v3.26.1
LOANS RECEIVABLE, NET (Tables)
12 Months Ended
Dec. 31, 2025
LOANS RECEIVABLE, NET  
Schedule of loans receivable

  ​ ​ ​

December 31, 

  ​ ​ ​

December 31, 

2024

2025

RMB

RMB

Loans receivable

 

31,946,604

 

42,313,248

Less allowance for loan losses

 

(2,694,427)

 

(3,630,135)

Loans receivable, net

 

29,252,177

 

38,683,113

Schedule of aging of loans

  ​ ​ ​

0-30 days

  ​ ​ ​

31-60 days

  ​ ​ ​

over 60 days

  ​ ​ ​

Total amount

  ​ ​ ​

  ​ ​ ​

 past due

past due

 past due

past due

Current

Total loans

December 31, 2024 (RMB)

 

258,759

197,490

456,249

31,490,355

31,946,604

December 31, 2025 (RMB)

 

517,775

433,961

951,737

41,361,511

42,313,248

Schedule of movement of allowance for loan losses

Year ended

Year ended

Year ended

December 31, 

December 31, 

December 31, 

  ​ ​ ​

2023

  ​ ​ ​

2024

  ​ ​ ​

2025

RMB

RMB

RMB

Balance at beginning of year

 

1,457,419

1,871,431

 

2,694,427

Provision for loan losses

 

2,151,046

2,773,323

 

3,625,042

Gross write-off

 

(1,844,349)

(2,419,180)

 

(3,196,230)

Recoveries

107,315

468,853

506,896

Balance at end of year

 

1,871,431

2,694,427

 

3,630,135

Schedule of principal of loans receivable by year of origination

The principal of loans receivable as of December 31, 2024 by year of origination is as follows:

  ​ ​ ​

2024

  ​ ​ ​

2023

  ​ ​ ​

2022

  ​ ​ ​

Total loans

Loans receivable

 

31,214,931

 

701,484

 

30,189

31,946,604

The principal of loans receivable as of December 31, 2025 by year of origination is as follows:

  ​ ​ ​

2025

  ​ ​ ​

2024

  ​ ​ ​

2023

  ​ ​ ​

Total loans

Loans receivable

 

41,600,687

 

680,573

31,988

42,313,248