财务 贷款 监控 代理

import requests, json
from datetime import datetime, timedelta

def fetch_loan_data():
    return requests.get("https://api.bank.com/loans").json()

def check_overdue(loan):
    due_date = datetime.fromisoformat(loan["due_date"])
    return (datetime.now() - due_date).days if due_date < datetime.now() else 0

def generate_report(loans):
    overdue = [l for l in loans if check_overdue(l) > 0]
    return {"total": len(loans), "overdue": len(overdue)}