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财务条件模拟

此端点允许模拟操作的财务条件和付款流程

注意

Request Body 必须包含有效的参数组合才能被处理。接受的组合包括：

  • 发行金额/释放金额 + 利率
  • 发行金额/释放金额 + 每期金额
  • 每期金额 + 利率
  • 发行金额/释放金额 + 利率 + 每期摊销百分比。

Request​

ENDPOINT
/commercial_paper/simulation
MÉTODO
POST

固定利率操作​

发行金额 + 利率
{
    "interest_type": "pre_price_days",
    "financial_base_date": "2025-01-20",
    "issue_amount": 1000000,
    "number_of_installments": 5,
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.05
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5, 
            "amount_type": "percentage", 
            "fee_type": "structuring_fee",
            "type": "external"
        }
    ],
    "first_due_date_delay": 60,
}
释放金额 + 利率
{
    "interest_type": "pre_price_days",
    "financial_base_date": "2025-01-20",
    "released_amount": 1000000,
    "number_of_installments": 5,
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.05
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5, 
            "amount_type": "percentage", 
            "fee_type": "bookkeeping_fee",
            "type": "external"
        }
    ],
    "first_due_date": "2026-01-31"
}
每期金额 + 利率
{
    "interest_type": "pre_price_days",
    "financial_base_date": "2025-01-20",
    "number_of_installments": 2,
    "installments": [
        {
            "due_date": "2026-01-01",
            "amount": 500000
        },
        {
            "due_date": "2026-02-01",
            "amount": 502004.01
        }
    ],
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.05
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5,
            "amount_type": "percentage",
            "fee_type": "structuring_fee",
            "type": "external"
        }
    ]
}
发行金额 + 每期摊销百分比 + 利率
{
    "interest_type": "pre_sac",
    "financial_base_date": "2025-01-20",
    "issue_amount": 1000000,
    "number_of_installments": 3,
    "installments": [
        {
            "due_date": "2026-01-01",
            "principal_amortization_percentage": 0.1
        },
        {
            "due_date": "2026-02-01",
            "principal_amortization_percentage": 0.1
        },
        {
            "due_date": "2026-03-01",
            "principal_amortization_percentage": 0.8
        }
    ],
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.05
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5,
            "amount_type": "percentage",
            "fee_type": "bookkeeping_fee",
            "type": "external"
        }
    ]
}
发行金额 + 每期金额
{
    "interest_type": "pre_price_days",
    "financial_base_date": "2025-01-20",
    "issue_amount": 700000,
    "number_of_installments": 2,
    "installments": [
        {
            "due_date": "2026-01-01",
            "amount": 500000
        },
        {
            "due_date": "2026-02-01",
            "amount": 502004.01
        }
    ],
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5,
            "amount_type": "percentage",
            "fee_type": "structuring_fee",
            "type": "external"
        }
    ]
}

浮动利率操作​

发行金额 + 利率 + 浮动利率
{
    "interest_type": "post_price_days",
    "financial_base_date": "2025-01-20",
    "issue_amount": 1000000,
    "number_of_installments": 5,
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.05
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 1000, 
            "amount_type": "absolute", 
            "fee_type": "structuring_fee",
            "type": "external"
        }
    ],
    "post_fixed_interest_rate": 100,
    "financial_index": "CDI"
}
释放金额 + 利率 + 浮动利率
{
    "interest_type": "post_price_days",
    "financial_base_date": "2025-01-20",
    "released_amount": 1000000,
    "number_of_installments": 5,
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.05
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5, 
            "amount_type": "percentage", 
            "fee_type": "bookkeeping_fee",
            "type": "external"
        }
    ],
    "post_fixed_interest_rate": 100,
    "financial_index": "CDI"
}
每期金额 + 利率 + 浮动利率
{
    "interest_type": "post_price_days",
    "financial_base_date": "2025-01-20",
    "number_of_installments": 2,
    "installments": [
        {
            "due_date": "2026-01-01",
            "amount": 500000
        },
        {
            "due_date": "2026-02-01",
            "amount": 502004.01
        }
    ],
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.05
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5,
            "amount_type": "percentage",
            "fee_type": "structuring_fee",
            "type": "external"
        }
    ],
    "post_fixed_interest_rate": 100,
    "financial_index": "CDI"
}
发行金额 + 每期摊销百分比 + 利率 + 浮动利率
{
    "interest_type": "post_sac",
    "financial_base_date": "2025-01-20",
    "issue_amount": 1000000,
    "number_of_installments": 3,
    "installments": [
        {
            "due_date": "2026-01-01",
            "principal_amortization_percentage": 0.1
        },
        {
            "due_date": "2026-02-01",
            "principal_amortization_percentage": 0.1
        },
        {
            "due_date": "2026-03-01",
            "principal_amortization_percentage": 0.8
        }
    ],
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.05
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5,
            "amount_type": "percentage",
            "fee_type": "structuring_fee",
            "type": "external"
        }
    ],
    "post_fixed_interest_rate": 100,
    "financial_index": "CDI"
}
发行金额 + 每期金额 + 浮动利率
{
    "interest_type": "post_price_days",
    "financial_base_date": "2025-01-20",
    "issue_amount": 700000,
    "number_of_installments": 2,
    "installments": [
        {
            "due_date": "2026-01-01",
            "amount": 500000
        },
        {
            "due_date": "2026-02-01",
            "amount": 502004.01
        }
    ],
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365", 
    },
    "fine_delay_rate": {
        "interest_base": "calendar_days_365", 
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02,
    "fees": [
        {
            "amount": 5,
            "amount_type": "percentage",
            "fee_type": "structuring_fee",
            "type": "external"
        }
    ],
    "post_fixed_interest_rate": 100,
    "financial_index": "CDI"
}

