2025年6月30日，央广网曾报道，仅查额度就"被贷款"99900元，年化利率23.99%，多名用户投诉"强制下款"后遭遇机打签名、限制还款等套路。 这一报道一度引发市场震动。 近期，在多个平台上又出现了针对宜享花的"强制贷款"投诉。 又有用户投诉宜享花"强制贷款"。 除了强制贷款，宜享花还被投诉存在高利贷、收费不透明、暴力催收等行业突出现象。 争议不断的宜享花，是美股上市公司宜人智科（YRD）旗下核心助贷平台。近年来，助贷业务收入为宜人智科贡献了一半以上的收入。 投诉不断，且被央媒点名，宜享花为何依旧如此？业内认为，宜人智科收入结构失衡，公司高度依赖助贷业务。 01 再度遭遇"强制贷款"投诉 只是出于好奇查一下额度，就"被借款"了。宜享花再度被投诉。 "仅进行额度查询，从未主动申请借款、签署电子合同或进行人脸识别。此笔放款违反真实意愿"在啄木鸟投诉平台上，一名用户投诉称，2026年1 月4日晚，在宜享花上查看额度，发现没显示额度有多少，结果直接就放款了。在放款金额、还款周期、合同等一切本人都不知情的情况下就强行 放款。 这名投诉者提供的部分截图显示，投诉者建行银行卡到账4.18万元，到款时间为1月5日零时1 ...

BEIJING, Jan. 22, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading Fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and Southeast Asia, announced today that it has received the "Annual Digital Intelligence Innovative Application Award" under the "New Technology" category. The award was organized by Caijing New Media in conjunction with Analysys, the China Virtual Reality Technology and Innova ...

Core Viewpoint - Yiren Digital Ltd. celebrates its 10th anniversary of public listing on the NYSE, expressing optimism about future growth despite past challenges, including COVID-19 and economic downturns [1]. Group 1: Business Operations - The company aims to excel in the domestic loan facilitation market while continuing to innovate in the Internet insurance sector, which provides solid growth and cash flow for future expansion [2]. - Yiren Digital's international business is expanding rapidly, with plans to go beyond traditional financial services like loan facilitation and insurance, including entering blockchain finance, which is viewed as the future of financial services [3]. Group 2: Technological Advancements - AI technology is a significant focus for Yiren Digital, enhancing customer experiences and operational efficiency, with the company exploring innovative applications of AI [4]. - The company is committed to maintaining high compliance standards in its blockchain and crypto business, operating only in permitted countries and markets [3]. Group 3: Future Outlook - Yiren Digital is building a foundation to become a global leader in AI-powered and blockchain-enabled financial technology, leveraging advanced AI and emerging technologies to improve financial inclusion [5].

Core Viewpoint - Yiren Digital Ltd. has been recognized with the "Technology Innovation Leadership Award for Listed Companies" at the 2025 China Financial Annual Conference, highlighting its leadership in fintech and AI-driven digital transformation [1][3]. Company Achievements - Yiren Digital has evolved from a fintech company to a smart technology enterprise since its IPO in 2015, focusing on AI R&D and operational excellence [4]. - The company has been awarded for its continuous innovation and contribution to the financial industry, serving as a barometer for economic trends in China [3]. Technological Advancements - Yiren Digital's strategy includes significant investment in AI, with hundreds of millions of RMB allocated annually to R&D, leading to the development of its proprietary large AI model, "Zhiyu," which enhances operational capabilities [7]. - The company has launched the Magicube AI Agent Platform, which improves customer interactions and operational efficiency through advanced AI capabilities [8][11]. Future Outlook - Yiren Digital is committed to driving technological innovation and shaping the future of digital intelligence, with a focus on AI and its applications in the fintech ecosystem [9].

Group 1 - The article does not provide any specific content related to a company or industry [1]

