What this data looks like
The data is sourced from core credit systems and internal enterprise financing registration ledgers. It is generated daily at a fixed time, containing full data files for the previous calendar day. The data uses a structured format, with fields including institution code, enterprise unified social credit identifier, individual financing amount, financing term, disbursement date, credit subject type, and more. Financing amount is measured in ten thousand yuan, financing term is measured in calendar days, and date fields follow the YYYY-MM-DD standard format. Each record corresponds to a single financing business for one enterprise.
Constraints for HTTP Interfaces and External Systems
The full T+1 update requirement means the interface must support bulk data retrieval, and a daily scheduled synchronization task must be configured to avoid missing data from incremental retrieval. The fixed structured field format requires that interface requests validate the format and existence of required fields such as ORG_CODE and CREDIT_CODE to prevent invalid data from being ingested. Standardized unit and date requirements must be clearly marked in the interface documentation to avoid amount conversion errors or date format incompatibility during external system integration. The privacy attribute of internal enterprise data requires that the interface include identity verification parameters to ensure external callers have compliant access permissions.
Configuration Settings
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
SYNC_FULL_DATA | true | Financing daily reports are updated in full daily. Enabling full synchronization avoids missing business data from incremental retrieval |
UPLOAD_FILE_MAX_SIZE | 400 MB | A single financing daily report file contains thousands of enterprise financing records, with actual sizes typically ranging from 150 to 350 MB. A reasonable upper limit is set |
API_REQUEST_TIMEOUT | 240 seconds | Full data retrieval requires traversing the credit system ledger. Normal response time ranges from 100 to 220 seconds. Setting 240 seconds covers the full process |
REQUIRED_FIELD_CHECK | ["ORG_CODE", "CREDIT_CODE"] | Validate the format and existence of institution code and enterprise credit code fields to ensure ingested data is compliant |
AUTH_TOKEN_VALIDITY | 86400 seconds | Only one synchronization task is required per day. Configure a token validity period matching the update cycle to avoid repeated authentication |
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 individual analysis. It is recommended to test on your own samples before finalizing settings.
Three Common Missteps
- A 405 Method Not Allowed status code is returned when calling the financing daily report data synchronization interface. This occurs because the interface only allows POST requests, and the external caller mistakenly uses a GET request.
- A returned accessible URL path for an uploaded financing daily report structured file does not include the
/api/system/prefix. This happens because the file storage base path parameter was not configured correctly, resulting in a generated URL path that does not comply with the system's preset access rules. - Parsed data fields returned when calling the synchronization interface via the fetch API are empty. This occurs because the
Authorization: Bearer ${token}parameter was not included in the request header. The interface returns empty default data after failing authentication.
How to Verify Proper Configuration
- Initiate a mock synchronization request, check that the interface returns a 200 OK status code, and that the returned data includes required fields such as
ORG_CODEandCREDIT_CODE. - Upload a test financing daily report file, check that the returned access URL path conforms to the
/api/system/finance/xxxformat requirement. - Configure a daily scheduled synchronization task, wait one synchronization cycle, and check that the number of financing daily report data records received by the external system matches the number of locally exported records from the credit system.
- Intentionally pass an incorrectly formatted
CREDIT_CODEfield when calling the interface, check that the interface returns a 400 Bad Request status code, and that the error prompt clearly indicates a field format exception.
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.