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1、Environmental,Socialand Governace Report2024About this reportInformation SourcesThe qualitative and quantitative information used in this report comes from the public information,internal documents and relevant statistical data of Qifu Technology Company.ReferencingFor the convenience of presentatio

2、n and reading,this report is referred to as Qifu Technology,the company or We.ReferencingThe online version of this report can be viewed and downloaded from Qifu Technology website(http:/www.qifu.tech/).FeedbackThis edition of the report aims to make stakeholders and the public have a more comprehen

3、sive and clear understanding of the companys corporate social responsibility and corporate values.We welcome your comments and opinions on this report and its contents,which will help us build a consensus on corporate social responsibility.Please email your comments .surveys distributed to stakehold

4、ers,etc.,to identify corporate social responsibility issues that are import-ant or relevant to the company and stakeholders.Measurability:Key performance indicators disclosed can be measured.Balance:Objectively presenting the companys work in environmental,social,and governance aspects in the report

5、.Consistency:This years ESG report adopts a consistent data disclosure method with previous years,com-pares data from different years,and lists changes in statistical methods and key performance indicators.Report PeriodThe scope of the Environmental,Social and Governance Report(this report)is from J

6、anuary 1,2024 to December 31,2024.Report TargetThe main purpose of this edition of Environmental,Social and Governance(ESG)Report is to identify the major sustainable development issues that are most relevant to the company,and provide information on how the company can mitigate such risks and explo

7、re these issues.It aims to make the stakeholders of the company better understand the social values,strategies and practices of sustainable development measures of the company.。Report ScopeThis ESG report considers the importance of the sustainable development of the companys operations.As the Compa

8、ny is a financial technology company established in Shanghai,China,and its main income comes from business in China market,this ESG report mainly reflects the performance of Shanghai headquarters and branches on ESG from January 1,2024 to December 31,2024.Reporting GuidelinesThis edition of ESG Repo

9、rt is prepared in accordance with the ESG Reporting Guidelines(ESG Guidelines)in Appendix 27 of the Listing Rules of the Stock Exchange.We use a consistent method to make a fair com-parison with past data and disclose ESG performance comprehensively and objectively.Index SelectionThis report mainly

10、considers the importance,measurability,balance,and consistency of specific indicators related to performance disclosure of major topics.We will continue to adjust and optimize the disclosure indicators in future reports.Importance:Utilizing stakeholder power-stakeholder models,engagement mechanisms,

11、ESG-related/0201About this reportEnvironmental,Social and Governance Report 2024/0403ContentsEnvironmental,Social and Governance Report 202401050622232503022937434950040911Honors won by Qifu Technology in 2024Brief introduction of Qifu technologyStakeholder communicationHighlight dataIdentification,

12、evaluation and sequencing of substantive issuesSupplier managementIndustry win-win situationPublic welfare for goodCustomer firstPay attention to health and safetyMature talent development pathSafeguard employees rights and interestsDiversified salary and welfare system151617Company overviewAnalysis

13、 of substantive issuesCorporate governanceComprehensive institutional systemCompliance and anti-corruptionInnovation and research and developmentHelp the small and help the microData governanceResource useEmission managementGreen managementContent Index of Environmental,Social and Governance Reporti

14、ng GuidelinesStatistics tableCrack down on black ash productionIntellectual property protectionCorporate responsibility governanceResponsible operation5561636674798186Win-win cooperationPeople-oriented07909193101108Be proud of being greenAppendixContents/040308Since its establishment,Qifu Technology

15、 has always adhered to the concept of starting from safety and persisting in technology and is committed to creating greater value for customers,employees,partners and society.In the current wave of profound changes in the financial technology industry,we clearly realize that ESG concept plays a vit

16、al role in the companys sustainable development,competitiveness improvement,social trust winning and long-term value creation.As we have always stressed,technology is the key force driving financial innovation,and ESG concept is the cornerstone to ensure our steady progress on the road of innovation

17、.Based on the deep understanding and recognition of ESG concepts,we have formulated the ESG strategy and objec-tives of the company,focusing on five core areas:responsibility governance,responsibility operation win-win cooperation,people-oriented and be proud of being green,and integrating these con

18、cepts into every link of the companys operation in an all-round and deep way,and committed to promoting the coordinated and harmonious development of the company and society.In terms of responsibility governance,we always regard compliance and steady operation as the top priority.The company attache

19、s great importance to corporate responsibility governance,integrates sustainable development strategy into the core competitiveness of enterprises,strictly abides by relevant laws and regulations,and builds a modern organizational structure.The Board of Directors is responsible for formulating and s

20、upervising the sustain-able development strategy,setting up an ESG Committee covering key functional departments,and designing and promoting the ESG action plan.In 2024,the company established and optimized 30 rules and regulations to ensure the legality and compliance of business activities and pro

21、tect the rights and interests of all parties.The company adheres to the principle of compliance management,strictly abides by anti-corruption related laws and regulations,establishes and improves anti-fraud system,conducts compliance training,strengthens anti-money laundering work,and earnestly safe

22、guards the stability of financial markets.Self-research of core technology is an important cornerstone for the long-term development of financial technology companies.We have always been committed to empowering finance with science and technology,always regard innovation and R&D as the lifeline of e

23、nterprise development,uphold the core values of continuous innovation,and strive to provide safe,fast and inclusive financial services for the majority of users through scientific and technological innovation.In 2024,the company made a series of breakthrough achievements in cutting-edge technologies

24、 such as speech recognition and multi-modal deep-fake countermeasures,and the Qifusion framework model and SFE-Net model were accepted by the top academic conferences in the world.Qifu Financial large-scale model has shown remarkable efficiency improvement in many business scenarios,such as end-to-e

25、nd interaction,R&D automation,and agent customer service efficiency.It has been successfully selected into relevant reports and has become the benchmark application of the vertical large-scale model of the financial industry.We actively support small and micro enterprises,release the Micro-Start Sta

26、r small and micro support plan,and help small and micro enterprises solve financial problems with the help of self-developed large language model technology.CEO speechWu HaishengCEO of Qifu TechnologyQifu Technology has always adhered to the concept of starting from safety and persisting in technolo

27、gy and is committed to creating greater value for customers,employees,partners and society./0605CEO speechEnvironmental,Social and Governance Report 2024CEO致辞奇富科技环境、社会及管治（ESG）报告/0807Achieving win-win cooperation and practicing social feedback is an important mission of our enterprise development.In

28、2024,adhering to the concept of customer first,we took measures such as introducing AI companion Xiaoqi,improving customer service system,and applying intelligent technology to think about what customers think and worry about their urgent needs.We actively carry out anti-fraud publicity and consumer

29、 protection activities and firmly safeguard the rights and interests of customers.Being in the financial technology industry,we also actively participate in industry construction,actively participate in various industry conferences,take the lead in drafting industry standards,and undertake innovatio

30、n competi-tions,thus contributing wisdom and strength to the overall development of the financial technology industry.In the field of public welfare,we are also active,helping rural revitalization,paying attention to childrens growth,participating in activities to help the disabled,giving back to so

31、ciety in various ways,and actively fulfilling corporate social responsibility.Talent is the first resource for enterprise development,and we always adhere to the people-oriented development concept.Qifu Technology attaches great importance to the cultivation,encouragement and development of talents,

32、actively imple-ments various talent policies,and is committed to attracting and retaining outstanding talents.By constructing diversified salary and welfare system,implementing flexible working system and organizing colorful employee activities,employees happiness and work experience can be effectiv

33、ely improved.We care about employees physical and mental health,provide employees with annual physical examination,emotional counseling and other services to ensure employees occupational safety and health in an all-round way,so that every employee can realize personal value and professional growth

34、in Qifu Technology.It is our unshirkable social responsibility to advocate green development and protect the earths homeland.Qifu technology adheres to the concept of green environmental protection and is committed to reducing the impact of operations on the environment.The company strictly abides b

35、y environmental laws and regulations,and sets targets in emission reduction,energy saving,water saving and waste reduction to reduce greenhouse gas emissions and resource use.We actively build a green office space,advocate a green lifestyle,promote green products and services,and fulfill our commitm

36、ent to green operation.In addition,we also actively respond to climate change,formulate emergency plans and conduct emergency drills to ensure operational safety and environmental protection in extreme weather.Looking forward to the future,Qifu Technology will,as always,firmly practice the ESG conce

37、pt and continue to further promote practice and innovation in various key areas.As I have always believed,our financial technology industry is facing unprecedented structural opportunities,which are far greater than the difficulties we are currently facing.We are confident that through unremitting e

38、fforts and cooperation with all parties,we will be able to contribute more to the sustainable progress of society while promoting the high-quality development of enterprises,make steady progress towards the goal of becoming an industry model,and interpret our responsi-bilities and responsibilities w

39、ith practical actions.CEO of Qifu TechnologyWu HaishengEnvironmental,Social and Governance Report 2024Company overview01 Qifu Technology(formerly 360Shuke)is an excellent financial technology service platform driven by artificial intelligence in China.Adhering to the initial intention of starting fr

40、om safety and persisting in technology,with intelligent services,AI research and application,and safety tech-nology,it empowers financial institutions to improve quality and efficiency,promotes the high-quality development of inclusive finance,and enables more people to enjoy safe and convenient fin

41、ancial technology services.Honors won by Qifu Technology in 2024Won many honors such as the most respected company,the best CEO,the best CFO and the best investor relations professionals in Institutional Investor.Won the Peoples Ingenuity Technology Award from Peoples Daily OnlineRanked in the Doubl

42、e 50 list of KPMG China financial technology enterprises for six consecutive yearsSelected in the list of 2024 IDC China Emerging Financial Technology 50Selected as China Network Integrity Development Report 2024 by China Network Social Organization FederationWon the One-star mark of DiRM special wo

43、rk(pilot)for data interface security risk monitoring and evaluationSelected into the case library of China Financial Case Centre of Wu Daokou Finance College in Tsinghua UniversitySelected by China Artificial Intelligence Industry Development Alliance(AIIA)2024 Artificial Intelligence Pioneer Case C

