引言
在当前的商业环境中，企业风险评估已成为各类商业决策的重要依据。本文将从技术实践的角度，详细介绍企业风控API的集成应用，重点关注API的调用方式、数据结构以及风险维度的划分，帮助开发者快速构建企业风险画像系统。
关键词：企业风控API、风险画像、企业信用评估、供应链风控、商业尽调、企业征信、风险预警、企业风险报告、天远API
API概述
企业风控API是一套基于司法大数据的风险评估接口，通过标准化的HTTP协议提供企业风险数据查询服务。该API采用加密传输确保数据安全，提供结构化的风险评估结果，可应用于供应商管理、信贷决策、投资尽调等多个业务场景。
- API代码：ENTX0V4B
- API名称：企业风险画像（详版）
- 请求端点：https://api.tianyuanapi.com/api/v1/ENTX0V4B
API调用示例
Python SDK示例
python
class ApiClient:
def __init__(self, use_mock=None):
"""初始化API客户端"""
# 从配置获取API设置
self.base_url = 'https://api.tianyuanapi.com'
self.access_id = '您的ACCESS_ID' # 请替换为实际的ACCESS_ID
self.encryption_key = '您的加密密钥' # 请替换为实际的加密密钥
self.use_mock = False if use_mock is None else use_mock
self.timeout = 30
def call_api(self, api_code, params, query_id=None):
"""
调用API接口
Args:
api_code: API代码
params: 请求参数
query_id: 查询ID，用于记录日志
Returns:
解密后的响应数据
"""
try:
# 将参数转换为JSON字符串
params_json = json.dumps(params, ensure_ascii=False)
# 对请求参数进行加密
encrypted_data = self._encrypt_data(params_json)
# 构建请求头
headers = {
'Content-Type': 'application/json',
'Access-Id': self.access_id
}
# API请求地址
url = f"{self.base_url}/api/v1/{api_code}"
# 发送请求
response = requests.post(
url,
json={'data': encrypted_data},
headers=headers,
timeout=self.timeout
)
# 解析并返回响应数据
return self._handle_response(response)
except Exception as e:
return {
'success': False,
'code': -1,
'message': f"调用API异常: {str(e)}",
'data': None
}使用示例
python
# 初始化API客户端
client = ApiClient()
# 构建查询参数
params = {
"enterprise_name": "海南XXXX大数据科技有限公司",
"credit_code": "914501007123456R"
}
# 调用API
result = client.call_api('ENTX0V4B', params)响应数据结构
API返回的JSON数据结构示例（注：以下数据为脱敏后的示例数据，仅用于演示API的数据结构）：
json
{
"message": "企业信息查询成功",
"data": {
"查询编号": "ERQ00000000000001",
"查询企业": "海南天远大数据科技有限公司",
"统一社会信用代码": "914501007123456R",
"委托方": "海南省学宇思网络科技有限公司",
"查询时间": 1747283801,
"工商信息": {
"api_code": "QYGS001",
"接口名称": "工商信息查询",
"接口描述": "查询企业工商基础信息，包含基本信息、主要人员、对外投资等数据",
"状态": "成功",
"状态码": 1000,
"状态描述": "查询成功",
"数据": {
"BASIC": {
"ENTNAME": "海南XXXX大数据科技有限公司",
"CREDITCODE": "91460100MA001ABCDE",
"REGNO": "460100000XXXXXX",
"ORGCODES": "MA001ABCD-E",
"FRNAME": "张三",
"REGCAP": "1000.000000",
"REGCAPCUR": "人民币元",
"REGCAPCURCODE": "156",
"ESDATE": "2023-01-15",
"OPFROM": "2023-01-15",
"OPTO": "长期",
"ENTSTATUS": "在营（开业）企业",
"ENTSTATUSCODE": "11",
"ENTTYPE": "有限责任公司(自然人投资或控股)",
"ENTTYPECODE": "1130",
"DOM": "海南省海口市美兰区XX大道XX号科技园A座",
"REGORG": "海南省市场监督管理局",
"REGORGCODE": "460000",
"REGORGDISTRICT": "海南省海口市美兰区",
"REGORGCITY": "海南省海口市",
"REGORGPROVINCE": "海南省",
"APPRDATE": "2023-01-15",
"REVDATE": "2024-01-10",
"INDUSTRYCONAME": "软件和信息技术服务业",
"INDUSTRYCOCODE": "I65",
"ABUITEM": "大数据技术开发、技术咨询、技术服务、技术转让；人工智能应用软件开发；数据处理和存储支持服务；计算机软硬件及辅助设备批发；信息系统集成服务。（除许可业务外，可自主依法经营法律法规非禁止或限制的项目）",
"ZSOPSCOPE": "大数据技术开发、技术咨询、技术服务、技术转让；人工智能应用软件开发；数据处理和存储支持服务；计算机软硬件及辅助设备批发；信息系统集成服务。（除许可业务外，可自主依法经营法律法规非禁止或限制的项目）",
"POSTALCODE": "5702XX",
"ENTID": "abcdef1234567890abcdef1234567890",
"S_EXT_NODENUM": "460000",
"REGCITY": "460100",
"CANDATE": "",
"ANCHEYEAR": "2023",
"ENTNAME_OLD": ""
},
"SHAREHOLDER": [
{
"SHANAME": "张三",
"INVTYPE": "自然人股东",
"INVTYPECODE": "20",
