若客户希望以应收款为担保进行信贷操作，QI Tech 联合 CERC 可以通过与普通债务发行流程非常相似的方式创建该操作。

创建再协商

Request

ENDPOINT

/baas/debt_receivables

MÉTODO

POST

Request Body

{
	"borrower": {
		"name": "Alan Mathison Turing",
		"email": "alan.turing@email.com",
		"phone": {
			"number": "912345678",
			"area_code": "11",
			"country_code": "055"
		},
		"is_pep": false,
		"address": {
			"city": "São Paulo",
			"state": "SP",
			"number": "1000",
			"street": "Avenida Feliz",
			"complement": "AP 801",
			"postal_code": "49026100",
			"neighborhood": "Centro"
		},
		"role_type": "issuer",
		"birth_date": "1990-11-20",
		"mother_name": "Nome da Mãe do Alan",
		"nationality": "brasileiro",
		"person_type": "natural",
		"individual_document_number": "96969879003",
        "document_identification": "494598fd-c226-4332-a500-591ae3884673"
	},
	"financial": {
        "amount": 123456,
        "interest_type": "pre_price_days",
        "credit_operation_type": "ccb",
        "annual_interest_rate": 2.32,
        "disbursement_date": "2023-03-01",
        "interest_grace_period": 0,
        "principal_grace_period": 0,
        "number_of_installments": 2,
        "fine_configuration": {
          "contract_fine_rate": 0.02,
          "interest_base": "calendar_days",
          "monthly_rate": 0.01
        }
    },
	"disbursement_bank_account": {
		"name": "Alan Mathison Turing",
        "document_number": "96969879003",
		"bank_code": "341",
        "branch_number": "8615",
        "account_number": "22110",
        "account_digit": "2",
		"account_type": "checking_account"
	},
	"purchaser_document_number": "32402502000135",
      "contract": {
    "payment_account": {
      "account_number": "48391",
      "account_branch": "0001",
      "account_digit": "6",
      "owner_document_number": "86498542000151"
    },
    "collaterals": [
      {
        "card_scheme": [
          "abc"
        ],
        "initial_date": "2021-06-28",
        "final_date": "2021-07-06",
        "division_rule": 2,
        "encumbered_amount": 30
      }
    ],
    "collateral_management": {
      "collateral_management_type": "absolute",
      "amount": 2000,
      "maximum_value": 2000,
      "maximum_daily_value": 200,
      "minimum_date": "2021-06-28",
      "contract_payment_type": "partial_payment"
    }
  }
}

