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].

Core Insights - The article highlights the transformative impact of AI and big data on various industries, with a focus on the innovative "Address Finding" technology developed by Wuhan Zhipintang Technology Co., Ltd, which offers groundbreaking solutions across financial risk control, judicial services, business operations, and public governance [1] Technology Overview - The "Address Finding" technology integrates big data analysis and AI to efficiently consolidate and analyze address and personnel information, achieving legal and precise address identification [2] - The technology utilizes resources from major mapping services and open databases, creating a comprehensive address database that includes over 450 million active standard addresses [2] - A key component is the address standardization model, which enhances the accuracy and completeness of address information, achieving an 85% effectiveness rate and significantly reducing delivery failure rates [2] Service Innovation - The address selection model identifies the best addresses for mail delivery, maximizing the signing rate, with the "Huanbidai" delivery service achieving a signing rate of 75%, 2.5 times higher than the industry average [3] Industry Empowerment - The "Address Finding" technology and "Huanbidai" service provide innovative service models and technical support for various sectors, including financial post-loan management, legal document delivery, targeted marketing, and public management [4] - In the financial sector, the technology addresses the challenge of locating overdue borrowers, improving repayment rates by over 30% during testing phases with a partner internet bank, with peak daily repayment rates reaching 91% [4] Legal Document Delivery - The "Huanbidai" service resolves issues related to legal document delivery, enhancing efficiency and reducing costs, with a daily processing capacity of 50,000 documents [5] - The service has maintained the top position in China's postal lawyer letter delivery for six consecutive years, sending nearly 10 million special legal documents in collaboration with over 100 financial and intellectual property institutions [5] Broader Applications - The "Address Finding" technology shows vast potential in areas such as precise marketing and public management, with the expansion of 5G networks, IoT devices, and blockchain technology enhancing data application boundaries [6] - The synergy between AI algorithms and address big data is driving innovation across industries, with Zhipintang Technology establishing a cross-domain technical empowerment system that fosters the integration of digital and physical economies [6]