理财新增

一笔理财的初始购买
传递产品信息financeContractProduct 如果产品信息中的产品code 和产品名称不为空，其他都是空那么认为在cfs系统中已经存在，直接关联

请求参数

Body 参数application/json

accountId

number

申购活期账户：扣款账号Id

必需

accountNumber

string

虚拟账户【手动录入或者生成】

必需

bankCode

string

银行code

必需

bankLocationName

string

开户行

必需

boundaryFlag

integer

境内境外标志

必需

breakEvenVatRate

number

保本理财增值税

必需

contractNumber

string

理财合同编号

必需

contractRate

number

合同利率

必需

contractShare

number

份额

必需

currencyCode

string

币种

必需

dateOfDeductions

string

扣款日期

必需

worthDate

string

净值日

必需

dateOfSigning

string

签订日期

可选

valueDate

string

起息日期

必需

expirationDate

string

截止日期

必需

effectiveDate

string

生效日期

必需

depositFixedRate

integer

基准利率

必需

description

string

投资理由

必需

earningsCurrency

string

费用币种

必需

expectDeadLine

integer

预计期限

必需

expectedReturnRate

integer

预计收益率

必需

financialInstitutionCode

string

理财机构Code

必需

financialInstitutionName

string

理财机构名称

必需

financialInstitutionTypeCode

string

理财机构类型

必需

financialType

string

理财类型

必需

floatingWay

integer

浮动方式 1：比例 2：加点/减点 3：累进

必需

floatingWayValue

integer

必需

investProductCode

string

是否保本

必需

investRiskCode

string

投资风险/风险等级

必需

openingStatus

integer

开放状态

必需

originalAmount

integer

初始申购金额

必需

payBizType

string

支付业务类型

必需

payWayCode

string

支付方式

必需

performanceStandardRate

number

业绩基准%

必需

predictAmount

number

预计投资金额

必需

purchaseDate

string

购买日期

必需

purchaseOutlets

string

购买网点

必需

purchaseShare

number

申购份额

必需

rate

string

利率，用于结构性存款利率范围

必需

subscriptionFees

number | null

申购费用

必需

taxRate

integer

税率

必需

thirdPartyNumber

string

第三方系统编号

必需

virtualOrgCode

string

组织Code

必需

virtualOrgId

string

组织id

可选

如果有同步cfs系统数据

whetherCanPledge

integer

是否可抵质押

必需

(0否、1是) 默认值:是

financeContractProduct

object

理财产品

必需

productName

string

产品名称

必需

productCode

string

产品编码

必需

developmentPeriod

string

开放期限

必需

financeBankCode

string

银行code

必需

financialCode

string

理财类型code

必需

financialInstitutionTypeCode

string

理财机构类型

必需

floatingWay

integer

浮动方式;1：比例， 2：加点/减点， 3：累进

必需

floatingWayValue

number

浮动值

必需

interestAccrualWay

string

计息方式

必需

interestStandardCode

string

计息基准代码

必需

investProductCode

string

是否保本

必需

investRiskCode

string

风险等级

必需

openingPeriod

integer

定开周期

必需

openingPeriodType

string

定开周期单位

必需

openingStatus

integer

封闭/开放: 1-开放 2-封闭

必需

productDescription

string

产品描述

必需

productInterestType

integer

单利/复利: 1-单利 2-复利

必需

示例

{
    "depositCode": "CK2023070300001",
    "accountNumber": "20230609-6",
    "virtualOrgId": "1634033891563843585",
    "virtualOrgCode": "1303",
    "virtualOrgName": "1303_塔塔组织",
    "accountId": "1667007107704086529",
    "accountIdName": "CCB-20230609-CNY",
    "baAccountNumber": "20230609",
    "thirdPartyNumber": null,
    "boundaryFlag": 1,
    "boundaryFlagName": "境内",
    "whetherWithdrawal": 1,
    "whetherWithdrawalName": "是",
    "whetherCanPledge": 1,
    "whetherCanPledgeName": "是",
    "whetherTransferable": 0,
    "whetherTransferableName": "否",
    "payWayCode": "A5",
    "payWayCodeName": "网银（线下）-银行账户扣款",
    "payBizType": "TZXZC",
    "payBizTypeName": "投资性支出",
    "bankCode": "CCB",
    "bankName": "建设银行",
    "bankLocationId": "8204295",
    "bankLocationName": "中国建设银行北京市分行前门支行营业部",
    "currencyCode": "CNY",
    "currencyCodeName": "人民币",
    "originalAmount": 4000,
    "originalAmountView": "4,000",
    "purchaseDate": "",
    "valueDate": "2022-01-02",
    "expirationDate": "2023-06-15",
    "expectDeadLine": 529,
    "expectDeadLineName": "529天",
    "accountTypeCode": "certificate_of_deposit",
    "accountTypeCodeName": "大额存单",
    "transferCurrency": "CNY",
    "transferCurrencyName": "人民币",
    "interestPrepaid": 123,
    "interestPrepaidView": "123.00",
    "transferRates": 22,
    "transferRatesView": "22.000000",
    "earningsCurrency": "USD",
    "earningsCurrencyName": "美元",
    "subscriptionFees": "",
    "subscriptionFeesView": "",
    "description": "滴滴滴滴滴",
    "interestStandardCode": "ACT/360_D",
    "interestStandardCodeName": "ACT/360_D",
    "baseRate": 3.987654,
    "relocatableMode": 1,
    "relocatableModeName": "比例",
    "volatility": 20,
    "volatilityName": "20 %",
    "couponRate": 0.11,
    "contractRate": 0.22,
    "debtServiceWay": "2",
    "debtServiceWayName": "按期付息到期还本",
    "interestPeriod": "5",
    "interestPeriodType": "2",
    "interestPeriodName": "/自然区间/季",
    "datePayable": "5",
    "datePayableName": "5号",
    "datePayableType": "",
    "datePayableTypeName": "",
    "taxRate": "",
    "taxRateView": "",
    "contractNumber": "",
    "dateOfSigning": "",
    "dateOfDeductions": "",
    "effectiveDate": "",
    "performStatus": 1,
    "submitType": "1",
    "depositAttachSubmitRequests": [],
    "depositAttachDelIds": null,
    "interestId": null,
    "transfereeDate": "2023-02-01",
    "claimAssociateId": null,
    "callTypeName": null,
    "callType": "",
    "depositType": "2",
    "counterpartyId": "",
    "counterpartyName": "交易对手",
    "incrementalInterestRate": "0.11",
    "accountName": null,
    "interest": {
        "baseRate": 3.987654,
        "contractRate": 0.22,
        "couponRate": 0.11,
        "datePayable": "5",
        "debtServiceWay": "2",
        "expectDeadLine": 529,
        "interestPeriod": [
            "2",
            "5"
        ],
        "interestStandardCode": "ACT/360_D",
        "relocatableMode": 1,
        "taxRate": "",
        "volatility": 20
    }
}

