Document Parsing and Chunking for Rural Commercial Bank Intelligent Due Diligence Reports

The data for rural commercial bank intelligent due diligence reports mainly comes from public industrial and commercial information of enterprises

What the Use Case Data Looks Like

The data for rural commercial bank intelligent due diligence reports mainly comes from public industrial and commercial information of enterprises under due diligence, annual audit financial reports, third-party credit reports, and on-site due diligence working papers and credit approval records retained within the bank. Document types include Word format due diligence working papers with tens of thousands of words per single file, Excel format business transaction records with over 10,000 rows per sheet, and PDF format financial reports and credit reports. Fields include the enterprise unified social credit identifier, operating revenue, overdue amount, credit limit, and other items. Most numeric fields have clear associated units. The document update rhythm is adjusted according to the progress of individual due diligence projects. Multiple rounds of updates will be completed based on supplementary research content during the project cycle.

Constraints Imposed on Document Parsing and Chunking

Single Word documents can reach tens of thousands of words. This places requirements on the large file processing capability of the parsing workflow. It is necessary to avoid timeouts or truncation issues during long text parsing. Structured data from 10,000-row Excel tables requires retaining the association between columns and rows. Fixed character chunking can easily cause cross-row data misalignment, so splitting logic adapted to structured tables is needed. Parsing logic must be configured differently for different document types, to avoid format loss caused by unified parsing rules. Structured fields with units must retain their binding relationship during chunking, otherwise the semantic accuracy of subsequent vector retrieval will be affected. Incremental document updates during the project cycle require the parsing workflow to support incremental identification, without performing full re-parsing.

Configuration Settings

Configuration ItemRecommended ValueRationale
UPLOAD_FILE_MAX_SIZE2000 MBCovers the total upload size of multiple attachments in rural commercial bank due diligence projects, and adapts to combinations of 100,000-character Word files and 10,000-row Excel files
PARSE_CHUNK_SIZE800–1200 charactersAdapts to long paragraph financial descriptions and credit terms in due diligence documents, avoids semantic breaks, and controls the computational load of single-block vector calculations
EXCEL_PARSE_MODESplit by worksheet + row blockAvoids cross-row data misalignment in 10,000-row Excel files, retains the association between columns and rows, and meets the parsing requirements of structured data
PARSE_KEEP_FIELD_UNITEnabledRetains the binding relationship between fields and units, prevents semantic deviation during subsequent vector retrieval
PARSE_FILE_TIMEOUT_SECONDS1200 secondsCovers the time requirements for large file parsing, avoids timeouts for parsing tasks of 10,000-row Excel files or tens of thousands of-word Word files
RETRY_ON_PARSE_FAILUp to 3 retriesReduces the failure rate of occasional exceptions in large file parsing, and lowers the cost of manual intervention

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. It is recommended to test on your own samples before finalizing settings.

Three Common Configuration Mistakes

  • After uploading a 100,000-character Word document, the number of parsed chunks abnormally exceeds the preset threshold. The cause is failure to adjust the PARSE_CHUNK_SIZE parameter. Using the default short chunk configuration leads to an excessive number of small fragments.
  • After uploading a 10,000-row Excel table, some fields are parsed as empty. The cause is failure to set EXCEL_PARSE_MODE to Split by worksheet + row block. Direct character-based chunking destroys the row and column association of the data.
  • After a parsing task is triggered, a status code 504 is returned. The cause is failure to adjust PARSE_FILE_TIMEOUT_SECONDS to a duration suitable for large files. The default timeout duration is insufficient to complete parsing of complex documents.

How to Verify Correct Configuration

  • Upload a single 100,000-character Word document, check the number of parsed chunks, and confirm that the chunk length matches the preset PARSE_CHUNK_SIZE range.
  • Upload a 10,000-row Excel table, check the parsed structured data blocks, and confirm that the association between columns and rows is not destroyed.
  • Trigger a parsing task, check the task logs, and confirm that the parsing timeout duration matches the configured PARSE_FILE_TIMEOUT_SECONDS.
  • Manually trigger a parsing failure, check whether the system performs retries according to the number of times specified in RETRY_ON_PARSE_FAIL.

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.