受合规事件影响，嘉银科技股价近7天呈现波动下行趋势。根据内部数据库，2026年2月9日至13日，股 价从6.55美元跌至6.23美元，区间跌幅1.58%，振幅达9.48%。其中，2月10日单日下跌2.60%，2月13日 最新收盘价为6.23美元，当日下跌0.48%。近5日累计跌幅为1.58%，成交相对清淡，反映市场情绪谨 慎。 财报分析 经济观察网 近期，嘉银科技因合规风波持续受到市场关注。2026年2月，旗下助贷平台"你我贷"与"极 融"被指在2025年助贷新规实施后仍存在高额服务费问题，综合年化利率远超监管要求的24%上限，引 发大量用户投诉。黑猫投诉 【下载黑猫投诉客户端】平台累计相关投诉近10万条，破浪资本分析指出 公司通过关联方转移费用、隐性收费等操作规避监管，可能加剧监管压力并对业务可持续性构成挑战。 股票近期走势 机构观点 破浪资本于2026年2月12日发布分析指出，嘉银科技盈利模式建立在合规灰色地带，虽财务数据亮眼， 但业务资质存在短板（如小贷公司注册资本仅1.5亿元，低于监管门槛）。报告认为，监管趋严下公司 转型效果尚未显现，股价自2025年10月新规落地后已近腰斩，多家机构此前下调评级，核 ...

Core Viewpoint - The lending platforms "Niwo Dai" and "Jirong" under Jia Yin Technology are facing significant regulatory scrutiny due to high service fees and annualized interest rates exceeding the regulatory cap of 24%, leading to numerous user complaints [1] Group 1: Stock Performance - Jia Yin Technology's stock has shown a downward trend due to compliance issues, with a price drop from $6.55 to $6.26 between February 9 and February 12, 2026, reflecting a decline of 1.11% and a volatility of 9.48% [2] - The stock experienced a single-day drop of 2.60% on February 10 and further declined by 1.11% on February 12, indicating cautious market sentiment [2] - Despite a recent 5-day cumulative increase of 3.64%, the stock has faced a 20-day decline of 7.12%, suggesting ongoing medium to long-term pressures [2] Group 2: Financial Report Analysis - In Q3 2025, Jia Yin Technology reported revenue of $1.47 billion and a loan facilitation volume of 32.2 billion yuan, with a net profit growth of 39.7% year-on-year [3] - The company's high growth is heavily reliant on marketing expenditures, which accounted for 37.7% of revenue in Q2 2025, raising concerns about asset quality as the overdue rate beyond 180 days increased to 2.39% by the end of 2024 [3] - The potential implementation of strict lending regulations could pose risks to the company's high-fee model and profit margins [3] Group 3: Institutional Perspectives - An analysis by Bolang Capital on February 12, 2026, highlighted that Jia Yin Technology's profit model operates in a regulatory gray area, with financial data appearing strong but underlying business qualifications being weak, such as a registered capital of only 150 million yuan, below regulatory thresholds [4] - The report criticized the company's "self-guarantee" mechanism as ineffective and noted that the impact of stricter regulations on the company's transformation has yet to be seen [4] - Since the new regulations were implemented in October 2025, the stock price has nearly halved, with multiple institutions downgrading their ratings due to increased operational uncertainty stemming from compliance issues [4]

近7天（2026年2月5日至11日），嘉银科技股价呈现波动下行趋势。2月5日股价大跌6.21%至6.04美元， 2月6日反弹4.80%至6.33美元，2月9日上涨3.48%至6.55美元，但2月10日和11日分别下跌2.60%和 1.72%，最新报6.27美元。5日累计跌幅为2.64%，区间振幅达12.73%，成交相对清淡。 以上内容基于公开资料整理，不构成投资建议。 经济观察网 根据九州商业观察2026年2月11日的报道，嘉银科技旗下助贷平台你我贷与极融被指在助贷 新规实施后仍存在高额服务费问题，综合年化利率远超监管要求的24%上限，引发大量投诉。报道称， 2025年前三季度公司营业总收入51.32亿元，净利润14.35亿元，但通过关联方收取服务费可能规避监 管，逾期率为1.33%（2025年三季度数据）。 股票近期走势 ...