---
id: "accounting-entry-posted"
name: "Accounting Entry Posted"
version: "1.0.0"
summary: "账本服务完成 append-only 会计分录入账，是清分、资产正式入账和财务核算的重要事实源。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

账本服务完成 append-only 会计分录入账，是清分、资产正式入账和财务核算的重要事实源。

## 生产者

- [[service|accounting-center]]：账本服务

## 消费者

- [[service|asset-center]]：资产管理
- [[service|settlement-center]]：结算中心
- [[service|compliance-system]]：合规系统
- [[service|financial-system]]：财务系统
- [[service|financial-accounting-system]]：财务核算

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/accounting-entry-posted/schema.json",
  "title": "Accounting Entry Posted",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "accounting-entry-posted"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "accounting-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "accounting-entry-reversed"
name: "Accounting Entry Reversed"
version: "1.0.0"
summary: "账本服务完成反向分录或冲正分录入账。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

账本服务完成反向分录或冲正分录入账。

## 生产者

- [[service|accounting-center]]：账本服务

## 消费者

- [[service|asset-center]]：资产管理
- [[service|settlement-center]]：结算中心
- [[service|financial-accounting-system]]：财务核算

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/accounting-entry-reversed/schema.json",
  "title": "Accounting Entry Reversed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "accounting-entry-reversed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "accounting-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "asset-due-list-queried"
name: "Asset Due List Queried"
version: "1.0.0"
summary: "资产管理返回用户应还列表，包含每笔资产的到期时间、应还金额、资产状态和可还场景。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资产管理返回用户应还列表，包含每笔资产的到期时间、应还金额、资产状态和可还场景。

## 生产者

- [[service|asset-center]]：资产管理

## 消费者

- [[service|bff-system]]：市场 BFF

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/asset-due-list-queried/schema.json",
  "title": "Asset Due List Queried",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "asset-due-list-queried"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "asset-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "asset-posting-applied"
name: "Asset Posting Applied"
version: "1.0.0"
summary: "资产管理根据账务确认结果正式更新还款计划、应还、已还、剩余应还和结清状态。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资产管理根据账务确认结果正式更新还款计划、应还、已还、剩余应还和结清状态。

## 生产者

- [[service|asset-center]]：资产管理

## 消费者

- [[service|repayment-engine]]：还款系统
- [[service|credit-limit-center]]：额度管理
- [[service|settlement-center]]：结算中心

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/asset-posting-applied/schema.json",
  "title": "Asset Posting Applied",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "asset-posting-applied"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "asset-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "benefit-fulfilled"
name: "Benefit Fulfilled"
version: "1.0.0"
summary: "权益商品履约完成。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

权益商品履约完成。

## 生产者

- [[service|benefit-trade-center]]：权益商品交易中心

## 消费者

- [[service|app]]：市场 APP
- [[service|outreach-system]]：触达系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/benefit-fulfilled/schema.json",
  "title": "Benefit Fulfilled",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "benefit-fulfilled"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "benefit-trade-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "benefit-order-created"
name: "Benefit Order Created"
version: "1.0.0"
summary: "权益商品订单创建完成。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

权益商品订单创建完成。

## 生产者

- [[service|benefit-trade-center]]：权益商品交易中心

## 消费者

- [[service|payment-system]]：支付系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/benefit-order-created/schema.json",
  "title": "Benefit Order Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "benefit-order-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "benefit-trade-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "benefit-payment-succeeded"
name: "Benefit Payment Succeeded"
version: "1.0.0"
summary: "权益商品支付成功。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

权益商品支付成功。

## 生产者

- [[service|benefit-trade-center]]：权益商品交易中心

## 消费者

- [[service|accounting-center]]：账本服务
- [[service|fund-management-system]]：资金账户管理
- [[service|settlement-center]]：结算中心

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/benefit-payment-succeeded/schema.json",
  "title": "Benefit Payment Succeeded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "benefit-payment-succeeded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "benefit-trade-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "benefit-refunded"
name: "Benefit Refunded"
version: "1.0.0"
summary: "权益商品退款完成。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

权益商品退款完成。

## 生产者

- [[service|benefit-trade-center]]：权益商品交易中心

## 消费者

- [[service|accounting-center]]：账本服务
- [[service|fund-management-system]]：资金账户管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/benefit-refunded/schema.json",
  "title": "Benefit Refunded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "benefit-refunded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "benefit-trade-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "campaign-published"
name: "Campaign Published"
version: "1.0.0"
summary: "活动中心发布活动配置。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

活动中心发布活动配置。

## 生产者

- [[service|campaign-center]]：活动中心

## 消费者

- [[service|marketing-center]]：运营平台

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/campaign-published/schema.json",
  "title": "Campaign Published",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "campaign-published"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "campaign-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "clearing-allocation-completed"
name: "Clearing Allocation Completed"
version: "1.0.0"
summary: "清分中心基于账务分录完成资金方、渠道、供应商或平台收益分摊。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

清分中心基于账务分录完成资金方、渠道、供应商或平台收益分摊。

## 生产者

- [[service|clearing-center]]：清分中心

## 消费者

- [[service|settlement-center]]：结算中心
- [[service|accounting-center]]：账本服务
- [[service|financial-accounting-system]]：财务核算

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/clearing-allocation-completed/schema.json",
  "title": "Clearing Allocation Completed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "clearing-allocation-completed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "clearing-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "collection-case-created"
name: "Collection Case Created"
version: "1.0.0"
summary: "催收系统创建逾期或贷后案件。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

催收系统创建逾期或贷后案件。

## 生产者

- [[service|collection-system]]：催收系统

## 消费者

- [[service|intelligent-application]]：智能应用
- [[service|work-order-center]]：工单中心

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/collection-case-created/schema.json",
  "title": "Collection Case Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "collection-case-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "collection-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "compliance-report-submitted"
name: "Compliance Report Submitted"
version: "1.0.0"
summary: "合规系统完成监管数据或合规报送。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

合规系统完成监管数据或合规报送。

## 生产者

- [[service|compliance-system]]：合规系统

## 消费者

- 暂无明确消费者

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/compliance-report-submitted/schema.json",
  "title": "Compliance Report Submitted",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "compliance-report-submitted"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "compliance-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "consent-granted"
name: "Consent Granted"
version: "1.0.0"
summary: "客户授权或隐私合规同意记录生效。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

客户授权或隐私合规同意记录生效。

## 生产者

- [[service|authorization-center]]：用户授权

## 消费者

- [[service|bff-system]]：市场 BFF
- [[service|compliance-system]]：合规系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/consent-granted/schema.json",
  "title": "Consent Granted",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "consent-granted"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "authorization-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "credit-line-approved"
name: "Credit Line Approved"
version: "1.0.0"
summary: "授信审批完成额度授予或调整。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

授信审批完成额度授予或调整。

## 生产者

- [[service|credit-center]]：授信审批

## 消费者

- [[service|bff-system]]：市场 BFF

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/credit-line-approved/schema.json",
  "title": "Credit Line Approved",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "credit-line-approved"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "credit-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "credit-line-frozen"
name: "Credit Line Frozen"
version: "1.0.0"
summary: "额度被额度管理冻结。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

额度被额度管理冻结。

## 生产者

- [[service|credit-limit-center]]：额度管理

## 消费者

- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/credit-line-frozen/schema.json",
  "title": "Credit Line Frozen",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "credit-line-frozen"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "credit-limit-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "credit-released"
name: "Credit Released"
version: "1.0.0"
summary: "还款或交易关闭后释放额度。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

还款或交易关闭后释放额度。

## 生产者

- [[service|credit-limit-center]]：额度管理

## 消费者

- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/credit-released/schema.json",
  "title": "Credit Released",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "credit-released"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "credit-limit-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "credit-reserved"
name: "Credit Reserved"
version: "1.0.0"
summary: "贷款申请占用额度成功。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

贷款申请占用额度成功。

## 生产者

- [[service|credit-limit-center]]：额度管理

## 消费者

- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/credit-reserved/schema.json",
  "title": "Credit Reserved",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "credit-reserved"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "credit-limit-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "customer-registered"
name: "Customer Registered"
version: "1.0.0"
summary: "客户主档创建完成。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

客户主档创建完成。

## 生产者

- [[service|customer-center]]：用户中心

## 消费者

- [[service|bff-system]]：市场 BFF
- [[service|marketing-center]]：运营平台

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/customer-registered/schema.json",
  "title": "Customer Registered",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "customer-registered"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "customer-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "disbursement-failed"
name: "Disbursement Failed"
version: "1.0.0"
summary: "放款失败，需要释放冻结、冲回在途或进入差错处理。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

放款失败，需要释放冻结、冲回在途或进入差错处理。

## 生产者

- [[service|loan-engine]]：放款系统

## 消费者

- [[service|app]]：市场 APP
- [[service|fund-management-system]]：资金账户管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/disbursement-failed/schema.json",
  "title": "Disbursement Failed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "disbursement-failed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "loan-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "disbursement-requested"
name: "Disbursement Requested"
version: "1.0.0"
summary: "资金预占后，放款系统向 PartnerHub 上的资方放款服务发起放款请求。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资金预占后，放款系统向 PartnerHub 上的资方放款服务发起放款请求。

## 生产者

- [[service|loan-engine]]：放款系统

## 消费者

- [[service|partner-hub]]：机构管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/disbursement-requested/schema.json",
  "title": "Disbursement Requested",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "disbursement-requested"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "loan-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "disbursement-reversed"
name: "Disbursement Reversed"
version: "1.0.0"
summary: "原放款事实需要冲正，已生成反向账务事件并触发资产冲回。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

原放款事实需要冲正，已生成反向账务事件并触发资产冲回。

## 生产者

- [[service|refund-reversal-service]]：退款冲正服务

## 消费者

- [[service|loan-engine]]：放款系统
- [[service|asset-center]]：资产管理
- [[service|accounting-center]]：账本服务
- [[service|fund-management-system]]：资金账户管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/disbursement-reversed/schema.json",
  "title": "Disbursement Reversed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "disbursement-reversed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "refund-reversal-service"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "disbursement-succeeded"
name: "Disbursement Succeeded"
version: "1.0.0"
summary: "账务记账、资产和还款计划生成成功后，放款系统修改放款状态并发出最终放款成功事件。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

账务记账、资产和还款计划生成成功后，放款系统修改放款状态并发出最终放款成功事件。

## 生产者

- [[service|loan-engine]]：放款系统

## 消费者

- [[service|app]]：市场 APP
- [[service|fund-management-system]]：资金账户管理
- [[service|credit-limit-center]]：额度管理
- [[service|outreach-system]]：触达系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/disbursement-succeeded/schema.json",
  "title": "Disbursement Succeeded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "disbursement-succeeded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "loan-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "due-diligence-completed"
name: "Due Diligence Completed"
version: "1.0.0"
summary: "尽调系统完成合作机构、资金方或供应商尽调。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

尽调系统完成合作机构、资金方或供应商尽调。

## 生产者

- [[service|due-diligence-system]]：尽调系统

## 消费者

- [[service|partner-hub]]：机构管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/due-diligence-completed/schema.json",
  "title": "Due Diligence Completed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "due-diligence-completed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "due-diligence-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "extension-order-created"
name: "Extension Order Created"
version: "1.0.0"
summary: "展期订单创建完成。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

展期订单创建完成。

## 生产者

- [[service|extension-engine]]：展期系统

## 消费者

- [[service|payment-system]]：支付系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/extension-order-created/schema.json",
  "title": "Extension Order Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "extension-order-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "extension-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "extension-succeeded"
name: "Extension Succeeded"
version: "1.0.0"
summary: "展期支付和业务处理成功。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

展期支付和业务处理成功。

## 生产者

- [[service|extension-engine]]：展期系统

## 消费者

- [[service|app]]：市场 APP
- [[service|asset-center]]：资产管理
- [[service|accounting-center]]：账本服务
- [[service|outreach-system]]：触达系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/extension-succeeded/schema.json",
  "title": "Extension Succeeded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "extension-succeeded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "extension-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "external-fund-transaction-recorded"
name: "External Fund Transaction Recorded"
version: "1.0.0"
summary: "系统外资金操作、银行流水或人工资金动作已和业务码/交易码绑定并登记资金流水。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

系统外资金操作、银行流水或人工资金动作已和业务码/交易码绑定并登记资金流水。

## 生产者

- [[service|fund-management-system]]：资金账户管理

## 消费者

- [[service|accounting-center]]：账本服务
- [[service|financial-system]]：财务系统
- [[service|accounting-reconciliation-service]]：对账服务

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/external-fund-transaction-recorded/schema.json",
  "title": "External Fund Transaction Recorded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "external-fund-transaction-recorded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "fund-management-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "external-repayment-notified"
name: "External Repayment Notified"
version: "1.0.0"
summary: "外部资方系统或 PSP 通知 PartnerHub 用户已通过 QR、VA、DeepLink 等方式完成还款入金。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

外部资方系统或 PSP 通知 PartnerHub 用户已通过 QR、VA、DeepLink 等方式完成还款入金。

## 生产者

- [[service|partner-hub]]：机构管理

## 消费者

- [[service|repayment-engine]]：还款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/external-repayment-notified/schema.json",
  "title": "External Repayment Notified",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "external-repayment-notified"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "partner-hub"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fund-arrival-confirmed"
name: "Fund Arrival Confirmed"
version: "1.0.0"
summary: "资金账户管理确认外部机构入金或融资到账，更新可用资金和资金成本基础数据。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资金账户管理确认外部机构入金或融资到账，更新可用资金和资金成本基础数据。

## 生产者

- [[service|fund-management-system]]：资金账户管理

## 消费者

- [[service|financial-system]]：财务系统
- [[service|accounting-center]]：账本服务

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/fund-arrival-confirmed/schema.json",
  "title": "Fund Arrival Confirmed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "fund-arrival-confirmed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "fund-management-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fund-operation-approved"
name: "Fund Operation Approved"
version: "1.0.0"
summary: "财务系统确认带业务码或交易码的系统外资金操作可执行。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

财务系统确认带业务码或交易码的系统外资金操作可执行。

## 生产者

- [[service|financial-system]]：财务系统

## 消费者

- [[service|fund-management-system]]：资金账户管理
- [[service|accounting-center]]：账本服务

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/fund-operation-approved/schema.json",
  "title": "Fund Operation Approved",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "fund-operation-approved"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "financial-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fund-operation-code-generated"
name: "Fund Operation Code Generated"
version: "1.0.0"
summary: "资金账户管理为系统外资金操作生成业务码或交易码，用于绑定 OA、财务、银行流水和业务单据。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资金账户管理为系统外资金操作生成业务码或交易码，用于绑定 OA、财务、银行流水和业务单据。

## 生产者

- [[service|fund-management-system]]：资金账户管理

## 消费者

- [[service|financial-system]]：财务系统
- [[service|accounting-center]]：账本服务

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/fund-operation-code-generated/schema.json",
  "title": "Fund Operation Code Generated",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "fund-operation-code-generated"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "fund-management-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fund-reservation-released"
name: "Fund Reservation Released"
version: "1.0.0"
summary: "资金账户管理释放冻结或冲回在途资金。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资金账户管理释放冻结或冲回在途资金。

## 生产者

- [[service|fund-management-system]]：资金账户管理

## 消费者

- [[service|loan-engine]]：放款系统
- [[service|refund-reversal-service]]：退款冲正服务

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/fund-reservation-released/schema.json",
  "title": "Fund Reservation Released",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "fund-reservation-released"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "fund-management-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fund-reservation-requested"
name: "Fund Reservation Requested"
version: "1.0.0"
summary: "放款系统请求资金账户管理进行资金可用校验和资金预占。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

放款系统请求资金账户管理进行资金可用校验和资金预占。

## 生产者

- [[service|loan-engine]]：放款系统

## 消费者

- [[service|fund-management-system]]：资金账户管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/fund-reservation-requested/schema.json",
  "title": "Fund Reservation Requested",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "fund-reservation-requested"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "loan-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fund-reserved"
name: "Fund Reserved"
version: "1.0.0"
summary: "资金账户管理完成资金预占，可用余额减少、冻结余额增加。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资金账户管理完成资金预占，可用余额减少、冻结余额增加。

## 生产者

- [[service|fund-management-system]]：资金账户管理

## 消费者

- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/fund-reserved/schema.json",
  "title": "Fund Reserved",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "fund-reserved"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "fund-management-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fund-route-selected"
name: "Fund Route Selected"
version: "1.0.0"
summary: "资金路由系统选择合适资金方或放款通道。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资金路由系统选择合适资金方或放款通道。

## 生产者

- [[service|fund-routing-system]]：资金路由系统

## 消费者

- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/fund-route-selected/schema.json",
  "title": "Fund Route Selected",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "fund-route-selected"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "fund-routing-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fund-transaction-recorded"
name: "Fund Transaction Recorded"
version: "1.0.0"
summary: "资金账户管理登记资金流水或资金管理账变化。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资金账户管理登记资金流水或资金管理账变化。

## 生产者

- [[service|fund-management-system]]：资金账户管理

## 消费者

- [[service|settlement-center]]：结算中心
- [[service|compliance-system]]：合规系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/fund-transaction-recorded/schema.json",
  "title": "Fund Transaction Recorded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "fund-transaction-recorded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "fund-management-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "funding-contract-signed"
name: "Funding Contract Signed"
version: "1.0.0"
summary: "机构管理登记资金方融资合同，明确合同金额、资金成本、保证金、手续费、税费和展期规则。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

机构管理登记资金方融资合同，明确合同金额、资金成本、保证金、手续费、税费和展期规则。

## 生产者

- [[service|partner-hub]]：机构管理

## 消费者

- [[service|fund-management-system]]：资金账户管理
- [[service|financial-system]]：财务系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/funding-contract-signed/schema.json",
  "title": "Funding Contract Signed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "funding-contract-signed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "partner-hub"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "goods-published"
name: "Goods Published"
version: "1.0.0"
summary: "权益商品或 SKU 上架并可被交易中心引用。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

权益商品或 SKU 上架并可被交易中心引用。

## 生产者

- [[service|benefit-goods-center]]：权益中心

## 消费者

- [[service|benefit-trade-center]]：权益商品交易中心

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/goods-published/schema.json",
  "title": "Goods Published",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "goods-published"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "benefit-goods-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "kyc-completed"
name: "KYC Completed"
version: "1.0.0"
summary: "客户 KYC、OCR、身份认证或活体检测流程完成。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

客户 KYC、OCR、身份认证或活体检测流程完成。

## 生产者

- [[service|customer-center]]：用户中心

## 消费者

- [[service|app]]：市场 APP

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/kyc-completed/schema.json",
  "title": "KYC Completed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "kyc-completed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "customer-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "ledger-event-accepted"
name: "Ledger Event Accepted"
version: "1.0.0"
summary: "账本服务接收并校验标准账本事件，进入 append-only 记账处理。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

账本服务接收并校验标准账本事件，进入 append-only 记账处理。

## 生产者

- [[service|accounting-center]]：账本服务

## 消费者

- [[service|accounting-entry-service]]：会计分录
- [[service|balance-management-service]]：余额管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/ledger-event-accepted/schema.json",
  "title": "Ledger Event Accepted",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "ledger-event-accepted"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "accounting-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "loan-application-approved"
name: "Loan Application Approved"
version: "1.0.0"
summary: "贷款申请审批通过并进入签约或放款准备。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

贷款申请审批通过并进入签约或放款准备。

## 生产者

- [[service|loan-engine]]：放款系统

## 消费者

- [[service|app]]：市场 APP
- [[service|outreach-system]]：触达系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/loan-application-approved/schema.json",
  "title": "Loan Application Approved",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "loan-application-approved"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "loan-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "loan-application-created"
name: "Loan Application Created"
version: "1.0.0"
summary: "贷款申请进入放款系统生命周期。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