44、ollectionIn-depth participation in the Guidelines for the Implementation of Financial Data Security Governance issued by China Internet Finance AssociationWon the certificate of High-tech Enterprise jointly issued by Shanghai Science and Technology Commission,Finance Bureau and Taxation BureauIn 202

45、4,it won the title of Excellent Blue Team in Shanghais actual network security attack and defense activities in the field of industry and informatizationSelected by Shanghai Financial Technology Industry Alliance as 2024 Demonstration Scenarios and Innovation Cases of Artificial Intelligence large-s

46、cale model Financial FieldSelected by China Internet Finance Association as Typical Experience and Excellent Case of Financial Standards Supporting Five Great ArticlesAwarded the Social Welfare Organization of the Year by the Organizing Committee for Top Ten Brand Promotion of Beijing Financial Indu

47、stryWon the 22nd Financial Billboard of Hexun,2024 Scientific and Technological Innovation Model of Listed CompaniesWon the Financial Technology Company of the Year of Shanghai Newspaper Group|Interface News 2024 Excellent Financial AwardSelected in the report of Founding Foundation Plan of China IC

48、T Institute and Insight into the Application of AGI in Financial Field of InfoQ Research CentreWon the 2024 Excellent Financial Technology Company award of China TimesAwarded Thinking Finance&Investor Network 2024 Financial Technology Influential EnterpriseWon the most valuable Chinese stocks award

49、selected by the ninth listed company of Zhitong FinanceSelected into the Evaluation Report on Social Responsibility of Internet Platform Enterprises 2024 jointly compiled by China Network Social Organization Federation and China National Institute of Standardization/1211Honors won by Qifu Technology

50、 in 2024Environmental,Social and Governance Report 2024Environmental,Social and Governance Report 2024Analysis of substantive issues02 According to the ESG report guidelines of the Stock Exchange,the company identified substan-tive issues that have a significant impact on Qifu Technology and stakeho

51、lders from many sustainable development issues through internal and external communication and discussion.These topics are helpful for the company to formulate ESG governance and risk management measures and effectively respond to the major concerns of stakeholders.Identification,evaluation and sequ

52、encing of substantive issuesEnvironmental,Social and Governance Report 2024/1615We welcome stakeholders to give feedback and exchange views with our company on sustainable development.For a long time,we have maintained continuous and close communication with relevant stakeholders through a wide rang

53、e of channels(including but not limited to regular activities,media platforms,and various reports)in order to better understand their feedback on the companys current social practice,so as to understand the shortcomings that need to be improved.In addition,we regularly review the companys sustainabl

54、e development issues related to the environment,society and governance to ensure that the company meets the expectations of relevant stakeholders,market trends,regulatory regulations,ESG guidelines and matters related to the field of financial technology.The following are the concerns and communicat

55、ion methods of relevant stakeholders:Stakeholder communicationEnterprise response modeShareholderStaffRelevant stakeholdersClientsupplierBusiness partnerCommunitySubstantive issues of concernIncrease R&D investment inproduct innovationEstablish data management andcontrol systemCustomer serviceCustom

56、er complaint handling mechanismEstablish a credit risk management and control systemPublicity and educationFront end interceptionCarry out targeted assistanceLanding scientific employment standardStrengthen safety knowledge educationImprove the relevant training mechanismImprove the salary systemEst

57、ablish and improve the internal systemImplement ESG governanceCompliance management system Establish anti-fraud reporting mechanism and policyEstablish industry standards and promote industry progressSupplier evaluation and communicationGreen supplier managementCarry out sharing and communicationEst

58、ablish intellectual property protection policiesStrengthen training related to intellectual property protectionCarry out sharing and communicationParticipate in public welfare activitiesOrganize charitable aid for poverty alleviationSupport policies related to landing carbon neutralityPolicy formula

59、tion and implementationStrict management of emissionsPromote the construction of ecological protection measuresPromote the landing of green productsEnvironmental organizationData governanceInnovation and research and developmentCustomer firstIntelligent risk controlAnti-fraud protectionInclusive Sma

60、ll and Micro BusinessesEmployee rights and interestsEmployee health and safetyStaff training and developmentEmployee compensation and benefitsLabor standardsCorporate governanceCompliance managementInnovation and research and developmentSupplier managementIndustry win-win situationIntellectual Prope

61、rty RightsIndustry win-win situationCommunity public welfarePoverty alleviation charityCarbon neutral planResource useEmission managementExtreme weather responseGreen operationIdentification,evaluation and sequencing of substantive issuesAccording to the ESG report guidelines of the Stock Exchange,c

62、ombined with internal and external communication and discussion,the company identified substantive issues that have a significant impact on Qifu Technology and all stakeholders among a wide range of sustainable development issues.These topics help to formulate ESG governance and risk management meas

63、ures at the company level,and ensure that the company can effectively deal with major concerns of stakeholders.According to the principle of materiality,the company ranked the identified major substantive issues through the materiality matrix,and passed the audit of the management.The results are as

64、 follows:Government and regulatory agenciesInformation disclosureCompliance and anti-corruption managementand SafetyEmployee Health WelfareCommunity Public Employee Rights and InterestsDevelopmentStaff Training and Importance to Qifu TechImportance to Stakeholders01234501234High Important Substantiv

65、e IssuesModerately Important Substantive IssuesMildly Important Substantive IssuesInnovation and R&D1Intellectual Property Rights Data2Compliance6Data Governance3Intelligent Risk Control4Customer first5MSES7Anti-fraud protection8Green operation9Supplier Management101411Emission Management15Industry

66、Win-win121613Resource Use17Extreme Weather Response18101411151216131718123456879Highlight dataEnvironmental,Social and Governance Report 2024100.37 billon yuan12.44 billion yuan3.98 million19.16 billion yuan242 thousand31.86 billion yuan191 thousand31.2%Assist financial institutions to lend money to

67、 pan-small and micro enterprisesThe scale of pan-micro loans accounted forAssist financial institutions to lend money to agriculture,rural areas and farmersServed farmers cumulativelyAccumulated to assist financial institutionsto issue loans to environmental protection enterprisesCumulative service

68、environmental protection enterprisesAccumulated to assist financial institutions in issuing new energy vehicle owners loansServed new energy ownersInclusive Small and Micro BusinessesRural revitalizationGreen finance2024Highlight data/1817Corporate responsibility governance03 Qifu Technology deeply

69、integrates the concept of sustainable development into corporate gover-nance and regards it as one of the key elements to build core competitiveness.Environmental,Social and Governance Report 2024Corporate responsibility governanceEnvironmental,Social and Governance Report 2024Corporate responsibili

70、ty governanceCorporate governanceCurrent board membersQifu Technology deeply integrates the concept of sustainable development into corporate governance and regards it as one of the key elements to build core competitiveness.The board of directors of the company is responsible for formulating the su

71、stainable development strategy and supervising its implementation,and is committed to building a green office environment and improving the utilization rate of enterprise resources,so as to fulfill Qifu Technologys responsibility to shareholders and society.We set up the ESG Committee to protect the

72、 companys sustainable devel-opment management.The ESG Committee includes all key functional departments,takes the lead in designing the ESG action plan,regularly discusses the problems encountered in the work,and reports to the management,and the management reports major issues to the board of direc

73、tors as appropriate.Qifu Technology abides by the requirements of the Companies Ordinance,the Listing Rules of the Stock Exchange of Hong Kong and other laws,regulations and normative documents,and establishes a modern organizational structure.At present,the board of directors of the company has 9 d

74、irectors,including 5 independent directors.The Board of Directors consists of Audit Committee,Remuneration Committee,Nomination Committee and Corporate Governance Committee,and establishes corresponding implementation rules to meet the development needs of the company.Since the completion of the sec

75、ondary listing on the main board of the Hong Kong Stock Exchange,due to the change and revision of the authorized share capital,we have dissolved the dual shareholding structure and all the issued shares of the Company(including Class B ordinary shares with super voting rights)have been re-designate

76、d and reclassified as Class A ordinary shares,and each share gives the holder the right to vote.MemberZhao FanWu HaishengXu ZuoliZhao DanJiao JiaoChen XiaohuanXiao GangYan YanLiu XianggeAge704256454443496758GenderMaleMaleMaleMaleFemaleMaleMaleMaleMalePositionChairman of the boardChief Executive Offi

77、cerand DirectorChief Financial Officer and DirectorDirectorDirectorIndependent DirectorIndependent DirectorIndependent DirectorIndependent DirectorBe responsible for evaluating and determining risks related to ESG;Review and review ESG policies and ESG reports.Board of DirectorStrengthen ESG risk ma

78、nagement and internal control measures;Provide guidance to the execution team of ESG project.ManagementUrge all departments to implement ESG policies;ESG Committee/2221Lead the design Of ESG action plan,guide and implement ESG related affairs.Comprehensiveinstitutional systemIn 2024,Qifu Technology

79、made remarkable progress in the field of internal control and compliance management,and estab-lished and optimized a total of 30 rules and regulations.Among them,15 systems including Qifu Science and Technology Pro-curement Management Standard,Qifu Science and Technolo-gy Procurement Business Proces

80、s System and Qifu Science and Technology Data External Provision Management Standard were newly built and rebuilt,and 15 systems including Qifu Sci-ence and Technology Contract Management Measures,Qifu Science and Technology Financial Reimbursement System and Qifu Science and Technology System Safet

81、y Management Regu-lations”were comprehensively optimized.Through the construction and optimization of rules and regula-tions,the company ensures that all business activities strictly abide by applicable laws and regulations.These measures not only improve the transparency and efficiency of corporate

82、 gov-ernance,but also effectively protect the legitimate rights and interests of shareholders,employees and other stakeholders.With the expansion of the companys business scale and the change of the industry supervision environment,we will con-stantly adjust and optimize the rules and regulations,es

83、pecially in the fields of environmental protection and data protection,to ensure timely response to new social needs and regulatory requirements,and further strengthen corporate governance and sustainable development capabilities.rules30Established and optimized a total of Environmental,Social and G

