Better Health for All

The company's core products and services, which are financial technology platforms, have no direct positive or negative health impact, resulting in a neutral score for health_impact_core. For safety_record, the company reported a counterfeit and account loss occurrence rate of less than 0.001 basis points in 2023, which is less than 1 adverse event per million users, mapping to a score of 30.

The company's financial services, while aiming to reduce financing thresholds and costs for micro-enterprises, do not directly relate to health products or services, leading to a neutral score for price_accessibility. Similarly, programs assisting farmers and micro-enterprises, or supporting disabled children, are not directly health-related services for vulnerable populations, resulting in a neutral score for vulnerable_reach. The company's risk control systems and compliance department are for financial and operational risks, not health risks, leading to a neutral score for risk_transparency. The company provides comprehensive health check-up benefits for all employees, including annual physical examinations and professional physician interpretations, which is a preventative health measure for its workforce. It also offers emotional counseling services and specialized training courses on "Workplace Stress Response and Emotional Management" for employees, indicating substantial mental health support. The company established a strict data control system with measures like data encryption, a special data security task force, and various data governance systems, including a trustworthy data platform with digital watermarking and dynamic desensitization, achieving industry-leading data protection. During the Gansu earthquake, the company implemented relief measures such as interest fee waivers and credit maintenance, establishing a green channel for affected users, which is a structured crisis response. The company conducts financial education and propaganda, including a "Consumer Rights Protection" section that reached 210,000 users, providing accurate information.

Honest & Fair Business

The company's reported profits are alleged to be overstated by over 1,000 times in 2022 and 2023 compared to SAIC filings.

The article alleges Qifu Technology is falsifying SEC financials, engaging in self-dealing, and violating Chinese lending regulations. Qifu Technology guaranteed loans worth over 5 billion RMB for a related party. Insider stock sales have surpassed $230 million since 2020. Loan interest rates are reported to be significantly higher than the legal limit, with examples including 22.6% APR in a Hong Kong prospectus and annualized rates of 186% and 30.8-30.9% cited in complaints. The article suggests imminent regulatory action in China. Discrepancies in employee counts between Qifu Technology and a related party were noted, alongside a lack of transparency regarding off-balance sheet loans and related party transactions.

Kind to Animals

Qifu Technology, Inc. operates as a credit-tech platform, providing loan products and services.

The company's business model does not involve animal-derived products, animal testing, animal husbandry, or activities that directly impact wildlife habitats. Therefore, all KPIs related to animal welfare, such as cruelty-free certifications, alternative testing, humane operations, ethical sourcing, and animal agriculture ethics, are not applicable to its core operations. The provided articles, including the 2024 ESG report, contain no quantitative or qualitative data relevant to animal welfare practices.

No War, No Weapons

No specific, concrete evidence was found in the provided articles to assess Qifu Technology, Inc. against any of the KPIs for the 'No War, No Weapons' ethical value. The company's core business as a credit-tech platform in China, facilitating loans and offering services like credit risk assessment and fraud detection, does not inherently involve activities related to arms, defense, or conflict.

While one article mentions its sister company, Qihoo 360, is on the US DoD Chinese Military Company list, this information does not directly pertain to Qifu Technology, Inc. itself or any of the specific KPIs.

Planet-Friendly Business

Qifu Technology reported total Scope 1 and 2 greenhouse gas emissions of 1,701.13 tons of CO2 equivalent for 2024, an increase from 1,397.96 tons in 2023.

As a financial enterprise, the company states it has low energy consumption and minimal pollution, and does not involve industrial wastewater, exhaust gases, air pollutants, or the consumption of packaging materials. The company reported zero violations of environmental protection laws or regulations during both the 2023 and 2024 reporting periods. Qifu Technology responds to China's commitment of carbon neutrality in 2060, which is its stated net-zero target year. The company also assisted financial institutions in lending 19.16 billion yuan to 242,000 environmental protection enterprises and issued 31.86 billion yuan in loans for new energy vehicle owners, serving 191,000 owners in 2024.

Respect for Cultures & Communities

The company established 10 formal partnership agreements in 2023 with various organizations, including Duocun Notes, Paving Stone Youth Public Welfare Organization, three Fuqing City entities, Huawei Terminal Cloud Services, JD Supply Chain Financial Technology, 360 Brain, Jinchang Public Welfare Service Center, and Shanghai Disabled Employment Service Center.

The company provided over 50 million RMB in funding support to 300,000 micro-businesses and 5 million micro-enterprises, and assisted financial institutions in lending 162.1 billion to MSEs, 22.14 billion to agriculture-related sectors, 16.05 billion to environmental industry enterprises, and 25.96 billion for new energy vehicle owner loans. However, the percentage of revenue reinvested in local community development is not specified. All cooperative suppliers in the User Growth Department were Chinese suppliers in 2023. The company has established reporting channels for employees, including an ethics committee email and an anonymous suggestion box, but no specific community-focused grievance mechanisms are detailed. The first-time resolution rate for user issues was 87.8% in 2023, but the average time to resolve community complaints is not tracked. The company donated 55 electronic devices and mobile phones to the Jinchang Public Welfare Service Center and funded cochlear implant surgery for children, but the percentage of non-core revenue distributed to community development funds is not provided.

Safe & Smart Tech

Qifu Technology has received ISO 27701 (Privacy Information Management System) certification.

The company also details compliance with various Chinese laws and regulations, including those related to environmental protection, occupational health, and consumer protection, and has completed the interpretation of 16 new regulatory regulations.