《奇富科技Qifu Technology Inc.（QFIN）2023年环境、社会及管治（ESG）报告「NASDAQ」（英文版）（51页）.pdf》由会员分享，可在线阅读，更多相关《奇富科技Qifu Technology Inc.（QFIN）2023年环境、社会及管治（ESG）报告「NASDAQ」（英文版）（51页）.pdf（51页珍藏版）》请在三个皮匠报告上搜索。

1、2023Environmental,Social,and Governace Report/0201About The ReportInformation SourcesThe qualitative and quantitative information used in this report comes from publicly available information,internal documents,and relevant statistical data of Qifu Technology Company.ReferencingFor ease of expressio

2、n and readability,Qifu Technology,the company,or we are used in this report.Publication FormatThe web version of this report can be viewed and downloaded on the Qifu Technology website(http:/www.qi-fu.tech/).FeedbackThis edition of the report aims to provide stakeholders and the public with a compre

3、hensive understanding of the companys corporate social responsibility and corporate values.We welcome your comments and opinions on the report and its contents,as this helps us establish a consensus on corporate social responsibility.Please email your feedback to .Reporting PeriodThe scope of the En

4、vironmental,Social,and Governance(ESG)report covers the period from January 1,2023,to December 31,2023.Report ObjectivesThe primary objective of this edition of the Environmental,Social,and Governance(ESG)report is to identify significant sustainable development issues relevant to the company and pr

5、ovide information on how the company mitigates such risks and explores these issues.It aims to better inform stakeholders about the companys social values,strategies,and practices in sustainable development.Report ScopeThis ESG report considers the importance of sustainable development in the compan

6、ys operations.As a financial technology company based in Shanghai,China,with its main revenue coming from the Chinese market,this ESG report primarily reflects the performance of the Shanghai headquarters and branch offices in ESG from January 1,2023,to December 31,2023.Reporting GuidelinesThis edit

7、ion of the ESG report is prepared in accordance with the ESG Reporting Guide(ESG Guide)in Appendix 27 of the Hong Kong Stock Exchange Listing Rules.We use a consistent approach to ensure fair comparison with past data and provide comprehensive and objective disclosure of ESG performance.Indicator Se

8、lectionThis report primarily considers the importance,measurability,balance,and consistency of specific indicators related to key performance disclosures.We will continue to adjust and optimize disclosure indicators in future reports.Importance:Utilizing stakeholder power-stakeholder models,engageme

9、nt mechanisms,ESG-related surveys distributed to stakeholders,etc.,to identify corporate social responsibility issues that are important or relevant to the company and stakeholders;Measurability:Key performance indicators disclosed can be measured;Balance:Objectively presenting the companys work in

10、environmental,social,and governance aspects in the report;Consistency:This years ESG report adopts a consistent data disclosure method with previous years,compares data from different years,and lists changes in statistical methods and key performance indicators.Environmental,Social,and Governance Re

11、port 2023About This Report0 50711121517262719Company OverviewAnalysis of MaterialESG Issues01020304/0403Company OverviewEnvironmental,Social,and Governance Report 2023QiFu Technology IntroductionThe honors received by Qifu Technology in 2023Identification,Evaluation,and Prioritization of Material Is

12、suesStakeholder CommunicationHighlights of 2023 DataSteady Support for Micro and Small Enterprises,for Fully Backing Growth Finance for CharityCorporate GovernanceCompliance and Anti-corruption ManagementSpecial ReportCorporate Responsibility Governance3137404147656774798186ResponsibilityOperationWi

13、n-Win Cooperation050607Innovation and ResearchData GovernanceIntelligent Risk ControlIntellectual Property ProtectionDiverse Compensation and Benefits SystemHealth and Safety FocusComprehensive Talent Development PathProtection of Employee RightsCustomers FirstSupplier ManagementIndustry Win-winPeop

14、le-oriented Approach89909108Resource UsageEmission ManagementGreen BusinessProud of GreenCompany Overview01Qifu Technology is an outstanding artificial intelligence-driven credit technology service platform in China,using advanced technology to create wealth for society.Qifu Technology adheres to th

15、e initial heart of originating from security,persisting in technology,empowering financial institutions to improve quality and efficiency through intelligent services,AI research and applications,and security/0605technology.This facilitates the high-quality development of inclusive finance,enabling

16、more people to enjoy secure and convenient financial technology services,and contributing to achieving common prosperity.Company OverviewEnvironmental,Social,and Governance Report 2023The honors received by Qifu Technology in 2023Winner of the Annual Generative AI Innovation Enterprise award by Huax

17、ia Times./0807Awarded the Consumer Rights Protection Award for outstanding cases of inclusive finance by Peoples Daily Online in 2023.Recognized as an Excellent Blue Team in the Panshi Action industrial and information security practical combat event in Shanghai in 2023.Accredited as the leading uni

18、t for the certification of Financial Big Model by the China Artificial Intelligence Industry Development Alliance.Named one of the Top Ten Financial Big Model Companies of the Year in 2023 by Beijing Business Daily.Awarded a Donation Certificate by the Shanghai Disabled Welfare Foundation.Winner of

19、the 2023 ESG Excellent Case Award by Huaxia Times.Ranked on the Double 50 list by KPMG Fintech for five consecutive years.Recognized as the Qifu Financial Big Model in the annual forefront artificial intelligence applica-tion cases by Southern Metropolis Daily.Awarded the Best Credit Project in Chin

20、a in the 2023 China Awards Program by The Asian Banker.Named one of the top 100 enterprises in the Shanghai software and information technology service industry in 2023.Recognized for ESG Innovation Practices in Listed Companies in 2023 by Securities Daily.Awarded the Best ESG Innovation Award by Sm

21、art Finance in the listed company selection.Winner of the 2023 Anti-Fraud Ecological Co-construction Award by the Internet and Financial Anti-Fraud Alliance.Selected as the Best Partner in Supply Chain Financial Technology of 2023 by JD Technology.Awarded the Most Socially Responsible Listed Company

22、 Award of 2023 by Guangzhou Daily Media Group.Received the Annual Cutting-edge Technology Innovation Award by Caijing in 2023.Awarded the 2023 ESG Pioneer 60 Annual Social Responsibility Excellence Award by Jiemian News.Selected as a co-drafting unit for the Platform Economy Data Governance Evaluati

23、on Guide by the China Technology Market Association.Winner of the 2023 Outstanding Digital Technology Enterprise award by Gelonghui.Winner of the Crystal Ball Award for the Most Socially Responsible(ESG)Listed Company in 2023 by Securities Market Weekly.Recognized as the 2023 ESG Development Influen

24、ce Enterprise by Hexun China Financial and Economic Influence List.Environmental,Social,and Governance Report 2023Company OverviewAnalysis of Material ESG IssuesIn accordance with the HKEXs ESG Reporting Guidelines,the Company has identified material issues that have a significant impact on itself a

25、nd its stakeholders across a wide range of material issues,in conjunc-tion with internal and external communication and discussion.02/1009Analysis of Material ESG IssuesEnvironmental,Social,and Governance Report 2023We welcome stakeholders to provide feedback and engage in discussions with our compa

26、ny on sustainable develop-ment matters.Over the long term,we maintain continuous and close communication with relevant stakeholders through various channels,including but not limited to regular events,media platforms,and various reports.This is aimed at better understanding their feedback on the cur

27、rent social practices of our company and identifying areas for improvement.Additionally,we regularly review sustainable development issues related to the environment,society,and gover-nance to ensure compliance with the expectations of relevant stakeholders,market trends,regulatory requirements,ESG

28、guidelines,and matters related to the financial technology sector.The following outlines the concerns of relevant stakeholders and the communication methods:6Compliance7MSEs8Anti-fraud protection 9Green business Emission managementEmployee Benefits141516Highly Important Substantive Issues1Innovation

29、 and R&DIntellectual Property ProtectionEmployee Health&SafetyData GovernanceIntelligent Risk ControlSupplier managementCommunity BenefitsWin-Win IndustryStaff Training&Development Client First2345Moderately Important Substantive Issues1018 Extreme Weather ResponseResource UtilizationMildly Importan

30、t Substantive Issues17111213Importance to stakeholdersHighHigh11718267893451171826789345161012131415Importance to Qifu TechShareholderStaffStakeholdersClientSupplierCommunityParticipate in public welfare activities Organize poverty alleviation charity assistance Supporting policies related to carbon

31、 neutralizationStrict management of emissions Implement ecological protection measures Promote green productsEnvironmental OrganizationCustomer First Intelligent Risk ControlCommunity Public Welfare Poverty Alleviation Charity Carbon Neutralization ProgramResource Use Emission Management Extreme Wea

32、ther Response Green FinanceFollowing the guidance provided by the Hong Kong Stock Exchange(HKEX)ESG reporting framework and through internal and external communication and discussions,the company has identified substantive issues with significant impacts on Qifu Technology and its stakeholders withi

33、n a wide range of sustainable development topics.These issues contribute to the development of ESG governance and risk management measures at the company level,ensuring the effective handling of significant concerns raised by stakeholders.Based on the principle of importance,the company has ranked t

34、he identified significant substantive issues using an importance matrix,which has been reviewed and approved by the management.The results are as follows:Government and Regulatory AgenciesBusiness PartnerPolicy formulation and implementation Information disclosure11/1211Analysis of Material ESG Issu

35、esEnvironmental,Social,and Governance Report 2023Identification,Evaluation and Prioritization of Material IssuesLowStakeholder CommunicationResponse of EnterpriseSubstantive Issues of ConcernIncrease R&D investment in product innovationImprove customer service qualityEstablish credit risk control sy

36、stemInnovation and R&DData Governance Client serviceCustomer complaint handling mechanismCompliance management system Establish anti-fraud reporting mechanism and policyEstablish intellectual property protection policies Strengthen training on intellectual property protectionEstablish industry stand

37、ards and promote industry progress Supplier evaluation and communicationGreen supplier managementConducting sharing and exchangeAdvocacy and Education Front-end interceptionConduct targeted helpImplement scientific employment standards Strengthen safety knowledge education Improve relevant training

38、mechanisms Improve the salary system Establish and improve internal systemImplement ESG governanceAnti-fraud protectionInclusive Micro and Small EnterprisesEmployee Rights Employee Health and Safety Staff Training and Development Employee Compensation and Benefits Compliance and Anti-Corruption Mana

