# DWBG4R7K 个人大数据综合报告 - 响应示例
## 成功响应
```json
{
"label": "贷前风控 · 个人大数据",
"title": "个人大数据综合报告",
"reportNo": "RPT-DWBG4R7K-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": "借贷意向",
"level": "高风险",
"summary": "近12个月身份证维度申请37次，手机号维度申请38次。"
},
{
"name": "逾期勘测",
"level": "高风险",
"summary": "综合风险等级4，近180天机构类型风险等级45。"
},
{
"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。"
},
{
"name": "特殊名单",
"level": "高风险",
"summary": "最终决策Reject，最终权重80。"
}
]
},
{
"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"
},
"judicialRisk": {
"casesTree": "已返回3项",
"dishonest": "已返回1条",
"highConsume": "未返回",
"changeCodeCRC": "**********"
}
}
},
{
"title": "四、借贷意向",
"subtitle": "业务矩阵",
"data": {
"summary": {
"idApplications12M": "37",
"mobileApplications12M": "38",
"idOrganizations12M": "6",
"mobileOrganizations12M": "6"
},
"periodMatrix": [
{
"period": "d3",
"idAllNum": "1",
"cellAllNum": "1",
"idOrgNum": "1",
"cellOrgNum": "1",
"riskLevel": "低风险",
"displayValue": "1/1"
},
{
"period": "d7",
"idAllNum": "2",
"cellAllNum": "2",
"idOrgNum": "1",
"cellOrgNum": "1",
"riskLevel": "低风险",
"displayValue": "2/2"
},
{
"period": "m12",
"idAllNum": "37",
"cellAllNum": "38",
"idOrgNum": "6",
"cellOrgNum": "6",
"riskLevel": "高风险",
"displayValue": "37/38"
}
],
"categoryMatrix": [
{
"name": "银行汇总",
"applyCount": "1/1",
"orgCount": "1/1"
},
{
"name": "非银汇总",
"applyCount": "36/37",
"orgCount": "5/5"
},
{
"name": "消费金融",
"applyCount": "8/8",
"orgCount": "2/2"
},
{
"name": "小额现金贷机构",
"applyCount": "22/22",
"orgCount": "2/2"
}
],
"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_tag04": "未命中",
"black_tag05": "未命中",
"black_tag11": "命中",
"black_tag12": "命中"
}
},
"matrix": [
{
"name": "近30天逾期风险",
"total": "10",
"level": "2"
},
{
"name": "近90天逾期风险",
"total": "45",
"level": "3"
},
{
"name": "近180天逾期风险",
"total": "54",
"level": "4"
}
]
}
},
{
"title": "六、身份与手机号核验",
"subtitle": "基础信息",
"data": {
"carrierTriple": {
"carrierType": "移动",
"verifyStatus": "一致"
},
"mobileArea": {
"orderNo": "8zjn7mhds5nskayc1n",
"areaCode": "0571",
"cityCode": "330100",
"carrier": "移动",
"province": "浙江省",
"city": "杭州",
"segment": "1885813"
},
"onlineStatus": {
"orderNo": "580055785669791744",
"carrier": "移动",
"status": "在网",
"desc": "正常"
}
}
},
{
"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",
"tags": {
"black_tag04": "未命中",
"black_tag11": "命中",
"black_tag12": "命中"
}
}
}
},
{
"title": "八、特殊名单",
"subtitle": "策略与名单命中",
"data": {
"strategy": {
"finalDecision": "-",
"platform": "-",
"scene": "-",
"productName": "-",
"productType": "-"
},
"rule": {
"finalWeight": "80",
"finalDecision": "Reject",
"hitRules": {
"rulespeciallist_c": {
"odr0000333": {
"name_rule": "近两年命中法院被执行人",
"weight": "80"
},
"odr0000343": {
"name_rule": "近两年命中非银中风险",
"weight": "80"
}
}
}
},
"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": "**********"
},
"details": {
"ss": {
"crc": "**********",
"cases_tree": {
"civil": [
{
"case_type": 300,
"c_ah": "（2021）京0113刑初****号",
"n_ajbs": "一审",
"stage_type": 1
}
]
},
"count": {
"count_total": "3",
"count_jie_total": "2",
"count_wei_total": "1",
"count_yuangao": "1",
"count_beigao": "2",
"count_other": "0",
"money_total": "64",
"money_jie_total": "59",
"money_wei_total": "58",
"money_wei_percent": "0.4708",
"money_yuangao": "3",
"money_beigao": "64",
"ay_stat": "合同纠纷(1),侵权责任纠纷(1)",
"larq_stat": "2019(1),2021(2)",
"area_stat": "北京市(1),广西壮族自治区(1)",
"jafs_stat": "判决(1),调解(1)"
},
"civil": {
"count": {
"count_total": "1",
"count_jie_total": "1",
"money_total": "57",
