淘宝开放平台 - 文档中心

请求地址：

环境	HTTP请求地址	HTTPS请求地址
正式环境	http://gw.api.taobao.com/router/rest	https://eco.taobao.com/router/rest

公共请求参数：

名称	类型	是否必须	描述
method	String	是	API接口名称。
app_key	String	是	TOP分配给应用的AppKey。
target_app_key	String	否	被调用的目标AppKey，仅当被调用的API为第三方ISV提供时有效。
sign_method	String	是	签名的摘要算法，可选值为：hmac，md5。
sign	String	是	API输入参数签名结果，签名算法介绍请点击这里。
session	String	否	用户登录授权成功后，TOP颁发给应用的授权信息，详细介绍请点击这里。当此API的标签上注明：“需要授权”，则此参数必传；“不需要授权”，则此参数不需要传；“可选授权”，则此参数为可选。
timestamp	String	是	时间戳，格式为yyyy-MM-dd HH:mm:ss，时区为GMT+8，例如：2015-01-01 12:00:00。淘宝API服务端允许客户端请求最大时间误差为10分钟。
format	String	否	响应格式。默认为xml格式，可选值：xml，json。
v	String	是	API协议版本，可选值：2.0。
partner_id	String	否	合作伙伴身份标识。
simplify	Boolean	否	是否采用精简JSON返回格式，仅当format=json时有效，默认值为：false。

名称	类型	是否必须	示例值	描述
institution_loan_no	String	可选	20250304003088206402006340363601	业务方内部借款编码
loan_status	String	可选	SUCCESS	放款状态
loan_amount	String	可选	1234.00	放款金额
loan_bank_card	LoanBankCard	可选		借款卡信息
└ bank_card_id String 可选 1607092537328254240 银行卡id └ bank_code String 可选 ICBC 银行卡编码 └ bank_name String 可选中国工商银行银行名称 └ show_card_no String 可选 2892 银行卡号
fund_supplier	FundSupplier	可选		支持的机构
└ code String 可选 WMXT 机构编码 └ name String 可选外贸信托机构名称
request_id	String	可选	FI990100027037725030400000222189:TAOTIAN	请求id
institution_loan_apply_no	String	可选	2025030400507004000664005141064A	业务方内部借款申请号
loan_apply_no	String	可选	FI990100027037725030400000222189	借据号
loan_time	Date	可选	2025-03-04 09:30:15	放款时间
customer_id	String	可选	1235xmkdgns	用户id
fail_reason_code	String	可选	XXXX	失败错误码
fail_reason_message	String	可选	风控拒绝	支用失败原因

名称	类型	示例值	描述
trace_id	String	2150433817410518168866371e13dd	请求id
result_code	String	SUCCESS	错误码
result	Boolean	true	结果

JAVA
.NET
PHP
CURL
Python
C/C++
NodeJS

TaobaoClient client = new DefaultTaobaoClient(url, appkey, secret);
AlitripFinanceZhixinLoanNotifyRequest req = new AlitripFinanceZhixinLoanNotifyRequest();
req.setInstitutionLoanNo("20250304003088206402006340363601");
req.setLoanStatus("SUCCESS");
req.setLoanAmount("1234.00");
AlitripFinanceZhixinLoanNotifyRequest.LoanBankCard obj1 = new AlitripFinanceZhixinLoanNotifyRequest.LoanBankCard();
obj1.setBankCardId("1607092537328254240");
obj1.setBankCode("ICBC");
obj1.setBankName("中国工商银行");
obj1.setShowCardNo("2892");
req.setLoanBankCard(obj1);
AlitripFinanceZhixinLoanNotifyRequest.FundSupplier obj2 = new AlitripFinanceZhixinLoanNotifyRequest.FundSupplier();
obj2.setCode("WMXT");
obj2.setName("外贸信托");
req.setFundSupplier(obj2);
req.setRequestId("FI990100027037725030400000222189:TAOTIAN");
req.setInstitutionLoanApplyNo("2025030400507004000664005141064A");
req.setLoanApplyNo("FI990100027037725030400000222189");
req.setLoanTime(StringUtils.parseDateTime("2025-03-04 09:30:15"));
req.setCustomerId("1235xmkdgns");
req.setFailReasonCode("XXXX");
req.setFailReasonMessage("风控拒绝");
AlitripFinanceZhixinLoanNotifyResponse rsp = client.execute(req);
System.out.println(rsp.getBody());