39、gement Win-win for bothWin-win for bothShare and exchangeLabour StandardsCorporate Governance Compliance Operation Innovation and R&DSupplier Management Win-win for bothQiFu Technology is actively exploring new avenues in financial technology to better support the devel-opment of the real economy.We

40、 have deeply ingrained the philosophy of digital technology,striving to permeate the endless power of technology into every corner of the real economy,injecting more vitality and color into the world./1413Special ReportsSpecial Reports03Environmental,Social,and Governance Report 20232023Inclusive Mi

41、cro and Small Enterprises(MSEs):Rural RevitalizationGreen Finance162.1billion34.122.14billion3.752million%16.05billionthousandthousandbillion25.96216Assisting financial institutions in lending to MSEsProportion of MSEs loan size.Assisting financial institutions in lendingto agriculture-related secto

42、rs.Cumulative number of farmers servedCumulative assistance to financial institutions for loans to environmental protection enterprisesCumulatively assisted financial institutionsto issue new energy vehicle owner loansCumulative number of environmental protection enterprises servedCumulative number

43、of new energy vehicleowners served.175Highlights of 2023 Data/1615Environmental,Social,and Governance Report 2023Special ReportsCase:Business Gold Wholesale and Retail Special Support PlanCase:Technological Finance Ignites the 6.18 Stocking Crazemillionhouseholds5aIn December 2023,in response to the

44、 increasing need for capital turnover in the national wholesale and retail industry,Qifu Technology launched the Business Gold Wholesale and Retail Special Support Plan.This plan focused on five provinces with particularly high demand for funds:Guangdong,Zhejiang,Jiangsu,Fujian,and Anhui.By combinin

45、g the use of interest-free coupons and interest-free months,the plan provided over 50 million RMB in total funding support to 300,000 micro-businesses in industries such as household appliances,textiles,clothing,and lighting.Earlier in November,Qifu Technology had already observed the sharp rise in

46、the YiwuChina Small Commodity Index and anticipated the upcom-ing peak period of funding for wholesale and retail enterprises.Based on this precise prediction,the company swiftly implemented the Business Gold plan,ensuring powerful support for micro-merchants in urgent need of funds in the shortest

47、possible time,achieving efficient capital docking,and rapid deployment.micro-businessesprovide financial support/1817Amidst the current wave of flexible employment,various emerging professions and highly segmented entrepreneurial paths have emerged.Regardless of the emerging formats,the constant fac

48、tor remains the frequent struggle faced by micro-businesses and entrepreneurs in terms of financial needs.Therefore,identifying micro-users and providing them with corresponding assistance and services has become one of the significant responsibilities of financial technology companies.Qifu Technolo

49、gy has accumulated a large amount of data in various aspects such as micro-enterprise data behavior and industry financial graphs.Based on this,the Qifu Mega Model,born out of this,can understand the behavioral characteristics of micro-enterprises in different industries and establish an overall ind

50、ustry concept based on this understanding.After in-depth understanding of the fluctuations in industry capital flow,marketing,or entry and exit nodes,Qifu Technology effectively reduces the financing threshold for micro-enter-prises.At the same time,based on the seven years of past industry experien

51、ce,Qifu has built a scientifically accurate credit assessment model on the basis of massive data and hundreds of models,significantly reducing the overall financing costs of micro-enterprises.Steady Support for Micro and Small Enter-prises,for Fully Backing GrowthDuring the 6.18 Shopping Festival,Qi

52、fu Technology launched the Preparedness Ensures Success,Taking the Lead stocking festival activity through its product matrix,including 360 Borrowing,360 Micro Loans,and 360 Capital Turnover Flexibility.By offering multiple financial incentives such as interest-free turnover funds and interest coupo

53、n discounts,it provided financial support to 5 million micro-enterpris-es,helping them prepare for the 6.18 Shopping Festival.Environmental,Social,and Governance Report 2023Special ReportsQifu Technology has always adhered to the core concept of finance for good and is committed to using green finan

54、-cial tools to contribute to green public welfare,making the world warmer and more colorful.Case:Rural Assistance PlanFrom poverty alleviation to rural revitalization,Qifu Technology has been actively practicing corporate social responsibility.In 2023,Qifu Technology collaborated with Duocun Notes t

55、o create the Rural Assistance Plan,aimed at supporting local characteristic industries through the Internet+assistance to farmers new model.In the series of rural assistance plan live broadcasts,Qifu Technology relied on its brand and traffic resources to promote local farmers,farms,facto-ries,and h

56、igh-quality public welfare agricultural products in areas such as Jixi and Yixian counties in Anhui and Lancang county in Yunnan.This initiative aimed to help good products leave rural areas and enter larger markets,allowing more people to see the value of agriculture,promoting rural revitalization,

57、and enhancing soft power./2019Finance for CharityTo support the cause of helping the disabled,Qifu Technology launched the Micro Light program in August 2023.This initiative was in collaboration with organizations such as the Jinchang Public Welfare Service Center and the Shanghai Disabled Employmen

58、t Service Center.Through comprehensive online and offline activities,including public welfare live broadcasts,donations,and employee experiences,the plan fully focused on the practical needs of people with disabilities.It aimed to promote social understanding of disability issues through practical a

59、ctions,support the dignity,rights,and happiness of people with disabilities,and was recognized by the Shanghai Disabled Welfare Foundation.Through these activities,the Micro Light program successfully guided over a million people to pay attention to assistance etiquette and employ-ment entrepreneurs

60、hip for the disabled.Various types of live broadcast public welfare content were viewed 12 million times,effectively increasing public attention and support for people with disabilities.Additionally,during the plan period,Qifu Technology donated 55 electronic devices and mobile phones to the Jinchan

61、g Public Welfare Service Center for use in vocational training and innovation projects for electronic device repair for people with disabilities.This initiative aimed to help people with disabilities master electronic device repair skills and promote their economic independence.Case:Micro Light Hand

62、icapped Assistance ProgramEnvironmental,Social,and Governance Report 2023Special ReportsIn 2023,Qifu Technology collaborated with Paving Stone Youth Public Welfare Organization to conduct dozens of sessions of the Sunshine Stars Assistance to Vulnerable Children program.Qifu Technology employees act

63、ed as technology instructors and provided digital literacy and programming knowledge enlightenment for migrant children in Shanghai,promoting the popu-larization of education in the field of technology,bridging the digital divide,and truly transform-ing acts of love into long-term digital inclusive

64、trials.In the future,Qifu Technology will continue to use technology to support strugglers and will continue to deepen its involvement in fields such as assisting agriculture,children,the disabled,and anti-fraud propaganda.It will practice social responsibility through practical actions and convey t

65、he power of love and hope.Case:Sunshine Stars Assistance to Vulnerable Children Program/2221At the beginning of 2023,the Finance Bureau of Fuqing City,the Civil Affairs Bureau of Fuqing City,the Social Welfare Center of Fuqing City,and Qifu Technology cooperated to promote a special assistance plan

66、the Grateful New Era,Empathy for Fuqing Love Project.Through targeted assistance and the popularization of care,combined with long-term care and companionship,the project helped disabled children from the Fuqing City Welfare Center to return to society and integrate into society.During the project,m

67、ore than 60 volunteers from Qifu Technology conduct-ed dozens of sessions of the Childrens Assistance Project,providing continuous care for disabled children from the Fuqing City Welfare Center,guiding them to integrate into society,feel grateful to society,and give back to society.This included fun

68、ding cochlear implant surgery for hear-ing-impaired children,helping them regain their hearing.Case:Grateful to New Era,Empathy for Fuqing Love ProjectEnvironmental,Social,and Governance Report 2023Special Reports/2423Qifu Technology incorporates the governance requirements of sustainable developmen

69、t within the company,considering sustainable development strategy as one of the core competitive advantages.Corporate Responsibility Governance04Corporate Responsibility GovernanceEnvironmental,Social,and Governance Report 2023Board of Directors MembersResponsible for assessing and identifying ESG-r

70、elated risksReviewing and examining ESG policies and related reportsEnhance ESG risk management and internal control measuresProvide guidance to the ESG programs executive teamUrge all departments to implement ESG policiesTake the lead in designing ESG action plans and guide and implement ESG relate

71、d mattersBoard of DirectorsManagement TeamESG Committee/2625Corporate Responsibility GovernanceQifu Technology incorporates the governance requirements of sustainable development within the company,consid-ering sustainable development strategy as one of the core competitive advantages.Qifu Technolog

72、y adheres to the requirements of laws,regulations,and normative documents such as the Company Ordinance and the Listing Rules of The Stock Exchange of Hong Kong,and has established a modern organizational structure.Currently,the board of directors consists of nine directors,including four independen

73、t directors.The board of directors has established audit,remuneration,and nomination and corporate governance committees,along with corresponding implementation rules,to meet the development needs of the company.Immediately upon the completion of our secondary listing on the Hong Kong Stock Exchange

74、 on November 29,2022,all the then-outstanding class B ordinary shares with super-voting rights converted into class A ordinary shares on a one-for-one basis.At present,only class A ordinary shares are issued and outstanding and each class A ordinary share is entitled to one vote.Qifu Technology inte

75、grates the governance requirements of sustainable development within the company,consider-ing sustainable development strategy as one of the core competitive advantages.Our board of directors is responsi-ble for formulating sustainable development strategies and supervising their implementation,comm

76、itted to building a green office environment,improving resource utilization efficiency,and fulfilling Qifu Technologys responsibilities to shareholders and society.The company has established an ESG Committee to provide guidance for the sustainable development management of the company.The ESG Commi

77、ttee includes various key functional departments,leading the design of ESG action plans,regularly discussing issues encountered during the implementation process,and reporting to the management.Major matters are reported to the board of directors as appropriate.Corporate Responsibility GovernanceEnv

78、ironmental,Social,and Governance Report 2023NameZhou HongyiWu HaishengXu ZuoliChen XiaohuanZhao DanJiao JiaoXiao GangZhao FanYan YanAge534155424443486966GenderMaleMaleMaleMaleMaleFemaleMaleMaleMalePositionChairman of the BoardChief Executive Officer and DirectorChief Financial Officer&DirectorIndepe

