# 消费信贷参考平台 EventCatalog Documentation

> 基于消费信贷参考平台整体架构沉淀领域、系统、事件、命令和核心业务流程，帮助团队管理跨域协作边界与消息契约。

## Events
- [Accounting Entry Posted - accounting-entry-posted - 1.0.0 ](https://eventcatalog.dev/docs/events/accounting-entry-posted/1.0.0.mdx) - 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。- [Accounting Entry Reversed - accounting-entry-reversed - 1.0.0 ](https://eventcatalog.dev/docs/events/accounting-entry-reversed/1.0.0.mdx) - 账本服务完成反向分录或冲正分录入账。- [Asset Due List Queried - asset-due-list-queried - 1.0.0 ](https://eventcatalog.dev/docs/events/asset-due-list-queried/1.0.0.mdx) - 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。- [Asset Posting Applied - asset-posting-applied - 1.0.0 ](https://eventcatalog.dev/docs/events/asset-posting-applied/1.0.0.mdx) - 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。- [Benefit Fulfilled - benefit-fulfilled - 1.0.0 ](https://eventcatalog.dev/docs/events/benefit-fulfilled/1.0.0.mdx) - 权益商品履约完成。- [Benefit Order Created - benefit-order-created - 1.0.0 ](https://eventcatalog.dev/docs/events/benefit-order-created/1.0.0.mdx) - 权益商品订单创建完成。- [Benefit Payment Succeeded - benefit-payment-succeeded - 1.0.0 ](https://eventcatalog.dev/docs/events/benefit-payment-succeeded/1.0.0.mdx) - 权益商品支付成功。- [Benefit Refunded - benefit-refunded - 1.0.0 ](https://eventcatalog.dev/docs/events/benefit-refunded/1.0.0.mdx) - 权益商品退款完成。- [Campaign Published - campaign-published - 1.0.0 ](https://eventcatalog.dev/docs/events/campaign-published/1.0.0.mdx) - 活动中心发布活动配置。- [Clearing Allocation Completed - clearing-allocation-completed - 1.0.0 ](https://eventcatalog.dev/docs/events/clearing-allocation-completed/1.0.0.mdx) - 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。- [Collection Case Created - collection-case-created - 1.0.0 ](https://eventcatalog.dev/docs/events/collection-case-created/1.0.0.mdx) - 催收系统创建逾期或贷后案件。- [Compliance Report Submitted - compliance-report-submitted - 1.0.0 ](https://eventcatalog.dev/docs/events/compliance-report-submitted/1.0.0.mdx) - 合规系统完成监管数据或合规报送。- [Consent Granted - consent-granted - 1.0.0 ](https://eventcatalog.dev/docs/events/consent-granted/1.0.0.mdx) - 客户授权或隐私合规同意记录生效。- [Credit Line Approved - credit-line-approved - 1.0.0 ](https://eventcatalog.dev/docs/events/credit-line-approved/1.0.0.mdx) - 授信审批完成额度授予或调整。- [Credit Line Frozen - credit-line-frozen - 1.0.0 ](https://eventcatalog.dev/docs/events/credit-line-frozen/1.0.0.mdx) - 额度被额度管理冻结。- [Credit Released - credit-released - 1.0.0 ](https://eventcatalog.dev/docs/events/credit-released/1.0.0.mdx) - 还款或交易关闭后释放额度。- [Credit Reserved - credit-reserved - 1.0.0 ](https://eventcatalog.dev/docs/events/credit-reserved/1.0.0.mdx) - 贷款申请占用额度成功。- [Customer Registered - customer-registered - 1.0.0 ](https://eventcatalog.dev/docs/events/customer-registered/1.0.0.mdx) - 客户主档创建完成。- [Disbursement Failed - disbursement-failed - 1.0.0 ](https://eventcatalog.dev/docs/events/disbursement-failed/1.0.0.mdx) - 放款失败，需要释放冻结、冲回在途或进入差错处理。- [Disbursement Requested - disbursement-requested - 1.0.0 ](https://eventcatalog.dev/docs/events/disbursement-requested/1.0.0.mdx) - 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。- [Disbursement Reversed - disbursement-reversed - 1.0.0 ](https://eventcatalog.dev/docs/events/disbursement-reversed/1.0.0.mdx) - 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。- [Disbursement Succeeded - disbursement-succeeded - 1.0.0 ](https://eventcatalog.dev/docs/events/disbursement-succeeded/1.0.0.mdx) - 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。- [Due Diligence Completed - due-diligence-completed - 1.0.0 ](https://eventcatalog.dev/docs/events/due-diligence-completed/1.0.0.mdx) - 尽调系统完成合作机构、资金方或供应商尽调。- [Extension Order Created - extension-order-created - 1.0.0 ](https://eventcatalog.dev/docs/events/extension-order-created/1.0.0.mdx) - 展期订单创建完成。