"SUBCONAM": "700.000000",
"ACCONAM": "700.000000",
"FUNDEDRATIO": "70.00%",
"CONFORM": "货币",
"CONFORMCODE": "1",
"CURRENCYCODE": "156",
"REGCAPCUR": "人民币元",
"CONDATE": "2023-01-10",
"CREDITCODE": "",
"REGNO": ""
},
{
"SHANAME": "李四",
"INVTYPE": "自然人股东",
"INVTYPECODE": "20",
"SUBCONAM": "300.000000",
"ACCONAM": "300.000000",
"FUNDEDRATIO": "30.00%",
"CONFORM": "货币",
"CONFORMCODE": "1",
"CURRENCYCODE": "156",
"REGCAPCUR": "人民币元",
"CONDATE": "2023-01-10",
"CREDITCODE": "",
"REGNO": ""
}
],
"PERSON": [
{
"PERNAME": "张三",
"POSITION": "执行董事兼总经理",
"POSITIONCODE": "410C",
"ENTNAME": "海南XXXX大数据科技有限公司",
"PERSONAMOUNT": "2"
},
{
"PERNAME": "王五",
"POSITION": "监事",
"POSITIONCODE": "408A",
"ENTNAME": "海南XXXX大数据科技有限公司",
"PERSONAMOUNT": "2"
}
],
"ALTER": [
{
"ALTDATE": "2024-01-10",
"ALTITEM": "经营范围变更",
"ALTBE": "大数据技术开发、技术咨询；人工智能应用软件开发；数据处理和存储支持服务。（除许可业务外，可自主依法经营法律法规非禁止或限制的项目）",
"ALTAF": "大数据技术开发、技术咨询、技术服务、技术转让；人工智能应用软件开发；数据处理和存储支持服务；计算机软硬件及辅助设备批发；信息系统集成服务。（除许可业务外，可自主依法经营法律法规非禁止或限制的项目）"
},
{
"ALTDATE": "2023-08-15",
"ALTITEM": "住所变更",
"ALTBE": "海南省海口市龙华区YY大道YY号",
"ALTAF": "海南省海口市美兰区XX大道XX号科技园A座"
}
],
"FILIATION": [
{
"BRNAME": "海南XXXX大数据科技有限公司三亚分公司",
"BRREGNO": "460200111XXXXXX",
"BRN_CREDIT_CODE": "91460200MA002FGHIJ",
"BRN_REG_ORG": "三亚市市场监督管理局"
}
],
"ENTINV": [
{
"ENTJGNAME": "海南ABC创新科技有限公司",
"CREDITCODE": "91460100MB001KLMNO",
"REGNO": "460100111YYYYYY",
"ENTTYPE": "有限责任公司",
"REGCAP": "500.000000",
"REGCAPCUR": "人民币元",
"ENTSTATUS": "在营（开业）",
"REGORG": "海口市XXXXXX",
"REGORGCODE": "460100",
"ESDATE": "2023-11-01",
"SUBCONAM": "250.000000",
"CONGROCUR": "人民币元",
"FUNDEDRATIO": "50.00%",
"CONFORM": "货币",
"NAME": "赵六",
"BINVVAMOUNT": "1",
"CANDATE": "",
"REVDATE": ""
}
],
"YEARREPORTBASIC": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"ANCHEYEAR": "2023",
"ANCHEDATE": "2024-02-15",
"ENTNAME": "海南XXXX大数据科技有限公司",
"CREDITNO": "91460100MA001ABCDE",
"REGNO": "460100000XXXXXX",
"BUSST": "开业",
"EMAIL": "[email protected]",
"POSTALCODE": "5702XX",
"ADDR": "海南省海口市美兰区XX大道XX号科技园A座",
"TEL": "0898-8888XXXX",
"WOMEMPNUM": "15",
"MAINBUSIACT": "大数据技术开发、技术咨询、技术服务、技术转让",
"HOLDINGSMSG_CN": "自然人控股"
}
],
"YEARREPORTALTERSTOCK": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"INV": "陈七",
"TRANSAMPR": "10.00%",
"TRANSAMAFT": "0.00%",
"ALTDATE": "2023-06-30"
}
],
"YEARREPORTFORINV": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"ENTNAME": "海南ABC创新科技有限公司",
"CREDITNO": "91460100MB001KLMNO",
"REGNO": "460100111YYYYYY"
}
],
"YEARREPORTFORGUARANTEE": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"MORTGAGOR": "海南ZZZ供应链管理有限公司",
"MORE": "海口联合商业银行XX支行",
"PRICLASECKIND": "流动资金贷款",
"PRICLASECAM": "2000000.00",
"PEFPERFORM": "2023-03-01",
"PEFPERTO": "2024-02-29",
"GUARAPPERIOD": "主合同履行期届满之日起三年",
"GATYPE": "连带责任保证"
}
],
"YEARREPORTSUBCAPITAL": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"INV": "张三",
"LISUBCONAM": "700.000000",
"CONDATE": "2023-01-15",
"CONFORM": "货币"
},
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"INV": "李四",
"LISUBCONAM": "300.000000",
"CONDATE": "2023-01-15",
"CONFORM": "货币"
}
],