ITopClient client = new DefaultTopClient(url, appkey, secret);
AlitripFinanceZhixinLoanNotifyRequest req = new AlitripFinanceZhixinLoanNotifyRequest();
req.InstitutionLoanNo = "20250304003088206402006340363601";
req.LoanStatus = "SUCCESS";
req.LoanAmount = "1234.00";
AlitripFinanceZhixinLoanNotifyRequest.LoanBankCardDomain obj1 = new AlitripFinanceZhixinLoanNotifyRequest.LoanBankCardDomain();
obj1.BankCardId = "1607092537328254240";
obj1.BankCode = "ICBC";
obj1.BankName = "中国工商银行";
obj1.ShowCardNo = "2892";
req.LoanBankCard_ = obj1;
AlitripFinanceZhixinLoanNotifyRequest.FundSupplierDomain obj2 = new AlitripFinanceZhixinLoanNotifyRequest.FundSupplierDomain();
obj2.Code = "WMXT";
obj2.Name = "外贸信托";
req.FundSupplier_ = obj2;
req.RequestId = "FI990100027037725030400000222189:TAOTIAN";
req.InstitutionLoanApplyNo = "2025030400507004000664005141064A";
req.LoanApplyNo = "FI990100027037725030400000222189";
req.LoanTime = DateTime.Parse("2025-03-04 09:30:15");
req.CustomerId = "1235xmkdgns";
req.FailReasonCode = "XXXX";
req.FailReasonMessage = "风控拒绝";
AlitripFinanceZhixinLoanNotifyResponse rsp = client.Execute(req);
Console.WriteLine(rsp.Body);

$c = new TopClient;
$c->appkey = $appkey;
$c->secretKey = $secret;
$req = new AlitripFinanceZhixinLoanNotifyRequest;
$req->setInstitutionLoanNo("20250304003088206402006340363601");
$req->setLoanStatus("SUCCESS");
$req->setLoanAmount("1234.00");
$loan_bank_card = new LoanBankCard;
$loan_bank_card->bank_card_id="1607092537328254240";
$loan_bank_card->bank_code="ICBC";
$loan_bank_card->bank_name="中国工商银行";
$loan_bank_card->show_card_no="2892";
$req->setLoanBankCard(json_encode($loan_bank_card));
$fund_supplier = new FundSupplier;
$fund_supplier->code="WMXT";
$fund_supplier->name="外贸信托";
$req->setFundSupplier(json_encode($fund_supplier));
$req->setRequestId("FI990100027037725030400000222189:TAOTIAN");
$req->setInstitutionLoanApplyNo("2025030400507004000664005141064A");
$req->setLoanApplyNo("FI990100027037725030400000222189");
$req->setLoanTime("2025-03-04 09:30:15");
$req->setCustomerId("1235xmkdgns");
$req->setFailReasonCode("XXXX");
$req->setFailReasonMessage("风控拒绝");
$resp = $c->execute($req);

curl -X POST 'http://gw.api.taobao.com/router/rest' \
-H 'Content-Type:application/x-www-form-urlencoded;charset=utf-8' \
-d 'app_key=12129701' \
-d 'format=json' \
-d 'method=alitrip.finance.zhixin.loan.notify' \
-d 'partner_id=apidoc' \
-d 'sign=BC18392A10D293FBCE552FBB91360082' \
-d 'sign_method=hmac' \
-d 'timestamp=2025-06-15+11%3A14%3A35' \
-d 'v=2.0' \
-d 'customer_id=1235xmkdgns' \
-d 'fail_reason_code=XXXX' \
-d 'fail_reason_message=%E9%A3%8E%E6%8E%A7%E6%8B%92%E7%BB%9D' \
-d 'fund_supplier=null' \
-d 'institution_loan_apply_no=2025030400507004000664005141064A' \
-d 'institution_loan_no=20250304003088206402006340363601' \
-d 'loan_amount=1234.00' \
-d 'loan_apply_no=FI990100027037725030400000222189' \
-d 'loan_bank_card=null' \
-d 'loan_status=SUCCESS' \
-d 'loan_time=2025-03-04+09%3A30%3A15' \
-d 'request_id=FI990100027037725030400000222189%3ATAOTIAN'

