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v3.22.2

LOANS RECOGNIZED AS A RESULT OF PAYMENTS UNDER THE GUARANTEES - Changes in the loss allowance of loan recognized (Details) ¥ in Thousands, $ in Thousands | 12 Months Ended |
--- | --- | ---
Mar. 31, 2022 CNY (¥) | Mar. 31, 2021 CNY (¥) | Mar. 31, 2020 CNY (¥) | Dec. 31, 2019 CNY (¥) | Mar. 31, 2022 USD ($)
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Beginning balance of the period | ¥ (1,182,609) |  |  |  |
Changes on initial application of ASU 2016-13 | 54,888 | ¥ 179,947 |  |  | $ 8,658
Additions |  | 68,578 | ¥ 326,204 | ¥ 398,167 |
Reversal of/ (Provision for) credit losses | (94) | (29,272) | (1,039,367) | (255,105) |
Write-off | 13,093 | 252,508 | 48,908 |  |
Bought out by certain non-bank financing institutions without recourse | 821,496 | 845,305 |  |  |
Payments from the borrowers or other recoveries | 23,743 | 8,003 | 62,053 | ¥ 146,789 |
Ending balance of the period | (324,371) | (1,182,609) |  |  |
ASU 2016-13 | Restatement Adjustment |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Changes on initial application of ASU 2016-13 |  |  | ¥ (172,843) |  |
Loans recognized as a result of payments under the guarantees |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Beginning balance of the period | (1,182,609) |  |  |  |
Changes on initial application of ASU 2016-13 | 54,888 | 179,947 |  |  |
Ending balance of the period | (324,371) | (1,182,609) |  |  |
Normal | Loans recognized as a result of payments under the guarantees |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Beginning balance of the period | (11,787) |  |  |  |
Reversal of/ (Provision for) credit losses | 6,483 |  |  |  |
Write-off | 36 |  |  |  |
Bought out by certain non-bank financing institutions without recourse | 1,286 |  |  |  |
Payments from the borrowers or other recoveries | 14 |  |  |  |
Ending balance of the period | (1,805) | (11,787) |  |  |
Normal | Loans recognized as a result of payments under the guarantees | Transfer from Normal to Attention |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | 2,358 |  |  |  |
Normal | Loans recognized as a result of payments under the guarantees | Transfer from Normal to Secondary |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | 514 |  |  |  |
Normal | Loans recognized as a result of payments under the guarantees | Transfer from Attention to Normal |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | (343) |  |  |  |
Normal | Loans recognized as a result of payments under the guarantees | Transfer from Secondary to Normal |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | (366) |  |  |  |
Attention | Loans recognized as a result of payments under the guarantees |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Beginning balance of the period | (149,220) |  |  |  |
Reversal of/ (Provision for) credit losses | 49,903 |  |  |  |
Write-off | 1,589 |  |  |  |
Bought out by certain non-bank financing institutions without recourse | 38,599 |  |  |  |
Payments from the borrowers or other recoveries | 6,105 |  |  |  |
Ending balance of the period | (74,783) | (149,220) |  |  |
Attention | Loans recognized as a result of payments under the guarantees | Transfer from Normal to Attention |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | (2,358) |  |  |  |
Attention | Loans recognized as a result of payments under the guarantees | Transfer from Attention to Secondary |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | 22,040 |  |  |  |
Attention | Loans recognized as a result of payments under the guarantees | Transfer from Attention to Normal |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | 343 |  |  |  |
Attention | Loans recognized as a result of payments under the guarantees | Transfer from Secondary to Attention |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | (41,784) |  |  |  |
Secondary | Loans recognized as a result of payments under the guarantees |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Beginning balance of the period | (1,021,602) |  |  |  |
Reversal of/ (Provision for) credit losses | (56,480) |  |  |  |
Write-off | 11,468 |  |  |  |
Bought out by certain non-bank financing institutions without recourse | 781,611 |  |  |  |
Payments from the borrowers or other recoveries | 17,624 |  |  |  |
Ending balance of the period | (247,783) | ¥ (1,021,602) |  |  |
Secondary | Loans recognized as a result of payments under the guarantees | Transfer from Normal to Secondary |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | (514) |  |  |  |
Secondary | Loans recognized as a result of payments under the guarantees | Transfer from Attention to Secondary |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | (22,040) |  |  |  |
Secondary | Loans recognized as a result of payments under the guarantees | Transfer from Secondary to Attention |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | 41,784 |  |  |  |
Secondary | Loans recognized as a result of payments under the guarantees | Transfer from Secondary to Normal |  |  |  |  |
Financing Receivable, Credit Quality Indicator [Line Items] |  |  |  |  |
Transfer | ¥ 366 |  |  |  |

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