- [Extension Succeeded - extension-succeeded - 1.0.0 ](https://eventcatalog.dev/docs/events/extension-succeeded/1.0.0.mdx) - 展期支付和业务处理成功。- [External Fund Transaction Recorded - external-fund-transaction-recorded - 1.0.0 ](https://eventcatalog.dev/docs/events/external-fund-transaction-recorded/1.0.0.mdx) - 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。- [External Repayment Notified - external-repayment-notified - 1.0.0 ](https://eventcatalog.dev/docs/events/external-repayment-notified/1.0.0.mdx) - 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。- [Fund Arrival Confirmed - fund-arrival-confirmed - 1.0.0 ](https://eventcatalog.dev/docs/events/fund-arrival-confirmed/1.0.0.mdx) - 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。- [Fund Operation Approved - fund-operation-approved - 1.0.0 ](https://eventcatalog.dev/docs/events/fund-operation-approved/1.0.0.mdx) - 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。- [Fund Operation Code Generated - fund-operation-code-generated - 1.0.0 ](https://eventcatalog.dev/docs/events/fund-operation-code-generated/1.0.0.mdx) - 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。- [Fund Reservation Released - fund-reservation-released - 1.0.0 ](https://eventcatalog.dev/docs/events/fund-reservation-released/1.0.0.mdx) - 资金账户管理释放冻结或冲回在途资金。- [Fund Reservation Requested - fund-reservation-requested - 1.0.0 ](https://eventcatalog.dev/docs/events/fund-reservation-requested/1.0.0.mdx) - 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。- [Fund Reserved - fund-reserved - 1.0.0 ](https://eventcatalog.dev/docs/events/fund-reserved/1.0.0.mdx) - 资金账户管理完成资金预占，可用余额减少、冻结余额增加。- [Fund Route Selected - fund-route-selected - 1.0.0 ](https://eventcatalog.dev/docs/events/fund-route-selected/1.0.0.mdx) - 资金路由系统选择合适资金方或放款通道。- [Fund Transaction Recorded - fund-transaction-recorded - 1.0.0 ](https://eventcatalog.dev/docs/events/fund-transaction-recorded/1.0.0.mdx) - 资金账户管理登记资金流水或资金管理账变化。- [Funding Contract Signed - funding-contract-signed - 1.0.0 ](https://eventcatalog.dev/docs/events/funding-contract-signed/1.0.0.mdx) - 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。- [Goods Published - goods-published - 1.0.0 ](https://eventcatalog.dev/docs/events/goods-published/1.0.0.mdx) - 权益商品或 SKU 上架并可被交易中心引用。- [KYC Completed - kyc-completed - 1.0.0 ](https://eventcatalog.dev/docs/events/kyc-completed/1.0.0.mdx) - 客户 KYC、OCR、身份认证或活体检测流程完成。- [Ledger Event Accepted - ledger-event-accepted - 1.0.0 ](https://eventcatalog.dev/docs/events/ledger-event-accepted/1.0.0.mdx) - 账本服务接收并校验标准账本事件，进入 append-only 记账处理。- [Loan Application Approved - loan-application-approved - 1.0.0 ](https://eventcatalog.dev/docs/events/loan-application-approved/1.0.0.mdx) - 贷款申请审批通过并进入签约或放款准备。- [Loan Application Created - loan-application-created - 1.0.0 ](https://eventcatalog.dev/docs/events/loan-application-created/1.0.0.mdx) - 贷款申请进入放款系统生命周期。- [Loan Application Rejected - loan-application-rejected - 1.0.0 ](https://eventcatalog.dev/docs/events/loan-application-rejected/1.0.0.mdx) - 贷款申请被风控或业务校验拒绝。- [Loan Contract Created - loan-contract-created - 1.0.0 ](https://eventcatalog.dev/docs/events/loan-contract-created/1.0.0.mdx) - 资产管理创建合同。- [Loan Note Created - loan-note-created - 1.0.0 ](https://eventcatalog.dev/docs/events/loan-note-created/1.0.0.mdx) - 资产管理创建借据。- [Member Status Changed - member-status-changed - 1.0.0 ](https://eventcatalog.dev/docs/events/member-status-changed/1.0.0.mdx) - 会员状态、等级或权益资格发生变化。- [Message Dispatched - message-dispatched - 1.0.0 ](https://eventcatalog.dev/docs/events/message-dispatched/1.0.0.mdx) - 触达系统完成用户触达发送。- [Partner Disbursement Succeeded - partner-disbursement-succeeded - 1.0.0 ](https://eventcatalog.dev/docs/events/partner-disbursement-succeeded/1.0.0.mdx) - 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。