信用分析 - 法人

要对法人进行信用分析，请使用 Legal Person 端点。

在进行法人信用分析时，需要将以下数据发送到我们的服务器。

定义 Legal Person 对象

Request Body

{
  "id": "12345678",
  "credit_request_date": "2021-03-31T10:30:00-03:00",
  "credit_type": "student_loan",
  "legal_name": "QI Tech Tecnologia LTDA",
  "trading_name": "QI Tech",
  "document_number": "35.472.523/0001-15",
  "constitution_date": "2019-11-11",
  "constitution_type": "llc",
  "email": "suporte.caas@qitech.com.br",
  "monthly_revenue": 50000000,
  "client_category": "Premium User",
  "client_since": "2021-02-11",
  "address": {
    "country": "BRA",
    "street": "Av. Brigadeiro Faria Lima",
    "number": "2391",
    "neighborhood": "Jardim Paulistano",
    "city": "São Paulo",
    "uf": "SP",
    "postal_code": "01452-905"
  },
  "phones": [
    {
      "international_dial_code": "55",
      "area_code": "11",
      "number": "32234611",
      "type": "residential"
    }
  ],
  "shareholders": [
    {
      "name": "Anna Pinto Azevedo",
      "document_number": "261.026.462-31",
      "birthdate": "1972-08-22",
      "email": "annapintoazevedo@sample.com",
      "nationality": "BRA",
      "mother_name": "Beatrice Rodrigues Pinto",
      "father_name": "Luís Azevedo",
      "monthly_income": 800000,
      "declared_assets": 18600000,
      "occupation": "law",
      "gender": "female",
      "address": {
        "country": "BRA",
        "street": "Rua Derviche Djouki",
        "number": "598",
        "complement": "Ap 857",
        "neighborhood": "Chora Menino",
        "city": "São Paulo",
        "uf": "SP",
        "postal_code": "02463-080"
      },
      "phones": [
        {
          "international_dial_code": "55",
          "area_code": "11",
          "number": "55988644",
          "type": "mobile"
        }
      ]
    }
  ],
  "guarantors": [
    {
      "name": "Melissa Lima Melo",
      "document_number": "677.498.846-61",
      "birthdate": "1960-11-21",
      "email": "exemplo2@sample.com",
      "nationality": "BRA",
      "mother_name": "Raíssa Lima",
      "father_name": "Ronaldo Melo",
      "monthly_income": 800000,
      "declared_assets": 18600000,
      "occupation": "law",
      "gender": "female",
      "address": {
        "country": "BRA",
        "street": "Rua Castro Alves",
        "number": "100",
        "complement": "Ap 202",
        "neighborhood": "Parque Estrela Dalva I",
        "city": "Luziânia",
        "uf": "GO",
        "postal_code": "72804-050"
      },
      "phones": [
        {
          "international_dial_code": "55",
          "area_code": "11",
          "number": "21158745",
          "type": "residential"
        }
      ]
    }
  ],
  "financial": {
    "amount": 100000,
    "currency": "BRL",
    "interest_type": "cdi_plus",
    "annual_interest_rate": 2.32,
    "cdi_percentage": 100,
    "number_of_installments": 4
  },
  "warrants": [
    {
      "warrant_type": "real_estate",
      "address": {
        "country": "BRA",
        "street": "Rua Curitiba",
        "number": "150",
        "complement": "Bl 3 apt 122",
        "neighborhood": "Paraíso",
        "city": "São Paulo",
        "uf": "SP",
        "postal_code": "04005-030"
      },
      "property_type": "house",
      "estimated_value": 100000000,
      "forced_selling_value": 60000000
    }
  ],
  "source": {
    "channel": "website",
    "ip": "132.23.161.75",
    "session_id": "2bb684f9-6c00-4993-bcd7-18b9eccd7c9d"
  },
  "scr_parameters" : {
    ...
  }
}

信用分析应在放款前提交至 API，可用于决定是否批准信用申请。根据与客户的协议，所提交的数据也可用于欺诈预防。

本节未定义的、用于组成 CreditProposal 对象的其他对象，请参阅共享对象部分。

名称	类型	描述
id	string	您系统中信用提案的标识符。每个信用分析流程的该编号必须唯一
registration_id	string	客户系统中的注册标识符。用于对同一注册进行多次分析时使用。
credit_request_date	datetime	借款人申请信用的日期和时间
credit_type	enum	正在授予的信用类型。目前支持：clean、student_loan、credit_card_limit
legal_name	string	公司全称
trading_name	string	商号名称
document_number	string	CNPJ，按本文档规定的格式填写
monthly_revenue	integer	月总收入（以分为单位）
client_category	string	根据您的平台或忠诚度计划对客户进行的分类
client_since	date	开始为该客户提供服务的日期
constitution_date	date	公司注册成立日期，依据商业登记
constitution_type	enum	公司组织形式：LLC、corp
email	string	公司代表的电子邮件
address	Address	公司总部地址
phones	list of Phones	公司联系电话列表
shareholders	list of NaturalPerson	公司股东，以自然人模式（NaturalPerson 对象）表示
guarantors	list of Person	操作的担保人，可为自然人（NaturalPerson）或法人（LegalPerson）
financial.amount	integer	借款人申请的总金额，批准后将予以释放
financial.currency	enum	总金额对应的货币单位：BRL、USD、EUR
interest_type	enum	将使用的债务指数：cdi_plus、cdi_percentage、price、pre_fixed
annual_interest_rate	number	年利率中的固定利率部分（百分比）
cdi_percentage	number	将收取的 CDI 百分比（浮动部分）
number_of_installments	integer	分期数
warrants	Warrant	操作中提供的实物担保数据。需在投产前协商确定。目前接受以下类型：real_estate
source	Source	信用销售渠道。目前接受：website 和 app
scr_parameters	ScrParameters	包含在信用分析中使用 SCR 信息所需内容的对象

提交信用提案 - 法人

Request Body

  {
    "id": "12345678",
    ...
  }

Response Body

{
  "id": "12345678",
  "analysis_status": "automatically_approved",
  "reason": "rule_decision_enum"
}

要评估信用提案，只需将 LegalPerson 类型的对象发送到以下端点：

POST https://api.caas.qitech.app/credit_analysis/legal_person

定义 Legal Person 对象​

提交信用提案 - 法人​

定义 Legal Person 对象

提交信用提案 - 法人