v3.26.1
Description of Business, Organization, and Basis of Presentation (Tables)
12 Months Ended
Dec. 31, 2025
Description of Business, Organization, and Basis of Presentation [Abstract]  
Schedule of Investment in Significant Subsidiaries

Investment in significant subsidiaries for the year ended December 31, 2025

 

Name of company 

Place and date of

incorporation/

establishment

  Registered
capital
  

Issued

and fully

paid up capital

  

Percentage of

equity attributable

to the Group

  

Principal

activities

 
              Direct   Indirect      
Sincere Fame International Limited
诚名国际有限公司
  British Virgin Islands October 6, 2006   USD 1,230,434    USD 1,230,434    100%   
-
   Investment Holding  
                                 
China Financial Services Group
Limited泛华金融服务集团 有限公司
  Hong Kong August 28, 2000   HKD 100,000,000    HKD 100,000,000    
        -
    100%  Investment Holding  
                                 
Fanhua Chuang Li Information Technology (Shenzhen) Co.,
Ltd.泛华创利信息技术 (深圳) 有限公司
  the PRC December 21, 1999   HKD 400,000,000    HKD 400,000,000    
-
    100%  Investment Holding  
                                 
Shenzhen Fanhua United Investment Group Co.,
Ltd.深圳泛华联合投资集团有限公司
  the PRC August 9, 2006   RMB 250,000,000    RMB 250,000,000    
-
    100%  Investment Holding  
                                 
Guangzhou Anyu Mortgage Consulting Co.,
Ltd.广州安宇按揭咨询 有限公司
  the PRC January 23, 2003   RMB 2,220,000    RMB 2,220,000    
-
    100%  Micro credit  and mortgage  agency  services  
                                 
Chongqing Fengjie Financial Advisory Co.,
Ltd.重庆丰捷财务咨询 有限公司
  the PRC June 13, 2010   RMB 500,000    RMB 500,000    
-
    100%  Financial consultancy  
                                 
Guangzhou Chengze Information Technology Co.,
Ltd.广州诚泽信息科技 有限公司
  the PRC December 11, 2006   RMB 3,000,000    RMB 3,000,000    
-
    100%  Software development and maintenance  
                                 
Chongqing Liangjiang New Area Fanhua Micro-credit Co.,
Ltd.重庆市两江新区泛华 小额贷款有限公司
  the PRC December 26, 2011   USD 30,000,000    USD 30,000,000    
-
    100%  Micro credit  and mortgage  agency services  
                                 
Shenzhen Fanhua Micro-credit Co.,
Ltd.深圳泛华小额贷款 有限公司
  the PRC
March 15, 2012
   RMB 300,000,000   RMB 300,000,000    
-
    100%  Micro credit  and mortgage  agency services  
Name of company 

Place and date of

incorporation/

establishment

  Registered capital 

Issued

and fully

paid up capital

 

Percentage of

equity attributable

to the Group

  

Principal

activities

 
            Direct   Indirect      
Shenzhen Fanhua Fund Management Services Co., Ltd.
深圳泛华基金 管理服务有限公司
  the PRC
June 8, 2012
  RMB 5,000,000   RMB 5,000,000    
       -
    100%  Company register service  
                               
Guangzhou Heze Information Technology Co., Ltd.
广州和泽信息科技 有限公司
  the PRC
September 16, 2010
  RMB 20,000,000   RMB 20,000,000    
-
    100%  Software development and maintenance  
                               
Beijing Lianxin Chuanghui Information Technology Co., Ltd.
北京联鑫创辉 信息技术有限公司
  the PRC
February 2, 2012
  HKD 10,000,000   HKD 10,000,000    
-
    100%  Software development and maintenance  
                               
Shenzhen Fanlian Investment Co., Ltd.
深圳泛联投资有限公司
  the PRC
November 26, 2012
  RMB 30,000,000   RMB 30,000,000    
-
    100%  Investment Holding  
                               
Fanhua Financial Leasing (Shenzhen) Co., Ltd.
泛华融资租赁 (深圳)有限公司
  the PRC
September 4, 2012
  USD 10,000,000   USD 10,000,000    
-
    100%  Business  
                               
Shenzhen Fanhua Chengyu Finance Service Co., Ltd.
深圳泛华诚誉金融配套服务有限公司
  the PRC
March 15, 2013
  RMB 10,000,000   RMB 10,000,000    
-
    100%  Labor outsourcing services  
                               
