What the data for this category looks like
Financial documents submitted by users form the main data sources for credit application risk control. These documents include individual or enterprise ID cards, business licenses, bank statements, tax certificates, income certificates, and similar materials. Users submit either static files once, or periodic recurring statement files. Document structure falls into two categories: structured form fields and semi-structured tables. Fields cover applicant identity information, credit limit, repayment term, transaction amount, tax amount, and similar items. Units include yuan, ten thousand yuan, date formats, and similar formats. Some documents contain table content that spans multiple pages.
What constraints these characteristics impose on the document parsing and chunking link
Parsing must precisely match field identifiers for the fixed multi-field format of structured forms, to avoid missing or incorrectly submitting key information. Chunking must retain contextual association of single transaction records for long text and cross-page tables in semi-structured statements, and must not split complete transaction records. Parsing and chunking must implement boundary control for identity and financial sensitive fields to meet compliance requirements. The parsing process must support long processing durations and large file limits for large-volume documents submitted once.
How to set the configuration
| Config Item | Recommended Value | Rationale |
|---|---|---|
PARSE_FILE_MAX_SIZE | 500 MB | Credit application documents often contain multi-page statements and financial reports, with large individual document volumes |
Chunk size | 800–1200 characters | Must retain complete context of a single transaction or single form field group, to avoid splitting key information |
Custom Separator | Transaction Date, Amount, Taxpayer Identification Number | Matches the separation logic of structured fields in credit documents, to accurately split chunk content |
PARSE_FILE_TIMEOUT_SECONDS | 120 seconds | Large multi-page document parsing requires longer processing time, to avoid mid-process interruptions |
Enable Cross-page Parsing | Enabled | Tables and forms in credit documents often span multiple pages, requiring merged cross-page content to ensure complete information |
Sensitive Information Desensitization Configuration | Enable ID number, bank card number desensitization | Credit documents contain large amounts of sensitive financial information, requiring compliance with data regulatory requirements |
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 case-by-case analysis. It is recommended to test on your own samples before finalizing settings.
Three common mistakes
- Phenomenon: Parsing results return empty or lack transaction statements and tax detail content. Cause: Custom separators matching credit documents are not configured. Default separators cannot recognize structured fields, leading to failure to extract valid parsing content.
- Phenomenon: Parsing tasks return timeout errors after triggering, or large statement documents cannot be loaded in version v4.8.14. Cause: The value of
PARSE_FILE_TIMEOUT_SECONDSis set too small, or the document volume exceeds thePARSE_FILE_MAX_SIZElimit. For versions v4.8.10 and earlier, also confirm whether container memory allocation meets parsing requirements. - Phenomenon: Chunked content splits a single complete transaction record or form field group. Cause: The value of
Chunk sizeis set too small, or custom separators do not cover the context starting identifier of the transaction, leading to cross-chunk truncation of key information.
How to confirm the configuration is correctly set
- Upload a single typical credit document (such as a personal bank statement PDF) and check the field extraction completeness of the parsing results. Verify whether core fields such as identity information and transaction amount are accurate.
- Check the background logs of the parsing task to confirm that no timeout errors are triggered, and the document volume does not exceed the
PARSE_FILE_MAX_SIZElimit. - Review the chunk result list to confirm that single transaction records are not split into two different chunks, and chunk lengths fall within the preset
Chunk sizerange. - After enabling the sensitive information desensitization configuration, verify whether bank card numbers and ID numbers in the parsing results have been desensitized.
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.