What the data for this category looks like
Collateral material data comes from offline paper scans, contract files exported from electronic signing platforms, and structured data exported from internal ledgers of guarantee institutions. Updates are triggered when a single credit business is submitted. Existing materials are only updated when guarantee relationships change.
Document structure includes two types of content: structured fields and unstructured clause text. Structured fields include guarantee amount, collateral location address, guarantor’s unified social credit code, notarization number, and other similar fields. Unstructured content mostly consists of compliance clauses from guarantee agreements.
Field units cover currency units, time cycles, address codes, and some fields require linkage to external verification numbers.
What constraints these characteristics impose on the knowledge base retrieval and recall workflow
Mixed structured and unstructured content requires retrieval to support both semantic matching and precise field matching. This prevents missing key compliance clauses that can occur when only using semantic recall.
The per-transaction update rhythm requires the knowledge base to support incremental synchronization. This meets the real-time requirements of risk control audits.
The coexistence of long-text clauses and structured fields requires retaining full context during segment parsing. This avoids losing the logical connections between clauses after splitting.
The presence of high-strictness verification fields requires the retrieval workflow to verify both semantic relevance and field matching accuracy. This ensures recall results align with compliance requirements for guarantee businesses.
How to set the configurations
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
Recall Count | Top 10 | The length of single collateral material documents varies widely. A sufficient candidate range is needed to cover both structured fields and clause text |
Similarity Threshold | 0.72–0.85 | Balance the accuracy of semantic matching and associated recall of structured fields. Avoid missing compliance-related clause content caused by a threshold that is too high |
PARSE_FILE_TIMEOUT_SECONDS | 300 seconds | Collateral materials may include multi-page scans or long contracts. Sufficient parsing time must be reserved |
Segment Length | 800–1200 characters | Balance the context integrity of guarantee agreement clauses and retrieval accuracy. Avoid semantic breaks caused by segments that are too short |
Incremental Sync Trigger Rule | Triggered by file upload/update events | Match the update rhythm of collateral materials with single transactions. Avoid full synchronization that occupies resources |
Structured Field Recall Switch | Enabled | Collateral materials contain a large number of fields that require precise matching. Enable structured retrieval capabilities to assist semantic recall |
The parameter values provided on this page are standard starting point recommendations. Actual values depend on material form, data volume, and business rules. Each scenario requires individual analysis. It is recommended to test on your own samples before finalizing settings.
Three Common Mistakes
- Phenomenon: Import fails when importing collateral material documents in external link format. Cause: Most collateral materials contain structured metadata and compliance clause text. Content exported from WeChat Official Account links does not preserve structured field structure, so it cannot be parsed correctly.
- Phenomenon: When a query requests matching three guarantee compliance conditions, returned results only cover some of the conditions. Cause: The
Structured Field Recall Switchis not enabled. Relying solely on semantic recall cannot accurately match field-based constraint conditions. - Phenomenon: After enabling knowledge base association, the risk control audit interface returns a 418 status code. Cause: The
structured field mappingrule is not configured properly, leading to failed field verification during retrieval.
How to Confirm Proper Configuration
- Upload a single typical collateral material document, and verify that parsed text and structured fields fully match the source file content.
- Create test queries that include both structured field constraints and semantic conditions, and confirm that recall results cover both matching requirements.
- Trigger an incremental synchronization operation for a single collateral material, and confirm the knowledge base update status is successful with no error logs.
- Call the retrieval interface with preset guarantee compliance conditions, and check that returned results include eligible document entries.
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.