Core Insights - Yixianghua actively responds to national policies supporting consumer finance, leveraging technology to empower inclusive finance and effectively connecting small and micro enterprises with financial institutions [1][3] - The platform significantly lowers financing thresholds and enhances service efficiency, thereby invigorating the consumer market and supporting high-quality development of the real economy [1][3] Group 1: Financial Technology and Services - Yixianghua integrates intelligent risk control technology with scenario-based services to bridge the resource gap between financial institutions and small micro enterprises [3] - The platform has developed a digital capability that addresses the "last mile" of small micro financing, ensuring precise access to financial resources for the real economy [3] - By providing stable funding support, Yixianghua alleviates short-term cash flow pressures for small merchants, allowing them to focus on improving product and service quality [3] Group 2: Compliance and Risk Management - Yixianghua prioritizes compliance and operates under strict adherence to laws such as the Cybersecurity Law, Data Security Law, and Personal Information Protection Law [3][4] - The platform has established a comprehensive personal information protection system and continuously upgrades its intelligent risk control and anti-fraud systems [3] - The proprietary "Hawkeye Anti-Fraud Management System" has effectively prevented risks, with over 600 million entries in its blacklist and more than 500,000 fraudulent applications intercepted [3] Group 3: Consumer Protection and Future Outlook - Yixianghua has set up a professional data compliance and security team, creating a three-tiered risk defense system for network information security [4] - The company released the "2024 Consumer Rights Protection Report," establishing six evaluation dimensions for consumer rights protection [4] - Moving forward, Yixianghua aims to enhance its financial products and scenario-based services, further empowering small micro enterprises and stimulating greater potential in the consumer market [4]

宜享花依托人工智能与大数据等前沿技术，持续完善风控与反欺诈模型，精心打造了一站式数智化反欺 诈系统——"Hawkeye反欺诈管理系统"，已成功构建一个包含超过600万条记录的自有黑名单库，累计 精准拦截疑似欺诈借款人超50万，成功识别并拦截黑产恶意攻击者达41993人，人工调查处置潜在高风 险客户申请4125次，成功锁定代理机构43家，累计搜索到黑产线索1872个。 宜享花协同监管 合力打击贷款中介违法经营乱象 宜享花积极与监管部门、行业协会等展开合作，协同打击违法犯罪活动，为金融市场的稳定发展贡献力 量。在过往实践中，宜享花多次成功协助警方以及监管部门打击不法贷款中介。例如，2025年，宜享花 发现市场上存在多家机构冒用其名义进行非法营销活动，严重扰乱金融秩序。对此，针对部分平台，宜 享花迅速向长沙市市场监督管理局提交举报函。经详细核查，长沙市市监局对4家公司责令改正，另外 还有3家公司列入经营异常名录。此次行动不仅有效遏制了不法贷款中介的违法经营行为，也彰显了宜 享花在打击违法犯罪方面的坚定决心与强大实力。 近年来宜享花严厉打击黑灰产等不法行为，在日常业务运营中不断收集线索，进一步健全风险防控机 制，着力 ...