"YEARREPORTPAIDUPCAPITAL": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"INV": "张三",
"LIACCONAM": "700.000000",
"CONDATE": "2023-01-20",
"CONFORM": "货币"
},
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"INV": "李四",
"LIACCONAM": "300.000000",
"CONDATE": "2023-01-20",
"CONFORM": "货币"
}
],
"YEARREPORTWEBSITEINFO": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"WEBTYPE": "企业官网",
"WEBSITNAME": "海南XXXX大数据科技有限公司官网",
"DOMAIN": "www.xxxx.com.cn"
}
],
"YEARREPORTSOCSEC": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"SO110": "35",
"SO210": "35",
"SO310": "35",
"SO410": "35",
"SO510": "35",
"TOTALWAGES_SO110": "210000.00",
"TOTALWAGES_SO210": "210000.00",
"TOTALWAGES_SO310": "210000.00",
"TOTALWAGES_SO410": "210000.00",
"TOTALWAGES_SO510": "210000.00",
"TOTALPAYMENT_SO110": "33600.00",
"TOTALPAYMENT_SO210": "2100.00",
"TOTALPAYMENT_SO310": "16800.00",
"TOTALPAYMENT_SO410": "840.00",
"TOTALPAYMENT_SO510": "1680.00",
"UNPAIDSOCIALINS_SO110": "0.00",
"UNPAIDSOCIALINS_SO210": "0.00",
"UNPAIDSOCIALINS_SO310": "0.00",
"UNPAIDSOCIALINS_SO410": "0.00",
"UNPAIDSOCIALINS_SO510": "0.00"
}
],
"YEARREPORTALTER": [
{
"ANCHEID": "2023XXXXXXXXXXXXXXXX",
"ALITEM": "电话号码变更",
"ALTBE": "0898-7777XXXX",
"ALTAF": "0898-8888XXXX",
"ALTDATE": "2023-09-01"
}
],
"EXCEPTIONLIST": [
{
"ENTNAME": "海南XXXX大数据科技有限公司",
"REGNO": "460100000XXXXXX",
"SHXYDM": "91460100MA001ABCDE",
"INDATE": "2024-03-05",
"INREASON": "通过登记的住所或者经营场所无法联系",
"OUTREASON": "已在登记的住所或者经营场所重新取得联系",
"YR_REGORG": "海南省市场监督管理局",
"YC_REGORG": "海南省市场监督管理局",
"OUTDATE": "2024-03-20"
}
],
"BREAKLAW": [
{
"INREASON": "发布虚假广告",
"INDATE": "2024-04-01",
"OUTREASON": "已改正违法行为并接受行政处罚",
"OUTDATE": "2024-05-10",
"INREGORG": "海口市XXXXXX分局",
"OUTREGORG": "海口市XXXXXX分局"
}
],
"MORTGAGEBASIC": [
{
"MAB_REGNO": "HDY2023XXXXXX01",
"MAB_REG_DATE": "2023-05-10",
"MAB_REG_ORG": "海口市XXXXXX",
"MAB_GUAR_AMT": "5000000.00",
"MAB_STATUS": "有效",
"MAB_GS_DATE": "2023-05-11",
"MAB_DETAILS": "为获取银行贷款，抵押公司部分设备"
}
],
"MORTGAGEREG": [
{
"MAB_REGNO": "HDY2023XXXXXX01",
"MAB_REG_DATE": "2023-05-10",
"MAB_REG_ORG": "海口市XXXXXX",
"MAB_REG_URL": "http://gsxt.hainan.gov.cn/mortgage/detail/HDY2023XXXXXX01"
}
],
"MORTGAGEPER": [
{
"MAB_REGNO": "HDY2023XXXXXX01",
"MAB_PER_NAME": "海口发展银行科技园支行",
"MAB_PER_CERTYPE": "金融许可证",
"MAB_PER_CERNO": "J00XXXXXX",
"MAB_PER_DOM": "海南省海口市美兰区XX路XX号",
"MAB_PER_URL": "http://gsxt.hainan.gov.cn/mortgage/detail/HDY2023XXXXXX01"
}
],
"MORTGAGEPAWN": [
{
"MAB_REGNO": "HDY2023XXXXXX01",
"MAB_PAWN_NAME": "服务器及配套网络设备",
"MAB_PAWN_OWNER": "海南XXXX大数据科技有限公司",
"MAB_PAWN_DETAILS": "型号XXX服务器10台，型号YYY交换机5台，位于公司机房",
"MAB_PAWN_RMK": "设备状态良好",
"MAB_PAWN_URL": "http://gsxt.hainan.gov.cn/mortgage/detail/HDY2023XXXXXX01"
}
],
"MORTGAGEDEBT": [
{
"MAB_REGNO": "HDY2023XXXXXX01",
"MAB_DEBT_TYPE": "借款合同",
"MAB_DEBT_RANGE": "主债权及利息、违约金、损害赔偿金和实现抵押权的费用",
"MAB_DEBT_RMK": "用于公司日常运营",
"MAB_DEBT_AMT": "5000000.00",
"DEBT_SDATE": "2023-05-15",
"DEBT_EDATE": "2025-05-14",
"URL": "http://gsxt.hainan.gov.cn/mortgage/detail/HDY2023XXXXXX01"
}
],
"MORTGAGEALT": [
{
"MAB_REGNO": "HDY2023XXXXXX01",
"MAB_ALT_DATE": "2024-02-20",
"MAB_ALT_DETAILS": "增加抵押物：型号ZZZ存储设备2套。",
