What the Data for This Category Looks Like
The data for urban commercial bank intelligent due diligence reports is primarily sourced from internal credit approval systems, regulatory agency filing documents, annual financial reports and operating documents of credit subjects, and third-party credit data interfaces. Update cycles fall into two categories: single credit due diligence reports are imported in one-time batches, while ongoing credit tracking reports are updated quarterly or semi-annually. Document structures primarily use standardized templates, including credit subject basic information pages, multi-page financial statements, related transaction detail tables, risk rating items, and regulatory compliance description pages. Fixed specifications apply to fields and units. For example, total assets and credit limits are measured in ten thousand yuan, overdue days are measured in days. Fixed format identifier fields are also included, such as regulatory document numbers and enterprise unified social credit codes.
What Constraints These Characteristics Impose on the "Document Parsing and Chunking" Link
The mixed structured characteristics of urban commercial bank due diligence reports require the parsing process to adapt to both plain text paragraphs and nested tables, to avoid breaking cell associations of financial data during chunking. The requirement for bulk updates across multiple documents means chunking rules must support incremental parsing and controllable handling of duplicate chunks, to avoid duplicate indexing or disordered sequences. A single report is typically 20 to 50 pages long. Chunk length must balance context completeness and retrieval accuracy: overly long chunks reduce retrieval recall accuracy, while overly short chunks break the associated logic of financial indicators. Fixed field units and formats require the parsing process to retain the binding relationship between fields and units, to avoid loss of key business information.
How to Set Configurations
| Configuration Item | Recommended Value Range | Rationale |
|---|---|---|
chunk_size | 1000–1200 characters | Adapts to the per-chunk information density of urban commercial bank due diligence reports, balancing context completeness and retrieval accuracy |
chunk_overlap | 150–200 characters | Retains key contextual associations across chunks, such as financial data and related transactions |
parse_table_mode | structured_table | Adapts to standardized structured formats in due diligence reports, including financial statements and credit limit tables |
max_table_parse_depth | 3 levels | Matches the nested sub-table hierarchy in due diligence reports, to avoid incomplete parsing |
enable_duplicate_chunk | Adjust based on custom chunking requirements | Set to true if custom chunk order needs to be preserved; default false avoids redundant indexing |
PARSE_FILE_TIMEOUT_SECONDS | 600 seconds | Adapts to the parsing duration of a single due diligence report, to avoid timeout for large documents |
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. Testing on local sample datasets is recommended before finalizing settings.
Three Common Misconfigurations
- Phenomenon: Parsed chunk order does not match custom chunking results, and some duplicate chunks are automatically deleted. Cause: The
enable_duplicate_chunkconfiguration is not enabled. The system performs duplicate chunk deduplication by default, which disrupts custom chunk order. - Phenomenon: Parsed financial tables only return plain text, losing cell correspondence and unit information. Cause: The
parse_table_modeconfiguration is not set tostructured_table. The default general parsing mode cannot adapt to the standardized table format of urban commercial bank due diligence reports. - Phenomenon: After a knowledge base is created via API, status feedback for parsing, ready or failed states cannot be obtained. Cause: Parsing status polling configuration is not enabled, or the status query interface is not called correctly.
How to Confirm Configurations Are Set Correctly
- A sample document of a standard urban commercial bank due diligence report is uploaded. The parsed chunk list is reviewed to confirm chunk length matches the configured expectations.
- For financial tables in the report, the parsed result is checked to confirm retention of cell hierarchy and associated unit fields, verifying that the
parse_table_modeconfiguration is effective. - An API call is made to submit a parsing task. The task status is queried at the configured polling interval, confirming that parsing, ready and failed status feedback can be correctly retrieved.
- If custom chunk order needs to be retained, a test document is uploaded and the chunk order is checked to confirm it matches the custom chunking rules, verifying that the
enable_duplicate_chunkconfiguration is set correctly.
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.