## 响应示例
### 成功响应
```json
{
"data": {
{
"reportUrl": "https://api.tianyuanapi.com/reports/dwbg8b4d/example ",
"reportId": "d8_example_20260818_001",
"baseInfo": {
"age": 36,
"channel": "中国移动",
"idCard": "1101********1234",
"location": "北京市朝阳区",
"name": "张三",
"phone": "138****8000",
"phoneArea": "北京-北京",
"sex": "男",
"status": 1
},
"checkSuggest": "建议复议",
"creditScore": 782,
"elementVerificationDetail": {
"antiFraudInfo": {
"deceiver": "0",
"gamblerBanker": "B",
"gamblerPlayer": "0",
"moneyLaundering": "0"
},
"belongRiskFlag": 2,
"belongRisks": {
"num": "1",
"personCity": "北京市",
"personProvence": "北京市",
"phoneCardType": "中国移动",
"phoneCity": "北京",
"phoneProvence": "北京"
},
"highRiskFlag": 0,
"keyPersonCheckList": {
"fangAiFlag": 0,
"fontFlag": 0,
"jingJiFontFlag": 0,
"num": "1",
"sheJiaoTongFlag": 0,
"zhongDianFlag": 0
},
"onlineRiskFlag": 2,
"onlineRiskList": {
"lineType": "移动",
"num": "1",
"onLineTimes": "24,+(个月)"
},
"personCheckDetails": {
"ele": "身份证号、姓名",
"num": "1",
"result": "一致"
},
"phoneCheckDetails": {
"ele": "身份证号、手机号、姓名",
"num": "1",
"phoneCompany": "中国移动",
"result": "一致"
},
"phoneVailRiskFlag": 2,
"phoneVailRisks": {
"num": "1",
"phoneCompany": "移动",
"phoneStatus": "实号",
"phoneTimes": "24(单位:月)"
},
"sfzeysFlag": 2,
"sjsysFlag": 2
},
"fraudRule": "中风险",
"fraudScore": 72,
"leasingRiskAssessment": {
"riskFlag": 2,
"threeCInstitutionApplicationCountLast12Months": "1/1",
"threeCInstitutionApplicationCountLast12MonthsNight": "0/0",
"threeCInstitutionApplicationCountLast12MonthsWeekend": "0/0",
"threeCInstitutionApplicationCountLast14Days": "0/0",
"threeCInstitutionApplicationCountLast14DaysNight": "0/0",
"threeCInstitutionApplicationCountLast14DaysWeekend": "0/0",
"threeCInstitutionApplicationCountLast3Days": "0/0",
"threeCInstitutionApplicationCountLast3DaysNight": "0/0",
"threeCInstitutionApplicationCountLast3DaysWeekend": "0/0",
"threeCInstitutionApplicationCountLast3Months": "1/1",
"threeCInstitutionApplicationCountLast3MonthsNight": "0/0",
"threeCInstitutionApplicationCountLast3MonthsWeekend": "0/0",
"threeCInstitutionApplicationCountLast6Months": "1/1",
"threeCInstitutionApplicationCountLast6MonthsNight": "0/0",
"threeCInstitutionApplicationCountLast6MonthsWeekend": "0/0",
"threeCInstitutionApplicationCountLast7Days": "0/0",
"threeCInstitutionApplicationCountLast7DaysNight": "0/0",
"threeCInstitutionApplicationCountLast7DaysWeekend": "0/0",
"threeCInstitutionApplicationCountLastMonth": "0/0",
"threeCInstitutionApplicationCountLastMonthNight": "0/0",
"threeCInstitutionApplicationCountLastMonthWeekend": "0/0",
"threeCPlatformApplicationCountLast12Months": "1/1",
"threeCPlatformApplicationCountLast12MonthsNight": "0/0",
"threeCPlatformApplicationCountLast12MonthsWeekend": "0/0",
"threeCPlatformApplicationCountLast14Days": "0/0",
"threeCPlatformApplicationCountLast14DaysNight": "0/0",
"threeCPlatformApplicationCountLast14DaysWeekend": "0/0",
"threeCPlatformApplicationCountLast3Days": "0/0",
"threeCPlatformApplicationCountLast3DaysNight": "0/0",
"threeCPlatformApplicationCountLast3DaysWeekend": "0/0",
"threeCPlatformApplicationCountLast3Months": "1/1",
"threeCPlatformApplicationCountLast3MonthsNight": "0/0",
"threeCPlatformApplicationCountLast3MonthsWeekend": "0/0",
"threeCPlatformApplicationCountLast6Months": "1/1",
"threeCPlatformApplicationCountLast6MonthsNight": "0/0",
"threeCPlatformApplicationCountLast6MonthsWeekend": "0/0",
"threeCPlatformApplicationCountLast7Days": "0/0",
"threeCPlatformApplicationCountLast7DaysNight": "0/0",
"threeCPlatformApplicationCountLast7DaysWeekend": "0/0",
