{
    "reportVersion": "product-material-review-v1",
    "batchId": "public-bank-materials-20260930-v1",
    "asOfDate": "2026-09-30",
    "materialsSha256": "c5bc2a6aa15e827d7ba5746ea3ff3ff8125f63520ae6ccfd309f88110e04208d",
    "environment": "memory_only",
    "assessmentPolicy": {
        "inputVersion": 3,
        "profileOnly": true,
        "excludedMatchingFields": [
            "requestedAmountYuan",
            "requestedTermMonths",
            "purposeCode"
        ]
    },
    "summary": {
        "productCount": 4,
        "formatCheckPassedCount": 0,
        "bankVerifiedCount": 0,
        "publishableCount": 0
    },
    "products": [
        {
            "materialId": "ICBC-REJ",
            "productName": "工银融e借",
            "regionMode": "unverified",
            "source": {
                "publisher": "中国工商银行",
                "title": "个人信用贷款（融e借）：业务简介、申请办理、贷款利率",
                "reference": "https://www.icbc.com.cn/icbc/个人金融/贷款/消费贷款/个人信用消费贷款.htm",
                "checkedOn": "2026-09-30"
            },
            "formatCheckPassed": false,
            "publicationIssues": [
                {
                    "field": "amount_min",
                    "message": "最低额度（元）未填写"
                },
                {
                    "field": "annual_rate_min",
                    "message": "最低年化利率（%）未填写"
                },
                {
                    "field": "annual_rate_max",
                    "message": "最高年化利率（%）未填写"
                },
                {
                    "field": "term_min_months",
                    "message": "最短期限（月）未填写"
                },
                {
                    "field": "valid_from",
                    "message": "生效日期未填写"
                },
                {
                    "field": "valid_until",
                    "message": "失效日期未填写"
                },
                {
                    "field": "regions",
                    "message": "适用地区待核实，请确认全国或指定城市"
                },
                {
                    "field": "purposes.personal",
                    "message": "个人适用用途未填写"
                }
            ],
            "bankQuestions": [
                "最低额度",
                "最短期限",
                "可用年化利率范围及浮动机制",
                "适用地区",
                "有效期",
                "可执行且完整的准入条件",
                "细分消费用途映射"
            ],
            "bankVerification": "pending",
            "mayPublish": false
        },
        {
            "materialId": "CMB-SDD-ONLINE",
            "productName": "闪电贷（线上公开材料）",
            "regionMode": "unverified",
            "source": {
                "publisher": "招商银行南京分行（转载现代快报）",
                "title": "“闪电贷”赋能美好生活，普惠金融触手可及",
                "reference": "https://branch.cmbchina.com/0025/branchnews/nj2025052301.htm",
                "checkedOn": "2026-09-30"
            },
            "formatCheckPassed": false,
            "publicationIssues": [
                {
                    "field": "amount_min",
                    "message": "最低额度（元）未填写"
                },
                {
                    "field": "annual_rate_min",
                    "message": "最低年化利率（%）未填写"
                },
                {
                    "field": "annual_rate_max",
                    "message": "最高年化利率（%）未填写"
                },
                {
                    "field": "term_min_months",
                    "message": "最短期限（月）未填写"
                },
                {
                    "field": "valid_from",
                    "message": "生效日期未填写"
                },
                {
                    "field": "valid_until",
                    "message": "失效日期未填写"
                },
                {
                    "field": "regions",
                    "message": "适用地区待核实，请确认全国或指定城市"
                }
            ],
            "bankQuestions": [
                "最低额度",
                "最短期限",
                "年化利率范围",
                "南京地区实际受理范围及当前政策",
                "有效期",
                "完整准入条件",
                "医疗、购车、旅游与现有用途字典的准确映射"
            ],
            "bankVerification": "pending",
            "mayPublish": false
        },
        {
            "materialId": "ABC-WJD",
            "productName": "农银微捷贷",
            "regionMode": "nationwide",
            "source": {
                "publisher": "中国农业银行",
                "title": "微捷贷官方产品介绍及产品指南（官网长图）",
                "reference": "https://www.abchina.com/cn/sme/National/wjd/202207/t20220721_2168788.htm",
                "checkedOn": "2026-09-30"
            },
            "formatCheckPassed": false,
            "publicationIssues": [
                {
                    "field": "amount_min",
                    "message": "最低额度（元）未填写"
                },
                {
                    "field": "annual_rate_max",
                    "message": "最高年化利率（%）未填写"
                },
                {
                    "field": "term_min_months",
                    "message": "最短期限（月）未填写"
                },
                {
                    "field": "valid_from",
                    "message": "生效日期未填写"
                },
                {
                    "field": "valid_until",
                    "message": "失效日期未填写"
                }
            ],
            "bankQuestions": [
                "最低额度",
                "最短期限",
                "当前适用的年化利率上限及3.5%起是否仍有效",
                "有效期",
                "具体分行受理和完整准入条件"
            ],
            "bankVerification": "pending",
            "mayPublish": false
        },
        {
            "materialId": "CCB-SYD",
            "productName": "税易贷",
            "regionMode": "unverified",
            "source": {
                "publisher": "中国建设银行",
                "title": "小微企业产品服务：税易贷",
                "reference": "https://www2.ccb.com/chn/smallcompany/server/xyd/syd/index.shtml",
                "checkedOn": "2026-09-30"
            },
            "formatCheckPassed": false,
            "publicationIssues": [
                {
                    "field": "amount_min",
                    "message": "最低额度（元）未填写"
                },
                {
                    "field": "annual_rate_min",
                    "message": "最低年化利率（%）未填写"
                },
                {
                    "field": "annual_rate_max",
                    "message": "最高年化利率（%）未填写"
                },
                {
                    "field": "term_min_months",
                    "message": "最短期限（月）未填写"
                },
                {
                    "field": "valid_from",
                    "message": "生效日期未填写"
                },
                {
                    "field": "valid_until",
                    "message": "失效日期未填写"
                },
                {
                    "field": "regions",
                    "message": "适用地区待核实，请确认全国或指定城市"
                }
            ],
            "bankQuestions": [
                "最低额度",
                "最短期限",
                "年化利率范围",
                "适用地区",
                "有效期",
                "纳税和经营准入门槛",
                "企业主及配偶连带保证的办理细则"
            ],
            "bankVerification": "pending",
            "mayPublish": false
        }
    ]
}