贷款申请进入放款系统生命周期。

## 生产者

- [[service|loan-engine]]：放款系统

## 消费者

- [[service|decision-engine]]：决策引擎

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/loan-application-created/schema.json",
  "title": "Loan Application Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "loan-application-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "loan-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "loan-application-rejected"
name: "Loan Application Rejected"
version: "1.0.0"
summary: "贷款申请被风控或业务校验拒绝。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

贷款申请被风控或业务校验拒绝。

## 生产者

- [[service|loan-engine]]：放款系统

## 消费者

- [[service|app]]：市场 APP
- [[service|outreach-system]]：触达系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/loan-application-rejected/schema.json",
  "title": "Loan Application Rejected",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "loan-application-rejected"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "loan-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "loan-contract-created"
name: "Loan Contract Created"
version: "1.0.0"
summary: "资产管理创建合同。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资产管理创建合同。

## 生产者

- [[service|asset-center]]：资产管理

## 消费者

- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/loan-contract-created/schema.json",
  "title": "Loan Contract Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "loan-contract-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "asset-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "loan-note-created"
name: "Loan Note Created"
version: "1.0.0"
summary: "资产管理创建借据。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资产管理创建借据。

## 生产者

- [[service|asset-center]]：资产管理

## 消费者

- [[service|accounting-center]]：账本服务
- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/loan-note-created/schema.json",
  "title": "Loan Note Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "loan-note-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "asset-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "member-status-changed"
name: "Member Status Changed"
version: "1.0.0"
summary: "会员状态、等级或权益资格发生变化。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

会员状态、等级或权益资格发生变化。

## 生产者

- [[service|member-center]]：会员中心

## 消费者

- [[service|benefit-trade-center]]：权益商品交易中心
- [[service|bff-system]]：市场 BFF

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/member-status-changed/schema.json",
  "title": "Member Status Changed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "member-status-changed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "member-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "message-dispatched"
name: "Message Dispatched"
version: "1.0.0"
summary: "触达系统完成用户触达发送。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

触达系统完成用户触达发送。

## 生产者

- [[service|outreach-system]]：触达系统

## 消费者

- 暂无明确消费者

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/message-dispatched/schema.json",
  "title": "Message Dispatched",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "message-dispatched"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "outreach-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "partner-disbursement-succeeded"
name: "Partner Disbursement Succeeded"
version: "1.0.0"
summary: "PartnerHub 上的资方放款服务确认资方放款成功。若资方托管在我方支付系统，该结果来自支付出金成功回调。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

PartnerHub 上的资方放款服务确认资方放款成功。若资方托管在我方支付系统，该结果来自支付出金成功回调。

## 生产者

- [[service|partner-hub]]：机构管理

## 消费者

- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/partner-disbursement-succeeded/schema.json",
  "title": "Partner Disbursement Succeeded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "partner-disbursement-succeeded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "partner-hub"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "partner-integration-status-changed"
name: "Partner Integration Status Changed"
version: "1.0.0"
summary: "合作机构接口、路由或监控状态发生变化。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

合作机构接口、路由或监控状态发生变化。

## 生产者

- [[service|partner-hub]]：机构管理

## 消费者

- [[service|fund-management-system]]：资金账户管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/partner-integration-status-changed/schema.json",
  "title": "Partner Integration Status Changed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "partner-integration-status-changed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "partner-hub"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "partner-repayment-received"
name: "Partner Repayment Received"
version: "1.0.0"
summary: "PartnerHub 还款入账服务确认资方或 PSP 已通知还款入金结果，并通知还款系统继续账务处理。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

PartnerHub 还款入账服务确认资方或 PSP 已通知还款入金结果，并通知还款系统继续账务处理。

## 生产者

- [[service|partner-hub]]：机构管理

## 消费者

- [[service|repayment-engine]]：还款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/partner-repayment-received/schema.json",
  "title": "Partner Repayment Received",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "partner-repayment-received"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "partner-hub"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "partner-settlement-bill-created"
name: "Partner Settlement Bill Created"
version: "1.0.0"
summary: "结算中心生成资金方、保险公司、支付通道或供应商结算账单。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

结算中心生成资金方、保险公司、支付通道或供应商结算账单。

## 生产者

- [[service|settlement-center]]：结算中心

## 消费者

- [[service|partner-reconciliation-service]]：机构对账
- [[service|financial-system]]：财务系统
- [[service|supplier-settlement-system]]：供应商结算

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/partner-settlement-bill-created/schema.json",
  "title": "Partner Settlement Bill Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "partner-settlement-bill-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "settlement-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "payment-failed"
name: "Payment Failed"
version: "1.0.0"
summary: "支付系统返回支付失败。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

支付系统返回支付失败。

## 生产者

- [[service|payment-system]]：支付系统

## 消费者

- [[service|repayment-engine]]：还款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/payment-failed/schema.json",
  "title": "Payment Failed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "payment-failed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "payment-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "payment-succeeded"
name: "Payment Succeeded"
version: "1.0.0"
summary: "支付系统返回支付成功。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

支付系统返回支付成功。

## 生产者

- [[service|payment-system]]：支付系统

## 消费者

- [[service|partner-hub]]：机构管理
- [[service|repayment-engine]]：还款系统
- [[service|extension-engine]]：展期系统
- [[service|benefit-trade-center]]：权益商品交易中心

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/payment-succeeded/schema.json",
  "title": "Payment Succeeded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "payment-succeeded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "payment-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "product-funding-matched"
name: "Product Funding Matched"
version: "1.0.0"
summary: "信贷产品管理完成 C 端产品与资金产品、提现上限和资金状态的匹配校验。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

信贷产品管理完成 C 端产品与资金产品、提现上限和资金状态的匹配校验。

## 生产者

- [[service|financial-product-center]]：信贷产品管理

## 消费者

- [[service|fund-management-system]]：资金账户管理
- [[service|loan-engine]]：放款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/product-funding-matched/schema.json",
  "title": "Product Funding Matched",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "product-funding-matched"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "financial-product-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "product-offer-distributed"
name: "Product Offer Distributed"
version: "1.0.0"
summary: "产品分发服务基于风险结果、渠道、用户分层、资金状态输出用户可见产品。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

产品分发服务基于风险结果、渠道、用户分层、资金状态输出用户可见产品。

## 生产者

- [[service|financial-product-center]]：信贷产品管理

## 消费者

- [[service|bff-system]]：市场 BFF

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/product-offer-distributed/schema.json",
  "title": "Product Offer Distributed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "product-offer-distributed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "financial-product-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "product-version-published"
name: "Product Version Published"
version: "1.0.0"
summary: "信贷产品、期次、费用、还款规则、分账规则或资金匹配规则发布。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

信贷产品、期次、费用、还款规则、分账规则或资金匹配规则发布。

## 生产者

- [[service|financial-product-center]]：信贷产品管理

## 消费者

- [[service|fund-management-system]]：资金账户管理
- [[service|bff-system]]：市场 BFF
- [[service|asset-center]]：资产管理
- [[service|settlement-center]]：结算中心

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/product-version-published/schema.json",
  "title": "Product Version Published",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "product-version-published"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "financial-product-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "refund-succeeded"
name: "Refund Succeeded"
version: "1.0.0"
summary: "支付系统退款成功。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

支付系统退款成功。

## 生产者

- [[service|payment-system]]：支付系统

## 消费者

- [[service|benefit-trade-center]]：权益商品交易中心
- [[service|refund-reversal-service]]：退款冲正服务

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/refund-succeeded/schema.json",
  "title": "Refund Succeeded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "refund-succeeded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "payment-system"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "repayment-method-created"
name: "Repayment Method Created"
version: "1.0.0"
summary: "PartnerHub 资方还款服务返回用户可用还款方式，可能为外部资方系统或我方支付系统生成的 QR、VA、DeepLink 等。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

PartnerHub 资方还款服务返回用户可用还款方式，可能为外部资方系统或我方支付系统生成的 QR、VA、DeepLink 等。

## 生产者

- [[service|partner-hub]]：机构管理

## 消费者

- [[service|repayment-engine]]：还款系统
- [[service|bff-system]]：市场 BFF

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/repayment-method-created/schema.json",
  "title": "Repayment Method Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "repayment-method-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "partner-hub"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "repayment-order-created"
name: "Repayment Order Created"
version: "1.0.0"
summary: "还款订单创建完成。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

还款订单创建完成。

## 生产者

- [[service|repayment-engine]]：还款系统

## 消费者

- [[service|payment-system]]：支付系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/repayment-order-created/schema.json",
  "title": "Repayment Order Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "repayment-order-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "repayment-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "repayment-plan-calculated"
name: "Repayment Plan Calculated"
version: "1.0.0"
summary: "产品试算服务基于产品规则输出还款计划、罚息或提前结清试算结果。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

产品试算服务基于产品规则输出还款计划、罚息或提前结清试算结果。

## 生产者

- [[service|financial-product-center]]：信贷产品管理

## 消费者

- [[service|asset-center]]：资产管理
- [[service|repayment-engine]]：还款系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/repayment-plan-calculated/schema.json",
  "title": "Repayment Plan Calculated",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "repayment-plan-calculated"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "financial-product-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "repayment-posting-calculated"
name: "Repayment Posting Calculated"
version: "1.0.0"
summary: "资产管理或还款系统完成还款入账试算，输出本金、利息、费用、罚息、减免和优惠券分配。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资产管理或还款系统完成还款入账试算，输出本金、利息、费用、罚息、减免和优惠券分配。

## 生产者

- [[service|asset-center]]：资产管理

## 消费者

- [[service|repayment-engine]]：还款系统
- [[service|accounting-center]]：账本服务

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/repayment-posting-calculated/schema.json",
  "title": "Repayment Posting Calculated",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "repayment-posting-calculated"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "asset-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "repayment-refunded"
name: "Repayment Refunded"
version: "1.0.0"
summary: "还款退款成功，触发退款分录、资产重算和用户态退款完成。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

还款退款成功，触发退款分录、资产重算和用户态退款完成。

## 生产者

- [[service|refund-reversal-service]]：退款冲正服务

## 消费者

- [[service|app]]：市场 APP
- [[service|asset-center]]：资产管理
- [[service|accounting-center]]：账本服务
- [[service|fund-management-system]]：资金账户管理
- [[service|customer-service-system]]：客服系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/repayment-refunded/schema.json",
  "title": "Repayment Refunded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "repayment-refunded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "refund-reversal-service"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "repayment-route-selected"
name: "Repayment Route Selected"
version: "1.0.0"
summary: "还款系统根据资产、还款人、国家、资方、通道状态和路由规则选择具体资方或默认资方。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

还款系统根据资产、还款人、国家、资方、通道状态和路由规则选择具体资方或默认资方。

## 生产者

- [[service|repayment-engine]]：还款系统

## 消费者

- [[service|partner-hub]]：机构管理

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/repayment-route-selected/schema.json",
  "title": "Repayment Route Selected",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "repayment-route-selected"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "repayment-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "repayment-schedule-generated"
name: "Repayment Schedule Generated"
version: "1.0.0"
summary: "资产管理生成还款计划。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

资产管理生成还款计划。

## 生产者

- [[service|asset-center]]：资产管理

## 消费者

- [[service|loan-engine]]：放款系统
- [[service|repayment-engine]]：还款系统
- [[service|collection-system]]：催收系统

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/repayment-schedule-generated/schema.json",
  "title": "Repayment Schedule Generated",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "repayment-schedule-generated"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "asset-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "repayment-succeeded"
name: "Repayment Succeeded"
version: "1.0.0"
summary: "账务记账后，资产管理根据还款分录完成还款入账、冲抵本息费、更新借据状态并发出还款成功事实；可能为单期结清、整笔结清或部分还款。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

账务记账后，资产管理根据还款分录完成还款入账、冲抵本息费、更新借据状态并发出还款成功事实；可能为单期结清、整笔结清或部分还款。

## 生产者

- [[service|asset-center]]：资产管理

## 消费者

- [[service|app]]：市场 APP
- [[service|repayment-engine]]：还款系统
- [[service|fund-management-system]]：资金账户管理
- [[service|credit-limit-center]]：额度管理
- [[service|outreach-system]]：触达系统
- [[service|collection-system]]：催收系统
- [[service|marketing-center]]：运营平台

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/repayment-succeeded/schema.json",
  "title": "Repayment Succeeded",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "repayment-succeeded"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "asset-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "risk-decision-made"
name: "Risk Decision Made"
version: "1.0.0"
summary: "决策引擎输出 Approve、Reject 或 Review，也可承载产品分发策略返回的用户定价、可借期限和分发约束。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

决策引擎输出 Approve、Reject 或 Review，也可承载产品分发策略返回的用户定价、可借期限和分发约束。

## 生产者

- [[service|decision-engine]]：决策引擎

## 消费者

- [[service|credit-center]]：授信审批
- [[service|loan-engine]]：放款系统
- [[service|fund-management-system]]：资金账户管理
- [[service|product-distribution-service]]：产品分发服务

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/risk-decision-made/schema.json",
  "title": "Risk Decision Made",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "risk-decision-made"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "decision-engine"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "risk-strategy-published"
name: "Risk Strategy Published"
version: "1.0.0"
summary: "风控策略、规则集或实验版本发布。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

风控策略、规则集或实验版本发布。

## 生产者

- [[service|risk-strategy-center]]：策略管理

## 消费者

- [[service|decision-engine]]：决策引擎

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/risk-strategy-published/schema.json",
  "title": "Risk Strategy Published",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "risk-strategy-published"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "risk-strategy-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "settlement-calculation-completed"
name: "Settlement Calculation Completed"
version: "1.0.0"
summary: "产品试算服务基于产品规则和分账规则完成清分分账计算。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

产品试算服务基于产品规则和分账规则完成清分分账计算。

## 生产者

- [[service|financial-product-center]]：信贷产品管理

## 消费者

- [[service|settlement-center]]：结算中心

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/settlement-calculation-completed/schema.json",
  "title": "Settlement Calculation Completed",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "settlement-calculation-completed"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "financial-product-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "settlement-order-created"
name: "Settlement Order Created"
version: "1.0.0"
summary: "结算中心基于账务分录和产品分账规则生成结算单。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

结算中心基于账务分录和产品分账规则生成结算单。

## 生产者

- [[service|settlement-center]]：结算中心

## 消费者

- [[service|partner-hub]]：机构管理
- [[service|financial-system]]：财务系统
- [[service|supplier-settlement-system]]：供应商结算

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/settlement-order-created/schema.json",
  "title": "Settlement Order Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "settlement-order-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "settlement-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "work-order-created"
name: "Work Order Created"
version: "1.0.0"
summary: "工单中心创建客服、运营或差错处理工单。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "event"
    backgroundColor: "green"
    textColor: "green"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

工单中心创建客服、运营或差错处理工单。

## 生产者

- [[service|work-order-center]]：工单中心

## 消费者

- 暂无明确消费者

## 契约状态

当前 Schema 是面向治理的基础信封，业务字段需在真实事件设计时补充到 `data` 下。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/events/work-order-created/schema.json",
  "title": "Work Order Created",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "eventId",
    "eventType",
    "occurredAt",
    "source",
    "data"
  ],
  "properties": {
    "eventId": {
      "type": "string",
      "description": "全局唯一事件 ID。"
    },
    "eventType": {
      "const": "work-order-created"
    },
    "occurredAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "const": "work-order-center"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "allocate-repayment-clearing"
name: "Allocate Repayment Clearing"
version: "1.0.0"
summary: "请求清分中心基于账务分录执行还款、资金方、渠道和供应商清分。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求清分中心基于账务分录执行还款、资金方、渠道和供应商清分。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/allocate-repayment-clearing/schema.json",
  "title": "Allocate Repayment Clearing",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "allocate-repayment-clearing"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "approve-fund-operation"
name: "Approve Fund Operation"
version: "1.0.0"
summary: "请求财务系统审批带业务码或交易码的系统外资金操作。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求财务系统审批带业务码或交易码的系统外资金操作。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/approve-fund-operation/schema.json",
  "title": "Approve Fund Operation",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "approve-fund-operation"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "calculate-early-settlement"
name: "Calculate Early Settlement"
version: "1.0.0"
summary: "请求产品试算服务按提前结清场景计算剩余本息、费用、减免和额外收费。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求产品试算服务按提前结清场景计算剩余本息、费用、减免和额外收费。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/calculate-early-settlement/schema.json",
  "title": "Calculate Early Settlement",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "calculate-early-settlement"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "calculate-loan-cancel-repayment"
name: "Calculate Loan Cancel Repayment"
version: "1.0.0"
summary: "请求产品试算服务按取消借款场景计算应还本息、已还本息费和额外收费。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求产品试算服务按取消借款场景计算应还本息、已还本息费和额外收费。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/calculate-loan-cancel-repayment/schema.json",
  "title": "Calculate Loan Cancel Repayment",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "calculate-loan-cancel-repayment"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "calculate-repayment-plan"
name: "Calculate Repayment Plan"
version: "1.0.0"
summary: "请求产品试算服务基于产品规则生成还款计划、罚息或提前结清试算。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求产品试算服务基于产品规则生成还款计划、罚息或提前结清试算。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/calculate-repayment-plan/schema.json",
  "title": "Calculate Repayment Plan",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "calculate-repayment-plan"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "calculate-repayment-posting"
name: "Calculate Repayment Posting"
version: "1.0.0"
summary: "请求还款试算服务或还款系统进行还款入账试算。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求还款试算服务或还款系统进行还款入账试算。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/calculate-repayment-posting/schema.json",
  "title": "Calculate Repayment Posting",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "calculate-repayment-posting"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "calculate-settlement-split"
name: "Calculate Settlement Split"
version: "1.0.0"
summary: "请求产品试算服务基于产品规则和分账规则计算清分结果。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求产品试算服务基于产品规则和分账规则计算清分结果。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/calculate-settlement-split/schema.json",
  "title": "Calculate Settlement Split",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "calculate-settlement-split"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "confirm-fund-arrival"
name: "Confirm Fund Arrival"
version: "1.0.0"
summary: "确认融资入金或外部机构入金到账。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

确认融资入金或外部机构入金到账。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/confirm-fund-arrival/schema.json",
  "title": "Confirm Fund Arrival",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "confirm-fund-arrival"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "create-benefit-order"
name: "Create Benefit Order"
version: "1.0.0"
summary: "创建权益商品交易订单。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

创建权益商品交易订单。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/create-benefit-order/schema.json",
  "title": "Create Benefit Order",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "create-benefit-order"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "create-extension-order"
name: "Create Extension Order"
version: "1.0.0"
summary: "创建展期订单。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

创建展期订单。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/create-extension-order/schema.json",
  "title": "Create Extension Order",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "create-extension-order"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "create-loan-contract"
name: "Create Loan Contract"
version: "1.0.0"
summary: "请求资产管理创建合同、借据和还款计划。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求资产管理创建合同、借据和还款计划。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/create-loan-contract/schema.json",
  "title": "Create Loan Contract",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "create-loan-contract"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "create-partner-settlement-bill"
name: "Create Partner Settlement Bill"
version: "1.0.0"
summary: "请求结算中心生成资金方、保险公司、支付通道或供应商结算账单。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求结算中心生成资金方、保险公司、支付通道或供应商结算账单。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/create-partner-settlement-bill/schema.json",
  "title": "Create Partner Settlement Bill",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "create-partner-settlement-bill"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "create-repayment-method"
name: "Create Repayment Method"
version: "1.0.0"
summary: "请求支付系统创建入金申请并返回 QR、VA、DeepLink 等还款方式。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求支付系统创建入金申请并返回 QR、VA、DeepLink 等还款方式。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/create-repayment-method/schema.json",
  "title": "Create Repayment Method",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "create-repayment-method"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "create-repayment-order"
name: "Create Repayment Order"
version: "1.0.0"
summary: "创建还款订单。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

