逾期债务人失联率超85%？“AI+大数据”精准追踪破解金融找人难题

Group 1: Market Overview - The Chinese consumer finance market is experiencing unprecedented expansion as the economy shifts from investment-driven to consumption-driven growth, with a cumulative personal consumption loan issuance of 1.8 trillion yuan over two years [1] - The balance of personal consumption loans from six major state-owned banks exceeded 1 trillion yuan in 2024, alongside an 800 billion yuan increase in 2023 [1] Group 2: Asset Quality Concerns - The rapid expansion of consumer loans has led to rising asset quality issues, with a reported non-performing loan (NPL) rate of 2.39% for personal consumption loans and 3.50% for credit cards by the end of 2024, both showing a significant year-on-year increase of 1.05 percentage points [1] - High NPL rates pose serious challenges to financial institutions' asset quality, profitability, and sustainable development [1] Group 3: Post-Loan Management Challenges - The financial industry faces difficulties in post-loan management, including high rates of borrower default and difficulty in contacting borrowers, with a traditional collection method showing an 85% failure rate for overdue accounts [3] - Complaints regarding malicious collection practices reached 362,000 in 2024, accounting for 48.7% of all financial consumer complaints, with monthly complaint rates exceeding 40% [3] Group 4: Technological Solutions - AI and big data are emerging as key solutions to address challenges in post-loan management, with companies like Wuhan Zhipintang Technology Co., Ltd. developing innovative systems to enhance efficiency [6][10] - The "Huanbidai HC Intelligent Delivery" system integrates AI and address big data to improve the accuracy of address identification and delivery processes, significantly increasing delivery success rates [6][10] Group 5: Implementation and Results - The "Huanbidai" system has achieved a delivery success rate of 75%, compared to the traditional average of 30%, leading to a more than 30% increase in repayment rates for financial institutions using the system [9] - A notable test conducted by a well-known internet bank showed a peak repayment rate increase of 91% within a single day of using the "Huanbidai" system [9] Group 6: Future Prospects - Zhipintang Technology is expanding its address data services and plans to integrate address elements into risk assessment systems for pre-loan risk control, aiming to create a comprehensive technology-enabled ecosystem for the entire credit lifecycle [12] - The company is also exploring diverse applications of address technology across various sectors, including public services, e-commerce, legal, and data analysis, thereby broadening its market reach [12]