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CONSOLIDATED STATEMENTS OF CASH FLOWS ¥ in Thousands, $ in Thousands | 12 Months Ended |  |
--- | --- | --- | ---
Dec. 31, 2016 USD ($) | Dec. 31, 2016 CNY (¥) | Dec. 31, 2015 CNY (¥) | Dec. 31, 2014 CNY (¥) | Dec. 31, 2016 USD ($) | Dec. 31, 2016 CNY (¥) | Dec. 31, 2015 CNY (¥)
Cash Flows from Operating Activities: |  |  |  |  |  |  |  |
Net (loss)/income |  | $ 160,795 | ¥ 1,116,398 | ¥ 275,339 | ¥ (27,708) |  |  |
Adjustments to reconcile net (loss)/income to net cash used in operating activities: |  |  |  |  |  |  |  |
Depreciation and amortization |  | 1,528 | 10,609 | 3,635 | 1,140 |  |  |
Disposal of property, equipment and software |  | 5 | 34 |  |  |  |  |
Interest income |  |  |  | (846) |  |  |  |
Fair value adjustments related to Consolidated ABFE |  | 2,842 | 19,735 | 11,333 |  |  |  |
Share-based compensation |  | 2,480 | 17,223 |  |  |  |  |
Changes in operating assets and liabilities |  |  |  |  |  |  |  |
Accounts receivable |  | 7,837 | 54,412 | 78,120 | (142,486) |  |  |
Change in Consolidated ABFE related asset/liability |  | 568 | 3,941 | 7,315 |  |  |  |
Prepaid expenses and other assets |  | (31,692) | (220,040) | (44,512) | (191,933) |  |  |
Amounts due from/to related parties |  | 13,417 | 93,152 | (49,171) | (35,610) |  |  |
Accrued expenses and other liabilities |  | 42,895 | 297,817 | 87,611 | 169,556 |  |  |
Accounts payable |  | 1,324 | 9,192 | 4,499 |  |  |  |
Liabilities from quality assurance program |  | 133,180 | 924,668 | 546,332 |  |  |  |
Deferred tax assets |  | (37,526) | (260,540) | (175,862) |  |  |  |
Deferred revenue |  | 6,745 | 46,834 | 117,484 |  |  |  |
Net cash (used in)/ provided by operating activities |  | 304,398 | 2,113,435 | 861,277 | (227,041) |  |  |
Cash Flows from Investing Activities: |  |  |  |  |  |  |  |
Purchase of property, equipment and software |  | (4,317) | (29,973) | (16,397) | (3,577) |  |  |
Disposal of property, equipment and software |  | 2 | 11 |  |  |  |  |
Purchase of held-to-maturity investments |  | (34,411) | (238,917) | (110,000) |  |  |  |
Redemption of held-to-maturity investments |  | 24,485 | 170,000 | 80,817 |  |  |  |
Purchase of available-for-sale investments |  | (178,381) | (1,238,500) |  |  |  |  |
Redemption of available-for-sale investments |  | 11,594 | 80,500 |  |  |  |  |
Investment in loans at fair value |  | (43,203) | (299,956) | (247,434) |  |  |  |
Principal payment of loans at fair value |  | 19,469 | 135,172 | 10,425 |  |  |  |
Net cash used in investing activities |  | (204,762) | (1,421,663) | (282,589) | (3,577) |  |  |
Cash Flows from Financing Activities: |  |  |  |  |  |  |  |
Cash contribution from owner |  |  |  | 62 | 231,996 |  |  |
Initial contribution received by the trusts |  | 38,888 | 270,000 | 250,000 |  |  |  |
Principal Payments to the Fund |  | (36,007) | (250,000) |  |  |  |  |
Proceeds from issuances of Asset Backed Special Plan |  | 29,166 | 202,500 |  |  |  |  |
Principal Payments on Asset Backed Special Plan |  | (9,417) | (65,378) |  |  |  |  |
Proceeds from initial public offering, net of offering cost |  |  |  | 441,600 |  |  |  |
Proceeds from concurrent private placement, net of offering cost |  |  |  | 58,256 |  |  |  |
Payments of initial public offering cost |  | (3,143) | (21,824) |  |  |  |  |
Net cash provided by financing activities |  | 19,487 | 135,298 | 749,918 | 231,996 |  |  |
Effect of foreign exchange rate changes |  | 4,228 | 29,356 | 101 |  |  |  |
Net increase in cash, cash equivalents and restricted cash |  | 123,351 | 856,426 | 1,328,707 | 1,378 |  |  |
Cash, cash equivalents and restricted cash, beginning of year |  | 191,572 | 1,330,085 | 1,378 |  |  |  |
Cash, cash equivalents and restricted cash, end of year |  | 314,923 | 2,186,511 | 1,330,085 | 1,378 |  |  |
Supplemental disclosures of cash flow information: |  |  |  |  |  |  |  |
Income taxes paid, net |  | 9,490 | 65,890 | 98,941 |  |  |  |
Reconciliation to amounts on consolidated balance sheets: |  |  |  |  |  |  |  |
Cash and cash equivalents |  |  |  |  |  | $ 139,453 | ¥ 968,225 | ¥ 846,120
Restricted cash | [1] |  |  |  |  | 175,470 | 1,218,286 | 483,965
Total cash, cash equivalents, and restricted cash |  | $ 191,572 | ¥ 1,330,085 | ¥ 1,378 | ¥ 1,378 | $ 314,923 | ¥ 2,186,511 | ¥ 1,330,085
[1] | The Company consolidated Huijin No. 28 Single Capital Trust E1, Yiren Elite Loan Trust Beneficial Right Asset Backed Special Plan, CreditEase Wealth Consumer Credit Investment Fund and Huijin No. 28 Single Capital Trust E2 as a whole, which are named “Assets Backed Financing Entities” or the “ABFE”, see Note 2.