创建还款订单。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/create-repayment-order/schema.json",
  "title": "Create Repayment Order",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "create-repayment-order"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "create-repayment-refund"
name: "Create Repayment Refund"
version: "1.0.0"
summary: "请求退款冲正服务创建还款退款申请。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求退款冲正服务创建还款退款申请。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/create-repayment-refund/schema.json",
  "title": "Create Repayment Refund",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "create-repayment-refund"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "execute-risk-review"
name: "Execute Risk Review"
version: "1.0.0"
summary: "请求风控域执行反欺诈、特征、模型和策略决策。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求风控域执行反欺诈、特征、模型和策略决策。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/execute-risk-review/schema.json",
  "title": "Execute Risk Review",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "execute-risk-review"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "fulfill-benefit-order"
name: "Fulfill Benefit Order"
version: "1.0.0"
summary: "请求权益方或平台履约能力完成权益交付。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求权益方或平台履约能力完成权益交付。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/fulfill-benefit-order/schema.json",
  "title": "Fulfill Benefit Order",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "fulfill-benefit-order"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "generate-fund-operation-code"
name: "Generate Fund Operation Code"
version: "1.0.0"
summary: "请求资金账户管理生成系统外资金操作的业务码或交易码。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求资金账户管理生成系统外资金操作的业务码或交易码。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/generate-fund-operation-code/schema.json",
  "title": "Generate Fund Operation Code",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "generate-fund-operation-code"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "initiate-payment"
name: "Initiate Payment"
version: "1.0.0"
summary: "发起现金、代扣、代付或退款支付动作。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

发起现金、代扣、代付或退款支付动作。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/initiate-payment/schema.json",
  "title": "Initiate Payment",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "initiate-payment"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "initiate-refund"
name: "Initiate Refund"
version: "1.0.0"
summary: "发起退款支付动作。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

发起退款支付动作。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/initiate-refund/schema.json",
  "title": "Initiate Refund",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "initiate-refund"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "post-accounting-entry"
name: "Post Accounting Entry"
version: "1.0.0"
summary: "请求账务中心按场景入账。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求账务中心按场景入账。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/post-accounting-entry/schema.json",
  "title": "Post Accounting Entry",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "post-accounting-entry"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "post-ledger-event"
name: "Post Ledger Event"
version: "1.0.0"
summary: "向账本服务提交标准账本事件并生成分录。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

向账本服务提交标准账本事件并生成分录。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/post-ledger-event/schema.json",
  "title": "Post Ledger Event",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "post-ledger-event"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "query-asset-due-list"
name: "Query Asset Due List"
version: "1.0.0"
summary: "请求资产管理查询用户应还列表，返回每笔资产到期时间、应还金额和可还场景。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求资产管理查询用户应还列表，返回每笔资产到期时间、应还金额和可还场景。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/query-asset-due-list/schema.json",
  "title": "Query Asset Due List",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "query-asset-due-list"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "query-product-offer"
name: "Query Product Offer"
version: "1.0.0"
summary: "请求产品分发服务基于用户、渠道、风险结果和资金状态返回可见产品。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求产品分发服务基于用户、渠道、风险结果和资金状态返回可见产品。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/query-product-offer/schema.json",
  "title": "Query Product Offer",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "query-product-offer"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "record-external-fund-transaction"
name: "Record External Fund Transaction"
version: "1.0.0"
summary: "请求资金账户管理登记系统外资金操作、银行流水或人工资金动作。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求资金账户管理登记系统外资金操作、银行流水或人工资金动作。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/record-external-fund-transaction/schema.json",
  "title": "Record External Fund Transaction",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "record-external-fund-transaction"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "register-funding-contract"
name: "Register Funding Contract"
version: "1.0.0"
summary: "登记资金方融资合同、保证金、手续费、税费、展期和终止规则。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

登记资金方融资合同、保证金、手续费、税费、展期和终止规则。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/register-funding-contract/schema.json",
  "title": "Register Funding Contract",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "register-funding-contract"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "release-fund-reservation"
name: "Release Fund Reservation"
version: "1.0.0"
summary: "请求资金账户管理释放冻结资金或冲回在途资金。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求资金账户管理释放冻结资金或冲回在途资金。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/release-fund-reservation/schema.json",
  "title": "Release Fund Reservation",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "release-fund-reservation"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "request-disbursement"
name: "Request Disbursement"
version: "1.0.0"
summary: "请求支付系统或外部机构执行放款。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求支付系统或外部机构执行放款。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/request-disbursement/schema.json",
  "title": "Request Disbursement",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "request-disbursement"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "request-partner-repayment"
name: "Request Partner Repayment"
version: "1.0.0"
summary: "请求 PartnerHub 的资方还款服务生成还款方式或进入资方收款流程。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求 PartnerHub 的资方还款服务生成还款方式或进入资方收款流程。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/request-partner-repayment/schema.json",
  "title": "Request Partner Repayment",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "request-partner-repayment"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "reserve-credit-line"
name: "Reserve Credit Line"
version: "1.0.0"
summary: "请求额度管理为贷款申请占用额度。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求额度管理为贷款申请占用额度。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/reserve-credit-line/schema.json",
  "title": "Reserve Credit Line",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "reserve-credit-line"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "reserve-funds"
name: "Reserve Funds"
version: "1.0.0"
summary: "请求资金账户管理进行可用资金校验和资金预占。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求资金账户管理进行可用资金校验和资金预占。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/reserve-funds/schema.json",
  "title": "Reserve Funds",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "reserve-funds"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "reverse-disbursement"
name: "Reverse Disbursement"
version: "1.0.0"
summary: "请求退款冲正服务对原放款进行冲正。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求退款冲正服务对原放款进行冲正。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/reverse-disbursement/schema.json",
  "title": "Reverse Disbursement",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "reverse-disbursement"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "route-funds"
name: "Route Funds"
version: "1.0.0"
summary: "请求资金路由系统选择可用资方或放款通道。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求资金路由系统选择可用资方或放款通道。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/route-funds/schema.json",
  "title": "Route Funds",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "route-funds"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "send-notification"
name: "Send Notification"
version: "1.0.0"
summary: "请求触达系统通过合适渠道触达用户。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

请求触达系统通过合适渠道触达用户。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/send-notification/schema.json",
  "title": "Send Notification",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "send-notification"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "submit-loan-application"
name: "Submit Loan Application"
version: "1.0.0"
summary: "提交贷款申请并进入放款系统生命周期。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

提交贷款申请并进入放款系统生命周期。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/submit-loan-application/schema.json",
  "title": "Submit Loan Application",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "submit-loan-application"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "sync-partner-institution"
name: "Sync Partner Institution"
version: "1.0.0"
summary: "同步外部合作机构资料、产品、协议或接口状态。"
owners:
  - "architecture-governance"
schemaPath: "schema.json"
badges:
  - content: "command"
    backgroundColor: "blue"
    textColor: "blue"
  - content: "inferred-from-architecture"
    backgroundColor: "yellow"
    textColor: "yellow"
---

## 说明

同步外部合作机构资料、产品、协议或接口状态。

## 使用建议

命令表示调用方希望目标系统执行的动作。落地时需要补充命令发起方、处理方、幂等键、错误码和补偿策略。


 ## Raw Schema:schema.json

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://reference-credit-platform.example/commands/sync-partner-institution/schema.json",
  "title": "Sync Partner Institution",
  "type": "object",
  "additionalProperties": true,
  "required": [
    "commandId",
    "commandType",
    "requestedAt",
    "source",
    "data"
  ],
  "properties": {
    "commandId": {
      "type": "string",
      "description": "全局唯一命令 ID，用于幂等和追踪。"
    },
    "commandType": {
      "const": "sync-partner-institution"
    },
    "requestedAt": {
      "type": "string",
      "format": "date-time"
    },
    "source": {
      "type": "string",
      "description": "命令发起系统。"
    },
    "target": {
      "type": "string",
      "description": "命令处理系统。"
    },
    "idempotencyKey": {
      "type": "string"
    },
    "traceId": {
      "type": "string"
    },
    "data": {
      "type": "object",
      "additionalProperties": true,
      "description": "业务请求负载。当前为从架构设计推导的初始契约，需按实际集成补充字段。"
    }
  }
}

---
id: "abf-service"
name: "ABF服务"
version: "1.0.0"
summary: "管理资产支持融资相关的资产包、债转、质押和资金方资产视图。"
owners:
  - "architecture-governance"
domain:
  id: "asset"
  version: "1.0.0"
sends: []
receives:
  - id: "loan-note-created"
    version: "1.0.0"
  - id: "asset-posting-applied"
    version: "1.0.0"
flows: []
badges:
  - content: "资产域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理资产支持融资相关的资产包、债转、质押和资金方资产视图。

## 核心实体

- `AssetPool`
- `TransferRecord`
- `PledgeRecord`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "accounting-center"
name: "账本服务"
version: "1.0.0"
summary: "接收标准账本事件，生成 append-only 复式分录、余额、冲正、调整和审计记录。账务事实先于资产正式入账和用户态状态确认。"
owners:
  - "architecture-governance"
domain:
  id: "accounting"
  version: "1.0.0"
sends:
  - id: "ledger-event-accepted"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "accounting-entry-reversed"
    version: "1.0.0"
receives:
  - id: "post-accounting-entry"
    version: "1.0.0"
  - id: "post-ledger-event"
    version: "1.0.0"
  - id: "disbursement-succeeded"
    version: "1.0.0"
  - id: "disbursement-reversed"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
  - id: "repayment-refunded"
    version: "1.0.0"
  - id: "extension-succeeded"
    version: "1.0.0"
  - id: "benefit-payment-succeeded"
    version: "1.0.0"
  - id: "benefit-refunded"
    version: "1.0.0"
  - id: "external-fund-transaction-recorded"
    version: "1.0.0"
  - id: "clearing-allocation-completed"
    version: "1.0.0"
flows:
  - id: "loan-application-disbursement"
    version: "1.0.0"
  - id: "repayment"
    version: "1.0.0"
  - id: "refund-and-reversal-lifecycle"
    version: "1.0.0"
  - id: "extension"
    version: "1.0.0"
  - id: "business-fund-management"
    version: "1.0.0"
badges:
  - content: "账务域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

接收标准账本事件，生成 append-only 复式分录、余额、冲正、调整和审计记录。账务事实先于资产正式入账和用户态状态确认。

## 核心实体

- `Ledger`
- `LedgerAccount`
- `Journal`
- `AccountingEvent`
- `AccountingEntry`
- `BalanceSnapshot`
- `ReversalEntry`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "accounting-entry-service"
name: "会计分录"
version: "1.0.0"
summary: "管理会计分录模板、分录生成、反向分录和分录审计。"
owners:
  - "architecture-governance"
domain:
  id: "accounting"
  version: "1.0.0"
sends: []
receives:
  - id: "post-accounting-entry"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
flows: []
badges:
  - content: "账务域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理会计分录模板、分录生成、反向分录和分录审计。

## 核心实体

- `AccountingEntry`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "accounting-reconciliation-service"
name: "对账服务"
version: "1.0.0"
summary: "基于账务、资金和支付事实进行账账、账实、账证对账。"
owners:
  - "architecture-governance"
domain:
  id: "accounting"
  version: "1.0.0"
sends: []
receives:
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "fund-transaction-recorded"
    version: "1.0.0"
flows: []
badges:
  - content: "账务域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

基于账务、资金和支付事实进行账账、账实、账证对账。

## 核心实体

- `ReconciliationResult`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "app"
name: "市场 APP"
version: "1.0.0"
summary: "多个市场各自 APP / H5 前台入口，承载注册、授信、借款、还款、展期、权益购买和用户体验。"
owners:
  - "architecture-governance"
domain:
  id: "business-frontend"
  version: "1.0.0"
sends:
  - id: "submit-loan-application"
    version: "1.0.0"
  - id: "create-repayment-order"
    version: "1.0.0"
  - id: "create-extension-order"
    version: "1.0.0"
  - id: "create-benefit-order"
    version: "1.0.0"
receives:
  - id: "kyc-completed"
    version: "1.0.0"
  - id: "loan-application-approved"
    version: "1.0.0"
  - id: "loan-application-rejected"
    version: "1.0.0"
  - id: "disbursement-succeeded"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
  - id: "repayment-refunded"
    version: "1.0.0"
  - id: "extension-succeeded"
    version: "1.0.0"
  - id: "benefit-fulfilled"
    version: "1.0.0"
flows: []
badges:
  - content: "业务前台域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

多个市场各自 APP / H5 前台入口，承载注册、授信、借款、还款、展期、权益购买和用户体验。

## 核心实体

该系统在参考架构中未声明专属核心实体。

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "asset-center"
name: "资产管理"
version: "1.0.0"
summary: "管理资产、借据、应还查询、还款计划、还款试算、还款入账结果、逾期和结清。"
owners:
  - "architecture-governance"
domain:
  id: "asset"
  version: "1.0.0"
sends:
  - id: "loan-note-created"
    version: "1.0.0"
  - id: "repayment-schedule-generated"
    version: "1.0.0"
  - id: "asset-due-list-queried"
    version: "1.0.0"
  - id: "repayment-posting-calculated"
    version: "1.0.0"
  - id: "asset-posting-applied"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
receives:
  - id: "create-loan-contract"
    version: "1.0.0"
  - id: "query-asset-due-list"
    version: "1.0.0"
  - id: "calculate-repayment-posting"
    version: "1.0.0"
  - id: "repayment-plan-calculated"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "disbursement-succeeded"
    version: "1.0.0"
  - id: "repayment-refunded"
    version: "1.0.0"
  - id: "disbursement-reversed"
    version: "1.0.0"
  - id: "extension-succeeded"
    version: "1.0.0"
flows:
  - id: "loan-application-disbursement"
    version: "1.0.0"
  - id: "repayment-plan-generation"
    version: "1.0.0"
  - id: "repayment"
    version: "1.0.0"
  - id: "refund-and-reversal-lifecycle"
    version: "1.0.0"
  - id: "extension"
    version: "1.0.0"
  - id: "overdue-post-loan-operations"
    version: "1.0.0"
  - id: "risk-strategy-closed-loop"
    version: "1.0.0"
badges:
  - content: "资产域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理资产、借据、应还查询、还款计划、还款试算、还款入账结果、逾期和结清。

## 核心实体

- `Asset`
- `LoanNote`
- `RepaymentSchedule`
- `Installment`
- `RepaymentPosting`
- `AssetStatus`
- `WriteOffRecord`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "authorization-center"
name: "用户授权"
version: "1.0.0"
summary: "统一管理征信、GPS、通讯录、隐私和营销授权。"
owners:
  - "architecture-governance"
domain:
  id: "customer"
  version: "1.0.0"
sends:
  - id: "consent-granted"
    version: "1.0.0"
receives: []
flows:
  - id: "customer-onboarding"
    version: "1.0.0"
badges:
  - content: "客户域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一管理征信、GPS、通讯录、隐私和营销授权。

## 核心实体

- `Consent`
- `Authorization`
- `PrivacyAgreement`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "balance-management-service"
name: "余额管理"
version: "1.0.0"
summary: "管理账本账户余额、快照、冻结和余额校验。"
owners:
  - "architecture-governance"
domain:
  id: "accounting"
  version: "1.0.0"
sends: []
receives:
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "accounting-entry-reversed"
    version: "1.0.0"
flows: []
badges:
  - content: "账务域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理账本账户余额、快照、冻结和余额校验。

## 核心实体

- `BalanceSnapshot`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "benefit-goods-center"
name: "权益中心"
version: "1.0.0"
summary: "负责权益定义、配置、库存、规则、履约和上下架。"
owners:
  - "architecture-governance"
domain:
  id: "operations"
  version: "1.0.0"
sends:
  - id: "goods-published"
    version: "1.0.0"
receives:
  - id: "create-benefit-order"
    version: "1.0.0"
flows:
  - id: "marketing-operations"
    version: "1.0.0"
badges:
  - content: "营销运营域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

负责权益定义、配置、库存、规则、履约和上下架。

## 核心实体

- `Goods`
- `SKU`
- `Benefit`
- `Inventory`
- `FulfillmentRule`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "benefit-trade-center"
name: "权益商品交易中心"
version: "1.0.0"
summary: "管理权益订单、支付、履约、退款和售后状态。"
owners:
  - "architecture-governance"
domain:
  id: "transaction"
  version: "1.0.0"
sends:
  - id: "benefit-order-created"
    version: "1.0.0"
  - id: "benefit-payment-succeeded"
    version: "1.0.0"
  - id: "benefit-fulfilled"
    version: "1.0.0"
  - id: "benefit-refunded"
    version: "1.0.0"
receives:
  - id: "create-benefit-order"
    version: "1.0.0"
  - id: "payment-succeeded"
    version: "1.0.0"
  - id: "fulfill-benefit-order"
    version: "1.0.0"
flows:
  - id: "marketing-operations"
    version: "1.0.0"
badges:
  - content: "交易域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理权益订单、支付、履约、退款和售后状态。

## 核心实体

- `BenefitOrder`
- `BenefitPayment`
- `BenefitRefund`
- `BenefitFulfillment`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "bff-system"
name: "市场 BFF"
version: "1.0.0"
summary: "业务前台轻量层，负责页面聚合、登录态解析、多端适配和市场差异化；不承载核心交易、资金、账务、风控规则。"
owners:
  - "architecture-governance"
domain:
  id: "business-frontend"
  version: "1.0.0"
sends:
  - id: "submit-loan-application"
    version: "1.0.0"
  - id: "create-repayment-order"
    version: "1.0.0"
  - id: "create-extension-order"
    version: "1.0.0"
  - id: "create-benefit-order"
    version: "1.0.0"
  - id: "query-product-offer"
    version: "1.0.0"
  - id: "query-asset-due-list"
    version: "1.0.0"
  - id: "calculate-repayment-posting"
    version: "1.0.0"
receives:
  - id: "product-offer-distributed"
    version: "1.0.0"
  - id: "customer-registered"
    version: "1.0.0"
  - id: "consent-granted"
    version: "1.0.0"
  - id: "risk-decision-made"
    version: "1.0.0"
  - id: "credit-line-approved"
    version: "1.0.0"
  - id: "asset-due-list-queried"
    version: "1.0.0"
  - id: "repayment-posting-calculated"
    version: "1.0.0"
  - id: "repayment-method-created"
    version: "1.0.0"
flows:
  - id: "customer-onboarding"
    version: "1.0.0"
  - id: "product-distribution"
    version: "1.0.0"
  - id: "credit-approval"
    version: "1.0.0"
  - id: "repayment"
    version: "1.0.0"
  - id: "marketing-operations"
    version: "1.0.0"
badges:
  - content: "业务前台域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

业务前台轻量层，负责页面聚合、登录态解析、多端适配和市场差异化；不承载核心交易、资金、账务、风控规则。

## 核心实体

- `FrontendViewModel`
- `CountryAdapter`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "campaign-center"
name: "活动中心"
version: "1.0.0"
summary: "管理活动配置、活动资格、活动预算和活动效果。"
owners:
  - "architecture-governance"
domain:
  id: "operations"
  version: "1.0.0"
sends:
  - id: "campaign-published"
    version: "1.0.0"
receives: []
flows:
  - id: "marketing-operations"
    version: "1.0.0"
badges:
  - content: "营销运营域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理活动配置、活动资格、活动预算和活动效果。

## 核心实体

- `Campaign`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "clearing-center"
name: "清分中心"
version: "1.0.0"
summary: "基于账务分录和产品分账规则执行清分、分账和挂账。"
owners:
  - "architecture-governance"
domain:
  id: "funds"
  version: "1.0.0"
sends:
  - id: "clearing-allocation-completed"
    version: "1.0.0"
receives:
  - id: "allocate-repayment-clearing"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "settlement-calculation-completed"
    version: "1.0.0"
  - id: "fund-transaction-recorded"
    version: "1.0.0"
  - id: "benefit-payment-succeeded"
    version: "1.0.0"
flows:
  - id: "clearing-settlement-reconciliation"
    version: "1.0.0"
badges:
  - content: "资金域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

