Tool Calling and Plugins for Credit Report Risk Control

Credit report data primarily comes from licensed credit reporting agencies. Data submitting institutions update submissions monthly, so the overall

What the Data for This Category Looks Like

Credit report data primarily comes from licensed credit reporting agencies. Data submitting institutions update submissions monthly, so the overall data update cycle is approximately 1 to 2 months. Documents mostly use PDF or structured text formats, and include four core modules: personal basic information, credit transaction details, public utility payment records, and query history. Fields include credit balance (unit: yuan), days past due (unit: days), number of inquiries (unit: times), report generation time, and others. Some fields have enumerated value constraints; for example, credit status is divided into normal, overdue, settled, and similar categories.

What Constraints These Characteristics Impose on Tool Calling and Plugins

The fixed source of credit reports requires that tool calls must connect to official APIs of licensed credit reporting agencies. Non-compliant data channels may not be used. The monthly update feature means tool call frequency must be limited to once per day or less, to avoid triggering interface rate limits. The mixed multi-format nature of documents requires plugins to support both PDF text parsing and structured field extraction. Unit and enumerated value constraints on fields require additional unit conversion and enumerated value verification logic during tool calls, to ensure the accuracy of extracted data.

Configuration Settings

Configuration ItemRecommended SettingRationale
PARSE_FILE_TIMEOUT_SECONDS300 secondsCredit reports typically have a large number of pages, so parsing takes longer. 300 seconds covers parsing requirements for most long documents
TOOL_CALL_MAX_RETRIES3 timesCredit data interfaces may experience temporary fluctuations. 3 retries improve call success rates without impacting efficiency
MAX_CONTEXT_LENGTH8000–12000 charactersCredit report text length typically falls between 5000 and 10000 characters. This range retains all core credit field information
FILE_UPLOAD_MAX_SIZE10 MBSingle credit report PDF files typically do not exceed 8 MB. This threshold covers most scenarios while avoiding excessive storage resource usage
STREAM_RESPONSE_INTERVAL1000–2000 millisecondsBalances front-end display smoothness and interface transmission efficiency, matching user experience expectations for streaming output

The parameter values provided on this page are general recommendations used as starting points for configuration. Actual values are affected by material format, data volume, and business rules. Each scenario requires individual analysis. It is recommended to test on your own samples before finalizing settings.

Three Common Mistakes

  • Symptom: Streaming output returns at a fixed 4-second interval, and cannot be adjusted to 1-2 seconds. Cause: The default value of the STREAM_RESPONSE_INTERVAL parameter was not modified, and the platform's preset fixed interval is still being used.
  • Symptom: The guest login window icon does not update as expected, and still displays the default style. Cause: The platform's built-in guest login window icon resource files were not replaced, or the service was not restarted to load new resources.
  • Symptom: API requests fail to return deployed workflow and plugin names, with empty response fields. Cause: A valid API key was not included in the request headers, or an interface endpoint without open permissions was called.

How to Verify Proper Configuration

  • Upload a standard credit report PDF, and check if the parsed fields fully include core content such as credit balance and days past due.
  • Send a tool call request, and verify that the response interval matches the preset STREAM_RESPONSE_INTERVAL value range.
  • Call the plugin interface, and confirm that the returned results include correct workflow and plugin name fields.
  • Simulate a temporary error in the tool call interface, and check if the retry logic is automatically triggered according to the configured retry count.

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.