What the Data for This Category Looks Like
Collateral material data originates from two primary channels. First, paper scans or structured electronic documents submitted by business entities, including guarantee letters, real estate ownership certificates for collateral, guarantee commitments, and similar materials. Second, ownership registration verification data obtained by integrating with external government systems. Data update timing is not fixed; it triggers when a business is initiated or ownership changes occur. The length of individual submitted documents varies significantly. Structured fields include guarantee amount (unit: yuan), guarantee period, unified social credit code/ID number of the guaranteed party, collateral valuation, scope of guarantee liability, and other related fields. The unstructured portion mostly consists of signed and sealed agreement texts.
Constraints Imposed on HTTP Interfaces and External Systems
Collateral materials have mixed characteristics of structured fields and unstructured text. This requires HTTP interfaces to support both structured parameter submission and multi-format file uploads. Range validation must be implemented for numeric fields such as guarantee amount and collateral valuation. Data updates do not follow a fixed schedule, so interfaces must support on-demand invocation, and must not rely on fixed scheduled pull logic. The length of individual documents varies widely, so single-file upload limits and interface timeout thresholds must be configured. When connecting to external government ownership systems, adaptation must be made to the identity authentication protocols and data return formats of different systems. Encrypted transmission and desensitized storage of sensitive information must also be handled.
Configuration Settings
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
UPLOAD_FILE_MAX_SIZE | 500 MB | Single collateral materials may include multi-page collateral ownership certificate scans. 500 MB covers the upload needs of most enterprise-level collateral materials |
PARSE_FILE_TIMEOUT_SECONDS | 1200 seconds | Parsing long-text guarantee agreements takes significant time. 1200 seconds prevents timeout for large document parsing |
API_REQUEST_TIMEOUT | 60 seconds | When connecting to external government systems, the verification process waits for ownership query results. 60 seconds covers most standard verification durations |
REQUIRED_FIELDS | Guarantee Amount, Guarantee Period, Guarantor Information | Collateral material risk control requires core validation of these three required fields to ensure complete audit logic |
EXTERNAL_API_AUTH_TYPE | bearer_token | When connecting to external government systems, bearer token authentication complies with the security specifications of most government interfaces, and facilitates token rotation management |
The parameter values provided on this page are common recommended starting points for configuration. Actual values are affected by material format, data volume, and business rules. Specific issues require individual analysis. It is recommended to test on your own samples before finalizing settings.
Three Common Misconfiguration Mistakes
- Symptom: Interface returns
400 Bad Requestand core risk control fields (such as guarantee amount) are empty. Cause: Preset global variable parameters are not correctly passed in the HTTP request, causing the required validation logic to fail to retrieve configuration values. - Symptom:
401 Unauthorizedis returned when connecting to external government systems. Cause: The access token in use does not have ownership query permissions for the corresponding government system, or the token format does not meet interface requirements. - Symptom: Long-text guarantee agreement parsing times out. Cause: The
PARSE_FILE_TIMEOUT_SECONDSconfiguration is not adjusted to a sufficient duration, causing the large document parsing process to interrupt.
How to Confirm Correct Configuration
- Upload a standard guarantee letter scan, call the parsing interface, and check whether the returned result includes preset fields such as guarantee amount and guarantee period.
- Initiate a simulated request to connect to an external system, confirm that the interface returns a
200 OKstatus code, and that the returned data fields match the external system format. - Adjust the test file size to verify whether the
UPLOAD_FILE_MAX_SIZEconfiguration takes effect, and that an appropriate error prompt is returned when uploading an oversized file. - Test the global variable passing function, carry preset risk control verification parameters in the request, and verify that the interface verification logic can correctly read the parameters.
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.