个性化纾困 海德股份以数字平台重塑个贷不良资产处置新范式

Core Viewpoint - The traditional model for handling non-performing personal loans is undergoing a significant transformation, with Haide Co., Ltd. leading the way through its innovative "Haide Personal Relief Platform," which shifts from adversarial collection to a digital and humane debt assistance approach, providing a new paradigm for sustainable industry development [2] Group 1: Company Initiatives - As of mid-2025, Haide Co., Ltd. holds approximately 9.768 billion yuan in non-performing personal loan principal, involving over 485,100 debtors [3] - The company has adopted a "relief and assistance" philosophy, embedding social responsibility into its business logic, and has cumulatively reduced debt amounts exceeding 300 million yuan for eligible debtors [3] - Haide Co., Ltd. recognizes that many debtors are not malicious defaulters but are facing temporary difficulties, leading to the creation of the "Haide Personal Relief Platform" in collaboration with Ant Group's technology enterprises [3] Group 2: Technological Integration - The platform utilizes big data and artificial intelligence to create precise profiles and repayment ability assessments for debtors, offering tailored solutions such as debt restructuring, installment deferrals, and interest reductions [3] - This approach transforms cold creditor-debtor relationships into long-term supportive operations, enhancing repayment efficiency and helping debtors rebuild credit and return to normal life [3] Group 3: Compliance and Effectiveness - In 2024, Haide Asset Management successfully connected to the People's Bank of China credit reporting system, becoming one of the few licensed AMCs to report personal credit [4] - This move significantly enhances the company's precision in risk pricing and asset management, while providing debtors with a standardized and transparent credit repair pathway [4] - Notably, in the first half of 2025, the company maintained a "0 complaints, 0 disputes" record in personal credit reporting, demonstrating the compliance of its operational model and respect for debtor rights [4] Group 4: Future Outlook - With the continuous expansion of the trial scope for transferring non-performing personal loans, the market supply is increasing, providing ample opportunities for professional institutions [4] - Haide Co., Ltd. plans to further optimize the "Personal Relief Platform" features, deepen technological applications, and steadily expand its business scale while fulfilling its social responsibility to help enterprises mitigate risks and assist individuals in rebuilding their lives [4]