"threeCPlatformApplicationCountLastMonth": "0/0",
"threeCPlatformApplicationCountLastMonthNight": "0/0",
"threeCPlatformApplicationCountLastMonthWeekend": "0/0"
},
"loanEvaluationVerificationDetail": {
"businessLoanPerformances": [
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "信用卡(类信用卡)"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "线上小额现金贷"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "汽车金融"
},
{
"last12Month": "3/3",
"last12MonthCount": "3/3",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "3/3",
"last3MonthCount": "3/3",
"last6Month": "3/3",
"last6MonthCount": "3/3",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "线上消费分期"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "线下消费分期"
},
{
"last12Month": "2/2",
"last12MonthCount": "2/2",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "2/2",
"last3MonthCount": "2/2",
"last6Month": "2/2",
"last6MonthCount": "2/2",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "其他"
}
],
"customerLoanPerformances": [
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "银行汇总"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "传统银行"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "网络零售银行"
},
{
"last12Month": "3/3",
"last12MonthCount": "4/4",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "1/1",
"last1MonthCount": "1/1",
"last3Month": "3/3",
"last3MonthCount": "4/4",
"last6Month": "3/3",
"last6MonthCount": "4/4",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "非银汇总"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "持牌网络小贷"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "持牌消费金融"
},
{
"last12Month": "1/1",
"last12MonthCount": "2/2",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "1/1",
"last1MonthCount": "1/1",
"last3Month": "1/1",
"last3MonthCount": "2/2",
"last6Month": "1/1",
"last6MonthCount": "2/2",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "持牌融资租赁机构"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "持牌汽车金融"
},
{
"last12Month": "2/2",
"last12MonthCount": "2/2",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "2/2",
"last3MonthCount": "2/2",
"last6Month": "2/2",
"last6MonthCount": "2/2",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "其他"
}
],
"organLoanPerformances": [
{
"applyCount": "银行",
"last12Month": "0/0",
"last15Day": "0/0",
"last1Month": "0/0",
"last3Month": "0/0",
"last6Month": "0/0",
"last7Day": "0/0"
},
{
"applyCount": "非银",
"last12Month": "4/4",
"last15Day": "0/0",
"last1Month": "1/1",
"last3Month": "4/4",
"last6Month": "4/4",
"last7Day": "0/0"
}
],
"riskFlag": 2,
"timeLoanPerformances": [
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "夜间-银行"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "夜间-非银"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "周末-银行"
},
{
"last12Month": "0/0",
"last12MonthCount": "0/0",
"last15Day": "0/0",
"last15DayCount": "0/0",
"last1Month": "0/0",
"last1MonthCount": "0/0",
"last3Month": "0/0",
"last3MonthCount": "0/0",
"last6Month": "0/0",
"last6MonthCount": "0/0",
"last7Day": "0/0",
"last7DayCount": "0/0",
"type": "周末-非银"
}
]
},
"multCourtInfo": {
"disinCases": [],
"disinCasesFlag": 2,
"executionCases": [
{
"caseNumber": "（2024）京0105执示例128号",
"caseType": "执行案件",
"caseStatus": "执行完毕",
"court": "北京市朝阳区人民法院",
"litigantType": "被执行人",
"filingTime": "2024-03-12",
"disposalTime": "2024-04-08",
"executionAmount": "6800元",
"repaidAmount": "6800元",
"caseReason": "服务合同纠纷",
"disposalMethod": "履行完毕",
"judgmentResult": "已按生效法律文书履行完毕（虚构示例）"
}
],
"executionCasesFlag": 1,
"legalCases": [
{
"caseNumber": "（2023）京0105民初示例356号",
"caseType": "民事案件",
"caseStatus": "已结案",