79、ndent DirectorBoard of DirectorsBoard of DirectorsIndependent DirectorIndependent DirectorIndependent DirectorCorporate Governance/2827Advocacy and TrainingCorporate Responsibility GovernanceEnvironmental,Social,and Governance Report 2023Qifu Technology strictly complies with the requirements of com

80、pliance and anti-corruption,adhering to laws and regulations such as the Criminal Law of the Peoples Republic of China,the Anti-Unfair Competition Law of the Peoples Republic of China,and the Anti-Money Laundering Law of the Peoples Republic of China.We consider anti-corruption as an important part

81、of the companys culture and values.The Compliance Department conducts routine compliance reviews and risk monitoring,compiles compliance risk lists,organizes compliance advocacy and training,reviews the compliance of internal rules and regulations,products and business processes,and project agreemen

82、ts,actively tracks and implements external regulatory requirements,and escorts the companys legal and compliant operation and steady development.Anti-corruption management has always been a topic of continuous concern for stakeholders including customers and suppliers.Qifu Technology implements a ze

83、ro tolerance standard for corrupt practices and actively advocates for honest and trustworthy business conduct,resolutely resisting various forms of commercial bribery and corruption.Externally,to build a transparent anti-corruption system,we sign special agreements with partners to create a fair an

84、d just clean environment.Internally,to avoid the occurrence of corrupt incidents and standardize the management of conflicts of interest,the company revised the Anti-Bribery Management Regulations,Gift Acceptance and Handling Regulations,and Whistleblower Protection and Reward Regulations in 2023,cl

85、arifying requirements for the preven-tion of bribery,anti-bribery investigations,and handling of bribery behavior,with a total of 27 reported gift declara-tions.At the same time,we have established reporting channels.If employees find events that violate the rules and regulations,they can report to

86、the companys ethics committee via email,and the ethics committee will conduct independent investigations based on the reported information.In 2023,we investigated two cases(involving four individuals)of suspected non-public bribery corruption,which have been transferred to judicial authorities.Immed

87、iate rectification of related systems and processes was carried out,a total of three problematic suppliers were removed,and the qualification review of eligible suppliers,bid winner score review,and on-site inspections of bid-winning suppliers were strengthened.Continuous practice of corporate integ

88、ri-ty culture.Moving forward in partnershipIntegrity and win-win situationConduct comprehensive promotion of integrity culture to all employees through online anti-corruption training,and full-staff integrity comic propaganda,etc.,to promote the companys anti-corruption culture and cultivate a fair

89、and honest corporate culture.In 2023,a total of 12 integrity comic propaganda emails were sent,covering all employees.Conduct annual certification training and online exams for the Integrity and Honesty values,covering all employees.Conduct training on the Anti-Bribery System for new employees in 11

90、 sessions,covering all new employees.In 2023,a Ethics Committee subscription account was newly opened on the companys internal communication software,and propaganda materials will be simultaneously released on multiple channels thereafter.In 2023,at the Qifu Technology BPO National Supplier Conferen

91、ce,themed Joining Hands for Win-win Cooperation with Integrity,we promoted the companys core values of integrity,responsibility,and cooperation,and conducted lectures on corruption,conflicts of interest,and contractual consequences,covering more than 30 outstanding partners and suppliers from across

92、 the country.Compliance and Anti-corruption ManagementQifu Technology has always adhered to the principles of compliant operations and considers them as the corner-stone of sustainable development.The company strictly adheres to relevant laws and regulations concerning compliance operations,environm

93、ental protection,occupational health,and other related regulations in the coun-tries and regions where it operates.We adhere to the principles of honest dedication,law-abiding,fair competition,and integrity in business ethics.Compliance and Anti-corruption Manage-mentCore values/3029As a credit tech

94、nology platform,we have always focused on how to empower credit risk manage-ment through technology.Responsibility Operation05Environmental,Social,and Governance Report 2023Responsibility OperationAs a technology company,our core advantage lies in using innovative technology to create innovative pro

95、ducts,services,and business models to solve social problems,create public welfare,and achieve a win-win situation for both business value and social value.In the field of microfinance services0.993.1Micro-identification model overall AUCAdditional identification of micro-identity users(part-time wor

96、kers,household micro-users)Number of industries covered by financial knowledge graphIndustry labels covering micro and part-time micro usersIncrease in identified micro-user scaleCoverage of micro-user industry informationAbove4.5million25%900+24.5million/3231Responsibility OperationEnvironmental,So

97、cial,and Governance Report 2023Innovation and ResearchAs a forward-looking credit technology platform,Qifu Technology has always attached great importance to indepen-dent research and innovation,adhering to the corporate value of continuous innovation.We are committed to providing safe,fast,and incl

98、usive financial services to individuals and families through technological innovation,creating a better life.As our CEO,Mr.Wu Haisheng,said:Qifu Technology built a framework for micro-user identification and industry reasoning using deep learning models and large language models.By finely adjusting

99、the model through user authorization and proprietary business data,the models understanding ability reached a high level in user identity and industry recognition scenarios.The overall AUC of the micro-identification model exceeds 0.9,identifying an additional 4.5 million micro-identity users such a

100、s part-time workers and household micro-users,resulting in a 25%increase in the scale of identified micro-users.Mean-while,to improve business applicability,Qifu Technology redefined and subdivided industry features based on national industry classification,using the model to re-label client groups,

101、achieving 93.1%coverage of industry infor-mation for micro-users and constructing a financial knowledge graph covering more than 900 industries,providing industry labels suitable for credit scenarios for over 24.5 million micro and part-time micro-users in China,facilitating better service for micro

102、-users fund turnover based on industry characteristics.Case:Establishment of Financial Big ModelAs a strategic project of the company,Qifu Technology initiated the construction of a big model team,computing power preparation,and technical research and development as early as 2022.In 2023,we continue

103、d to strengthen investment and innovation in the field of financial technology,strategically established the big model department,successfully applied advanced technology to multiple business scenarios,achieved good results,and became the leading unit in the domestic financial industry to formulate

104、big model standards.Responsibility Operation/343321.4Customer outreach scale increased byConversion rate increaseBig model application in smart mar-keting business processes%5%+Credit cost optimization98Semantic analysis and lead mining helped improve telemarketing lead recognition accuracy%9%Accumu

105、lated codeblocks generatedAccumulated linesof code generatedCode writing tasks replaced by AI20,000460,000%15%15Telemarketing system call duration increaseBig model automatedquality inspection coverage%100%15.1%70Detection rate improvementHigh-quality script generation rateEnvironmental,Social,and G

106、overnance Report 2023In the field of intelligent telemarketingQifu Technology used big model technology to reshape financial business dialogue scenarios,training existing telemarketing dialogue systems to help telemarketing robots accurately understand real user needs,thereby improv-ing response aut

107、henticity and service professionalism.With the assistance of big model training robots,Qifu Technol-ogys telemarketing system achieved a 15.1%increase in call duration,marking a significant improvement in user conversation experience.Furthermore,in the call quality inspection process,big model autom

108、ated quality inspection achieved 100%coverage,with a 15%increase in detection rate,significantly improving inspection efficiency.In addition,in the generation of voice robot scripts,the high-quality script generation rate reached 70%,further demon-strating the strong potential of big models in optim

109、izing telemarketing services.In intelligent marketing big models generate material elements,integrate with manually created materials,and form a large number of advertising materials.Subsequently,big models label the materials and give them multidimensional ratings through AI systems.After channel d

110、eployment,the materials with the best data effects are finally obtained.Currently,approxi-mately 70%of image materials are generated by big models,and after labeling and multidimensional rating by big models,advertising deployment is optimized.After applying big models to marketing materials,the cus

111、tomer outreach scale has increased by 21.4%.Meanwhile,in the telemarketing system,semantic analysis and lead mining helped improve the telemarketing lead recognition accuracy to over 98%,while increasing the conversion rate by over 5%.Optimization of credit cost reaches 9%.In terms of research and b

112、usiness analysis innovative applications such as Yuzhi AI Expert have been launched to provide professional support for financial product research and data analysis scenarios.This AI expert is the first attempt to apply big models to technology fields such as code development and data analysis,posse

113、ssing the professional capabilities of research engineers and data analysts.With the help of Yuzhi AI Expert,Qifu Technology has organized and output past achievements in financial technology business,forming a reusable knowledge base for financial technology research and develop-ment practices.Yuzh

114、i AI Expert has generated a cumulative total of 20,000 code blocks and 460,000 lines of code,replacing 15%of code writing work with AI.Additionally,Yuzhis virtual data analysis expert can address various finan-cial business data analysis needs,providing more understandable solutions for financial bu

115、siness data analysis.For Qifu Technology,the financial big model is not only a tool to help enterprises reduce costs and increase efficiency but also an important role that can create value for users.Additionally,the Yushu Big Data Platform not only serves the internal business needs of Qifu Technol

116、ogy but also provides powerful momentum for innovation and upgrade across the entire financial industry.Firstly,by aggregating data assets from various departments,the big data platform forms a panoramic view,which can help financial institu-tions fully understand their asset layout.Secondly,the big

117、 data platform provides comprehensive one-stop develop-ment and self-service analysis capabilities,enabling financial institutions to easily explore and deeply analyze data value through visualization,thereby enhancing front-end business capabilities.the latest architecture of the query engine reduc

118、es resource consump-tion and experience time by 52%;the upgrade mechanism of the uncon-scious computing engine is equiva-lent to replacing the engine for a flying aircraft;the latest design of the secondary query acceleration engine allows more than 80%of data analysis scenarios to return query resu

119、lts within 10 seconds.In terms of computingengine optimizationIn terms ofintelligent diagnosisIn terms of ensuringbusiness continuity/3635Perseverance in the face of adversity,lighting up the light of hope with faithMs.Qin is the owner of Xuanci Weaving Workshop,a fabric workshop in a small county i

120、n the mountainous area of Fujian Province.Due to a large customers debt,she was unable to pay her employees wages on time.As she was rejected for a loan from the bank due to her blank credit history and only offered small loans by internet lending platforms.Later,Ms.Qin found 360 Borrowing,a product

121、 of Qifu Technology,and after registration,based on the knowledge graph and self-developed large language model,the 360 Borrowing AI engine accurately identified Ms.Qins identity as a business operator and provided a credit line of 120,000 yuan,solving her urgent need for funds.With the accumulation

