2.1.2 融资申请创建

描述

支持个人、企业融资申请创建。融资申请创建成功后，需要保存响应参数中的“申请ID”，作为后续交易的请求参数。

当借款人已存在一笔新建或审批中的申请时，再次创建新申请会不允许创建（以证件号和证件类型作为条件）。

API代码

loan_app:app:create

请求参数

借款人为个人时，需要提供：

1. 个人借款人信息
    - 基本信息
    - 职业信息（非个体工商户/私营业主）
    - 经营信息（个体工商户/私营业主）
2. 资金需求信息
3. 担保信息（可录入多个，但至少有一个，无实物担保的情况需要填写信用或保证担保）

（个人借款人的联系人信息通过借款人配偶信息和借款人亲朋信息接口提交）

借款人为企业时，需要提供：

1. 企业借款人信息
2. 联系人信息（可录入多个，但至少有一个）
3. 资金需求信息
4. 担保信息（可录入多个，但至少有一个，无实物担保的情况需要填写信用或保证担保）

具体定义如下：

企业借款人信息

经营许可证信息

经营许可证信息由三部分组成：经营许可证编号、经营许可证类型、经营许可证到期日

个人借款人信息

个人借款人信息由三部分组成：

基本信息

职业信息

“是否为个体工商户/私营业主”为 "否" 时必须输入：

经营信息

“是否为个体工商户/私营业主”为“是”时必须输入：

联系人信息（企业专用）

资金需求信息

担保信息

• 信用担保品示例

  {
    "col": [
        {
            "collOwner": "张三",//一般为借款人姓名
            "collValue": "30000000", //与申请额度相等
            "isDeposit": "N",//固定值
            "mtCollCatCd": "OA01",//信用担保品时，固定值
            "mtCollCd": "XY0101001",//信用担保品时，固定值
            "mtCollStyleCd": "XY",//信用担保品时，固定值
            "mtCollTypCd": "OA"//信用担保品时，固定值
        }
    ]
  }
  

响应参数

错误码

示例

请求示例（企业）

{
    "col": [
        {
            "collOwner": "所有人", 
            "collValue": "111111",
            "mtCollStyleCd": "ZY", 
            "mtCollTypCd": "DP",
            "mtCollCatCd": "DP01",
            "mtCollCd": "ZY0101001"
        }
    ], 
    "contacts": [
        {
            "email": "1233@qq.com", 
            "mobileNo": "13333333333", 
            "mtCifContactCd": "F001", 
            "mtPosHeldCd": "001", 
            "nm": "联系人"
        }
    ], 
    "cp_cust": {
        "assetAmt": 55, 
        "authCapital": 5456, 
        "bizAddr": "北京", 
        "bizLandArea": 4576, 
        "bizRegNo": "58da894a6fc84fb", 
        "brandNm": "213123412", 
        "coreBiz": "手机", 
        "custId": "2f50c12b0d064157bf", 
        "dtRegistered": "2017-05-03 15:12:24", 
        "dtStart": "2017-05-03 15:12:24", 
        "electricityDosage": 879, 
        "employeeCnt": 12333445, 
        "equityLine": 879, 
        "idNo": "a2ebc531112b4fa08d", 
        "incomeTaxNo": "ds13wqe5", 
        "isComb": "Y", 
        "isFreeTradeArea": "Y", 
        "mtBizLandOwnerCd": "2", 
        "mtCifCatCd": "112", 
        "mtCityCd": "110100", 
        "mtCorpSalutationCd": "2", 
        "mtFinInsttnCd": "02", 
        "mtIndDetailCd": "a0111", 
        "mtListedCd": "Y", 
        "mtSalaryTypCd": "3", 
        "nationalTaxNo": "1332", 
        "nm": "企业", 
        "noOfBizSite": 333, 
        "paidUpCapital": 676, 
        "principalNo": "53453", 
        "ratal": 3, 
        "registeredAddr": "北京", 
        "salaryTotal": 879, 
        "saleAmt": 33, 
        "socialSecurity": 879, 
        "waterDosage": 879, 
        "website": "baidu.com",
        "portrait": "{\"企业实力\":\"世界500强\"}",
        "bizCertificateList":[
            {
                "dtExpiry":"2017-05-16 7:18:12",
                "no":"b4812a23a4c14d0ea659",
                "mtBizCertificateTypCd":"00"
            }
        ]
    }, 
    "fac": {
        "dtMaturity": "2017-05-03 15:12:24", 
        "intRate": 123, 
        "isRevolvingAllowed": "Y", 
        "lmtAppr": 123, 
        "mtFacCd": "P1011", 
        "mtFacPurCds": [
            "1001", 
            "1002"
        ], 
        "mtRepymtTypCd": "001", 
        "mtTimeCd": "D", 
        "tenureAppr": "12"
    }
}

