bcra-central-deudores

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🇺🇸

Original

English

🇨🇳

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

Code	Commercial Portfolio	Consumer/Housing Portfolio
1	Normal	Normal
2	Special follow-up (seguimiento especial)	Low risk (riesgo bajo)
3	Problematic (con problemas)	Medium risk (riesgo medio)
4	High insolvency risk (alto riesgo de insolvencia)	High risk (riesgo alto)
5	Irrecoverable (irrecuperable)	Irrecoverable (irrecuperable)
6	Irrecoverable by technical disposition	Irrecoverable 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

Validate input: Ensure the CUIT/CUIL/CDI is a valid number (11 digits, no hyphens)
Fetch current debts first — this is usually what the user wants
Fetch historical debts if the user asks about evolution or past credit behavior
Fetch rejected checks if relevant or requested
If user prefers a UI, share
```
https://compara.ar/deudores/:cuit
```
as a quick visual option
Present results with clear interpretation of the
```
situacion
```
codes and amounts

验证输入：确保CUIT/CUIL/CDI是有效的11位数字（无连字符）
优先获取当前债务：这通常是用户所需的核心信息
若用户询问演变或过往信用行为，获取历史债务记录
若相关或用户要求，获取拒付支票记录
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
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。

bcra-central-deudores

Original

Translation

BCRA Central de Deudores

BCRA债务人中心

API Overview

API概述

Endpoints

端点

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

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

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

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

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

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

Situacion (Credit Classification) Codes

Situacion（信用分类）代码

Key Field Notes

关键字段说明

Workflow

工作流程

Error Handling

错误处理

Presenting Results

结果展示

OpenAPI Spec

OpenAPI规范