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CONSOLIDATED STATEMENTS OF CASH FLOWS - CNY (¥)
¥ in Thousands
 12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Cash flow from operating activities      
Profit before taxation ¥ 48,202 ¥ 57,169 ¥ 54,696
Adjustments for:      
Depreciation of property and equipment 441 526 601
Allowance for loans 4,991 4,791 9,665
(Reverse of)/allowance for interest receivable 1,411 1,568 (269)
Operating profit before changes in working capital 55,045 64,054 64,693
Interest and fee receivables (22,309) (16,443) 8,171
Prepayments and others 10,673 (10,713) (25)
Advance from customers (457) (2,782) (1,100)
Salary and benefit payable 1,254 406 (264)
Interest payable 1,333 (675) 2,038
Other payable 13,046 4,320 (668)
Net cash generated by operating activities 58,585 38,167 72,845
Income tax paid (14,393) (21,459) (14,132)
Net cash generated by operating activities 44,192 16,708 58,713
Cash flow from investing activities      
Originated loan disbursements (397,190) (446,264) (578,266)
Repayments of loans from customers 276,150 233,126 519,192
Prepayment for property (14,928)
Net cash used in investing activities (135,968) (213,138) (59,074)
Cash flow from financing activities      
Share issuance expenses (9,198)
Proceeds received from issuing capital 195,000
Proceeds received from shareholders loans 14,000 2,000
Repayment of shareholder loan (4,000) (2,000)
Proceeds received from loan payable 402,300 384,240 252,770
Repayments of loan payable (386,400) (332,990) (183,590)
Payments of dividends (18,770) (18,348)
Net cash generated by financing activities 16,702 227,480 50,832
Net increase/(decrease) in cash and cash equivalents (75,074) 31,050 50,471
Cash and cash equivalents at beginning of year 96,791 65,741 15,270
Cash and cash equivalents at end of year ¥ 21,717 ¥ 96,791 ¥ 65,741