Beijing Fanhua Qilin Capital Management Co., Ltd.
北京泛华麒麟资本管理有限公司
  the PRC
December 26, 2016
  RMB 100,000,000   RMB 10,000,000    
-
    96%  Asset Management  
                               
Shijiazhuang Fanhua Financial Advisory Co., Ltd
.石家庄泛华财务咨询有限公司
  the PRC
July 27, 2017
  RMB 2,000,000     -    
-
    100%  Financial Consultancy  
                               
Haikou Fanhua Financial Advisory Co., Ltd.
海口市泛华财务咨询有限公司
  the PRC
June 12, 2020
  RMB 1,000,000                -    
       -
    100%  Financial consultancy  
                              
Ganzhou Shenzhen Fanlian Financial Advisory Co., Ltd.
赣州深泛联财务咨询有限公司
  the PRC
August 8, 2020
  RMB 1,000,000    -    
-
    100%  Financial consultancy  
                              
Fanhua Jinfu (Foshan) Co., Ltd.
泛华金服(佛山)有限公司
  the PRC
May 22, 2020
  RMB 200,000,000    -    
-
    100%  Financial consultancy  
Name of company  Place and date of
incorporation/
establishment
  Registered
capital
  Issued
and fully
paid up capital
   Percentage of
equity attributable
to the Group
   Principal activities  
                Direct   Indirect      
Guangzhou Nansha Weisen Technology Co., Ltd
广州南沙区玮森科技有限公司
  the PRC
March 3, 2020
  RMB 500,000    -    
-
    100%  Software development and maintenance  
                              
Wuxi Shenzhen Fanlian Enterprise Management Co., Ltd.
无锡深泛联企业管理有限公司
  the PRC
April 27, 2022
  RMB 500,000    -    
-
    100%  Enterprise Management  
                              
Ningbo Lianyi Technological Advisory Co., Ltd.
宁波联亿科技咨询有限公司
  the PRC November 24, 2022  RMB 50,000,000    -    
-
    100%  Financial consultancy  
                              
Shenfanlian Eighteenth District (Dongguan) Enterprise Management Co., Ltd
深泛联十八区(东莞)企业管理有限公司
  the PRC
June 6, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian Eightth District (Jinan) Enterprise Management Co., Ltd
深泛联八区(济南)企业管理有限公司
  the PRC
June 13, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian Second District (Shenzhen) Enterprise Management Co., Ltd
深泛联二区(深圳)企业管理有限公司
  the PRC
April 20, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
ShenfanLian (Qingdao) Enterprise Management Co., Ltd
深泛联(青岛)企业管理有限公司
  the PRC
June 14, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
Fanhua fifteenth District (Zhongshan) Enterprise Management Co., Ltd
泛华十五区(中山)企业管理有限公司
  the PRC
July 11, 2023
  RMB 500,000                -    
       -
    100%  Enterprise Management  
                              
Shenfanlian eighth District (Tianjin) Enterprise Management Co., Ltd
深泛联八区(天津)企业管理有限公司
  the PRC
June 15, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
Name of company  Place and date of
incorporation/
establishment
  Registered
capital
  Issued
and fully
paid up capital
   Percentage of
equity attributable
to the Group
   Principal
activities
 
                Direct   Indirect      
Shenfanlian eighth District (Beijing) Enterprise Management Co., Ltd
深泛联八区(北京)企业管理有限公司
  the PRC
June 6, 2023
  RMB 1,000,000              -    
     -
    100%  Enterprise Management  
                              
Fanhua fourteenth District (Shenzhen) Enterprise Management Co., Ltd
泛华十四区(深圳)企业管理有限公司
  the PRC
July 24, 2023
  RMB 500,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian seventh District (Nanning) Enterprise Management Co., Ltd
深泛联七区(南宁)企业管理有限公司
  the PRC
June 7, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian Seventeenth District (Hubei) Enterprise Management Co., Ltd
深泛联十七区(湖北)企业管理有限公司
  the PRC
June 19, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
Fanhua first District (Huizhou) Enterprise Management Co., Ltd
泛华一区(惠州)企业管理有限公司
  the PRC
August 4, 2023
  RMB 200,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian (Foshan) Enterprise Management Co., Ltd
深泛联(佛山)企业管理有限公司
  the PRC
July 17, 2023
  RMB 500,000    -    
-
    100%  Enterprise Management  
Name of company  Place and date of
incorporation/
establishment
  Registered
capital
  Issued
and fully
paid up capital
   Percentage of
equity attributable to
the Group
   Principal
activities
 