Request Body Params​

字段类型描述最大字符数
interest_type *string应用的利率类型。interest_type 枚举
financial_base_date *string操作基准日期（格式 "YYYY-MM-DD"）。-
released_amountnumber操作中释放的总金额。-
issue_amountnumber操作的发行金额。-
number_of_installments *integer分期总数。-
installmentsarray包含每期详情的对象。installments 对象
prefixed_interest_rate *object包含固定利率详情的对象。prefixed_interest_rate 对象
fine_delay_rate *object包含违约罚款详情的对象。fine_delay_rate 对象
contract_fine_rate *number以百分比表示的合同罚款。-
feesarray与操作相关的费用列表。fees 对象
post_fixed_interest_ratenumber浮动利率的利率值。-
financial_indexstring浮动利率类型。financial_index 枚举
first_due_datedate第一期日期。-
first_due_date_delaynumber第一期付款开始前的天数。-

installments 对象​

字段类型描述
due_date *string分期到期日（格式 "YYYY-MM-DD"）。
amountnumber分期总金额。
principal_amortization_percentagenumber本金的摊销百分比。

prefixed_interest_rate 对象​

字段类型描述最大字符数
interest_base *string利率计算基准。interest_base 枚举
daily_ratenumber适用的日利率。-
monthly_ratenumber适用的月利率。-
annual_ratenumber适用的年利率。-

fine_delay_rate 对象​

字段类型描述最大字符数
interest_base *string罚款计算基准。interest_base 枚举
monthly_rate *number月罚款率。-

fees 对象​

字段类型描述最大字符数
amount *number适用的费用金额。-
amount_type *string费用金额类型。amount_type 枚举
fee_type *string费用类型。fee_type 枚举
type *string费用收取方。fee_recipient 枚举

interest_type 枚举​

枚举值描述
pre_pricePrice 模型固定利率。
pre_price_days按日历天数计算的 Price 模型固定利率。
pre_sacSAC 模型固定利率。
post_sacSAC 模型浮动利率。
post_price_days按日历天数计算的 Price 模型浮动利率。

