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SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Consolidated Assets Backed Financing Entities) (Details) ¥ in Thousands, $ in Thousands | 1 Months Ended | 12 Months Ended |  |  |
--- | --- | --- | --- | --- | ---
Apr. 30, 2016 USD ($) fund | Apr. 30, 2016 CNY (¥) fund | Dec. 31, 2016 USD ($) | Dec. 31, 2016 CNY (¥) | Dec. 31, 2015 CNY (¥) | Dec. 31, 2014 CNY (¥) | Dec. 31, 2016 CNY (¥) | Jul. 31, 2016 USD ($) | Jul. 31, 2016 CNY (¥) | Oct. 31, 2015 CNY (¥)
Assets |  |  |  |  |  |  |  |  |  |  |
Restricted cash | [1] |  |  | $ 175,470 |  | ¥ 483,965 |  | ¥ 1,218,286 |  |  |
Prepaid expenses and other assets |  |  |  | 67,228 |  | 246,723 |  | 466,763 |  |  |
Loans at fair value |  |  |  | 53,440 |  | 221,268 |  | 371,033 |  |  |
Held-to-maturity investments |  |  |  | 14,247 |  | 30,000 |  | 98,917 |  |  |
Total assets |  |  |  | 688,952 |  | 2,190,003 |  | 4,783,388 |  |  |
Liabilities |  |  |  |  |  |  |  |  |  |  |
Accounts payable | [2] |  |  | 1,972 |  | 4,499 |  | 13,691 |  |  |
Payable to investors at fair value |  |  |  | 60,303 |  | 252,907 |  | 418,686 |  |  |
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) |  |  |  |
Net cash provided by financing activities |  |  |  | $ 19,487 | ¥ 135,298 | 749,918 | ¥ 231,996 |  |  |  |
Consolidated ABFE |  |  |  |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |  |  |  |
Maximum aggregate principal amount | ¥ |  |  |  |  |  |  |  |  |  |  | ¥ 250,000
Threshold percentage of amount of payouts to cash |  |  |  | 20.00% |  |  |  | 20.00% |  |  |
VIE lack of recourse against the assets of the Company |  |  |  | No | No |  |  |  |  |  |
Assets |  |  |  |  |  |  |  |  |  |  |
Restricted cash |  |  |  | $ 14,904 |  | 30,735 |  | ¥ 103,481 |  |  |
Prepaid expenses and other assets |  |  |  | 152 |  | 1,376 |  | 1,056 |  |  |
Loans at fair value |  |  |  | 53,440 |  | 221,268 |  | 371,033 |  |  |
Held-to-maturity investments |  |  |  | 705 |  |  |  | 4,896 |  |  |
Total assets |  |  |  | 69,201 |  | 253,379 |  | 480,466 |  |  |
Liabilities |  |  |  |  |  |  |  |  |  |  |
Accounts payable |  |  |  | 21 |  |  |  | 147 |  |  |
Payable to investors at fair value |  |  |  | 60,303 |  | 252,907 |  | 418,686 |  |  |
Accrued expenses and other liabilities |  |  |  | 417 |  | 713 |  | 2,895 |  |  |
Total liabilities |  |  |  | 60,741 |  | 253,620 |  | ¥ 421,728 |  |  |
Net (loss)/income |  |  |  | 2,842 | ¥ 19,735 | 11,333 |  |  |  |  |
Net cash (used in)/ provided by operating activities |  |  |  | 949 | 6,591 | 17,984 |  |  |  |  |
Net cash used in investing activities |  |  |  | (24,439) | (169,680) | (237,009) |  |  |  |  |
Net cash provided by financing activities |  |  |  | $ 22,630 | ¥ 157,121 | ¥ 250,000 |  |  |  |  |
Consolidated ABFE | ABS | Senior A Tranche securities |  |  |  |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |  |  |  |
Securities purchased |  | $ 6,800 | ¥ 47,500 |  |  |  |  |  |  |  |
Ownership as percentage to total securities issued (as a percent) |  | 19.00% | 19.00% |  |  |  |  |  |  |  |
Consolidated ABFE | Puxin Hengye | ABS | All subordinated securities |  |  |  |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |  |  |  |
Securities purchased |  | $ 3,600 | ¥ 25,000 |  |  |  |  |  |  |  |
Ownership as percentage to total securities issued (as a percent) |  | 10.00% | 10.00% |  |  |  |  |  |  |  |
Consolidated ABFE | Two funds set up and managed by Zhe Hao | ABS | All subordinated securities |  |  |  |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |  |  |  |
Securities purchased |  | $ 9,700 | ¥ 67,500 |  |  |  |  |  |  |  |
Ownership as percentage to total securities issued (as a percent) |  | 27.00% | 27.00% |  |  |  |  |  |  |  |
Number of funds | fund |  | 2 | 2 |  |  |  |  |  |  |  |
Trust No. 1 |  |  |  |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |  |  |  |
Security deposit required to be paid (as a percent) |  |  |  | 6.00% |  |  |  | 6.00% |  |  |
Trust No. 2 |  |  |  |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |  |  |  |
Maximum aggregate principal amount |  |  |  |  |  |  |  |  | $ 43,200 | ¥ 300,000 |
Security deposit required to be paid (as a percent) |  |  |  | 7.00% |  |  |  | 7.00% |  |  |
Trust No. 2 | Heng Cheng |  |  |  |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |  |  |  |
Equity method investment |  |  |  |  |  |  |  |  | 4,300 | 30,000 |
Trust No. 2 | Shenzhen CreditEase Commercial Factoring Co |  |  |  |  |  |  |  |  |  |  |
VIE arrangements |  |  |  |  |  |  |  |  |  |  |
Equity method investment |  |  |  |  |  |  |  |  | $ 4,800 | ¥ 33,400 |
[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.

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