                Direct   Indirect      
Shenfanlian (Xi’an) Enterprise Management Co., Ltd
深泛联(西安)企业管理有限公司
  the PRC
June 19, 2023
  RMB 500,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian Seventeenth District Enterprise Management Co., Ltd
深泛联十七区(深圳)企业管理有限公司
  the PRC
August 15, 2023
  RMB 1,000,000              100%  Enterprise Management  
                              
Shenfanlian first district (Shenzhen) Enterprise Management Co., Ltd
一区深泛联(深圳)企业管理有限公司
  the PRC
June 26, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian (Zhengzhou) Enterprise Management Consulting Co., Ltd
深泛联(郑州)企业管理咨询有限公司
  the PRC
July 28, 2023
  RMB 500,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian first District (Quanzhou) Enterprise Management Co., Ltd
深泛联一区 (泉州) 企业管理有限公司
  the PRC
August 16, 2022
  RMB 1,000,000                 -    
         -
    100%  Enterprise Management  
                              
Shenfan Shilu District (Kunming) Enterprise Management Co., Ltd
深泛拾陆区(昆明)企业管理有限公司
  the PRC
July 5, 2023
  RMB 200,000    -    
-
    100%  Enterprise Management  
                              
Shenzhen Fanlian (Nanjing) Financial Consulting Services Co., Ltd
深泛联(南京)财务咨询服务有限公司
  the PRC
June 27, 2023
  RMB 500,000    -    
-
    100%  Financial consultancy  
                              
Fanhua Fifteenth District (Chengdu) Enterprise Management Co., Ltd
泛华十五区(成都)企业管理有限公司
  the PRC
August 18, 2023
  RMB 200,000    -    
-
    100%  Enterprise Management  
Name of company  Place and date of
incorporation/
establishment
  Registered
capital
  Issued
and fully
paid up capital
   Percentage of
equity attributable
to the Group
   Principal
activities
 
                Direct   Indirect      
Fanhua Sixteenth District (Tianjin) Enterprise Management Co., Ltd
泛华十六区(天津)企业管理有限公司
  the PRC
October 18, 2023
  RMB 200,000           -    
-
    100%  Enterprise Management  
                              
Guangzhou Mingsheng Capital Management Limited Partnership (LP)
广州明晟资本管理合伙企业(有限合伙)
  the PRC
January 1, 2024
  RMB 40,000,000    -         100%  Financial consultancy  
                              
Shenfanlian first district (Nanning) Enterprise Management Co., Ltd.
深泛联一区(南宁)企业管理有限公司
  the PRC
March 5, 2024
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
Name of company  Place and date of
incorporation/
establishment
  Registered
capital
  Issued
and fully
paid up capital
   Percentage of
equity attributable to
the Group
   Principal
activities
 
             Direct   Indirect      
Ganzhou Shenzhen Fanlian Financial Advisory Co., Ltd.
赣州深泛联财务咨询有限公司
  the PRC
August 8, 2020
  RMB 1,000,000    -    
-
    100%  Financial consultancy  
                              
Fanhua Jinfu (Foshan) Co., Ltd.
泛华金服(佛山)有限公司
  the PRC
May 22, 2020
  RMB 200,000,000    -    
-
    100%  Financial consultancy  
                              
Guangzhou Nansha Weisen Technology Co., Ltd
广州南沙区玮森科技有限公司
  the PRC
March 30, 2020
  RMB 500,000    -    
-
    100%  Software development and maintenance  
                              
Wuxi Shenzhen Fanlian Enterprise Management Co., Ltd.
无锡深泛联企业管理有限公司
  the PRC
April 27,2022
  RMB 500,000    -    
-
    100%  Enterprise Management  
                              
Ningbo Lianyi Technological Advisory Co., Ltd.
宁波联亿科技咨询有限公司
  the PRC
November 24, 2022
  RMB 50,000,000    -    
-
    100%  Financial consultancy  
                              