Financial Data and Key Metrics Changes - Total revenue for the third quarter grew by 5.1% year over year to RMB 1.55 billion, primarily driven by a 70% increase in the financial services segment [13] - Net income for the third quarter was RMB 318 million, translating to RMB 3.65 per ADR share or $0.51 per ADR share, representing a 12% decline from the previous quarter [21][22] - The net margin slightly declined from 22% in the prior quarter to 20% [22] Business Line Data and Key Metrics Changes - In the financial services segment, loan origination reached RMB 20.2 billion, up 51% year over year, with repeat borrowers accounting for 77% of total loan volume [5][14] - The average size for new loans increased from RMB 7,000 to RMB 10,100, reflecting a shift towards higher credit quality customer segments [6][14] - The insurance brokerage segment reported gross return premium of RMB 1.15 billion, a 35% increase quarter over quarter, with revenue from the segment reaching RMB 84.2 million, up 45% from the prior quarter [10][17] Market Data and Key Metrics Changes - The total outstanding loan balance as of September 30, 2025, was RMB 34.2 billion, representing a 10% quarter-over-quarter growth [7] - The delinquency rates for loans increased, with the 1-30 day delinquency rate at 2.7%, while the 31-60 day and 61-90 day rates were 1.7% and 1.4%, respectively [8] Company Strategy and Development Direction - The company is focused on disciplined execution and positioning itself for the next generation of fintech through AI and blockchain technologies [4][11] - The agentic AI platform, MagicQ, is enhancing sales conversion and risk controls, contributing to overall productivity [5] - The company is exploring new ways to serve customers and manage assets through AI and blockchain-enabled solutions, including a partnership with ChainArk for crypto solutions [11] Management's Comments on Operating Environment and Future Outlook - Management noted a challenging operating environment due to heightened regulatory uncertainty and a cautious credit backdrop, but emphasized effective adjustments to risk posture [4] - The company anticipates continued volatility in the credit and regulatory risk environment but remains cautiously optimistic about future growth [22][23] - Revenue projections for the fourth quarter are expected to be in the range of RMB 1.4 billion to RMB 1.6 billion [23] Other Important Information - The company has successfully transformed its insurance business model to a digital, low customer acquisition cost approach, which is expected to enhance profitability [9][10] - The automation of collection processes has significantly reduced labor costs and improved service quality [8][9] Q&A Session Summary - The Q&A session was not conducted as the conference concluded without any questions being asked [24][25]

Financial Data and Key Metrics Changes - Total revenue for the third quarter grew by 5.1% year-over-year to RMB 1.55 billion, primarily driven by a 70% increase in the financial services segment [14][15] - Net income for the third quarter was RMB 318 million, translating to RMB 3.65 per ADR share or $0.51 per ADR share, representing a 12% decline from the previous quarter [21][22] - The net margin slightly decreased from 22% in the prior quarter to 20% [22] Business Line Data and Key Metrics Changes - In the financial services segment, loan origination reached RMB 20.2 billion, up 51% year-over-year, with repeat borrowers accounting for 77% of total loan volume [5][15] - The average size of new loans increased by 44% to RMB 10,100, reflecting a shift towards higher credit quality customer segments [6][15] - The insurance brokerage segment reported gross return premiums of RMB 1.15 billion, a 35% increase quarter-over-quarter, while revenue from this segment was RMB 84.2 million, up 45% from the prior quarter [11][18] Market Data and Key Metrics Changes - The total cumulative borrower base increased by 21% year-over-year to 14 million, despite a decrease in total borrowers by 11% to 1.3 million due to tighter credit policies [5] - The Internet insurance business delivered RMB 196 million in annualized premium, representing 204% quarter-over-quarter growth, with total customer numbers rising 93% quarter-over-quarter to 229,353 [11][18] Company Strategy and Development Direction - The company is focused on disciplined execution and positioning itself for the next generation of fintech through AI and blockchain technologies [4][12] - The agentic AI platform, Magicube, is enhancing process efficiency and driving productivity, which is crucial for offsetting margin pressures [5][12] - The company is exploring new ways to serve customers and manage assets through AI and blockchain-enabled solutions, including a partnership with ChainUp for crypto solutions [12] Management's Comments on Operating Environment and Future Outlook - Management noted a challenging operating environment due to heightened regulatory uncertainty and a cautious credit backdrop, but emphasized effective risk management and asset quality protection [4][22] - The company anticipates continued volatility in the credit and regulatory risk environment but remains cautiously optimistic about future growth, particularly in international and Internet insurance segments [22][23] Other Important Information - The company has been included in the whitelist of nearly 30 compliant funding partners under the new regulatory framework, enhancing its market position [8] - The average monthly labor cost savings from AI-driven collection capabilities increased to RMB 5 million, up from RMB 2.7 million in the previous quarter [10] Q&A Session Summary - No questions were recorded during the Q&A session as the conference concluded without any inquiries from analysts or participants [24][25]