84、overnance Report 2024Corporate responsibility governanceEnvironmental,Social and Governance Report 2024/2625 Compliance and anti-fraud trainingWe pay attention to training employees on compliance knowledge.In 2024,we conducted eight special training courses on Anti-fraud System for new employees,inc

85、luding but not limited to identifying signs of fraud and compiling administrative punishment cases,in order to further strengthen the compliance management and cultural construction of the company in anti-fraud.Anti-money launderingIn promoting anti-money laundering work,we always put compliance ope

86、ration in the first place,and unswervingly and fully implemented a series of key legal norms and regulatory provisions.For the an-ti-money laundering strategy,Qifu Tech-nology has built a more sophisticated risk assessment model based on the actual business,which can accurately identify po-tential m

87、oney laundering clues.At the same time,inter-departmental cooperation has been strengthened,so that risk control,compliance and business departments can be closely linked to realize seamless infor-mation docking and sharing,accurately lock suspicious clues,and ensure rapid response when risks first

88、appear.By imple-menting the customer due diligence system and improving the customer due diligence Compliance and anti-corruptionQifu Technology always adheres to the principle of compliance management and regards it as the cornerstone of sustainable development to ensure the steady development of e

89、nterprises.In the process of conducting business,the company strictly abides by the laws and regulations of the country and region where it is located,covering important areas such as compliance management,environmental protection and occupational health.At the same time,Qifu Technology adheres to b

90、usiness ethics and upholds the values of honesty,dedication,law-abiding,fair competition and honest management to ensure the steady development of the enterprise.In 2024,Qifu Technology revised the Qifu Technology Business Conduct and Ethics Code system and its appendix,which better constrained the

91、code of conduct of employees from the institutional level of listed companies.In 2024,our investigation found that there were suspected clues of fraud,which were handed over to the public securi-ty organs in time.At the same time,we have carried out in-depth rectification of relevant systems and pro

92、cesses to further strengthen corporate governance and ensure transparency and compliance.We will continue to uphold and promote the construction of a clean and honest culture,strive to achieve long-term sustainable corporate responsibili-ty,and promote a fair and honest business environment.model,Qi

93、fu Technology has continuously improved the efficiency and workflow of suspicious transaction investigation,avoided huge losses of financial institu-tions,effectively maintained the stability and healthy development of financial markets,and built a solid barrier to pre-vent illegal capital outflows.

94、In 2024,Qifu Technology formulated a comprehensive anti-money laundering system and pro-cess based on the core laws and regula-tions such as Peoples Republic of China(PRC)Anti-Money Laundering Law,and continuously improved the anti-money laundering mechanism.The company has revised 3 anti-money laun

95、dering work systems and rules,and fulfilled 4 related filing obligations to ensure the legitimacy and authority of the system.Qifu Technology strictly Comply with the Criminal Law of the Peoples Republic of China,theAnti-Unfair Competition Law of the Peoples Republic of China,theAnti-Money Launderin

96、g Law of the Peoples Republic of China,and other applicable laws and regulations.and regards anti-fraud as an important part of the companys culture and values.At the same time,the Compliance Department takes the lead in conducting daily compliance review and risk monitoring,sorting out and forming

97、a compliance risk list,organizing compliance publicity and training,reviewing the compliance of the companys internal rules and regulations,products and business processes and project agreements,actively tracking and implementing external regulatory requirements,and escorting the companys legal comp

98、liance operation and steady development.Anti-corruption management has always been a topic of continuous concern to all sectors of society,including customers and suppliers.Qifu Technology has always implemented the zero tolerance standard for corruption,actively advocated honest and trustworthy bus

99、iness conduct,and resolutely resisted all forms of commercial bribery and corruption.Externally,in order to build a sunny and transparent anti-corruption system,we have signed a special clean cooperation agreement with our partners to create a fair and just clean ecological environment.Internally,in

100、 order to avoid corruption and standardize the management of conflicts of interest,the company has established Anti-Fraud Management Regulations,theGift Acceptance and Handling Regula-tions,and theWhistleblower Protection and Reward Regulations,and defined the requirements of fraud prevention,anti-f

101、raud investigation and fraud handling.In 2024,we received a total of 24 gift declarations.At the same time,we have established a reporting channel.If we find any incident that violates the regulations and harms the companys interests,employees can report it to the companys ethics committee by email,

102、and the ethics committee will conduct an independent investigation based on the reported information.Compliance and anti-corruption managementEnvironmental,Social and Governance Report 2024Responsible operation04 Qifu Technology always regards independent R&D and innovation as the core driving force

103、 of enterprise development and upholds the value concept of continuous innovation.The company is committed to using scientific and technological means to provide safe,efficient and inclusive financial services for individuals and families and improve the quality of life.Innovation and research and d

104、evelopmentQifu Technology always regards independent R&D and innovation as the core driving force of enterprise development and upholds the value concept of continuous innovation.The company is committed to using scientific and techno-logical means to provide safe,efficient and inclusive financial s

105、ervices for individuals and families and improve the quality of life.Innovation of research and development achievementsIn the wave of scientific and technological innovation,Qifu Technology has always been an explorer,deeply tapping the technological potential,actively participating in cutting-edge

106、 academic research,and showing strong R&D strength and academic influence.We have continued to exert our efforts in cutting-edge technical fields such as speech recognition and multi-modal deep-fake confrontation,and the scientific research achievements have been highly recognized by international a

107、uthoritative academic platforms,which has injected strong impetus into techno-logical innovation in the industry.Case%93The comprehensive accuracy of speech recognition has reached more than%95The accuracy of intention recognition has exceededIn 2024,Qifusion-Net:Streaming/Non-Streaming End-to-end S

108、peech Recognition Framework Based on Feature Fusion,a paper by Qifu Technology Intelligent Speech Team,was included in the Interna-tional INTERSPEECH 2024,the top conference of global speech and acoustics.In September,Qifu Technology Intelligent Voice Team was invited to attend the conference and de

109、livered a keynote report to show its innovative achievements in the field of speech recognition to the world.China has a vast territory and complex dialects,which brings great challenges to speech recognition technology,especially in financial business scenarios,it is often difficult for general spe

110、ech recogni-tion technology to meet the needs of accuracy and efficiency.To this end,Qifu Technology introduced the self-developed Qifusion framework model and integrated it into business scenarios such as intelli-gent marketing and post-loan reminder,which not only effectively solved the above prob

111、lems,but also greatly improved the recognition accuracy.In the complex call environment,the comprehensive accuracy of speech recognition has reached more than 93%,and the accuracy of intention recognition has exceeded 95%,which is at the leading level in the industry.Qifusion framework model paper w

112、as included by INTERSPEECH/3029As Mr.Wu Haisheng,CEO of the company,said:As a technology company,our core competitiveness lies in applying innovative technology to the innovation of products,services and business models,so as to solve social problems,enhance public welfare and realize the dual promo

113、tion of business and social values.Responsible operationEnvironmental,Social and Governance Report 2024Responsible operationEnvironmental,Social and Governance Report 2024/3231Compared with other speech recognition frameworks,the Qifusion framework model has the following characteristics:There are m

114、orevarieties of dialectsDialect recognitionis more accurateDialect recognitionis more efficientWith rich data samples in post-loan scenarios and dialects,the Qifusion frame-work model accurately strengthens the dialect recognition ability in Sichuan,Chongqing,Shandong,Henan and other user-intensive

115、areas on the basis of the original eight domestic mainstream dialects such as northeastern mandarin.This makes the average recognition accuracy rate increase by 25%.Qifusion framework model has the ability to automatically identify different accents,and can correct the accent information of decoded

116、results in time dimension and the overall speech recognition word error rate by more than 16%,which significantly improves the user experience.Qifusion framework adopts an innovative layer adaptive fusion structure,which can extract dialect information more efficiently by sharing information coding

117、module.CaseIn December 2024,the paper SFE-Net:Improving Feature Selection in Deep Learning Net-works by Using Biological Principles of Gene Selective Expression was received by ICASSP 2025,the top academic conference on global signal processing.ICASSP is the worlds largest and most comprehensive top

118、 academic conference on signal processing and its application,with authoritative and extensive academic and industrial influence,which has attracted the attention of researchers in the field of AI.With the popularization and development of artificial intelligence production model,deep forgery techno

119、logy is becoming more and more complex,and the application threshold is stepped down,which poses a serious threat to the social trust system,personal privacy and information authenticity.Traditional machine learning models usually rely on static feature representation,which is difficult to adapt to

120、different synthesis methods.The results show that SFE-Net surpasses all static models at present,and SFE-Net shows stronger generalization ability in cross-data set scenarios.Its average AUC in all test data sets(the closer the AUC is to 1.0,the higher the detection accuracy is)is also greatly impro

121、ved to 0.795 compared with the previ-ous SOTA of 0.767.This further proves the unique advantages of SFE-Net in comprehensively utilizing multi-dimensional feature extraction technology for forgery detection,and provides an efficient and reliable solution for deep forgery detection.This technology is

122、 expected to be applied to Qifu Technol-ogys anti-fraud and anti-black ash production work,and further enhance the ability to protect users.the intelligent voice team of Qifu Technology deeply analysed different Deepfake algorithm theories and deduced targeted depth feature representation.At the sam

123、e time,SFE-Net can dynamically adjust the feature priority according to the input deep forgery features,selectively enhance key features,and reduce the influence of irrelevant or misleading clues,thus effectively improving the detection accuracy.SFE-Net paper was accepted by ICASSPDuring the researc

124、h process:0.795SOTA level has been greatly increased toResponsible operationEnvironmental,Social and Governance Report 2024/3433The AI companion Xiaoqi in Qifu Technology relies on the large-scale model technology,with zero manual interven-tion in the whole process,intelligently accompanying users t

125、hrough every demand stage and providing them with a highly personalized service experience.Xiaoqi has effectively improved the user experience and service efficiency through three core functions.Xiaoqi has realized the whole intelligent 0 manual service.Whether the user needs to raise the amount,red

