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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.