海德股份(000567.SZ)：擬增資並控股數字技術公司、以科技賦能個貸不良業務
格隆匯8月9日丨海德股份(000567.SZ)公佈，海徳資管獲得資質後，根據《中國銀保監會辦公廳關於開展不良貸款轉讓試點工作的通知》(銀保監辦便函﹝2021﹞26號)的要求，制定了《個人不良貸款清收管理辦法》。經過對個貸不良業務的深入研究，公司關注到個貸不良市場孕育的巨大商業機會以及長期增長的發展趨勢，是困境資產行業的“新藍海”。結合個貸不良資產單筆金額小、户數多、個體差異大、債務人均為個人的特徵，公司擬藉助科技手段，利用大數據、人工智能等技術開展個貸不良業務，保證前端收購的精準估值和後端處置的高效回款。
經過對市場個貸不良處置機構的調研，公司瞭解到張天樂及其創始團隊實際控制的企業在個貸不良業務處置端具備一定市場競爭優勢，經雙方協商一致，近期張天樂及其創始團隊將其控制的16項軟件著作權及個貸不良業務相關資產注入新設立的西藏峻豐數字技術有限公司(“目標公司”)，並簽署了《關於西藏峻豐數字技術有限公司之增資認購協議》，公司以自有資金向目標公司增資人民幣5000萬元，增資後公司將持有目標公司51%股權併成為目標公司控股股東，目標公司成為公司合併報表範圍內的控股子公司。
此次增資並控股目標公司，有利於公司快速將業務從ToB延展至ToC端，依託目標公司科技、數據等優勢和海徳資管AMC牌照、資產管理處置等優勢，快速建立全鏈條、專業化、智能化的個貸不良業務優勢，迅速搶佔市場，將公司的個貸不良業務打造為行業標杆；有利於公司快速做大管理資產規模，增強資產管理能力，進一步增強核心競爭力，形成新的利潤增長點，提升長期盈利能力和可持續發展能力。
公司將秉承“科技賦能、科技提效、科技向善”的理念，聚焦個貸不良業務，利用自研的機器學習算法評估資產價值，通過先進的在線自動化系統批量開展資產處置，實現商業價值；同時，公司將積極踐行社會責任，在司法懲戒不誠信債務人的同時，通過多種方式幫助債務人走出債務困境、恢復信用、重塑人生。
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