基于账务分录和产品分账规则执行清分、分账和挂账。

## 核心实体

- `ClearingBatch`
- `SettlementSplit`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "collection-system"
name: "催收系统"
version: "1.0.0"
summary: "管理催收策略、任务、承诺还款、还款提醒和委外催收。"
owners:
  - "architecture-governance"
domain:
  id: "post-loan-operations"
  version: "1.0.0"
sends: []
receives:
  - id: "collection-case-created"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
flows:
  - id: "overdue-post-loan-operations"
    version: "1.0.0"
badges:
  - content: "贷后作业域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理催收策略、任务、承诺还款、还款提醒和委外催收。

## 核心实体

该系统在参考架构中未声明专属核心实体。

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "compliance-system"
name: "合规系统"
version: "1.0.0"
summary: "管理合规规则、审计日志、客户投诉、数据合规和隐私合规。"
owners:
  - "architecture-governance"
domain:
  id: "compliance"
  version: "1.0.0"
sends:
  - id: "compliance-report-submitted"
    version: "1.0.0"
receives:
  - id: "consent-granted"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "fund-transaction-recorded"
    version: "1.0.0"
flows: []
badges:
  - content: "合规域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理合规规则、审计日志、客户投诉、数据合规和隐私合规。

## 核心实体

- `ComplianceReport`
- `AuditLog`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "contract-template-service"
name: "合同模板"
version: "1.0.0"
summary: "统一管理合同模板、国家适配、变量规则和合同渲染配置。"
owners:
  - "architecture-governance"
domain:
  id: "product"
  version: "1.0.0"
sends: []
receives: []
flows: []
badges:
  - content: "产品域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一管理合同模板、国家适配、变量规则和合同渲染配置。

## 核心实体

- `ContractTemplate`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "credit-center"
name: "授信审批"
version: "1.0.0"
summary: "管理授信申请、授信结果、授信策略、客户授信生命周期和额度准入。"
owners:
  - "architecture-governance"
domain:
  id: "credit"
  version: "1.0.0"
sends:
  - id: "credit-line-approved"
    version: "1.0.0"
receives:
  - id: "risk-decision-made"
    version: "1.0.0"
flows:
  - id: "credit-approval"
    version: "1.0.0"
  - id: "risk-strategy-closed-loop"
    version: "1.0.0"
badges:
  - content: "授信域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理授信申请、授信结果、授信策略、客户授信生命周期和额度准入。

## 核心实体

- `CreditApplication`
- `CreditPolicy`
- `CreditDecision`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "credit-limit-center"
name: "额度管理"
version: "1.0.0"
summary: "管理额度账户、额度线、额度冻结、占用、释放和还款后的额度恢复。"
owners:
  - "architecture-governance"
domain:
  id: "credit"
  version: "1.0.0"
sends:
  - id: "credit-line-frozen"
    version: "1.0.0"
  - id: "credit-reserved"
    version: "1.0.0"
  - id: "credit-released"
    version: "1.0.0"
receives:
  - id: "reserve-credit-line"
    version: "1.0.0"
  - id: "disbursement-succeeded"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
flows:
  - id: "credit-approval"
    version: "1.0.0"
badges:
  - content: "授信域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理额度账户、额度线、额度冻结、占用、释放和还款后的额度恢复。

## 核心实体

- `CreditAccount`
- `CreditLine`
- `CreditTransaction`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "customer-center"
name: "用户中心"
version: "1.0.0"
summary: "统一管理用户身份、实名信息、联系方式、工作信息、地址、紧急联系人和生命周期。"
owners:
  - "architecture-governance"
domain:
  id: "customer"
  version: "1.0.0"
sends:
  - id: "customer-registered"
    version: "1.0.0"
  - id: "kyc-completed"
    version: "1.0.0"
receives: []
flows:
  - id: "customer-onboarding"
    version: "1.0.0"
badges:
  - content: "客户域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一管理用户身份、实名信息、联系方式、工作信息、地址、紧急联系人和生命周期。

## 核心实体

- `Customer`
- `Identity`
- `Contact`
- `Employment`
- `Address`
- `EmergencyContact`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "customer-master"
name: "客户主档"
version: "1.0.0"
summary: "沉淀跨市场、跨渠道的客户基础档案。"
owners:
  - "architecture-governance"
domain:
  id: "customer"
  version: "1.0.0"
sends: []
receives:
  - id: "customer-registered"
    version: "1.0.0"
  - id: "kyc-completed"
    version: "1.0.0"
flows:
  - id: "customer-onboarding"
    version: "1.0.0"
badges:
  - content: "客户域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

沉淀跨市场、跨渠道的客户基础档案。

## 核心实体

- `CustomerMaster`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "customer-profile"
name: "客户画像"
version: "1.0.0"
summary: "沉淀客户标签、分层、生命周期和经营画像。"
owners:
  - "architecture-governance"
domain:
  id: "customer"
  version: "1.0.0"
sends: []
receives:
  - id: "customer-registered"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
flows: []
badges:
  - content: "客户域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

沉淀客户标签、分层、生命周期和经营画像。

## 核心实体

- `CustomerProfile`
- `CustomerTag`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "customer-service-system"
name: "客服系统"
version: "1.0.0"
summary: "管理客户咨询、投诉、还款退款和异常处理入口。"
owners:
  - "architecture-governance"
domain:
  id: "post-loan-operations"
  version: "1.0.0"
sends:
  - id: "create-repayment-refund"
    version: "1.0.0"
receives:
  - id: "repayment-refunded"
    version: "1.0.0"
flows:
  - id: "overdue-post-loan-operations"
    version: "1.0.0"
badges:
  - content: "贷后作业域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理客户咨询、投诉、还款退款和异常处理入口。

## 核心实体

- `CustomerTicket`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "decision-engine"
name: "决策引擎"
version: "1.0.0"
summary: "执行规则、策略、模型决策和风险审批，输出 Approve、Reject 或 Review。"
owners:
  - "architecture-governance"
domain:
  id: "risk"
  version: "1.0.0"
sends:
  - id: "risk-decision-made"
    version: "1.0.0"
receives:
  - id: "execute-risk-review"
    version: "1.0.0"
  - id: "loan-application-created"
    version: "1.0.0"
flows:
  - id: "customer-onboarding"
    version: "1.0.0"
  - id: "product-distribution"
    version: "1.0.0"
  - id: "credit-approval"
    version: "1.0.0"
  - id: "loan-application-disbursement"
    version: "1.0.0"
  - id: "risk-strategy-closed-loop"
    version: "1.0.0"
badges:
  - content: "风控域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

执行规则、策略、模型决策和风险审批，输出 Approve、Reject 或 Review。

## 核心实体

- `RiskDecision`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "due-diligence-system"
name: "尽调系统"
version: "1.0.0"
summary: "管理合作机构、资金方、供应商尽调和准入资料。"
owners:
  - "architecture-governance"
domain:
  id: "compliance"
  version: "1.0.0"
sends:
  - id: "due-diligence-completed"
    version: "1.0.0"
receives:
  - id: "sync-partner-institution"
    version: "1.0.0"
flows:
  - id: "open-integration-governance"
    version: "1.0.0"
badges:
  - content: "合规域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理合作机构、资金方、供应商尽调和准入资料。

## 核心实体

- `DueDiligenceCase`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "extension-engine"
name: "展期系统"
version: "1.0.0"
summary: "管理展期申请、资格校验、定价、审批、支付和结果处理。"
owners:
  - "architecture-governance"
domain:
  id: "transaction"
  version: "1.0.0"
sends:
  - id: "extension-order-created"
    version: "1.0.0"
  - id: "extension-succeeded"
    version: "1.0.0"
receives:
  - id: "create-extension-order"
    version: "1.0.0"
  - id: "payment-succeeded"
    version: "1.0.0"
flows:
  - id: "extension"
    version: "1.0.0"
badges:
  - content: "交易域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理展期申请、资格校验、定价、审批、支付和结果处理。

## 核心实体

- `ExtensionOrder`
- `ExtensionPlan`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "feature-platform"
name: "特征平台"
version: "1.0.0"
summary: "统一沉淀客户、设备、行为、交易、贷中和贷后风险特征。"
owners:
  - "architecture-governance"
domain:
  id: "risk"
  version: "1.0.0"
sends: []
receives:
  - id: "execute-risk-review"
    version: "1.0.0"
flows:
  - id: "credit-approval"
    version: "1.0.0"
  - id: "risk-strategy-closed-loop"
    version: "1.0.0"
badges:
  - content: "风控域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一沉淀客户、设备、行为、交易、贷中和贷后风险特征。

## 核心实体

该系统在参考架构中未声明专属核心实体。

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "financial-accounting-system"
name: "财务核算"
version: "1.0.0"
summary: "基于账本服务和结算结果进行财务核算、收入成本确认和管理归因。"
owners:
  - "architecture-governance"
domain:
  id: "finance"
  version: "1.0.0"
sends: []
receives:
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "settlement-order-created"
    version: "1.0.0"
flows:
  - id: "financial-accounting"
    version: "1.0.0"
badges:
  - content: "财务域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

基于账本服务和结算结果进行财务核算、收入成本确认和管理归因。

## 核心实体

- `FinancialVoucher`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "financial-product-center"
name: "信贷产品管理"
version: "1.0.0"
summary: "统一管理 C 端信贷产品配置、产品规则、还款规则、资金匹配和分账规则。"
owners:
  - "architecture-governance"
domain:
  id: "product"
  version: "1.0.0"
sends:
  - id: "product-version-published"
    version: "1.0.0"
  - id: "product-offer-distributed"
    version: "1.0.0"
  - id: "product-funding-matched"
    version: "1.0.0"
  - id: "repayment-plan-calculated"
    version: "1.0.0"
  - id: "settlement-calculation-completed"
    version: "1.0.0"
receives:
  - id: "query-product-offer"
    version: "1.0.0"
  - id: "calculate-repayment-plan"
    version: "1.0.0"
  - id: "calculate-settlement-split"
    version: "1.0.0"
  - id: "risk-decision-made"
    version: "1.0.0"
flows: []
badges:
  - content: "产品域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一管理 C 端信贷产品配置、产品规则、还款规则、资金匹配和分账规则。

## 核心实体

- `Product`
- `PricingPlan`
- `FeeRule`
- `TermRule`
- `RepaymentRule`
- `PrepaymentRule`
- `FundingMatchRule`
- `SettlementRule`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "financial-report-service"
name: "财务报表"
version: "1.0.0"
summary: "输出经营、核算、审计和管理维度财务报表。"
owners:
  - "architecture-governance"
domain:
  id: "finance"
  version: "1.0.0"
sends: []
receives:
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "settlement-order-created"
    version: "1.0.0"
flows:
  - id: "financial-accounting"
    version: "1.0.0"
badges:
  - content: "财务域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

输出经营、核算、审计和管理维度财务报表。

## 核心实体

- `FinancialStatement`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "financial-system"
name: "财务系统"
version: "1.0.0"
summary: "承接财务科目、报表、审计和财务系统集成。"
owners:
  - "architecture-governance"
domain:
  id: "finance"
  version: "1.0.0"
sends:
  - id: "fund-operation-approved"
    version: "1.0.0"
receives:
  - id: "approve-fund-operation"
    version: "1.0.0"
  - id: "fund-operation-code-generated"
    version: "1.0.0"
  - id: "external-fund-transaction-recorded"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "settlement-order-created"
    version: "1.0.0"
flows:
  - id: "financial-accounting"
    version: "1.0.0"
  - id: "business-fund-management"
    version: "1.0.0"
badges:
  - content: "财务域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

承接财务科目、报表、审计和财务系统集成。

## 核心实体

- `FinancialReport`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "fund-management-system"
name: "资金账户管理"
version: "1.0.0"
summary: "管理资金账户，覆盖可用、冻结、在途、已出款、已入账、已退款和差错挂账，保证放款前钱够且不重复占用。"
owners:
  - "architecture-governance"
domain:
  id: "funds"
  version: "1.0.0"
sends:
  - id: "fund-operation-code-generated"
    version: "1.0.0"
  - id: "fund-reserved"
    version: "1.0.0"
  - id: "fund-reservation-released"
    version: "1.0.0"
  - id: "fund-transaction-recorded"
    version: "1.0.0"
  - id: "external-fund-transaction-recorded"
    version: "1.0.0"
  - id: "fund-arrival-confirmed"
    version: "1.0.0"
receives:
  - id: "generate-fund-operation-code"
    version: "1.0.0"
  - id: "record-external-fund-transaction"
    version: "1.0.0"
  - id: "confirm-fund-arrival"
    version: "1.0.0"
  - id: "reserve-funds"
    version: "1.0.0"
  - id: "release-fund-reservation"
    version: "1.0.0"
  - id: "payment-succeeded"
    version: "1.0.0"
  - id: "payment-failed"
    version: "1.0.0"
  - id: "refund-succeeded"
    version: "1.0.0"
  - id: "disbursement-succeeded"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
  - id: "repayment-refunded"
    version: "1.0.0"
  - id: "benefit-payment-succeeded"
    version: "1.0.0"
  - id: "benefit-refunded"
    version: "1.0.0"
  - id: "product-version-published"
    version: "1.0.0"
  - id: "product-funding-matched"
    version: "1.0.0"
  - id: "risk-decision-made"
    version: "1.0.0"
  - id: "funding-contract-signed"
    version: "1.0.0"
  - id: "fund-operation-approved"
    version: "1.0.0"
flows:
  - id: "loan-application-disbursement"
    version: "1.0.0"
  - id: "open-integration-governance"
    version: "1.0.0"
  - id: "business-fund-management"
    version: "1.0.0"
badges:
  - content: "资金域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理资金账户，覆盖可用、冻结、在途、已出款、已入账、已退款和差错挂账，保证放款前钱够且不重复占用。

## 核心实体

- `FundAccount`
- `FundReservation`
- `FundInTransit`
- `FundTransaction`
- `FundException`
- `FundOperationCode`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "fund-routing-system"
name: "资金路由系统"
version: "1.0.0"
summary: "根据产品、国家、资方额度、资金成本、通道状态、资方协议和路由规则选择合适资金方。"
owners:
  - "architecture-governance"
domain:
  id: "funds"
  version: "1.0.0"
sends:
  - id: "fund-route-selected"
    version: "1.0.0"
receives:
  - id: "route-funds"
    version: "1.0.0"
  - id: "product-funding-matched"
    version: "1.0.0"
  - id: "risk-decision-made"
    version: "1.0.0"
flows:
  - id: "loan-application-disbursement"
    version: "1.0.0"
badges:
  - content: "资金域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

根据产品、国家、资方额度、资金成本、通道状态、资方协议和路由规则选择合适资金方。

## 核心实体

- `FundRoute`
- `FundingSourceCandidate`
- `RouteRule`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "funding-partner-integration"
name: "资金方接入"
version: "1.0.0"
summary: "管理资金方协议、接口、签名、额度、状态和放款/还款文件交互。"
owners:
  - "architecture-governance"
domain:
  id: "partner"
  version: "1.0.0"
sends: []
receives:
  - id: "disbursement-requested"
    version: "1.0.0"
flows:
  - id: "open-integration-governance"
    version: "1.0.0"
badges:
  - content: "合作机构域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理资金方协议、接口、签名、额度、状态和放款/还款文件交互。

## 核心实体

- `FundingPartnerIntegration`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "insurance-company-integration"
name: "保险公司接入"
version: "1.0.0"
summary: "管理保险公司准入、协议、保单、理赔和接口适配。"
owners:
  - "architecture-governance"
domain:
  id: "partner"
  version: "1.0.0"
sends: []
receives: []
flows:
  - id: "open-integration-governance"
    version: "1.0.0"
badges:
  - content: "合作机构域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理保险公司准入、协议、保单、理赔和接口适配。

## 核心实体

- `InsuranceCompanyIntegration`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "intelligent-application"
name: "智能应用"
version: "1.0.0"
summary: "承接智能外呼、智能质检、智能分案、作业辅助和贷后分析。"
owners:
  - "architecture-governance"
domain:
  id: "post-loan-operations"
  version: "1.0.0"
sends: []
receives:
  - id: "collection-case-created"
    version: "1.0.0"
flows:
  - id: "overdue-post-loan-operations"
    version: "1.0.0"
badges:
  - content: "贷后作业域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

承接智能外呼、智能质检、智能分案、作业辅助和贷后分析。

## 核心实体

- `IntelligentTask`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "kyc-service"
name: "KYC服务"
version: "1.0.0"
summary: "承接 OCR、活体、证件校验和实名结果管理。"
owners:
  - "architecture-governance"
domain:
  id: "customer"
  version: "1.0.0"
sends:
  - id: "kyc-completed"
    version: "1.0.0"
receives: []
flows:
  - id: "customer-onboarding"
    version: "1.0.0"
badges:
  - content: "客户域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

承接 OCR、活体、证件校验和实名结果管理。

## 核心实体

- `KycCase`
- `IdentityVerification`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "loan-engine"
name: "放款系统"
version: "1.0.0"
summary: "封装借款申请、借款订单、放款单和放款领域流程，统一编排授信、产品、风控支用审批、资金路由、资金预占、PartnerHub 资方放款、账务记账和资产生效。业务系统只提交放款意图。"
owners:
  - "architecture-governance"
domain:
  id: "transaction"
  version: "1.0.0"
sends:
  - id: "loan-application-created"
    version: "1.0.0"
  - id: "loan-application-approved"
    version: "1.0.0"
  - id: "loan-application-rejected"
    version: "1.0.0"
  - id: "fund-reservation-requested"
    version: "1.0.0"
  - id: "disbursement-requested"
    version: "1.0.0"
  - id: "disbursement-succeeded"
    version: "1.0.0"
  - id: "disbursement-failed"
    version: "1.0.0"
receives:
  - id: "submit-loan-application"
    version: "1.0.0"
  - id: "risk-decision-made"
    version: "1.0.0"
  - id: "credit-reserved"
    version: "1.0.0"
  - id: "fund-route-selected"
    version: "1.0.0"
  - id: "fund-reserved"
    version: "1.0.0"
  - id: "partner-disbursement-succeeded"
    version: "1.0.0"
  - id: "payment-failed"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "loan-note-created"
    version: "1.0.0"
  - id: "repayment-schedule-generated"
    version: "1.0.0"
  - id: "disbursement-reversed"
    version: "1.0.0"
flows:
  - id: "product-distribution"
    version: "1.0.0"
  - id: "loan-application-disbursement"
    version: "1.0.0"
  - id: "risk-strategy-closed-loop"
    version: "1.0.0"
badges:
  - content: "交易域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

封装借款申请、借款订单、放款单和放款领域流程，统一编排授信、产品、风控支用审批、资金路由、资金预占、PartnerHub 资方放款、账务记账和资产生效。业务系统只提交放款意图。

## 核心实体

- `LoanApplication`
- `LoanOrder`
- `DisbursementOrder`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "marketing-center"
name: "运营平台"
version: "1.0.0"
summary: "管理运营配置、优惠券、返现、奖励、用户分群和运营投放。"
owners:
  - "architecture-governance"
domain:
  id: "operations"
  version: "1.0.0"
sends: []
receives:
  - id: "customer-registered"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
flows:
  - id: "marketing-operations"
    version: "1.0.0"
badges:
  - content: "营销运营域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理运营配置、优惠券、返现、奖励、用户分群和运营投放。

## 核心实体

该系统在参考架构中未声明专属核心实体。

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "member-center"
name: "会员中心"
version: "1.0.0"
summary: "管理会员等级、会员权益、会员生命周期和权益使用资格。"
owners:
  - "architecture-governance"
domain:
  id: "operations"
  version: "1.0.0"
sends:
  - id: "member-status-changed"
    version: "1.0.0"
receives: []
flows:
  - id: "marketing-operations"
    version: "1.0.0"
badges:
  - content: "营销运营域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理会员等级、会员权益、会员生命周期和权益使用资格。