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- Definition The cash inflow from repayments of the balance excluding interest (principal) on loans receivable and leases held for investment purposes. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 12 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=66902209&loc=d3e3179-108585 + Details
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- Definition The cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 12 -Subparagraph (a),(b) -URI http://asc.fasb.org/extlink&oid=66902209&loc=d3e3179-108585 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 320 -SubTopic 10 -Section 45 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=66010992&loc=d3e26853-111562 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Glossary Investing Activities -URI http://asc.fasb.org/extlink&oid=6516133 + Details
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- Definition The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 12 -Subparagraph (c) -URI http://asc.fasb.org/extlink&oid=66902209&loc=d3e3179-108585 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Glossary Investing Activities -URI http://asc.fasb.org/extlink&oid=6516133 + Details
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- Definition The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.1) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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- Definition The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=66902209&loc=d3e3602-108585 + Details
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- References No definition available. + Details
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- Definition Amount of cash and cash equivalents, and cash and cash equivalents restricted to withdrawal or usage. Excludes amount for disposal group and discontinued operations. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. + References No definition available. + Details
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- Definition This concept does not have a custom type definition. + References No definition available. + Details
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- Definition Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage; including effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. + References No definition available. + Details
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- Definition Increase (decrease) in guarantee liability during the period. + References No definition available. + Details
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- Definition The increase (decrease) during the reporting period in receivables to be collected from (paid to) other entities that could exert significant influence over the reporting entity. + References No definition available. + Details
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- Definition The increase (decrease) during the reporting period in the carrying amounts of loans at fair value and payable to investors at fair value of consolidated assets backed financing entities. + References No definition available. + Details
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- Definition Amount of cash outflow through purchase of short-term and long-term held-to-maturity securities. + References No definition available. + Details
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- Definition Represents information pertaining to the cash outflow related to principal payments on securities. + References No definition available. + Details
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- Definition Represents information pertaining to the cash outflow for principal payments to the fund. + References No definition available. + Details
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- Definition Represents information pertaining to cash inflow associated with the issuances of securities. + References No definition available. + Details
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- Definition The cash inflow from the capital received in cash from an owner during the period. + References No definition available. + Details
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- Definition Amount of cash inflow from the sale or maturity of short-term and long-term held-to-maturity securities. + References No definition available. + Details
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- Definition Proceeds received by the VIE from an affiliate. + References No definition available. + Details
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