LOANS RECEIVABLE, NET (Tables)
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12 Months Ended |
Dec. 31, 2025 |
| LOANS RECEIVABLE, NET |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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