What the data for this category looks like
Yield data for state-owned large banks originates from public disclosure channels of official self-operated financial products. These channels include product sections on official websites and official compliant API interfaces. Data updates run once daily at a fixed time, with the previous day’s data released in a single batch. The update covers all active and ongoing self-operated deposit and wealth management subsidiary products. Data documents use structured formats, containing fields such as product unique identifier, product name, yield type, yield value, minimum investment amount, product term, and update timestamp. Yield fields include unit identifiers, and term fields use days or years as units.
Constraints for HTTP Interfaces and External Systems
Yield data from state-owned large banks must be accessed via official compliant interfaces. External systems must follow official interface authentication rules when connecting. The daily single-update schedule requires HTTP polling strategies to align with the update time, to avoid frequent calls triggering rate limits. Structured field naming varies across entities. Field names may not be fully consistent across different state-owned large banks, so field mapping rules must be adjusted for each connected bank. The large volume of products requires interfaces to support paginated data retrieval, to avoid timeouts caused by overly large single-response data volumes.
Configuration Settings
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
external_api_timeout | 30 seconds | Official interfaces for state-owned large banks typically respond within 10-20 seconds, with reasonable buffer time reserved |
external_api_retry_times | 3 times | Addresses occasional network fluctuations or temporary rate limits for financial interfaces |
field_mapping_rule | Configure dedicated field mappings per connected bank’s official documentation | Field naming for state-owned large bank interfaces has no unified standard, so official field names must be strictly matched |
polling_interval | 3600 seconds | Aligns with the daily single-update schedule of state-owned large banks, to avoid triggering official interface rate limits |
pagination_enabled | Enabled | State-owned large banks have a large number of active products, so paginated data retrieval is required to obtain complete data |
response_parse_mode | strict_json | Official interfaces return standardized JSON format data, and strict parsing reduces format errors |
The parameter values provided on this page are common recommended starting points for configuration. Actual values are affected by material form, data volume and business rules. Specific issues require case-by-case analysis, and testing on your own samples is advised before finalizing settings.
Three Common Misconfigurations
- Receiving a
404 Not Foundstatus code when calling the interface. This occurs when a generic financial data interface address is used instead of the dedicated yield data interface disclosed by the target state-owned large bank. - Empty yield fields returned by the interface. This happens when
field_mapping_ruleis not configured, and the dedicated field naming rules of the connected bank are not matched. - Frequent
429 Too Many Requestsrate limit errors. This is caused by a polling interval that is too short, exceeding the rate limit threshold of the official interface.
How to Verify Proper Configuration
- Call the configured external interface address, confirm that the returned HTTP status code is
200 OKand that the preset field set is included. - Review interface call logs, confirm that each call interval matches the configured polling parameters.
- Check the output after field mapping, confirm that all configured fields can be correctly parsed.
- Compare a single synchronization result with the official public documentation format, confirm that the field structure meets expectations.
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.