"money_jie_total": "57",
"money_wei_percent": "0"
},
"cases": [
{
"c_ah": "（2019）桂0103民初5129号",
"n_jbfy": "南宁市青秀区人民法院",
"c_ssdy": "广西壮族自治区",
"n_laay": "合同纠纷",
"n_ajjzjd": "已结案",
"n_slcx": "一审",
"d_larq": "2019-04-02",
"d_jarq": "2020-06-29",
"n_ssdw": "被告",
"n_qsbdje": "137930",
"n_qsbdje_level": "11",
"n_jabdje": "23908",
"n_jabdje_level": "3",
"c_gkws_pjjg": "判决结果摘要",
"c_dsrxx": [
{
"c_mc": "张**",
"n_dsrlx": "自然人",
"n_ssdw": "被告"
},
{
"c_mc": "某物业服务有限公司",
"n_dsrlx": "企业组织",
"n_ssdw": "原告"
}
]
}
]
},
"criminal": {
"count": {},
"cases": []
},
"administrative": {
"count": {},
"cases": []
},
"implement": {
"count": {
"count_total": "1",
"count_wei_total": "1",
"money_total": "60",
"money_wei_total": "58"
},
"cases": [
{
"c_ah": "（2021）京0113执****号",
"n_jbfy": "北京市顺义区人民法院",
"n_ajjzjd": "未结案",
"d_larq": "2021-09-16",
"n_ssdw": "被执行人",
"n_sqzxbdje": "40000",
"n_sjdwje": "0",
"n_wzxje": "40000",
"c_dsrxx": [
{
"c_mc": "张**",
"n_dsrlx": "自然人",
"n_ssdw": "被执行人"
}
]
}
]
},
"preservation": {
"count": {},
"cases": []
},
"bankrupt": {
"count": {},
"cases": []
}
},
"sxbzxr": [
{
"ah": "（2021）京0113执****号",
"zxfy": "北京市顺义区人民法院",
"sf": "北京市",
"larq": "2021-09-16",
"fbrq": "2021-12-01",
"pjje_gj": "40000",
"zxyjwh": "（2021）京0113民初****号",
"zxyjdw": "北京市顺义区人民法院",
"yw": "生效法律文书确定义务摘要",
"lxqk": "全部未履行",
"xwqx": "有履行能力而拒不履行生效法律文书确定义务"
}
],
"xgbzxr": []
}
}
}
],
"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",
"ae_m12_cell_nbank_allnum": "37",
"ae_m12_cell_max_monnum": "7"
},
"financialBlacklist": {
"black_list": "1",
"black_tag04": "0",
"black_tag11": "1",
"black_tag12": "1"
},
"overdueBlacklist": {
"RiskLevel": 4,
"s04_t30_e21x": 10,
"s04_t30_e21x_og1": 0,
"s04_t30_e21x_og2": 0,
"s04_t30_e21x_og3": 2,
"s04_t30_e21x_og4": 8,
"s04_t30_e21x_og5": 0,
"s04_t30_e21x_og6": 0,
"s04_t30_e21x_og7": 0,
"s04_t30_e21x_og8": 0,
"s04_t90_e21x": 45,
"s04_t90_e21x_og1": 0,
"s04_t90_e21x_og2": 0,
"s04_t90_e21x_og3": 2,
"s04_t90_e21x_og4": 42,
"s04_t90_e21x_og5": 0,
"s04_t90_e21x_og6": 1,
"s04_t90_e21x_og7": 0,
"s04_t90_e21x_og8": 0,
"s04_t180_e21x": 54,
"s04_t180_e21x_og1": 0,
"s04_t180_e21x_og2": 2,
"s04_t180_e21x_og3": 6,
"s04_t180_e21x_og4": 45,
"s04_t180_e21x_og5": 0,
"s04_t180_e21x_og6": 1,
"s04_t180_e21x_og7": 0,
"s04_t180_e21x_og8": 0,
"s05_t30_e21x": 2,
"s05_t90_e21x": 3,
"s05_t180_e21x": 4
},
"specialList": {
"Rule": {
"result": {
"final_decision": "Reject",
"final_weight": "80"
},
"hit_rules": {
"rulespeciallist_c": {
"odr0000333": {
"name_rule": "近两年命中法院被执行人",
"weight": "80"
}
}
}
},
"SpecialList_c": {
"id": {
"court_executed": "0",
"court_executed_allnum": "1",
"court_executed_time": "2",
"nbank_bad": "0",
"nbank_bad_allnum": "1",
"nbank_bad_time": "2"
},
"cell": {
"nbank_bad": "0",
"nbank_bad_allnum": "1",
"nbank_bad_time": "2"
}
}
},
"judicialLitigation": {
"ss": {
"crc": "**********",
"count": {
"count_total": "3",
"money_total": "64",
"money_wei_percent": "0.4708"
},
"civil": {
"count": {
"count_total": "1"
},
"cases": [
{
"c_ah": "（2019）桂0103民初5129号",
"n_jbfy": "南宁市青秀区人民法院",
"n_qsbdje": "137930",
"n_qsbdje_level": "11",
"c_dsrxx": [
{
"c_mc": "张**",
"n_dsrlx": "自然人",
"n_ssdw": "被告"
}
]
}
]
}
},
"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"
}
```
## 说明
- `reportNo`、`generatedAt`、`reportTime`、`reportId`、`reportUrl` 为接口调用时动态生成。
- `reportUrl` 为完整 HTML 报告访问地址，前端可直接跳转打开。
- `sections` 是报告章节结构，供页面摘要或二次渲染使用。
- `sourceData` 完整保留 9 个子接口原始业务数据；示例只展示代表性字段，实际返回以各子接口真实响应为准。
- 若某个子接口失败，整体报告仍返回；对应字段会显示 `-`、`未返回`、空对象、空数组或 `null`。
