360借条升级为奇富借条，双十一免息计划破解小微备货资金难题

Core Insights - The article highlights the launch of a special interest-free plan by Qifu Technology, the parent company of 360 Borrowing, aimed at supporting small and micro businesses during the Double Eleven shopping festival [1] Group 1: Financial Support Initiatives - Qifu Technology has introduced a "Double Eleven Interest-Free Plan" to alleviate the financial pressures faced by small and micro businesses during the extended promotional period [1] - The plan includes multiple support measures such as cash rebates, 12-month interest-free loans, emergency working capital, and surprise lotteries [1] - High-quality merchants can receive cash rebates up to 1,188 yuan, with tiered borrowing thresholds that further reduce financial burdens [2] - A 12-month interest-free coupon is available for direct, no-threshold access, allowing merchants to combine it with cash rebates for double discounts [2] - Emergency working capital of up to 200,000 yuan is offered for a maximum of 14 days, addressing urgent funding needs [2] Group 2: Technological Empowerment and Risk Control - Qifu Technology's support measures are backed by advanced technology, including a self-developed large model and a core technology system comprising small and micro knowledge graphs and enhanced profiling [3] - The Argus intelligent risk control engine integrates various data sources such as credit, business, and tax information to assess risks throughout the lending process [3] Group 3: Comprehensive Ecosystem Development - Qifu Technology's support for small and micro enterprises has evolved from merely providing funds to offering comprehensive empowerment [4] - The company provides flexible loan amounts ranging from 1,000 to 200,000 yuan, catering to various needs from emergency rent to capacity expansion [4] - In Zhejiang, the company has optimized its approval model to achieve a 95% loan approval rate, ensuring both the fulfillment of funding needs and loan safety [4] - The "Rich Empowerment Plan" offers exclusive services to high-credit users, including repayment fee reductions and monthly interest-free quotas [4] - The transition from 360 Borrowing to Qifu Borrowing signifies not just a rebranding but a comprehensive enhancement of service philosophy and capabilities, contributing to the vitality of the real economy [4]