淘宝开放平台

请求地址：

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

公共请求参数：

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

名称	类型	是否必须	示例值	更多限制	描述
param_xfd_credit_change_external_request	XfdCreditChangeExternalRequest	必须			请求体
after_change CreditInfo 必须变更后的值 └ credit_quota String 可选 1 授信额度 └ daily_interest_rate String 可选 0.001 日利率 └ end_time Date 可选 2024-01-01 00:00:00 额度失效时间 └ interest_rate String 可选 0.0018 年利率 └ status String 可选 QUALIFIED 额度状态 └ temp_credit_quota String 可选 100 临时额度 └ temp_credit_quota_end_time Date 可选 2024-01-01 00:00:00 临时额度失效时间 └ temp_credit_quota_start_time Date 可选 2024-01-01 00:00:00 临时额度生效时间 before_change CreditInfo 必须变更前的值 └ credit_quota String 可选 100 授信额度 └ daily_interest_rate String 可选 0.001 日利率 └ end_time Date 可选 2024-01-01 00:00:00 额度失效时间 └ interest_rate String 可选 0.0018 年利率 └ status String 可选 QUALIFIED 额度状态 └ temp_credit_quota String 可选 100 临时额度 └ temp_credit_quota_end_time Date 可选 2024-01-01 00:00:00 临时额度失效时间 └ temp_credit_quota_start_time Date 可选 2024-01-01 00:00:00 临时额度生效时间 └ change_type String 必须 QUOTA_CHANGE 变更类型 └ credit_apply_no String 必须 FI12312312 ali授信单号 └ customer_id String 可选 123 阿里授信单号 └ request_id String 必须 1231231231 幂等号 └ change_time Date 可选 2024-01-01 00:00:00 变更时间

名称	类型	示例值	描述
result	XfdExternalResponse		响应体
└ response_code String SUCCESS 响应码 └ response_message String SUCCESS 响应描述 └ trace_id String 123123 调用ID └ success Boolean true 返回结果

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

TaobaoClient client = new DefaultTaobaoClient(url, appkey, secret);
AlibabaFinanceXfdCreditChangeNotifyRequest req = new AlibabaFinanceXfdCreditChangeNotifyRequest();
AlibabaFinanceXfdCreditChangeNotifyRequest.XfdCreditChangeExternalRequest obj1 = new AlibabaFinanceXfdCreditChangeNotifyRequest.XfdCreditChangeExternalRequest();
AlibabaFinanceXfdCreditChangeNotifyRequest.CreditInfo obj2 = new AlibabaFinanceXfdCreditChangeNotifyRequest.CreditInfo();
obj2.setCreditQuota("1");
obj2.setDailyInterestRate("0.001");
obj2.setEndTime(StringUtils.parseDateTime("2024-01-01 00:00:00"));
obj2.setInterestRate("0.0018");
obj2.setStatus("QUALIFIED");
obj2.setTempCreditQuota("100");
obj2.setTempCreditQuotaEndTime(StringUtils.parseDateTime("2024-01-01 00:00:00"));
obj2.setTempCreditQuotaStartTime(StringUtils.parseDateTime("2024-01-01 00:00:00"));
obj1.setAfterChange(obj2);
AlibabaFinanceXfdCreditChangeNotifyRequest.CreditInfo obj3 = new AlibabaFinanceXfdCreditChangeNotifyRequest.CreditInfo();
obj3.setCreditQuota("100");
obj3.setDailyInterestRate("0.001");
obj3.setEndTime(StringUtils.parseDateTime("2024-01-01 00:00:00"));
obj3.setInterestRate("0.0018");
obj3.setStatus("QUALIFIED");
obj3.setTempCreditQuota("100");
obj3.setTempCreditQuotaEndTime(StringUtils.parseDateTime("2024-01-01 00:00:00"));
obj3.setTempCreditQuotaStartTime(StringUtils.parseDateTime("2024-01-01 00:00:00"));
obj1.setBeforeChange(obj3);
obj1.setChangeType("QUOTA_CHANGE");
obj1.setCreditApplyNo("FI12312312");
obj1.setCustomerId("123");
obj1.setRequestId("1231231231");
obj1.setChangeTime(StringUtils.parseDateTime("2024-01-01 00:00:00"));
req.setParamXfdCreditChangeExternalRequest(obj1);
AlibabaFinanceXfdCreditChangeNotifyResponse rsp = client.execute(req);
System.out.println(rsp.getBody());

ITopClient client = new DefaultTopClient(url, appkey, secret);
AlibabaFinanceXfdCreditChangeNotifyRequest req = new AlibabaFinanceXfdCreditChangeNotifyRequest();
AlibabaFinanceXfdCreditChangeNotifyRequest.XfdCreditChangeExternalRequestDomain obj1 = new AlibabaFinanceXfdCreditChangeNotifyRequest.XfdCreditChangeExternalRequestDomain();
AlibabaFinanceXfdCreditChangeNotifyRequest.CreditInfoDomain obj2 = new AlibabaFinanceXfdCreditChangeNotifyRequest.CreditInfoDomain();
obj2.CreditQuota = "1";
obj2.DailyInterestRate = "0.001";
obj2.EndTime = DateTime.Parse(2024-01-01 00:00:00");
obj2.InterestRate = "0.0018";
obj2.Status = "QUALIFIED";
obj2.TempCreditQuota = "100";
obj2.TempCreditQuotaEndTime = DateTime.Parse(2024-01-01 00:00:00");
obj2.TempCreditQuotaStartTime = DateTime.Parse(2024-01-01 00:00:00");
obj1.AfterChange= obj2;
AlibabaFinanceXfdCreditChangeNotifyRequest.CreditInfoDomain obj3 = new AlibabaFinanceXfdCreditChangeNotifyRequest.CreditInfoDomain();
obj3.CreditQuota = "100";
obj3.DailyInterestRate = "0.001";
obj3.EndTime = DateTime.Parse(2024-01-01 00:00:00");
obj3.InterestRate = "0.0018";
obj3.Status = "QUALIFIED";
obj3.TempCreditQuota = "100";
obj3.TempCreditQuotaEndTime = DateTime.Parse(2024-01-01 00:00:00");
obj3.TempCreditQuotaStartTime = DateTime.Parse(2024-01-01 00:00:00");
obj1.BeforeChange= obj3;
obj1.ChangeType = "QUOTA_CHANGE";
obj1.CreditApplyNo = "FI12312312";
obj1.CustomerId = "123";
obj1.RequestId = "1231231231";
obj1.ChangeTime = DateTime.Parse(2024-01-01 00:00:00");
req.ParamXfdCreditChangeExternalRequest_ = obj1;
AlibabaFinanceXfdCreditChangeNotifyResponse rsp = client.Execute(req);
Console.WriteLine(rsp.Body);

