HTTP Interfaces and External Systems for State-owned Large

What this category's data looks like

Data mainly comes from state-owned large bank internal credit management systems, People's Bank of China credit reporting interfaces, regulatory reporting databases, and publicly disclosed annual financial reports. Updates follow an on-demand sync schedule after a single-entity due diligence report is generated. Existing customer data receives bulk updates on a fixed cycle. Document structure includes modules such as main qualification, credit situation, risk control indicators, and related party transactions. Fields include unified social credit code, credit limit, days past due, related party transaction amount, and others. Credit limit unit is ten thousand yuan, days past due unit is days, and related party transaction amount unit is hundred million yuan. The core fields of a single report have fixed quantity and standardized format.

What constraints do these characteristics impose on HTTP interfaces and external systems

Because there are numerous data fields and standardized formats, HTTP interface request parameters must strictly match predefined field names. Custom extended fields are not supported. The on-demand single-entity pull scenario requires the interface to support precise query by unified social credit code. The bulk update scenario requires the interface to support pulling data by time range with pagination. The fixed data unit characteristic means interface return fields do not require additional unit conversion. These fields must still be strictly aligned with the external system's field mapping rules. Due diligence reports contain sensitive business data. Interfaces must be configured with signature verification, IP whitelists, and HTTPS encrypted transmission to prevent data leaks.

Configuration Settings

Configuration Item	Recommended Value	Rationale
`external_api_key`	Exclusive key agreed with external system	Used for identity verification during interface requests, prevents unauthorized calls
`request_timeout`	`600 seconds`	Pulling data for a single due diligence report may take a long time, prevents request interruption from early timeout
`batch_query_size`	`Top 100 entries`	Controls the amount of data returned per pull during bulk pulls, prevents interface response overload
`field_mapping_rule`	Strictly match predefined field names	Adapts to the fixed field format of state-owned large bank due diligence reports, prevents data mapping errors
`ip_whitelist`	Internal office network segments of state-owned large banks	Restricts interface access sources, improves access security for sensitive data
`encryption_protocol`	`TLS 1.3`	Complies with transmission security standards for sensitive business data, ensures encrypted data transmission

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

Three Common Configuration Mistakes

The interface displays an "Invalid Token" error and returns a 401 Unauthorized status code. Cause: The external_api_key configuration value does not match the key agreed with the external system, or the interface signature verification switch is not enabled.
Bulk pull of due diligence reports returns a number of results that does not match expectations, with only a small amount of data returned. Cause: The batch_query_size configuration value is set too small, or pagination parameters are not configured correctly.
After connecting to the external system, it is impossible to filter conversation history records by application + user dimension, and logs show that history record fields are empty. Cause: The unified social credit code is not used as the user's unique identifier for storing history records, leading to inability to group accurately.

How to Confirm Configuration is Complete

Call the single-entity query interface, pass a known unified social credit code, and check whether the units and formats of the returned fields match the standard fields of state-owned large bank due diligence reports.
After configuring the IP whitelist, attempt to initiate an interface request from an unauthorized IP, and confirm that the request is blocked.
Initiate a bulk pull request, and check whether the number of returned data matches the batch_query_size configuration rule.
Enable interface logs, verify that each request carries the correct external_api_key parameter, and that signature verification passes.

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.