Shenfanlian Eighteenth District (Dongguan) Enterprise Management Co., Ltd
深泛联十八区(东莞)企业管理有限公司
  the PRC
June 6, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian Eightth District (Jinan) Enterprise Management Co., Ltd
深泛联八区(济南)企业管理有限公司
  the PRC
June 13, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
Shenfanlian Second District (Shenzhen) Enterprise Management Co., Ltd
-深泛联二区(深圳)企业管理有限公司
  the PRC
April 20, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
                              
ShenfanLian (Qingdao) Enterprise Management Co., Ltd
深泛联(青岛)企业管理有限公司
  the PRC
June 14, 2023
  RMB 1,000,000    -    
-
    100%  Enterprise Management  
Schedule of Investments in the Consolidated VIEs

The table sets forth the investments in the consolidated VIEs by the Group as of December 31, 2025.

 

Name of the consolidated VIEs  Place and date of incorporation/establishment  Principal activities
       
Jinghua Structured Fund 6
菁华6号信托计划
  the PRC
2014/9/9
  Micro credit
       
Bohai Trust Shenfanlian Micro Finance Structured
Fund渤海信托深泛联小微金融集合资金信托计划
  the PRC
2016/9/14
  Micro credit
       
Bohai Huihe SME Structured Fund
渤海汇和中小微企业经营贷集合资金信托计划
  the PRC
2017/9/29
  Micro credit
       
Beijing Fanhua Micro-credit Company Limited
北京泛华小额贷款有限公司
  the PRC
2012/8/10
  Micro credit
       
Zhonghai Lanhai Structured Fund 1
中海信托蓝海1号集合资金信托计划
  the PRC
2018/7/18
  Micro credit
       
Bohai Trust No.1 Huiying Structured Fund
渤海惠盈1号集合资金信托计划
  the PRC
2018/9/10
  Micro credit
       
Bohai Trust No.2 Shenzhen Fanhua United Structured
Fund渤海信托-深泛联2号集合资金信托计划
  the PRC
2018/11/28
  Micro credit
       
Jinghua Structured Fund 1
外贸信托菁华1号集合资金信托计划
  the PRC
2019/5/8
  Micro credit
       
Hunan Structured Fund 2019-1
湖南信托2019-1集合资金信托计划
  the PRC
2019/9/23
  Micro credit
       
Hunan Structured Fund 2019-2
湖南信托2019-2集合资金信托计划
  the PRC
2019/9/23
  Micro credit
       
Shaanxi International Xinglong Structured Fund
1-1陕国投·兴隆1-1号集合资金信托计划
  the PRC
2019/11/6
  Micro credit
       
Shaanxi International Xinglong Structured Fund 2-1陕国投·兴隆2-1号集合资金信托计划  the PRC
2019/9/24
  Micro credit
Name of the consolidated VIEs  Place and date of incorporation/establishment  Principal activities
       
No. 50 Jinghua Structured Fund
外贸信托菁华50号资管计划
  the PRC
2019/4/26
  Micro credit
       
No. 70 Jinghua Structured Fund
外贸信托菁华70号资管计划
  the PRC
2020/12/25
  Micro credit
       
Shaanxi International Xinglong Structured Fund 22-1
陕国投·兴隆22-1号集合资金信托计划
  the PRC
2020/6/22
  Micro credit
       
No. 74 Jinghua Structured Fund
外贸信托菁华74号资管计划
  the PRC
2020/11/26
  Micro credit
       
Hunan Structured Fund 2020-1
湖南信托2020-1集合资金信托计划
  the PRC
2020/12/8
  Micro credit
       
Shaanxi International Xinglong Structured Fund 2-2
陕国投·兴隆2-2号集合资金信托计划
  the PRC
2021/1/26
  Micro credit
       
Zhonghai Lanhai Structured Fund 30-X
中海信托-蓝海30-X号集合资金信托计划
  the PRC
2021/3/17
  Micro credit
       
Bohai Trust 2020 Pucheng No. 75
渤海信托·2020普诚75号集合资金信托计划
  the PRC
2021/7/15
  Micro credit
       
Guomin Tianshu Structured Fund 2-1
国民信托·天枢2-1号单一资金信托
  the PRC
2021/8/31
  Micro credit
       
Shenzhen Ruishu Economic Information Technology Advisory Partnership (Limited Partnership)
深圳瑞枢经济信息技术咨询合伙企业(有限合伙)
  the PRC
2021/9/30
  Micro credit
Name of the consolidated VIEs   Place and date of incorporation/establishment   Principal activities
         