请求示例（个人）

个人非私营业主

{
    "col": [
        {
            "collOwner": "所有人", 
            "collValue": "111111",
            "mtCollStyleCd": "ZY", 
            "mtCollTypCd": "DP",
            "mtCollCatCd": "DP01",
            "mtCollCd": "ZY0101001"
        }
    ],
    "cs_cust": {
        "base": {
            "bankCard": 1234556565, 
            "creditCardLines": 12345, 
            "custId": "77f392388c2e410684", 
            "dtExpiry": "2017-05-03 15:12:27", 
            "dtIssue": "2017-05-03 15:12:27", 
            "email": "123@qq.com", 
            "idNo": "1867fc918fdc4e349e", 
            "isBizEntity": "N", 
            "isFamily": "Y", 
            "loanFixedYear": 11, 
            "mobileNo": "18888888888", 
            "yearIncAmt": 100000, 
            "mtCityCd": "110100", 
            "mtEduLvlCd": "01", 
            "mtGenderCd": "M", 
            "mtIndvMobileUsageStsCd": "01", 
            "mtJobSectorCd": "10000", 
            "mtMaritalStsCd": "02", 
            "mtResidenceStsCd": "01", 
            "nm": "个人非私营", 
            "qq": 12345, 
            "weChat": "1234",
            "portrait": "{\"芝麻信用分\":\"750\"}"
        }, 
        "employ": {
            "dtWorkInCurrIndustry": "2017-05-03 15:12:27", 
            "employerNm": "单位姓名", 
            "mtPosHeldCd": "001", 
            "prevServiceMth": 1, 
            "prevServiceYr": 2
        }
    }, 
    "fac": {
        "dtMaturity": "2017-05-03 15:12:27", 
        "intRate": 123, 
        "isRevolvingAllowed": "Y", 
        "lmtAppr": 123, 
        "mtFacCd": "P1011", 
        "mtFacPurCds": [
            "1001", 
            "1002"
        ], 
        "mtRepymtTypCd": "001", 
        "mtTimeCd": "D", 
        "tenureAppr": "12"
    }
}

个人私营业主

{
    "col": [
        {
            "collOwner": "所有人", 
            "collValue": "111111",
            "mtCollStyleCd": "ZY", 
            "mtCollTypCd": "DP",
            "mtCollCatCd": "DP01",
            "mtCollCd": "ZY0101001"
        }
    ],
    "cs_cust": {
        "base": {
            "bankCard": 1234556565, 
            "creditCardLines": 12345, 
            "custId": "0bbe35b8858345d19a", 
            "dtExpiry": "2017-05-03 15:12:25", 
            "dtIssue": "2017-05-03 15:12:25", 
            "email": "123@qq.com", 
            "idNo": "5cb86df87c874f9585", 
            "isBizEntity": "Y", 
            "isFamily": "Y", 
            "loanFixedYear": 11, 
            "mobileNo": "18888888888", 
            "yearIncAmt": 100000, 
            "mtCityCd": "110100", 
            "mtEduLvlCd": "01", 
            "mtGenderCd": "M", 
            "mtIndvMobileUsageStsCd": "01", 
            "mtJobSectorCd": "10000", 
            "mtMaritalStsCd": "02", 
            "mtResidenceStsCd": "01", 
            "nm": "个人私营", 
            "qq": 12345, 
            "weChat": "1234",
            "portrait": "{\"芝麻信用分\":\"750\"}"
        }, 
        "business": {
            "bizAddr": "北京", 
            "bizArea": "电子商务", 
            "bizRegNo": "d67402dae31b481", 
            "currentTotal": 123, 
            "electricityDosage": 123, 
            "employees": "22", 
            "equityLine": 123, 
            "isLegalRep": "Y", 
            "mtIndDetailCd": "a0111", 
            "mtJobSectorCd": "10000", 
            "ratal": 123, 
            "salaryTotal": 123, 
            "socialSecurity": 123, 
            "waterDosage": 123
        }
    }, 
    "fac": {
        "dtMaturity": "2017-05-03 15:12:25", 
        "intRate": 123, 
        "isRevolvingAllowed": "Y", 
        "lmtAppr": 123, 
        "mtFacCd": "P1011", 
        "mtFacPurCds": [
            "1001", 
            "1002"
        ], 
        "mtRepymtTypCd": "001", 
        "mtTimeCd": "D", 
        "tenureAppr": "12"
    }
}

返回示例（正常）

{
    "appId":"0092728480d24f5d87bf63639b5cfe1c"
}

返回示例（异常）

{
  "error": "500",
  "message": "没有获取到用户身份信息",
  "timestamp": "2016-12-29 15:10:32"
}