# DWBG4R7K 个人大数据综合报告 - 响应示例
## 成功响应
```json
{
"reportData": {
"label": "贷前风控 · 个人大数据",
"title": "个人大数据综合报告",
"reportNo": "RPT-DWBG4R7K-20260802183045",
"generatedAt": "2026-08-02 18:30:45",
"version": "V1.0",
"profile": {
"name": "张**",
"mobileNo": "188****5813",
"idCard": "3301**********1234",
"mobileArea": "浙江省 杭州",
"carrier": "移动"
},
"sections": [
{
"title": "一、风险评估",
"subtitle": "综合摘要",
"data": {
"riskLevel": "F",
"personalCreditScore": 594,
"overdueRiskLevel": 4,
"financialBlacklistHit": "命中",
"loanApplications12M": 38
}
},
{
"title": "二、风险汇总",
"subtitle": "重点风险",
"data": [
{
"name": "司法案件",
"level": "高风险",
"summary": "失信被执行人已返回1条，限制高消费未返回。"
},
{
"name": "借贷意向",
"level": "高风险",
"summary": "近12个月身份证维度申请37次，手机号维度申请38次。"
},
{
"name": "逾期勘测",
"level": "高风险",
"summary": "综合风险等级4，近180天机构类型风险等级45。"
},
{
"name": "身份与手机",
"level": "低风险",
"summary": "三要素核验一致，手机号在网状态在网。"
},
{
"name": "特殊名单",
"level": "低风险",
"summary": "最终决策Accept，最终权重70。"
}
]
},
{
"title": "三、用户、手机与司法风险",
"subtitle": "基础画像",
"data": {
"userInfo": {
"name": "张**",
"idCard": "3301**********1234",
"carrierType": "电信",
"verifyResult": "一致",
"onlineCarrier": "移动"
},
"mobileInfo": {
"orderNo": "580055785669791744",
"carrier": "移动",
"status": "在网",
"desc": "正常"
},
"judicialRisk": {
"casesTree": "未返回",
"dishonest": "已返回1条",
"highConsume": "未返回",
"changeCodeCRC": "**********"
}
}
},
{
"title": "四、借贷意向",
"subtitle": "业务矩阵",
"data": {
"summary": {
"idApplications12M": "37",
"mobileApplications12M": "38",
"idOrganizations12M": "6",
"mobileOrganizations12M": "6"
