"电话卡被封了几十张，外呼监管越来越严了。更难受的是，诉前保全也从7月开始限制了。现在的贷后 管理，传统的处置方式都行不通了！"某消金公司贷后负责人的感慨，道尽了近期个贷处置领域的集体 焦虑。 随着监管的不断加强，金融贷后管理依赖的两大核心手段——电话外呼和诉前保全，如今已双双失去往 日的威力。在这场合规与效能的博弈中，传统处置手段已经难以为继，金融行业亟需一套既能守住合规 底线，又能突破执行困局的创新解法。 在悄然萌芽的贷后处置变革中，武汉智品堂科技有限公司(以下简称：智品堂科技)以"科技+合规"双轮 驱动，率先研发出"地址找人"技术，成为破局的关键。 传统手段失效：贷后处置进入变革期 一、外呼监管加强，金融电催遭遇重击 自今年315晚会曝光了骚扰电话、非法外呼等问题后，监管部门陆续推出了一系列政策，要求各地运营 商清理"违规电话外呼"，推动行业自查自纠。起初，部分人认为这可能只是短期的"节奏性收紧"，但事 实并非如此。 315晚会的曝光如同推倒了第一块多米诺骨牌，监管开始持续加码，电话外呼自此变得格外艰难起来。 尤其是7月份，电话外呼迎来"封禁潮"，封号、罚款，甚至客服团队全员停摆，外呼经历了一场前所未 ...

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]