- [Partner Integration Status Changed - partner-integration-status-changed - 1.0.0 ](https://eventcatalog.dev/docs/events/partner-integration-status-changed/1.0.0.mdx) - 合作机构接口、路由或监控状态发生变化。- [Partner Repayment Received - partner-repayment-received - 1.0.0 ](https://eventcatalog.dev/docs/events/partner-repayment-received/1.0.0.mdx) - 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。- [Partner Settlement Bill Created - partner-settlement-bill-created - 1.0.0 ](https://eventcatalog.dev/docs/events/partner-settlement-bill-created/1.0.0.mdx) - 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。- [Payment Failed - payment-failed - 1.0.0 ](https://eventcatalog.dev/docs/events/payment-failed/1.0.0.mdx) - 支付系统返回支付失败。- [Payment Succeeded - payment-succeeded - 1.0.0 ](https://eventcatalog.dev/docs/events/payment-succeeded/1.0.0.mdx) - 支付系统返回支付成功。- [Product Funding Matched - product-funding-matched - 1.0.0 ](https://eventcatalog.dev/docs/events/product-funding-matched/1.0.0.mdx) - 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。- [Product Offer Distributed - product-offer-distributed - 1.0.0 ](https://eventcatalog.dev/docs/events/product-offer-distributed/1.0.0.mdx) - 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。- [Product Version Published - product-version-published - 1.0.0 ](https://eventcatalog.dev/docs/events/product-version-published/1.0.0.mdx) - 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。- [Refund Succeeded - refund-succeeded - 1.0.0 ](https://eventcatalog.dev/docs/events/refund-succeeded/1.0.0.mdx) - 支付系统退款成功。- [Repayment Method Created - repayment-method-created - 1.0.0 ](https://eventcatalog.dev/docs/events/repayment-method-created/1.0.0.mdx) - 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。- [Repayment Order Created - repayment-order-created - 1.0.0 ](https://eventcatalog.dev/docs/events/repayment-order-created/1.0.0.mdx) - 还款订单创建完成。- [Repayment Plan Calculated - repayment-plan-calculated - 1.0.0 ](https://eventcatalog.dev/docs/events/repayment-plan-calculated/1.0.0.mdx) - 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。- [Repayment Posting Calculated - repayment-posting-calculated - 1.0.0 ](https://eventcatalog.dev/docs/events/repayment-posting-calculated/1.0.0.mdx) - 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。- [Repayment Refunded - repayment-refunded - 1.0.0 ](https://eventcatalog.dev/docs/events/repayment-refunded/1.0.0.mdx) - 还款退款成功，触发退款分录、资产重算和用户态退款完成。- [Repayment Route Selected - repayment-route-selected - 1.0.0 ](https://eventcatalog.dev/docs/events/repayment-route-selected/1.0.0.mdx) - 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。- [Repayment Schedule Generated - repayment-schedule-generated - 1.0.0 ](https://eventcatalog.dev/docs/events/repayment-schedule-generated/1.0.0.mdx) - 资产管理生成还款计划。- [Repayment Succeeded - repayment-succeeded - 1.0.0 ](https://eventcatalog.dev/docs/events/repayment-succeeded/1.0.0.mdx) - 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。- [Risk Decision Made - risk-decision-made - 1.0.0 ](https://eventcatalog.dev/docs/events/risk-decision-made/1.0.0.mdx) - 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。- [Risk Strategy Published - risk-strategy-published - 1.0.0 ](https://eventcatalog.dev/docs/events/risk-strategy-published/1.0.0.mdx) - 风控策略、规则集或实验版本发布。- [Settlement Calculation Completed - settlement-calculation-completed - 1.0.0 ](https://eventcatalog.dev/docs/events/settlement-calculation-completed/1.0.0.mdx) - 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。- [Settlement Order Created - settlement-order-created - 1.0.0 ](https://eventcatalog.dev/docs/events/settlement-order-created/1.0.0.mdx) - 结算中心基于账务分录和产品分账规则生成结算单。- [Work Order Created - work-order-created - 1.0.0 ](https://eventcatalog.dev/docs/events/work-order-created/1.0.0.mdx) - 工单中心创建客服、运营或差错处理工单。