126、uce the interest rate or repay the loan,Xiaoqi can respond quickly and provide immediate and effec-tive personalized help.Xiaoqi has the ability of multi-round intelligent interaction.This feature enables Xiaoqi to have a natural and smooth dialogue with users like real-life customer service,and hel

127、p users solve complex problems through step-by-step guidance.Xiaoqi also has the ability to control everything by language.Users can easily wake up Xiaoqi and enjoy convenient voice interaction service by simple voice commands.This function not only lowers the operating threshold,but also makes fina

128、ncial services more humanized and closer to users daily lives.Qifu financial large-scale modelIn terms of intra-end interaction01whole intelligent 0 manual service02 The ability of multi-round intelligent interaction03 The ability to control everything by languageSelf-research of core technology is

129、an important cornerstone for the long-term development of financial technology companies.Since its establishment,Qifu Technology has continuously invested huge R&D funds and set up a R&D team with a scale of over 1,000 people,among whom more than 100 people focus on the research of AI large-scale mo

130、del.In 2024,Qifu Financial Model continued to improve its efficiency in the aspects of end-to-end interaction,R&D automation and customer service,which promoted the intelligent and efficient operation of the company as a whole.At the same time,Qifu Technologys large-scale model application was selec

131、ted into the report Insight into the Appli-cation of AGI in the Financial Field published by China ICT Institutes Casting Foundation Plan and InfoQ Research Centre,and became the benchmark application of the vertical large-scale model of the financial industry.Responsible operationEnvironmental,Soci

132、al and Governance Report 2024%100increase the average daily usage of agents by overcaseOn December 19th,the 2024 Special Exhibition of Demonstration Scenes and Innovative Application Cases of Artificial Intelligence in Financial Field of the 6th Shanghai Internation-al Forum on Financial Technology

133、was successfully held.The highlight of this event is undoubtedly the wonderful appearance of Qifu Technologys newly developed AI companion Xiaoqi.The release of this new product is an innovative measure for Qifu Technology to use artificial intelligence technology to optimize user experience and imp

134、rove user satisfaction.AI companion Xiaoqi debuted at the Shanghai International Forum on Financial TechnologyJarvis,a large-scale model development tool independently developed by Qifu Technology,integrates professional financial industry knowledge,rich field experience and large-scale model techno

135、logy into the three expert models of requirements,code and testing,effectively improving the intelligence and automation level of the system,and achieving a 20%improvement in delivery efficiency with the same R&D investment.In terms of specific application effect,R&D personnel account for more than

136、80%,and automatically generated test cases account for 40%,which shortens the online time limit of requirements from 14 days to 6 days,significantly enhancing the combat effective-ness of technical teams.In the R&D automation linkAt the level of agent customer service efficiency/3635 5.6%The user co

137、nversion rate at theagent side increases by 50%The management efficiency increases by 1.2%The business processing accuracy rate also increases by 96.3%The recall rate of the key information of the large-scale model has increased to 98.8%The accuracy rate has reachedCopilot,an agent efficiency tool,r

138、efines efficient communication strategies and speech templates through in-depth analysis of Yitongs historical call records,which helps agents to capture users inten-tions more accurately and quickly.The user conver-sion rate at the agent side increases by 5.6%,the management efficiency increases by

139、 50%,and the business processing accuracy rate also increases by 1.2%.In the post-loan scenario,the recall rate of the key information of the large-scale model has increased to 96.3%,and the accuracy rate has reached 98.8%,which has been fully extended to many business scenarios such as user identif

140、ication and case tracking,enabling agents to identify key information more efficiently,follow up cases in time,improve the quality and efficiency of the task of agents,and increase the average daily usage of agents by over 100%.Delivery efficiency improvement20R&D personnel utilization exceeds80auto

141、matically generated test cases account for40shortens the online timelimit of requirements from14 days to6%days%100Responsible operationEnvironmental,Social and Governance Report 2024Help the small and help the microThe amount increase range is as high asmillion yuanbillion yuanmillion yuan490Boost S

142、MSE users in the construction industry265Help SMSEs achieve transaction increment Over80.2New credit granted for industries such as the retail industry andthe construction industryBehind these initiatives that benefit small and micro enterprises,it is inseparable from the excellent risk control tech

143、nical support of Qifu Technology.Argus,the intelligent risk control engine developed by Qifu Technology,runs risk control through the whole chain before,during and after lending,accurately evaluates the risks of small and micro enterprises,and effective-/3837In the current economic environment,small

144、 and micro enterprises,as the capillaries of economic development,are facing many challenges,especially the difficulties in capital turnover,high financing costs and fierce market competition.Small and micro enterprises are the bright stars of Chinas economy,and Qifu Technology helps small and micro

145、 enterprises shine the most brilliantly through down-to-earth technology empowerment.ly solves the problem of high cost of traditional finan-cial risk control.At the same time,in view of the pain point of credit for small and micro enterprises,Argus Risk Control Engine Enterprise Edition expands the

146、 information dimension by integrating data from credit reporting,industry and commerce,taxation and other aspects,and effectively identifies risks caused by information asymmetry.In order to accu-rately identify the different needs of small and micro users,Qifu Technology has built a relationship ma

147、p for each user to dig deep into the value of the relationship between data.With the support of risk control technology,Qifu Technology has maintained a high credit pass rate and a low non-performing rate,which makes it possible for microfinance to increase in quantity and decrease in price,and smal

148、l and micro enterprises can truly enjoy high-quality financial services.In January 2024,Qifu Technology released the second five-year plan of micro-business Micro-Star micro-support plan.This year,five activities have been successfully carried out,each of which provides precise support measures for

149、the different needs of small and micro enterprises.The first phase of the Micro-Star project took the lead in the construction industry,and launched an exclusive quota for 29,000 small and micro users in the construction industry,flexibly responding to various liquidity needs.During the event,an add

150、itional 490 million yuan was added to the construction industry.The second phase of the Micro-Star program was launched after the Spring Festival,accurately supporting many small and micro enterprises and individual industrial and commercial households such as wholesale and retail,accommo-dation and

151、 catering,and promoting the resumption of work and production,stability and stability,and technological innovation.The third phase of the Micro Star project was launched during the May Day Golden Week.Qifu Technology implemented precise measures.Through a number of activities such as issuing interes

152、t-free coupons,increasing credit limits upon certification,and holding lucky draws,it benefited 5.3 million small and micro enterprises and individual industrial and commercial households,achieving a transaction increment of over 265 million yuan.The fourth phase of the Mi-cro-Star program was launc

153、hed on the 8th United Nations Small and Medium Enterprises Day,further expanding the scope of support.In the past year,the total amount of new credits for wholesale and retail,agriculture,forestry,animal husbandry and fishery,construction,tourism and accommodation industries were 80.2 billion yuan.T

154、he fifth phase of the Micro Star project was launched during the Double Eleven period.Qifu Technology carried out the Ten Billion Credit Limit Increase activity.More than 6.62 million users received a total credit limit increase support of over 50.8 billion yuan,effectively relieving the pres-sure o

155、n the capital turnover of small and micro enterprises.Micro-Star micro-support programArgusIntelligent RiskControl EnginePrecisely assess the risks of small and micro enterprises,effectively solving the problem of high costs in traditional financial risk controlBefore loan issuanceAfter loan issuanc

156、eDuring theloan periodFirst phase Third phaseFourth phaseResponsible operationEnvironmental,Social and Governance Report 2024/4039Mr.Chen,the entrepreneur of tourism platformWhen doing small business,you often need money urgently.Its ok to borrow it once or twice from friends and relatives but Im em

157、barrassed to borrow it more often.Three years ago,I was in urgent need of money,my friend recommended Qifu IOU,which is a big brand with high quota and good service.I solved the problem in time and paid the rent for half a year.Now,for three or four years,it is the first thing I think of every time

158、I need money urgently.I started to open a bar in partnership with my friends.I didnt expect to meet someone and lose all my money.At the lowest point,it was Qifu IOU(original 360 IOU,the core product of Qifu Tech-nology)that pulled me out of the mire.Later,I worked to make money and paid back the mo

159、ney.I started my business again and made a travel account.The company is now on the right track.I am very grateful to Qifu for borrowing money.It saved my life and made my dream come true.Mr.Wu,the owner of an electric car shopEnvironmental,Social and Governance Report 2024Responsible operationQifu

160、Technology introduced the self-developed large language model technology into the business,and built an innovative knowledge map and multi-modal data fusion technology for small and micro enterprises,which brought brand-new development ideas and solutions to the micro-finance field.The knowledge map

161、 of innovative small and micro enterprises covers three levels:relationship map,product map and matter map,and its comprehensiveness and accuracy are remarkable.The relationship map clearly combs the complex relationships among users with the coverage rate of small and micro users as high as 97.26%.