"MAB_ALT_URL": "http://gsxt.hainan.gov.cn/mortgage/detail/HDY2023XXXXXX01/alt/01"
}
],
"MORTGAGECAN": [],
"STOCKPAWN": [
{
"STK_PAWN_REGNO": "HGQ2024XXXXXX01",
"STK_PAWN_CZPER": "张三",
"STK_PAWN_CZCERNO": "4601XXXXXXXXXXXXXX",
"STK_PAWN_CZAMT": "200.000000",
"STK_PAWN_ZQPER": "海南省融资担保有限公司",
"STK_PAWN_ZQCERNO": "91460000MA003XXXXX",
"STK_PAWN_REGDATE": "2024-01-20",
"STK_PAWN_STATUS": "有效",
"STK_PAWN_DATE": "2024-01-21",
"URL": "http://gsxt.hainan.gov.cn/stockpawn/detail/HGQ2024XXXXXX01"
}
],
"STOCKPAWNALT": [],
"STOCKPAWNREV": [],
"INSPECT": [
{
"ISP_TYPE": "双随机、一公开",
"ISP_REGORGCODE": "460100",
"ISP_REGORG": "海口市XXXXXX",
"ISP_DATE": "2023-10-15",
"ISP_RESULT": "未发现问题",
"ISP_NOTICE": "海口市XXXXXX2023年度"双随机、一公开"抽查检查结果公告（第一批）",
"ISP_NOTICEDATE": "2023-10-30"
}
],
"LIQUIDATION": [],
"QUICKCANCELBASIC": {},
"QUICKCANCELDISSENT": []
}
}
,
"法人风险": {
"api_code": "QYFR001",
"接口名称": "法人风险查询",
"接口描述": "查询企业法人的投资任职情况及相关风险信息，包括司法风险、执行风险等",
"状态": "成功",
"状态码": 0,
"状态描述": "查询成功",
"数据": {
"children": [
{
"children": [
{
"base": "hb",
"cid": 135792468,
"companyType": 1,
"legalPersonId": 2468013579,
"legalPersonName": "张三",
"legalPersonType": 1,
"name": "海南某某科技有限公司武汉分公司",
"option": {
"judicial": {
"implementCount": 0,
"implementWeiJieMoney": 0,
"weiJieCount": 0,
"zaiBaoCount": 0,
"weiJieMoney": 0
},
"sxxg": {
"dishonest": false,
"limitConsumption": false
}
},
"regCapital": "",
"regStatus": "吊销"
},
{
"base": "hn",
"cid": 975318642,
"companyType": 1,
"legalPersonId": 2468013579,
"legalPersonName": "张三",
"legalPersonType": 1,
"name": "海南XXXX大数据科技有限公司",
"option": {
"judicial": {
"implementCount": 0,
"implementWeiJieMoney": 0,
"weiJieCount": 1,
"zaiBaoCount": 0,
"weiJieMoney": 0
},
"sxxg": {
"dishonest": true,
"limitConsumption": true
}
},
"regCapital": "1000万人民币",
"regStatus": "在营（开业）企业"
},
{
"base": "hn",
"cid": 246813579,
"companyType": 1,
"legalPersonId": 2468013579,
"legalPersonName": "张三",
"legalPersonType": 1,
"name": "海南某某科技咨询服务有限公司三亚分公司",
"option": {
"judicial": {
"implementCount": 0,
"implementWeiJieMoney": 0,
"weiJieCount": 0,
"zaiBaoCount": 0,
"weiJieMoney": 0
},
"sxxg": {
"dishonest": false,
"limitConsumption": false
}
},
"regCapital": "",
"regStatus": "注销"
}
],
"companyType": 1,
"name": "法定代表人"
},
{
"children": [
{
"base": "hn",
"cid": 864209753,
"companyType": 2,
"legalPersonId": 3692,
"legalPersonName": "李四",
"legalPersonType": 1,
"name": "海南某某企业管理咨询有限公司",
"option": {
"judicial": {
"implementCount": 0,
"implementWeiJieMoney": 0,
"weiJieCount": 0,
"zaiBaoCount": 0,
"weiJieMoney": 0
},
"sxxg": {
"dishonest": false,
"limitConsumption": false
}
},
"regCapital": "500万人民币",
"regStatus": "在营（开业）企业"
},
{
"base": "hn",
"cid": 975318642,
"companyType": 2,
"legalPersonId": 2468013579,
"legalPersonName": "张三",
"legalPersonType": 1,
"name": "海南XXXX大数据科技有限公司",
"option": {
"$ref": "$.data.children[0].children[1].option"
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"2022-08": 0,
"2024-09": 0,
"2023-10": 0,
"2023-11": 574.57,
"2024-02": 0,
"2023-12": 0,
"2024-01": 0,
"2022-12": 0,
"2023-02": 1348.21,
"2025-05": 0,
"2023-03": 4.81,
