What the data for this category looks like
Data sources include credit granting ledgers from internal credit management systems, industry datasets submitted by local financial regulatory authorities, and corporate operation data from cooperating credit reporting agencies. Updates are triggered in real time when individual credit granting businesses are initiated, and regulatory report data is synchronized quarterly. Document structures include structured credit detail tables, semi-structured corporate operation analysis paragraphs, and scanned paper due diligence scans. Fields include unified social credit code, registered address, credit limit, guarantor qualification, and overdue loan balance, with all units in ten thousand yuan.
What constraints these characteristics impose on the knowledge base retrieval and recall link
Multi-source heterogeneous data formats require the parsing pipeline to support structured table extraction and OCR transcription, to prevent cross-document field misalignment. The coexistence of real-time updates triggered by credit cycles and quarterly batch updates requires the retrieval system to support both incremental synchronization and full synchronization update modes, to ensure data timeliness. Precise matching fields such as unified social credit code require the recall link to support both semantic similarity recall and precise keyword matching, to avoid missing highly relevant credit data. Single due diligence reports often contain multi-page credit detail tables, requiring the segmentation strategy to adapt to the contextual continuity of long tables, to prevent loss of associated information after splitting.
Configuration Settings
| Configuration Item | Recommended Setting | Rationale |
|---|---|---|
PARSE_TABLE_MODE | structured_only + ocr_fallback | Rural commercial bank due diligence reports contain a large number of structured credit tables and scanned paper documents. This mode prioritizes extraction of structured table content and automatically triggers OCR transcription for scanned items |
RECALL_TOP_K | Top 8-12 results | Relevant data for rural commercial bank due diligence reports is mostly concentrated in the credit and guarantee core modules. 8-12 recall results can cover most relevant information while avoiding redundancy |
CHUNK_SIZE | 1000-1200 characters | The content of a single page of credit tables in due diligence reports is approximately 800-1000 characters. This segmentation length preserves the complete context of tables and prevents field breakage after splitting |
SYNC_MODE | incremental + full_sync_cycle=7d | Real-time updates for individual credit data, with weekly full synchronization to complete historical data, adapting to the update rhythm of rural commercial banks |
SIMILARITY_THRESHOLD | 0.72-0.78 | Keywords in due diligence reports are mostly professional financial terms. This threshold filters low-relevance general documents and retains highly matched credit-related content |
UPLOAD_FILE_MAX_SIZE | 500 MB | Single batch-imported due diligence report collections usually do not exceed 400 MB. This upper limit prevents parsing timeouts for large files |
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 testing on local samples is recommended before finalizing settings.
Three Common Misconfigurations
- Imported due diligence report PDFs with credit detail tables are split into multiple unconnected text blocks, and complete fields cannot be restored. Cause:
PARSE_TABLE_MODEis not configured to a mode that supports structured table parsing, and only general text segmentation is used, leading to broken table content. - When initiating a knowledge question-and-answer session, the chat window returns the prompt "No knowledge base selected". Cause: The corresponding rural commercial bank due diligence report knowledge base is not bound in the chat interface, or the knowledge base synchronization status shows incomplete.
- In the locally deployed 4.9.6 version, the image understanding model cannot be enabled to process scanned due diligence reports. Cause: OCR-related extension modules are not enabled in the deployment configuration, or the model is not pre-installed by default for the version.
How to Confirm Configuration Is Valid
- Upload a test due diligence report containing structured credit tables, check if the parsed text blocks retain the complete row and column structure of the table, to confirm that the parsing configuration takes effect.
- Initiate a precise query for credit limit, verify that the number of recall results matches the preset recall parameters, to confirm that the recall configuration takes effect.
- View the knowledge base synchronization status panel, confirm that real-time updated individual credit data can be synchronized within the preset time, and the full synchronization cycle meets the configuration requirements.
- Test importing a due diligence report collection exceeding 300 MB, confirm that the upload progress is normal and no file size limit exceeded error is triggered, to verify the file size configuration.
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.