十年深耕，数禾科技已构建起独立、稳健的金融科技生态体系，实现业务模式系统性创新，完成运营能 力规模化验证，人才与技术储备稳居行业领先水平，更建立起不依赖单一股东、完全独立的运营体系及 自我造血能力。此次调整是双方达成共识的"战略脱钩"，标志着数禾科技的发展将进入一个更加独立、 专注的新阶段。我们将继续坚定不移地深耕数字化金融服务领域，坚持"科技驱动金融"的初心，以自身 成熟的商业模式、坚实的技术底座和稳健的风控体系，积极拥抱行业规范发展的新周期。依托这一坚实 基础与发展定位，面对金融消保领域的新挑战与新需求，数禾科技正以创新实践引领行业变革。 2025年9月，金融监管总局牵头开展金融教育宣传周，明确将"防范电信诈骗，保护财产安全"及"抵制非 法中介，维护金融秩序"列为重点议题。在此背景下，金融消费者权益保护的内涵也悄然演变——其范 畴从传统的交易公平、信息透明，延伸至对电信诈骗、金融黑灰产等外部威胁的行业协同治理。 面对年增速曾高达10倍的黑灰产挑战，以及其日益专业化、产业化的发展趋势，依托自身坚实生态与技 术基础的数禾科技，以"智慧宣教、科技赋能、生态共治"三维架构为核心，将消费者权益保护从企业内 部风控环 ...

Core Insights - The article highlights the transformative journey of Shuhe Technology in the fintech sector since its establishment in 2015, emphasizing its commitment to "empowering finance through technology" and its role in driving high-quality development in the industry [1][2]. Group 1: Achievements and Scale - Shuhe Technology has facilitated a cumulative transaction volume exceeding 1 trillion yuan over the past decade, reflecting its rapid expansion and market influence in areas such as loan services, intelligent risk control, and big data applications [2]. - The company has been recognized as a national high-tech enterprise, underscoring its innovative capabilities and leading position in the fintech sector [2]. Group 2: Technological Innovation - Shuhe Technology has established an efficient self-service system in the intelligent customer service domain, achieving a self-service resolution rate of 98.7%, significantly enhancing user experience and service efficiency [2][5]. - The company employs intelligent risk control measures that utilize deep data analysis to identify potential risks and prevent fraud, thereby ensuring user fund security and setting a benchmark for risk management in the industry [2][4]. Group 3: Product Innovation and User Experience - The company actively promotes the intelligent upgrade of financial products, exemplified by its "Huabei APP," which offers convenient and efficient credit solutions to millions of users, achieving a user satisfaction rate of 98.7% [3]. - Shuhe Technology leverages its data processing and intelligent analysis capabilities to provide personalized credit products and efficient approval processes, enhancing user repayment experiences and optimizing fund utilization [3]. Group 4: Fraud Prevention and Security - In response to the diversification of financial scenarios, Shuhe Technology has optimized its risk control systems and anti-fraud technologies to effectively mitigate financial risks, utilizing big data modeling and real-time alert mechanisms to identify abnormal transaction behaviors [4]. Group 5: Technical Strength and Efficiency - The company's technical capabilities are reflected in its system architecture and service efficiency, with a system response time of less than 100 milliseconds, indicating high efficiency in technology development and system optimization [5]. - Shuhe Technology's self-service system coverage rate of 98.7% enhances service automation, reduces customer response times, and lowers operational costs, contributing to its competitive edge in the market [5]. Group 6: Future Outlook - Looking ahead, Shuhe Technology aims to continue leveraging technological innovation to drive intelligent risk control, data-driven product upgrades, and the construction of security systems, aspiring to create greater value for users, partners, and the industry ecosystem in the next decade [6].

Core Viewpoint - The rapid development of financial technology has integrated financial services into daily life, but it has also led to an increase in black and gray market activities, posing serious threats to consumer safety and economic order [1] Group 1: Financial Consumer Education - Financial consumer education is the first line of defense against risks, and the company has established a multi-channel financial knowledge dissemination system to enhance public financial literacy and fraud prevention skills [2][3] - The company’s app, "还小呗," features a "Financial Science Classroom" and "Financial Safety Knowledge Page," utilizing engaging formats like graphics, comics, and short videos to simplify complex financial concepts and fraud prevention knowledge [2] - The app's educational content has achieved over 100,000 clicks, effectively providing high-frequency and precise user education [2] Group 2: Long-term Mechanism for Education - The company is committed to building a long-term mechanism for financial consumer education through regular content updates, themed activities, and collaboration with industry organizations [3] - Differentiated educational programs are designed for various user groups, such as rational borrowing guides for youth and anti-elderly fraud topics for older adults, ensuring targeted and precise financial education [3] Group 3: Technology Empowerment in Fraud Prevention - The company has developed an intelligent risk control system and collaborative mechanisms to efficiently identify, warn, and block fraudulent activities [4] - The intelligent risk control system has triggered 140,000 mandatory SMS alerts and intercepted high-risk transactions, while 250,000 proactive calls were made to suspected victims, successfully preventing potential losses of up to 130 million yuan [4] Group 4: Collaboration with Law Enforcement - The company actively collaborates with law enforcement to transition from passive defense to proactive strikes against black and gray market activities, assisting in 70 investigations and dismantling 9 criminal gangs [5] - The company has also initiated the creation of a legal research report on black and gray market activities, which will serve as a reference for compliance, consumer protection, and law enforcement [5][6] Group 5: Comprehensive Strategy for Consumer Protection - The company employs a three-pronged strategy of "education dissemination + technological prevention + ecological governance" to enhance user risk awareness and effectively disrupt fraud chains [6] - The company aims to continue investing in consumer protection resources and deepen technological applications and industry collaboration to safeguard consumer assets and promote stable financial market development [6]