financial_index 枚举​

枚举值描述
CDICDI 浮动利率
IPCAIPCA 浮动利率
IGPMIGPM 浮动利率

interest_base 枚举​

枚举值描述
calendar_days日历天数基准。
calendar_days_365365 日历天数基准。
workdays工作日基准。

amount_type 枚举​

枚举值描述
percentage百分比金额。
absolute货币绝对金额。

fee_type 枚举​

枚举值描述
bookkeeping_fee融资书写费。
structuring_fee融资结构费。

fee_recipient 枚举​

枚举值描述
internal支付给书写方的费用。
external支付给发起人的返点。

Response​

STATUS
200
Response Body
{
    "financial_base_date": "2025-01-20",
    "issue_amount": 1075268.82,
    "released_amount": 1000000.0,
    "issue_quantity": 1075268,
    "unit_price": 1.00000076,
    "cet": 7.7,
    "annual_cet": 143.55,
    "number_of_installments": 5,
    "prefixed_interest_rate": {
        "interest_base": "calendar_days_365",
        "monthly_rate": 0.05,
        "daily_rate": 0.0016053474,
        "annual_rate": 0.795856326
    },
    "fees": [
        {
            "amount": 2.0,
            "fee_amount": 21505.38,
            "amount_type": "percentage",
            "fee_type": "bookkeeping_fee",
            "type": "internal"
        },
        {
            "amount": 5.0,
            "fee_amount": 53763.44,
            "amount_type": "percentage",
            "fee_type": "structuring_fee",
            "type": "external"
        }
    ],
    "installments": [
        {
            "installment_number": 1,
            "workdays": 23,
            "calendar_days": 31,
            "principal_amortization_amount": 193292.79655634,
            "principal_amortization_unit_price": 0.17976244,
            "interest_amount": 54820.37344366,
            "amount": 248113.17,
            "due_principal": 1075268.82,
            "due_interest": 0.0,
            "due_date": "2025-02-20",
            "has_interest": true
        },
        {
            "installment_number": 2,
            "workdays": 18,
            "calendar_days": 28,
            "principal_amortization_amount": 207597.32873049,
            "principal_amortization_unit_price": 0.19306566,
            "interest_amount": 40515.84126951,
            "amount": 248113.17,
            "due_principal": 881976.02344366,
            "due_interest": 0.0,
            "due_date": "2025-03-20",
            "has_interest": true
        },
        {
            "installment_number": 3,
            "workdays": 21,
            "calendar_days": 33,
            "principal_amortization_amount": 211453.91638185,
            "principal_amortization_unit_price": 0.19665229,
            "interest_amount": 36659.25361815,
            "amount": 248113.17,
            "due_principal": 674378.69471317,
            "due_interest": 0.0,
            "due_date": "2025-04-22",
            "has_interest": true
        },
        {
            "installment_number": 4,
            "workdays": 19,
            "calendar_days": 28,
            "principal_amortization_amount": 226847.52746545,
            "principal_amortization_unit_price": 0.21096836,
            "interest_amount": 21265.64253455,
            "amount": 248113.17,
            "due_principal": 462924.77833132,
            "due_interest": 0.0,
            "due_date": "2025-05-20",
            "has_interest": true
        },
        {
            "installment_number": 5,
            "workdays": 22,
            "calendar_days": 31,
            "principal_amortization_amount": 236077.25086587,
            "principal_amortization_unit_price": 0.21955201,
            "interest_amount": 12035.91913413,
            "amount": 248113.17,
            "due_principal": 236077.25086587,
            "due_interest": 0.0,
            "due_date": "2025-06-20",
            "has_interest": true
        }
    ],
    "fine_delay_rate": {
        "interest_base": "calendar_days_365",
        "monthly_rate": 0.01
    },
    "contract_fine_rate": 0.02
}

Response Body Params​

字段类型描述最大字符数
financial_base_date *string操作的财务基准日期（格式 "YYYY-MM-DD"）。-
issue_amount *number操作发行的总金额。-
released_amount *number操作中释放的净金额。-
issue_quantity *integer发行的总单位数量。-
unit_price *number发行的单位价格。-
cet *number以百分比表示的总有效成本（CET）。-
annual_cet *number以百分比表示的年化 CET。-
number_of_installments *integer分期总数。-
prefixed_interest_rate *object包含固定利率详情的对象。prefixed_interest_rate 对象
feesarray与操作相关的费用列表。fees 对象
installmentsarray操作中生成的分期详情列表。installments 对象
fine_delay_rate *object包含违约罚款详情的对象。fine_delay_rate 对象
contract_fine_rate *number以百分比表示的合同罚款。-

Response prefixed_interest_rate 对象​

字段类型描述最大字符数
interest_base *string利率计算基准。interest_base 枚举
monthly_rate *number适用的月利率。-
daily_rate *number适用的日利率。-
annual_rate *number适用的年利率。-

fees 对象​

字段类型描述最大字符数
amount *number费用的百分比金额。-
fee_amount *number费用对应的货币金额。-
amount_type *string费用金额类型。amount_type 枚举
fee_type *string费用类型。fee_type 枚举
type *string费用收取方。fee_recipient 枚举

Response installments 对象​

字段类型描述
installment_number *integer分期编号。
workdays *integer到分期到期的工作日数。
calendar_days *integer到分期到期的日历天数。
principal_amortization_amount *number本金摊销金额。
principal_amortization_unit_price *number每单位摊销金额。
interest_amount *number分期应用的利息金额。
amount *number分期总金额。
due_date *string分期到期日（格式 "YYYY-MM-DD"）。