What the data for this category looks like
Data sources for collateral materials include offline scanned physical guarantee letters, electronic guarantee files exported from online credit systems, real estate mortgage property right certification attachments, and similar items. Update timing aligns with individual credit application submissions. A full data upload is completed upon single submission, with no subsequent incremental updates. Document structures typically include multiple pages such as main letter pages, collateral inventory pages, and signature pages. Some files contain nested attachment documents. Fields include specific business fields such as guarantor unified social credit identifier, guaranteed party name, guarantee amount (units include ten thousand yuan, yuan), guarantee period, real estate certificate number, and similar items. Layout formats vary across submission channels.
What constraints these characteristics impose on the "document parsing and chunking" link
Variations in document layouts across submission channels require parsing engines to adapt to multiple formats, including plain text letters, inventory pages with tables, and scanned documents. Single-batch full data submissions require parsing processes to fully cover all associated attachments, and avoid missing key guarantee clauses. Strong correlations between specific business fields require chunking logic to retain context linking fields to their corresponding units and periods, preventing semantic disconnection after splitting. Multi-page document structures require chunking logic to follow native pagination and chapter divisions, rather than only truncating content by fixed character counts. This stops cross-page guarantee liability descriptions from being split into incomplete semantic units.
How to set configurations
| Configuration Item | Recommended Setting | Rationale |
|---|---|---|
maxChunkSize | 800–1200 characters | Collateral materials contain long paragraphs of guarantee liability clauses and collateral details. This range preserves complete semantic units and avoids splitting critical business descriptions |
chunkOverlap | 100–150 characters | Preserves context for associated fields such as cross-chunk guarantee amounts and periods, improving matching accuracy during subsequent retrieval |
enablePdfEnhancedParse | Enabled | Adapts to table recognition and text restoration for scanned collateral materials, fully extracting table-based content such as collateral inventories |
parseTimeout | 600 seconds | Collateral materials may include multi-page attachments. This duration prevents complete parsing workflows from being truncated by timeouts |
excelParseMode | fullTable | For Excel-format collateral detail lists, fully extracts business fields across all columns, resolving the issue where default mode only identifies two columns |
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 targeted analysis. It is recommended to test on your own samples before finalizing settings.
Three common mistakes
- Scenario: When uploading Excel-format collateral details, the parsing result only includes data from the first two columns. Cause:
excelParseModeis not configured asfullTable. The default parsing mode only extracts valid content from the first two columns. - Scenario: After enabling
enablePdfEnhancedParse, table content in scanned collateral materials is not correctly recognized. Cause:mineruApiKeyis not configured. The third-party enhanced parsing service cannot be called normally. - Scenario: When parsing multi-page collateral materials, cross-page guarantee liability clauses are split into two incomplete text chunks. Cause: Chunking logic only splits by fixed character counts, and does not follow the document's native pagination and chapter structure.
How to confirm configurations are correct
- Upload a single standard guarantee letter sample, and verify that all preset business fields are fully extracted in the parsed text.
- After enabling
enablePdfEnhancedParse, upload a scanned collateral material, and verify that table-based content such as collateral inventories is correctly and completely recognized. - Upload an Excel-format collateral detail file, and check that parsed fields cover business information across all columns.
- Review the parsing task run logs to confirm no timeout or format error alerts are triggered.
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.