近10年，随着金融科技在金融领域的广泛应用，新的金融产品和服务业态也层出不穷，金融产业链各参与方对其服务体系的全流程改造更加重视，在产品服务、业务流程、管理模式以及用户体验等方面开展变革。消费信贷业务在这样的背景下出现爆发式增长，相应的信贷类不良资产规模也迅速变大，但行业对于信贷不良资产的处置能力严重不足。在需求侧，市场中存在大量的信贷不良资产处置需求;在供给侧，由于信贷类业务小额分散的特点，催收处置难度大、复杂度高，处置机构 生存困难;在连接侧，国家出台了信贷资产转让等政策支持，也提出了个人信息保 护等方面的多项法规要求，如何在合法合规的前提下，健康发展信贷不良处置业务， 是行业发展亟需解决的问题。本文通过对信贷不良资产处置行业的分析，找出行业中存在的痛点问题，结合金融科技发展的背景，论证通过金融科技应用与模式创新解决行业痛点问题的可能。结合对各项技术在信贷不良资产处置业务中应用的介绍，进一步阐明了管理合规与效率提升相关问题的解决方法，最终通过科技创新实现对行业健康发展的促 进作用，满足金融市场对信贷不良资产的处置需求。A公司作为一家从事不良资产处置业务的企业，在其业务的实际经营过程中遇到了处置效率低、处置成本高和管理能力弱等多种困境。2021年底开始，A公司凭借其科技能力优势，自主研发了信贷不良资产处置平台，用系统自动化流程和数据模型决策来解决信贷不良资产小额分散且案件量大的难题，通过云计算、大数据、人工智能、区块链等技术在业 务中的创新应用，实现企业处置效益的最大化和管理的规范化。到2022 年底，其业务关键指标实现了行业的领先。本文以 A公司背景和实际经营数据作为支撑，结合 PEST模型和SWOT框架对A公司在信贷不良资产处置行业中的竞争与定位进行了分析，通过U 型思考深入挖掘企业要解决的关键问题并制定行动计划，通过科技能力建设和业务模式创新打造其核心竞争力，实现了业务经营的规范化管理和经济效益的显著提升。希望通过本文研究成果，将A公司案例作为参考，为我国信贷不良资产处置业务的发展贡献一份力量，对产业中的相关企业在科技赋能与模式创新方面有一定的借鉴意义。

In the past 10 years, with the widespread application of financial technology in the financial field, new financial products and service formats have emerged one after another. All parties in the financial industry chain attach more importance to the full-process transformation of their service systems, and carry out changes in product services, business processes, management models, and user experience. In such a context, consumer credit business has exploded in growth, and the corresponding non-performing loan asset size has rapidly increased. However, the industry‘s ability to dispose of non-performing loan assets is seriously inadequate. On the demand side, there is a large amount of demand for the disposal of non-performing loan assets in the market. On the supply side, due to the characteristics of small and scattered credit business, the difficulty and complexity of collection and disposal are high, and the survival of disposal institutions is difficult. On the connection side, the state has issued policies to support the transfer of credit assets, and has also proposed multiple regulatory requirements such as personal information protection. How to achieve healthy development of non-performing loan disposal business on the premise of legality and compliance is an issue that the industry urgently needs to solve.This article analyzes the pain points in the non-performing loan asset disposal industry, and demonstrates the possibility of solving industry pain points through the application of financial technology and innovative models, combined with the background of financial technology development. Combined with the introduction of various technologies applied in non-performing loan asset disposal business, it further elaborates on the solutions to compliance management and efficiency improvement related issues, and ultimately promotes the healthy development of the industry through technological innovation, meeting the market demand for the disposal of non-performing loan assets. A Company, as an enterprise engaged in non-performing asset disposal business, has encountered many difficulties in its actual business operations, such as low disposal efficiency, high disposal costs, and weak management capabilities. Starting from the end of 2021, relying on its technological capabilities, A Company independently developed a non-performing loan asset disposal platform, using system automation processes and data model decision-making to solve the problem of small and scattered non-performing loan assets and large case volumes. Through innovative application of technologies such as cloud computing, big data, artificial intelligence, and blockchain in business, the company has achieved maximization of disposal benefits and standardization of management. By the end of 2022, its key business indicators have achieved industry-leading performance.Based on A Company‘s background and actual operating data, this article analyzes A Company‘s competition and positioning in the non-performing loan asset disposal industry through the PEST model and SWOT framework. Through U-shaped thinking, it explores the key issues that the company needs to solve and formulates an action plan. By building technological capabilities and innovating business models, the company has created its core competitiveness and achieved standardized management of business operations and significant economic benefits. It is hoped that through the research results of this article, A Company‘s case can serve as a reference, contribute to the development of China‘s non-performing loan asset disposal business, and have some reference significance for related enterprises in the industry in terms of technological empowerment and model innovation.