What this type of data looks like
Credit report data originates from official compliant institutions such as the People's Bank of China Credit Reference Center and Baihang Credit. Updates occur once monthly, after batch submission by data reporting institutions. Document structure typically includes five modules: personal basic information, total credit transactions, overdue records, public information, and query records. Fields cover ID number, credit balance (unit: yuan), number of overdue periods (unit: times), number of queries (unit: times), and others. Text length varies widely per single report. It is recommended to calculate or test with one’s own samples before finalizing settings.
What constraints these characteristics impose on HTTP interfaces and external systems
Strict interface authentication requirements apply, as credit report data comes from official compliant institutions. Short-lived Bearer Token must be used for identity verification, and authentication information must not be disclosed. Update frequency is fixed at once per month. Interface call frequency must be strictly controlled to avoid exceeding institution rate limit thresholds. Many document fields have complex types. Interface requests and responses must strictly match field formats, otherwise data parsing will fail. Credit data is sensitive information. Transmission must use the HTTPS protocol, and request and response content must be encrypted.
Configuration Settings
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
EXTERNAL_API_AUTH_TYPE | bearer | Most mainstream credit report query interfaces use Bearer Token authentication, which matches official interface specifications |
EXTERNAL_API_TIMEOUT_SECONDS | 30 seconds | Most compliant credit interfaces have response times in the 10-25 second range; reserving reasonable buffer avoids timeout failures |
RESPONSE_FIELD_FILTER | ["personalBasic","creditBalance","overdueStatus","queryCount"] | Only extract fields required for risk control decision-making, reducing data parsing complexity and transmission overhead |
REQUEST_RETRY_MAX_TIMES | 2 times | Address occasional network jitter or temporary interface fluctuations, while avoiding triggering institution rate limiting mechanisms |
API_RATE_LIMIT_QPS | 0.2 | Complies with call frequency limits of most credit institutions, preventing account ban due to excessive requests |
EXTERNAL_API_CONTENT_TYPE | application/json | Matches the request data format requirements of official interfaces |
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 using one’s own samples before finalizing settings.
Three Common Configuration Mistakes
- Symptom: Interface calls return 401 Unauthorized errors, or the automatically added Authorization header does not match the configured value. Cause:
EXTERNAL_API_AUTH_TYPEis not configured correctly, or the Authorization field is manually added repeatedly, leading to authentication conflicts. - Symptom: 429 Rate Limit errors appear after consecutive interface calls. Cause: A reasonable
API_RATE_LIMIT_QPSvalue is not set, and call frequency exceeds the credit institution’s interface limits. - Symptom: Missing fields or type mismatches occur when parsing interface returned data. Cause:
RESPONSE_FIELD_FILTERis not configured, or the filtered field names do not match the actual fields returned by the interface, preventing subsequent risk control logic from reading data properly.
How to Confirm Configuration is Successful
- Call the configured test interface, check if the returned HTTP status code is 200 to confirm the authentication configuration is effective.
- Check the platform’s interface call logs, verify that the actual sent request headers match the configured
EXTERNAL_API_REQUEST_HEADERS. - Parse the returned JSON data of the interface, confirm that only the fields specified in the configured
RESPONSE_FIELD_FILTERare included. - Call the interface multiple times consecutively, confirm that the call frequency does not exceed the preset
API_RATE_LIMIT_QPSlimit, and no 429 errors occur.
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.