嘉银科技旗下平台被指高息违规，股价近期波动下行

Group 1 - The core issue highlighted is that JY Technology's lending platforms, Niwo Dai and Jirong, are facing complaints regarding high service fees and annualized interest rates exceeding the regulatory cap of 24% after the implementation of new lending regulations [1] - For the first three quarters of 2025, the company reported total revenue of 5.132 billion yuan and a net profit of 1.435 billion yuan, with a delinquency rate of 1.33% as of the third quarter of 2025 [1] - There are concerns that the company may be circumventing regulations by charging service fees through related parties [1] Group 2 - Over the past week (February 5 to 11, 2026), JY Technology's stock price has shown a downward trend, with a significant drop of 6.21% on February 5 to $6.04, followed by a rebound of 4.80% to $6.33 on February 6 [2] - The stock experienced fluctuations, including a rise of 3.48% to $6.55 on February 9, but subsequently fell by 2.60% and 1.72% on February 10 and 11, respectively, closing at $6.27 [2] - The cumulative decline since February 5 is 2.64%, with a price range fluctuation of 12.73% and relatively low trading volume [2]