## Commands
- [Allocate Repayment Clearing - allocate-repayment-clearing - 1.0.0 ](https://eventcatalog.dev/docs/commands/allocate-repayment-clearing/1.0.0.mdx) - 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。- [Approve Fund Operation - approve-fund-operation - 1.0.0 ](https://eventcatalog.dev/docs/commands/approve-fund-operation/1.0.0.mdx) - 请求财务系统审批带业务码或交易码的系统外资金操作。- [Calculate Early Settlement - calculate-early-settlement - 1.0.0 ](https://eventcatalog.dev/docs/commands/calculate-early-settlement/1.0.0.mdx) - 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。- [Calculate Loan Cancel Repayment - calculate-loan-cancel-repayment - 1.0.0 ](https://eventcatalog.dev/docs/commands/calculate-loan-cancel-repayment/1.0.0.mdx) - 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。- [Calculate Repayment Plan - calculate-repayment-plan - 1.0.0 ](https://eventcatalog.dev/docs/commands/calculate-repayment-plan/1.0.0.mdx) - 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。- [Calculate Repayment Posting - calculate-repayment-posting - 1.0.0 ](https://eventcatalog.dev/docs/commands/calculate-repayment-posting/1.0.0.mdx) - 请求还款试算服务或还款系统进行还款入账试算。- [Calculate Settlement Split - calculate-settlement-split - 1.0.0 ](https://eventcatalog.dev/docs/commands/calculate-settlement-split/1.0.0.mdx) - 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。- [Confirm Fund Arrival - confirm-fund-arrival - 1.0.0 ](https://eventcatalog.dev/docs/commands/confirm-fund-arrival/1.0.0.mdx) - 确认融资入金或外部机构入金到账。- [Create Benefit Order - create-benefit-order - 1.0.0 ](https://eventcatalog.dev/docs/commands/create-benefit-order/1.0.0.mdx) - 创建权益商品交易订单。- [Create Extension Order - create-extension-order - 1.0.0 ](https://eventcatalog.dev/docs/commands/create-extension-order/1.0.0.mdx) - 创建展期订单。- [Create Loan Contract - create-loan-contract - 1.0.0 ](https://eventcatalog.dev/docs/commands/create-loan-contract/1.0.0.mdx) - 请求资产管理创建合同、借据和还款计划。- [Create Partner Settlement Bill - create-partner-settlement-bill - 1.0.0 ](https://eventcatalog.dev/docs/commands/create-partner-settlement-bill/1.0.0.mdx) - 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。- [Create Repayment Method - create-repayment-method - 1.0.0 ](https://eventcatalog.dev/docs/commands/create-repayment-method/1.0.0.mdx) - 请求支付系统创建入金申请并返回 QR、VA、DeepLink 等还款方式。- [Create Repayment Order - create-repayment-order - 1.0.0 ](https://eventcatalog.dev/docs/commands/create-repayment-order/1.0.0.mdx) - 创建还款订单。- [Create Repayment Refund - create-repayment-refund - 1.0.0 ](https://eventcatalog.dev/docs/commands/create-repayment-refund/1.0.0.mdx) - 请求退款冲正服务创建还款退款申请。- [Execute Risk Review - execute-risk-review - 1.0.0 ](https://eventcatalog.dev/docs/commands/execute-risk-review/1.0.0.mdx) - 请求风控域执行反欺诈、特征、模型和策略决策。- [Fulfill Benefit Order - fulfill-benefit-order - 1.0.0 ](https://eventcatalog.dev/docs/commands/fulfill-benefit-order/1.0.0.mdx) - 请求权益方或平台履约能力完成权益交付。- [Generate Fund Operation Code - generate-fund-operation-code - 1.0.0 ](https://eventcatalog.dev/docs/commands/generate-fund-operation-code/1.0.0.mdx) - 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。- [Initiate Payment - initiate-payment - 1.0.0 ](https://eventcatalog.dev/docs/commands/initiate-payment/1.0.0.mdx) - 发起现金、代扣、代付或退款支付动作。- [Initiate Refund - initiate-refund - 1.0.0 ](https://eventcatalog.dev/docs/commands/initiate-refund/1.0.0.mdx) - 发起退款支付动作。- [Post Accounting Entry - post-accounting-entry - 1.0.0 ](https://eventcatalog.dev/docs/commands/post-accounting-entry/1.0.0.mdx) - 请求账务中心按场景入账。- [Post Ledger Event - post-ledger-event - 1.0.0 ](https://eventcatalog.dev/docs/commands/post-ledger-event/1.0.0.mdx) - 向账本服务提交标准账本事件并生成分录。