为贯彻落实党中央、国务院决策部署，促进平台经济健康发展，国家发展改革委、市场监管总局、国家网信办联合起草了《互联网平台价格 行为规则（征求意见稿）》（以下简称《行为规则》），近日公开征求社会意见。国家发展改革委有关负责同志就此接受采访，回答了记者 提问。 近年来，我国平台经济快速发展，在赋能实体经济、发展新质生产力、满足人民生活需要等方面发挥了积极作用。平台经济领域涉及的经营 者众多，其价格行为关系消费者切身利益，受到广泛关注。价格法、反不正当竞争法、电子商务法、消费者权益保护法等法律法规从不同角 度对经营者价格行为作出一般性规定，但在平台经济领域如何更好落实，还需要进一步细化实化监管要求，构建透明、可预期的常态化价格 监管机制，引导经营者依法合规经营。为此，国家发展改革委、市场监管总局、国家网信办在征求有关部门、地方、平台经营者和平台内经 营者、经济和法律领域专家、消费者、社会团体意见基础上，研究起草了《行为规则》。 一、《行为规则》出台的背景是什么？ 二、制定《行为规则》的总体思路是什么？ 《行为规则》坚持促进发展和监管规范并重，事前引导和事中事后监管相结合，根据现行法律法规规定，保持监管制度的稳定性，着 ...

以下文章来源于TOP创新区研究院 ，作者趋势观察组 TOP创新区研究院 . 创新区研究，就在TOP研究院。TOP研究院专注于全球创新区的一体化研究，从Talent(个人), Organization(组织), Place(区域)三大维度出发，通过"研究/连接/分享"，探索中国创新区的实践路径。 产业奇袭？ 作者 | 趋势观察组 来源 | TOP创新区研究院 (ID: TOP_Lab) "只收梦想，不收租金！" 最近半年内，一股" 0租金"产业园风潮席卷全国。地方国资纷纷拿出压箱底的优质物业， 向特定的科技企业敞开大门，免租期从两年、三年甚至长达五年，比如—— 广州：堪称"最大手笔"，2 0 2 5年7月，开发区、黄埔区一次性统筹调配了1 5万平方米的 国企产业空间试点"零租金"，成为目前全国单次供应规模最大的免租行动。符合条件的 企业根据签约年限，可享受2至3年的租金全免。 深圳：市国资委统筹了1 0万平方米的市属园区资源，为经过遴选的科创型小微企业提供 最 长 2 年 的 免 费 办 公 研 发 场 地 。 不 仅 如 此 ， 南 山 区 还 新 设 立 了 5 亿 元 的 战 略 直 投 种 子 基 金， ...

Core Viewpoint - QFIN's stock price increased by 2.05% to $42.86 per share, with a total market capitalization of $5.763 billion as of July 18 [1] - The company reported a total revenue of 4.691 billion RMB for the fiscal year ending March 31, 2025, representing a year-on-year growth of 12.94%, and a net profit attributable to shareholders of 1.8 billion RMB, up 54.62% year-on-year [1] Company Overview - QFIN is a leading credit technology platform in China, focused on providing innovative credit services to financial institutions, consumers, and small and micro enterprises [2][3] - The company aims to enhance the accessibility and personalization of credit services through technology solutions, helping financial institutions identify and assess potential borrowers [2] Target Market - The company targets consumers who are underserved by traditional financial institutions, particularly those with short credit histories and high growth potential [3] - QFIN also focuses on small and micro enterprises that lack sufficient credit history and collateral, offering tailored loan products to meet their needs [4] Services Offered - QFIN provides two main types of services: credit-driven services and platform services [4][5] - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes some credit risk [4] - Platform services include customized technology solutions throughout the loan lifecycle, such as borrower acquisition and credit assessment, without assuming credit risk [5][6] Technology Solutions - The company utilizes its "Intelligent Credit Engine" (ICE) to provide smart marketing services and assist financial institutions in initial credit screening [6] - QFIN also offers risk management SaaS services to help financial institutions improve their credit assessment processes [7]

Core Viewpoint - QFIN's stock opened up 2.1% on July 8, reaching $44.383 per share, with a total market capitalization of $5.968 billion. The company reported a total revenue of 4.691 billion RMB for the fiscal year ending March 31, 2025, representing a year-on-year growth of 12.94%, and a net profit of 1.8 billion RMB, up 54.62% year-on-year [1]. Group 1: Company Overview - QFIN is a leading credit technology platform in China, focused on providing innovative credit services to financial institutions, consumers, and small and micro enterprises [2][3]. - The company aims to enhance the accessibility and personalization of credit services through technology, helping financial institutions identify and assess potential borrowers effectively [2][3]. Group 2: Target Audience - The company targets consumers who are underserved by traditional financial institutions, particularly those with limited credit histories but stable incomes and high growth potential [3]. - QFIN also focuses on small and micro enterprises that lack sufficient credit history and collateral, offering tailored loan products to meet their needs [4]. Group 3: Services Offered - QFIN provides credit-driven services that match potential borrowers with financial institutions, facilitating credit assessments and loan origination [5][6]. - The platform services include comprehensive loan matching and post-loan services, utilizing the Intelligent Credit Engine (ICE) for smart marketing and risk management [6][7]. - The company operates a light capital model, charging service fees for facilitating loans without assuming credit risk [6][7].