Response

STATUS

200

Response Body

{
  "data": {
    "additional_iof": 38000,
    "annual_cet": "253,2642%",
    "assignment_amount": 10000000,
    "base_iof": 69331,
    "borrower": {
      "document_number": "89940878025962",
      "name": "Parmalat"
    },
    "cet": "11,0900%",
    "collaterals": [],
    "contract": {
      "external_contract_key": "2f0b8b6e-0b60-47f0-b27f-e291c028549b",
      "number": "1907258737/P",
      "signature_information": [
        {
          "signature_url": "https://sign.qitech.com.br/s/hNrwjda",
          "signer_document_number": "94632180173",
          "signer_email": "pedro.alves@yopmail.com",
          "signer_external_key": "07a1c438-43a4-49a9-85a9-29667507453b",
          "signer_name": "Pedro Felipe Henrique Alves",
          "signer_role": "issuer"
        },
        {
          "signature_url": "https://sign.qitech.com.br/s/EaTajda",
          "signer_document_number": "34651104630",
          "signer_email": "patricia.tereza@yopmail.com",
          "signer_external_key": "61a1ea50-769a-410a-8ef8-09f0ce4611f6",
          "signer_name": "Patrícia Tereza Bernardes",
          "signer_role": "guarantor"
        }
      ],
      "urls": [
        "https://storage.googleapis.com/sandbox-doc-api/documents/abedfeab-dcf8-4e13-897b-da02c222cef4/SALGADINHO_SALETE_LTDA-PARMALAT-CCB-1907258737-20220512165254.pdf"
      ]
    },
    "contract_fee_amount": 50000,
    "contract_fees": [
      {
        "fee_amount": 50000,
        "fee_type": "tac"
      }
    ],
    "external_contract_fee_amount": 0,
    "external_contract_fees": [],
    "installments": [
      {
        "additional_costs": [],
        "advanced_paid_amount": 0,
        "bank_slip_key": null,
        "business_due_date": "2019-08-26",
        "calendar_days": 32,
        "digitable_line": null,
        "due_date": "2019-08-26",
        "due_interest": null,
        "due_principal": 10000000,
        "fine_amount": null,
        "has_interest": true,
        "installment_key": "81e4a732-d300-4e39-b6d5-2d9ac8df429b",
        "installment_number": 1,
        "installment_payment": [],
        "installment_status": "created",
        "installment_type": "principal",
        "original_due_principal": 10000000,
        "original_pre_fixed_amount": 1125598.54,
        "original_principal_amortization_amount": 1000000,
        "original_total_amount": null,
        "paid_amount": 0,
        "paid_at": null,
        "payments": [],
        "post_fixed_amount": null,
        "pre_fixed_amount": 1125598.54,
        "principal_amortization_amount": 1000000,
        "tax_amount": 1312,
        "total_amount": null,
        "total_paid_amount": 0,
        "workdays": 22
      }
    ],
    "iof_charge_method": "financed",
    "issue_amount": 10000000,
    "net_external_contract_fee_amount": 0,
    "number_of_installments": 10,
    "post_fixed_interest_base": "workdays",
    "post_fixed_interest_rate": 1,
    "prefixed_interest_rate": {
      "annual_rate": 2.32,
      "created_at": null,
      "daily_rate": 0.0033388,
      "interest_base": "calendar_days",
      "monthly_rate": 0.10516767
    },
    "requester_identifier_key": "b7ddbcfb-3de0-49d8-8014-07972d8b27f2",
    "total_iof": 107331,
    "total_pre_fixed_amount": 5935915.16
  },
  "event_datetime": "2022-05-12 16:53:10",
  "key": "b7ddbcfb-3de0-49d8-8014-07972d8b27f2",
  "status": "waiting_signature",
  "webhook_type": "debt"
}

注意！

再融资发行中使用的载荷与简单债务发行相同，另外需在 "refinanced_credit_operations" 中添加将被清偿的操作列表。

Body Params

字段	类型	描述	最大字符数
borrower *	object	Borrower 对象 - 信贷操作的债务人。	-
disbursement_bank_account *	object	Disbursement Bank Account 对象 - 操作拨付的银行账户数据。	-
financial *	object	Financial 对象 - 信贷操作的财务数据。	-
purchaser_document_number *	string	信贷操作受让人（购买方）的 CNPJ。	-
refinanced_credit_operations *	array of objects	Refinanced Credit Operations 对象列表，包含被再融资的操作。	-

定义

Request Body 对象

字段	类型	描述	最大字符数
borrower *	object	Borrower 对象 - 信贷操作的债务人	-
disbursement_bank_account *	object	Disbursement Bank Account 对象 - 操作拨付的银行账户数据	-
financial *	object	Financial 对象 - 信贷操作的财务数据	-
purchaser_document_number *	string	信贷操作受让人（购买方）的 CNPJ	-
contract *	object	Contract 对象 - 包含担保数据的合同对象	-

Borrower 对象

字段	类型	描述	最大字符数
name *	string	债务人姓名	100
email	string	债务人电子邮件	254
phone	object	Phone 对象 - 债务人联系电话	-
is_pep *	boolean	PEP 指示符	-
address *	object	Address 对象 - 债务人地址	-
role_type *	enum	默认值：issuer	-
birth_date *	date	债务人出生日期（格式："YYYY-MM-DD"）	-
mother_name *	string	债务人母亲姓名	100
nationality	string	债务人国籍	50
person_type *	string	自然人指示符 - 默认值：natural	-
individual_document_number *	string	债务人 CPF（仅数字）	11
document_identification *	string	债务人带照片身份证件 PDF 的 DOCUMENT_KEY（RG 或 CNH）	-
document_identification_back	string	身份证件背面 PDF 的 DOCUMENT_KEY（已预先提交）	11
wedding_certificate	string	结婚证书 PDF 的 DOCUMENT_KEY（已预先提交）。若 marital_status 为 "single"，值应为 NULL。	11
proof_of_residence *	string	所发送地址的居住证明 PDF 的 DOCUMENT_KEY（已预先提交）	11

Address 对象

字段	类型	描述	最大字符数
city *	string	地址城市	100
state *	string	地址州（两位大写字母）	2
number *	string	地址门牌号	10
street *	string	地址街道	100
complement *	string	地址补充信息（自由文本）	100
postal_code *	string	邮政编码	8
neighborhood *	string	地址社区	100

