```
{
"code": 0,
"message": "业务成功",
"transaction_id": "<实际请求流水号>",
"data": {
"label": "贷前风控 · 个人大数据",
"title": "个人大数据综合报告",
"reportNo": "RPT-DWBGH6P2-20260803163520",
"generatedAt": "2026-08-03 16:35:20",
"version": "V1.0",
"profile": {
"name": "张**",
"mobileNo": "188****5813",
"idCard": "3301**********1234",
"mobileArea": "浙江省 杭州",
"carrier": "移动"
},
"sections": [
{
"title": "一、风险评估",
"subtitle": "综合摘要",
"data": {
"riskLevel": "F",
"personalCreditScore": 594,
"overdueRiskLevel": 4,
"financialBlacklistHit": "命中",
"loanApplications12M": 38
}
},
{
"title": "二、风险汇总",
"subtitle": "重点风险",
"data": [
{
"name": "司法案件",
"level": "高风险",
"summary": "失信被执行人已返回1条，限制高消费未返回。"
},
{
"name": "身份与手机",
"level": "低风险",
"summary": "三要素核验一致，手机号在网状态在网。"
}
]
},
{
"title": "三、用户、手机与司法风险",
"subtitle": "基础画像",
"data": {
"userInfo": {
"name": "张**",
"idCard": "3301**********1234",
"carrierType": "移动",
"verifyResult": "一致",
"onlineCarrier": "移动"
},
"mobileInfo": {
"orderNo": "580055785669791744",
"carrier": "移动",
"status": "在网",
"desc": "正常"
}
}
},
{
"title": "四、借贷意向",
"subtitle": "业务矩阵",
"data": {
"summary": {
"idApplications12M": "37",
"mobileApplications12M": "38",
"idOrganizations12M": "6",
"mobileOrganizations12M": "6"
},
"monthlyStats": {
"idAvgMonthNum": "3.36",
"mobileAvgMonthNum": "3.45",
"idMaxMonthNum": "7",
"mobileMaxMonthNum": "7"
}
}
},
{
"title": "五、名单与逾期",
"subtitle": "完整风险矩阵",
"data": {
"overdueRiskLevel": "4",
"financialBlacklist": {
"blackList": "命中",
"tags": {
"black_tag11": "命中",
"black_tag12": "命中"
}
}
}
},
{
"title": "六、身份与手机号核验",
"subtitle": "基础信息",
"data": {
"carrierTriple": {
"carrierType": "移动",
"verifyStatus": "一致"
},
"mobileArea": {
"areaCode": "0571",
"cityCode": "330100",
"carrier": "移动",
"province": "浙江省",
"city": "杭州",
"segment": "1885813"
}
}
},
{
"title": "七、信用评分与金融黑名单",
"subtitle": "名单核验",
"data": {
"creditScore": {
"score": "594",
"range": "300-1000，分数越高违约概率越低"
},
"financialBlacklist": {
"blackList": "命中"
}
}
},
{
"title": "八、特殊名单",
"subtitle": "策略与名单命中",
"data": {
"rule": {
"finalWeight": "80",
"finalDecision": "Reject"
},
"listSummary": {
"courtExecuted": "未命中",
"courtExecutedAllNum": "1",
"courtExecutedTime": "2"
}
}
},
{
"title": "九、司法涉诉",
"subtitle": "案件与被执行人",
"data": {
"summary": {
"casesTree": "已返回3项",
"dishonest": "已返回1条",
"highConsume": "未返回",
"crc": "**********"
}
}
}
],
"sourceData": {
"carrierTriple": {
"type": "2",
"status": "0"
},
"mobileArea": {
"orderNo": "8zjn7mhds5nskayc1n",
"areaCode": "0571",
"cityCode": "330100",
"name": "移动",
"prov": "浙江省",
"city": "杭州",
"num": "1885813"
},
"onlineStatus": {
"order_no": "580055785669791744",
"channel": "移动",
"status": "1",
"desc": "正常"
},
"creditScore": {
"scoreywbase": 594
},
"loanIntent": {
"ae_m12_id_allnum": "37",
"ae_m12_cell_allnum": "38",
"ae_m12_id_orgnum": "6",
"ae_m12_cell_orgnum": "6"
},
"financialBlacklist": {
"black_list": "1",
"black_tag11": "1",
"black_tag12": "1"
},
"overdueBlacklist": {
"RiskLevel": 4,
"s04_t30_e21x": 10,
"s04_t90_e21x": 45,
"s04_t180_e21x": 54
},
"specialList": {
"Rule": {
"result": {
"final_decision": "Reject",
"final_weight": "80"
}
}
},
"judicialLitigation": {
"ss": {
"crc": "**********",
"count": {
"count_total": "3",
"money_total": "64",
"money_wei_percent": "0.4708"
}
},
"sxbzxr": [
{
"ah": "（2021）京0113执****号",
"zxfy": "北京市顺义区人民法院",
"pjje_gj": "40000"
}
],
"xgbzxr": []
}
},
"reportId": "90b30e2e1731fb5f",
"reportTime": "2026-08-03 16:35:20",
"reportUrl": "https://api.tianyuanapi.com/reports/dwbg/90b30e2e1731fb5f"
}
}
```