Core Viewpoint - QFIN, a leading credit technology platform in China, reported a revenue of 4.691 billion RMB for the fiscal year ending March 31, 2025, reflecting a year-on-year growth of 12.94%, and a net profit of 1.8 billion RMB, up 54.62% year-on-year [1] Group 1: Company Overview - QFIN is dedicated to using credit technology to serve financial institutions, enabling consumers and small businesses to access more convenient and personalized credit services [1] - The company collaborates with 133 financial institutions, including state-owned and regional banks, as well as consumer finance companies, enhancing its service offerings [1] Group 2: Target Consumers - The company targets consumers who are underserved by traditional financial institutions, particularly those with short credit histories and high growth potential [2] - QFIN utilizes advanced technology and credit analysis capabilities to identify low-risk borrowers, thereby expanding the borrower base for financial institutions [2] Group 3: Small and Micro Enterprises - Since late 2020, QFIN has tailored loan products for high-quality small and micro enterprises, a segment often neglected by traditional banks [3] - The company leverages data analysis to identify small businesses with low default risk, facilitating their access to credit [3] Group 4: Service Offerings - QFIN provides two main types of services: credit-driven services and platform services, each designed to enhance the lending process and borrower experience [3] - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes credit risk for certain loan products [4] - Platform services offer customized technological solutions throughout the loan lifecycle, including borrower acquisition and credit assessment, without assuming credit risk [5] Group 5: Technology Solutions - The company employs the Intelligent Credit Engine (ICE) to provide smart marketing services to financial institutions, enhancing borrower matching and initial credit screening [5] - QFIN also offers referral services for users who do not meet the risk preferences of its partners, generating referral fees [5] - The company has introduced modular risk management SaaS services to help financial institutions improve borrower acquisition and credit assessment [5]

Core Viewpoint - QFIN, a leading credit technology platform in China, reported a revenue of 4.691 billion RMB for the fiscal year ending March 31, 2025, representing a year-on-year growth of 12.94%, and a net profit of 1.8 billion RMB, up 54.62% year-on-year [1] Group 1: Company Overview - QFIN is dedicated to using credit technology to serve financial institutions, enabling consumers and small businesses to access more convenient and personalized credit services [1] - The company collaborates with 133 financial institutions, including state-owned and regional banks, as well as consumer finance companies, enhancing its service offerings [1] Group 2: Target Consumers - The company targets consumers who are underserved by traditional financial institutions, particularly those with short credit histories and high growth potential [2] - QFIN utilizes advanced technology and credit analysis capabilities to identify low-risk borrowers, helping financial institutions expand their borrower base [2] Group 3: Small and Micro Enterprises - Since late 2020, QFIN has tailored loan products for high-quality small and micro enterprises, a segment often neglected by traditional banks [3] - The company leverages data analysis to identify small businesses with low default risk, facilitating their access to credit [3] Group 4: Service Offerings - QFIN provides two main types of services: credit-driven services and platform services, each designed to enhance the lending process and borrower experience [3] - Credit-driven services match potential borrowers with financial institutions, where QFIN assumes credit risk for certain loan products [4] - Platform services offer customized technological solutions throughout the loan lifecycle, including borrower acquisition and credit assessment, without assuming credit risk [5] Group 5: Technology Solutions - The company employs the Intelligent Credit Engine (ICE) to provide smart marketing services to financial institutions, enhancing borrower matching and initial credit screening [5] - QFIN also offers referral services for users who do not meet the risk preferences of its partners, generating referral fees [5] - The company has introduced modular risk management SaaS services to help financial institutions improve borrower acquisition and credit assessment [5]

Core Viewpoint - QFIN, a leading credit technology platform in China, aims to enhance credit services for consumers and small businesses through innovative technology solutions, resulting in significant financial growth and partnerships with financial institutions [1][2][3]. Financial Performance - As of March 31, 2025, QFIN reported total revenue of 4.691 billion RMB, representing a year-on-year growth of 12.94% - The net profit attributable to shareholders reached 1.8 billion RMB, showing a substantial increase of 54.62% [1]. Company Overview - QFIN focuses on providing technology-driven credit services to financial institutions, enabling easier access to credit for consumers and small businesses [1]. - The company has established partnerships with 133 financial institutions, including state-owned and regional banks, as well as consumer finance companies, enhancing its service offerings [1]. Target Market - The company targets consumers who are underserved by traditional financial institutions, particularly those with short credit histories and high growth potential [2]. - QFIN also caters to small and micro enterprises that lack sufficient credit history or collateral, offering tailored loan products [3]. Service Offerings - QFIN provides two main types of services: credit-driven services and platform services, each designed to meet the diverse needs of financial institution partners and users [3][4]. - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes credit risk for certain loan products [3]. - Platform services include customized technology solutions throughout the loan lifecycle, such as borrower acquisition, credit assessment, and post-loan services, without assuming credit risk [4][5]. Technology Utilization - The company employs advanced data analysis and credit assessment capabilities to identify low-risk borrowers, thereby expanding the borrower base for financial institutions [2][3]. - QFIN's "Intelligent Credit Engine" (ICE) provides smart marketing services to financial institutions, enhancing borrower matching and initial credit screening [5].