122、 of data and the improvement of profiles,Ms.Qins credit limit increased to 200,000 yuan,and she enjoyed preferential interest coupons and convenient loan services automatically provided by 360 Borrowing.This year,Ms.Qin has applied for loans seven times,each time meeting her needs for fund turnover

123、at critical moments.We hope that the brand of Qifu Technology can surpass mere technological services and become an intimate partner for users,injecting vitality and hope into them,and realizing the mission of financial technology.Responsibility OperationEnvironmental,Social,and Governance Report 20

124、23With the advancement of credit technology,the scenarios of big data analysis are increasing,posing higher require-ments for the security,accuracy,and real-time nature of data.At the same time,the surge in the number of users has brought multiple challenges to the business end in terms of delivery

125、efficiency,stability,and user experience.Qifu Technologys Yushu Big Data Platform has emerged this year,aligning core technologies such as DataBricks and Snowflake with international renowned companies,reaching the industry-leading level in terms of computing engine optimization,intelligent diagnosi

126、s,and business continuity assurance.Case:Application of Yushu Big Data Platform more than 85%of system abnormali-ties can be accurately diagnosed by AI and provide accurate suggestions,and user issues can be resolved immediately;for 30%of abnormal tasks,the system can be automati-cally optimized and

127、 fail self-healing,ensuring an SLA of 99%.the dual-active core scenarios and disaster recovery design for critical scenarios make the system more resilient.The complex link impact control mechanism enables a more accurate assessment and control of the downstream effects of upstream task changes./383

128、7Responsibility OperationEnvironmental,Social,and Governance Report 2023As a leading brand in Chinas credit technology services,Qifu Technology has always upheld a safety gene since its establishment and regarded data governance as a top priority for business development.By the end of the reporting

129、period,we have passed the Level 3 evaluation of the Information Security Level Protection 2.0,ISO27001 Information Security Management System Certification,ISO27701 Privacy Information Management System Certification,and DSG Data Security Governance Capability Evaluation.Data GovernanceQifu Technolo

130、gy has established a very strict data control system,adopt-ing a series of measures including data encryption to ensure data security.Layered protection strategies ensure that data is not only kept from being leaked but also effectively prevent external attack behaviors.The compa-ny has established

131、a special data security task force to coordinate the implementation of internal privacy data management and data security regulatory systems.Additionally,to implement security awareness at every grassroots level,Qifu Technology has simultaneously formulated data governance systems such as the Qifu T

132、echnology Data Security Management System,Qifu Technology Data Classification and Grading Management System,and Qifu Technology Basic Policy for Personal Information Protection and Data Governance to standardize the behavior guidelines of various positions within the company.Establishment of interna

133、l systemIn 2023,Qifu Technology combined its own financial business characteris-tics and innovatively realized a trustworthy data platform.This platform includes multiple security strategies such as digital watermarking,privacy data identification,dynamic desensitization,and hierarchical review,achi

134、eving multiple protections for user information.Additionally,we have established a secure sharing platform,compliance self-inspection platform,and security questionnaire system to perceive potential security and compliance risks in real-time.Leveraging a data leak prevention platform,we can promptly

135、 block illegal data flows.By establishing a secure operations center and utilizing monitoring alerts,emergency response,user behavior audits,and data operation audits,we can capture and follow up on risks that have occurred in a timely manner.Customer Privacy ProtectionIn 2023,Qifu Technology active

136、ly participated in the pilot work of electronic identification for anti-fraud in financial apps,actively cooperating with the Ministry of Industry and Information Technology and financial regulatory depart-ments,playing a demonstrative role and helping to comprehensively manage the entire chain of a

137、nti-fraud apps,with over 5,000 counterfeit 360 loan apps disposed of cumulatively,promoting the governance of anti-fraud apps.IIn terms of counterfeit websites and data leaks,we focused on expanding monitoring coverage and channels this year to cope with the evolution of the black industry.We increa

138、sed monitoring of counterfeit Weibo and short video accounts,while continuously obtaining circulated data,monitoring over 200 active black-gray channels,investigating over 2,300 data vendors throughout the year,with data leak prevention totaling 420 million yuan.Combatting Illegal Data ActivitiesAdd

139、itionally,in 2023,we monitored a total of 4.14 million major websites,web pages,and app platforms through-out the year;we banned a total of 7,453 counterfeit prod-ucts,including our 360 loan apps,Qifu Wallet websites,and apps;and reported 55,799 counterfeit posts and short videos impersonating our c

140、ustomer service on TikTok and Weibo.Data leak prevention and loss savings annually420 million RMB200Data vendors investigated annuallyActive black-gray channels discovered2,300+/4039Argus Intelligent Engine IVApplication,smart signingCredit Approval Automation RateAverage lending time to completionC

141、redit approval/Fund disbursementFraud loss rate100%97%44s39s/2BelowAnti-fraud relationship network nodesAnti-fraud relationship edgesOnline daily calculationPlotting first-level/second-levelconnections164msms110540/Risk Decision Rules DeploymentMachine Learning ModelsAutomated Decision AccuracyRisk

142、Assessment Features50,0001,000+120,00099%million timesbillion edges2.4 billion nodesResponsibility OperationEnvironmental,Social,and Governance Report 2023We follow the internal Qifu Technology Emergency Response Management Regulations to respond to emergency incidents.The management regulations cov

143、er mechanisms such as early prevention and warning,rapid response and protection during incidents,and post-incident inventory and analysis.In the event of a security incident,we first allocate it to the corresponding disposal team based on the type and severity of the security incident,report and no

144、tify as appropriate,initiate emergency plans,conduct post-incident inventory and analysis,and regularly maintain emergency drill plans.In 2023,the company did not experience any other network security incidents or accidents such as being hacked or encountering trojan viruses.Furthermore,we provide r

145、eal-time warnings to users at risk of fraud,reducing user borrowing caused by fraud.Services such as risk reminders,pop-ups after borrowing,and borrowing interception have been added to the app,providing loan reminder and interception services to users approximately 21.8 million times throughout the

146、 year,protecting consumer funds of around 315 million yuan.Emergency ResponseCase:Honored as an Outstanding Blue Team Unit in the Panshi Action Network Security Attack and Defense ExerciseIn the Panshi Action network security practical attack and defense event in 2023,Qifu Technol-ogy was honored wi

147、th the title of Outstanding Blue Team.The event brought together 51 elite attacking teams from various cybersecurity organizations across the country,as well as 160 defending teams from the cybersecurity field in Shanghai,and conducted a dual track cyber-security live attack and defense event that l

148、asted for 10 days.Qifu Technology performed excep-tionally well in the group matches during the first 7 days,advancing to the elite competition,and ultimately secured an excellent 12th place finish among the 160 defending teams,demon-strating their outstanding comprehensive defensive capabilities.Qi

149、fu Technology emphasized the latest technological research,introduction,and application in response to the characteristics of online operations and the latest fraud trends.We prioritized the development of data capabilities and absorbed the anti-fraud experience from traditional banks.As a result,th

150、e Argus intelli-gent risk control engine was established,covering high-risk investment business risks such as counterfeit applications and account security,organized fraud prevention,telecom fraud prevention,gambling,and pyramid schemes.This effectively prevented fraud and credit risks in online loa

151、n models.In 2023,the Argus intelligent risk control engine continued to exert energy efficiency and achieved significant control results in risk monitoring,early warning,control,and traceability.Intelligent Risk Controlthe company continues to improve various product trademark registration and prote

152、ction mecha-nisms,establishing a domestic and international trademark protection system.By the end of 2023,we had obtained over 200 registered trademarks both domestically and internationally.0.001The incidence of fraud and account losses in 2023 was less than Application of Argus Intelligent Risk C

153、ontrol Engine/4241In terms of trademark protectionwe focus on technological innovation as a strategic priority,continuously improving innovation quality.By the end of 2023,we had applied for over nine hundred patents,with nearly three hundred authorized patent applications.We conduct multi-level qua

154、lity audits of relevant legal documents,establish timely communication channels with various business units,closely assist business operations,and protect self-developed achievements such as financial large models,AIGC,Yuzhi AI Expert,Yushu Big Data Platform,Argus intelligent risk control system,Gla

155、ucus intelli-gent marketing system,Lingxi quality middle platform,and ModelRobot self-service AI modeling system throughout the process,transforming substantial innovation points into the companys intangible assets and protecting them with patents.Before the publication of multiple academic papers g

156、enerated during business research and development,we conducted innovative patent searches on relevant technologies and simultaneously applied for related invention patents for protection,comprehensively safeguarding the legitimate rights and interests of scientific research achievements and independ

157、ent intellectual property rights.the company holds nearly a hundred copyright registrations,attaching great importance to comprehensive intellectual property protection of technological innovation,brand building,and self-owned copyrights.In terms of patent protectionIn terms of copyright protectionB

158、PResponsibility OperationEnvironmental,Social,and Governance Report 2023In 2023,Qifu Technology formulated the Academic Paper Publication Management System,which standardized the process management from technical research and development to intellectual property transformation,and then to academic p

159、aper publication disclosure.This was combined with the Intellectual Property Management System and the Patent Inventor Reward System,aligned with the companys data security management system and employee management system.Through the establishment of a systematic system,we further standardized intel

160、lectual prop-erty management and enhanced the industrys technological influence.We adopt multiple measures simultaneously to comprehensively ensure the security of the companys intellectual property:Intellectual Property ManagementArgus Intelligent Risk Control EngineIn terms of counterfeit preventi

161、on and account security,we applied the Argus Intelligent Risk Control Engine,resulting in a counterfeit and account loss occurrence rate of less than 0.001 basis points in 2023.There were no significant complaints or risks,thereby safeguarding the basic rights and interests of users.Additional-ly,Qi

162、fu Technology actively participated in the compilation of national standards for Internet identity recognition.In 2023,we became one of the core participating units for the national standard Technical Requirements for Internet Financial Personal Identity Recognition.Qifu Technology has always adhere

163、d to the principle of independent technology research and development and protection of independent intellectual property rights.The companys legal department has established a profession-al intellectual property management team to handle related affairs,providing the company with in-depth and far-s

164、ighted intellectual property strategic planning.We have established a comprehensive intellectual property protection system and fully built a solid intellectual property fortress.We conduct daily training for employees,manage the layout of intellectual property applications,and handle intellectual p

165、roperty disputes,empowering enterprises for sustainable high-quality development and effectively protecting the companys R&D innovation achievements.Intellectual Property Protection/4443Awarded The Honorary Titles Of National Intellectual Property Advantage EnterpriseResponsibility OperationEnvironm