- [Query Asset Due List - query-asset-due-list - 1.0.0 ](https://eventcatalog.dev/docs/commands/query-asset-due-list/1.0.0.mdx) - 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。- [Query Product Offer - query-product-offer - 1.0.0 ](https://eventcatalog.dev/docs/commands/query-product-offer/1.0.0.mdx) - 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。- [Record External Fund Transaction - record-external-fund-transaction - 1.0.0 ](https://eventcatalog.dev/docs/commands/record-external-fund-transaction/1.0.0.mdx) - 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。- [Register Funding Contract - register-funding-contract - 1.0.0 ](https://eventcatalog.dev/docs/commands/register-funding-contract/1.0.0.mdx) - 登记资金方融资合同、保证金、手续费、税费、展期和终止规则。- [Release Fund Reservation - release-fund-reservation - 1.0.0 ](https://eventcatalog.dev/docs/commands/release-fund-reservation/1.0.0.mdx) - 请求资金账户管理释放冻结资金或冲回在途资金。- [Request Disbursement - request-disbursement - 1.0.0 ](https://eventcatalog.dev/docs/commands/request-disbursement/1.0.0.mdx) - 请求支付系统或外部机构执行放款。- [Request Partner Repayment - request-partner-repayment - 1.0.0 ](https://eventcatalog.dev/docs/commands/request-partner-repayment/1.0.0.mdx) - 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。- [Reserve Credit Line - reserve-credit-line - 1.0.0 ](https://eventcatalog.dev/docs/commands/reserve-credit-line/1.0.0.mdx) - 请求额度管理为贷款申请占用额度。- [Reserve Funds - reserve-funds - 1.0.0 ](https://eventcatalog.dev/docs/commands/reserve-funds/1.0.0.mdx) - 请求资金账户管理进行可用资金校验和资金预占。- [Reverse Disbursement - reverse-disbursement - 1.0.0 ](https://eventcatalog.dev/docs/commands/reverse-disbursement/1.0.0.mdx) - 请求退款冲正服务对原放款进行冲正。- [Route Funds - route-funds - 1.0.0 ](https://eventcatalog.dev/docs/commands/route-funds/1.0.0.mdx) - 请求资金路由系统选择可用资方或放款通道。- [Send Notification - send-notification - 1.0.0 ](https://eventcatalog.dev/docs/commands/send-notification/1.0.0.mdx) - 请求触达系统通过合适渠道触达用户。- [Submit Loan Application - submit-loan-application - 1.0.0 ](https://eventcatalog.dev/docs/commands/submit-loan-application/1.0.0.mdx) - 提交贷款申请并进入放款系统生命周期。- [Sync Partner Institution - sync-partner-institution - 1.0.0 ](https://eventcatalog.dev/docs/commands/sync-partner-institution/1.0.0.mdx) - 同步外部合作机构资料、产品、协议或接口状态。

## Queries


## Agents


## Services
- [ABF服务 - abf-service - 1.0.0 ](https://eventcatalog.dev/docs/services/abf-service/1.0.0.mdx) - 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。- [账本服务 - accounting-center - 1.0.0 ](https://eventcatalog.dev/docs/services/accounting-center/1.0.0.mdx) - 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。- [会计分录 - accounting-entry-service - 1.0.0 ](https://eventcatalog.dev/docs/services/accounting-entry-service/1.0.0.mdx) - 管理会计分录模板、分录生成、反向分录和分录审计。- [对账服务 - accounting-reconciliation-service - 1.0.0 ](https://eventcatalog.dev/docs/services/accounting-reconciliation-service/1.0.0.mdx) - 基于账务、资金和支付事实进行账账、账实、账证对账。- [市场 APP - app - 1.0.0 ](https://eventcatalog.dev/docs/services/app/1.0.0.mdx) - 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。- [资产管理 - asset-center - 1.0.0 ](https://eventcatalog.dev/docs/services/asset-center/1.0.0.mdx) - 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。- [用户授权 - authorization-center - 1.0.0 ](https://eventcatalog.dev/docs/services/authorization-center/1.0.0.mdx) - 统一管理征信、GPS、通讯录、隐私和营销授权。- [余额管理 - balance-management-service - 1.0.0 ](https://eventcatalog.dev/docs/services/balance-management-service/1.0.0.mdx) - 管理账本账户余额、快照、冻结和余额校验。- [权益中心 - benefit-goods-center - 1.0.0 ](https://eventcatalog.dev/docs/services/benefit-goods-center/1.0.0.mdx) - 负责权益定义、配置、库存、规则、履约和上下架。- [权益商品交易中心 - benefit-trade-center - 1.0.0 ](https://eventcatalog.dev/docs/services/benefit-trade-center/1.0.0.mdx) - 管理权益订单、支付、履约、退款和售后状态。