"court": "北京市朝阳区人民法院",
"litigantType": "原告",
"filingTime": "2023-08-16",
"disposalTime": "2023-10-20",
"caseReason": "合同纠纷",
"disposalMethod": "调解结案",
"judgmentResult": "双方达成调解协议并履行完毕（虚构示例）"
}
],
"legalCasesFlag": 1,
"limitCases": [],
"limitCasesFlag": 2
},
"overdueRiskProduct": {
"currentOverdueAmount": "1200",
"currentOverdueInstitutionCount": "1",
"daysSinceLastSuccessfulRepayment": "18",
"dkzhktjFlag": 1,
"hasUnsettledOverdue": "存在未结清逾期",
"lyjlhyFlag": 1,
"overdueLast14Days": "存在逾期",
"overdueLast1Day": "存在逾期",
"overdueLast30Days": "存在逾期",
"overdueLast7Days": "存在逾期",
"repaymentFailureAmountLast14Days": "(0,2000)",
"repaymentFailureAmountLast3Months": "(0,10000)",
"repaymentFailureAmountLast6Months": "(0,12000)",
"repaymentFailureAmountLast7Days": "(0,1000)",
"repaymentFailureAmountLastMonth": "(0,6000)",
"repaymentFailureCountLast14Days": "[3,5)",
"repaymentFailureCountLast3Months": "(0,6)",
"repaymentFailureCountLast6Months": "[3,25)",
"repaymentFailureCountLast7Days": "(0,5)",
"repaymentFailureCountLastMonth": "[3,5)",
"repaymentSuccessAmountLast14Days": "[2000,5000)",
"repaymentSuccessAmountLast3Months": "[8000,15000)",
"repaymentSuccessAmountLast6Months": "[15000,30000)",
"repaymentSuccessAmountLast7Days": "[1000,3000)",
"repaymentSuccessAmountLastMonth": "[5000,10000)",
"repaymentSuccessCountLast14Days": "[3,6)",
"repaymentSuccessCountLast3Months": "[6,12)",
"repaymentSuccessCountLast6Months": "[12,25)",
"repaymentSuccessCountLast7Days": "[1,4)",
"repaymentSuccessCountLastMonth": "[4,8)",
"settledInstitutionCount": "3",
"specialListVerification": [
{
"mz": "历史还款关注名单",
"jg": "需关注（虚构示例）"
}
],
"totalLoanInstitutions": "4",
"totalLoanRepaymentAmount": "[15000,30000)",
"tsmdyzFlag": 2
},
"riskSupervision": {
"details": "同一身份证关联 2 个历史手机号，同一手机号关联 1 个身份主体；均为虚构示例数据，建议结合其他模块综合判断。",
"leastApplicationTime": "2026-07-18 14:30:00",
"rentalRiskListIdCardRelationsPhones": 2,
"rentalRiskListPhoneRelationsIdCards": 1
},
"riskWarning": {
"frequentApplicationRecent": 0,
"frequentBankApplications": 0,
"frequentNonBankApplications": 0,
"frequentRentalApplications": 1,
"gazdyrhyRiskCounts": 0,
"gazdyrhyRiskHighCounts": 0,
"gazdyrhyRiskMiddleCounts": 0,
"hasCriminalRecord": 0,
"highDebtPressure": 0,
"highFraudGangLevel": 1,
"hitAdministrativeCase": 0,
"hitBankruptcyAndLiquidation": 0,
"hitCivilCase": 1,
"hitCompensationCase": 0,
"hitCriminalRisk": 0,
"hitCurrentOverdue": 1,
"hitDirectlyUnderCase": 0,
"hitExecutionCase": 1,
"hitHighRiskBankLastTwoYears": 0,
"hitHighRiskNonBankLastTwoYears": 0,
"hitPreservationReview": 0,
"idCardPhoneProvinceMismatch": 0,
"idCardRiskCounts": 0,
"idCardRiskHighCounts": 0,
"idCardRiskMiddleCounts": 0,
"idCardTwoElementMismatch": 0,
"isAntiFraudInfo": 0,
"isDisrupSocial": 0,
"isEconomyFront": 0,
"isKeyPerson": 0,
"isTrafficRelated": 0,
"jdpgRiskCounts": 2,
"jdpgRiskHighCounts": 0,
"jdpgRiskMiddleCounts": 2,
"level": "中风险",
"moreFrequentBankApplications": 0,
"moreFrequentNonBankApplications": 1,
"noPhoneDuration": 0,
"phoneThreeElementMismatch": 0,
"sfhyfxRiskCounts": 2,
"sfhyfxRiskHighCounts": 2,
"sfhyfxRiskMiddleCounts": 0,
"shortPhoneDuration": 0,
"shortPhoneDurationSlight": 0,
"shortPhoneRiskCounts": 0,
"shortPhoneRiskHighCounts": 0,
"shortPhoneRiskMiddleCounts": 0,
"totalRiskCounts": 6,
"veryFrequentRentalApplications": 0,
"yqfxRiskCounts": 1,
"yqfxRiskHighCounts": 1,
"yqfxRiskMiddleCounts": 0,
"zlfxpgRiskCounts": 1,
"zlfxpgRiskHighCounts": 1,
"zlfxpgRiskMiddleCounts": 0
},
"standLiveInfo": {
"finalAuthResult": "0",
"inTime": "24",
"verification": "0"
},
"verifyRule": "低风险"
}
}
}
```