166、ental,Social,and Governance Report 2023Qifu Technology provides intellectual property training for various business lines.For ongoing patent projects,the company promptly arranges patent communication meetings,deeply explores innovative points within the projects to form patent materials,ensures the

167、 synchronous progress of projects and intellectual property protection,and escorts projects for launch.In addition,the company regularly conducts routine and targeted training and advocacy work for various business lines,including basic patent knowledge,patent technology early warning,product intell

168、ec-tual property risk analysis,basic trademark knowledge,and copyright authenticity propaganda.This helps business teams efficiently understand relevant knowledge and systems,enhances awareness of intellectual property protec-tion,stimulates enthusiasm for creation,clarifies creative goals,and prote

169、cts innovative achievements.Intellectual Property TrainingThrough years of technological innovation and independent research and development,Qifu Technology has formed independent innovative intellectual property rights,which have not only effectively promoted the development of Internet financial t

170、echnology but also won widespread recognition and praise from the government and various sectors of society.During the reporting period,we were awarded the honorary titles of National Intellectual Property Advantage Enterprise and Shanghai Patent Pilot Enterprise again.Among them,the National Intell

171、ectual Property Advantage Enterprise was awarded to the Beijing and Shanghai entities carrying different core innovative research and development directions of Qifu Technology.This also marks the first financial technology company in China to be awarded this honorary title in both Beijing and Shangh

172、ai simultaneously.This not only signifies the official recognition of our achievements in intellectual property creation,application,protection,and management but also a significant affirmation of the national recognition of our independent research and development capabilities.Intellectual Property

173、 HonorsAwarded The Honorary Titles Of Shanghai Patent Pilot Enterprise Qifu Technology is committed to providing assurance and trust to customers.As a leading Chinese internet company driven by data intelligence technology,we promise to deliver excellent customer experiences and sustained high-quali

174、ty services.We firmly believe that enhancing customer satisfaction is the foremost element in maintaining the quality of professional services.Therefore,we not only value our commitments to customers but also actively fulfill our responsibilities related to consumer rights protection,allowing custom

175、ers to enjoy high-quality services at reasonable prices.Win-Win Cooperation06/4645Environmental,Social,and Governance Report 2023Win-Win Cooperation/4847Compliance Promotion827Personalized Knowledge EducationFrontline Promotional Staff2,0001105020030075.695.06%6,600+92.57%sessionssessionsmillion+tho

176、usandthousand/daycases18,478individuals42/issues citiesCustomers FirstQifu Technology is committed to providing assurance and trust to customers.As a leading Chinese internet company driven by data intelligence technology,we promise to deliver excellent customer experiences and sustained high-qualit

177、y services.We firmly believe that enhancing customer satisfaction is the foremost element in maintaining the quality of professional services.Therefore,we not only value our commitments to customers but also actively fulfill our responsibilities related to consumer rights protection,allowing custome

178、rs to enjoy high-quality services at reason-able prices.Environmental,Social,and Governance Report 2023Through various communication channels,we carefully listen to customer feedback,regularly monitor the perfor-mance of customer service,and identify areas for improvement.In 2023,we upgraded our cus

179、tomer service system,employing intelligent prediction,routing,and alerts to enhance the efficiency and effectiveness of customer service,achieving a user satisfaction rate of 99.2%for the whole year,with an 87.8%first-time resolution rate for user issues,both showing improvements compared to the pre

180、vious year,making significant progress in consumer rights protec-tion.Enhancing Customer SatisfactionCase:Upgrade and Transformation of User InterfaceIn 2023,we upgraded and transformed the Consumer Rights Protection section of 360 Loans.The section is divided into functional and educational areas.T

181、he functional area optimiz-es the user experience by integrating privacy protection and service management into a single functional bar,making the user experi-ence more efficient and convenient.The educa-tional area includes legal regulations,knowl-edge dissemination,and a special section for case-b

182、ased risk warnings,where we publish posters on legal regulations closely related to consumer rights protection in financial services,educational videos,and case warnings,reach-ing a total of 210,000 users.Win-Win CooperationSpecialized Talent DevelopmentInternal Consumer Protection Training/Publicat

183、ion DistributionDigitization Technology SupportOnline Document Review for CustomersPersonalized Knowledge EducationOnlUrban CoveragePersonalized Knowledge EducationAudience Reach for CoursesCustomer Rights ProtectionIterations of Anti-Fraud ModelsCustomer Rights ProtectionDaily Average Recognition o

184、f Fraudulent BehaviorCustomer Rights ProtectionDaily Average Consultation Services ProvidedCustomer Rights ProtectionActive Interception and Dissuasion of Potential Fraudulent BehaviorCustomer Rights ProtectionOnline Connection Rate per CapitaDigitization Technology SupportIntelligent Customer Servi

185、ce Diversion Rate/5049Fraud prevention alerts issuedTotal monetary loss averted176,217million42,961550Total scam attempts interceptedQifu Technology has developed the Argus risk control system,Shanhai security situational aware-ness system,intelligent intelligence system,risk warning API,and establi

186、shed a team for intelligent and manual anti-fraud persuasion and a blacklist system for fraud at Qifu Technology.In terms of technologyAt the product levelthe Qifu Technology product team,together with the risk control anti-fraud team and the information security team,has established anti-fraud stra

187、tegies covering various scenarios,including anti-fraud reminders,anti-fraud popup reminders,and fraud-related warnings,and set up a security classroom anti-fraud zone for users to learn independently.As of December 31,2023,Qifu Technology has issued 176,217 fraud prevention warnings by phone,interce

188、pted a total of 42,961 victims,and prevented a total fraud loss of 550 million yuan.Case:Special Assistance MechanismOn December 18,2023,a 3.1-magnitude earthquake occurred in Jishishan County,Linxia,Gansu Province.Following the guidance of the companys ESG sustainable development strategy,we urgent

189、ly implemented relief measures such as interest fee waivers and credit maintenance to establish a green channel for users in the earthquake-stricken area of Gansu.Additionally,the company established a comprehensive pre-,during,and post-event special assistance mechanism,providing a special care cha

190、nnel for consumers,becoming the first company in the industry to establish a transitional lending assistance mechanism.Qifu Technology adheres to a service philosophy centered around customer experience,providing a dual guarantee of products and technology to help financial institutions establish mu

191、lti-dimensional anti-fraud defenses from points,lines,to surfaces,enhancing protection of consumers property and information security.Safeguarding Customer RightsSpecial assistance mechanismDuring-eventPre-eventPost-eventFull-chain,comprehensive approachFirst company in the financial technology indu

192、stry to establish an over-lending assistVance mechanismEstablishing a special care channelEnvironmental,Social,and Governance Report 2023Win-Win Cooperation/6463Privacy ProtectionReport and FeedbackPublic EducationSecurityServicesCase:Financial Consumer Rights Protection Educationand Propaganda Mont

193、hFrom September 15 to October 15,2023,the China Banking and Insurance Regulatory Commission,the Peoples Bank of China,the China Securities Regulatory Commission,and the Cyberspace Administra-tion of China jointly launched the Financial Consumer Rights Protection Education and Propaganda Month activi

194、ty,guiding various financial institutions to focus on educational propaganda in entering rural areas,communities,campuses,enterprises,and commercial districts.To effectively improve the financial literacy of people,safeguard the legitimate rights and interests of financial consumers,and create a fai

195、r,just,honest,and orderly market environment,Qifu Technologys Consumer Protection Department responded to the regulatory call,closely centered around the theme of Convergence of Financial Strengths,Creating a Better Life,sinking the focus of education and propaganda,getting close to financial consum

196、ers,and focusing on service scenes and high-frequency matters related to daily life,conducting financial education and propaganda through multiple chan-nels and forms.Within the company,Qifu Technology attaches great importance to the construction of consumer protection culture and the cultivation o

197、f a consumer protection atmosphere.Posters promot-ing financial consumer protection education month are placed in various workplaces to create a rich consumer protection culture atmosphere,further strengthening the sense of mission and enhancing employees awareness of consumer protection and service

198、 level.In the course of many years of operation,Qifu Technology has continuously strengthened its technological explora-tion in the field of privacy protection.We have pioneered and applied multiple technologies within the industry,intelligently safeguarding customer privacy and security.We strictly

199、 adhere to relevant laws,regulations,and regula-tory policies in the industry,such as the new Civil Code of the Peoples Republic of China regarding the protection of personal information privacy rights,and the Personal Information Protection Law of the Peoples Republic of China released by the Natio

200、nal Peoples Congress.Additionally,to meet national regulatory requirements and deeply integrate consumer protection concepts,we have newly launched the Loan Consumer Rights Protection Center(Consumer Safety Center).This center provides users with privacy protection,security services,reporting feedba

201、ck,and popular science propaganda functions.Leverag-ing the companys security genes,we safeguard consumer rights,serving loan users a cumulative total of 150,000 times throughout the year,and sharing related achievements at industry seminars,receiving high praise from regu-latory agencies.Anti-fraud

202、 ProtectionConsumer Rights ProtectionCenterEnvironmental,Social,and Governance Report 2023Win-Win Cooperation/6665In 2023,the number of cooperative suppliers in the User Growth Department of Qifu Technology reached 141,with Chinese suppliers accounting for 100%.Qifu Tech-nology has established long-

203、term mutually beneficial cooperative relationships with suppliers providing high-quality services.Through a rich business matrix,reasonable and effective business policies,and rapid response mechanisms,we support the coordinated and healthy development of suppliers in multiple regions.Currently,the

204、proportion of suppliers in North China,East China,and South China accounts for 38%,37%,and 20%respectively.Additionally,in 2023,by optimizing the automated settlement platform,we shortened the settle-ment cycle with cooperative suppliers,greatly improving the efficiency of their fund turnover,making

205、 cooperation more in-depth and mutually beneficial.Qifu Technology Procurement Management SystemBased on the companys annual budget plan,historical supplier quantities,etc.,determine the number of suppliers needed to be introduced in the current year.Manage supplier deployment plans around the busin

206、ess assess-ment system,including arranging supplier deployment according to the bidding results,formulating and implementing business assessment standards,and regularly evaluating the effectiveness of deployment.Improve the bidding introduction process,review rules,evalua-tion tools,and clarify the

