<SEC-DOCUMENT>0000000000-19-001879.txt : 20190607
<SEC-HEADER>0000000000-19-001879.hdr.sgml : 20190607
<ACCEPTANCE-DATETIME>20190211162833
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000000000-19-001879
CONFORMED SUBMISSION TYPE:	UPLOAD
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20190211

FILED FOR:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Jiayin Group Inc.
		CENTRAL INDEX KEY:			0001743102
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		UPLOAD

	BUSINESS ADDRESS:	
		STREET 1:		26TH FLOOR,BUILDING NO.1,YOUYOU CENTURY
		STREET 2:		PLAZA,428 SOUTH YANGGAO ROAD,PUDONG
		CITY:			SHANGHAI
		STATE:			F4
		ZIP:			200122
		BUSINESS PHONE:		86 2160828732

	MAIL ADDRESS:	
		STREET 1:		26TH FLOOR,BUILDING NO.1,YOUYOU CENTURY
		STREET 2:		PLAZA,428 SOUTH YANGGAO ROAD,PUDONG
		CITY:			SHANGHAI
		STATE:			F4
		ZIP:			200122
PUBLIC REFERENCE ACCESSION NUMBER:		0001193125-18-353025
</SEC-HEADER>
<DOCUMENT>
<TYPE>LETTER
<SEQUENCE>1
<FILENAME>filename1.pdf
<TEXT>
<PDF>
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<TEXT>
                                                            February 11, 2019

Dinggui Yan
Chief Executive Officer
Jiayin Group Inc.
26th Floor, Building No. 1, Youyou Century Plaza
428 South Yanggao Road
Pudong New Area, Shanghai 200122
People's Republic of China

       Re: Jiayin Group Inc.
           Amendment No. 1 to
           Registration Statement on Form F-1
           Filed February 6, 2019
           File No. 333-228896

Dear Mr. Yan:

      We have reviewed your amended registration statement and have the
following
comments. In some of our comments, we may ask you to provide us with
information so we
may better understand your disclosure.

       Please respond to this letter by amending your registration statement
and providing the
requested information. If you do not believe our comments apply to your facts
and
circumstances or do not believe an amendment is appropriate, please tell us why
in your
response.

       After reviewing any amendment to your registration statement and the
information you
provide in response to these comments, we may have additional comments. Unless
we note
otherwise, our references to prior comments are to comments in our February 4,
2019 letter.

Amendment No. 1 to F-1 Filed on February 6, 2019

Prospectus Summary
Recent Developments--Regulatory Update, page 5

1.     Regarding your disclosure of Circular 175, Circular on the
Classification and Disposal of
       Risks of Online Lending Institutions and Risk Prevention, issued by PRC
authorities in
       January 2019, please address the following:
         Expand your disclosure to provide the basis for your conclusion that
you are
          a "Normal Marketplace" not materially impacted by this circular. In
addition to an
 Dinggui Yan
FirstName LastNameDinggui Yan
Jiayin Group Inc.
Comapany NameJiayin Group Inc.
February 11, 2019
Page 2
February 11, 2019 Page 2
FirstName LastName
             analysis of each criteria for Normal Marketplaces, please
specifically address how you
             satisfy the requirement that peer-to-peer direct lending
marketplaces be in strict
             compliance with all relevant laws and regulations given your
disclosure that Niwodai
             Internet has not completed the steps required by the Interim
Measures, including
             among other things updating its business scope to include "online
lending information
             intermediary" (We are required to register our marketplace with
the local financial
             regulatory authority and we have not completed, and may not be
able to complete, the
             registration, page 22);
             Expand your disclosure here and in related sections of the
prospectus to discuss (i) the
             recent impact to your business and operations as a result of
Circular 175 and (ii) the
             potential impact to your business if you are deemed not to be a
"Normal Marketplace";
             and
             Clarify the current status of Circular 175. We note several
disclosures in your
             prospectus that the relevant PRC governmental authorities "are
reported to have
             issued" the Circular, and that "if officially issued" you believe
the Circular will not
             have a material adverse impact on your business.
Description of American Depositary Shares
Governing Law/Waiver of Jury Trial, page 205

2.       We note your disclosure that the deposit agreement includes a jury
trial waiver which on
         its face appears to apply to claims under the federal securities laws.
Please further
         disclose here and in your risk factors how the waiver impacts ADS
holders and address
         any questions as to the enforceability of this provision. Moreover,
please disclose in both
         your registration statement and the deposit agreement that despite
agreeing to this
         provision, investors will not be deemed to have waived the company's
or the depositary's
         compliance with the federal securities laws and the rules and
regulations thereunder.
Note 2. Summary of Significant Accounting Policies
(k) Restricted cash, page F-17

3.       In your response to comment 5, you indicate that no incremental
provision expense is
         recognized for shortfalls in contractual investor assurance
receivables since you expect to
         be able to use loan facilitation and or post-origination service fees
received by other
         borrowers to fund investor assurance liability shortfalls. In
accordance with ASC 606,
         recognition of a contract receivable and or asset is predicated on the
identification
         of contract with a specific customer. To the extent the related
receivables are not
         collected from the specific customer, an expense should be recognized
in the financial
         statements to recognize the uncollectible contract receivable or
asset. Please provide us
         with your analysis of your accounting policy as it relates to this
guidance or revise your
         financial statements accordingly. Further, provide us with your
journal entries which
         clarify your accounting for the timing and recording of potential
provision expenses
         during the payment process.
 Dinggui Yan
Jiayin Group Inc.
February 11, 2019
Page 3
(e) Investor assurance program, page F-55

4.    We note your response to comment 7. Disclose who determines the amounts
to be
      withdrawn from Class B investors accounts, if any, to compensate Class A
investors and
      any liability exposure to the company for performing the activities for
the Class A and B
      investors.
Notes to the Unaudited Interim Condensed Consolidated Financial Statements
Note 2. Summary of Significant Accounting Policies
(g) Revenue recognition, page F-59

5.    We note your response to comment 9 and the related disclosures on pages
F-25 and F-60.
      In accordance with ASC 310-10-35-4, an impairment loss shall be
recognized when,
      based on all available information, it is probable that a loss has been
incurred based on
      past events and conditions that existed at the date of the financial
statements. Further,
      under ASC 310-10-35-41, credit losses shall be deducted from the
allowance for credit
      losses and charged-off in the period deemed uncollectible. Based on the
information
      disclosed in your registration statement and in your responses, your
charge-off policy does
      not appear to follow this U.S. GAAP guidance. Please provide us with your
analysis of
      your accounting policy as it relates to this guidance, and revise your
financial statements
      and related ancillary disclosures and tabular presentations, if
appropriate.


       You may contact Michelle Miller at 202-551-3368 or Marc Thomas at
202-551-3452 if
you have questions regarding comments on the financial statements and related
matters. Please
contact David Gessert at 202-551-2326 or Pam Long at 202-551-3765 with any
other questions.



                                                           Sincerely,
FirstName LastNameDinggui Yan
                                                           Division of
Corporation Finance
Comapany NameJiayin Group Inc.
                                                           Office of Financial
Services
February 11, 2019 Page 3
cc:       Meng Ding, Esq.
FirstName LastName
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