## 核心实体

- `Member`
- `MemberLevel`
- `MemberBenefit`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "model-platform"
name: "模型平台"
version: "1.0.0"
summary: "管理申请评分、行为评分、催收评分和营销评分模型。"
owners:
  - "architecture-governance"
domain:
  id: "risk"
  version: "1.0.0"
sends: []
receives:
  - id: "execute-risk-review"
    version: "1.0.0"
flows:
  - id: "credit-approval"
    version: "1.0.0"
  - id: "risk-strategy-closed-loop"
    version: "1.0.0"
badges:
  - content: "风控域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理申请评分、行为评分、催收评分和营销评分模型。

## 核心实体

该系统在参考架构中未声明专属核心实体。

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "outreach-system"
name: "触达系统"
version: "1.0.0"
summary: "统一用户触达平台，支持 SMS、Email、Push、WhatsApp、Telegram、IVR 和站内信。"
owners:
  - "architecture-governance"
domain:
  id: "post-loan-operations"
  version: "1.0.0"
sends:
  - id: "message-dispatched"
    version: "1.0.0"
receives:
  - id: "send-notification"
    version: "1.0.0"
  - id: "loan-application-approved"
    version: "1.0.0"
  - id: "loan-application-rejected"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
  - id: "repayment-refunded"
    version: "1.0.0"
  - id: "extension-succeeded"
    version: "1.0.0"
  - id: "benefit-fulfilled"
    version: "1.0.0"
flows:
  - id: "repayment"
    version: "1.0.0"
  - id: "overdue-post-loan-operations"
    version: "1.0.0"
  - id: "marketing-operations"
    version: "1.0.0"
badges:
  - content: "贷后作业域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一用户触达平台，支持 SMS、Email、Push、WhatsApp、Telegram、IVR 和站内信。

## 核心实体

该系统在参考架构中未声明专属核心实体。

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "partner-hub"
name: "机构管理"
version: "1.0.0"
summary: "统一管理合作机构档案、产品、合同、接口适配、签名、路由、资方放款服务、资方还款服务和监控。"
owners:
  - "architecture-governance"
domain:
  id: "partner"
  version: "1.0.0"
sends:
  - id: "funding-contract-signed"
    version: "1.0.0"
  - id: "partner-integration-status-changed"
    version: "1.0.0"
  - id: "partner-disbursement-succeeded"
    version: "1.0.0"
  - id: "repayment-method-created"
    version: "1.0.0"
  - id: "partner-repayment-received"
    version: "1.0.0"
receives:
  - id: "register-funding-contract"
    version: "1.0.0"
  - id: "sync-partner-institution"
    version: "1.0.0"
  - id: "disbursement-requested"
    version: "1.0.0"
  - id: "request-partner-repayment"
    version: "1.0.0"
  - id: "payment-succeeded"
    version: "1.0.0"
  - id: "external-repayment-notified"
    version: "1.0.0"
  - id: "fulfill-benefit-order"
    version: "1.0.0"
flows:
  - id: "loan-application-disbursement"
    version: "1.0.0"
  - id: "repayment"
    version: "1.0.0"
  - id: "open-integration-governance"
    version: "1.0.0"
  - id: "business-fund-management"
    version: "1.0.0"
badges:
  - content: "合作机构域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一管理合作机构档案、产品、合同、接口适配、签名、路由、资方放款服务、资方还款服务和监控。

## 核心实体

- `Partner`
- `FundingContract`
- `PartnerDisbursementService`
- `PartnerRepaymentService`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "partner-reconciliation-service"
name: "机构对账"
version: "1.0.0"
summary: "统一管理资金方、保险公司、支付通道和供应商对账结果。"
owners:
  - "architecture-governance"
domain:
  id: "partner"
  version: "1.0.0"
sends: []
receives:
  - id: "settlement-order-created"
    version: "1.0.0"
  - id: "fund-transaction-recorded"
    version: "1.0.0"
flows:
  - id: "clearing-settlement-reconciliation"
    version: "1.0.0"
badges:
  - content: "合作机构域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一管理资金方、保险公司、支付通道和供应商对账结果。

## 核心实体

- `PartnerReconciliation`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "payment-system"
name: "支付系统"
version: "1.0.0"
summary: "对接银行、支付网关、钱包、银行卡和本地支付通道，提供代付、代扣、收款和退款能力。"
owners:
  - "architecture-governance"
domain:
  id: "funds"
  version: "1.0.0"
sends:
  - id: "payment-succeeded"
    version: "1.0.0"
  - id: "payment-failed"
    version: "1.0.0"
  - id: "refund-succeeded"
    version: "1.0.0"
receives:
  - id: "initiate-payment"
    version: "1.0.0"
  - id: "request-disbursement"
    version: "1.0.0"
  - id: "create-repayment-method"
    version: "1.0.0"
  - id: "initiate-refund"
    version: "1.0.0"
flows:
  - id: "loan-application-disbursement"
    version: "1.0.0"
  - id: "repayment"
    version: "1.0.0"
  - id: "refund-and-reversal-lifecycle"
    version: "1.0.0"
  - id: "extension"
    version: "1.0.0"
  - id: "open-integration-governance"
    version: "1.0.0"
  - id: "marketing-operations"
    version: "1.0.0"
badges:
  - content: "资金域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

对接银行、支付网关、钱包、银行卡和本地支付通道，提供代付、代扣、收款和退款能力。

## 核心实体

- `PaymentOrder`
- `RefundPaymentOrder`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "product-calculation-service"
name: "产品试算服务"
version: "1.0.0"
summary: "提供还款计划、取消借款、提前结清、费用和分账试算。"
owners:
  - "architecture-governance"
domain:
  id: "product"
  version: "1.0.0"
sends:
  - id: "repayment-plan-calculated"
    version: "1.0.0"
  - id: "settlement-calculation-completed"
    version: "1.0.0"
receives:
  - id: "calculate-repayment-plan"
    version: "1.0.0"
  - id: "calculate-loan-cancel-repayment"
    version: "1.0.0"
  - id: "calculate-early-settlement"
    version: "1.0.0"
  - id: "calculate-settlement-split"
    version: "1.0.0"
flows:
  - id: "product-distribution"
    version: "1.0.0"
  - id: "repayment-plan-generation"
    version: "1.0.0"
  - id: "repayment"
    version: "1.0.0"
  - id: "extension"
    version: "1.0.0"
  - id: "clearing-settlement-reconciliation"
    version: "1.0.0"
badges:
  - content: "产品域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

提供还款计划、取消借款、提前结清、费用和分账试算。

## 核心实体

- `ProductCalculation`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "product-distribution-service"
name: "产品分发服务"
version: "1.0.0"
summary: "基于国家、渠道、客群、风险结果和资金状态输出可借产品。"
owners:
  - "architecture-governance"
domain:
  id: "product"
  version: "1.0.0"
sends:
  - id: "product-offer-distributed"
    version: "1.0.0"
receives:
  - id: "query-product-offer"
    version: "1.0.0"
  - id: "risk-decision-made"
    version: "1.0.0"
flows:
  - id: "product-distribution"
    version: "1.0.0"
badges:
  - content: "产品域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

基于国家、渠道、客群、风险结果和资金状态输出可借产品。

## 核心实体

- `ProductDistributionRule`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "refund-reversal-service"
name: "退款冲正服务"
version: "1.0.0"
summary: "统一封装放款冲正、还款退款、原交易校验、审批、资金退回、反向分录和资产重算。"
owners:
  - "architecture-governance"
domain:
  id: "transaction"
  version: "1.0.0"
sends:
  - id: "disbursement-reversed"
    version: "1.0.0"
  - id: "repayment-refunded"
    version: "1.0.0"
receives:
  - id: "create-repayment-refund"
    version: "1.0.0"
  - id: "reverse-disbursement"
    version: "1.0.0"
  - id: "refund-succeeded"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
flows:
  - id: "refund-and-reversal-lifecycle"
    version: "1.0.0"
badges:
  - content: "交易域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

统一封装放款冲正、还款退款、原交易校验、审批、资金退回、反向分录和资产重算。

## 核心实体

- `RefundOrder`
- `ReversalOrder`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "regulatory-reporting-service"
name: "监管报送"
version: "1.0.0"
summary: "管理监管报送口径、报送任务、报送文件和回执。"
owners:
  - "architecture-governance"
domain:
  id: "compliance"
  version: "1.0.0"
sends: []
receives:
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "fund-transaction-recorded"
    version: "1.0.0"
flows: []
badges:
  - content: "合规域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理监管报送口径、报送任务、报送文件和回执。

## 核心实体

- `RegulatoryReport`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "repayment-calculation-service"
name: "还款试算服务"
version: "1.0.0"
summary: "提供还款入账、提前结清、展期和退款重算试算。"
owners:
  - "architecture-governance"
domain:
  id: "asset"
  version: "1.0.0"
sends:
  - id: "repayment-posting-calculated"
    version: "1.0.0"
receives:
  - id: "calculate-repayment-posting"
    version: "1.0.0"
flows: []
badges:
  - content: "资产域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

提供还款入账、提前结清、展期和退款重算试算。

## 核心实体

- `RepaymentPosting`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "repayment-engine"
name: "还款系统"
version: "1.0.0"
summary: "封装还款领域流程，统一编排还款申请、还款通道路由、PartnerHub 资方还款、支付入金、账务记账、资产入账、结清判断和额度恢复。"
owners:
  - "architecture-governance"
domain:
  id: "transaction"
  version: "1.0.0"
sends:
  - id: "repayment-order-created"
    version: "1.0.0"
  - id: "repayment-posting-calculated"
    version: "1.0.0"
  - id: "repayment-route-selected"
    version: "1.0.0"
receives:
  - id: "create-repayment-order"
    version: "1.0.0"
  - id: "repayment-method-created"
    version: "1.0.0"
  - id: "partner-repayment-received"
    version: "1.0.0"
  - id: "payment-succeeded"
    version: "1.0.0"
  - id: "payment-failed"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "asset-posting-applied"
    version: "1.0.0"
  - id: "repayment-succeeded"
    version: "1.0.0"
flows:
  - id: "repayment"
    version: "1.0.0"
badges:
  - content: "交易域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

封装还款领域流程，统一编排还款申请、还款通道路由、PartnerHub 资方还款、支付入金、账务记账、资产入账、结清判断和额度恢复。

## 核心实体

- `RepaymentOrder`
- `PaymentInstruction`
- `RepaymentAllocation`
- `RepaymentRoute`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "repayment-plan-service"
name: "还款计划"
version: "1.0.0"
summary: "管理期次计划、应还、逾期、罚息和计划调整。"
owners:
  - "architecture-governance"
domain:
  id: "asset"
  version: "1.0.0"
sends:
  - id: "repayment-schedule-generated"
    version: "1.0.0"
receives:
  - id: "disbursement-succeeded"
    version: "1.0.0"
  - id: "extension-succeeded"
    version: "1.0.0"
flows:
  - id: "repayment-plan-generation"
    version: "1.0.0"
badges:
  - content: "资产域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理期次计划、应还、逾期、罚息和计划调整。

## 核心实体

- `RepaymentSchedule`
- `Installment`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "risk-strategy-center"
name: "策略管理"
version: "1.0.0"
summary: "管理风控策略、规则实验、策略版本、决策审计和效果回流。"
owners:
  - "architecture-governance"
domain:
  id: "risk"
  version: "1.0.0"
sends:
  - id: "risk-strategy-published"
    version: "1.0.0"
receives: []
flows:
  - id: "risk-strategy-closed-loop"
    version: "1.0.0"
badges:
  - content: "风控域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理风控策略、规则实验、策略版本、决策审计和效果回流。

## 核心实体

- `RiskStrategy`
- `RuleSet`
- `Experiment`
- `DecisionAudit`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "settlement-center"
name: "结算中心"
version: "1.0.0"
summary: "基于清分结果生成结算单，并承接结算、对账和差错处理。"
owners:
  - "architecture-governance"
domain:
  id: "funds"
  version: "1.0.0"
sends:
  - id: "settlement-order-created"
    version: "1.0.0"
  - id: "partner-settlement-bill-created"
    version: "1.0.0"
receives:
  - id: "create-partner-settlement-bill"
    version: "1.0.0"
  - id: "accounting-entry-posted"
    version: "1.0.0"
  - id: "clearing-allocation-completed"
    version: "1.0.0"
  - id: "settlement-calculation-completed"
    version: "1.0.0"
  - id: "fund-transaction-recorded"
    version: "1.0.0"
  - id: "benefit-payment-succeeded"
    version: "1.0.0"
flows:
  - id: "clearing-settlement-reconciliation"
    version: "1.0.0"
badges:
  - content: "资金域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

基于清分结果生成结算单，并承接结算、对账和差错处理。

## 核心实体

- `SettlementOrder`
- `SettlementSplit`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "supplier-settlement-system"
name: "供应商结算"
version: "1.0.0"
summary: "管理供应商、渠道、外部服务商费用确认和结算。"
owners:
  - "architecture-governance"
domain:
  id: "finance"
  version: "1.0.0"
sends: []
receives:
  - id: "settlement-order-created"
    version: "1.0.0"
flows:
  - id: "financial-accounting"
    version: "1.0.0"
badges:
  - content: "财务域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理供应商、渠道、外部服务商费用确认和结算。

## 核心实体

- `SupplierSettlement`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "work-order-center"
name: "工单中心"
version: "1.0.0"
summary: "管理客服、运营、贷后和差错处理工单。"
owners:
  - "architecture-governance"
domain:
  id: "post-loan-operations"
  version: "1.0.0"
sends:
  - id: "work-order-created"
    version: "1.0.0"
receives: []
flows:
  - id: "overdue-post-loan-operations"
    version: "1.0.0"
badges:
  - content: "贷后作业域"
    backgroundColor: "blue"
    textColor: "blue"
---

## 职责

管理客服、运营、贷后和差错处理工单。

## 核心实体

- `WorkOrder`

## 边界说明

该页面依据参考架构职责创建，消息关系为第一版推导结果。实际落地时应补充 Topic、API、Owner、SLA、重试和幂等策略。

## 依赖视图

<NodeGraph />

---
id: "accounting"
name: "账务域"
version: "1.0.0"
summary: "采用 append-only 和复式记账模型，沉淀账本、分录、余额和对账事实。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

采用 append-only 和复式记账模型，沉淀账本、分录、余额和对账事实。

## 所属系统

- [[service|accounting-center]]：账本服务
- [[service|accounting-entry-service]]：会计分录
- [[service|balance-management-service]]：余额管理
- [[service|accounting-reconciliation-service]]：对账服务

## 架构关系

<NodeGraph />

---
id: "asset"
name: "资产域"
version: "1.0.0"
summary: "管理资产、还款计划、还款试算和 ABF 相关资产服务。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

管理资产、还款计划、还款试算和 ABF 相关资产服务。

## 所属系统

- [[service|asset-center]]：资产管理
- [[service|repayment-plan-service]]：还款计划
- [[service|repayment-calculation-service]]：还款试算服务
- [[service|abf-service]]：ABF服务

## 架构关系

<NodeGraph />

---
id: "business-frontend"
name: "业务前台域"
version: "1.0.0"
summary: "面向多个市场 APP + BFF 的前台体验、页面聚合、登录态解析和市场差异化适配。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

面向多个市场 APP + BFF 的前台体验、页面聚合、登录态解析和市场差异化适配。

## 所属系统

- [[service|app]]：市场 APP
- [[service|bff-system]]：市场 BFF

## 架构关系

<NodeGraph />

---
id: "compliance"
name: "合规域"
version: "1.0.0"
summary: "基础平台系统下的合规能力，覆盖合规系统、监管报送和尽调系统。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

基础平台系统下的合规能力，覆盖合规系统、监管报送和尽调系统。

## 所属系统

- [[service|compliance-system]]：合规系统
- [[service|regulatory-reporting-service]]：监管报送
- [[service|due-diligence-system]]：尽调系统

## 架构关系

<NodeGraph />

---
id: "credit"
name: "授信域"
version: "1.0.0"
summary: "管理授信审批和额度管理，覆盖额度授予、冻结、占用、释放、恢复和额度生命周期。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

管理授信审批和额度管理，覆盖额度授予、冻结、占用、释放、恢复和额度生命周期。

## 所属系统

- [[service|credit-center]]：授信审批
- [[service|credit-limit-center]]：额度管理

## 架构关系

<NodeGraph />

---
id: "customer"
name: "客户域"
version: "1.0.0"
summary: "统一管理用户身份、KYC、授权、客户主档和客户画像。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

统一管理用户身份、KYC、授权、客户主档和客户画像。

## 所属系统

- [[service|customer-center]]：用户中心
- [[service|kyc-service]]：KYC服务
- [[service|authorization-center]]：用户授权
- [[service|customer-master]]：客户主档
- [[service|customer-profile]]：客户画像

## 架构关系

<NodeGraph />

---
id: "finance"
name: "财务域"
version: "1.0.0"
summary: "基础平台系统下的财务能力，覆盖财务系统、财务核算、供应商结算和财务报表。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

基础平台系统下的财务能力，覆盖财务系统、财务核算、供应商结算和财务报表。

## 所属系统

- [[service|financial-system]]：财务系统
- [[service|financial-accounting-system]]：财务核算
- [[service|supplier-settlement-system]]：供应商结算
- [[service|financial-report-service]]：财务报表

## 架构关系

<NodeGraph />

---
id: "funds"
name: "资金域"
version: "1.0.0"
summary: "提供资金路由、资金账户、清分、结算和支付能力。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

提供资金路由、资金账户、清分、结算和支付能力。

## 所属系统

- [[service|fund-routing-system]]：资金路由系统
- [[service|fund-management-system]]：资金账户管理
- [[service|clearing-center]]：清分中心
- [[service|settlement-center]]：结算中心
- [[service|payment-system]]：支付系统

## 架构关系

<NodeGraph />

---
id: "operations"
name: "营销运营域"
version: "1.0.0"
summary: "覆盖运营平台、活动、会员和权益能力。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

覆盖运营平台、活动、会员和权益能力。

## 所属系统

- [[service|marketing-center]]：运营平台
- [[service|campaign-center]]：活动中心
- [[service|member-center]]：会员中心
- [[service|benefit-goods-center]]：权益中心

## 架构关系

<NodeGraph />

---
id: "partner"
name: "合作机构域"
version: "1.0.0"
summary: "统一管理机构、机构对账、资金方接入和保险公司接入。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

统一管理机构、机构对账、资金方接入和保险公司接入。

## 所属系统

- [[service|partner-hub]]：机构管理
- [[service|partner-reconciliation-service]]：机构对账
- [[service|funding-partner-integration]]：资金方接入
- [[service|insurance-company-integration]]：保险公司接入

## 架构关系

<NodeGraph />

---
id: "post-loan-operations"
name: "贷后作业域"
version: "1.0.0"
summary: "承接催收、触达、客服、工单和贷后智能应用，属于中台系统。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

承接催收、触达、客服、工单和贷后智能应用，属于中台系统。

## 所属系统

- [[service|collection-system]]：催收系统
- [[service|outreach-system]]：触达系统
- [[service|customer-service-system]]：客服系统
- [[service|work-order-center]]：工单中心
- [[service|intelligent-application]]：智能应用

## 架构关系

<NodeGraph />

---
id: "product"
name: "产品域"
version: "1.0.0"
summary: "统一管理信贷产品、合同模板、产品分发和产品试算。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

统一管理信贷产品、合同模板、产品分发和产品试算。

## 所属系统

- [[service|financial-product-center]]：信贷产品管理
- [[service|contract-template-service]]：合同模板
- [[service|product-distribution-service]]：产品分发服务
- [[service|product-calculation-service]]：产品试算服务

## 架构关系

<NodeGraph />

---
id: "risk"
name: "风控域"
version: "1.0.0"
summary: "沉淀策略、特征、模型和决策能力，形成策略实验、决策审计和效果回流闭环。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

