            "1M": "",
                            "12M": "0",
                            "11M": "0",
                            "10M": "0"
                        }
                    }
                },
                "creditLine": "24000",
                "balance": "24200",
                "returnAmmount": "",
                "MUA": "24202",
                "M3OverduePrincipal": "0",
                "deadline": "2025-04-26",
                "openingDate": "2024-03-14",
                "tradeType": "贷记卡",
                "M3+OverduePrincipal": "0",
                "installmentInfo": {
                    "usedAmmount": "",
                    "effectiveTime": "",
                    "expirationTime": "",
                    "installmentQuota": ""
                },
                "ReturnDate": "",
                "transferMonth": "",
                "commonCreditLine": "--",
                "recordDuration": "2024 年 03 月—2025 年 04 月的还款记录",
                "guarantyStyle": "信用/无担保",
                "MonthlyPayment": "3534",
                "previousDueDate": "2025-03-29",
                "currentOverduePeriod": "0",
                "serialNo": "贷记卡账户2",
                "usedQuota": "24200",
                "billingDate": "2025-04-26",
                "M2OverduePrincipal": "0",
                "M6+OverduePrincipal": "0",
                "closureDate": "",
                "currecncy": "人民币元",
                "pendingLargeInstallment": "--",
                "actualReturnAmount": "7717"
            }
        ],
        "queryInfo": {
            "queryTime": "2025-05-15T12:16:13"
        },
        "liabilityInfo": {
            "revolvingLoanAccount": {
                "regulatoryQuantity": "3",
                "balance": "6,772 元",
                "6monthAverageRepayment": "296 元",
                "accountQuantity": "3",
                "totalCreditFacility": "9,050 元"
            },
            "r4AccountSummary": {},
            "non-revolvingLoanAccount": {
                "regulatoryQuantity": "1",
                "balance": "367,920 元",
                "6monthAverageRepayment": "2,337 元",
                "accountQuantity": "1",
                "totalCreditFacility": "400,000 元"
            },
            "creditCardAccount": {
                "single-InstitutionMinCredit": "12,000 元",
                "recent6MonthAverageUsage": "36,186 元",
                "cardIssuerQuantity": "2",
                "quotaUsed": "36,200 元",
                "single-InstitutionMaxCredit": "24,000 元",
                "accountQuantity": "2",
                "totalCreditFacility": "36,000 元"
            }
        },
        "rptloanDefault": {
            "overdueInfo": {}
        },
        "creditAgreements": [
            {
                "creditLimitNo": "",
                "regulatoryAgency": "消费金融公司\"OF\"",
                "creditLimitMax": "",
                "usedLimit": "300",
                "agreementMark": "E367",
                "validDate": "2025-05-11",
                "use": "循环贷款额度",
                "creditLimit": "2000",
                "currency": "人民币元",
                "expDate": "2030-05-10",
                "serialNo": "授信协议1"
            },
            {
                "creditLimitNo": "",
                "regulatoryAgency": "小额贷款公司\"SE\"",
                "creditLimitMax": "",
                "usedLimit": "--",
                "agreementMark": "I750",
                "validDate": "2025-04-13",
                "use": "循环贷款额度",
                "creditLimit": "500",
                "currency": "人民币元",
                "expDate": "2028-04-13",
                "serialNo": "授信协议2"
            },
            {
                "creditLimitNo": "",
                "regulatoryAgency": "消费金融公司\"NX\"",
                "creditLimitMax": "",
                "usedLimit": "0",
                "agreementMark": "C515",
                "validDate": "2024-08-28",
                "use": "循环贷款额度",
                "creditLimit": "50",
                "currency": "人民币元",
                "expDate": "2026-08-28",
                "serialNo": "授信协议3"
            },
            {
                "creditLimitNo": "",
                "regulatoryAgency": "小额贷款公司\"YH\"",
                "creditLimitMax": "",
                "usedLimit": "6472",
                "agreementMark": "Y202",
                "validDate": "2024-08-06",
                "use": "循环贷款额度",
                "creditLimit": "7000",
                "currency": "人民币元",
                "expDate": "2029-03-05",
                "serialNo": "授信协议4"
            },
            {
                "creditLimitNo": "",
                "regulatoryAgency": "商业银行\"GJ\"",
                "creditLimitMax": "",
                "usedLimit": "24200",
                "agreementMark": "P849",
                "validDate": "2024-03-14",
                "use": "信用卡共享额度",
                "creditLimit": "24000",
                "currency": "人民币元",
                "expDate": "长期",
                "serialNo": "授信协议5"
            },
            {
                "creditLimitNo": "",
                "regulatoryAgency": "商业银行\"NG\"",
                "creditLimitMax": "",
                "usedLimit": "12000",
                "agreementMark": "F601",
                "validDate": "2024-03-13",
                "use": "信用卡共享额度",
                "creditLimit": "12000",
                "currency": "人民币元",
                "expDate": "长期",
                "serialNo": "授信协议6"
            }
        ]
    },
    "time_stamp": 1758619086
}

错误时返回:

{
    "success": false,
    "error_code": "4001",
    "outside_no": "1234444",
    "message": "文件格式不支持，只支持HTML文件"
}
文档更新时间: 2025-09-26 19:25   作者：admin