/data/analyze

• 1.接口描述
• 2.请求参数
• 3.返回参数
• 4.错误码
• 5.输入示例

1.接口描述

该API的功能对客服与客户的电话/企微催收对话进行 AI 分析，适用信用保证保险公司的客户贷后管理场景

请求方式：

POST

请求URL：

https://cloudapi.deepfinch.com/data/analyze

调试工具

Debugging Tool

2.请求参数

2.1 请求头域

2.2 请求体

2.2.1 类型说明

2.3 请求体text字段示例

# 其他类型

客服：您好，这里是某某信保，请问是张先生吗？\n客户：是我，什么事？\n客服：您的贷款本期还款已逾期3天，金额2800元，请问什么时候可以处理？\n客户：最近公司没发工资，能不能宽限几天？\n客服：我理解您的情况，但逾期会影响您的征信记录，建议您尽快处理。\n客户：好吧，我下周想办法还上。\n客服：好的，那我帮您登记一下，最晚下周五之前可以吗？\n客户：行，下周五之前我一定存进去。\n客服：好的，感谢您的配合。再见。

# risk类型

[{"id":"001","name":"北京分公司","score":85,"m1":90,"m2":82,"m3":88,"m4":75,"m5":92,"m6":80,"m7":86,"m8":91,"m9":79,"m10":84,"m11":87,"m12":83},{"id":"002","name":"上海分公司","score":62,"m1":55,"m2":68,"m3":45,"m4":70,"m5":60,"m6":52,"m7":78,"m8":65,"m9":50,"m10":72,"m11":58,"m12":63},{"id":"003","name":"广州分公司","score":73,"m1":70,"m2":75,"m3":68,"m4":80,"m5":72,"m6":76,"m7":85,"m8":71,"m9":74,"m10":69,"m11":77,"m12":82}]

# risk类型json格式字符串字段说明

3.返回参数

正常响应 （200）

其中result的字段如下：

customer_tags及customer_tags_full类型

精简客户标签：适合快速概览，输出客户情绪态度 + 客服施压策略。

完整客户标签：包含客户正负面全维度标签 + 客服能力评估 + 违规行为检测。通过 policy_status 区分正常/逾期场景，逾期场景的客服话术评估更详细。

客户标签体系

客服标签体系（正面）

客服标签体系（负面）

complaint_violation类型

faq类型

诉求提取规则说明如下

close类型

manager类型

标签体系

risk类型

输出示例：

# customer_tags和customer_tags_full类型

{
  "request_id": "TIDc528326e240c47a583b0b661fcf8423a",
  "status": "OK",
  "result": {
    "tags": [
      {
        "type": "C",
        "tag1": "情绪态度",
        "tag2": "焦虑",
        "basis": "客户表示'最近公司没发工资，能不能宽限几天'，表现出对还款的担忧"
      },
      {
        "type": "C",
        "tag1": "情绪态度",
        "tag2": "平静",
        "basis": "经过客服解释后，客户表示'行，下周五之前我一定存进去'，转为协商态度"
      },
      {
        "type": "C",
        "tag1": "应对模式",
        "tag2": "延迟处理倾向",
        "basis": "客户提出'能不能宽限几天'，寻求时间缓冲"
      },
      {
        "type": "C",
        "tag1": "应对模式",
        "tag2": "积极配合",
        "basis": "客服给出方案后客户承诺'下周五之前一定存进去'，达成具体约定"
      },
      {
        "type": "M",
        "tag1": "施压策略",
        "tag2": "已告知征信影响",
        "basis": "客服说明'逾期会影响您的征信记录'，利用征信影响施压"
      }
    ]
  }
}

# complaint_violation类型

{
  "request_id": "TIDc528326e240c47a583b0b661fcf8423a",
  "status": "OK",
  "result": {
    "complaint_probability": 0.1,
    "complaint_reason": "客户态度配合，未表达不满",
    "customer_attitude": "平静配合",
    "support_attitude": "专业规范",
    "violation_type": "无违规",
    "violation_probability": 0.0,
    "violation_reason": "",
    "whether_advance": "无",
    "advance_probability": 0.0,
    "advance_reason": ""
  }
}

# faq类型

{
  "request_id": "TIDc528326e240c47a583b0b661fcf8423a",
  "status": "OK",
  "result": {
    "questions": [
      {
        "question": "能否分期还款？",
        "catalog": "还款方式"
      },
      {
        "question": "利息如何计算？",
        "catalog": "费用疑问"
      },
      {
        "question": "能否改为短信联系？",
        "catalog": "减少提醒"
      }
    ]
  }
}

# close类型

{
  "request_id": "TIDc528326e240c47a583b0b661fcf8423a",
  "status": "OK",
  "result": {
    "whether_advance": "有",
    "settle_in_advance_type": "全部还款",
    "settle_in_advance_reason": "资金周转情况",
    "plan_by_client": "要求一次性还清全部贷款，查询结清总金额",
    "core_doubt": "结清证明的获取时间和方式"
  }
}

# manager类型

{
  "request_id": "TIDc528326e240c47a583b0b661fcf8423a",
  "status": "OK",
  "result": {
    "labels": [
      {
        "label1": "沟通风格特质",
        "label2": "性格倾向",
        "label3": "外向型",
        "frequency": 1,
        "basis": "客服主动自我介绍并引导对话，互动主导意识强"
      },
      {
        "label1": "沟通风格特质",
        "label2": "情绪管理",
        "label3": "稳定型",
        "frequency": 1,
        "basis": "全程使用标准化话术，语气平稳专业"
      },
      {
        "label1": "沟通风格特质",
        "label2": "沟通态度",
        "label3": "积极态度",
        "frequency": 1,
        "basis": "使用'不客气''祝您生活愉快'等正向激励表述"
      },
      {
        "label1": "服务效能",
        "label2": "问题解决",
        "label3": "高效解决",
        "frequency": 1,
        "basis": "清晰告知还款金额和日期，提醒征信影响，提供后续咨询渠道"
      },
      {
        "label1": "客户关系管理",
        "label2": "维护策略",
        "label3": "长期维护",
        "frequency": 1,
        "basis": "提供APP查询和后续联系渠道，建立持续沟通机制"
      }
    ]
  }
}

# risk类型

{
  "request_id": "TIDc528326e240c47a583b0b661fcf8423a",
  "status": "OK",
  "result": {
    "branches": [
      {
        "id": "001",
        "name": "北京分公司",
        "score": 85,
        "risk_direction": "整体风险可控，承保合规性和保后管理表现良好，操作支持模块（m4=75）和客户投诉处理模块（m9=79）存在轻微短板，需关注持续改善情况",
        "advice": "年度常规审计"
      },
      {
        "id": "002",
        "name": "上海分公司",
        "score": 62,
        "risk_direction": "整体风险偏高，合规操作（m3=45）和反欺诈能力（m9=50）为明显薄弱环节，存在监管合规和运营风险隐患",
        "advice": "立即启动全面审计"
      },
      {
        "id": "003",
        "name": "广州分公司",
        "score": 73,
        "risk_direction": "中等风险，各模块表现较为均衡，催收策略和客户关系管理需重点优化",
        "advice": "季度专项检查"
      }
    ]
  }
}

4.错误码

输出示例：

{
  "status": "RATE_LIMIT_EXCEEDED",
  "request_id": "TID8bf47ab6eda64476973cc5f5b6ebf57e"
}

5.输入示例