- [市场 BFF - bff-system - 1.0.0 ](https://eventcatalog.dev/docs/services/bff-system/1.0.0.mdx) - 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。- [活动中心 - campaign-center - 1.0.0 ](https://eventcatalog.dev/docs/services/campaign-center/1.0.0.mdx) - 管理活动配置、活动资格、活动预算和活动效果。- [清分中心 - clearing-center - 1.0.0 ](https://eventcatalog.dev/docs/services/clearing-center/1.0.0.mdx) - 基于账务分录和产品分账规则执行清分、分账和挂账。- [催收系统 - collection-system - 1.0.0 ](https://eventcatalog.dev/docs/services/collection-system/1.0.0.mdx) - 管理催收策略、任务、承诺还款、还款提醒和委外催收。- [合规系统 - compliance-system - 1.0.0 ](https://eventcatalog.dev/docs/services/compliance-system/1.0.0.mdx) - 管理合规规则、审计日志、客户投诉、数据合规和隐私合规。- [合同模板 - contract-template-service - 1.0.0 ](https://eventcatalog.dev/docs/services/contract-template-service/1.0.0.mdx) - 统一管理合同模板、国家适配、变量规则和合同渲染配置。- [授信审批 - credit-center - 1.0.0 ](https://eventcatalog.dev/docs/services/credit-center/1.0.0.mdx) - 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。- [额度管理 - credit-limit-center - 1.0.0 ](https://eventcatalog.dev/docs/services/credit-limit-center/1.0.0.mdx) - 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。- [用户中心 - customer-center - 1.0.0 ](https://eventcatalog.dev/docs/services/customer-center/1.0.0.mdx) - 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。- [客户主档 - customer-master - 1.0.0 ](https://eventcatalog.dev/docs/services/customer-master/1.0.0.mdx) - 沉淀跨市场、跨渠道的客户基础档案。- [客户画像 - customer-profile - 1.0.0 ](https://eventcatalog.dev/docs/services/customer-profile/1.0.0.mdx) - 沉淀客户标签、分层、生命周期和经营画像。- [客服系统 - customer-service-system - 1.0.0 ](https://eventcatalog.dev/docs/services/customer-service-system/1.0.0.mdx) - 管理客户咨询、投诉、还款退款和异常处理入口。- [决策引擎 - decision-engine - 1.0.0 ](https://eventcatalog.dev/docs/services/decision-engine/1.0.0.mdx) - 执行规则、策略、模型决策和风险审批，输出 Approve、Reject 或 Review。- [尽调系统 - due-diligence-system - 1.0.0 ](https://eventcatalog.dev/docs/services/due-diligence-system/1.0.0.mdx) - 管理合作机构、资金方、供应商尽调和准入资料。- [展期系统 - extension-engine - 1.0.0 ](https://eventcatalog.dev/docs/services/extension-engine/1.0.0.mdx) - 管理展期申请、资格校验、定价、审批、支付和结果处理。- [特征平台 - feature-platform - 1.0.0 ](https://eventcatalog.dev/docs/services/feature-platform/1.0.0.mdx) - 统一沉淀客户、设备、行为、交易、贷中和贷后风险特征。- [财务核算 - financial-accounting-system - 1.0.0 ](https://eventcatalog.dev/docs/services/financial-accounting-system/1.0.0.mdx) - 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。- [信贷产品管理 - financial-product-center - 1.0.0 ](https://eventcatalog.dev/docs/services/financial-product-center/1.0.0.mdx) - 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。- [财务报表 - financial-report-service - 1.0.0 ](https://eventcatalog.dev/docs/services/financial-report-service/1.0.0.mdx) - 输出经营、核算、审计和管理维度财务报表。- [财务系统 - financial-system - 1.0.0 ](https://eventcatalog.dev/docs/services/financial-system/1.0.0.mdx) - 承接财务科目、报表、审计和财务系统集成。- [资金账户管理 - fund-management-system - 1.0.0 ](https://eventcatalog.dev/docs/services/fund-management-system/1.0.0.mdx) - 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。- [资金路由系统 - fund-routing-system - 1.0.0 ](https://eventcatalog.dev/docs/services/fund-routing-system/1.0.0.mdx) - 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。- [资金方接入 - funding-partner-integration - 1.0.0 ](https://eventcatalog.dev/docs/services/funding-partner-integration/1.0.0.mdx) - 管理资金方协议、接口、签名、额度、状态和放款/还款文件交互。- [保险公司接入 - insurance-company-integration - 1.0.0 ](https://eventcatalog.dev/docs/services/insurance-company-integration/1.0.0.mdx) - 管理保险公司准入、协议、保单、理赔和接口适配。- [智能应用 - intelligent-application - 1.0.0 ](https://eventcatalog.dev/docs/services/intelligent-application/1.0.0.mdx) - 承接智能外呼、智能质检、智能分案、作业辅助和贷后分析。- [KYC服务 - kyc-service - 1.0.0 ](https://eventcatalog.dev/docs/services/kyc-service/1.0.0.mdx) - 承接 OCR、活体、证件校验和实名结果管理。