沉淀策略、特征、模型和决策能力，形成策略实验、决策审计和效果回流闭环。

## 所属系统

- [[service|risk-strategy-center]]：策略管理
- [[service|decision-engine]]：决策引擎
- [[service|feature-platform]]：特征平台
- [[service|model-platform]]：模型平台

## 架构关系

<NodeGraph />

---
id: "transaction"
name: "交易域"
version: "1.0.0"
summary: "由领域系统封装借款订单、放款、还款、展期、退款冲正、权益交易等交易生命周期。"
owners:
  - "architecture-governance"
badges:
  - content: "domain"
    backgroundColor: "gray"
    textColor: "gray"
---

## 职责

由领域系统封装借款订单、放款、还款、展期、退款冲正、权益交易等交易生命周期。

## 所属系统

- [[service|loan-engine]]：放款系统
- [[service|repayment-engine]]：还款系统
- [[service|extension-engine]]：展期系统
- [[service|refund-reversal-service]]：退款冲正服务
- [[service|benefit-trade-center]]：权益商品交易中心

## 架构关系

<NodeGraph />

---
id: "architecture-governance"
name: "Architecture Governance"
summary: "负责维护消费信贷参考平台 EventCatalog 的领域边界、服务关系、消息契约和业务流程。"
members:
  - "platform-architect"
email: "architecture@example.com"
---

## Overview

该团队是从架构设计生成初始目录时设置的默认 Owner。实际项目中应将资源 Owner 调整为对应领域或系统团队。

---
id: "platform-architect"
name: "Platform Architect"
summary: "消费信贷参考平台参考架构负责人。"
role: "Architecture Owner"
email: "architecture@example.com"
---

## Overview

消费信贷参考平台参考架构负责人。请在实际组织落地时替换为实际用户。

---
id: "business-fund-management"
name: "商务资金管理流程"
version: "1.0.0"
order: 11
summary: "覆盖资金方签约、融资入金、保证金、手续费、资金操作码、系统外资金动作、资金账登记和账务确认，避免商务、财务、资金运营和银行流水脱节。"
owners:
  - "architecture-governance"
steps:
  - id: "business-funding-operator"
    title: "商务/资金运营"
    summary: "发起资金方签约、融资入金、保证金、手续费或展期终止等资金事项"
    actor:
      name: "商务/资金运营"
    next_step:
      id: "register-funding-contract"
      label: "登记融资合同"
  - id: "register-funding-contract"
    title: "Register Funding Contract"
    message:
      id: "register-funding-contract"
      version: "1.0.0"
    next_step:
      id: "partner-hub"
      label: "合同与机构资料归口"
  - id: "partner-hub"
    title: "机构管理"
    service:
      id: "partner-hub"
      version: "1.0.0"
    next_steps:
      - id: "funding-contract-signed"
        label: "资金方合同生效"
  - id: "funding-contract-signed"
    title: "Funding Contract Signed"
    message:
      id: "funding-contract-signed"
      version: "1.0.0"
    next_step:
      id: "fund-management-system"
      label: "建立资金来源与成本口径"
  - id: "fund-management-contract"
    title: "资金账户管理"
    service:
      id: "fund-management-system"
      version: "1.0.0"
    next_steps:
      - id: "generate-fund-operation-code"
        label: "生成业务码/交易码"
  - id: "generate-fund-operation-code"
    title: "Generate Fund Operation Code"
    message:
      id: "generate-fund-operation-code"
      version: "1.0.0"
    next_step:
      id: "fund-management-system"
      label: "绑定业务单据"
  - id: "fund-operation-code"
    title: "资金账户管理：操作码"
    service:
      id: "fund-management-system"
      version: "1.0.0"
    next_steps:
      - id: "fund-operation-code-generated"
        label: "操作码生成"
  - id: "fund-operation-code-generated"
    title: "Fund Operation Code Generated"
    message:
      id: "fund-operation-code-generated"
      version: "1.0.0"
    next_step:
      id: "financial-system"
      label: "财务审批"
  - id: "financial-system-approval"
    title: "财务系统"
    service:
      id: "financial-system"
      version: "1.0.0"
    next_steps:
      - id: "approve-fund-operation"
        label: "审批资金动作"
  - id: "approve-fund-operation"
    title: "Approve Fund Operation"
    message:
      id: "approve-fund-operation"
      version: "1.0.0"
    next_step:
      id: "financial-system"
      label: "审批执行"
  - id: "financial-system-approved"
    title: "财务系统"
    service:
      id: "financial-system"
      version: "1.0.0"
    next_steps:
      - id: "fund-operation-approved"
        label: "审批通过"
  - id: "fund-operation-approved"
    title: "Fund Operation Approved"
    message:
      id: "fund-operation-approved"
      version: "1.0.0"
    next_step:
      id: "fund-management-system"
      label: "允许资金登记"
  - id: "fund-management-arrival"
    title: "资金账户管理：入金登记"
    service:
      id: "fund-management-system"
      version: "1.0.0"
    next_steps:
      - id: "confirm-fund-arrival"
        label: "确认融资入金"
      - id: "record-external-fund-transaction"
        label: "登记外部资金流水"
  - id: "confirm-fund-arrival"
    title: "Confirm Fund Arrival"
    message:
      id: "confirm-fund-arrival"
      version: "1.0.0"
    next_step:
      id: "fund-management-system"
      label: "确认到账"
  - id: "fund-management-confirmed"
    title: "资金账户管理：到账确认"
    service:
      id: "fund-management-system"
      version: "1.0.0"
    next_steps:
      - id: "fund-arrival-confirmed"
        label: "入金确认"
      - id: "external-fund-transaction-recorded"
        label: "资金流水登记"
  - id: "external-fund-transaction-recorded"
    title: "External Fund Transaction Recorded"
    message:
      id: "external-fund-transaction-recorded"
      version: "1.0.0"
    next_step:
      id: "accounting-center"
      label: "账务确认"
  - id: "accounting-center-external-fund"
    title: "账本服务"
    service:
      id: "accounting-center"
      version: "1.0.0"
    next_steps:
      - id: "ledger-event-accepted"
        label: "账本事件受理"
      - id: "accounting-entry-posted"
        label: "资金分录完成"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

覆盖资金方签约、融资入金、保证金、手续费、资金操作码、系统外资金动作、资金账登记和账务确认，避免商务、财务、资金运营和银行流水脱节。

<NodeGraph />

---
id: "clearing-settlement-reconciliation"
name: "清分、结算与对账流程"
version: "1.0.0"
order: 10
summary: "清分中心和结算中心基于账务分录和产品分账规则执行清分、资金方/渠道/供应商分账、结算单生成、通道对账、资金方对账和差错处理。"
owners:
  - "architecture-governance"
steps:
  - id: "ledger-entry"
    title: "账务分录完成"
    summary: "账本服务产生可清分的账务事实"
    actor:
      name: "账务分录完成"
    next_step:
      id: "accounting-entry-posted"
      label: "触发清分"
  - id: "accounting-entry-posted"
    title: "Accounting Entry Posted"
    message:
      id: "accounting-entry-posted"
      version: "1.0.0"
    next_step:
      id: "clearing-center"
      label: "基于账务分录清分"
  - id: "clearing-center"
    title: "清分中心"
    service:
      id: "clearing-center"
      version: "1.0.0"
    next_steps:
      - id: "calculate-settlement-split"
        label: "请求分账规则"
  - id: "calculate-settlement-split"
    title: "Calculate Settlement Split"
    message:
      id: "calculate-settlement-split"
      version: "1.0.0"
    next_step:
      id: "product-calculation-service"
      label: "计算分账规则"
  - id: "product-calculation-service"
    title: "产品试算服务"
    service:
      id: "product-calculation-service"
      version: "1.0.0"
    next_steps:
      - id: "settlement-calculation-completed"
        label: "分账规则返回"
  - id: "settlement-calculation-completed"
    title: "Settlement Calculation Completed"
    message:
      id: "settlement-calculation-completed"
      version: "1.0.0"
    next_step:
      id: "clearing-center"
      label: "执行清分"
  - id: "clearing-center-allocated"
    title: "清分中心"
    service:
      id: "clearing-center"
      version: "1.0.0"
    next_steps:
      - id: "clearing-allocation-completed"
        label: "清分完成"
  - id: "clearing-allocation-completed"
    title: "Clearing Allocation Completed"
    message:
      id: "clearing-allocation-completed"
      version: "1.0.0"
    next_step:
      id: "settlement-center"
      label: "生成结算单"
  - id: "settlement-center"
    title: "结算中心"
    service:
      id: "settlement-center"
      version: "1.0.0"
    next_steps:
      - id: "settlement-order-created"
        label: "结算单生成"
      - id: "partner-settlement-bill-created"
        label: "机构结算账单"
  - id: "settlement-order-created"
    title: "Settlement Order Created"
    message:
      id: "settlement-order-created"
      version: "1.0.0"
    next_step:
      id: "partner-reconciliation-service"
      label: "机构/通道对账"
  - id: "partner-reconciliation-service"
    title: "机构对账"
    service:
      id: "partner-reconciliation-service"
      version: "1.0.0"
    next_steps:
      - id: "fund-transaction-recorded"
        label: "资金流水核对"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

清分中心和结算中心基于账务分录和产品分账规则执行清分、资金方/渠道/供应商分账、结算单生成、通道对账、资金方对账和差错处理。

<NodeGraph />

---
id: "credit-approval"
name: "授信审批流程"
version: "1.0.0"
order: 2
summary: "覆盖授信申请、特征采集、策略模型决策、人审或自动审批、授信额度生成，以及额度冻结、占用和释放。"
owners:
  - "architecture-governance"
steps:
  - id: "credit-applicant"
    title: "授信用户"
    summary: "用户在 APP 发起授信申请"
    actor:
      name: "授信用户"
    next_step:
      id: "bff-system"
      label: "提交授信意图"
  - id: "bff-system"
    title: "市场 BFF"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps:
      - id: "credit-center"
        label: "进入授信审批"
  - id: "credit-center"
    title: "授信审批"
    service:
      id: "credit-center"
      version: "1.0.0"
    next_steps:
      - id: "execute-risk-review"
        label: "请求风控决策"
  - id: "execute-risk-review"
    title: "Execute Risk Review"
    message:
      id: "execute-risk-review"
      version: "1.0.0"
    next_step:
      id: "feature-platform"
      label: "采集授信特征"
  - id: "feature-platform"
    title: "特征平台"
    service:
      id: "feature-platform"
      version: "1.0.0"
    next_steps:
      - id: "model-platform"
        label: "特征供模型评分"
  - id: "model-platform"
    title: "模型平台"
    service:
      id: "model-platform"
      version: "1.0.0"
    next_steps:
      - id: "decision-engine"
        label: "模型结果进入决策"
  - id: "decision-engine"
    title: "决策引擎"
    service:
      id: "decision-engine"
      version: "1.0.0"
    next_steps:
      - id: "risk-decision-made"
        label: "输出授信决策"
  - id: "risk-decision-made"
    title: "Risk Decision Made"
    message:
      id: "risk-decision-made"
      version: "1.0.0"
    next_step:
      id: "credit-center"
      label: "审批处理"
  - id: "credit-center-approval"
    title: "授信审批"
    service:
      id: "credit-center"
      version: "1.0.0"
    next_steps:
      - id: "credit-line-approved"
        label: "授信通过"
  - id: "credit-line-approved"
    title: "Credit Line Approved"
    message:
      id: "credit-line-approved"
      version: "1.0.0"
    next_step:
      id: "credit-limit-center"
      label: "生成额度账户"
  - id: "credit-limit-center"
    title: "额度管理"
    service:
      id: "credit-limit-center"
      version: "1.0.0"
    next_steps:
      - id: "credit-line-frozen"
        label: "额度可冻结"
      - id: "credit-reserved"
        label: "额度可占用"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

覆盖授信申请、特征采集、策略模型决策、人审或自动审批、授信额度生成，以及额度冻结、占用和释放。

<NodeGraph />

---
id: "customer-onboarding"
name: "客户准入流程"
version: "1.0.0"
order: 1
summary: "覆盖注册登录、KYC 实名、用户授权、黑名单和反欺诈校验、客户主档建档，形成客户准入事实。"
owners:
  - "architecture-governance"
steps:
  - id: "app-user"
    title: "APP 用户"
    summary: "用户在市场 APP 发起注册、登录和准入申请"
    actor:
      name: "APP 用户"
    next_step:
      id: "bff-system"
      label: "提交准入意图"
  - id: "bff-system"
    title: "市场 BFF"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps:
      - id: "customer-center"
        label: "创建/查询用户"
  - id: "customer-center"
    title: "用户中心"
    service:
      id: "customer-center"
      version: "1.0.0"
    next_steps:
      - id: "customer-registered"
        label: "用户注册完成"
  - id: "customer-registered"
    title: "Customer Registered"
    message:
      id: "customer-registered"
      version: "1.0.0"
    next_step:
      id: "kyc-service"
      label: "发起实名认证"
  - id: "kyc-service"
    title: "KYC服务"
    service:
      id: "kyc-service"
      version: "1.0.0"
    next_steps:
      - id: "kyc-completed"
        label: "KYC 完成"
  - id: "kyc-completed"
    title: "KYC Completed"
    message:
      id: "kyc-completed"
      version: "1.0.0"
    next_step:
      id: "authorization-center"
      label: "采集用户授权"
  - id: "authorization-center"
    title: "用户授权"
    service:
      id: "authorization-center"
      version: "1.0.0"
    next_steps:
      - id: "consent-granted"
        label: "授权完成"
  - id: "consent-granted"
    title: "Consent Granted"
    message:
      id: "consent-granted"
      version: "1.0.0"
    next_step:
      id: "decision-engine"
      label: "准入风控校验"
  - id: "decision-engine"
    title: "决策引擎"
    service:
      id: "decision-engine"
      version: "1.0.0"
    next_steps:
      - id: "risk-decision-made"
        label: "准入决策输出"
  - id: "risk-decision-made"
    title: "Risk Decision Made"
    message:
      id: "risk-decision-made"
      version: "1.0.0"
    next_step:
      id: "customer-master"
      label: "客户主档建档"
  - id: "customer-master"
    title: "客户主档"
    service:
      id: "customer-master"
      version: "1.0.0"
    next_steps:
      - id: "query-product-offer"
        label: "允许产品查询"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

覆盖注册登录、KYC 实名、用户授权、黑名单和反欺诈校验、客户主档建档，形成客户准入事实。

<NodeGraph />

---
id: "extension"
name: "展期流程"
version: "1.0.0"
order: 8
summary: "展期系统统一处理展期资格判断、展期试算、展期费用支付、账务处理、还款计划调整和资产状态更新。"
owners:
  - "architecture-governance"
steps:
  - id: "extension-user"
    title: "借款用户"
    summary: "用户申请展期"
    actor:
      name: "借款用户"
    next_step:
      id: "create-extension-order"
      label: "创建展期订单"
  - id: "create-extension-order"
    title: "Create Extension Order"
    message:
      id: "create-extension-order"
      version: "1.0.0"
    next_step:
      id: "extension-engine"
      label: "进入展期系统"
  - id: "extension-engine"
    title: "展期系统"
    service:
      id: "extension-engine"
      version: "1.0.0"
    next_steps:
      - id: "asset-center"
        label: "资格校验"
      - id: "calculate-repayment-plan"
        label: "展期试算"
  - id: "calculate-repayment-plan"
    title: "Calculate Repayment Plan"
    message:
      id: "calculate-repayment-plan"
      version: "1.0.0"
    next_step:
      id: "product-calculation-service"
      label: "计算展期后计划"
  - id: "product-calculation-service"
    title: "产品试算服务"
    service:
      id: "product-calculation-service"
      version: "1.0.0"
    next_steps:
      - id: "repayment-plan-calculated"
        label: "展期计划计算完成"
  - id: "repayment-plan-calculated"
    title: "Repayment Plan Calculated"
    message:
      id: "repayment-plan-calculated"
      version: "1.0.0"
    next_step:
      id: "extension-engine"
      label: "确认展期方案"
  - id: "extension-engine-payment"
    title: "展期系统：费用支付"
    service:
      id: "extension-engine"
      version: "1.0.0"
    next_steps:
      - id: "initiate-payment"
        label: "发起展期费用支付"
  - id: "initiate-payment"
    title: "Initiate Payment"
    message:
      id: "initiate-payment"
      version: "1.0.0"
    next_step:
      id: "payment-system"
      label: "支付展期费用"
  - id: "payment-system"
    title: "支付系统"
    service:
      id: "payment-system"
      version: "1.0.0"
    next_steps:
      - id: "payment-succeeded"
        label: "费用支付成功"
  - id: "payment-succeeded"
    title: "Payment Succeeded"
    message:
      id: "payment-succeeded"
      version: "1.0.0"
    next_step:
      id: "extension-engine"
      label: "展期成功确认"
  - id: "extension-engine-success"
    title: "展期系统"
    service:
      id: "extension-engine"
      version: "1.0.0"
    next_steps:
      - id: "extension-succeeded"
        label: "展期成功事件"
  - id: "extension-succeeded"
    title: "Extension Succeeded"
    message:
      id: "extension-succeeded"
      version: "1.0.0"
    next_step:
      id: "accounting-center"
      label: "展期账务处理"
  - id: "accounting-center"
    title: "账本服务"
    service:
      id: "accounting-center"
      version: "1.0.0"
    next_steps:
      - id: "accounting-entry-posted"
        label: "展期分录完成"
  - id: "accounting-entry-posted"
    title: "Accounting Entry Posted"
    message:
      id: "accounting-entry-posted"
      version: "1.0.0"
    next_step:
      id: "asset-center"
      label: "资产计划调整"
  - id: "asset-center"
    title: "资产管理"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "asset-posting-applied"
        label: "资产状态更新"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

展期系统统一处理展期资格判断、展期试算、展期费用支付、账务处理、还款计划调整和资产状态更新。

<NodeGraph />

---
id: "financial-accounting"
name: "财务核算流程"
version: "1.0.0"
order: 12
summary: "财务核算基于账本服务和清结算结果完成收入确认、成本确认、减免/优惠券冲收入、财务凭证生成和财务报表输出。"
owners:
  - "architecture-governance"
steps:
  - id: "finance-period-close"
    title: "财务核算触发"
    summary: "按日终、月结或业务事件触发财务核算"
    actor:
      name: "财务核算触发"
    next_step:
      id: "accounting-entry-posted"
      label: "获取账务事实"
  - id: "accounting-entry-posted"
    title: "Accounting Entry Posted"
    message:
      id: "accounting-entry-posted"
      version: "1.0.0"
    next_step:
      id: "financial-accounting-system"
      label: "收入/成本确认"
  - id: "financial-accounting-system"
    title: "财务核算"
    service:
      id: "financial-accounting-system"
      version: "1.0.0"
    next_steps:
      - id: "settlement-order-created"
        label: "关联结算结果"
      - id: "supplier-settlement-system"
        label: "归集供应商成本"
  - id: "settlement-order-created"
    title: "Settlement Order Created"
    message:
      id: "settlement-order-created"
      version: "1.0.0"
    next_step:
      id: "financial-system"
      label: "生成财务凭证"
  - id: "financial-system"
    title: "财务系统"
    service:
      id: "financial-system"
      version: "1.0.0"
    next_steps:
      - id: "financial-report-service"
        label: "输出财务报表"
  - id: "financial-report-service"
    title: "财务报表"
    service:
      id: "financial-report-service"
      version: "1.0.0"
    next_steps:
      - id: "compliance-report-submitted"
        label: "报表数据可供监管报送"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

