Model Access and Configuration for Insurance Yield Rates

What Data for This Category Looks Like

Data for this category is sourced primarily from official product announcements released by insurance companies, and the information disclosure zone of the China Insurance Industry Association. Unit-linked insurance products, including investment-linked insurance, update their unit net asset value and cumulative net asset value daily. Universal life insurance settlement interest rates are disclosed on a monthly basis. Annual dividend rates for participating insurance products are updated quarterly. Most documents are structured PDFs or CSV tables. Fields included are product filing number, full product name, disclosure date, unit net asset value (yuan), cumulative net asset value (yuan), settlement interest rate (%), risk level, and others. Units are uniformly yuan or percentage, and must align with the corresponding product classification tags.

Constraints on Model Access and Configuration

Differences in update frequencies across data sources require configuring multi-cycle scheduled data synchronization tasks, with separate pull schedules for daily net asset values, monthly settlement interest rates, and quarterly dividend rates. Variations in field formats across multi-source data require configuring field parsing rules, and unifying unit validation logic for net asset values and settlement interest rates. This prevents errors where values do not match their specified units. Using product filing numbers as unique identifiers requires configuring primary key matching rules during recall, to avoid mixing yield data from different products. Nested hierarchies in structured documents require configuring segmentation rules for content extraction components, to accurately locate table areas containing target fields. This avoids extracting redundant or missing information.

Configuration Settings

Configuration Item	Recommended Value	Rationale
`syncCron`	`0 0 1 * * ?` for daily net asset value synchronization, `0 0 2 1 * ?` for monthly settlement interest rate synchronization	Matches the official disclosure and update schedule for different insurance product data
`fieldExtractPattern`	`Product Filing Number	Net Asset Value (yuan)	Settlement Interest Rate (%)`	Accurately matches standard field names in structured documents, avoids extracting redundant content
`recallUniqueKey`	`Product Filing Number + Disclosure Date`	Serves as a unique identifier to distinguish yield data for the same product across different cycles, prevents recall confusion
`parseTimeout`	`600 seconds`	Structured PDF documents may contain multiple tables, reserves sufficient time for parsing
`quoteMaxToken`	`800–1200 characters`	Insurance yield data includes multiple fields, retains sufficient context to generate accurate reports
`ragRecallCount`	`Top 3 entries`	Controls the volume of recalled data, avoids overloading context and impacting model generation results

The parameter values provided on this page are common starting points for configuration setup. Actual values may be affected by document format, data volume, and business rules. Specific scenarios require individual analysis, and testing against your own samples is recommended before finalizing settings.

Three Common Configuration Mistakes

Issue: In version v4.8.10, for yield rate queries of a dozen characters, the model returns the full result at once before switching to streaming output. Cause: The trigger rules for the streamResponse parameter are not configured. The default mixed output mode is enabled, and streaming output logic is not optimized for short queries.
Issue: After configuring quoteMaxToken, the model output omits some yield data fields. Cause: quoteMaxToken is mistakenly interpreted as a parameter that limits the length of input queries. In reality, it limits the total character count of recalled context. Setting it too small will truncate critical product fields.
Issue: Extracted insurance product yield data includes outdated historical data from other periods. Cause: The recallUniqueKey is not configured as Product Filing Number + Disclosure Date. Using only the product name as the matching key results in recalling old data for the same product name across different cycles.

How to Verify Correct Configuration

Manually trigger a data synchronization task, check the synchronization logs in the data source management interface, and confirm that the pulled fields match the configured fieldExtractPattern.
Submit a yield rate query request, check that the model output context includes the unique identifier corresponding to the configured recallUniqueKey, and confirm that data is not mixed.
Adjust the value of quoteMaxToken, compare the context length of the model output, and confirm that it matches the expected character limit.
Check the scheduled task execution logs, and confirm that synchronization tasks for different cycles trigger at the corresponding times per the configured syncCron expression.

Question material comes from public community discussions. Configuration values are common starting points and should be measured against your own samples. Verified on 2026-09-14.