HTTP Interfaces and External Systems for Credit Application

What the Data for This Category Looks Like

Data for credit application risk control primarily comes from external systems including enterprise business qualifications, personal credit reports, bank statements, asset certificates, industrial and commercial registration information, and others. Update frequencies fall into three categories: real-time (such as transaction records), daily (such as credit snapshots), and monthly (such as industrial and commercial annual reports). A single application document includes two types of content: structured fields and attachments. Structured fields include unified social credit code, applicant ID number, applied credit limit, revenue over the past 12 months, debt ratio, and more. Units include ten thousand yuan, percentage, yuan, and others. Most attachments are multi-page PDF files or high-resolution scans. A single attachment can reach hundreds of megabytes in size.

Constraints Imposed on HTTP Interfaces and External Systems

Multi-source data docking requirements require interfaces to support parallel calls from multiple systems and authentication isolation. Strict verification requirements for structured fields require interfaces to cover all required fields and match format rules when receiving parameters. For example, ID numbers must pass regular expression checks, and limit values must be positive integers. Bulk data import scenarios require interfaces to support batch pushing, with a single batch upper limit matching the number of fields for a single application. Interfaces must also support large-volume requests for attachment uploads. Fluctuating latency from external systems requires interfaces to be configured with reasonable timeout and retry mechanisms, to prevent single request interruptions from blocking credit application processes.

Configuration Settings

Configuration Item	Recommended Value	Rationale
`pushData` Maximum Single Push Data Volume	200 sets	Matches the official interface single push upper limit, adapts to bulk import of structured data for single credit applications
`PARSE_FILE_TIMEOUT_SECONDS`	600 seconds	Credit materials are mostly multi-page PDFs or high-resolution scans, parsing time is significantly higher than ordinary documents
`UPLOAD_FILE_MAX_SIZE`	1000 MB	Covers upload requirements for large asset certificates, complete annual bank statements, and other attachments
`requestRetryCount`	3 times	Responds to temporary fluctuations in external credit and industrial and commercial interfaces, ensures stability of data acquisition
`json_object` Reply Format Switch	Enabled	Credit review requires structured output of review results, adapts to automatic parsing by downstream systems
`apiAuthToken`	Exclusive key assigned by the business party	Complies with interface authentication specifications for financial scenarios, prevents unauthorized access

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. Each situation requires separate analysis. It is recommended to test on your own samples before finalizing settings.

Three Common Errors

The /api/core/dataset/collection/create interface returns a 404 status code. The cause is use of an incorrect API path version, or failure to enable knowledge base creation permissions in the backend.
Partial successful imports occur when using the pushData interface to push data. The cause is failure to push data in batches according to the 200-item single batch limit, or some fields do not match format verification rules.
The json_object reply format switch is configured but no corresponding option appears in the interface. The cause is failure to enable custom reply format support in model configuration, or the used model version does not support this format.

How to Confirm Configuration Is Complete

The /api/core/dataset/collection/create interface is called with valid credit knowledge base parameters. The returned status code is checked to be 200 and include the knowledge base ID.
200 sets of structured credit application data are pushed to the pushData interface. The number of successful entries in the returned result is checked to match the number of pushed items.
After the json_object reply format is configured, a credit review request is sent. The returned result is checked to be in standard JSON format and include all required fields.
External monitoring interfaces are connected. The call status of each docking interface in the credit review process is checked to confirm no abnormal error reports.

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.