财务核算基于账本服务和清结算结果完成收入确认、成本确认、减免/优惠券冲收入、财务凭证生成和财务报表输出。

<NodeGraph />

---
id: "loan-application-disbursement"
name: "借款申请与放款流程"
version: "1.0.0"
order: 4
summary: "借款用户请求放款系统提交借款申请；放款系统依次编排支用审批、资金路由、资金预占、PartnerHub 资方放款、支付出金、账务记账、资产和还款计划生成，最后更新放款状态并发出放款成功事件。"
owners:
  - "architecture-governance"
steps:
  - id: "borrower"
    title: "借款用户"
    summary: "借款用户请求放款系统提交借款申请"
    actor:
      name: "借款用户"
    next_step:
      id: "submit-loan-application"
      label: "提交借款申请"
  - id: "submit-loan-application"
    title: "Submit Loan Application"
    message:
      id: "submit-loan-application"
      version: "1.0.0"
    next_step:
      id: "loan-engine"
      label: "放款系统受理"
  - id: "loan-engine"
    title: "放款系统"
    service:
      id: "loan-engine"
      version: "1.0.0"
    next_steps:
      - id: "loan-application-created"
        label: "创建借款申请"
      - id: "route-funds"
        label: "支用审批通过后请求资金路由"
      - id: "reserve-funds"
        label: "接收资方后请求资金预占"
      - id: "disbursement-requested"
        label: "预占成功后请求 PartnerHub 资方放款"
      - id: "post-ledger-event"
        label: "资方放款成功后提交账本事件"
      - id: "create-loan-contract"
        label: "记账成功后请求生成资产和还款计划"
      - id: "disbursement-succeeded"
        label: "资产和计划生成后发出放款成功事件"
  - id: "loan-application-created"
    title: "Loan Application Created"
    message:
      id: "loan-application-created"
      version: "1.0.0"
    next_step:
      id: "decision-engine"
      label: "请求支用审批"
  - id: "decision-engine"
    title: "风控系统"
    service:
      id: "decision-engine"
      version: "1.0.0"
    next_steps:
      - id: "risk-decision-made"
        label: "支用审批通过"
  - id: "risk-decision-made"
    title: "Risk Decision Made"
    message:
      id: "risk-decision-made"
      version: "1.0.0"
    next_step:
      id: "loan-engine"
      label: "返回支用审批结果"
  - id: "route-funds"
    title: "Route Funds"
    message:
      id: "route-funds"
      version: "1.0.0"
    next_step:
      id: "fund-routing-system"
      label: "选择合适资金方"
  - id: "fund-routing-system"
    title: "资金路由系统"
    service:
      id: "fund-routing-system"
      version: "1.0.0"
    next_steps:
      - id: "fund-route-selected"
        label: "返回资金方"
  - id: "fund-route-selected"
    title: "Fund Route Selected"
    message:
      id: "fund-route-selected"
      version: "1.0.0"
    next_step:
      id: "loan-engine"
      label: "放款系统接收资方"
  - id: "reserve-funds"
    title: "Reserve Funds"
    message:
      id: "reserve-funds"
      version: "1.0.0"
    next_step:
      id: "fund-management-system"
      label: "资金可用校验与预占"
  - id: "fund-management-system"
    title: "资金管理系统"
    service:
      id: "fund-management-system"
      version: "1.0.0"
    next_steps:
      - id: "fund-reserved"
        label: "资金预占成功"
  - id: "fund-reserved"
    title: "Fund Reserved"
    message:
      id: "fund-reserved"
      version: "1.0.0"
    next_step:
      id: "loan-engine"
      label: "允许发起资方放款"
  - id: "disbursement-requested"
    title: "Disbursement Requested"
    message:
      id: "disbursement-requested"
      version: "1.0.0"
    next_step:
      id: "partner-hub"
      label: "调用资方放款服务"
  - id: "partner-hub"
    title: "PartnerHub：资方放款服务"
    service:
      id: "partner-hub"
      version: "1.0.0"
    next_steps:
      - id: "initiate-payment"
        label: "托管我方支付时调用出金接口"
      - id: "partner-disbursement-succeeded"
        label: "支付出金成功后返回放款成功"
  - id: "initiate-payment"
    title: "Initiate Payment"
    message:
      id: "initiate-payment"
      version: "1.0.0"
    next_step:
      id: "payment-system-payout"
      label: "支付系统出金"
  - id: "payment-system-payout"
    title: "支付系统"
    service:
      id: "payment-system"
      version: "1.0.0"
    next_steps:
      - id: "payment-succeeded"
        label: "出金成功"
  - id: "payment-succeeded"
    title: "Payment Succeeded"
    message:
      id: "payment-succeeded"
      version: "1.0.0"
    next_step:
      id: "partner-hub"
      label: "通知资方放款服务"
  - id: "partner-disbursement-succeeded"
    title: "Partner Disbursement Succeeded"
    message:
      id: "partner-disbursement-succeeded"
      version: "1.0.0"
    next_step:
      id: "loan-engine"
      label: "放款系统确认资方成功"
  - id: "post-ledger-event"
    title: "Post Ledger Event"
    message:
      id: "post-ledger-event"
      version: "1.0.0"
    next_step:
      id: "accounting-center"
      label: "账务系统记账"
  - id: "accounting-center"
    title: "账本服务"
    service:
      id: "accounting-center"
      version: "1.0.0"
    next_steps:
      - id: "accounting-entry-posted"
        label: "记账成功"
  - id: "accounting-entry-posted"
    title: "Accounting Entry Posted"
    message:
      id: "accounting-entry-posted"
      version: "1.0.0"
    next_step:
      id: "loan-engine"
      label: "通知放款系统记账成功"
  - id: "create-loan-contract"
    title: "Create Loan Contract"
    message:
      id: "create-loan-contract"
      version: "1.0.0"
    next_step:
      id: "asset-center"
      label: "资产中心生成资产"
  - id: "asset-center"
    title: "资产中心"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "loan-note-created"
        label: "资产生成成功"
      - id: "repayment-schedule-generated"
        label: "继续生成还款计划"
  - id: "loan-note-created"
    title: "Loan Note Created"
    message:
      id: "loan-note-created"
      version: "1.0.0"
    next_step:
      id: "asset-center"
      label: "继续生成还款计划"
  - id: "repayment-schedule-generated"
    title: "Repayment Schedule Generated"
    message:
      id: "repayment-schedule-generated"
      version: "1.0.0"
    next_step:
      id: "loan-engine"
      label: "返回资产和计划结果"
  - id: "disbursement-succeeded"
    title: "Disbursement Succeeded"
    message:
      id: "disbursement-succeeded"
      version: "1.0.0"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

借款用户请求放款系统提交借款申请；放款系统依次编排支用审批、资金路由、资金预占、PartnerHub 资方放款、支付出金、账务记账、资产和还款计划生成，最后更新放款状态并发出放款成功事件。

<NodeGraph />

---
id: "marketing-operations"
name: "会员权益/营销运营流程"
version: "1.0.0"
order: 15
summary: "营销运营域协同完成活动配置、优惠券发放、会员权益购买、权益履约、权益退款、营销触达和效果回流。"
owners:
  - "architecture-governance"
steps:
  - id: "ops-user"
    title: "运营人员"
    summary: "配置活动、会员和权益商品"
    actor:
      name: "运营人员"
    next_step:
      id: "campaign-center"
      label: "创建运营活动"
  - id: "campaign-center"
    title: "活动中心"
    service:
      id: "campaign-center"
      version: "1.0.0"
    next_steps:
      - id: "campaign-published"
        label: "活动发布"
  - id: "campaign-published"
    title: "Campaign Published"
    message:
      id: "campaign-published"
      version: "1.0.0"
    next_step:
      id: "marketing-center"
      label: "运营投放"
  - id: "marketing-center"
    title: "运营平台"
    service:
      id: "marketing-center"
      version: "1.0.0"
    next_steps:
      - id: "member-center"
        label: "匹配会员资格"
      - id: "send-notification"
        label: "营销触达"
  - id: "send-notification"
    title: "Send Notification"
    message:
      id: "send-notification"
      version: "1.0.0"
    next_step:
      id: "outreach-system"
      label: "执行触达"
  - id: "outreach-system"
    title: "触达系统"
    service:
      id: "outreach-system"
      version: "1.0.0"
    next_steps:
      - id: "message-dispatched"
        label: "触达完成"
  - id: "message-dispatched"
    title: "Message Dispatched"
    message:
      id: "message-dispatched"
      version: "1.0.0"
    next_step:
      id: "bff-system"
      label: "用户进入权益购买"
  - id: "bff-system"
    title: "市场 BFF"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps:
      - id: "create-benefit-order"
        label: "创建权益订单"
  - id: "create-benefit-order"
    title: "Create Benefit Order"
    message:
      id: "create-benefit-order"
      version: "1.0.0"
    next_step:
      id: "benefit-trade-center"
      label: "权益交易"
  - id: "benefit-trade-center"
    title: "权益商品交易中心"
    service:
      id: "benefit-trade-center"
      version: "1.0.0"
    next_steps:
      - id: "benefit-order-created"
        label: "订单创建"
      - id: "initiate-payment"
        label: "发起支付"
  - id: "initiate-payment"
    title: "Initiate Payment"
    message:
      id: "initiate-payment"
      version: "1.0.0"
    next_step:
      id: "payment-system"
      label: "支付处理"
  - id: "payment-system-benefit"
    title: "支付系统"
    service:
      id: "payment-system"
      version: "1.0.0"
    next_steps:
      - id: "payment-succeeded"
        label: "支付成功"
  - id: "payment-succeeded"
    title: "Payment Succeeded"
    message:
      id: "payment-succeeded"
      version: "1.0.0"
    next_step:
      id: "benefit-trade-center"
      label: "确认权益支付"
  - id: "benefit-trade-center-paid"
    title: "权益交易中心"
    service:
      id: "benefit-trade-center"
      version: "1.0.0"
    next_steps:
      - id: "benefit-payment-succeeded"
        label: "支付成功事件"
      - id: "fulfill-benefit-order"
        label: "请求履约"
  - id: "fulfill-benefit-order"
    title: "Fulfill Benefit Order"
    message:
      id: "fulfill-benefit-order"
      version: "1.0.0"
    next_step:
      id: "benefit-goods-center"
      label: "权益履约"
  - id: "benefit-goods-center"
    title: "权益中心"
    service:
      id: "benefit-goods-center"
      version: "1.0.0"
    next_steps:
      - id: "benefit-fulfilled"
        label: "履约完成"
  - id: "benefit-fulfilled"
    title: "Benefit Fulfilled"
    message:
      id: "benefit-fulfilled"
      version: "1.0.0"
    next_step:
      id: "marketing-center"
      label: "效果回流"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

营销运营域协同完成活动配置、优惠券发放、会员权益购买、权益履约、权益退款、营销触达和效果回流。

<NodeGraph />

---
id: "open-integration-governance"
name: "开放集成流程"
version: "1.0.0"
order: 14
summary: "机构管理统一治理资金方、保险公司、支付通道和合作机构接入，并通过 API 网关、签名、鉴权、限流和监控形成开放集成标准。"
owners:
  - "architecture-governance"
steps:
  - id: "partner-operator"
    title: "合作机构运营/技术"
    summary: "提交资金方、支付通道、保险公司或合作机构接入需求"
    actor:
      name: "合作机构运营/技术"
    next_step:
      id: "partner-hub"
      label: "提交机构接入"
  - id: "partner-hub"
    title: "机构管理"
    service:
      id: "partner-hub"
      version: "1.0.0"
    next_steps:
      - id: "sync-partner-institution"
        label: "同步机构资料"
  - id: "sync-partner-institution"
    title: "Sync Partner Institution"
    message:
      id: "sync-partner-institution"
      version: "1.0.0"
    next_step:
      id: "due-diligence-system"
      label: "尽调准入"
  - id: "due-diligence-system"
    title: "尽调系统"
    service:
      id: "due-diligence-system"
      version: "1.0.0"
    next_steps:
      - id: "due-diligence-completed"
        label: "尽调完成"
  - id: "due-diligence-completed"
    title: "Due Diligence Completed"
    message:
      id: "due-diligence-completed"
      version: "1.0.0"
    next_step:
      id: "partner-hub"
      label: "机构准入通过"
  - id: "partner-hub-approved"
    title: "机构管理"
    service:
      id: "partner-hub"
      version: "1.0.0"
    next_steps:
      - id: "funding-partner-integration"
        label: "资金方接入"
      - id: "insurance-company-integration"
        label: "保险公司接入"
      - id: "payment-system"
        label: "支付通道配置"
  - id: "funding-partner-integration"
    title: "资金方接入"
    service:
      id: "funding-partner-integration"
      version: "1.0.0"
    next_steps:
      - id: "partner-integration-status-changed"
        label: "接入状态变更"
  - id: "partner-integration-status-changed"
    title: "Partner Integration Status Changed"
    message:
      id: "partner-integration-status-changed"
      version: "1.0.0"
    next_step:
      id: "fund-management-system"
      label: "资金路由可用"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

机构管理统一治理资金方、保险公司、支付通道和合作机构接入，并通过 API 网关、签名、鉴权、限流和监控形成开放集成标准。

<NodeGraph />

---
id: "overdue-post-loan-operations"
name: "逾期与贷后作业流程"
version: "1.0.0"
order: 9
summary: "资产管理识别逾期后进入催收系统，催收、触达、客服、工单和智能应用协同完成贷后作业。"
owners:
  - "architecture-governance"
steps:
  - id: "overdue-detected"
    title: "逾期识别"
    summary: "资产管理根据还款计划识别逾期"
    actor:
      name: "逾期识别"
    next_step:
      id: "asset-center"
      label: "识别逾期资产"
  - id: "asset-center"
    title: "资产管理"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "collection-system"
        label: "移交贷后案件"
  - id: "collection-system-case"
    title: "催收系统"
    service:
      id: "collection-system"
      version: "1.0.0"
    next_steps:
      - id: "collection-case-created"
        label: "案件生成"
  - id: "collection-case-created"
    title: "Collection Case Created"
    message:
      id: "collection-case-created"
      version: "1.0.0"
    next_step:
      id: "intelligent-application"
      label: "智能分案/辅助"
  - id: "intelligent-application"
    title: "智能应用"
    service:
      id: "intelligent-application"
      version: "1.0.0"
    next_steps:
      - id: "collection-system"
        label: "返回作业建议"
  - id: "collection-system"
    title: "催收系统"
    service:
      id: "collection-system"
      version: "1.0.0"
    next_steps:
      - id: "send-notification"
        label: "触达提醒"
      - id: "work-order-center"
        label: "创建协同工单"
  - id: "send-notification"
    title: "Send Notification"
    message:
      id: "send-notification"
      version: "1.0.0"
    next_step:
      id: "outreach-system"
      label: "执行触达"
  - id: "outreach-system"
    title: "触达系统"
    service:
      id: "outreach-system"
      version: "1.0.0"
    next_steps:
      - id: "message-dispatched"
        label: "触达完成"
  - id: "message-dispatched"
    title: "Message Dispatched"
    message:
      id: "message-dispatched"
      version: "1.0.0"
    next_step:
      id: "collection-system"
      label: "催收跟进"
  - id: "work-order-center"
    title: "工单中心"
    service:
      id: "work-order-center"
      version: "1.0.0"
    next_steps:
      - id: "work-order-created"
        label: "工单创建"
  - id: "work-order-created"
    title: "Work Order Created"
    message:
      id: "work-order-created"
      version: "1.0.0"
    next_step:
      id: "customer-service-system"
      label: "客服协同"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

资产管理识别逾期后进入催收系统，催收、触达、客服、工单和智能应用协同完成贷后作业。

<NodeGraph />

---
id: "product-distribution"
name: "产品下单流程"
version: "1.0.0"
order: 3
summary: "用户获得授信额度后，在 APP/BFF 查看平台匹配的可借 offer，查看 offer 详情和前置收费说明，通过产品试算获取到账金额、费用明细和还款计划，选择某个 offer 后确认下单，后续进入借款申请与放款流程。"
owners:
  - "architecture-governance"
steps:
  - id: "credited-borrower"
    title: "已授信用户"
    summary: "用户获得授信额度后进入借款页，查看平台给出的可借 offer"
    actor:
      name: "已授信用户"
    next_step:
      id: "bff-system"
      label: "查看可借 offer"
  - id: "bff-system"
    title: "市场 APP/BFF"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps:
      - id: "query-product-offer"
        label: "携带国家、渠道、客群、授信额度查询 offer"
      - id: "query-offer-detail"
        label: "用户查看 offer 详情和前置收费说明"
      - id: "submit-loan-application"
        label: "用户选择 offer 并确认下单"
  - id: "query-product-offer"
    title: "Query Product Offer"
    message:
      id: "query-product-offer"
      version: "1.0.0"
    next_step:
      id: "product-distribution-service"
      label: "查询可借 offer"
  - id: "product-distribution-service"
    title: "产品分发服务"
    service:
      id: "product-distribution-service"
      version: "1.0.0"
    next_steps:
      - id: "execute-risk-review"
        label: "调用风控产品分发策略获取定价和可借期限"
      - id: "product-offer-distributed"
        label: "组装并返回可借 offer 列表"
  - id: "execute-risk-review"
    title: "Execute Risk Review"
    message:
      id: "execute-risk-review"
      version: "1.0.0"
    next_step:
      id: "decision-engine"
      label: "执行产品分发策略"
  - id: "decision-engine"
    title: "风控系统：产品分发策略"
    service:
      id: "decision-engine"
      version: "1.0.0"
    next_steps:
      - id: "risk-decision-made"
        label: "返回用户定价、可借期限和分发约束"
  - id: "risk-decision-made"
    title: "Risk Decision Made"
    message:
      id: "risk-decision-made"
      version: "1.0.0"
    next_step:
      id: "product-distribution-service"
      label: "返回产品分发策略结果"
  - id: "product-offer-distributed"
    title: "Product Offer Distributed"
    message:
      id: "product-offer-distributed"
      version: "1.0.0"
    next_step:
      id: "bff-system"
      label: "展示可借 offer 列表"
  - id: "query-offer-detail"
    title: "Query Product Offer"
    message:
      id: "query-product-offer"
      version: "1.0.0"
    next_step:
      id: "product-calculation-service"
      label: "请求产品试算"
  - id: "product-calculation-service"
    title: "产品试算服务"
    service:
      id: "product-calculation-service"
      version: "1.0.0"
    next_steps:
      - id: "repayment-plan-calculated"
        label: "返回到账金额、费用明细和还款计划"
  - id: "repayment-plan-calculated"
    title: "Repayment Plan Calculated"
    message:
      id: "repayment-plan-calculated"
      version: "1.0.0"
    next_step:
      id: "bff-system"
      label: "展示到账金额、费用明细和还款计划"
  - id: "submit-loan-application"
    title: "Submit Loan Application"
    message:
      id: "submit-loan-application"
      version: "1.0.0"
    next_step:
      id: "loan-engine"
      label: "进入借款申请与放款流程"
  - id: "loan-engine"
    title: "放款系统"
    service:
      id: "loan-engine"
      version: "1.0.0"
    next_steps: []
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

用户获得授信额度后，在 APP/BFF 查看平台匹配的可借 offer，查看 offer 详情和前置收费说明，通过产品试算获取到账金额、费用明细和还款计划，选择某个 offer 后确认下单，后续进入借款申请与放款流程。

