What the Data for This Category Looks Like
Credit report data mainly comes from the People's Bank of China Credit Reference Center, cooperating lending institutions, and public service departments. Lending institutions submit credit data to the Credit Reference Center monthly. The Credit Reference Center aggregates and updates data daily. The information update cycle for individual reports is typically 1 to 30 days. The document structure includes four core modules: basic personal information, detailed credit transaction records, public information records, and query history summary. Fields include identification numbers, credit account balances, overdue repayment months, query institution names, and more. The amount unit is Renminbi yuan. The overdue period unit is calendar months.
What Constraints Do These Characteristics Impose on Deployment and Upgrade
Multi-source format differences, fixed update cycles, long document structures, and sensitive field characteristics of credit reports create clear constraints for deployment and upgrade. Differences in format details exist between reports submitted by different lending institutions. Configure multi-template adaptation rules during deployment to avoid parsing misalignment. The data update cycle is 1 to 30 days. Deploy timed synchronization tasks to match the submission rhythm and ensure data timeliness. Single reports are lengthy and have closely linked fields. Adjust parsing segment length and context association parameters to avoid cross-page field loss. Reports contain large amounts of sensitive personal information. Update desensitization rules and permission control scopes synchronously during upgrades to ensure compliance.
Configuration Settings
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
PARSE_FILE_TIMEOUT_SECONDS | 600-900 seconds | Single credit reports are lengthy, so sufficient parsing time must be reserved to avoid mid-task interruptions |
UPLOAD_FILE_MAX_SIZE | 8-12 MB | Standard PDF files for individual credit reports typically fall within this range, avoiding invalid large files that consume storage |
PARSE_SEGMENT_LENGTH | 800-1200 characters | Credit reports have cross-page linked credit fields. This segment length retains enough context to accurately identify association relationships |
SYNC_TASK_CRON | 0 0 2 * * * | Matches the update rhythm after most lending institutions submit monthly data, ensuring timeliness of parsed data |
SENSITIVE_FIELD_MASK_RULE | Configure desensitization formats for ID numbers and credit balance fields in accordance with regulatory requirements | Credit reports contain large amounts of personal sensitive information, so data compliance requirements must be met |
PARSE_RECALL_TOP_K | Top 8-12 entries | Core fields of credit reports are concentrated in the first 8-12 parsed text blocks, which reduces invalid recall and improves efficiency |
The parameter values provided on this page are all conventional recommendations used as starting points for configuration. Actual values are affected by material form, data volume, and business rules. Specific issues require case-by-case analysis. Testing on local samples is recommended before finalizing settings.
Three Common Mistakes
- The symptom is that after uploading a credit report in a local deployment environment, the file parsing node shows no log output, and the task status remains in the pending queue. The cause is that the
PARSE_FILE_TIMEOUT_SECONDSparameter is not set correctly. An overly short value causes the parsing task to terminate early, or the CPU and memory quotas of the parsing node are insufficient to handle lengthy credit report files. - The symptom is that after deploying via Docker on a Windows system, accessing the bound domain name or IP returns a 502 Bad Gateway error. The cause is that the container port mapping configuration does not match the host machine's listening port, or the host machine's firewall blocks inbound traffic for the mapped port, preventing the front end from connecting to the back-end service.
- The symptom is that core fields such as credit account balances and overdue repayment months are not correctly extracted from the parsed credit report. The cause is that parsing templates adapted to different submitting institutions are not configured. This fails to recognize minor format differences, causing the key field positioning logic to fail.
How to Confirm the Configuration Is Correct
- Upload a standard-format individual credit report, check the status transition logs of the parsing task, and confirm that the task completion time meets business requirements.
- Export the parsed structured data, verify the preset core field extraction results, and confirm that sensitive information has been desensitized in accordance with the configuration.
- Manually trigger the configured timed synchronization task, check the task execution logs, and confirm that the data synchronization process has no abnormal errors.
- Check the port mapping and firewall rules of the deployment environment, and confirm that external requests can normally connect to the service port.
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.