162、The product atlas contains 19,000 product entities in different fields and the up-down relationship,covering 81.3%of small and micro users,providing a solid basis for accurately identifying user needs;The matter map focuses on more than 300 small and micro enterprise industry events and indicators,c

163、overing more than 70%of small and micro users,and can gain in-depth insight into the operating rules of small and micro enterprises.The multi-modal data fusion technology can intelligently acquire and integrate various materials of small and micro business operators,such as tax payment,operating flo

164、w,income proof,etc.At the same time,combined with industry research reports and economic indicators,it can dig deep into the core information of small and micro enterprises and accurately evaluate their operating conditions.In addition,Qifu Technology upgraded the traditional NLP model through Qifu

165、large-scale model,and the interpreta-tion system of Qifu Research Report quickly enriched the interpretation dimension of enterprise products,from six prod-uct change dimensions such as cost,demand and raw materials to 200+,and combined with the financial knowledge map,it covered the business change

166、s of 30%small and micro users,and provided accurate and personalized financial services in combination with business changes./4241CaseOn December 24th,2024,Qifu Technology won the award of Peoples Ingenuity Technology in the 20th Peoples Ingenuity Award sponsored by Peoples Daily.This honor is not o

167、nly a high recogni-tion of Qifus technological strength,but also a strong affirmation of its contribution to promoting the high-quality development of the financial services real economy.Qifu large-scale model won the Peoples Ingenuity Technology Award Large-scale model assistant智能风控引擎KnowledgeGraph

168、Product entities and hypernym-hyponym relationshipsProvide a solid basis for accurately identifying users needsAccurately identify the owners of SMSEs or individual business operators,significantly improve service precision,and provide financial services more tailored to the actual needs of SMSEsGai

169、n in-depth insights into the operation laws of SMSEsClearly sort out the complex relationships among usersSMSE user coverage rateSMSE user coverage rateRelationship GraphIndustry events andindicators of SMSEs19,00097.26%81.3%SMSE user coverage rateEvent GraphProduct Graph300over70%+Environmental,Soc

170、ial and Governance Report 2024Responsible operationQifu Technology actively builds an information security management system,and has built its own systems such as QFAC,Nova Cloud Shield Platform,Information Security Management Platform and Intranet Security Management Platform,covering many core are

171、as such as data security,network security,business security,etc.,Provide the highest level of security guarantee for the company.The company has established a full set of data security standards and set up a special data security team.This team promotes the manage-ment of internal private data and e

172、nforces data-security regulations.Moreover,it has formulated systems like Qifu Technology Data Secu-rity Management System,Qifu Technology Data Classification and Grading Management System,and Qifu Technology Personal Infor-mation Protection and Data Governance Basic Policy to standardize the behavi

173、or of each position in the company.In 2024,Qifu Technology launched a data exchange gateway to provide security capability support for five scenarios,including file transmission scenario,data cooperation scenario,security compli-ance scenario,large model interaction security scenario,and mail securi

174、ty scenario,so as to solve data interaction problems in one stop and reduce the risk of data leakage.The gateway has served 11,297 times and handled 4.366 billion times of data interaction,which has effectively guaranteed the safe and stable promotion of key services such as joint modeling and DMP o

175、ld customers.In addition,the company rolled out a zero-trust network security architecture,with a focus on launching the ACL self-service activation and network access risk-identification model,aiming to boost operational efficiency by around 30%.Compliance controlQifu Technology actively complied w

176、ith policies.It used the Shanhai security situation awareness system to get real-time information,set up anti-fraud and public-opinion control mechanisms.By building an Emergency Response Centre(SRC)and conducting regular audits like compliance self-inspection and C-end agreement approval,it identi-

177、fied security risks to company assets,business,and data,and handled risks and exposed issues in real-time.In 2024,the Shanhai Security Situation Awareness System excelled in fraud risk info collection.It gathered about 13.84 million fake website and 48,000 fake App pieces of info,issued 21.4 million

178、 anti-fraud warnings for the IOU security centre,saving about 259 million yuan.It offered anti-fraud and website risk ID for debit users around 11,500 times.In negative public opinion work,it collected 12,000 news and complaint channel pieces,captured 7,800 short-video opinions.Compared to manual wo

179、rk,it boosted public opinion discovery timeliness by 90%and collection efficiency by 300%.Qifu Technology actively responded to the anti-fraud attack,and cracked down on 14,055 fraudulent websites in the whole year,including 4,120 counterfeit loans.The number of cases of the remaining types of fraud

180、 handled has increased by 168%compared with that in the previous period.In the whole year,4,120 counterfeit IOUs were shut down,with a shutdown rate of 100%;Extract 20 sets of fraud source codes to form real-time monitoring of whole network scanning;Intelligent black ash production mining,monitoring

181、 more than 200 active black ash production channels,and investigating 473 high-risk data sellers./4443Data governanceUnder the background of increasing data security risks and stricter regulatory requirements,Qifu Technology adheres to the security gene,independently builds an information security p

182、rotection system for management companies,and regards data governance as the top priority of enterprise development.By the end of the reporting period,we have passed the three-level assessment of information security level protection 2.0,ISO27001 information security management system certification,

183、ISO27701 privacy security management system certification and DSG data security governance capability assessment.Safety management11,297 timesServed4.366 billion timesHandled data interaction30%The plan improve operational efficiency by aboutData Exchange Gatewayscenariomail security security scenar

184、iolarge model interaction scenariosecurity compliancescenariodata cooperation 安全能力security capability support for five scenariosfile transmissionscenario/4645caseIn 2024 Cast Net 2024 network security actual attack and defense activities,Qifu Tech-nology won the title of Excellent Blue Team again wi

185、th its outstanding performance in the field of network security,and the companys information security experts won the Excellent Individual award.This years Rock Action brought together 42 top attack teams from various cyber security enterprises,institutions and universities across the country,as wel

186、l as 138 key blue enterprises from Shanghais industrial and information fields,including Qifu Technology.Qifu Technology stood out from 138 defense teams with its excellent comprehensive defense ability and achieved excellent results.Qifu Technology won the honor of Operation Rock13.84Collected coun

187、terfeit website information aboutOutput anti-fraud warnings for the IOU security centreIn 2024,Shanhai Security Situation Awareness System achieved remarkable results in the collection and analysis of fraud risk informationAnti-fraud Achievements of Qifu Technology in 2024：million pieces21.40million

188、11,500times12 thousand pieces48 thousand pieces 259million yuan90%A stop loss ofCounterfeit App informationProviding anti-fraud and website risk identification for debit users for aboutNews public opinion and mainstream complaint channel information were collectedImproved the timely rate of public o

189、pinion discovery byCollection efficiency compared with manual work by300%The number of fraud websitescracked down on throughout the yearThe number of active black and gray industry channels monitored over14,0554,120200The number of counterfeiIOU apps shut down throughout the year Intelligent continu

190、ous operationWe continue to strengthen the construction of security operation centre and information security platform,adhere to the drive of technological innovation,actively explore and apply the latest security technologies and concepts,and promote the intelligence and efficiency of security oper

191、ation.In 2024,we output a total of 226,000 business risk alarms and 355,000 office risk alarms,and successfully followed up and handled 1,055 important alarms,ensuring real-time control and timely response of enterprise security situation.In order to further improve the efficiency of safety opera-ti

192、on,we actively explore the combination of large-scale model and safety operation,and use our own safety informa-tion and safety corpus to train our own large-scale model Xiaoao.By processing the corpus,we strengthen and expand the knowledge reserve of the large model,and we inject knowledge into the

193、 large model by means of second-ary training,pre-training and RAG.Through constant adjustment and dynamic training in the internal security scene,the average score of Xiaoao in the large-scale model ability test of Livebench reached 35.35 points.At present,Xiaoao has been online to the companys inte

194、rnal instant messaging tool(IM)and security portal,supporting 20 scenarios including security architecture design,customer service feedback analysis,security system interpretation,intelligent operation of IT problems,black ash mining,security algorithm recommendation,etc.,and providing 724-hour onli

195、ne service.The problem-solving rate is estimated to be over 90%.Through this innovative measure,we can effectively release the security and IT operation manpower dealing with simple standardization problems,which is estimated to reduce the labor cost by more than 40%and significantly improve the ove

196、rall operational efficiency.Responsible operationEnvironmental,Social and Governance Report 2024Responsible operation/4847caseAt the beginning of 2024,the highly anticipated Top Ten technology and finance Events in China in 2023 was officially announced,and the list was jointly released by Shanghai

197、technology and finance Museum,the Digital Economy Special Committee of All-China M&A Association and Shanghai Internet Finance Industry Association.After three months of rigor-ous evaluation and fierce competition across the country,Qifu Technologys Integrated Security Scheme for Financial Users Pri

198、vacy stands out from many financial technology cases.This honor highlights the outstanding technical strength of Qifu Technology in the field of financial technology,and also fully affirms its role in the development of national financial technology.Qifu Technologys user privacy protection case is a

199、 vivid manifestation of its unremitting pursuit and firm commitment to user privacy and safety.Since its inception,Qifu Technology has regarded user privacy security as the core of enterprise development,and comprehen-sively built data compliance management,monitoring and auditing,risk analysis,secu

200、rity incident emergency and other dimensions around the whole life cycle of user privacy data.The core principles of pre-protection,in-process monitoring,and post-audit run through the data link,forming a complete user privacy data protection system model.Qifu Technology was selected as one of the t

201、op tentechnology and finance events of the yearcaseIn recent years,with the acceleration of financial digital transformation and the promulga-tion of laws and regulations related to data network security,financial data security gover-nance and compliance use have also become the focus of industry at

202、tention.In this context,Qifu Technology actively responded to the regulatory requirements and deeply participated in the drafting of a series of standards for financial data security governance organized by China Internet Finance Association,including the Implementation Guide for Financial Data Secu

203、rity Governance,Technical Protection Specification for Financial Data Security,and Guidelines for Financial Data Security Emergency Response and Disposal.These standards provide comprehensive data security solutions for financial institutions from three dimen-sions:data governance system constructio

204、n,technical protection measures deployment and emergency response mechanism establishment.Qifu Technology won the excellent case exhibition of five major articles by China Internet Finance Associationbased on personnel organization and user data,and adopted technical means such as data encryption,an

205、onymization and privacy calculation to ensure data security.Qifu IOU,a financial product under the company,benefits from the experience and ability in data security governance,providing users and partners with more compre-hensive security protection.Qifu Technology has established a strict data secu

206、rity control system:pre-protectioncore principlesin-process monitoringpost-auditEnvironmental,Social and Governance Report 2024Responsible operationIn the completed cases,the public security organs have arrested 27 illegal agents14Pushed and filed related cases4Have been closed27/5049知识产权保护 Intellec

207、tual property managementIn 2024,the company continued to improve the protection system covering trademarks,patents,copyrights and trade secrets,and revised the Qifu Technology Intellectual Property Manage-ment System,perfecting the protection and management of trade secrets therein.Qifu Technology c

208、ontinued to strengthen the layout and protection of its own brand trade-marks.By the end of 2024,it had more than 300 registered trademarks at home and abroad.In terms of trademark protectionwe protect the companys self-research achieve-ments in the financial model and intelligent risk control,and t