207、participants in the evaluation,includ-ing finance,compliance,legal,internal control,business departments,etc.,to ensure the introduction mechanism is fair,impartial,and transparent.Adopting a survival of the fittest approach to ensure service effectiveness,eliminate agents who do not meet the requir

208、e-ments based on their own business operations and the effective-ness of deployment.38%5%20%37%Suppliers Proportion by RegionNorth ChinaEast ChinaSouth ChinaOther RegionsOptimize Supplier Deployment and Daily ManagementConfirm Supplier QuantityClarify Supplier EliminationImprove Supplier Introductio

209、n MechanismEnvironmental,Social,and Governance Report 2023Win-Win CooperationSupplier ManagementThe company places great emphasis on supply chain management,establishing the Qifu Technology Procurement Management System internally.Based on principles of fairness,impartiality,and transparency,the sys

210、tem clearly defines standardized and regulated procurement procedures and requirements for supplier management.This includes but is not limited to the review and qualification assessment of supplier sources,supplier evaluation/price inquiry,and the standardization of supplier maintenance and elimina

211、tion.In 2023,we optimized our specific require-ments for suppliers through the following procedures:Adhering to the cutting-edge concept of open technology,Qifu Technology promotes its own pioneering experience to the industry,condensing it into standards,setting a new benchmark for the exploration

212、of large-scale models in the financial industry.On September 18,2023,the Trustworthy AI Conference and Nanjing Artificial Intelligence Industry Devel-opment Conference was successfully held.As a major partici-pating unit,Qifu Technology,together with more than 40 companies,jointly compiled the first

213、 domestic large-scale model standard for the financial industry,Part 1:Financial Large Model in Methods and Applications Assessment for Industry-Oriented Large-scale Pre-trained Models.The formal release of this standard provides important basis and reference templates for the design,research and de

214、velop-/6867Environmental,Social,and Governance Report 2023Win-Win CooperationIndustry Win-winQifu Technology understands the importance and driving force of sharing,striving to promote industry win-win coop-eration.On the one hand,we maintain an ecological mindset and open attitude,fully linking up

215、with partners to form a multi-party win-win pattern in technology and business;on the other hand,we focus on technology,increase investment from basic research to applied research,practice the responsibility of leading technology companies,continuously broaden the boundaries of technology,and promot

216、e the progress of the entire fintech industry.To this end,we jointly compiled the first domestic large-scale model standard for the financial industry with multiple compa-nies,promoting the joint development of the industry;cooperated with 360 Brain to promote the development of large-scale financia

217、l industry models;cooperated deeply with Huawei Terminal Cloud Services to promote financial services inclusiveness;and worked closely with JD Supply Chain Financial Technology to inject strong financial power into various types of enterprises.ment,application,and subsequent acceptance of large-scal

218、e models in the financial industry.As the leading unit in the drafting of the standard,Qifu Technology has successfully developed many large-scale model scene applications closely related to specific financial businesses under the support of large models,covering key business areas such as customer

219、acquisition,operations,risk control,and post-loan services,demonstrating strong development potential and inherent strength.Case:Qifu Technology Leads the Compilation of the First Domestic Large-scale Model Standard for the Financial Industry Case:Reached Cooperation with Huawei Terminal Cloud Servi

220、ces to Promote Inclusive Financial ServicesOn August 4,2023,Qifu Technology and Huawei Terminal Cloud Services announced comprehensive cooperation at the 2023 Huawei Developer Conference,aiming to closely integrate Qifu Technologys financial technology with Huaweis extensive terminal ecosystem.Throu

221、gh this cooperation,Huawei terminal users will be able to enjoy convenient and secure financial services brought by Qifu Technolo-gy,promoting the process of financial service inclusiveness.At the same time,Qifu Technology will also leverage the coverage and influence of Huawei Terminal Cloud Servic

222、es to reach a wider user base,enhancing brand influence and market competitiveness.Both parties are committed to bridging the key nodes between consumer scenarios and financial services,promoting the recovery and growth of the consumer market,and bringing users a better experience.Zheng Yan,Senior V

223、ice President of Qifu Technology,stated,We are confident and capable of bringing inclusive and high-quality financial services to all customers of Huawei Terminal Cloud ecosystem.The success of this cooperation marks significant progress for both parties in advancing ecological synergy and enhancing

224、 user experience.In 2023,Qifu Technolo-gy actively contributed advanced experiences to the industry by par-ticipating in the draft-ing of several industry standards/7069Environmental,Social,and Governance Report 2023Win-Win CooperationCase:Awarded the Title of Best Partner by JD,Exploring New Paths

225、for Inclusive Micro and Small EnterprisesOn October 25,2023,at the Supply Chain Financial Technology Conference hosted by JD,Qifu Technolo-gy was awarded the title of Best Partner in JD Supply Chain Financial Technology 2023 for its solid partnership and excellent risk management capabilities,furthe

226、r consolidating its leading position in the field of micro and small financial technology.Through deep cooperation with JD Supply Chain Financial Technology,Qifu Technology has been able to penetrate various links in the industrial chain and accumulate rich data assets.Leveraging advanced artificial

227、 intelligence and cloud computing technology,Qifu Technology has significantly enhanced the supply capacity of supply chain finance for financial institutions,injecting strong financial power into various types of enterprises.It is worth mentioning that Qifu Technologys independently developed Argus

228、 Intelligent Risk Control Engine has played a crucial role in risk assessment,effectively ensuring comprehensive risk control throughout the loan lifecycle.As of now,Qifu Technology has served more than 9 million micro and small users and will continue to explore new areas of financial technology wi

229、th partners,promote innovation in micro and small finance,and contribute to the high-quality development of Chinas real economy.Technical Requirements for Intelligent Risk Prevention and Control in Internet FinanceDisclosure of Personal Network Consumer Credit Information in Internet FinanceTechnica

230、l Requirements for Personal Identity Recognition in Internet FinanceEvaluation Methods for Industry-Oriented Large-scale Pre-training Model Technology and Applications Part 1:Financial Large ModelsTechnical Protection Specification for Financial Data SecurityGuidelines for Financial Data Security Em

231、ergency Response and HandlingGuidelines for the Application of Public Data in Enterprise Credit ReportingResearch Report on the Development of Internet-based Loan Facilitation Business in ChinaCompliance Guidelines for Personal Information Protection/7271People-oriented ApproachWe prioritize the cul

232、tivation,motivation,and development of our employees,actively implementing policies to attract and retain talents,and creating a favorable working environment and development opportunities to enhance their work experience.奇富科技 環境、社會及管治（ESG）報告People-oriented Approach07/7473Environmental,Social,and Go

233、vernance Report 2023People-oriented ApproachWe prioritize the cultivation,motivation,and development of our employees,actively implementing policies to attract and retain talents,and creating a favorable working environment and development opportunities to enhance their work experience.Qifu Technolo

234、gy believes that employees are crucial core assets for the companys continuous development and success.As a technology-driven company,we are committed to providing broad development space for more outstanding talents.Within the company,we have established the Employee Handbook and Social Recruitment

235、 Process Specification,set scientific standards for employment,training,health,and safety to ensure employees health and safety,and establish friendly and harmonious employment relationships,aiming to build a talent team that meets the companys culture and strategic requirements.Based on our entrepr

236、eneurial and development experi-ence,we have formulated Qifu Technologys unique talent view:self-driven,result-oriented,resilient,positive,and open-minded.Based on this talent view,we focus on the cultivation,motivation,and development of employees,actively implement policies to attract and retain t

237、alents,and create a good working environment and development opportunities for employees to enhance their work experience.In 2023,the total number of employees in the company was 3,121,with male employees accounting for approximate-ly 59%and female employees accounting for approximately 41%.There ar

238、e currently 3,118 full-time employees,accounting for 99.9%of the total company workforce.Additionally,the company focuses on building a young and high-quality team,with employees under 30 accounting for 45%,who are innovative and brave,adding vitality to the company.GenderEmployment StatusEmployee G

239、rade DistributionMaleFemaleFull TimePart TimeSenior AdministratorIntermediate AdministratorGeneral EmployeesEmployee Age Proportion3031-4950At the compensation level,Qifu Technology adopts a comprehensive compensation philosophy that reflects employ-ees value and contributions from multiple perspect

240、ives,integrating various incentive methods organically to form a positive bond between the organization and employees,enabling mutual growth for employees and the company.We have established the Compensation Management System internally to build a comprehensive employee compensa-tion system,creating

241、 a fair,just,transparent,and scientific compensation performance system.Our compensation system is diversified,consisting mainly of fixed wages,floating wages,allowances,overtime pay,etc.Among them,floating wages are linked to the company and individual performance,promoting employees atten-tion to

242、the companys development and operating conditions,cultivating employees sense of ownership,stimulating employee initiative,and promoting organizational efficiency improvement.In addition to regular compensation,we also design various long and short-term incentive methods and conduct scientific compe

243、nsation management based on labor assessment principles combined with employee performance assessments,following the compensation distribution concept of paying for positions,abilities,and performance,motivating employees to continuously improve their personal capabilities and grow with the company.

