使用说明
MCP-SERVER-TATA-CAPITAL
🚀 贷款销售机构API
用于个人贷款资格、优惠、文件验证和申请管理的轻量级后端API。
📌 基本URL
http://127.0.0.1:8000/docs
📂 API端点概述
| 端点 | 方法 | 描述 |
|---|---|---|
/health |
GET | 服务器状态检查 |
/loan/personal/check-eligibility |
POST | 检查客户贷款资格 |
/loan/personal/apply |
POST | 提交个人贷款申请 |
/loan/personal/status |
POST | 跟踪贷款申请状态 |
/loan/personal/offer |
POST | 生成贷款报价 |
/loan/personal/verify-pan |
POST | PAN验证 |
/loan/personal/verify-salary-slip |
POST | 工资单验证 |
/loan/personal/cibil-score |
POST | 获取CIBIL分数 |
/loan/personal/calculate-emi |
POST | 计算电磁干扰 |
🟢 1. GET/健康
✔ 检查服务器是否处于活动状态
回应
{
"status": "ok",
"message": "Server is running"
}
🟦 2. 邮政/贷款/个人/支票资格
根据收入、CIBIL、年龄和现有负债检查贷款资格。
示例请求
{
"customer_id": "CUST001",
"age": 28,
"monthly_income": 45000,
"existing_emis": 5000,
"cibil_score": 735,
"employment_type": "salaried"
}
✔ 成功
{
"eligible": true,
"approved_amount": 250000,
"interest_rate": 12.5,
"message": "Customer is eligible for the loan"
}
❌ 低收入
{
"eligible": false,
"message": "Minimum income requirement not met"
}
❌ 低CIBIL
{
"eligible": false,
"message": "CIBIL score too low for personal loan"
}
🟦 3. 邮政/贷款/个人/申请
创建贷款申请条目。
示例请求
{
"customer_id": "CUST001",
"loan_amount": 200000,
"tenure_months": 36,
"income": 45000,
"employment_type": "salaried",
"address": "Mumbai"
}
✔ 成功
{
"application_id": "APP10235",
"status": "submitted",
"message": "Loan application submitted successfully"
}
❌ 缺少字段
{
"error": "customer_id and loan_amount are required"
}
🟦 4. 邮政/贷款/个人/身份
检索贷款申请的状态。
示例请求
{
"application_id": "APP10235"
}
✔ 成功
{
"application_id": "APP10235",
"status": "under_review"
}
❌ 无效ID
{
"error": "Application ID not found"
}
🟦 5. 邮政/贷款/个人/报价
生成个性化贷款报价。
示例请求
{
"customer_id": "CUST001",
"income": 45000,
"cibil_score": 730
}
✔ 成功
{
"customer_id": "CUST001",
"offers": [
{
"loan_amount": 200000,
"interest_rate": 12.4,
"tenure_months": 36
},
{
"loan_amount": 300000,
"interest_rate": 13.5,
"tenure_months": 48
}
]
}
🟦 6. 邮政/贷款/个人/验证潘
验证PAN号码格式和映射。
示例请求
{
"customer_id": "CUST001",
"pan_number": "ABCDE1234F"
}
✔ 成功
{
"valid": true,
"message": "PAN verification successful"
}
❌ PAN无效
{
"valid": false,
"message": "Invalid PAN format or not found"
}
🟦 7. 邮寄/贷款/个人/核实工资单
验证客户的工资单是否在后端数据文件夹中可用。
示例请求
{
"customer_id": "CUST001"
}
✔ 成功
{
"verified": true,
"file": "salary_slip_CUST001.pdf"
}
❌ 未找到
{
"verified": false,
"message": "Salary slip not found"
}
🟦 8. POST/贷款/个人/cibil评分
返回客户存储的CIBIL分数。
示例请求
{
"customer_id": "CUST001"
}
✔ 成功
{
"customer_id": "CUST001",
"cibil_score": 742
}
❌ 未找到
{
"error": "Customer not found"
}
🟦 9. 邮政/贷款/个人/计算emi
使用递减余额利息公式计算EMI。
示例请求
{
"loan_amount": 200000,
"interest_rate": 12.5,
"tenure_months": 36
}
✔ 成功
{
"emi": 6681.23
}
❌ 缺少字段
{
"error": "loan_amount, interest_rate and tenure_months are required"
}
📌 文件夹结构示例
project/
│── main.py
│── requirements.txt
│── data/
│ ├── salary_slips/
│ │ ├── salary_slip_CUST001.pdf
│ │ ├── salary_slip_CUST002.pdf
│ │ └── ...
│ └── cibil_scores.json
🚀 运行服务器
uvicorn main:app --reload