Financial Performance - The company achieved an operating income of 902.79 million yuan and a net profit attributable to shareholders of 95.02 million yuan for the fiscal year 2024 [2] - The overseas business revenue for 2024 was 93.62 million yuan, accounting for 10.37% of total revenue [8] Future Growth Drivers - The company will focus on core businesses and leverage opportunities in emerging fields such as IoT, fintech, data security, and big data for technological breakthroughs and product innovation [3] - Plans to deepen product capabilities and increase investment in security products like communication modules, RFID, mobile smart terminals, and identity recognition [5] Industry Outlook - The company is positioned at a pivotal point in the industry, benefiting from technological revolutions and policy incentives, with a focus on AI, blockchain, and quantum encryption technologies [3][6] - The overall market demand in the industry has decreased, leading to intensified competition [6] Strategic Initiatives - The establishment of Jiangsu Zhenjiang Yunbao Technology Industry Development Co., Ltd. aims to optimize strategic layout and enhance market competitiveness [7] - The company is actively seeking partnerships with major tech firms to provide high-end intelligent products and digital security solutions [5] Stock Performance and Market Sentiment - The stock price is influenced by macroeconomic factors, industry developments, and investor sentiment, leading to uncertainty [5] - The management expresses confidence in the company's sustainable and stable development despite external challenges [5] Shareholder Engagement - The company is committed to enhancing shareholder value through effective cash management and securities investment [4] - Future share repurchase plans will be disclosed in a timely manner if they arise [7]

Core Viewpoint - QFIN's stock price increased by 2.49% to $43.57 per share, with a market capitalization of $5.859 billion as of May 23 [1] - For the fiscal year ending December 31, 2024, QFIN reported total revenue of 17.166 billion RMB, a year-on-year increase of 5.38%, and a net profit attributable to shareholders of 6.264 billion RMB, a year-on-year increase of 46.18% [1] Group 1: Company Overview - QFIN is a leading credit technology platform in China, focused on providing innovative credit services to financial institutions, consumers, and small and micro enterprises [2][3] - The company aims to enhance the accessibility and personalization of credit services through technology solutions, helping financial institutions identify and assess potential borrowers [2][3] Group 2: Target Audience - The company targets consumers who are underserved by traditional financial institutions, particularly those with short credit histories and high growth potential [3] - QFIN also focuses on small and micro enterprises that lack sufficient credit history or collateral, offering tailored loan products to meet their needs [4] Group 3: Service Offerings - QFIN provides two main types of services: credit-driven services and platform services, both designed to improve the lending process and borrower experience [4][5] - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes some credit risk [4][6] - Platform services include a range of technology solutions for different stages of the loan lifecycle, such as borrower acquisition and credit assessment, without assuming credit risk [5][6] Group 4: Technology Solutions - The company utilizes its "Intelligent Credit Engine" (ICE) to provide smart marketing services and assist financial institutions in initial credit screening [6][7] - QFIN also offers risk management SaaS services to help financial institutions improve their credit assessment processes [7]

Core Viewpoint - QFIN's stock price increased by 4.97% on May 12, reaching $44.675 per share, with a total market capitalization of $6.269 billion. The company reported a total revenue of 17.166 billion RMB for the year ending December 31, 2024, representing a year-on-year growth of 5.38%, and a net profit of 6.264 billion RMB, which is a 46.18% increase year-on-year [1][2]. Group 1: Company Overview - QFIN is a leading credit technology platform in China, focused on providing innovative credit services to financial institutions, enabling consumers and small businesses to access personalized credit solutions [2][3]. - The company collaborates with 133 financial institutions, including state-owned and regional banks, to enhance credit assessment and risk management processes [2]. Group 2: Target Audience - The company targets consumers who are underserved by traditional financial institutions, particularly those with limited credit histories but stable incomes and high growth potential [3]. - QFIN also focuses on small and micro enterprises that lack sufficient credit history and collateral, offering tailored loan products to meet their needs [4]. Group 3: Service Offerings - QFIN provides two main types of services: credit-driven services and platform services, both designed to improve the lending process and enhance user experience [4][5]. - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes credit risk for certain loan products [4]. - Platform services include a range of technology-driven solutions throughout the loan lifecycle, such as borrower acquisition, credit assessment, and post-loan services, without assuming credit risk [5][6]. Group 4: Technology and Innovation - The company utilizes its proprietary Intelligent Credit Engine (ICE) to offer smart marketing services and assist financial institutions in initial credit screening [6]. - QFIN has also introduced a risk management SaaS service to help financial institutions improve their credit assessment processes [7].