Yiren Digital Ltd
ir.yiren.comWhat Do They Do?
Connects individuals and small business owners with lenders through digital loan services, and sells insurance policies on behalf of insurers to retail and institutional clients.
20-F for FY2025, filed Apr 29, 2026Credit solution. Our subsidiaries and the VIEs provide services as an online marketplace connecting borrowers and investors. The investors…View ↗
Insurance brokerage. Hexiang Insurance Brokers, a VIE subsidiary, operates the insurance brokerage business selling insurance policies on…View ↗
BorrowersView ↗
Who Are Their Customers?
Borrowers, mainly individuals and small business owners, reach the lending platform online, while institutional lenders fund loans through it. Insurance is sold to retail and institutional clients through branches, agents and online platforms.
20-F for FY2025, filed Apr 29, 2026Under the credit solution business, the loans are primarily funded by third parties with small portion by self-funded capital. Since…View ↗
BorrowersView ↗
Insurance brokerage. Hexiang Insurance Brokers, a VIE subsidiary, operates the insurance brokerage business selling insurance policies on…View ↗
We, through our subsidiaries and the VIEs, attract borrowers using online channels. Our online borrower acquisition efforts are supported…View ↗
How Are They Changing?
Smaller non-financial business
The older report described Yiren Select as a platform offering wealth solutions alongside non-financial goods and services. The latest report says those non-financial offerings were scaled back and the remaining business mainly serves existing members until their memberships expire.
20-F for FY2022, filed Apr 28, 2023 20-F for FY2025, filed Apr 29, 2026Others. The “Others” primarily represent the remaining electronic commerce services revenue from the consumption and lifestyle business…View ↗
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