Citation Sources and Traceability for Collateral Material Risk Control

Collateral material data primarily comes from paper scans or electronic documents with form fields submitted by credit application entities. These

What the data for this category looks like

Collateral material data primarily comes from paper scans or electronic documents with form fields submitted by credit application entities. These include counter-guarantee letters, mortgage right certificates, joint and several liability guarantee letters, and similar items. Updates occur only after a single credit application is submitted. No additional updates take place within a single application cycle. Most documents use fixed layouts, with fields such as guarantee amount, guarantee period, mortgage property address, and guarantor identity verification information. Amounts are typically measured in ten thousand yuan. Periods are marked in natural years or natural days.

Collateral materials are mostly scans or semi-structured documents. This requires the traceability process to associate original uploaded files with text extracted via OCR. The fixed field structure means traceability must match and associate content by field dimension. Relying solely on full-text keyword search does not meet this requirement. The lack of data updates within a single application cycle means traceability does not need to handle version iterations. Only the unique file batch tied to the current credit application needs to be bound. Some collateral materials include real estate addresses and guarantor private information. The traceability process must retain file access permission verification logic to prevent unauthorized access to sensitive content.

How to set the configurations

Configuration ItemRecommended ValueRationale
PARSE_FILE_OCR_ENABLEtrueCollateral materials are mostly scans. OCR must be enabled to extract recognizable text content
RECALL_FIELD_MATCHGuarantee Amount, Guarantee PeriodCollateral material fields are fixed. Recalling by specified core fields improves traceability accuracy
MAX_CONTEXT_CHARS8000 charactersMost single collateral material documents range from 5000 to 10000 characters. Reserve sufficient context to ensure core information is complete
FILE_SOURCE_BIND_IDCurrent Credit Application IDNo data updates occur within a single application. Binding the application ID accurately associates traceable file batches and avoids confusion across batches
RETURN_CITATION_COUNTTop 3 entriesCore information for collateral materials is concentrated. A small number of recalled entries is sufficient to meet traceability needs
PARSE_FILE_TIMEOUT_SECONDS120 secondsOCR parsing of scans takes a long time. Extend the timeout period to avoid parsing failures

The parameter values provided on this page are common 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 mistakes

  • Phenomenon: Returned citation files do not match collateral material content, and field information is misaligned. Cause: The RECALL_FIELD_MATCH configuration is not enabled, and only full-text search is used, leading to irrelevant content being recalled.
  • Phenomenon: Version 4.9.4 returns citation content regardless of whether the citation switch is enabled. Cause: The CITATION_SWITCH_DEFAULT configuration is not locked to the state required by the current business. Default configurations may be reset after version updates.
  • Phenomenon: Citation source fields are not included in streaming responses, making it impossible to bind with business parameters. Cause: The RETURN_CITATION_IN_STREAM configuration is not enabled, and citation information is not embedded in the metadata of streaming responses.

How to confirm configurations are set correctly

  • Upload a test collateral material scan. Check if the parsed text includes the preset core fields to confirm the OCR parsing function works properly.
  • Initiate a complete credit application process. Check if the citation list in the returned results only includes the collateral materials uploaded this time, with no content from other batches of files.
  • Include the detail: true parameter when calling the API. Check if the streaming results returned include the citations field, and that the field contains correct file association information.
  • Check system operation logs to confirm the effective value of the PARSE_FILE_TIMEOUT_SECONDS configuration item meets preset standards, and that there are no timeout error records.

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.