示例代码

Shell

JavaScript

Java

Swift

PHP

Python

HTTP

Objective-C

Ruby

OCaml

Dart

curl --location --request POST 'openapi/financial/create' \
--header 'Content-Type: application/json' \
--data-raw '{
    "depositCode": "CK2023070300001",
    "accountNumber": "20230609-6",
    "virtualOrgId": "1634033891563843585",
    "virtualOrgCode": "1303",
    "virtualOrgName": "1303_塔塔组织",
    "accountId": "1667007107704086529",
    "accountIdName": "CCB-20230609-CNY",
    "baAccountNumber": "20230609",
    "thirdPartyNumber": null,
    "boundaryFlag": 1,
    "boundaryFlagName": "境内",
    "whetherWithdrawal": 1,
    "whetherWithdrawalName": "是",
    "whetherCanPledge": 1,
    "whetherCanPledgeName": "是",
    "whetherTransferable": 0,
    "whetherTransferableName": "否",
    "payWayCode": "A5",
    "payWayCodeName": "网银（线下）-银行账户扣款",
    "payBizType": "TZXZC",
    "payBizTypeName": "投资性支出",
    "bankCode": "CCB",
    "bankName": "建设银行",
    "bankLocationId": "8204295",
    "bankLocationName": "中国建设银行北京市分行前门支行营业部",
    "currencyCode": "CNY",
    "currencyCodeName": "人民币",
    "originalAmount": 4000,
    "originalAmountView": "4,000",
    "purchaseDate": "",
    "valueDate": "2022-01-02",
    "expirationDate": "2023-06-15",
    "expectDeadLine": 529,
    "expectDeadLineName": "529天",
    "accountTypeCode": "certificate_of_deposit",
    "accountTypeCodeName": "大额存单",
    "transferCurrency": "CNY",
    "transferCurrencyName": "人民币",
    "interestPrepaid": 123,
    "interestPrepaidView": "123.00",
    "transferRates": 22,
    "transferRatesView": "22.000000",
    "earningsCurrency": "USD",
    "earningsCurrencyName": "美元",
    "subscriptionFees": "",
    "subscriptionFeesView": "",
    "description": "滴滴滴滴滴",
    "interestStandardCode": "ACT/360_D",
    "interestStandardCodeName": "ACT/360_D",
    "baseRate": 3.987654,
    "relocatableMode": 1,
    "relocatableModeName": "比例",
    "volatility": 20,
    "volatilityName": "20 %",
    "couponRate": 0.11,
    "contractRate": 0.22,
    "debtServiceWay": "2",
    "debtServiceWayName": "按期付息到期还本",
    "interestPeriod": "5",
    "interestPeriodType": "2",
    "interestPeriodName": "/自然区间/季",
    "datePayable": "5",
    "datePayableName": "5号",
    "datePayableType": "",
    "datePayableTypeName": "",
    "taxRate": "",
    "taxRateView": "",
    "contractNumber": "",
    "dateOfSigning": "",
    "dateOfDeductions": "",
    "effectiveDate": "",
    "performStatus": 1,
    "submitType": "1",
    "depositAttachSubmitRequests": [],
    "depositAttachDelIds": null,
    "interestId": null,
    "transfereeDate": "2023-02-01",
    "claimAssociateId": null,
    "callTypeName": null,
    "callType": "",
    "depositType": "2",
    "counterpartyId": "",
    "counterpartyName": "交易对手",
    "incrementalInterestRate": "0.11",
    "accountName": null,
    "interest": {
        "baseRate": 3.987654,
        "contractRate": 0.22,
        "couponRate": 0.11,
        "datePayable": "5",
        "debtServiceWay": "2",
        "expectDeadLine": 529,
        "interestPeriod": [
            "2",
            "5"
        ],
        "interestStandardCode": "ACT/360_D",
        "relocatableMode": 1,
        "taxRate": "",
        "volatility": 20
    }
}'

application/json

Body

success

boolean

必需

code

integer

必需

msg

string

必需

data

object

必需

string

理财id

必需

示例

{
    "success": true,
    "code": 0,
    "msg": "string",
    "data": {
        "id": "string"
    }
}

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示例代码

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