What the data for this category looks like
Data for joint-stock bank intelligent due diligence reports comes primarily from internal credit management systems, the People's Bank of China Credit Reference Center interfaces, the National Enterprise Credit Information Publicity System, and listed company financial report disclosure platforms.
The update schedule adjusts based on credit granting project progress. Due diligence data for individual projects is updated at key milestones from project initiation to report issuance. After an official report is issued, updates are only synchronized when the subject’s qualifications change.
Document structure includes five core modules: basic subject information, credit limit details, credit inquiry records, related transaction ledgers, and industry rating reports. Standardized fields include "credit exposure amount" (unit: ten thousand yuan), "credit inquiry times" (unit: times), "audit report document number", and other similar fields. Some non-standard projects add regional regulatory policy documents.
What constraints these characteristics impose on HTTP interfaces and external systems
Decentralized data sources require integration with multiple types of external interfaces. Each interface needs adaptation to independent authentication rules. Some credit reference interfaces require the bank’s exclusive credit granting project number as an input parameter.
The dynamic update schedule requires interface calls to be tied to the credit granting project lifecycle. Fixed scheduled tasks must not be used, to prevent invalid requests from consuming resources.
Fields include standardized numerical values and non-standard text. This requires support for dynamic field mapping and unit conversion. For example, convert amounts returned in yuan by external interfaces to the ten thousand yuan unit used internally.
Some regulatory interface returned documents must pass compliance checks before integration. This adds a pre-check step before initiating interface calls.
How to configure the settings
| Configuration Item | Recommended Setting | Rationale |
|---|---|---|
external_api_auth_type | api_key + signature | Most credit reference and industrial and commercial interfaces accessed by joint-stock banks require API key plus request signature authentication, which meets most compliance requirements |
external_api_request_timeout | 120 seconds | Due diligence data involves cross-platform queries. Some regulatory interfaces have high response delays. 120 seconds covers most normal call scenarios |
dynamic_field_mapping_enabled | Enabled | Due diligence reports have both standard and non-standard fields. Dynamic mapping can adapt to field differences across different projects |
unit_conversion_strategy | Automatic conversion per interface agreements | There are differences in amount and frequency units between external interfaces and internal systems. Automatic conversion reduces manual processing costs |
trigger_mode | project_status_change | Due diligence data is only updated when the project status changes. Triggered calls avoid redundant requests |
api_request_rate_limit | 10 requests per minute | Most external regulatory interfaces have call frequency limits. This value meets the current limiting requirements of most compliant platforms |
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 case-by-case analysis. It is recommended to test on your own samples before finalizing settings.
Three common configuration errors
- Phenomenon: When calling an API to generate a due diligence report, the last returned field value carries overlapping content from the previous field. Cause: The
context_window_clear_strategyparameter is not configured correctly, leading to un-cleared conversation context. Old reply content is carried over to new requests. - Phenomenon: Calling external interfaces fails during local deployment, with the prompt "database connection failed". Cause: Local database dependency configuration is not disabled. The built-in database is enabled by default, and the mode is not switched to external interface-only calls.
- Phenomenon: Connecting to regulatory webhooks fails to trigger due diligence report generation, with the prompt "interface does not exist". Cause: The latest version of the external interface configuration document is not updated. Some older configuration parameters have been removed.
How to confirm successful configuration
- Initiate an interface call for a test credit granting project. Check if the returned fields match the preset mapping rules, and verify that the amount unit meets internal system requirements.
- Use an external interface testing tool to simulate requests for regulatory interfaces. Check if authentication parameters are generated correctly, and if responses can be parsed normally.
- View system logs to confirm that interface call frequency complies with configured current limiting rules, with no frequently triggered invalid requests.
- Generate a complete due diligence report. Check that content from all external data sources is synchronized correctly, with no missing or incorrect field values.
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.