What this category's data looks like
Credit application risk control data mainly comes from multiple sources, including structured reports issued by enterprise credit bureaus, operating cash flow PDFs submitted by applicants, industrial and commercial registration information forms, bank credit approval records, and others. The data update rhythm is full synchronization for a single application, with no periodic bulk updates. The document structure includes mixed formats: both structured tabular fields such as applicant identity information, credit limit, application time, and unstructured scanned documents and long text descriptions. Fields cover three categories: identity identifiers, financial values, and business timestamps. Units are uniformly yuan for monetary values, YYYY-MM-DD for timestamps, and plain text for identity fields. The number of fields per application material typically ranges from 20 to 50.
What constraints do these characteristics impose on the citation source and traceability link
The mixed multi-source feature requires the traceability system to associate unique identifiers for each material to avoid confusion between different applications. The real-time update feature requires the traceability chain to support full data matching for a single request, and cannot rely on historical caches. The mixed structured and unstructured document structure requires traceability configuration to support both field-level precise matching and file fragment positioning. The large number of fields requires the traceability filtering mechanism to limit core business fields, to avoid interference from irrelevant information on audit results.
Configuration Settings
| Configuration Item | Recommended Value | Rationale |
|---|---|---|
referenceSourceEnabled | true | Enable the core traceability function to meet compliance traceability requirements for credit application risk control |
referenceWhitelistFields | Applicant Name, ID Number, Credit Application Amount, Application Date | Filter core fields exclusive to credit applications to avoid mixing in traceability data unrelated to other business |
referenceMaxReturnCount | Top 3 | Adapt to the characteristics of multi-page, multi-fragment credit application materials, limit the number of returned entries to avoid redundant results |
referenceSourceTimeout | 120 seconds | Compatible with parsing duration of multi-format materials, avoid common timeout errors in version 4.8.22 |
apiReferenceReturn | Enabled | Support returning citation sources during API calls to meet external system docking requirements |
referenceExportGranularity | By entry dimension | Meet the precise traceability export requirements for single credit application data, replace the default knowledge base dimension granularity |
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 targeted analysis, and it is recommended to test on your own samples before finalizing settings.
Three common mistakes
- Phenomenon: Citations cannot be downloaded, and a
400 Bad Requesterror is displayed on the front end. Cause: ThereferenceSourceEnabledconfiguration is not enabled, causing the traceability chain to fail to establish normally. The probability of this configuration not taking effect is relatively high in version 4.8.22. - Phenomenon: No
referencefield is included in the results returned by API calls. Cause: Only the front-end display configuration is enabled, and theapiReferenceReturnswitch is not activated, so traceability information cannot be obtained through the interface. - Phenomenon: The exported traceability data contains a large number of irrelevant knowledge base entries. Cause: The
referenceWhitelistFieldsconfiguration for filtering exclusive fields is not set, causing exported content to mix in non-credit application data from other business modules.
How to confirm the configuration is complete
- Initiate a simulated credit application, check the citation source module on the front-end risk control audit interface, confirm that the displayed material names and field information match the submitted application materials.
- Call the FastGPT question-and-answer API interface, check whether the returned structured results include the
referencefield, and the field content corresponds to the core information of the application materials. - Perform a knowledge base export operation, confirm that the exported file includes traceability details for a single credit application, as well as the aggregated knowledge base directory.
- Submit a credit application material with more than 10 pages, check whether the traceability request is completed within the 120 seconds set by
referenceSourceTimeout, with no timeout errors.
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.