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bcra-central-deudores

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Translation

Chinese

BCRA Central de Deudores

BCRA债务人中心

Query Argentina's Central Bank debtor registry to obtain credit reports by CUIT/CUIL/CDI.
查询阿根廷中央银行的债务人登记处，通过CUIT/CUIL/CDI获取信用报告。

API Overview

API概述

  • Base URL: 
    https://api.bcra.gob.ar
  • Auth: None required (public API)
  • Format: JSON responses
  • Input: CUIT/CUIL/CDI as integer (no hyphens), e.g. 
    20123456789
  • Optional web interface: 
    https://compara.ar/deudores/:cuit
    (replace 
    :cuit
    with the 11-digit CUIT/CUIL/CDI)
  • 基础URL：
    https://api.bcra.gob.ar
  • 认证：无需认证（公开API）
  • 格式：JSON响应
  • 输入：CUIT/CUIL/CDI（整数，无连字符），例如
    20123456789
  • 可选网页界面：
    https://compara.ar/deudores/:cuit
    （将
    :cuit
    替换为11位的CUIT/CUIL/CDI）

Endpoints

端点

1. Current Debts — 
GET /centraldedeudores/v1.0/Deudas/{Identificacion}

1. 当前债务 — 
GET /centraldedeudores/v1.0/Deudas/{Identificacion}

Returns the latest reported debt situation across all financial entities.
bash
curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/20123456789"
Response structure:
json
{
  "status": 200,
  "results": {
    "identificacion": 20123456789,
    "denominacion": "NOMBRE DE LA PERSONA",
    "periodos": [
      {
        "periodo": "2024-12",
        "entidades": [
          {
            "entidad": "BANCO DE LA NACION ARGENTINA",
            "situacion": 1,
            "fechaSit1": "2020-03-15",
            "monto": 150.0,
            "diasAtrasoPago": 0,
            "refinanciaciones": false,
            "recategorizacionOblig": false,
            "situacionJuridica": false,
            "irrecDisposicionTecnica": false,
            "enRevision": false,
            "procesoJud": false
          }
        ]
      }
    ]
  }
}
返回所有金融机构上报的最新债务状况。
bash
curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/20123456789"
响应结构：
json
{
  "status": 200,
  "results": {
    "identificacion": 20123456789,
    "denominacion": "NOMBRE DE LA PERSONA",
    "periodos": [
      {
        "periodo": "2024-12",
        "entidades": [
          {
            "entidad": "BANCO DE LA NACION ARGENTINA",
            "situacion": 1,
            "fechaSit1": "2020-03-15",
            "monto": 150.0,
            "diasAtrasoPago": 0,
            "refinanciaciones": false,
            "recategorizacionOblig": false,
            "situacionJuridica": false,
            "irrecDisposicionTecnica": false,
            "enRevision": false,
            "procesoJud": false
          }
        ]
      }
    ]
  }
}

2. Historical Debts — 
GET /centraldedeudores/v1.0/Deudas/Historicas/{Identificacion}

2. 历史债务 — 
GET /centraldedeudores/v1.0/Deudas/Historicas/{Identificacion}

Returns debt history across multiple periods. Useful for tracking how a debtor's situation evolved over time.
bash
curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/Historicas/20123456789"
Response structure: Same as current debts but with multiple periods. Historical entries have simplified entity data (no 
fechaSit1
, 
diasAtrasoPago
, or observation flags).
返回多个周期的债务历史记录，有助于追踪债务人状况随时间的变化。
bash
curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/Historicas/20123456789"
**响应结构：**与当前债务结构相同，但包含多个周期。历史记录中的机构数据经过简化（无
fechaSit1
、
diasAtrasoPago
或观察标记）。

3. Rejected Checks — 
GET /centraldedeudores/v1.0/Deudas/ChequesRechazados/{Identificacion}

3. 拒付支票 — 
GET /centraldedeudores/v1.0/Deudas/ChequesRechazados/{Identificacion}

Returns rejected checks reported for the debtor, grouped by rejection cause and entity.
bash
curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/ChequesRechazados/20123456789"
Response structure:
json
{
  "status": 200,
  "results": {
    "identificacion": 20123456789,
    "denominacion": "NOMBRE DE LA PERSONA",
    "causales": [
      {
        "causal": "SIN FONDOS SUFICIENTES",
        "entidades": [
          {
            "entidad": 44,
            "detalle": [
              {
                "nroCheque": 12345678,
                "fechaRechazo": "2024-05-10",
                "monto": 50000.0,
                "fechaPago": null,
                "fechaPagoMulta": null,
                "estadoMulta": null,
                "ctaPersonal": true,
                "denomJuridica": null,
                "enRevision": false,
                "procesoJud": false
              }
            ]
          }
        ]
      }
    ]
  }
}
返回债务人的拒付支票记录，按拒付原因和机构分组。
bash
curl -s "https://api.bcra.gob.ar/centraldedeudores/v1.0/Deudas/ChequesRechazados/20123456789"
响应结构：
json
{
  "status": 200,
  "results": {
    "identificacion": 20123456789,
    "denominacion": "NOMBRE DE LA PERSONA",
    "causales": [
      {
        "causal": "SIN FONDOS SUFICIENTES",
        "entidades": [
          {
            "entidad": 44,
            "detalle": [
              {
                "nroCheque": 12345678,
                "fechaRechazo": "2024-05-10",
                "monto": 50000.0,
                "fechaPago": null,
                "fechaPagoMulta": null,
                "estadoMulta": null,
                "ctaPersonal": true,
                "denomJuridica": null,
                "enRevision": false,
                "procesoJud": false
              }
            ]
          }
        ]
      }
    ]
  }
}