"2025-04": 0,
"2023-04": 0,
"2023-05": 0,
"2023-06": 0,
"2023-07": 0,
"2023-08": 0,
"2023-09": 5.03,
"2024-11": 0,
"2025-01": 0,
"2024-10": 0,
"2022-10": 0,
"2025-03": 0,
"2022-11": 0,
"2023-01": 0,
"2024-12": 0,
"2025-02": 0
}
}
]
},
"风险等级": "无风险",
"风险分数": 0
},
"欠税公告": {
"api_code": "QYQS001",
"接口名称": "欠税公告查询",
"接口描述": "查询企业欠税公告信息，包括欠税余额、欠税税种、公告时间等详细信息",
"状态": "成功",
"状态码": 0,
"状态描述": "查询成功",
"数据": [
{
"CRAWL_SOURCE": "http://etax.guangxi.chinatax.gov.cn:8208/zfgspt/extranet/xzzs",
"ID_NUMBER": "452528******301",
"LEGAL_PERSON": "李强",
"TAX_ARREARS": "个人",
"NOTICE_DATE": "2024-01-29",
"ID_TYPE": "身份证",
"TAX_ORG_TYPE": "国税",
"TAXPAYER_NAME": "某某某某某有限公司",
"BUSINESS_LOCATION": "南宁市科园大道31号高新苑29栋06号",
"BALANCE": "225574.48",
"BALANCE_NEW": "0",
"PAY_LIMIT_DATE": "",
"TAXPAYER_NUM": "450100******353",
"COMPETENT_TAX_AUTHORITY": "国家税务总局南宁高新技术产业开发区税务局",
"PROVINCE": "广西",
"TAX_CATEGORY": "企业所得税"
},
{
"CRAWL_SOURCE": "https://etax.guangxi.chinatax.gov.cn:9723/web/dzswj/taxclient/ggfw/qsgg.html",
"ID_NUMBER": "452528******301",
"LEGAL_PERSON": "李强",
"TAX_ARREARS": "企业",
"NOTICE_DATE": "2018-11-25",
"ID_TYPE": "身份证",
"TAX_ORG_TYPE": "国税",
"TAXPAYER_NAME": "某某某某某有限公司",
"BUSINESS_LOCATION": "秀灵路7号",
"BALANCE": "2372902.43",
"BALANCE_NEW": "0",
"PAY_LIMIT_DATE": "",
"TAXPAYER_NUM": "450100******353",
"COMPETENT_TAX_AUTHORITY": "国家税务总局南宁高新技术产业开发区税务局",
"PROVINCE": "广西",
"TAX_CATEGORY": "营业税"
},
{
"CRAWL_SOURCE": "https://etax.guangxi.chinatax.gov.cn:9723/web/dzswj/taxclient/ggfw/qsgg.html",
"ID_NUMBER": "452528******301",
"LEGAL_PERSON": "李强",
"TAX_ARREARS": "企业",
"NOTICE_DATE": "2018-11-25",
"ID_TYPE": "身份证",
"TAX_ORG_TYPE": "国税",
"TAXPAYER_NAME": "某某某某某有限公司",
"BUSINESS_LOCATION": "秀灵路7号",
"BALANCE": "166103.17",
"BALANCE_NEW": "0",
"PAY_LIMIT_DATE": "",
"TAXPAYER_NUM": "450100******353",
"COMPETENT_TAX_AUTHORITY": "国家税务总局南宁高新技术产业开发区税务局",
"PROVINCE": "广西",
"TAX_CATEGORY": "城市维护建设税"
},
{
"CRAWL_SOURCE": "https://etax.guangxi.chinatax.gov.cn:9723/web/dzswj/taxclient/ggfw/qsgg.html",
"ID_NUMBER": "452528******301",
"LEGAL_PERSON": "李强",
"TAX_ARREARS": "企业",
"NOTICE_DATE": "2018-11-25",
"ID_TYPE": "身份证",
"TAX_ORG_TYPE": "国税",
"TAXPAYER_NAME": "某某某某某有限公司",
"BUSINESS_LOCATION": "秀灵路7号",
"BALANCE": "32323.4",
"BALANCE_NEW": "0",
"PAY_LIMIT_DATE": "",
"TAXPAYER_NUM": "450100******353",
"COMPETENT_TAX_AUTHORITY": "国家税务总局南宁高新技术产业开发区税务局",
"PROVINCE": "广西",
"TAX_CATEGORY": "城镇土地使用税"
},
{
"CRAWL_SOURCE": "https://etax.guangxi.chinatax.gov.cn:9723/web/dzswj/taxclient/ggfw/qsgg.html",
"ID_NUMBER": "452528******301",
"LEGAL_PERSON": "李强",
"TAX_ARREARS": "企业",
"NOTICE_DATE": "2018-11-25",
"ID_TYPE": "身份证",
"TAX_ORG_TYPE": "国税",
"TAXPAYER_NAME": "某某某某某有限公司",
"BUSINESS_LOCATION": "秀灵路7号",
"BALANCE": "1485267.97",
"BALANCE_NEW": "0",
"PAY_LIMIT_DATE": "",
"TAXPAYER_NUM": "450100******353",
"COMPETENT_TAX_AUTHORITY": "国家税务总局南宁高新技术产业开发区税务局",
"PROVINCE": "广西",
"TAX_CATEGORY": "土地增值税"
},
{
"CRAWL_SOURCE": "https://etax.guangxi.chinatax.gov.cn:9723/web/dzswj/taxclient/ggfw/qsgg.html",
"ID_NUMBER": "452528******301",
"LEGAL_PERSON": "李强",
"TAX_ARREARS": "企业",