244、We conduct regular external market compensation surveys to ensure that employee compensation is fair internally and competitive externally,ensuring that employees receive reasonable rewards.In addition to fully paying social insurance for employees in accordance with the law,the company also provide

245、s additional supplementary medical insurance,holiday gifts,and wedding,funeral,birthday gifts,etc.,to enhance employee happiness.Diverse Compensation and Benefits System People-oriented Approach2,9451,4101,7056162143,11831,8381283To ensure a balance between employees work and life and improve work f

246、lexibility,we provide flexible working hours for employees to arrange their schedules flexibly.The company provides professional instant communication tools,and employees can choose to work from home when encountering special circumstances,efficiently completing work through convenient online commun

247、ication systems.In addition to enjoying weekends off,statutory holidays,various holidays,maternity leave,breastfeeding leave,childbirth leave,marriage and funeral leave,etc.,employees of Qifu Technology also enjoy one day of paid sick leave per month,allowing employees to seek medical treatment prom

248、ptly and fully rest.At Qifu Technology,we have established the Employee Care Management Measures internally to effectively imple-ment employee care initiatives.We provide tangible benefits and cash assistance for employees weddings,childbirth,hospitalization recovery,severe illness or disability,and

249、 other life events.Additionally,considering the objective condi-tions of workplaces in different locations,we offer various perks such as afternoon tea,cafeteria,contracted fitness/7675Additional BenefitsStatutory BenefitsFive Insurances and One Fund:Pension,Medical,Unemployment,Work-related Injury,

250、Maternity Insurance,and Housing Provident FundStatutory holidays,annual leave,marriage and funeral leave,maternity leave,lactation leave,and work-related injury leaveCommercial insurance such as accidental injury,Service leave,Meal subsidies,Travel allowances,Transporta-tion subsidies,Heatstroke pre

251、vention subsidiesHoliday bonuses,Birthday parties,Regular health check-ups,Company outings,Health tea breaks,Care for illness,etcWelfareSystemEnvironmental,Social,and Governance Report 2023centers,sports clubs,shuttle buses,medical rooms,and first aid kits to create a reassuring and pleasant work en

252、viron-ment for our employees.People-oriented ApproachIn terms of employee care,Qifu Technology advocates the concept of happy work,happy life and create a comfort-able working environment through various employee activities.We genuinely care about employees lives and provide a variety of leisure act

253、ivities,striving to achieve a balance between work and life for employees,and exerting our best efforts to assist employees and make life more convenient,thus enhancing employee cohesion and sense of belonging./7877happy work,happy life Sports Club：The company consistently focuses on enhancing emplo

254、yee happiness and cohesion.The Employ-ee Sports Club regularly organizes various activi-ties and competitions based on employee feedback.Instant Incentive Activities：The company conducts instant incentive activi-ties quarterly to reward outstanding perfor-mance employees with multiple small-scale in

255、centives,enhancing both team benchmarks and employee honor.Cultural Theme Activities：Regular cultural theme activities are planned and conducted(including activities such as Spring Festival outings,International Womens Day celebrations,Teachers Day events,Programmers Day celebrations on October 24th

256、,Christmas parties,etc.),allowing employees to fully experience the festive atmosphere and the companys care.Special Team Building Activities：Each team organizes special team-building activities regularly according to its actual operation and management status.Through various colorful and innovative

257、 activities,team cohesion is further enhanced to create a more cohesive and effective team.Environmental,Social,and Governance Report 2023People-oriented ApproachQifu Technology cares about the health and safety of every employee and always prioritizes employee health and safety.The company has esta

258、blished a comprehensive Environment,Health,and Safety(EHS)management system,strengthened EHS organizational structure and management capabilities,clarified EHS assessment indicators,and continuously improved the companys EHS management level and employee awareness.Throughout the business development

259、 process,the company consistently adheres to the concept of safety first.Through measures such as organizational construction,strengthening employ-ee health and safety awareness,and establishing health and safety systems,a distinctive culture of health and safety has been formed at Qifu Technology.T

260、he company ensures employee occupational safety and health through methods such as organizing employee physical examinations,conducting health promotion activities,organizing safety training,and conducting safety inspections.Ensuring Occupational Safety and HealthThe company provides comprehensive h

261、ealth check-up benefits for all employees,organizes annual physical examinations,upgrades the examination packages every year,and invites professional physicians to interpret examination reports and provide shoulder and neck relaxation massages and other employee occupational health care activities.

262、Addi-tionally,the company particularly focuses on the mental health of work-place employees.Through cooperation with the Beijing Xinqihang Service Center,emotional counseling services are provided to employ-ees to relieve stress and ensure employees mental health.The company also offers specialized

263、training courses on Workplace Stress Response and Emotional Management for colleagues in need,aiming to provide targeted counseling support for post-pandemic and high-pressure team members or those hoping to improve their professional qualities,receiving approval from numerous participants.Valuing E

264、mployee Physical and Mental Health12/8079Environmental,Social,and Governance Report 2023People-oriented ApproachHealth and Safety Focus/8281New Employee Onboarding TrainingIn 2023,the monthly offline training sessions for new employee onboarding were conducted,featuring invited core management to sh

265、are their insights.Simultaneously,training sessions on corporate culture promotion,risk control,internal audit,and other professional knowledge were organized,including interactive sessions such as case studies.This comprehensive training approach earned a satisfaction score of 97 out of 100 in the

266、survey among the new employee training attendees,indicating the recog-nition of the well-organized and effective onboarding training.Environmental,Social,and Governance Report 2023People-oriented ApproachComprehensive Talent Development PathThe company emphasizes the training and improvement of empl

267、oyees knowledge,skills,and professional qualities,and has established a mature training system and promotion development mechanism.To this end,we have devel-oped a comprehensive talent development system to enhance employees self-drive,thinking ability,and prob-lem-solving skills.The company is comm

268、itted to providing training and development opportunities for employees to maximize their business potential and management capabilities.At the same time,the company advocates for employees to enhance themselves in actual combat,establish learning-sharing mechanisms,and precipitate organi-zational w

269、isdom.As of the end of the reporting period,our new employee retention rate reached 75%,and the majori-ty of core personnel are talents cultivated internally by the company.Qifu Technology adheres to the values of talent first,knowledge first,emphasizing talent cultivation and develop-ment while est

270、ablishing a comprehensive talent development system to broaden employee career paths.Through various channels and multi-level training programs,we continuously improve our talent pool.We have designed a variety of training courses tailored to different groups of employees,including new employees,gra

271、ssroots employees,reserve talents,technical experts,emerging leaders,and core managers.These training programs aim to enhance the comprehensive abilities of employees at all levels.The training content covers leader-ship and comprehensive skills enhancement,compliance,patent protection,fraud prevent

272、ion,relevant business knowledge,and institutional training,providing comprehensive learning opportunities for employees in different positions.Employee Training/8483The Five Principles of Performance ManagementEnvironmental,Social,and Governance Report 2023People-oriented ApproachCommittee Special S

273、haresA total of 36 training/empowerment sessions were conducted(12 at the company level,6 at the committee level,10 interdepartmental at the channel level,and 8 within departments at the channel level).The company has established a closed-loop performance management system aimed at internally implem

274、enting a goal-oriented performance management mechanism.It guides employees through the entire performance management process,including goal setting,performance review,self-assessment,evaluation,feedback,and improvement,to enhance team management capabilities and achieve Qifu technologys strategic g

275、oals while also improving employees individual abilities.Performance evaluations are conducted mid-year and at the end of each year,utilizing a full-360-degree assessment approach,strictly adhering to performance management principles to ensure a comprehensive,objective,and fair evaluation of employ

276、ees.Performance Management SystemObjectivityDynamic TargetContribution EnhancementSuitabilityIn the process of performance management,insist on objective facts and contributions as the basis for evaluation/assessment and avoid uncritical subjective assumptions/pri-vate emotions from influencing the

277、assess-ment resultsPerformance goals are updated through regular performance reviews,and the performance management process revolves around dynamic performance goals.Performance goals focus on creating value for the company or improving work and require individuals to build on their existing work co

278、ntributions and to improve working criteria or try new ways of working.Fully disclose the criteria,procedures,methods and time of appraisal,adopt the same appraisal criteria for similar appraisal subjects.Meanwhile,conduct objective discussions or sunlights on performance targets and results to ensu

279、re the transparency and credibility of performance management.The company has the right to adjust the assessment plan in a timely manner in accordance with the companys operating conditions and management needs,and the implementation details of the assessment shall be subject to the specific plan.Op

280、en,Fair and ImpartialProtection of Employee RightsQifu technology strictly adheres to labor laws and regulations such as the Labor Law of the Peoples Republic of China,the Labor Contract Law of the Peoples Republic of China,etc.It has also established and implemented a series of internal regulations

281、 such as the Employee Handbook,Welfare System,Performance Appraisal Management Measures,Compensation Management System,etc.,to fully protect employees rights and interests.Qifu technology strictly follows national and local social security mechanisms,signs labor contracts with employees,pays social

282、insur-ance,housing provident fund,ensures paid annual leave,marriage leave,maternity leave,paternity leave,sick leave,bereavement leave,home leave,etc.,to effectively safeguard employees legal rights and interests.The company ensures that all employees hired are of legal working age,resolutely elimi

283、nating the employment of child labor and forced labor.If any cases of child labor or forced labor are found,strict measures will be taken according to relevant procedures,and those involved will be severely punished.During the reporting period,the company did not engage in any illegal employment of

284、child labor or forced labor in any region.Qifu technology adheres to the principles of equality and diversity in employment,strives to create an inclusive corpo-rate culture,supports comprehensive and merit-based employment standards,guarantees employees equal employment rights,firmly opposes employ

285、ment discrimination,and does not discriminate against employees based on religion,nationality,race,gender,age,marital status,etc.,thereby safeguarding employees equal employment and promotion opportunities.If employees rights are violated,we are willing to communicate and negotiate with employees to

286、 protect their legitimate interests with practical actions.Furthermore,based on an open and inclusive value system,we highly respect the opinions and suggestions of every employee,establishing various communication channels for them to express their thoughts.In addition,we have set up an anonymous s

287、uggestion box for employees to freely voice their opinions.Additionally,we conduct an annual employee satisfaction survey and analyze the results to address employees primary concerns./8685Industry authorityManagement development channelP13-15 Domain expertP10-12 Bussiness backboneP9Strategic leadP1

288、5 Strategy formulationP12-14Strategy planning P9-P11Bussiness Backbone Single serial numberDual-channelP7-P8 Independent WorkP4-P6Supporting othersP1-P3 Environmental,Social,and Governance Report 2023People-oriented ApproachQifu technology has formulated the Qifu technology Promotion Management Syst

289、em,emphasizing equal opportu-nities in employee promotion.The company respects employees career development plans,providing dual-channel development paths.Employees have the opportunity for promotion every year,based on past performance,devel-opment potential,personal capabilities,cultural values,et

290、c.Through promotion counseling and defense sessions,employees can be promoted with higher responsibilities.Performance Management SystemProfessional development channelProud of Green08Qifu technology adheres to the green environmental protection concept of harmonious coexistence between humans and n

291、ature,emphasizing the environmental impact during operations and establishing a comprehensive EHS management system.The company rationalizes the use of clean energy,effectively addresses climate change,and continuously advocates for low-carbon office practices.It actively engages in environ-mental p

292、rotection activities to effectively reduce the companys impact on the surrounding environment./8887Environmental,Social,and Governance Report 2023Proud of GreenTonnesTonnes per personTotal Water ConsumptionPer Capita Water Consumption62,63424.21/9089/9089Metric tons of CO2 equivalentMetric tons of C

