v3.26.1
Interest and Fees Income - Schedule of Interest and Fees Income (Details) - CNY (¥)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Schedule of Interest and Fees Income Costs [Abstract]      
Interest and financing service fees on loans [1] ¥ 484,992,923 ¥ 1,343,738,056 ¥ 1,580,001,675
- Interest income 484,992,923 1,343,738,056 1,579,868,355
- Financing service fees 133,320
Interest income charged to sales partners [2] 72,092,927 162,566,756 134,542,337
Interest income on debt securities [3] 14,375,545 16,842,567 20,468,849
Interest on deposits with banks 4,321,947 15,472,736 19,582,159
Total ¥ 575,783,341 ¥ 1,538,620,115 ¥ 1,754,595,020
[1] Interest and financing service fees on loans, which include financing service fees on loans, are recognized in the consolidated statements of comprehensive income using the effective interest method. Financing service fees on loans, are deferred and amortized over the contractual life of the related loans utilizing the effective interest method.
[2] Interest income charged to sales partners refers to the cost of and interest on the partner’s instalment repurchase options under collaboration model.
[3] Interest income on debt securities in forms of partnership investment and corporate debt securities. Please refer to note 6(b).