Group 1 - The financial technology industry is undergoing profound changes, shifting from rapid growth to meticulous cultivation, with talent and responsibility becoming core elements for sustainable development [1] - Shuhua Technology, established in 2015, has developed a unique path over ten years, focusing on compliance, talent cultivation, and social responsibility to build an ecological strength that benefits both the company and society [1][5] Group 2 - Shuhua Technology has placed talent strategy at the core of its development, launching a deep optimization of talent structure in 2022, with over 90% of employees holding a bachelor's degree or higher [3][4] - The company has implemented a comprehensive training system covering the entire employee lifecycle, including onboarding programs and cross-departmental knowledge training, ensuring 100% employee participation in professional training [4] Group 3 - Compliance and technology for good are fundamental to Shuhua Technology's value ecosystem, with the company actively embracing regulation and completing core compliance asset layouts [5][6] - Shuhua Technology has initiated 30 public welfare activities, contributing to over a thousand individuals, demonstrating its commitment to social responsibility and long-term value creation [6][7]

Core Viewpoint - The article discusses how Shuhe Technology has navigated the challenges of the financial technology industry over the past decade by embracing compliance and innovation, likening its journey to the philosophical "Ship of Theseus" paradox, which questions the essence of identity amidst change [1] Compliance and Consumer Protection - Shuhe Technology has actively responded to regulatory demands, embedding compliance into its operational framework as a core element for sustainable development and competitive advantage [2] - The company achieved significant milestones in compliance by obtaining a "micro-loan license" in 2017 and a "financing guarantee license" in 2019, enhancing its legal and operational capabilities [2] - Shuhe Technology has implemented internal compliance processes to protect consumer rights, utilizing digital technology to identify risks such as financial fraud and establishing a comprehensive consumer protection mechanism [2][3] Innovation and ESG Practices - Compliance is viewed as a foundation for innovation at Shuhe Technology, which collaborates with regulatory bodies to enhance consumer protection through initiatives like the "Shu Shield Plan" [3] - The company integrates Environmental, Social, and Governance (ESG) principles into its operations, leveraging advanced technologies to improve efficiency and drive sustainable practices [4] - Shuhe Technology has successfully deployed proprietary models to enhance decision-making speed and accuracy, thereby improving operational efficiency and reducing energy costs [4] Social Responsibility Initiatives - Over the past decade, Shuhe Technology has committed to social responsibility, providing financial services to 27 million users through its "Huanbei APP" and engaging in various philanthropic activities [5] - The company has launched initiatives such as the "Huanbei X Beautiful Echo Rural Study Room" project, which donates educational resources to rural areas, earning recognition for its social impact [5] - Shuhe Technology has conducted ten charitable donation events, benefiting over 1,000 individuals, and aims to continue its commitment to social responsibility in the future [6]

Core Insights - The first "Research Report on the Governance of Financial Black and Gray Industries" in China reveals that the scale of financial black and gray industries has surged over tenfold since 2021, resulting in property losses reaching the hundred billion level [1][2] - The report highlights that consumer debt issues have created fertile ground for various illegal activities, including "debt evasion" and "illegal agency rights protection" [1] - The need for a collaborative effort among financial institutions to build a protective wall against financial black and gray industries is emphasized [1][2] Group 1: Financial Black and Gray Industry Growth - Since 2021, the financial black and gray industry has grown by over 10 times, with the number of internet black and gray industry practitioners reaching 5.871 million in 2023, a 141% increase from 2022 [2][3] - The report indicates that various illegal tactics are being employed to evade debts, including the use of false complaints and manipulation of financial institutions' normal collection processes [1][2] Group 2: Regulatory and Institutional Responses - Regulatory measures such as the "Anti-Telecom Network Fraud Law" and improved customer due diligence regulations have been implemented to enhance financial security [2] - Companies like Shuhe Technology are actively participating in the fight against financial black and gray industries, having reported over 70 cases and successfully dismantled 9 criminal gangs [3][4] Group 3: Technological Innovations in Governance - Shuhe Technology is exploring unconventional methods for combating financial black and gray industries, including intelligent voice recognition and automated document review [3] - The company has established a comprehensive technological governance framework that integrates model application, strategy output, process operation, and system support [3] Group 4: Financial Education and Public Awareness - Financial institutions, regulatory bodies, and consumers are encouraged to collaborate in enhancing financial literacy and awareness of risks [4][5] - Shuhe Technology has launched initiatives to promote financial safety education, reaching 1,500 offline locations and conducting 500 joint anti-fraud campaigns with local authorities [5]