What data in this category looks like
Credit report data mainly comes from the central bank credit reference center, local credit management platforms, and compliant credit service institutions. The data update rhythm is fixed. Personal credit reports are updated monthly, while corporate credit reports are updated quarterly. Document structure includes an identity verification section, credit transaction details section, query record section, and dispute resolution section. Core fields include unified social credit code, credit limit (unit: yuan), days overdue (unit: days), performance status, and others. Most formats are structured PDF or standardized electronic spreadsheets.
What constraints do these characteristics impose on the "citation sources and traceability" link
The official data source attribute of credit reports requires that the original data issuing institution must be clearly marked during citation traceability. Fixed update cycles require knowledge base synchronization configurations to match the monthly or quarterly update rhythm, to avoid referencing expired data. Structured field design requires the recall link to accurately associate specific fields, rather than only extracting text fragments. Traceability must also bind the original records of the corresponding fields. Multi-source compliance requirements require configuring source verification rules to filter citations of credit data from non-compliant channels.
How to set the configurations
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
Knowledge Base Sync Frequency | Monthly (for personal credit reports) / Quarterly (for corporate credit reports) | Matches the official update rhythm of credit reports to avoid referencing expired data |
Recall Field Filter | Only retain unified social credit code, credit limit, days overdue | Focus on core risk control fields of credit reports to reduce recall of irrelevant content |
Citation Source Display Format | Display original issuing institution + record generation time | Meet compliance traceability requirements and clarify the legality of data sources |
Maximum Recall Count | Top 3 | Single credit report data is concentrated in volume. Too many recalls will exceed the context window limit, while focusing on core credit records |
Document Chunk Length | 800-1200 characters | Credit reports have many structured fields. Too long chunks will lose field association information, while too short chunks will damage record integrity |
Similarity Threshold | 0.85-0.9 | Credit data fields have high standardization. A higher threshold is needed to filter non-matching redundant records and ensure traceability accuracy |
The parameter values provided on this page are conventional recommendations used as a starting point for configuration. Actual values are affected by material form, data volume, and business rules. Specific issues require specific analysis. It is recommended to test on your own samples before finalizing settings.
Three common mistakes
- Phenomenon: Setting
Maximum Recall Countto 2000 causes per-round answer token limit to be exceeded. Reason: Single credit report data has concentrated text volume. Recalling 2000 entries will introduce redundant content far beyond the model's context window limit. - Phenomenon: The answer does not display the original issuing institution of the credit report. Reason:
Citation Source Display Formatis not configured, or the format configuration does not include the original institution field. - Phenomenon: Recalled credit records do not match the current review subject. Reason:
Recall Field Filteris not enabled, or the filter rule does not bind subject identification fields such as the unified social credit code.
How to confirm the configuration is complete
- Check the knowledge base sync log to confirm that the sync frequency matches the credit report update cycle.
- Initiate a test query to check if the answer displays the original data issuing institution and generation time of the credit report.
- Adjust the
Similarity Thresholdand compare recall results under different thresholds to confirm that they meet the accuracy requirements of the current review. - View the parsed document fragments to confirm that field association information is not damaged and that the chunk length adapts to the field structure.
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.