$c = new TopClient;
$c->appkey = $appkey;
$c->secretKey = $secret;
$req = new AlibabaFinanceXfdCreditChangeNotifyRequest;
$param_xfd_credit_change_external_request = new XfdCreditChangeExternalRequest;
$after_change = new CreditInfo;
$after_change->credit_quota="1";
$after_change->daily_interest_rate="0.001";
$after_change->end_time="2024-01-01 00:00:00";
$after_change->interest_rate="0.0018";
$after_change->status="QUALIFIED";
$after_change->temp_credit_quota="100";
$after_change->temp_credit_quota_end_time="2024-01-01 00:00:00";
$after_change->temp_credit_quota_start_time="2024-01-01 00:00:00";
$param_xfd_credit_change_external_request->after_change = $after_change;
$before_change = new CreditInfo;
$before_change->credit_quota="100";
$before_change->daily_interest_rate="0.001";
$before_change->end_time="2024-01-01 00:00:00";
$before_change->interest_rate="0.0018";
$before_change->status="QUALIFIED";
$before_change->temp_credit_quota="100";
$before_change->temp_credit_quota_end_time="2024-01-01 00:00:00";
$before_change->temp_credit_quota_start_time="2024-01-01 00:00:00";
$param_xfd_credit_change_external_request->before_change = $before_change;
$param_xfd_credit_change_external_request->change_type="QUOTA_CHANGE";
$param_xfd_credit_change_external_request->credit_apply_no="FI12312312";
$param_xfd_credit_change_external_request->customer_id="123";
$param_xfd_credit_change_external_request->request_id="1231231231";
$param_xfd_credit_change_external_request->change_time="2024-01-01 00:00:00";
$req->setParamXfdCreditChangeExternalRequest(json_encode($param_xfd_credit_change_external_request));
$resp = $c->execute($req);

curl -X POST 'http://gw.api.taobao.com/router/rest' \
-H 'Content-Type:application/x-www-form-urlencoded;charset=utf-8' \
-d 'app_key=12129701' \
-d 'format=json' \
-d 'method=alibaba.finance.xfd.credit.change.notify' \
-d 'partner_id=apidoc' \
-d 'sign=7B645DAB9763CF0D0895ED5D38B96F9E' \
-d 'sign_method=hmac' \
-d 'timestamp=2025-05-02+15%3A11%3A09' \
-d 'v=2.0' \
-d 'param_xfd_credit_change_external_request=null'

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

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

req.param_xfd_credit_change_external_request="数据结构示例JSON格式"
try:
	resp= req.getResponse()
	print(resp)
except Exception,e:
	print(e)

pTopRequest pRequest = alloc_top_request();
pTopResponse pResponse = NULL;
pTaobaoClient pClient = alloc_taobao_client(url, appkey, appsecret);
set_api_name(pRequest,"alibaba.finance.xfd.credit.change.notify");
add_param(pRequest,"param_xfd_credit_change_external_request","数据结构JSON示例");
pResponse = top_execute(pClient,pRequest,NULL);
printf("ret code:%d\n",pResponse->code);
if(pResponse->code == 0){
	pTopResponseIterator ite = init_response_iterator(pResponse);
	pResultItem pResultItem = alloc_result_item();
	while(parseNext(ite, pResultItem) == 0){
		printf("%s:%s\n",pResultItem->key,pResultItem->value);
	}
	destroy_response_iterator(ite);
	destroy_result_item(pResultItem);
}
destroy_top_request(pRequest);
destroy_top_response(pResponse);
destroy_taobao_client(pClient);

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

client.execute('alibaba.finance.xfd.credit.change.notify', {
	'param_xfd_credit_change_external_request':'数据结构JSON示例'
}, function(error, response) {
	if (!error) console.log(response);
	else console.log(error);
})

XML示例
JSON示例

<alibaba_finance_xfd_credit_change_notify_response>
    <result>
        <response_code>SUCCESS</response_code>
        <response_message>SUCCESS</response_message>
        <trace_id>123123</trace_id>
        <success>true</success>
    </result>
</alibaba_finance_xfd_credit_change_notify_response>

{
    "alibaba_finance_xfd_credit_change_notify_response":{
        "result":{
            "response_code":"SUCCESS",
            "response_message":"SUCCESS",
            "trace_id":"123123",
            "success":true
        }
    }
}

XML示例
JSON示例

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

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

错误码	错误描述	解决方案

API测试工具错误码查询工具 SDK下载

企业贷款-机构接入API

alibaba.finance.xfd.credit.change.notify (消费贷授信变更通知)

公共参数

请求参数

响应参数

请求示例

响应示例

异常示例

错误码解释

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