# -*- coding: utf-8 -*-
import top.api

req=top.api.AlitripFinanceZhixinLoanNotifyRequest(url,port)
req.set_app_info(top.appinfo(appkey,secret))

req.institution_loan_no="20250304003088206402006340363601"
req.loan_status="SUCCESS"
req.loan_amount="1234.00"
req.loan_bank_card="数据结构示例JSON格式"
req.fund_supplier="数据结构示例JSON格式"
req.request_id="FI990100027037725030400000222189:TAOTIAN"
req.institution_loan_apply_no="2025030400507004000664005141064A"
req.loan_apply_no="FI990100027037725030400000222189"
req.loan_time="2025-03-04 09:30:15"
req.customer_id="1235xmkdgns"
req.fail_reason_code="XXXX"
req.fail_reason_message="风控拒绝"
try:
	resp= req.getResponse()
	print(resp)
except Exception,e:
	print(e)

pTopRequest pRequest = alloc_top_request();
pTopResponse pResponse = NULL;
pTaobaoClient pClient = alloc_taobao_client(url, appkey, appsecret);
set_api_name(pRequest,"alitrip.finance.zhixin.loan.notify");
add_param(pRequest,"institution_loan_no","20250304003088206402006340363601");
add_param(pRequest,"loan_status","SUCCESS");
add_param(pRequest,"loan_amount","1234.00");
add_param(pRequest,"loan_bank_card","数据结构JSON示例");
add_param(pRequest,"fund_supplier","数据结构JSON示例");
add_param(pRequest,"request_id","FI990100027037725030400000222189:TAOTIAN");
add_param(pRequest,"institution_loan_apply_no","2025030400507004000664005141064A");
add_param(pRequest,"loan_apply_no","FI990100027037725030400000222189");
add_param(pRequest,"loan_time","2025-03-04 09:30:15");
add_param(pRequest,"customer_id","1235xmkdgns");
add_param(pRequest,"fail_reason_code","XXXX");
add_param(pRequest,"fail_reason_message","风控拒绝");
pResponse = top_execute(pClient,pRequest,NULL);
printf("ret code:%d\n",pResponse->code);
if(pResponse->code == 0){
	pTopResponseIterator ite = init_response_iterator(pResponse);
	pResultItem pResultItem = alloc_result_item();
	while(parseNext(ite, pResultItem) == 0){
		printf("%s:%s\n",pResultItem->key,pResultItem->value);
	}
	destroy_response_iterator(ite);
	destroy_result_item(pResultItem);
}
destroy_top_request(pRequest);
destroy_top_response(pResponse);
destroy_taobao_client(pClient);

TopClient = require('./topClient').TopClient;
var client = new TopClient({
	'appkey': 'appkey',
	'appsecret': 'secret',
	'REST_URL': 'http://gw.api.taobao.com/router/rest'
});

client.execute('alitrip.finance.zhixin.loan.notify', {
	'institution_loan_no':'20250304003088206402006340363601',
	'loan_status':'SUCCESS',
	'loan_amount':'1234.00',
	'loan_bank_card':'数据结构JSON示例',
	'fund_supplier':'数据结构JSON示例',
	'request_id':'FI990100027037725030400000222189:TAOTIAN',
	'institution_loan_apply_no':'2025030400507004000664005141064A',
	'loan_apply_no':'FI990100027037725030400000222189',
	'loan_time':'2025-03-04 09:30:15',
	'customer_id':'1235xmkdgns',
	'fail_reason_code':'XXXX',
	'fail_reason_message':'风控拒绝'
}, function(error, response) {
	if (!error) console.log(response);
	else console.log(error);
})

XML示例
JSON示例

<alitrip_finance_zhixin_loan_notify_response>
    <trace_id>2150433817410518168866371e13dd</trace_id>
    <result_code>SUCCESS</result_code>
    <result>true</result>
</alitrip_finance_zhixin_loan_notify_response>

{
    "alitrip_finance_zhixin_loan_notify_response":{
        "trace_id":"2150433817410518168866371e13dd",
        "result_code":"SUCCESS",
        "result":true
    }
}

XML示例
JSON示例

<error_response>
    <code>50</code>
    <msg>Remote service error</msg>
    <sub_code>isv.invalid-parameter</sub_code>
    <sub_msg>非法参数</sub_msg>
</error_response>

{
	"error_response":{
		"msg":"Remote service error",
		"code":50,
		"sub_msg":"非法参数",
		"sub_code":"isv.invalid-parameter"
	}
}

错误码	错误描述	解决方案

API测试工具错误码查询工具 SDK下载

开放平台

飞猪金融API

alitrip.finance.zhixin.loan.notify (智信异步放款通知)

公共参数

请求参数

响应参数

请求示例

响应示例

异常示例

错误码解释

API工具

如何获得此API

FAQ