v3.26.1
Income taxes - Components of the deferred tax assets and liabilities (Details)
Dec. 31, 2025
CNY (¥)
Dec. 31, 2025
USD ($)
Dec. 31, 2024
CNY (¥)
Dec. 31, 2024
USD ($)
Dec. 31, 2023
CNY (¥)
Dec. 31, 2022
CNY (¥)
Deferred tax assets:            
Long-term investments, net of impairment ¥ 29,294,312 $ 4,189,031 ¥ 20,191,218      
Advertising and market related expense carryforwards 7,917,365 1,132,168 11,251,555      
Accounts receivable and contract assets 76,728,374 10,972,012 16,048,561      
Guarantee liabilities 327,632,748 46,850,860 77,314,528      
Financial guarantee derivatives 3,856,420 551,461 159,210,663      
Loan receivable from Xiaoying Housing Loans 14,316,731 2,047,265 14,318,757      
Loans receivable from Xiaoying Credit Loans and other loans 255,414,788 36,523,829 220,392,866      
Operating loss carryforwards 2,583,659 369,458 43,757,115      
Deposits to institutional cooperators 1,274,129 182,198 1,467,822      
Lease liabilities 11,910,124 1,703,125 10,351,392      
Others 78,499 11,226 60,350      
Total deferred tax assets 731,007,149 104,532,633 574,364,827      
Valuation allowance (187,490,468) (26,810,780) (307,902,579) $ (44,029,483) ¥ (226,317,275) ¥ (214,884,582)
Total deferred tax assets, net of valuation allowance 543,516,681 77,721,853 266,462,248      
Deferred tax liabilities:            
Property and equipment 3,980,134 569,152 2,867,083      
Financial guarantee derivatives 0 0 259,565      
Long-term investments, net of impairment 17,850,275 2,552,555 4,375,796      
Right-of-use assets 11,194,691 1,600,820 9,809,937      
Investment in Consolidated Trusts 72,140,986 10,316,024 26,959,491      
Investment in Consolidated Partnerships 6,572,148 939,805 31,309,764      
Undistributed earnings 45,622,417 6,523,919 58,600,000      
Others 471,221 67,384 526,630      
Total deferred tax liabilities 157,831,872 22,569,659 ¥ 134,708,266      
Chinese Mainland entities            
Deferred tax assets:            
Advertising and market related expense carryforwards ¥ 31,669,460 $ 4,528,673   $ 45,006,219