Phone 对象

字段	描述	最大字符数
number *	电话号码	10
area_code *	地区区号（DDD）	2
country_code *	国际区号（DDI）	3

Disbursement Bank Account 对象

债务发行必须包含拨付的银行账户信息，默认为债务人名下的账户。

字段	类型	描述	最大字符数
name	string	账户持有人姓名	50
document_number	string	账户持有人 CPF	11
bank_code *	string	金融机构 COMPE 代码（3 位数字）	3
branch_number *	string	支行号码（不包含支行验证码）	4
account_number *	string	账户号码（不含账户验证码）	10
account_digit *	string	账户验证码（字母位置以零代替）	1
account_type	enum	Account Type 枚举值 - 账户类型	1

Financial 对象

Financial 对象描述信贷操作的财务信息。

字段	类型	描述	最大字符数
amount	float	信贷操作的发行/名义金额	-
interest_type	object	Interest Type 枚举值 - 摊销方式和利息计算方法	-
credit_operation_type	object	Credit Operation Type 枚举值 - 信贷合同类型	-
annual_interest_rate	float	以年化小数表示的固定利率	-
disbursement_date	date	操作拨付日期	-
interest_grace_period	int	利息宽限期（月）	-
principal_grace_period	int	本金宽限期	-
number_of_installments	int	信贷操作的分期数	-
fine_configuration	object	Fine Configuration 对象 - 逾期利息和罚款配置	-

Fine Configuration 对象

Fine Configuration 对象描述信贷操作的逾期罚款和利息值。

字段	类型	描述	最大字符数
contract_fine_rate	float	逾期罚款百分比	-
interest_base	enum	Interest Base 枚举值 - 利息计算基准	-
monthly_rate	float	月逾期利息百分比	-

Contract 对象

Contract 对象描述信贷操作的财务信息。

字段	类型	描述	最大字符数
payment_account	object	应收款的支付账户。	-
collaterals	array	担保品列表。	-
collateral_management	object	Collateral Management 对象 - 担保配置。	-

Collateral Management 对象

Collateral Management 对象描述信贷操作的财务信息。

字段	类型	描述	最大字符数
collateral_management_type	enum	Collateral Management Type 枚举值 - 用于摊还债务的管理类型。	-
amount	float	将被使用的金额。	-
maximum_value	float	用于支付操作的最大金额。	-
maximum_daily_value	float	每日使用的最大金额。	-
minimum_date	string	开始使用应收款的最早日期。	-
contract_payment_type	enum	Credit Operation Type 枚举值 - 合同支付类型	-

枚举值

Person Type 枚举值

枚举值	描述
legal	法人
natural	自然人

Account Type 枚举值

枚举值	描述
checking_account	活期账户
deposit_account	存款账户
guaranteed_account	担保账户
investment_account	投资账户
payment_account	支付账户
saving_account	储蓄账户
salary_account	工资账户

Interest Type 枚举值

枚举值	描述
pre_price_days	Price 摊销法（等额还款），按日计算固定利率
pre_price	Price 摊销法（等额还款），按固定期间（30 天）计算固定利率
pre_sac	SAC 摊销法（固定摊还），按日计算固定利率
post_sac	SAC 摊销法（固定摊还），按日基于固定利率 + 浮动指数（cdi、ipca 或 igpm）计算利率
post_price	Price 摊销法（等额还款），按固定期间（30 天）基于固定利率 + 浮动指数（cdi、ipca 或 igpm）计算利率
post_price_days	Price 摊销法（等额还款），按日基于固定利率 + 浮动指数（cdi、ipca 或 igpm）计算利率

Credit Operation Type 枚举值

枚举值	描述
ccb	银行信贷凭证
cce	出口信贷凭证
cci	房地产信贷凭证
nce	出口信贷票据

Interest Base 枚举值

枚举值	描述
workdays	以工作日为利息计算基准，一年 252 个工作日
calendar_days	以自然日为利息计算基准，一年 360 天
calendar_days_365	以自然日为利息计算基准，一年 365 天

Fee Type 枚举值

每种费用类型须由 QI Tech 预先启用和配置

枚举值	描述
tac	开户手续费
spread	信贷操作收购价值中收取的溢价
warranty_analysis	担保分析费用
ted_fee	TED 手续费
spread_ted_fee	TED 手续费中收取的溢价