Financial Data and Key Metrics Changes - Total revenue for the third quarter of 2025 grew by 5.1% year over year to RMB 1.55 billion, primarily driven by a 70% increase in the financial services segment [12][13] - Net income for the third quarter was RMB 318 million, translating to RMB 3.65 per ADR share or $0.51 per ADR share, representing a 12% decline from the previous quarter [20][21] - The net margin slightly decreased from 22% in the prior quarter to 20% [21] Business Line Data and Key Metrics Changes - In the financial services segment, loan origination reached RMB 20.2 billion, up 51% year over year, with repeat borrowers accounting for 77% of total loan volume [5][14] - The insurance brokerage business reported gross return premiums of RMB 1.15 billion, a 35% increase quarter over quarter, while revenue from the segment was RMB 84.2 million, up 45% from the prior quarter [10][17] - The Internet insurance business delivered RMB 196 million in annualized premium, representing 204% quarter over quarter growth, with total customer numbers rising 93% quarter over quarter to 229,353 [10][17] Market Data and Key Metrics Changes - The company facilitated RMB 20.2 billion in loan origination during the quarter, reflecting a strong market position despite tightening credit policies [5][14] - The average size for new loans increased from RMB 7,000 to RMB 10,100, indicating a shift towards higher credit quality customer segments [6][14] Company Strategy and Development Direction - The company is focused on disciplined execution and positioning itself for the next generation of fintech with AI and blockchain technologies [4][11] - Strategic investments are being made in technology capabilities to build next-generation fintech infrastructure and deepen partnerships with key industry players [11] Management's Comments on Operating Environment and Future Outlook - Management noted a more challenging operating environment due to heightened regulatory uncertainty and a cautious credit backdrop, but emphasized effective risk management and asset quality protection [4][21] - The company remains cautiously optimistic about future growth, projecting fourth-quarter revenue between RMB 1.4 billion and RMB 1.6 billion [22] Other Important Information - The company has been included in the whitelist of nearly 30 compliant funding partners under the new regulatory framework, enhancing its market position [7] - AI-driven collection capabilities have significantly reduced labor costs and improved service quality, contributing to operational efficiency [8][19] Q&A Session Summary - The Q&A session was not conducted as the conference concluded without any questions being asked [23]

Core Viewpoint - Yiren Zhike (YRD.US) continues to drive steady business development through AI technology, emphasizing compliance and risk management in its operations [1][2]. Financial Performance - In Q3 2025, Yiren Zhike facilitated transaction amounts of 20.2 billion yuan and had a loan balance of 34.2 billion yuan, serving 14.01 million borrowers and 126,500 small businesses [2]. - The insurance business achieved a premium of 1.15 billion yuan, with a focus on optimizing the business structure and leveraging AI for customer acquisition and underwriting [2]. AI Strategy and Technological Advancements - The company upgraded its AI strategy, evolving AI from a tool to a collaborator, with enhancements to its "Zhiyu" model and the 2.0 version of the Magic Cube AI platform [3]. - The upgraded "Zhiyu" model improves internal operations and enables multi-agent collaboration, while the Magic Cube AI platform enhances marketing, content creation, quality inspection, and code security [3]. Industry Engagement and Recognition - Yiren Zhike showcased its technological capabilities at major industry events, including the Hong Kong FinTech Week and the World Internet Conference, discussing AI applications in finance [4]. - The company received the "Annual Corporate Social Responsibility Award" for its performance in technology innovation and social responsibility, ranking in the top 10% globally in ESG ratings [8]. Corporate Social Responsibility - Yiren Zhike actively engages in social responsibility initiatives, including consumer rights protection and data security, and has launched several industry self-regulation initiatives [10].

Company Overview - Yiren Digital has 19 years of expertise in lending technology and is listed on the NYSE[11] - The company has a robust financial foundation supported by steady cash flow, a fast-growing internet insurance business, and a next-generation Fintech platform under development[11] - Yiren Digital utilizes a proprietary Agentic AI platform to boost employee productivity and service quality[11] - The company is expanding internationally in Southeast Asia, supported by technological expertise and local partnerships[11] Financial Performance - Loan facilitation reached RMB 202 billion, a 51% year-over-year increase[16] - Internet Insurance annualized premium reached RMB 196 million, a 204% quarter-over-quarter increase[16] - The company holds RMB 39 billion in cash and equivalents to support growth, M&A, and shareholder returns[16] - The dividend yield is 96% as of November 24th, 2025[16] - In Q3 2025, financial services revenue was RMB 14 billion, a 70% year-over-year increase[18] Risk Management and Customer Acquisition - 77% of loans in Q3 2025 were from repeat borrowers[17, 23] - The company focuses on premium borrowers, with 77% repeat borrowing in Q3 2025[17] - Delinquency rates remain manageable, with 1-30 days delinquent cases at 27%, 31-60 days at 17%, and 61-90 days at 14%[16]