- [放款系统 - loan-engine - 1.0.0 ](https://eventcatalog.dev/docs/services/loan-engine/1.0.0.mdx) - 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。- [运营平台 - marketing-center - 1.0.0 ](https://eventcatalog.dev/docs/services/marketing-center/1.0.0.mdx) - 管理运营配置、优惠券、返现、奖励、用户分群和运营投放。- [会员中心 - member-center - 1.0.0 ](https://eventcatalog.dev/docs/services/member-center/1.0.0.mdx) - 管理会员等级、会员权益、会员生命周期和权益使用资格。- [模型平台 - model-platform - 1.0.0 ](https://eventcatalog.dev/docs/services/model-platform/1.0.0.mdx) - 管理申请评分、行为评分、催收评分和营销评分模型。- [触达系统 - outreach-system - 1.0.0 ](https://eventcatalog.dev/docs/services/outreach-system/1.0.0.mdx) - 统一用户触达平台，支持 SMS、Email、Push、WhatsApp、Telegram、IVR 和站内信。- [机构管理 - partner-hub - 1.0.0 ](https://eventcatalog.dev/docs/services/partner-hub/1.0.0.mdx) - 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。- [机构对账 - partner-reconciliation-service - 1.0.0 ](https://eventcatalog.dev/docs/services/partner-reconciliation-service/1.0.0.mdx) - 统一管理资金方、保险公司、支付通道和供应商对账结果。- [支付系统 - payment-system - 1.0.0 ](https://eventcatalog.dev/docs/services/payment-system/1.0.0.mdx) - 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。- [产品试算服务 - product-calculation-service - 1.0.0 ](https://eventcatalog.dev/docs/services/product-calculation-service/1.0.0.mdx) - 提供还款计划、取消借款、提前结清、费用和分账试算。- [产品分发服务 - product-distribution-service - 1.0.0 ](https://eventcatalog.dev/docs/services/product-distribution-service/1.0.0.mdx) - 基于国家、渠道、客群、风险结果和资金状态输出可借产品。- [退款冲正服务 - refund-reversal-service - 1.0.0 ](https://eventcatalog.dev/docs/services/refund-reversal-service/1.0.0.mdx) - 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。- [监管报送 - regulatory-reporting-service - 1.0.0 ](https://eventcatalog.dev/docs/services/regulatory-reporting-service/1.0.0.mdx) - 管理监管报送口径、报送任务、报送文件和回执。- [还款试算服务 - repayment-calculation-service - 1.0.0 ](https://eventcatalog.dev/docs/services/repayment-calculation-service/1.0.0.mdx) - 提供还款入账、提前结清、展期和退款重算试算。- [还款系统 - repayment-engine - 1.0.0 ](https://eventcatalog.dev/docs/services/repayment-engine/1.0.0.mdx) - 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。- [还款计划 - repayment-plan-service - 1.0.0 ](https://eventcatalog.dev/docs/services/repayment-plan-service/1.0.0.mdx) - 管理期次计划、应还、逾期、罚息和计划调整。- [策略管理 - risk-strategy-center - 1.0.0 ](https://eventcatalog.dev/docs/services/risk-strategy-center/1.0.0.mdx) - 管理风控策略、规则实验、策略版本、决策审计和效果回流。- [结算中心 - settlement-center - 1.0.0 ](https://eventcatalog.dev/docs/services/settlement-center/1.0.0.mdx) - 基于清分结果生成结算单，并承接结算、对账和差错处理。- [供应商结算 - supplier-settlement-system - 1.0.0 ](https://eventcatalog.dev/docs/services/supplier-settlement-system/1.0.0.mdx) - 管理供应商、渠道、外部服务商费用确认和结算。- [工单中心 - work-order-center - 1.0.0 ](https://eventcatalog.dev/docs/services/work-order-center/1.0.0.mdx) - 管理客服、运营、贷后和差错处理工单。

## Data Products


## Domains
- [账务域 - accounting - 1.0.0 ](https://eventcatalog.dev/docs/domains/accounting/1.0.0.mdx) - 采用 append-only 和复式记账模型，沉淀账本、分录、余额和对账事实。- [资产域 - asset - 1.0.0 ](https://eventcatalog.dev/docs/domains/asset/1.0.0.mdx) - 管理资产、还款计划、还款试算和 ABF 相关资产服务。- [业务前台域 - business-frontend - 1.0.0 ](https://eventcatalog.dev/docs/domains/business-frontend/1.0.0.mdx) - 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。- [合规域 - compliance - 1.0.0 ](https://eventcatalog.dev/docs/domains/compliance/1.0.0.mdx) - 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。- [授信域 - credit - 1.0.0 ](https://eventcatalog.dev/docs/domains/credit/1.0.0.mdx) - 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。- [客户域 - customer - 1.0.0 ](https://eventcatalog.dev/docs/domains/customer/1.0.0.mdx) - 统一管理用户身份、KYC、授权、客户主档和客户画像。- [财务域 - finance - 1.0.0 ](https://eventcatalog.dev/docs/domains/finance/1.0.0.mdx) - 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。