从旗下品牌"还呗"围绕"借与还"展开的普惠叙事，到"美好回音"公益IP在乡村教育、心理健康等领域的 温暖浸润，数禾科技以其独特的商业向善逻辑，诠释着一家金融科技企业的厚重担当与绵长回音。 一、从"金融向善"到"责任融入"，构建可持续公益生态 数禾科技的社会责任实践，并非孤立的企业慈善行为，而是源于其核心业务逻辑的自然延伸与价值升 华。 公司自成立以来，始终将"普惠金融"作为发展基石，通过旗下消费分期服务平台"还呗"，服务于广 大"新市民"、小微经营者等群体，致力于解决他们在发展中的短期资金周转难题。 当责任成为标尺，时代回响便有了清晰的刻度。 近日，2025(第八届)社会责任大会在北京隆重启幕。数禾科技凭借"美好回音"公益项目的扎实深耕与持 续践行，荣获"2025年度责任优秀企业"称号。 这份荣誉，不仅是对数禾科技长期以来恪守"金融向善"初心的肯定，更是对其以创新模式参与社会议 题、推动可持续价值创造的深度认可。 荣获"奥纳奖"的"美好回音"项目，其核心在于它并非简单的"给予"，而是一场强调"共鸣、共创、持续 回响"的深度社会参与。 数禾科技在其中扮演的，更像是一个"连接器"和"赋能平台"的角色，通过整合企业 ...

在当今消费信贷市场蓬勃发展的浪潮中，"还呗"作为一款备受瞩目的借贷产品，背靠A股上市公司 分众 传媒 ，由 上海数禾信息科技有限公司 运营，凭借 金融科技 的概念在市场中一路狂奔。然而，深入探 究其运营模式与用户反馈，不难发现，"还呗"实则是一个隐藏在金融科技光环下的高利贷陷阱，伴随着 一系列令人震惊的乱象。 "还呗"的产品页面虽清晰标注年化利率（单利）为7.2%-35.99%，看似符合监管要求，但实际上却暗藏 玄机。大量投诉案例表明，用户的真实借贷成本被一系列复杂且不透明的收费项目推高至36%的监管红 线边缘。"会员费""担保费"成为了利率的"放大器"，是"还呗"被用户诟病最多的手段。 营销电话的"无差别攻击"也让用户苦不堪言。即便是从未借款的用户，也可能被卷入这场骚扰漩涡。据 《财中社》2025年9月的报道，有用户仅因好奇在"还呗"小程序中输入了手机号，未完成注册流程，便 在随后几分钟开始接到密集的上海区号来电，骚扰持续数月。另一名用户则是在注销账号后，仍被"还 呗"工作人员用私人手机号持续推销骚扰长达半年。这种无差别的、侵犯性极强的营销方式，将"获 客"变成了"扰民"，严重影响了用户的正常生活。 面对潮 ...

Core Viewpoint - The advertisement by "Huanbei" claims that borrowers will only repay the amount they borrowed, but the actual terms reveal hidden costs and high interest rates, potentially violating regulatory guidelines [5][7][12]. Summary by Sections Advertising Claims - "Huanbei" promotes a no-interest borrowing scheme, stating "borrow 30,000, repay 30,000" [1]. - The advertisement misleads users about the actual costs associated with borrowing [7]. Loan Terms and Costs - A test loan of 1,000 yuan results in monthly repayments of 346.75 yuan, leading to an annualized comprehensive cost of 23.99% [5]. - The loan includes a 12% interest rate, with additional fees from guarantors, and penalties for late payments can double the interest rate to 24%, resulting in a total cost of 35.99% [7][10]. Regulatory Compliance - The "Huanbei" platform's practices may violate the "Assisted Loan New Regulations," which limit the total financing cost to 24% annually [7][11]. - The regulations require transparency in fees and prohibit hidden charges, which "Huanbei" appears to circumvent through complex agreements [8][11]. Legal and Institutional Responses - Legal experts highlight that the high fees and penalties could be deemed excessive and potentially illegal under current financial regulations [7]. - Citic Baixin Bank, involved in the loan process, has faced penalties for non-compliance with regulatory standards, indicating systemic issues within their operations [11][12]. User Experience and Data Privacy - Users are required to authorize extensive personal data access, raising concerns about privacy and the potential for aggressive marketing from third parties [8][10]. - The loan disbursement process involves multiple entities, complicating the transparency of the transaction [10].