"NOTICE_DATE": "2018-11-25",
"ID_TYPE": "身份证",
"TAX_ORG_TYPE": "国税",
"TAXPAYER_NAME": "某某某某某有限公司",
"BUSINESS_LOCATION": "秀灵路7号",
"BALANCE": "63802.48",
"BALANCE_NEW": "0",
"PAY_LIMIT_DATE": "",
"TAXPAYER_NUM": "450100******353",
"COMPETENT_TAX_AUTHORITY": "国家税务总局南宁高新技术产业开发区税务局",
"PROVINCE": "广西",
"TAX_CATEGORY": "印花税"
}
],
"风险等级": "无风险",
"风险分数": 0
},
"税收违法": {
"api_code": "QYSS001",
"接口名称": "税收违法查询",
"接口描述": "查询企业税收违法列表信息，包括纳税人登记名称、纳税人识别号、违法事实等详细信息",
"状态": "成功",
"状态码": 0,
"状态描述": "API调用成功，但返回空数据",
"数据": [
{
"TAX_REGNO": "91632824MABTB0YW1W",
"PUNISH_DETAIL": "",
"EVAL_DATE": "2025-01-16",
"BRK_DETAIL": "经国家税务总局XXXX局检查，发现其在检查所属期内，主要存在以下问题：为他人开具与实际经营业务情况不符的增值税专用发票15份，金额149.99万元，税额19.50万元。",
"TAX_ORG": "国家税务总局XXXX局",
"TAX_ORG_TYPE": "0",
"AGE_DETAIL": "",
"CASE_TYPE": "虚开增值税专用发票或者虚开用于骗取出口退税、抵扣税款的其他发票",
"FINA_DETAIL": "",
"PROVINCE": "青海",
"LEG_DETAIL": "李某某、男性、身份证号码（或其他证件号码）：370811************",
"REG_TYPE": "",
"TAX_NAME": "XXXX有限公司"
},
{
"TAX_REGNO": "91632824MABTB0YW1W",
"PUNISH_DETAIL": "依照《中华人民共和国税收征收管理法》等相关法律法规的有关规定，依法移送海西蒙古族藏族自治州公安局。",
"EVAL_DATE": "2025-01-16",
"BRK_DETAIL": "经国家税务总局XXXX局检查，发现其在检查所属期内，主要存在以下问题：为他人开具与实际经营业务情况不符的增值税专用发票15份，金额149.99万元，税额19.50万元。",
"TAX_ORG": "国家税务总局XXXX局",
"TAX_ORG_TYPE": "",
"AGE_DETAIL": "",
"CASE_TYPE": "虚开增值税专用发票或者虚开用于骗取出口退税、抵扣税款的其他发票",
"FINA_DETAIL": "",
"PROVINCE": "青海",
"LEG_DETAIL": "法定代表人：李某某 男性 居民身份证：370811************、、身份证号码（或其他证件号码）：",
"REG_TYPE": "",
"TAX_NAME": "XXXX有限公司"
}
]
},
"环保处罚": {
"api_code": "QYHB001",
"接口名称": "环保处罚查询",
"接口描述": "查询企业的环保处罚信息，包括处罚文书号、处罚金额、处罚原因等详细信息",
"状态": "成功",
"状态码": 0,
"状态描述": "查询成功",
"数据": [
{
"CUR": "CNY",
"DOCUMENT_NUM": "XXXX环境监察罚字XXX号",
"ENT_ADDS": "广西南宁市XXXX",
"FORFEITURE_AMOUNT": 0,
"PUNISH_BASIS": "违反环境污染防治类别：水污染防治类，环境违法行为：超标排放污染物、违反排污许可管理制度类",
"ILLEGAL_INCOMES_CONFISCATED": 0,
"ILLEGAL_TYPE": "存在拒绝环境保护主管部门监督检查或者在接受监督检查时弄虚作假、建设项目的水污染防治设施未建成、未经验收或者验收不合格，主体工程即投入生产或者使用等情形；超标排放水污染物、大气污染物等情形；违反排污许可制度排放水污染物的、大气污染物等情形",
"RECTIFY_STATUS_CODE": "2",
"LEGAL_NAME": "李某某",
"CREDITCODE": "91XXXXXXXXXXXXXX",
"NOTICE_DATE": "2024-XX-XX",
"REASON_FOR_VIOLATION": "环境污染",
"PUNISH_ORG": "XXX生态环境厅",
"CANCEL_DATE": "",
"PUNISH_MEASURES": "罚款",
"REGNO": "XXXXXXXXXXXXXX",
"PENALTY_AMOUNT": "26.4",
"ENTNAME": "XXXX有限公司",
"PROVINCE": "广西壮族自治区",
"TITLE": "XXXX环境监察罚字﹝2024﹞XX号",
"RECTIFY_STATUS": "实际处罚",
"PUNISH_DATE": "2024-XX-XX"
}
],
"风险等级": "无风险",
"风险分数": 0
},
"行政处罚": {
"state": true,
"message": "行政处罚查询",
"data": {
"total": 1,
"items": [
{
"departmentName": "XXX生态环境厅",
"reason": "你单位为排污许可重点管理单位(排污许可证书编号:XXXXXXXXXXXXXX),XXX生态环境监测中心在你单位排污许可证载明的废水排放口xxx进行了取样监测,2024年xx月xx日XXX生态环境监测中心出具的编号为xxxx的检测报告显示,你单位排放的废水中粪大肠菌群数监测值为2800 MPN/L,超过排污许可证规定的1000 MPN/L,超标倍数为1.8倍,当日处理水量为4.9万吨,废水最终排入水体为XX河流。",
"evidence": "《排污许可管理条例》第三十四条第一款第一项"违反本条例规定,排污单位有下列行为之一的,由生态环境主管部门责令改正或者限制生产、停产整治,处20万元以上100万元以下的罚款;情节严重的,吊销排污许可证,报经有批准权的人民政府批准,责令停业、关闭:(一)超过许可排放浓度、许可排放量排放污染物;"",
"punishStatus": "-",
"remark": "",
"source": "信用中国",
"type": "罚款",
"content": "对你单位处二十六万四千元罚款。",
"decisionDate": "2024-XX-XX",
"legalPersonName": "-",
"pecuniary": "XXXX.XX",
"punishName": "违反水污染物管理制度",