- [资金域 - funds - 1.0.0 ](https://eventcatalog.dev/docs/domains/funds/1.0.0.mdx) - 提供资金路由、资金账户、清分、结算和支付能力。- [营销运营域 - operations - 1.0.0 ](https://eventcatalog.dev/docs/domains/operations/1.0.0.mdx) - 覆盖运营平台、活动、会员和权益能力。- [合作机构域 - partner - 1.0.0 ](https://eventcatalog.dev/docs/domains/partner/1.0.0.mdx) - 统一管理机构、机构对账、资金方接入和保险公司接入。- [贷后作业域 - post-loan-operations - 1.0.0 ](https://eventcatalog.dev/docs/domains/post-loan-operations/1.0.0.mdx) - 承接催收、触达、客服、工单和贷后智能应用，属于中台系统。- [产品域 - product - 1.0.0 ](https://eventcatalog.dev/docs/domains/product/1.0.0.mdx) - 统一管理信贷产品、合同模板、产品分发和产品试算。- [风控域 - risk - 1.0.0 ](https://eventcatalog.dev/docs/domains/risk/1.0.0.mdx) - 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。- [交易域 - transaction - 1.0.0 ](https://eventcatalog.dev/docs/domains/transaction/1.0.0.mdx) - 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。

## Flows
- [商务资金管理流程 - business-fund-management - 1.0.0 ](https://eventcatalog.dev/docs/flows/business-fund-management/1.0.0.mdx) - 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。
- [清分、结算与对账流程 - clearing-settlement-reconciliation - 1.0.0 ](https://eventcatalog.dev/docs/flows/clearing-settlement-reconciliation/1.0.0.mdx) - 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。
- [授信审批流程 - credit-approval - 1.0.0 ](https://eventcatalog.dev/docs/flows/credit-approval/1.0.0.mdx) - 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。
- [客户准入流程 - customer-onboarding - 1.0.0 ](https://eventcatalog.dev/docs/flows/customer-onboarding/1.0.0.mdx) - 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。
- [展期流程 - extension - 1.0.0 ](https://eventcatalog.dev/docs/flows/extension/1.0.0.mdx) - 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。
- [财务核算流程 - financial-accounting - 1.0.0 ](https://eventcatalog.dev/docs/flows/financial-accounting/1.0.0.mdx) - 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。
- [借款申请与放款流程 - loan-application-disbursement - 1.0.0 ](https://eventcatalog.dev/docs/flows/loan-application-disbursement/1.0.0.mdx) - 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。
- [会员权益/营销运营流程 - marketing-operations - 1.0.0 ](https://eventcatalog.dev/docs/flows/marketing-operations/1.0.0.mdx) - 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。
- [开放集成流程 - open-integration-governance - 1.0.0 ](https://eventcatalog.dev/docs/flows/open-integration-governance/1.0.0.mdx) - 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。
- [逾期与贷后作业流程 - overdue-post-loan-operations - 1.0.0 ](https://eventcatalog.dev/docs/flows/overdue-post-loan-operations/1.0.0.mdx) - 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。
- [产品下单流程 - product-distribution - 1.0.0 ](https://eventcatalog.dev/docs/flows/product-distribution/1.0.0.mdx) - 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。
- [放款冲正与还款退款流程 - refund-and-reversal-lifecycle - 1.0.0 ](https://eventcatalog.dev/docs/flows/refund-and-reversal-lifecycle/1.0.0.mdx) - 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。
- [还款流程 - repayment - 1.0.0 ](https://eventcatalog.dev/docs/flows/repayment/1.0.0.mdx) - 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。
- [还款计划生成流程 - repayment-plan-generation - 1.0.0 ](https://eventcatalog.dev/docs/flows/repayment-plan-generation/1.0.0.mdx) - 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。
- [风控策略闭环流程 - risk-strategy-closed-loop - 1.0.0 ](https://eventcatalog.dev/docs/flows/risk-strategy-closed-loop/1.0.0.mdx) - 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。

## Channels


## Containers (Databases, External Systems)


## Entities


## Teams
- [architecture-governance](https://eventcatalog.dev/docs/teams/architecture-governance.mdx) - Architecture Governance

## Users
- [platform-architect](https://eventcatalog.dev/docs/users/platform-architect.mdx) - Platform Architect