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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Consolidated VIE) (Details) ¥ in Thousands, $ in Thousands | 12 Months Ended |
--- | --- | ---
Dec. 31, 2016 USD ($) Right | Dec. 31, 2016 CNY (¥) Right | Dec. 31, 2015 CNY (¥) | Dec. 31, 2014 CNY (¥) | Dec. 31, 2016 CNY (¥)
VIE arrangements |  |  |  |  |  |  |  |
Maximum equity interests in internet business owned by foreign investors | 50.00% |  |  |  |  |  | 50.00% |
Assets |  |  |  |  |  |  |  |
Cash and cash equivalents | $ 139,453 |  |  | ¥ 846,120 |  | ¥ 1,378 | ¥ 968,225 |
Restricted cash | 175,470 | [1] |  | 483,965 | [1] |  | 1,218,286 | [1]
Accounts receivable | 4,117 |  |  | 82,993 |  |  | 28,581 |
Prepaid expenses and other assets | 67,228 |  |  | 246,723 |  |  | 466,763 |
Amounts due from related parties | 242 |  |  | 86,889 |  |  | 1,678 |
Held-to-maturity investments | 14,247 |  |  | 30,000 |  |  | 98,917 |
Available-for-sale investments | 166,787 |  |  |  |  |  | 1,158,000 |
Property, equipment and software, net | 5,113 |  |  | 16,183 |  |  | 35,503 |
Deferred tax assets | 62,855 |  |  | 175,862 |  |  | 436,402 |
Total assets | 688,952 |  |  | 2,190,003 |  |  | 4,783,388 |
Liabilities |  |  |  |  |  |  |  |
Accounts payable | 1,972 | [2] |  | 4,499 | [2] |  | 13,691 | [2]
Amounts due to related parties | 1,672 |  |  | 3,668 |  |  | 11,609 |
Liabilities from quality assurance program | 211,868 | [3] |  | 546,332 | [3] |  | 1,471,000 | [3]
Deferred revenue | 23,667 |  |  | 117,484 |  |  | 164,318 |
Accrued expenses and other liabilities | 81,257 |  |  | 288,171 |  |  | 564,165 |
Total liabilities | 380,739 |  |  | 1,213,061 |  |  | 2,643,469 |
Net revenue | 466,368 |  | ¥ 3,237,991 | 1,313,639 |  | 196,525 |  |
Net (loss)/income | 160,795 |  | 1,116,398 | 275,339 |  | (27,708) |  |
Net cash (used in)/ provided by operating activities | 304,398 |  | 2,113,435 | 861,277 |  | (227,041) |  |
Net cash used in investing activities | $ (204,762) |  | ¥ (1,421,663) | (282,589) |  | (3,577) |  |
Loan agreements between FOS and each of the shareholders of the respective VIE companies |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |
Percentage of equity interest in VIE companies and FOS elects to exercise its exclusive equity purchase option, would result the loan to be repaid immediately | 100.00% |  | 100.00% |  |  |  |  |
Term of the loan | 10 years |  | 10 years |  |  |  |  |
Consolidated VIEs |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |
Authority to terminate the VIE exclusive business cooperation agreement | Right | 0 |  | 0 |  |  |  |  |
Consolidated VIE assets collateral for obligations pertaining to VIE |  |  |  |  |  |  | 0 |
Assets |  |  |  |  |  |  |  |
Cash and cash equivalents | $ 62,438 |  |  | 144,535 |  |  | 433,510 |
Restricted cash | 160,565 |  |  | 453,230 |  |  | 1,114,805 |
Accounts receivable | 3,433 |  |  | 82,993 |  |  | 23,838 |
Prepaid expenses and other assets | 57,421 |  |  | 234,204 |  |  | 398,675 |
Amounts due from related parties | 242 |  |  | 86,889 |  |  | 1,678 |
Held-to-maturity investments |  |  |  | 30,000 |  |  |  |
Available-for-sale investments | 71,727 |  |  |  |  |  | 498,000 |
Property, equipment and software, net | 638 |  |  | 4,392 |  |  | 4,427 |
Deferred tax assets | 62,855 |  |  | 175,862 |  |  | 436,402 |
Total assets | 419,319 |  |  | 1,212,105 |  |  | 2,911,335 |
Liabilities |  |  |  |  |  |  |  |
Accounts payable | 1,951 |  |  | 4,499 |  |  | 13,544 |
Amounts due to related parties | 995 |  |  | 3,426 |  |  | 6,907 |
Liabilities from quality assurance program | 211,868 |  |  | 546,332 |  |  | 1,471,000 |
Deferred revenue | 23,667 |  |  | 117,484 |  |  | 164,318 |
Accrued expenses and other liabilities | 73,151 |  |  | 244,438 |  |  | 507,890 |
Total liabilities | 311,632 |  |  | 916,179 |  |  | ¥ 2,163,659 |
Net revenue | 466,336 |  | ¥ 3,237,768 | 1,316,761 |  | 196,525 |  |
Net (loss)/income | 208,135 |  | 1,445,081 | 465,679 |  | (27,708) |  |
Net cash (used in)/ provided by operating activities | 347,862 |  | 2,415,204 | 812,496 |  | (227,041) |  |
Net cash used in investing activities | $ (67,884) |  | ¥ (471,321) | ¥ (35,486) |  | ¥ (3,577) |  |
[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.
[2] | VIE companies refers to Heng Cheng and Yi Ren Wealth Management, see Note 2.
[3] | Liabilities from quality assurance program refers to Liabilities from risk reserve fund guarantee in previous annual report.

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- Definition Total revenue from sale of goods and services rendered during the reporting period, in the normal course of business, reduced by sales returns and allowances, and sales discounts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 225 -SubTopic 10 -Section S99 -Paragraph 2 -Subparagraph (SX 210.5-03.1) -URI http://asc.fasb.org/extlink&oid=63488584&loc=d3e20235-122688 + Details
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- Definition Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. + References No definition available. + Details
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- Definition Represents the consolidated VIE's assets that are collateral for the VIE's obligations and can only be used to settle the VIE's obligations. + References No definition available. + Details
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- Definition The percentage of equity interest in VIE companies and FOS elects to exercise its exclusive equity purchase option, which results in not compliance with the covenant clauses of the debt agreement. + References No definition available. + Details
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- Definition Carrying amount as of the balance sheet date of obligations due all related parties, excluding payable due to an entity that is affiliated with the reporting entity by means of direct or indirect ownership. + References No definition available. + Details
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- Definition Represents the maximum equity interests in internet-based businesses (except E-Commerce) allowed to be owned by foreign investors according to the local regulations. + References No definition available. + Details
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- Definition Represents the authority to terminate the VIE exclusive business cooperation agreement. + References No definition available. + Details
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