209、urn the substantive innovation of the business into the accumulation of intangible assets of the company and protect it by patent.At present,there are nearly 900 patent applications,of which nearly 500 are authorized.We mainly support the research and development of various businesses and the public

210、ation of academic papers at top conferences,and simultaneously apply for related invention patents for protection.In terms of patent protectionthe company holds more than 100 pieces of self-developed software copyright registration,and carries out all-round intellectual property protection for techn

211、ological innovation achieve-ments.In terms of copyright protectionAgainst the backdrop of the companys continuous promotion of social responsibility and risk management,we attach great importance to the fight against and governance of the black and gray industries.In 2024,a dedicated department for

212、black and gray industry governance was established,which is responsible for coordinating the identification,early warning,monitoring and crackdown of black and gray industries within the company.Crack down on black ash productionThese cases involved 66 overdue customers,with a total overdue amount e

213、xceeding 1.44 million yuan.The main crimes included forging official seals and fraud.With the intervention and promotion of the police,overdue customers in some cases repaid their debts.In the completed cases,the public security organs have arrested 27 illegal agents,and finally three people were ar

214、rested.At the same time,the management department of black ash production works closely with the business technology and anti-fraud team,and uses cutting-edge technical means such as data relation network,different degree rule OCR recognition model and image similarity model to build a sample databa

215、se of black ash production.In addition,the large-scale model department actively reserves Deepfake detection technology by fine-tuning models,enhancing hot words and locating suspicious voices by computing power.Through independent clue mining,linkage with public security organs and industry partner

216、s,and close cooperation with the police,we have pushed and filed a total of 14 related cases,and 4 cases have been closed.Intellectual propertyprotectionQifu Technology has always adhered to the core purpose of independent technology research and development and the protection of independent intelle

217、ctual property achieve-ments,which runs through the whole process of enterprise development.We have estab-lished a comprehensive intellectual property protection system,based on intellectual prop-erty rights,comprehensively strengthened the whole chain of creation,management,appli-cation and protect

218、ion of intellectual property rights,effectively guaranteed the companys R&D innovation achievements,and made concerted efforts to empower enterprises to move towards sustainable and high-quality development,providing strong support for the company to move forward steadily in the fierce market compet

219、ition./5251 Intellectual property trainingIn order to further promote the effective management of intellectual property rights,Qifu Technology regularly orga-nizes targeted training,covering basic knowledge of patents,early warning of patent technology,risk analysis of product intellectual property

220、rights,basic knowledge of trademarks and publicity of copyright legalization.thus forming a good intellectual property cultural atmosphere.Intellectual property honorIn April 2024,Qifu Technology was awarded the honorary title of 2023 Putuo District Intellectual Property Outstanding Contri-bution Aw

221、ard by Shanghai Putuo District Intellectual Property Office.Intellectual property protectionIn order to safeguard the companys legitimate rights and interests and brand reputation,and avoid the damage to consumers rights and interests caused by users cognitive confusion,we actively crack down on tra

222、demark infringe-ment and unfair competition.In 2024,we paid special attention to the prominent problem of trademark infringement.When we found that there were illegal subjects maliciously clinging to our brand in the market and trying to confuse consumers cognition to seek improper interests,we succ

223、essfully defended our rights through administrative complaints and civil litigation,which not only effectively curbed the spread of trademark infringement and protected the legitimate rights and interests of the company,but also contributed to creating a fair and orderly market competi-tion environm

224、ent,effectively fulfilled the responsibility of enterprises in social responsibility and promoted the healthy development of the industry.raise awareness of intellectual property protectionThese trainings are aimed at solving intellectual property related problems,helping business teams tostimulate

225、creative enthusiasmdefine creative goalsprotect innovative achievements2023 Putuo District Intellectual Property Outstanding Contribution AwardThe government fully affirmed Qifu Technologys outstanding performance in intellectual property in the past year,especially in patent work,and its contributi

226、on to the intellectual property field in Shanghai and Putuo District,which set a good example for the intellectual property development in Putuo District.risk analysis of product intellectual property rightspublicity of copyright legalizationearly warning of patent technologybasic knowledge of paten

227、tsbasic knowledge of trademarks coveringEnvironmental,Social and Governance Report 2024Responsible operationEnvironmental,Social and Governance Report 2024Win-win cooperation05 Qifu technology is committed to providing customers with protection and trust.We promise to provide excellent customer expe

228、rience and continuous high-quality service.We always believe that improving customer satisfaction is the first element of adhering to the professional service attitude,so we attach importance to the commitment to customers,actively fulfill the responsi-bilities related to the protection of consumers

229、 rights and interests,and let customers enjoy high-quality services at reasonable prices.CaseProfessional personnel trainingInternal Consumer ProtectionTrainingpublication issuanceonline audit of customer materialsproviding consulting services every day throughout the yearper capita online connectio

230、n rateProfessional personnel trainingDigital technical supportSafeguarding customers rights and interestsintelligent customer service diversion rateDigitaltechnical guaranteeSafeguarding customers rights and interestsCustomer firstQifu technology is committed to providing customers with protection a

231、nd trust.We promise to provide excellent customer experience and continuous high-quality service.We always believe that improving customer satisfaction is the first element of adhering to the professional service attitude,so we attach importance to the commitment to customers,actively fulfill the re

232、sponsibilities related to the protection of consumers rights and interests,and let customers enjoy high-quality services at reasonable prices.We listen carefully to customers opinions through various communication channels,regularly check the performance of customer service and identify areas that n

233、eed improvement.In 2024,we further improved and upgraded the customer service system,using intelligent pre-judgment,intelligent routing and intelligent early warning to improve the quality and efficiency of customer service and realize efficient interaction with users.The annual customer satisfactio

234、n rate reached 99.06%,and the one-time solution rate of user problems reached 87.26%,which made great progress in protecting consumers rights and interests.Improve customer satisfactionMs.Yuan is a user of 360 IOUs under Qifu Technology,and has maintained a good credit record since 2018.However,sinc

235、e the winter of 2023,she has encountered a series of difficulties:her fathers illness has worsened,she has undergone surgery herself,and at the same time she is unemployed,and her family has been burdened with heavy debts.After learning this situation,Qifu Technology acted quickly and got in touch w

236、ith Ms.Yuan for the first time.After confirming that the situation is true,the rescue team quickly reviews the information and determines the rescue plan.In April 2024,the rescue team rushed to Chongqing and handed over the aid money to Ms.Yuan for her fathers follow-up treat-ment.Ms.Yuans family,wh

237、o solved the urgent need,was very grateful.This action of Qifu Technology is a warm-hearted measure that it takes the lead in explor-ing in the industry.The company is committed to providing material support and services for those users who are caught in loan difficulties due to non-subjective reaso

238、ns,demon-strating the social responsibility of financial technology enterprises.Caring for help,lighting up the light of users hope/5655sessions9issues55,200%89.71times/day110,400%95.56 Thanks a lotfor Qifu Technology,which made us in trouble feel the warmth and strength.+Environmental,Social and Go

239、vernance Report 2024Win-win cooperation/5857caseIn September 2024,Hainan was severely affected by Typhoon Capricorn.Under the guidance of ESGs sustainable development strategy,Qifu Technology quickly launched an emergency response mechanism and introduced relief measures such as interest fee reducti

240、on and credit maintenance to open a green channel for users in disaster areas.These measures are aimed at helping the affected users to alleviate the economic pressure and restore normal life order as soon as possible,which reflects the social responsibility and responsibility of Qifu Technology in

241、the face of natural disasters.Provide special support for users affected by Typhoon CapricornQifu Technology adheres to the customer experience as the core,and with the dual support of products and technolo-gy,assists financial institutions to build an all-round and multi-level anti-fraud defense sy

242、stem,and protects consum-ers property and information security from part to whole.Safeguard customer rights and interests Anti-fraud protectionAt the product levelQifu Technology product team,together with the risk control anti-fraud team and the information security team,has estab-lished anti-fraud

243、 strategies covering the whole scene,covering anti-fraud remian-der anouncements,anti-fraud pop-up reminders,early warning of fraud-related blocking,etc.,and set up an anti-fraud zone in a safe classroom for the majority of users to learn independently.In terms of technologyQifu Technology has built

244、 Argus risk control system,mountain and sea security situation awareness system,intelligent intelligence system and risk early warning API,and established a smart and manual anti-fraud dissua-sion team and Qifu Technology fraud blacklist system.customer experiencetimes120,000Number of user servicesi

245、n 2024times138,263Number of AI anti-fraudreminders achieved in 2024times119,106Number of anti-fraud blocking warnings related to fraud in 2024people29,744Number of potential fraud victims dissuaded in 2024million yuan284Amount of user losses avoided in 2024person-times250,000Cumulative number of vie

246、wsof campaign promotion more thanQifu Technology has continuously strengthened its technical exploration in the field of privacy protection during its years of operation,taking the lead in introducing and applying a number of technologies in the industry to protect customers privacy by intelligent m

247、eans.We strictly abide by indus-try-related laws,regulations and regulatory policies,such as the new Civil Code of the Peoples Republic of China and the Personal Information Protection Law of the Peoples Republic of China.We newly launched the IOU Consumer Rights Protection Center to safeguard consu

248、mers rights and interests.It served users 120,000 times throughout the year.We also shared the relevant achievements at industry symposiums and received high recognition from regulatory authorities.In 2024,Qifu Technology issued 138,263 AI anti-fraud reminders,provided 119,106 warnings to block pote

249、ntial frauds,dissuaded 29,744 potential victims from being scammed throughout the year,and helped users avoid losses amounting to 284,492,900 yuan.In addition,we make full use of official publicity accounts to make online voices through multiple channels and platforms to enhance the intensity and br

250、eadth of education.During the event,a poster with the theme of Finance for the People,Writing a New Chapter;Safeguarding Rights and Preventing Risks was put on the APP,and a knowledge map of the monthly special issue of the event was designed,produced and published,with a cumulative number of views