Collateral Management Type 枚举值

枚举值	描述
absolute	绝对值
percentage	百分比值

Payment Type 枚举值

枚举值	描述
partial_payment	部分支付
total_payment	全额支付
monthly_payment	月度支付

Response

STATUS

200

Response Body

{
  "data": {
    "additional_iof": 469.1328,
    "annual_cet": "283,3821%",
    "assignment_amount": 124690.56,
    "base_iof": 473.6829374063069,
    "borrower": {
      "document_number": "96969879003",
      "name": "Alan Mathison Turing"
    },
    "cet": "11,8500%",
    "collaterals": [],
    "contract": {
      "number": "0000067563/AMT",
      "signature_information": [
        {
          "signature_url": null,
          "signer_document_number": "15627918004",
          "signer_email": "alan.turing@email.com",
          "signer_external_key": null,
          "signer_name": "Alan Mathison Turing",
          "signer_role": "issuer"
        }
      ],
      "urls": [
        "https://storage.googleapis.com/sandbox-doc-api/documents/5af36fcd-8e4c-4421-ad45-7bcba899c0d3/SYNGENTASANDBOX-ALAN_MATHISON_TURING-CCB-0000067563-20230302234816.pdf"
      ]
    },
    "contract_fee_amount": 1234.56,
    "contract_fees": [
      {
        "fee_amount": 1234.56,
        "fee_type": "tac"
      }
    ],
    "external_contract_fee_amount": 1234.56,
    "external_contract_fees": [
      {
        "fee_amount": 1234.56,
        "fee_type": "spread",
        "net_fee_amount": 1120.36,
        "tax_amount": 114.2
      }
    ],
    "installments": [
      {
        "accrual_reference_date": null,
        "additional_costs": [],
        "advanced_paid_amount": 0,
        "bank_slip_key": null,
        "business_due_date": "2023-04-03",
        "calendar_days": 33,
        "digitable_line": null,
        "due_date": "2023-04-03",
        "due_interest": null,
        "due_principal": 123456,
        "fine_amount": null,
        "has_interest": true,
        "installment_key": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
        "installment_number": 1,
        "installment_payment": [],
        "installment_status": "created",
        "installment_type": "principal",
        "original_due_principal": 123456,
        "original_pre_fixed_amount": 12345.67,
        "original_principal_amortization_amount": 61728,
        "original_total_amount": null,
        "paid_amount": 0,
        "paid_at": null,
        "payments": [],
        "post_fixed_amount": null,
        "pre_fixed_amount": 12345.67,
        "principal_amortization_amount": 61728,
        "tax_amount": 469.13,
        "total_amount": null,
        "total_paid_amount": 0,
        "workdays": 23
      }
    ],
    "iof_charge_method": "financed",
    "issue_amount": 123456,
    "net_external_contract_fee_amount": 1120.36,
    "number_of_installments": 2,
    "prefixed_interest_rate": {
      "annual_rate": 2.32,
      "created_at": null,
      "daily_rate": 0.0033388,
      "interest_base": "calendar_days",
      "monthly_rate": 0.10516767
    },
    "requester_identifier_key": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
    "total_iof": 942.82,
    "total_pre_fixed_amount": 12345.67
  },
  "event_datetime": "2023-03-02 23:48:16",
  "key": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
  "status": "waiting_signature",
  "webhook_type": "debt"
}

Request​

Response​

Body Params​

定义​

Request Body 对象​

Borrower 对象​

Address 对象​

Phone 对象​

Disbursement Bank Account 对象​

Financial 对象​

Fine Configuration 对象​

Contract 对象​

Collateral Management 对象​

枚举值

Person Type 枚举值​

Account Type 枚举值​

Interest Type 枚举值​

Credit Operation Type 枚举值​

Interest Base 枚举值​

Fee Type 枚举值​

Collateral Management Type 枚举值​

Payment Type 枚举值​

Response​

Request

Response

Body Params

定义

Request Body 对象

Borrower 对象

Address 对象

Phone 对象

Disbursement Bank Account 对象

Financial 对象

Fine Configuration 对象

Contract 对象

Collateral Management 对象

Person Type 枚举值

Account Type 枚举值

Interest Type 枚举值

Credit Operation Type 枚举值

Interest Base 枚举值

Fee Type 枚举值

Collateral Management Type 枚举值

Payment Type 枚举值

Response