Situacion (Credit Classification) Codes

Situacion（信用分类）代码

CodeCommercial PortfolioConsumer/Housing Portfolio
1NormalNormal
2Special follow-up (seguimiento especial)Low risk (riesgo bajo)
3Problematic (con problemas)Medium risk (riesgo medio)
4High insolvency risk (alto riesgo de insolvencia)High risk (riesgo alto)
5Irrecoverable (irrecuperable)Irrecoverable (irrecuperable)
6Irrecoverable by technical dispositionIrrecoverable by technical disposition
Situacion 1 is the best status. Any value >= 2 indicates some level of credit risk. Values >= 5 are severe.
代码商业组合消费/住房组合
1正常正常
2特别跟进低风险
3存在问题中风险
4高破产风险高风险
5无法收回无法收回
6因技术处置无法收回因技术处置无法收回
Situacion 1为最佳状态。任何>=2的值都表明存在一定程度的信用风险，>=5的值则属于严重风险。

Key Field Notes

关键字段说明

  • monto: Reported in thousands of ARS (miles de pesos)
  • periodo: Format 
    YYYY-MM
    (the last reported period)
  • fechaSit1: Date when the debtor was first classified as Situacion 1 at that entity
  • diasAtrasoPago: Days past due (0 means current)
  • refinanciaciones: 
    true
    if debt has been refinanced
  • recategorizacionOblig: 
    true
    if mandatory recategorization applied
  • situacionJuridica: 
    true
    if under legal proceedings (concordatos, concurso preventivo, quiebra)
  • irrecDisposicionTecnica: 
    true
    if irrecoverable by technical disposition
  • enRevision: 
    true
    if the record is under review
  • procesoJud: 
    true
    if under judicial process
  • monto：以千阿根廷比索（miles de pesos）为单位上报
  • periodo：格式为
    YYYY-MM
    （最近上报的周期）
  • fechaSit1：债务人首次在该机构被归类为Situacion 1的日期
  • diasAtrasoPago：逾期天数（0表示当前无逾期）
  • refinanciaciones：
    true
    表示债务已被重新安排
  • recategorizacionOblig：
    true
    表示已应用强制重新分类
  • situacionJuridica：
    true
    表示正在进行法律程序（和解、预防性破产、破产清算）
  • irrecDisposicionTecnica：
    true
    表示因技术处置无法收回
  • enRevision：
    true
    表示记录正在审核中
  • procesoJud：
    true
    表示正在进行司法程序

Workflow

工作流程

  1. Validate input: Ensure the CUIT/CUIL/CDI is a valid number (11 digits, no hyphens)
  2. Fetch current debts first — this is usually what the user wants
  3. Fetch historical debts if the user asks about evolution or past credit behavior
  4. Fetch rejected checks if relevant or requested
  5. If user prefers a UI, share 
    https://compara.ar/deudores/:cuit
    as a quick visual option
  6. Present results with clear interpretation of the 
    situacion
    codes and amounts
  1. 验证输入：确保CUIT/CUIL/CDI是有效的11位数字（无连字符）
  2. 优先获取当前债务：这通常是用户所需的核心信息
  3. 若用户询问演变或过往信用行为，获取历史债务记录
  4. 若相关或用户要求，获取拒付支票记录
  5. 若用户偏好可视化界面，分享
    https://compara.ar/deudores/:cuit
    作为快速查看选项
  6. 展示结果：清晰解释
    situacion
    代码和金额含义

Error Handling

错误处理

  • 400: Invalid identification number format
  • 404: No records found for the given CUIT/CUIL/CDI
  • 500: BCRA server error — retry after a moment
When receiving a 404, inform the user that no records were found. This does not necessarily mean the person has no debts — it could mean the CUIT/CUIL/CDI is incorrect.
  • 400：无效的身份号码格式
  • 404：未找到对应CUIT/CUIL/CDI的记录
  • 500：BCRA服务器错误——稍后重试
收到404错误时，告知用户未找到记录。这并不一定意味着该人没有债务，也可能是CUIT/CUIL/CDI号码不正确。

Presenting Results

结果展示

When presenting results to the user:
  • Always show the person/company name (
    denominacion
    )
  • Group debts by entity and highlight any 
    situacion
    >= 2 as a warning
  • Convert 
    monto
    context: remind the user amounts are in thousands of ARS
  • Flag any 
    true
    values in observation fields (refinanciaciones, situacionJuridica, procesoJud, etc.)
  • For historical data, show the trend (improving/worsening situation over time)
  • For rejected checks, highlight unpaid checks (where 
    fechaPago
    is null)
向用户展示结果时：
  • 始终显示个人/公司名称（
    denominacion
    ）
  • 按机构分组债务，并高亮显示任何
    situacion
    >=2的记录作为警告
  • 说明
    monto
    的单位：提醒用户金额以千阿根廷比索为单位
  • 标记所有观察字段中值为
    true
    的项（如refinanciaciones、situacionJuridica、procesoJud等）
  • 对于历史数据，展示趋势（信用状况随时间改善/恶化）
  • 对于拒付支票，高亮显示未支付的支票（
    fechaPago
    为null的记录）

OpenAPI Spec

OpenAPI规范

For the complete API schema, see references/openapi-spec.json.
完整的API架构请参考references/openapi-spec.json。