251、exceeding 250,000,effectively using social platforms to expand the influence and audience of financial education.Environmental,Social and Governance Report 2024Win-win cooperationcase/6059+people800Anti-fraud knowledge education for teachers and studentsIn order to improve the publics financial lite

252、racy and risk prevention ability and create a harmonious and healthy financial environment,on September 1,2024,the General Administration of Financial Supervision,the Peoples Bank of China and the China Securities Regulatory Commission jointly launched the Financial Education Publicity Month in 2024

253、.As the first application project of China Internet Finance Associations Consumer Protection Wisdom Spreads Far and Wide,Qifu Technology,together with Yichuan Road Street in Putuo District and Yichuan Xincun Police Station,went to Shanghai Luochuan School to carry out campus activities,providing a u

254、nique anti-fraud knowledge edu-cation for more than 800 teachers and students in the school,enhancing teenagers awareness of financial safety,and guiding them to establish rational consump-tion concepts and stay away from illegal financial activi-ties.This activity was reported as a typical anti-fra

255、ud case by WeChat official account,the official WeChat of Putuo Education and Publicity Month on the Protection ofFinancial Consumers Rights and Intereststhe first application project of China Internet Finance Associations Consumer Protection Wisdom Spreads Far and WidecaseOn November 6th,2024,under

256、 the guidance of Fujian Provincial Local Finance Administration,sponsored by Fujian Provincial Local Finance Association,and undertaken by Qifu Technology,Finance for the People,Writing a New Chapter;Safeguarding Rights and Preventing Risks in Fujian Province in 2024-a publicity campaign to protect

257、their rights and interests was held in Fuzhou.By creating an interest-ing peace of mind market for finan-cial consumer protection,we will effec-tively send financial knowledge close to Launch the Consumer Protection Activity:Finance for the People,Writing a New Chapter;Safeguarding Rights and Preven

258、ting RiskscaseOn April 10,2024,Qifu Technology joined a public-welfare bazaar in Changshoulu Sub-district,Putuo,Shanghai.Organized by the sub-district with the Shanghai Voluntary Service Foundation and local units,it used gashapon games and quizzes.It taught community folks about financial consumer

259、rights,telecom fraud,credit reports,account securi-ty,and anti-money laundering.By Qifu Technology enters the community to carry out consumer protection public servicesharing real cases,it warned of risks and urged building a network security shield.the needs of the masses to the public through vari

260、ous forms of education and publicity such as financial consumer protection knowledge sharing,case display and interactive learning,and solidly promote consumer protection work.District,and WeChat official account,the official WeChat of China Internet Finance Association.Environmental,Social and Gove

261、rnance Report 2024Win-win cooperation/6261Supplier managementhe company attaches great importance to the management of supply chain,and internally establishes the Procure-ment Management System of Qifu Technology.Under the principle of fairness,fairness and openness,it defines the standardized and s

262、tandardized procurement procedures and requirements for supplier management,including but not limited to standardizing supplier source and qualification review,supplier evaluation/inquiry,supplier mainte-nance and elimination.In 2024,the company strategically set up a purchasing department,and began

263、 to build a business framework to promote the companys business procurement needs by centralized procurement.Not only has the procurement system been released and publicized,but also the procurement system has been deployed and launched,which has realized the systematic management of suppliers and l

264、aid a solid foundation for the follow-up work.By implement-ing the standards and policies of sustainable procurement and integrating these standards into the specific process-es of supplier selection and supply chain management,we can not only realize the comprehensive consideration of environment,s

265、ociety and governance in procurement activities,but also significantly improve the ESG management level of enterprises,thus enhancing their market competitiveness and sustainable development ability.Integrate supplier library managementProcurement Strategy&Efficien-cy Framework The procurement syste

266、m is released,and the procurement process is electronic According to the system,it is necessary to collect and sepa-rate,and isolate the procurement risk The procurement system goes online with supplier information under lifecycle management Improve efficiency and shorten procurement cycle Key suppl

267、ier info and cooperation data are centrally stored to prevent artificial loss Risk identification,performance evaluation,dynamic management The e-procurement process,with high transparency,promotes procurement fairness and thwarts corruption Centralized procurement:streamline management,assess price

268、 fairness Procurement synergy:business depts focus on core,up efficiency.Centralized procurement pools demands,strengthens bargaining,standardizes value-added services Source widely,pick top suppliers,expand base,cut dependency Up efficiency,shorten cycles,select via fair competitionSunshine procure

269、mentImprove supplier qualityDefense against moral hazardReduce dependence,enhance operationalindependenceEase business dept procurementMulti-channel sourcing,top-supplierselectionFull-process supportIn 2024,we set up a comprehensive procurement strategy and efficiency improvement framework:In 2024,t

270、he number of cooperative suppliers in the user growth department of Qifu Technology reached 139,and the proportion of suppliers in China reached 100%.Qifu Technology established a long-term and mutually beneficial cooperative relationship with suppliers providing high-quality services,and supported

271、the coor-dinated and healthy development of multi-regional suppliers through rich business matrix,reasonable and effective business policies and rapid response mechanism.At present,suppliers in North China,East China and South China account for 31%,30%and 29%respectively.30%10%31%29%OthersSouth Chin

272、aEast ChinaNorth ChinaPurchase demand confirmationand demand seekingFollow-up orders,reconciliation,payment and supplier assessment(only assessment items will be followed for continuous business procurement)Purchase order placing/constract signingSupplier interview,On-site inspection and shortlistin

273、gBidding(needs to completebidding documents,grading standards,answering documents,on-site bid presentation and negotiation)Purchasingprocessadapted tobusinessneedsEnvironmental,Social and Governance Report 2024Win-win cooperationCase/6463Industry win-win situationQifu Technology is well aware of the

274、 value and promotion brought by sharing,and is actively committed to promoting the coordinated development of the industry and a win-win situation for all parties.On the one hand,we maintain an ecological thinking and an open mind,and fully cooperate with our partners to form a win-win situation in

275、technology and business;On the other hand,based on science and technology,we increase investment in basic research and applied research,practice the role of the head company of science and technology,constantly broaden the boundar-ies of technology and promote the progress of the entire financial te

276、chnology industry.To this end,we led the drafting of the Guidelines for the Implementation of Financial Data Security Governance to provide authoritative guidance for financial data security governance;Share unique insights at industry conferences and talk about new trends in the industry;Undertakin

277、g industry competitions to promote the deep integration of technological innovation and business applications.caseOn October 25,2024,the National Internet Finance Association of China held a financial data security event in Beijing.It released 4 standards,including the Implementation Guide for Finan

278、cial Data Security Governance.Guided by the association,Qifu Technology,as the main drafter,worked with multiple financial and tech entities on this guide.Covering key areas like data classification,risk management,and security systems,it offers a comprehen-sive basis for financial data security gov

279、ernance.Qifu Technology led the drafting of the Implementation Guide for Financial Data Security Governance.On December 5,2024,the academic exchange activity Insights into the Development Trends of Fintech in 2025,jointly hosted by the Beijing Institute of Financial Informatiza-tion and the Beijing

280、Fintech Industry Alliance,was successfully held.Zhou Xuqiang,Presi-dent of Qifu Shuke,a digital credit solution service provider under Qifu Technology,served as an invited guest.Keeping up with the cutting-edge trends of the industry,he shared unique insights and practical experiences centered aroun

281、d the core topic of How Data Drives Innovation in Digital Financial Services.Zhou Xuqiang pointed out that small and medium-sized financial institutions are facing the challenge of scarcity and imbalance of data samples in digital transformation.In order to break this dilemma,it is particularly urge

282、nt to build and share technologies and secure data circulation channels.In terms of technology sharing,Qifu Digital Branch selects the risk control model and digital operation strategy with good performance and stability developed by tens of millions of self-operated business users to export banking

283、 financial institutions.In terms of data circulation,Qifu Digital has successfully explored a privacy computing framework through horizontal federated learning,and realized sample aggregation,data security sharing and federated model training technology across financial institutions and data centres

284、.This innovative practice can effectively address the issues of insufficient data samples and uneven coverage in model develop-ment for small and medium-sized financial institutions,while ensuring data security and non-transfer.It provides a new path for the security and innovation of digital financ

285、e.Empowering Finance with Data and Talking about New Trends in the IndustryEnvironmental,Social and Governance Report 2024Win-win cooperationcaseOn December 5,2024,the Digital Financial Security Innovation and Practice Competition jointly sponsored by Beijing Xicheng District Federation of Trade Uni

286、ons,Beijing Institute of Financial Informatization and Beijing Financial Technology Industry Alliance was officially launched.This competition aims to explore and display innovative technologies and practi-cal achievements in the field of digital financial security,promote the deep integration of te

287、chnological innovation and business applications,and improve the overall security level of digital finance.With the theme of leading the innovation of risk control technology and strengthening the security of digital finance,this competition has set up three tracks:finan-cial network security protec

288、tion,financial data security protection and financial intelligent risk control,which are open to financial institutions,technology enterprises,universities and research institutes with independent legal personality.As the main organizer,Qifu Technolo-gy will undertake the whole guarantee and service

289、 work of the contest.Qifu Technology undertakes the Digital Finance Security Innovation and Practice CompetitionWu Haisheng,CEO of Qifu Technology,said that the security of digital tech-nology is related to national security and public interests.How to effectively combine financial services with dig

290、ital technology,how to improve financial efficiency and ensure financial security is a required question faced by Chinas digital finance field.It is believed that through this way,more finan-cial institutions,scientific and technological enterprises,universities and research institutes can be stimul

291、ated to explore and enhance the innovative ability of digital finance.Public welfare for goodAs a responsible enterprise,Qifu Technology always adheres to the concept of giving back to the society,actively participates in various public welfare undertakings,and interprets the social value of the ent

292、erprise with practical actions.Whether it is to help rural revitalization,inject vitality into the development of remote areas,or pay attention to childrens growth and strive to create equal opportunities for education and growth for the disadvantaged groups,Qifu Technology has gone all out to light