<NodeGraph />

---
id: "refund-and-reversal-lifecycle"
name: "放款冲正与还款退款流程"
version: "1.0.0"
order: 7
summary: "退款冲正服务统一定位原交易、校验原支付和原账务，资金处理成功后追加冲正或退款分录，再触发资产冲回或重算。"
owners:
  - "architecture-governance"
steps:
  - id: "ops-or-customer-service"
    title: "运营/客服"
    summary: "发现放款异常、重复还款、超额还款或错误扣款"
    actor:
      name: "运营/客服"
    next_step:
      id: "refund-reversal-service"
      label: "发起退款/冲正"
  - id: "refund-reversal-service"
    title: "退款冲正服务"
    service:
      id: "refund-reversal-service"
      version: "1.0.0"
    next_steps:
      - id: "create-repayment-refund"
        label: "还款退款申请"
      - id: "reverse-disbursement"
        label: "放款冲正申请"
  - id: "create-repayment-refund"
    title: "Create Repayment Refund"
    message:
      id: "create-repayment-refund"
      version: "1.0.0"
    next_step:
      id: "payment-system"
      label: "发起退款支付"
  - id: "payment-system-refund"
    title: "支付系统"
    service:
      id: "payment-system"
      version: "1.0.0"
    next_steps:
      - id: "refund-succeeded"
        label: "退款成功"
  - id: "refund-succeeded"
    title: "Refund Succeeded"
    message:
      id: "refund-succeeded"
      version: "1.0.0"
    next_step:
      id: "refund-reversal-service"
      label: "确认退款资金事实"
  - id: "refund-reversal-success"
    title: "退款冲正服务"
    service:
      id: "refund-reversal-service"
      version: "1.0.0"
    next_steps:
      - id: "repayment-refunded"
        label: "还款退款事件"
      - id: "disbursement-reversed"
        label: "放款冲正事件"
  - id: "repayment-refunded"
    title: "Repayment Refunded"
    message:
      id: "repayment-refunded"
      version: "1.0.0"
    next_step:
      id: "accounting-center"
      label: "退款分录"
  - id: "disbursement-reversed"
    title: "Disbursement Reversed"
    message:
      id: "disbursement-reversed"
      version: "1.0.0"
    next_step:
      id: "accounting-center"
      label: "冲正分录"
  - id: "accounting-center-reversal"
    title: "账本服务"
    service:
      id: "accounting-center"
      version: "1.0.0"
    next_steps:
      - id: "accounting-entry-reversed"
        label: "反向分录完成"
  - id: "accounting-entry-reversed"
    title: "Accounting Entry Reversed"
    message:
      id: "accounting-entry-reversed"
      version: "1.0.0"
    next_step:
      id: "asset-center"
      label: "资产重算/冲回"
  - id: "asset-center-reversal"
    title: "资产管理"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "asset-posting-applied"
        label: "资产状态更新"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

退款冲正服务统一定位原交易、校验原支付和原账务，资金处理成功后追加冲正或退款分录，再触发资产冲回或重算。

<NodeGraph />

---
id: "repayment"
name: "还款流程"
version: "1.0.0"
order: 6
summary: "用户还款包含应还查询、还款场景试算、确认还款与还款方式生成、还款入金和账务/资产入账四个子流程；支持取消借款、提前结清、正常还款，入账结果可能为单期结清、整笔结清或部分还款。"
owners:
  - "architecture-governance"
steps:
  - id: "repayment-subflow-due-list"
    title: "子流程1：用户查看应还列表"
    summary: "用户进入还款页，BFF 调用资产中心应还查询服务，返回每笔资产的到期时间、应还金额、资产状态和可还场景。"
    actor:
      name: "子流程1：用户查看应还列表"
    next_step:
      id: "bff-due-list"
      label: "进入还款页"
  - id: "bff-due-list"
    title: "市场 APP/BFF（应还列表）"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps:
      - id: "query-asset-due-list"
        label: "调用资产中心应还查询服务"
  - id: "query-asset-due-list"
    title: "Query Asset Due List"
    message:
      id: "query-asset-due-list"
      version: "1.0.0"
    next_step:
      id: "asset-center-due-list"
      label: "查询每笔资产到期时间和应还金额"
  - id: "asset-center-due-list"
    title: "资产中心（应还查询）"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "asset-due-list-queried"
        label: "返回应还列表、到期时间、应还金额"
  - id: "asset-due-list-queried"
    title: "Asset Due List Queried"
    message:
      id: "asset-due-list-queried"
      version: "1.0.0"
    next_step:
      id: "bff-due-list-result"
      label: "返回应还列表"
  - id: "bff-due-list-result"
    title: "市场 APP/BFF（展示应还列表）"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps: []
  - id: "repayment-subflow-calculation"
    title: "子流程2：还款场景试算"
    summary: "用户选择取消借款、提前结清或正常还款，BFF 调用资产中心还款试算；资产中心按场景调用产品中心试算并汇总已还本息费、额外收费和还款计划。"
    actor:
      name: "子流程2：还款场景试算"
    next_step:
      id: "bff-repayment-calculation"
      label: "选择还款场景"
  - id: "bff-repayment-calculation"
    title: "市场 APP/BFF（还款试算）"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps:
      - id: "calculate-cancel-repayment-posting"
        label: "取消借款：请求还款试算"
      - id: "calculate-early-settlement-posting"
        label: "提前结清：请求还款试算"
      - id: "calculate-normal-repayment-posting"
        label: "正常还款：请求还款试算"
  - id: "calculate-cancel-repayment-posting"
    title: "Calculate Repayment Posting"
    message:
      id: "calculate-repayment-posting"
      version: "1.0.0"
    next_step:
      id: "asset-center-repayment-calculation"
      label: "取消借款试算"
  - id: "calculate-early-settlement-posting"
    title: "Calculate Repayment Posting"
    message:
      id: "calculate-repayment-posting"
      version: "1.0.0"
    next_step:
      id: "asset-center-repayment-calculation"
      label: "提前结清试算"
  - id: "calculate-normal-repayment-posting"
    title: "Calculate Repayment Posting"
    message:
      id: "calculate-repayment-posting"
      version: "1.0.0"
    next_step:
      id: "asset-center-repayment-calculation"
      label: "正常还款试算"
  - id: "asset-center-repayment-calculation"
    title: "资产中心（还款试算）"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "calculate-loan-cancel-repayment"
        label: "取消借款：整合已还本息费并调用还款取消试算服务"
      - id: "calculate-early-settlement"
        label: "提前结清：整合已还本息费并调用提前结清试算服务"
      - id: "repayment-posting-calculated"
        label: "正常还款：返回还款计划应还本息"
  - id: "calculate-loan-cancel-repayment"
    title: "Calculate Loan Cancel Repayment"
    message:
      id: "calculate-loan-cancel-repayment"
      version: "1.0.0"
    next_step:
      id: "product-calculation-service-repayment"
      label: "调用产品中心还款取消试算服务"
  - id: "calculate-early-settlement"
    title: "Calculate Early Settlement"
    message:
      id: "calculate-early-settlement"
      version: "1.0.0"
    next_step:
      id: "product-calculation-service-repayment"
      label: "调用产品中心提前结清试算服务"
  - id: "product-calculation-service-repayment"
    title: "产品试算服务（取消/提前结清）"
    service:
      id: "product-calculation-service"
      version: "1.0.0"
    next_steps:
      - id: "repayment-plan-calculated"
        label: "返回取消借款/提前结清试算结果"
  - id: "repayment-plan-calculated"
    title: "Repayment Plan Calculated"
    message:
      id: "repayment-plan-calculated"
      version: "1.0.0"
    next_step:
      id: "asset-center-repayment-calculation-result"
      label: "返回产品试算结果"
  - id: "asset-center-repayment-calculation-result"
    title: "资产中心（汇总试算结果）"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "repayment-posting-calculated-by-product"
        label: "汇总应还本息、已还本息费和额外收费"
  - id: "repayment-posting-calculated"
    title: "Repayment Posting Calculated"
    message:
      id: "repayment-posting-calculated"
      version: "1.0.0"
    next_step:
      id: "bff-repayment-calculation-result"
      label: "展示正常还款应还本息"
  - id: "repayment-posting-calculated-by-product"
    title: "Repayment Posting Calculated"
    message:
      id: "repayment-posting-calculated"
      version: "1.0.0"
    next_step:
      id: "bff-repayment-calculation-result"
      label: "展示取消借款/提前结清应还本息和额外收费"
  - id: "bff-repayment-calculation-result"
    title: "市场 APP/BFF（展示试算结果）"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps: []
  - id: "repayment-subflow-confirm"
    title: "子流程3：确认还款与还款方式生成"
    summary: "用户确认还款后，BFF 调用还款系统创建还款申请；还款系统做还款通道路由，选择具体资方或默认资方，并调用 PartnerHub 资方还款服务生成 QR/VA/DeepLink 等还款方式。"
    actor:
      name: "子流程3：确认还款与还款方式生成"
    next_step:
      id: "bff-confirm-repayment"
      label: "确认还款"
  - id: "bff-confirm-repayment"
    title: "市场 APP/BFF（确认还款）"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps:
      - id: "create-repayment-order"
        label: "调用还款申请服务"
  - id: "create-repayment-order"
    title: "Create Repayment Order"
    message:
      id: "create-repayment-order"
      version: "1.0.0"
    next_step:
      id: "repayment-engine-create-order"
      label: "进入还款系统"
  - id: "repayment-engine-create-order"
    title: "还款系统（创建还款申请）"
    service:
      id: "repayment-engine"
      version: "1.0.0"
    next_steps:
      - id: "repayment-order-created"
        label: "创建还款申请"
  - id: "repayment-order-created"
    title: "Repayment Order Created"
    message:
      id: "repayment-order-created"
      version: "1.0.0"
    next_step:
      id: "repayment-engine-route"
      label: "还款申请创建完成"
  - id: "repayment-engine-route"
    title: "还款系统（还款通道路由）"
    service:
      id: "repayment-engine"
      version: "1.0.0"
    next_steps:
      - id: "repayment-route-selected"
        label: "根据资产和还款人选择具体资方或默认资方"
  - id: "repayment-route-selected"
    title: "Repayment Route Selected"
    message:
      id: "repayment-route-selected"
      version: "1.0.0"
    next_step:
      id: "repayment-engine-partner-request"
      label: "还款路由返回资方"
  - id: "repayment-engine-partner-request"
    title: "还款系统（调用资方还款）"
    service:
      id: "repayment-engine"
      version: "1.0.0"
    next_steps:
      - id: "request-partner-repayment"
        label: "调用 PartnerHub 资方还款服务"
  - id: "request-partner-repayment"
    title: "Request Partner Repayment"
    message:
      id: "request-partner-repayment"
      version: "1.0.0"
    next_step:
      id: "partner-hub-repayment-method"
      label: "调用资方还款服务"
  - id: "partner-hub-repayment-method"
    title: "PartnerHub（资方还款服务）"
    service:
      id: "partner-hub"
      version: "1.0.0"
    next_steps:
      - id: "repayment-method-created-external"
        label: "资方自收：外部资方系统返回 QR/VA/DeepLink"
      - id: "create-repayment-method"
        label: "托管支付通道资方：调用支付系统入金申请"
  - id: "create-repayment-method"
    title: "Create Repayment Method"
    message:
      id: "create-repayment-method"
      version: "1.0.0"
    next_step:
      id: "payment-system-repayment-method"
      label: "请求支付系统创建入金申请"
  - id: "payment-system-repayment-method"
    title: "支付系统（入金申请）"
    service:
      id: "payment-system"
      version: "1.0.0"
    next_steps:
      - id: "repayment-method-created-payment"
        label: "返回支持的还款方式"
  - id: "repayment-method-created-external"
    title: "Repayment Method Created"
    message:
      id: "repayment-method-created"
      version: "1.0.0"
    next_step:
      id: "bff-repayment-method"
      label: "外部资方系统返回还款方式"
  - id: "repayment-method-created-payment"
    title: "Repayment Method Created"
    message:
      id: "repayment-method-created"
      version: "1.0.0"
    next_step:
      id: "bff-repayment-method"
      label: "支付系统返回还款方式"
  - id: "bff-repayment-method"
    title: "市场 APP/BFF（展示还款方式）"
    service:
      id: "bff-system"
      version: "1.0.0"
    next_steps: []
  - id: "repayment-subflow-posting"
    title: "子流程4：还款入金和入账"
    summary: "用户通过 QR/VA/DeepLink 完成还款后，外部资方系统或 PSP 通知 PartnerHub；还款系统请求账务系统记账，资产中心根据还款分录冲抵本息费并处理单期结清、整笔结清或部分还款。"
    actor:
      name: "子流程4：还款入金和入账"
    next_step:
      id: "external-repayment-notified"
      label: "外部资方系统/PSP 通知还款结果"
  - id: "external-repayment-notified"
    title: "External Repayment Notified"
    message:
      id: "external-repayment-notified"
      version: "1.0.0"
    next_step:
      id: "partner-hub-repayment-posting"
      label: "PartnerHub 接收还款结果"
  - id: "partner-hub-repayment-posting"
    title: "PartnerHub（还款入账服务）"
    service:
      id: "partner-hub"
      version: "1.0.0"
    next_steps:
      - id: "partner-repayment-received"
        label: "通知还款系统入金成功"
  - id: "partner-repayment-received"
    title: "Partner Repayment Received"
    message:
      id: "partner-repayment-received"
      version: "1.0.0"
    next_step:
      id: "repayment-engine-posting"
      label: "通知还款系统入金成功"
  - id: "repayment-engine-posting"
    title: "还款系统（账务处理）"
    service:
      id: "repayment-engine"
      version: "1.0.0"
    next_steps:
      - id: "post-ledger-event"
        label: "请求账务系统记账"
  - id: "post-ledger-event"
    title: "Post Ledger Event"
    message:
      id: "post-ledger-event"
      version: "1.0.0"
    next_step:
      id: "accounting-center-repayment-posting"
      label: "账务系统记账并生成分录"
  - id: "accounting-center-repayment-posting"
    title: "账本服务（还款记账）"
    service:
      id: "accounting-center"
      version: "1.0.0"
    next_steps:
      - id: "accounting-entry-posted"
        label: "还款分录完成"
  - id: "accounting-entry-posted"
    title: "Accounting Entry Posted"
    message:
      id: "accounting-entry-posted"
      version: "1.0.0"
    next_step:
      id: "asset-center-repayment-posting"
      label: "资产中心根据分录入账"
  - id: "asset-center-repayment-posting"
    title: "资产中心（还款入账）"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "asset-posting-applied"
        label: "冲抵本息费并处理单期结清/整笔结清/部分还款"
      - id: "repayment-succeeded"
        label: "资产入账成功后发送还款成功通知"
  - id: "asset-posting-applied"
    title: "Asset Posting Applied"
    message:
      id: "asset-posting-applied"
      version: "1.0.0"
    next_step:
      id: "repayment-engine-posting-result"
      label: "还款入账状态已处理"
  - id: "repayment-engine-posting-result"
    title: "还款系统（同步还款结果）"
    service:
      id: "repayment-engine"
      version: "1.0.0"
    next_steps: []
  - id: "repayment-succeeded"
    title: "Repayment Succeeded"
    message:
      id: "repayment-succeeded"
      version: "1.0.0"
    next_step:
      id: "outreach-system-repayment-success"
      label: "发送还款成功通知"
  - id: "outreach-system-repayment-success"
    title: "触达系统（还款成功通知）"
    service:
      id: "outreach-system"
      version: "1.0.0"
    next_steps:
      - id: "message-dispatched"
        label: "还款成功通知发送"
  - id: "message-dispatched"
    title: "Message Dispatched"
    message:
      id: "message-dispatched"
      version: "1.0.0"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

用户还款包含应还查询、还款场景试算、确认还款与还款方式生成、还款入金和账务/资产入账四个子流程；支持取消借款、提前结清、正常还款，入账结果可能为单期结清、整笔结清或部分还款。

<NodeGraph />

---
id: "repayment-plan-generation"
name: "还款计划生成流程"
version: "1.0.0"
order: 5
summary: "产品试算服务依据产品规则生成还款计划，完成本金、利息、费用拆分、期次计划、应还、逾期和罚息规则计算，并由资产管理固化计划。"
owners:
  - "architecture-governance"
steps:
  - id: "loan-booked"
    title: "借据生效"
    summary: "放款账务确认后，资产管理需要生成还款计划"
    actor:
      name: "借据生效"
    next_step:
      id: "asset-center"
      label: "发起还款计划生成"
  - id: "asset-center"
    title: "资产管理"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "calculate-repayment-plan"
        label: "请求产品试算"
  - id: "calculate-repayment-plan"
    title: "Calculate Repayment Plan"
    message:
      id: "calculate-repayment-plan"
      version: "1.0.0"
    next_step:
      id: "product-calculation-service"
      label: "按产品规则计算"
  - id: "product-calculation-service"
    title: "产品试算服务"
    service:
      id: "product-calculation-service"
      version: "1.0.0"
    next_steps:
      - id: "repayment-plan-calculated"
        label: "本金/利息/费用/期次计算完成"
  - id: "repayment-plan-calculated"
    title: "Repayment Plan Calculated"
    message:
      id: "repayment-plan-calculated"
      version: "1.0.0"
    next_step:
      id: "repayment-plan-service"
      label: "固化期次计划"
  - id: "repayment-plan-service"
    title: "还款计划"
    service:
      id: "repayment-plan-service"
      version: "1.0.0"
    next_steps:
      - id: "repayment-schedule-generated"
        label: "还款计划生成"
  - id: "repayment-schedule-generated"
    title: "Repayment Schedule Generated"
    message:
      id: "repayment-schedule-generated"
      version: "1.0.0"
    next_step:
      id: "asset-center"
      label: "资产计划可用"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

产品试算服务依据产品规则生成还款计划，完成本金、利息、费用拆分、期次计划、应还、逾期和罚息规则计算，并由资产管理固化计划。

<NodeGraph />

---
id: "risk-strategy-closed-loop"
name: "风控策略闭环流程"
version: "1.0.0"
order: 13
summary: "风控域形成策略配置、决策执行、决策结果沉淀、贷中贷后表现回流、策略效果分析和策略迭代发布的闭环。"
owners:
  - "architecture-governance"
steps:
  - id: "risk-operator"
    title: "风控策略人员"
    summary: "配置策略、规则实验和模型版本"
    actor:
      name: "风控策略人员"
    next_step:
      id: "risk-strategy-center"
      label: "维护策略草稿"
  - id: "risk-strategy-center"
    title: "策略管理"
    service:
      id: "risk-strategy-center"
      version: "1.0.0"
    next_steps:
      - id: "risk-strategy-published"
        label: "策略发布"
  - id: "risk-strategy-published"
    title: "Risk Strategy Published"
    message:
      id: "risk-strategy-published"
      version: "1.0.0"
    next_step:
      id: "decision-engine"
      label: "策略版本生效"
  - id: "decision-engine"
    title: "决策引擎"
    service:
      id: "decision-engine"
      version: "1.0.0"
    next_steps:
      - id: "feature-platform"
        label: "读取特征"
      - id: "model-platform"
        label: "执行模型"
      - id: "risk-decision-made"
        label: "输出决策"
  - id: "risk-decision-made"
    title: "Risk Decision Made"
    message:
      id: "risk-decision-made"
      version: "1.0.0"
    next_step:
      id: "credit-center"
      label: "授信审批使用"
  - id: "credit-center"
    title: "授信审批"
    service:
      id: "credit-center"
      version: "1.0.0"
    next_steps:
      - id: "loan-engine"
        label: "借款表现跟踪"
  - id: "loan-engine"
    title: "放款系统"
    service:
      id: "loan-engine"
      version: "1.0.0"
    next_steps:
      - id: "asset-center"
        label: "贷中/贷后表现"
  - id: "asset-center"
    title: "资产管理"
    service:
      id: "asset-center"
      version: "1.0.0"
    next_steps:
      - id: "feature-platform"
        label: "表现特征回流"
  - id: "feature-platform"
    title: "特征平台"
    service:
      id: "feature-platform"
      version: "1.0.0"
    next_steps:
      - id: "risk-strategy-center"
        label: "策略效果分析"
badges:
  - content: "business-flow"
    backgroundColor: "purple"
    textColor: "purple"
---

## 说明

风控域形成策略配置、决策执行、决策结果沉淀、贷中贷后表现回流、策略效果分析和策略迭代发布的闭环。

<NodeGraph />