Core Viewpoint - The "An Yi Hua" customer service team, part of Guangxi New Development Transportation Group Co., Ltd., is dedicated to providing high-quality service and support to drivers, emphasizing a commitment to customer satisfaction and community engagement [1][3][6]. Group 1: Team Structure and Philosophy - The "An Yi Hua" team consists of 13 members with an average age of 25, focusing on customer service, monitoring management, and fee inspection [1] - The team operates under the service philosophy of "starting from demand and ending with satisfaction," aiming to provide warmth and support to drivers 24/7 [3][6]. Group 2: Community Engagement and Volunteerism - The team actively participates in various volunteer activities, including pandemic response efforts and community support initiatives, embodying the spirit of service and solidarity [6][7]. - They have engaged in numerous volunteer activities, contributing to causes such as "Caring for Special Children" and "Unity Against the Pandemic," showcasing their commitment to social responsibility [6]. Group 3: Technological Advancements - The team has developed a smart highway platform that integrates multiple functions, enhancing emergency management and response capabilities [8][10]. - The introduction of AI technology for incident detection has significantly improved response times, with over 31,000 abnormal events identified since implementation [12]. Group 4: Customer Service Excellence - The team has handled over 3,000 customer service calls and 500 emergency rescue events since 2019, achieving a customer satisfaction rate of 99% [15][16]. - They have established service standards and protocols to enhance service quality, ensuring a consistent and positive customer experience [15]. Group 5: Emergency Response and Safety - The team emphasizes the importance of safety and rapid response in emergency situations, implementing a three-party emergency mechanism for efficient incident management [19]. - They have optimized emergency rescue processes to ensure quick and effective responses to road incidents, reinforcing their role as guardians of road safety [19][21].

Core Viewpoint - Telecom network fraud has become a significant threat to the financial security of the public, with criminals increasingly using advanced methods to deceive users, particularly through fake customer service numbers that start with "00" [1][2]. Group 1: Fraud Methods and User Awareness - Recent monitoring by the company has identified numerous instances of overseas fraud groups exploiting online platforms to disseminate fake customer service numbers, primarily those beginning with "00", impersonating the company's official customer service [2]. - Fraudsters often use misleading branding and technical means to simulate official communication, making it difficult for consumers to discern the truth, leading to potential personal information leaks and financial losses [2][3]. - The company emphasizes that its only official customer service hotline is 400-681-6666, and any other numbers claiming to be customer service are fraudulent [2]. Group 2: Anti-Fraud Measures and Technology - The company has established a comprehensive anti-fraud mechanism leveraging technology, including artificial intelligence and big data analysis, to prevent, intercept, and trace fraudulent activities [4]. - The company has implemented proactive measures such as user behavior modeling and anomaly detection systems to identify and block high-risk links and scams before they reach users [4]. - As of now, the company has made 250,000 proactive phone reminders, successfully preventing nearly 8,000 users from falling victim to scams, saving over 130 million yuan in potential losses [4]. Group 3: User Education and Collaboration - The company is committed to enhancing user education and public awareness about fraud through various outreach initiatives, including educational posters and case studies, to improve the public's ability to recognize and avoid scams [5]. - Collaboration with regulatory bodies, law enforcement, and industry peers is ongoing to share intelligence on fraudulent activities and assist in targeted law enforcement actions [5]. - A robust consumer rights protection management system has been established, focusing on product design, service experience, complaint handling, and data security [5]. Group 4: Commitment to Security - The company pledges to continue investing in technology and resources to enhance its anti-fraud capabilities and protect user assets and privacy [6]. - Users are urged to report any suspicious activities through official channels or law enforcement to strengthen the collective defense against fraud [6].

Core Insights - China is a leading market in the global fintech industry, with significant transformations in traditional financial systems driven by digital and technology finance [1][4] - The rise of malicious collection organizations under the guise of protecting consumers has disrupted financial services and caused significant harm to users [1][2] - Companies like Shuhe Technology are actively promoting financial literacy and fraud prevention to combat the negative impacts of financial black and gray markets [2][3] Group 1: Financial Technology Development - Shuhe Technology, established in 2015, has become a key player in China's fintech sector, focusing on inclusive finance as its core business [5] - The company has activated 150 million users and provided financial services to over 20 million individuals [5] - Shuhe Technology leverages AI and other technologies to enhance financial services, including intelligent marketing, risk control, and customer service [5][6] Group 2: Consumer Education and Fraud Prevention - Shuhe Technology has launched initiatives like "Huabei Anti-Fraud Illustrated" and "User Concerns" to educate consumers about financial fraud and improve their financial literacy [3][4] - These educational efforts aim to enhance users' ability to identify risks associated with financial black and gray markets [3][4] - The company is committed to helping users understand financial services better, thereby reducing the prevalence of financial fraud [4][5] Group 3: Support for Small and Micro Enterprises - Shuhe Technology has provided over 90 billion yuan in loan facilitation services to 1.5 million small business owners and individual entrepreneurs [6] - The company covers various sectors, including wholesale, retail, and hospitality, aligning with national policies to support small and micro enterprises [6] Group 4: Alignment with National Financial Strategies - Shuhe Technology is actively contributing to the "Five Major Financial Articles" proposed by the central government, focusing on technology, green finance, inclusive finance, pension finance, and digital finance [7] - The company is positioned as a catalyst for improving national living standards and regional economic development through high-quality financial services [7]

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]