Core Viewpoint - The article highlights the increasing prevalence of financial "black and gray industries" under the guise of "debt optimization," "credit repair," and "anti-collection," which pose significant threats to consumer rights and financial market order [1][3] Group 1: Case Overview - A recent case in Changning District involved the successful crackdown on an information infringement and extortion case, marking the first time illegal "rights protection agents" in the lending sector were classified as extortion [1][2] - The criminal group, led by Zeng Moupeng and others, illegally obtained personal information and extorted financial platforms, with the total amount involved exceeding one million yuan [2][3] Group 2: Law Enforcement and Corporate Collaboration - The collaboration between law enforcement and financial technology companies, such as Xinfly Technology, has proven effective in combating financial black and gray industries [3][4] - Xinfly Technology established a special task force to monitor and report suspicious complaints, leading to the identification of high-risk activities and subsequent police involvement [1][3] Group 3: Technological Innovations - Xinfly Technology has developed an intelligent risk control system that utilizes artificial intelligence and machine learning to detect abnormal behaviors and potential risks [4] - In 2024, the company captured over 10,000 fraud-related leads and identified more than 6,000 cases of black and gray industry activities, demonstrating its commitment to consumer protection and financial security [4] Group 4: Future Directions - The company aims to strengthen its anti-fraud defenses through technology and collaboration with law enforcement and financial institutions, maintaining a high-pressure stance against black and gray industry activities [4]

Core Insights - The article highlights the significant milestone of Shuhe Technology as it celebrates its tenth anniversary and rebrands from "SHUHE GROUP" to "SHUHE TECH," reflecting a strategic shift and commitment to excellence in the fintech sector [1] - Shuhe Technology aims to provide optimal financial services for everyone, leveraging digital intelligence as a key driver by integrating cutting-edge technology with credit services [1] Group 1: Technological Empowerment in Credit Services - In the financial credit sector, technological innovation is essential for enhancing service quality and efficiency, with Shuhe Technology incorporating AI and big data into its credit service processes [2] - The company utilizes big data to analyze vast user data, creating detailed user profiles and offering personalized credit product recommendations, significantly improving service accessibility and matching [2] - Shuhe Technology's intelligent risk control is a core competitive advantage, employing advanced AI algorithms to build models that assess credit status and risks in real-time, thus enhancing credit evaluation and reducing lending risks [2] Group 2: Efficient Credit Matching Platform - Shuhe Technology has developed an efficient and transparent credit matching platform that uses intelligent algorithms to match user needs with financial institutions, facilitating quick and effective allocation of credit funds [3] - This precise matching model enhances the efficiency of fund utilization for financial institutions while providing users with high-quality and convenient credit services, promoting financial inclusivity [3] Group 3: Innovation and Intellectual Property - The company places a strong emphasis on technology research and intellectual property protection, having filed over 370 patents and received 97 software copyrights and 73 invention patents [4] - These achievements underscore Shuhe Technology's innovation capabilities and its core competitiveness in the fintech industry, earning it various accolades such as "High-tech Enterprise" and "Shanghai Specialized and Innovative Enterprise" [4] - The accumulation of patents and industry honors enhances the company's brand image and fosters market trust, motivating further technological advancements [4] Group 4: Customer Service Evolution - Shuhe Technology's subsidiary, Haibei, has evolved its customer service model to prioritize user experience, transitioning from basic text and voice interactions to an AI-driven customer service 3.0 model [5][6] - The AI customer service system boasts a 98% speech recognition accuracy and can proactively address user inquiries while suggesting solutions, significantly improving service quality [6] Group 5: Future Vision - Looking ahead, Shuhe Technology is committed to leveraging core technologies to advance inclusive finance and aims to be a lifelong intelligent financial partner for users, providing high-quality and personalized financial services [7]