293、O2 equivalentScope 1Scope 2Metric tons of CO2 equivalentMetric tons of CO2 equivalent per personTotal Greenhouse Gas EmissionsPer Capita Greenhouse Gas Emissions14.351383.611397.960.45噸TonnesTonnesHazardous WasteNon-Hazardous WasteTonnesTonnes per personTotal Waste EmissionsPer Capita Waste Emission

294、s0.04503.04503.080.16MWhMWhMWh per personGasolineTotal Electricity ConsumptionPer Capita Electricity ConsumptionResource Consumption CategoryUnit52.21276.20.41TotalResource Consumption CategoryUnitTotalResource Consumption CategoryUnitTotalResource Consumption CategoryUnitTotalQifu technology strict

295、ly complies with relevant environmental protection laws and regulations,such as the Environ-mental Protection Law of the Peoples Republic of China,the Energy Conservation Law of the Peoples Republic of China,and the Law of the Peoples Republic of China on the Prevention and Control of Solid Waste Po

296、llution.In terms of emission reduction,energy conservation,water conservation,and waste reduction,the company has set practical and feasible environmental goals to effectively reduce greenhouse gas emissions as well as the use of energy and water resources,aiming to minimize the impact of operationa

297、l activities on natural resources.Additionally,the company strives to create green office spaces,promote green office and lifestyle practices,and advocate for green products and services to fulfill its commitment to green operations,thereby continuously expanding its corporate influence in green env

298、ironmental protection.Resource UsageQifu technology follows the relevant provisions of the Energy Conservation Law of the Peoples Republic of China,establishes an internal emission reduction system,strengthens energy management in office areas,comprehensive-ly reduces resource consumption,enhances e

299、mployees awareness of emission reduction,and significantly reduces electricity consumption.In 2023,there was a substantial reduction in total electricity consumption,and a decrease of 18.1%in electricity density compared to the previous year.Resource UsageOur company,primarily a financial enterprise

300、 focused on low energy consumption and minimal pollution,does not involve industrial wastewater,exhaust gases,air pollutants,or the consumption of packaging materials.We strictly comply with laws and regulations such as the Law of the Peoples Republic of China on the Prevention and Control of Air Po

301、llution and the Law of the Peoples Republic of China on the Prevention and Control of Solid Waste Pollution,establishing a standardized emission management system.We use environmentally friendly materials in our opera-tions,set and regularly review environmental emission targets,and strive for susta

302、inable environmental develop-ment.Emission ManagementRegarding pollutant gas emissions,our operations have no significant environmental impact.However,the company still generates greenhouse gases through gasoline consumption and purchased electricity.Therefore,we have implemented various measures to

303、 reduce greenhouse gas emissions.Greenhouse Gas EmissionsIn accordance with the Law of the Peoples Republic of China on the Prevention and Control of Environmental Pollu-tion by Solid Waste and the National Hazardous Waste List implemented by our company,waste is classified and disposed of according

304、ly.Recyclable paper is centrally collected,and toxic waste is handled by designated personnel.Ink cartridges,ribbons,toners,used batteries,and office computers are centrally collected and disposed of.Since our business does not involve significant industrial manufacturing activities,we do not genera

305、te large amounts of hazardous waste.Our hazardous waste mainly consists of used batteries,while non-hazardous waste includes household garbage and office paper consumption waste.During the reporting period,our company did not violate any laws or regulations related to environmental protection.Harmfu

306、l and Non-harmful WasteIn terms of water usage,Our water consumption is already at a relatively low level,and the goal is to maintain this normal level of water usage in the future.Therefore,we strictly adhere to laws and regulations such as the Law of the Peoples Republic of China on the Prevention

307、 and Control of Water Pollution and the Regulations on Urban Drainage and Sewage Treatment,and strengthen water conservation awareness among employees during daily operations.We promote the companys annual water-saving objectives to employees and replace various water appliances with water-saving mo

308、dels whenever possible.In 2023,the company achieved significant results in water conservation,with a total water reduction of 21,606 tons compared to the previous year,and a decrease in water density by 25.6%.Water Resource ConsumptionEnvironmental,Social,and Governance Report 2023Proud of Green/929

309、1Energy and Water ConservationStrictly monitor the use of electrical facilities such as lighting and multimedia,turning off lighting and multimedia devices during non-office hours,and use induction lights,LED energy-saving lamps,or introduce natural lighting through glass curtain walls for illuminat

310、ion.Introduce weak current intelligent control systems and install time-controlled switches on landscape lighting fixtures to reduce lighting energy consumption.Adjust air conditioning system operating parame-ters in a timely manner,maintain low-tempera-ture operation during the heating season at ni

311、ght,encourage the closure of air conditioning equip-ment in office areas and non-key areas under suitable temperature and seasonal conditions,and use natural ventilation more,avoiding unnecessary energy consumption.Select high-performance variable frequency chillers and pumps to improve energy utili

312、zation efficiency.Use water-saving sanitary ware in office areas,conduct regular inspections of sanitary ware and valves in areas such as toilets and tea rooms to prevent water equipment from leaking.Promote double-sided printing of documents,set up waste paper bins,and effectively reuse waste paper

313、.Continuously improve the approval process integration based on the OA office platform and practice intelligent office management.Encourage the purchase of new energy vehicles and encourage employees to use public transportation.Green OfficeUse classified trash bins in office areas and transport col

314、lected classified trash to property garbage recycling stations for classified processing.All hazardous waste is uniformly collected by qualified recyclers,including waste toners,ink cartridges,and batteries generated by office printing equipment,ensuring that 100%of hazardous waste is compliantly pr

315、ocessed.Use green and environmentally friendly materials in the interior design of office buildings,regularly monitor indoor air quality in office buildings,and create a comfortable and green working environment for employees.The company is fully aware of its social responsibility for environmental

316、protection and resource conservation.We actively explore green management models to achieve our business goals and sustainable development scientifically.We strictly adhere to national and industry-related environmental protection laws and regulations,implement green and low-carbon development conce

317、pts in daily operations,and improve environmental performance in energy saving,water conservation,and waste reduction.In 2023,the company made the following efforts:Green OfficeGreen BusinessWaste and Reduction ManagementGreen DecorationEnvironmental,Social,and Governance Report 2023Proud of Green/9

318、493Cumulative number of environmental industry enterprises supported216,000Cumulative loan amount injected into environmental industry enterprises16.05 billion yuanIn addition to serving individual consumers,Qifu Technology also provides specialized services for environmental protection enterprises.

319、As of the end of 2023,Qifu Technology has empowered financial institutions with technology and has cumulatively injected a total of 16.05 billion yuan in loans into 216,000 environmental industry enterprises.These environmental industry enterprises include renewable energy,clean technology,waste tre

320、atment,energy conservation,and emission reduction,among other areas.The special funds are used to help companies upgrade their technologies,improve production efficiency,reduce resource waste,and environmental pollution,actively promoting sustainable development.Assist environmental protection enter

321、prisesProud of GreenEnvironmental,Social,and Governance Report 2023Furthermore,in 2023,Qifu Technology continued to increase its support for the purchase of new energy vehicles through consumer finance,implementing measures such as green channels and low-carbon subsidies.As of the end of the reporti

322、ng period,we have assisted financial institutions to issue 25.96 billion yuan of new energy vehicle owner loans in total and served a total of 175,000 new energy vehicle owners.We have always believed that new energy vehicles are not only powerful tools for reducing global transportation industry ca

323、rbon dioxide emissions but also key areas of specialization and innovation supported by the country.25.96Cumulative new energy vehicle owner loans facilitated by financial institutionsCumulative number of new energy vehicle owners servedIncreased consumer finance support for the purchase of new ener

324、gy vehicles billion yuan175,000/The company actively focuses on climate change issues,identifies the risks and opportunities that climate change brings to its business,formulates actions to address climate risks,and fully explores opportunities.Our climate change risks mainly include extreme weather

325、 events caused by climate change.Our climate change opportunities mainly include developing green and low-carbon products to enhance industry competitiveness and corporate operational efficiency,as well as applying green and environmentally friendly technologies in data centers to reduce corporate o

326、perating costs in the medium to long term.The company has established a special working group and management mechanism to deal with climate change,formulated emergency plans for various emergencies,clarified the responsibilities of various departments in emer-gency response,and ensured that emergenc

327、y rescue work can be carried out orderly in emergency situations.In addition,the company conducts regular emergency drills to continuously verify and improve the emergency response capabilities of various departments,enhance employees crisis response awareness,and reduce environmental pollu-tion ris

328、ks.In terms of coping with extreme weather,we assess the impact of extreme weather conditions on our operations,formulate targeted wind prevention plans,flood prevention plans,snow prevention plans,earthquake and lightning disaster prevention plans,clarify emergency event handling responsibilities a

329、nd emergency reporting procedures,and stipulate the content and frequency of daily drills to minimize the impact of extreme weather on operations or asset losses.9596奇富科技 環境、社會及管治（ESG）報告Qifu technology has formulated the Qifu technology Promotion Management System,emphasizing equal opportu-nities in

330、 employee promotion.The company respects employees career development plans,providing dual-channel development paths.Employees have the opportunity for promotion every year,based on past performance,develop-ment potential,personal capabilities,cultural values,etc.Through promotion counseling and def

331、ense sessions,employees can be promoted with higher responsibilities.PromotionProud of GreenAppendix09Content Index of ESG Guide/9897Environmental,Social,and Governance Report 2023Appendix/10099Types of emissions and respective emissions data.A.EnvironmentAspect A1:DischargeGeneral disclosureA1.1A1.

332、2A1.3A1.4Emission managementEmission managementData statisticsData statisticsData statisticsEmission managementEmission managementDescriptionLocationAspectInformation relating to waste gas and green-house gas discharge,sewage to water and land,hazardous and non-hazardous waste genera-tion,etc.:(a)Po

333、licies;and(b)Comply with laws and regulations that have a significant impact on issuers Direct(Scope 1)and Energy Introduction(Scope 2)greenhouse gas emissions(in tonnes)and(where applicable)intensity(e.g.per unit of production volume,per facility).Total hazardous waste produced(in tonnes)and,where appropriate,intensity(e.g.per unit of production volume,per facility).Total non-hazardous waste prod