293、 the light of hope with love and resources,contribute its own strength to the beautiful development of society,and write a public welfare chapter that warms peoples hearts./6665Environmental,Social and Governance Report 2024Win-win cooperation/6867Environmental,Social and Governance Report 2024Win-w

294、in cooperationcasecaseAt the end of April 2024,Qifu Technology once again given a helping hand to Luquan County,Yunnan Province,and donated 1 million yuan to support the local rural revitaliza-tion.This is another good deed of the company after the million donation in 2022,which shows Qifu Technolog

295、ys continuous commitment to social responsibility and long-term support for the development of the western region.Luquan County,as the back garden of Kunming,not only attracts tourists with its magnifi-cent natural scenery such as sedan-chair snow-capped mountains,but also becomes a hot spot for rur

296、al revitalization with its abundant agricultural resources and profound cultural heritage.The donation of Qifu Science and Technology has played an important role in supporting local characteristic industries,training talents,infrastructure construction and other fields,laying a solid foundation for

297、 rural revitalization in Luquan County.In addition,Qifu Technology has joined hands with rural notes to create a rural assistance plan to provide all-round support for local characteristic industries through the new model of Internet plus helping agriculture.With the help of the power of the Interne

298、t,the plan will push rural specialty products to a broader market,so that more people can understand and buy these high-quality products.At the same time,Qifu Technology also actively provides financial support and entrepreneurial guidance for rural entrepreneurs to help them realize their entrepren

299、eurial dreams and promote the diversified development of rural economy.Helping rural revitalizationOn December 23,2024,under the guidance of Fuqing Financial and Listing Service Centre,Qifu Technology and Fuqing Social Welfare Centre jointly launched the charity activity of True Emotions,Walking Tog

300、ether in Winter,leading the children of Fuqing Social Welfare Centre to step out of the familiar environment,throw themselves into the embrace of pasto-ral ecology,and feel,touch and understand the colourful world.Most children in Fuqing Social Welfare Centre have different degrees of physical defec

301、ts,and most of the time they rely on special personnel to accompany them.Some children who cant get around also like to travel.The purpose of this activity is to create a more favour-able environment for orphans and disabled children to grow up.Rich experience items such as picking carambola,feeding

302、 cute pets,picking eggs,cutting pitaya,DIY tree cards,and sitting on the red oil barrels are carefully set up,so that these children can go into nature to feel the birds and flowers,and enjoy running and laughing in the free world,just like ordinary children.True Emotions,Walking Together in Winter

303、charity activity案例案例/7069On June 22nd,2024,the second phase of programming learning of Sunshine Stars and Vulnerable Childrens Assistance Program jointly sponsored by Qifu Technology and Shanghai non-profit organization Paving Stone Youth Development Centre came to an end.Thirty-five accompanying ch

304、ildren came to Shanghai Employment Service Centre for the Disabled,listened to inspirational stories of disabled people getting out of trouble through experiencing unique science and technology projects,and completed a three-month programming course with a total of 12 lessons.The Sunshine Stars Help

305、ing the Disadvantaged Children Program was launched in September 2023.Qifu Technology exported a volunteer team of software development engineers as science and technology lecturers to provide free programming knowledge enlightenment and digital literacy courses for the children who moved in.Up to n

306、ow,the program has provided more than 20 programming courses for more than 60 children,aiming to help migrant children in cities receive science and technology education together with urban children and bridge the digital divide.Helping rural revitalizationOn December 23,2024,under the guidance of F

307、uqing Financial and Listing Service Centre,Qifu Technology and Fuqing Social Welfare Centre jointly launched the charity activity of True Emotions,Walking Together in Winter,leading the children of Fuqing Social Welfare Centre to step out of the familiar environment,throw themselves into the embrace

308、 of pasto-ral ecology,and feel,touch and understand the colourful world.Most children in Fuqing Social Welfare Centre have different degrees of physical defects,and most of the time they rely on special personnel to accompany them.Some children who cant get around also like to travel.The purpose of

309、this activity is to create a more favour-able environment for orphans and disabled children to grow up.Rich experience items such as picking carambola,feeding cute pets,picking eggs,cutting pitaya,DIY tree cards,and sitting on the red oil barrels are carefully set up,so that these children can go in

310、to nature to feel the birds and flowers,and enjoy running and laughing in the free world,just like ordinary children.True Emotions,Walking Together in Winter charity activityOn June 22nd,2024,the second phase of programming learning of Sunshine Stars and Vulnerable Childrens Assistance Program joint

311、ly sponsored by Qifu Technology and Shang-hai non-profit organization Paving Stone Youth Development Centre came to an end.Thirty-five accompanying children came to Shanghai Employment Service Centre for the Disabled,listened to inspirational stories of disabled people getting out of trouble through

312、 experiencing unique science and technology projects,and completed a three-month programming course with a total of 12 lessons.The Sunshine Stars Helping the Disadvantaged Children Program was launched in Septem-ber 2023.Qifu Technology exported a volunteer team of software development engineers as

313、science and technology lecturers to provide free programming knowledge enlightenment and digital literacy courses for the children who moved in.Up to now,the program has provided more than 20 programming courses for more than 60 children,aiming to help migrant children in cities receive science and

314、technology education together with urban children and bridge the digital divide.Sunshine Stars Childrens Aid Program60sessions20Number of children who moved with their parents participating Overpeople Number of programming courses provided OvercaseIn May 2024,Hope House in Pudong New Area,Shanghai l

315、aunched the activ-ity of Embracing the Spring Breeze and Traveling Together,Qifu Technology,as a corporate volunteer of the event,provided convenient services for the disabled peoples travel activities,actively took photos and recorded wonderful moments.As the head enter-prise in the financial techn

316、ology indus-Embracing the Spring Breeze and Traveling Together Public Welfare Project for Helping the DisabledOn April 18,2024,Qifu Technology held a public-welfare live-streaming for helping rural areas during the Grain Rain.In the live-streaming,traditional Grain Rain customs like walking during G

317、rain Rain and sacri-ficing to the sea were introduced in detail.Easy-to-understand health-preserving knowledge about strengthening the spleen,dispelling dampness,and nourish-ing the liver during Grain Rain was also popularized.Interactive sessions such as Q&A and lucky draws were set up.Many lucky v

318、iewers won rural specialties from various places,promoting agricultural product sales,effectively increasing farmers income,and truly driving rural revitalization.live broadcast of public welfare activities to help farmerstry,Qifu Technology is committed to exploring a new model of helping the disab

319、led in internet,helping more disabled people to give full play to their talents and create greater social value through corporate donations and building a public welfare platform.Environmental,Social and Governance Report 2024Win-win cooperationcasePeople-oriented06Qifu Technology pays attention to

320、the training,motivation and development of employees,actively implements relevant policies to attract and retain talents,and creates a good working environment and development opportunities for employees to enhance their work experience.2024环境、社会及管治（ESG）报告We believe that employees are the core asset

321、s of the companys sustainable development and success.As a technolo-gy-driven company,we are committed to providing broad development space for more outstanding talents.Qifu Technology has formulated the Employee Manual and Social Recruitment Process Specification within the enterprise,and formulate

322、d scientific employment,training and health and safety standards,aiming at ensuring the health and safety of employees and creating a friendly and harmonious employment relationship,and establishing a talent team that meets the companys cultural and strategic requirements.Based on our entrepreneuria

323、l and development experi-ence,we have summed up Qifu Technologys unique talent concept:self-driven,able to get results,realistic,positive energy and open mind.Focusing on this talent view,we pay attention to the training,motivation and development of employees,actively implement relevant policies to

324、 attract and retain talents,create a good working environment and development opportunities for employees,and enhance their work experience.By December 31st,2024,the total number of employees in the company was 3,527,of which 59%were male employ-ees and 41%were female employees.There are 3,521 full-

325、time employees,accounting for 99.8%of the companys employees.In addition,the company pays attention to building a young and high-quality team,with employees under the age of 30 accounting for about 43%.They dare to innovate and break through,adding vitality to the company.People-oriented Diversified

326、 salary and welfare systemAt the level of employee compensation,Qifu Technology adheres to the salary concept of comprehensive compensa-tion,recognizes the value and contribution of employees from multiple dimensions,organically combines various incentives,establishes a positive interactive relation

327、ship between organizations and employees,and helps employ-ees and enterprises develop together.Qifu Technology has formulated the Salary Management System within the enterprise,with a view to building a perfect employee salary system and creating a fair,just,transparent and scientific salary perform

328、ance system.Our salary system is diversified.The salary composition of employees in the company mainly includes:fixed salary,floating salary,allowance,overtime pay,etc.Among them,floating salary is linked to the performance of the compa-ny and individuals,which promotes employees attention to the de

329、velopment and operation of the company,cultivates employees sense of ownership,stimulates employees enthusiasm for work,and promotes organizational efficiency.In addition to the regular salary,we also designed various short-term and long-term incentives,and through periodic salary review,under the p

330、rinciple of distribution according to work,combined with employee perfor-mance appraisal,we carried out scientific salary management,and followed the salary distribution concept of pay by post,pay by ability and pay by performance according to market conditions,encouraging employees to continu-ously

331、 improve their personal abilities and develop and grow together with the company.We regularly investigate the salary in the external market to ensure that the salary of employees is fair internally and competitive externally,and to ensure that employees get reasonable returns.In addition,in addition

332、 to paying employees social insurance in full according to law,the company also provides supplementary medical insurance,holiday gift benefits and wedding and funeral birthday gift benefits to improve employee well-being./74731,462Female2,065Male6Part-time3,521Full-time154Middle Management16Senior M

333、anagement3,357General Staff1,5253010501,99231-49GenderEmployment StatusEmployment TypeAgeEnvironmental,Social and Governance Report 2024People-oriented/7675In terms of employee welfare,Qifu Technology has formulated the Management Measures for Employee Care within the enterprise to effectively implement employee care.We provide personal benefits and cash care to employees in terms of marriage,chil