"punishNumber": "XXXX环境监察罚字XXX号",
"typeSecond": ""
}
]
}
},
"天眼风险": {
"state": true,
"message": "ok",
"data": {
"riskLevel": "",
"riskList": [
{
"count": 57,
"name": "自身风险",
"list": [
{
"total": 1,
"tag": "高风险",
"type": 38,
"list": [
{
"companyId": null,
"companyName": "",
"id": 26312734792,
"riskCount": 1,
"title": "该公司被申请破产的案件信息",
"type": 38,
"desc": "破产案件"
}
],
"title": "破产案件"
},
{
"total": 2,
"tag": "高风险",
"type": 3,
"list": [
{
"companyId": null,
"companyName": "",
"id": 26378024112,
"riskCount": 2,
"title": "该公司是最高人民法院所公示的失信公司",
"type": 3,
"desc": "失信被执行人"
}
],
"title": "失信被执行人"
},
{
"total": 1,
"tag": "高风险",
"type": 7,
"list": [
{
"companyId": null,
"companyName": "",
"id": 245892077,
"riskCount": 1,
"title": "该公司因未按规定提交年度报告信息而被列入企业经营异常名录",
"type": 7,
"desc": "经营异常"
}
],
"title": "经营异常"
},
{
"total": 26,
"tag": "警示",
"type": 8,
"list": [
{
"companyId": null,
"companyName": "",
"id": 84968341,
"riskCount": 15,
"title": "该公司曾因金融借款合同纠纷而被起诉",
"type": 8,
"desc": "裁判文书"
},
{
"companyId": null,
"companyName": "",
"id": 87557275,
"riskCount": 1,
"title": "该公司曾因企业借贷纠纷而被起诉",
"type": 8,
"desc": "裁判文书"
},
{
"companyId": null,
"companyName": "",
"id": 105877342,
"riskCount": 1,
"title": "该公司曾因商品房预售合同纠纷而被起诉",
"type": 8,
"desc": "裁判文书"
},
{
"companyId": null,
"companyName": "",
"id": 177960360,
"riskCount": 1,
"title": "该公司曾因合同纠纷而被起诉",
"type": 8,
"desc": "裁判文书"
},
{
"companyId": null,
"companyName": "",
"id": 279415401,
"riskCount": 1,
"title": "该公司曾在民间借贷纠纷类案件中被文书内容提及",
"type": 8,
"desc": "裁判文书"
},
{
"companyId": null,
"companyName": "",
"id": 287824275,
"riskCount": 1,
"title": "该公司曾因民间借贷纠纷而起诉他人或公司",
"type": 8,
"desc": "裁判文书"
},
{
"companyId": null,
"companyName": "",
"id": 16811926,
"riskCount": 6,
"title": "该公司曾因其他案由而被起诉",
"type": 8,
"desc": "裁判文书"
}
],
"title": "裁判文书"
},
{
"total": 11,
"tag": "警示",
"type": 26,
"list": [
{
"companyId": null,
"companyName": "",
"id": 323778001,
"riskCount": 11,
"title": "该公司被起诉的送达公告",
"type": 26,
"desc": "送达公告"
}
],
"title": "送达公告"
},
{
"total": 16,
"tag": "警示",
"type": 27,
"list": [
{
"companyId": null,
"companyName": "",
"id": 275267494,
"riskCount": 15,
"title": "该公司被起诉的立案信息",
"type": 27,
"desc": "立案信息"
},
{
"companyId": null,
"companyName": "",
"id": 418622294,
"riskCount": 1,
"title": "该公司被立案内容提及的立案信息",
"type": 27,
"desc": "立案信息"
}
],
"title": "立案信息"
}
],
"type": 1
},
{
"count": 4,
"name": "周边风险",
"list": [
{
"total": 4,
"tag": "警示",
"type": 56,
"list": [
{
"companyId": 809627804,
"companyName": "李铭",
"id": 6265143,
"riskCount": 2,
"title": "该公司的高管李铭曾因其他案由而起诉他人或公司",
"type": 56,
"desc": "裁判文书_人员"
},
{
"companyId": 809627804,
"companyName": "李强",
"id": 8323213,
"riskCount": 2,
"title": "该公司的高管李强曾因其他案由而起诉他人或公司",
"type": 56,
"desc": "裁判文书_人员"
}
],
"title": "裁判文书"
}
],
"type": 2
},
{
"count": 38,
"name": "历史风险",
"list": [
{
"total": 20,
"tag": "高风险",
"type": 72,
"list": [
{
"companyId": null,
"companyName": "",
"id": 26357022319,
"riskCount": 20,
"title": "该公司曾因未按时履行法律义务而被法院强制执行",
"type": 72,
"desc": "被执行人"
}
],
"title": "被执行人_历史"
},
{
"total": 5,
"tag": "高风险",
"type": 73,
"list": [
{
"companyId": null,
