What the data for this category looks like
Urban commercial bank yield data is sourced from official listed deposit, wealth management, and interbank certificate of deposit product information of the respective bank. Full data refresh is completed at a fixed time window after daily business closes. Each data entry includes the following fields: unified social credit code of the institution, full product name, term category, annualized yield reference value, minimum investment threshold, and effective date. The units for these fields are: none (institution code), Chinese characters (product name), days/months (term), percentage (yield reference value), and Chinese yuan (minimum investment threshold). Field naming may have minor differences across different urban commercial banks, so the output format of the internal business system of the corresponding institution must be matched.
Constraints Imposed on HTTP Interfaces and External Systems
The characteristics of urban commercial bank yield data directly restrict the docking logic for HTTP interfaces and external systems. The daily batch update rhythm requires that the interface pull frequency matches the update cycle to avoid frequent requests triggering rate limits. The fields include institution-specific codes and multi-type product information, so interface requests must carry institution identification parameters, and returned data must be aggregated by product category to adapt to the retrieval logic of external systems. Data is sourced from internal business systems, so external docking must use internal gateway authentication, and public interface permissions cannot be used. At the same time, field mapping rules must be strictly matched to avoid parsing exceptions.
How to Configure
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
request_interval | 86400 seconds | Matches the daily update rhythm of urban commercial bank yield data to avoid invalid requests |
auth_method | api_key + internal_whitelist | Urban commercial bank internal data requires authentication via a dedicated API key and IP whitelist to ensure data security |
field_mapping_rule | org_id: unified social credit code, product_name: full product name, yield: annualized income, effective_date: effective date | Matches the field mapping requirements between internal data fields of urban commercial banks and general broadcast interfaces |
response_timeout | 25 seconds | Adapts to the conventional response duration of urban commercial bank internal business interfaces to avoid early request interruption |
retry_max_count | 2 times | Balances request success rate and resource consumption, adapting to the stability performance of urban commercial bank interfaces |
The parameter values provided on this page are common starting points for configuration. Actual values are affected by material form, data volume, and business rules. Specific issues require specific analysis, and it is recommended to test on your own samples before finalizing settings.
Three Common Mistakes
- Phenomenon: When uploading urban commercial bank yield data files, the returned collection ID does not match the collection ID configured in the knowledge base, causing data to fail to associate. Cause: The dedicated business collection ID for urban commercial banks was not specified in the upload interface, and a general collection parameter was used by mistake.
- Phenomenon: A
429 Too Many Requestsstatus code is returned when calling the pull interface, and data cannot be obtained. Cause: The set request interval is shorter than the urban commercial bank data update frequency, triggering interface rate limit rules frequently. - Phenomenon: The yield field in knowledge base search results is displayed as empty. Cause: The field mapping rule did not correctly match the dedicated field name of the internal data of urban commercial banks, causing the interface returned data to fail to be parsed correctly.
How to Confirm Proper Configuration
- Manually trigger an HTTP interface pull task, and check if the returned raw data includes all preset fields.
- View the interface authentication log to confirm that the API key and IP whitelist carried by the request have passed verification, and there are no
403or401type errors. - Trigger a knowledge base search test to confirm that the search results include relevant content about urban commercial bank yield rates, and there are no abnormalities in field mapping.
- Wait for a complete data update cycle, then check if the latest data in the knowledge base matches the official published information of the urban commercial bank.
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.