贷后管理传统手段接连失效？这家企业用AI技术撕开破局口！

Core Viewpoint - The financial industry is facing significant challenges in post-loan management due to increased regulatory scrutiny on traditional methods such as phone calls and pre-litigation preservation, necessitating innovative solutions that comply with regulations while effectively reaching debtors [1][2][3]. Group 1: Regulatory Changes - The exposure of harassment calls during the 315 Gala has led to intensified regulatory measures, making phone calls for debt collection increasingly difficult [2]. - Since July, there has been a surge in account bans and fines related to phone calls, severely impacting the effectiveness of traditional debt collection methods [2]. - The limitations on pre-litigation preservation, effective from June 30, have further reduced the efficacy of judicial pathways for debt recovery, leaving the industry in a challenging position [3]. Group 2: Innovative Solutions - Wuhan Zhiping Tang Technology Co., Ltd. has developed an innovative "Address Finding" technology that combines technology and compliance to address the challenges in post-loan management [1][4]. - The "函必达 HC Intelligent Delivery" system, based on the "Address Finding" technology, has achieved a 75% signing rate for legal documents, significantly higher than the industry average of 30% [5][12]. - The company has built a comprehensive standard address database covering over 450 million active addresses, enhancing the effectiveness of document delivery [8]. Group 3: Technological Advancements - The "Address Finding" technology utilizes AI algorithms and big data to standardize and validate address information, improving the accuracy and completeness of addresses used for document delivery [7]. - The development of seven intelligent models, including repayment ability scoring and second contact selection, provides a full-link solution for decision-making in document delivery [9]. - The establishment of a fully automated packaging factory in collaboration with China Post allows for efficient processing of up to 50,000 documents daily, reducing errors and improving delivery precision [10]. Group 4: Strategic Collaborations - The strategic partnership with China Post enhances the delivery capabilities, ensuring that documents can reach even remote areas effectively [11][12]. - The company has implemented a customer service team to monitor delivery progress and address any issues that arise during the delivery process, further increasing the success rate of document delivery [12]. Group 5: Industry Impact - The innovative solutions provided by Zhiping Tang Technology have positioned it as a leader in the market, with over 10 million legal documents sent and more than 100 financial institutions served [13]. - The integration of compliance and technology is seen as a pathway for the industry to evolve, moving away from reliance on shortcuts and towards sustainable growth through technological innovation [14].