"companyName": "",
"id": 327768701,
"riskCount": 5,
"title": "该公司被法院列为限制高消费企业",
"type": 73,
"desc": "限制消费令"
}
],
"title": "限制消费令_历史"
},
{
"total": 8,
"tag": "高风险",
"type": 74,
"list": [
{
"companyId": null,
"companyName": "",
"id": 328136050,
"riskCount": 8,
"title": "该公司有终本案件信息",
"type": 74,
"desc": "终本案件"
}
],
"title": "终本案件_历史"
},
{
"total": 5,
"tag": "警示",
"type": 79,
"list": [
{
"companyId": null,
"companyName": "",
"id": 26379502931,
"riskCount": 5,
"title": "该公司曾因拖欠税款而被列入欠税公告名单",
"type": 79,
"desc": "欠税公告"
}
],
"title": "欠税公告_历史"
}
],
"type": 3
},
{
"count": 6,
"name": "预警提醒",
"list": [
{
"total": 2,
"tag": "提示信息",
"type": 16,
"list": [
{
"companyId": null,
"companyName": "",
"id": 116678295,
"riskCount": 2,
"title": "该公司发生了投资人变更",
"type": 16,
"desc": "投资人变更"
}
],
"title": "投资人变更"
},
{
"total": 2,
"tag": "提示信息",
"type": 17,
"list": [
{
"companyId": null,
"companyName": "",
"id": 116678293,
"riskCount": 2,
"title": "该公司发生了主要人员变更",
"type": 17,
"desc": "主要人员变更"
}
],
"title": "主要人员变更"
},
{
"total": 2,
"tag": "提示信息",
"type": 19,
"list": [
{
"companyId": null,
"companyName": "",
"id": 116678294,
"riskCount": 2,
"title": "该公司发生了注册地址变更",
"type": 19,
"desc": "注册地址变更"
}
],
"title": "注册地址变更"
}
],
"type": 0
}
]
}
}
},
"code": 0
}基于以上API返回的结构化数据，我们可以生成两种格式的企业风险分析报告：
数据维度解读
1. 基础概览维度
| 数据项 | 包含信息 | 业务价值 |
|---|---|---|
| 报告首页 | - 风险评分概览 - 风险等级分布 - 重点风险提示 | 快速了解企业整体风险状况 |
| 企业基本信息 | - 工商注册信息 - 经营状态 - 注册资本 - 经营范围 | 判断企业基础资质和经营能力 |
2. 企业结构与变更维度
| 数据项 | 包含信息 | 业务价值 |
|---|---|---|
| 对外投资信息 | - 投资企业列表 - 投资金额 - 持股比例 | 评估企业规模和业务扩张能力 |
| 分支机构信息 | - 分支机构分布 - 经营状态 - 业务范围 | 了解企业全国布局和业务覆盖 |
| 工商变更记录 | - 股权变更 - 法人变更 - 经营范围变更 | 监控企业重大变更风险 |
| 企业年报信息 | - 资产状况 - 经营情况 - 纳税信息 | 分析企业经营稳定性 |
3. 司法与合规风险维度
| 数据项 | 包含信息 | 业务价值 |
|---|---|---|
| 司法案件统计 | - 案件类型分布 - 涉案金额 - 案件状态 | 评估企业涉诉风险 |
| 失信与限高风险 | - 失信记录 - 限制高消费 - 执行情况 | 判断企业信用状况 |
| 法定代表人风险 | - 个人涉诉 - 关联企业风险 - 履职资格 | 评估管理层风险 |
4. 行政合规风险维度
| 数据项 | 包含信息 | 业务价值 |
|---|---|---|
| 税务合规风险 | - 纳税评级 - 欠税信息 - 税收违法 | 评估税务合规性 |
| 环保处罚记录 | - 环保处罚 - 整改情况 - 处罚金额 | 判断环保合规风险 |
| 行政处罚信息 | - 处罚类型 - 处罚结果 - 整改状态 | 了解企业合规管理水平 |
| 经营异常扫描 | - 经营异常 - 严重违法 - 异常原因 | 监控经营合规风险 |
5. 财务与经营风险维度
| 数据项 | 包含信息 | 业务价值 |
|---|---|---|
| 投融资风险分析 | - 融资历史 - 股权质押 - 融资成本 | 评估企业融资能力和风险 |
| 合同履约评估 | - 合同纠纷 - 履约情况 - 信用评级 | 判断企业履约能力 |
| 债务债权结构 | - 债务规模 - 债务类型 - 债务期限 | 分析企业财务风险 |
| 资产抵质押信息 | - 抵押资产 - 质押股权 - 抵押估值 | 评估企业资产风险 |
6. 综合风险评估
| 数据项 | 包含信息 | 业务价值 |
|---|---|---|
| 天远风险扫描 | - 风险评分 - 风险预警 - 风险趋势 | 全面把握企业风险状况 |
| 报告声明 | - 数据来源 - 评估方法 - 免责说明 | 了解报告使用限制 |
应用场景详解
1. 供应商管理与风控
- 供应商准入评估
- 供应商分级管理
- 供应链风险监控
- 采购风险预警
- 供应商信用评级
2. 金融信贷决策
- 企业授信评估
- 贷前尽职调查
- 贷中风险监控
- 贷后预警管理
- 不良资产处置
3. 投资并购尽调
- 目标企业筛选
- 投资风险评估
- 估值参考分析
- 投后管理监控
- 退出风险评估
4. 商业合作决策
- 客户资质评估
- 合作伙伴筛选
- 渠道商管理
- 经销商准入
- 合作风险预警
行业应用价值
-
金融行业
- 信贷风控
- 投资决策
- 资产管理
- 保险承保
-
供应链行业
- 供应商管理
- 采购风控
- 信用评估
- 风险预警
-
投资咨询行业
- 尽职调查
- 并购顾问
- 风险评估
- 投资建议
-
企业管理领域
- 合作伙伴筛选
- 客户信用管理
- 风险预警系统
- 决策支持
最佳实践
-
API调用优化
- 实现请求重试机制
- 添加超时处理
- 做好异常捕获
-
数据处理建议
- 统一数据格式转换
- 建立数据验证机制
- 保留原始数据备份
-
系统集成建议
- 模块化设计
- 统一错误处理
- 完善日志记录
结语
企业风控API的应用是构建企业风险管理体系的重要基础。通过大数据企业风控，开发者可以快速构建专业的风险评估系统，为企业决策提供数据支持。