Shenzhen Chengshu Information Technology Advisory Partnership (Limited Partnership)
深圳诚枢信息技术咨询合伙企业(有限合伙)
  the PRC
2021/11/29
  Micro credit
         
Zhongrong Yuanshuo No.1 Structured Fund
中融-元烁1号集合资金信托计划
  the PRC
2021/9/29
  Micro credit
         
Tianjin Baihua Economic Information Advisory Partnership (Limited Partnership)
天津柏华经济信息咨询合伙企业(有限合伙)
  the PRC
2022/1/19
  Micro credit
         
Bohai Trust 2021 Pucheng No. 83
渤海信托·2021普诚83号集合资金信托计划
  the PRC
2022/1/25
  Micro credit
         
Zhongrong Yuanshuo No.2 Structured Fund
中融-元烁2号集合资金信托计划
  the PRC
2022/2/18
  Micro credit
         
Shenzhen Huashu Information Technology Advisory Partnership (Limited Partnership)
深圳华枢信息技术咨询合伙企业(有限合伙)
  the PRC
2022/2/22
  Micro credit
         
Zijin No.3 Business Acceleration Structured Fund
紫金信托·助业3号集合资金信托计划
  the PRC
2022/4/25
  Micro credit
         
Zhongliang Hongrui No.1 Structured Fund
中粮信托-弘瑞普惠1号集合资金信托计划
  the PRC
2022/5/19
  Micro credit
         
Zhongrong Yuanshuo No.3 Structured Fund
中融-元烁3号集合资金信托计划
  the PRC
2022/7/26
  Micro credit
         
Tianjin Pinhua Economic Information Advisory Partnership (Limited Partnership)
天津品华经济信息咨询合伙企业(有限合伙)
  the PRC
2022/10/10
  Micro credit
Name of the consolidated VIEs   Place and date of incorporation/establishment   Principal activities
         
Shenzhen Zeshu Information Technology Advisory Partnership (Limited Partnership)
深圳泽枢信息技术咨询合伙企业(有限合伙)
  the PRC
2022/11/19
  Micro credit
         
Hunan Caixin - Zhongliang - Hongxin Universal Benefit No. 1
湖南财信-中粮-弘信普惠1号集合资金信托计划
  the PRC
2023/2/7
  Micro credit
         
Shenzhen Mingshu Information Technology Advisory Partnership (Limited Partnership)
深圳名枢信息技术咨询合伙企业(有限合伙)
  the PRC
2023/4/13
  Micro credit
         
No. 51 Jinghua Structured Fund
外贸信托-菁华51号单一资金信托
  the PRC
2023/6/29
  Micro credit
         
No. 2 Jinghua Structured Fund
外贸菁华2号集合资金信托计划
  the PRC
2023/7/7
  Micro credit
         
Guangzhou Ming Hao Investment Partnership (Limited Partnership)
广州市明灏投资合伙企业(有限合伙)
  the PRC
2023/8/28
  Micro credit
         
Zhongliang Trust Plan- Hongjun No. 1
中粮信托-弘鋆1号 集合资金信托计划
  the PRC
2023/9/7
  Micro credit
         
Zhongliang Trust Plan-Honghao No. 1
中粮信托-弘浩普惠1号集合资金信托计划
  the PRC
2023/9/7
  Micro credit
         
Zhongliang Trust Plan-Hongsheng No. 1
中粮信托-弘盛普惠1号集合资金信托计划
  the PRC
2024/11/1
  Micro credit
         
Zhongliang Trust Plan- Hongmeng No. 1
中粮信托-弘盟1号集合资金信托计划
  the PRC
2023/11/15
  Micro credit
         

 Zhongliang Trust Plan-Hongyi Puhui No.1
中粮信托-弘益普惠1号集合资金信托计划

  the PRC
2025/04/01 
   Micro credit
         
Zhongliang Trust Plan- Hongji No. 1
中粮集合资金信托计划信托-弘济1号
  the PRC
2023/12/ 25
  Micro credit
Schedule of Assets and Liabilities of the Consolidated VIEs

The table sets forth the assets and liabilities of the consolidated VIEs included in the Group’s consolidated balance sheets after elimination of intercompany transactions and balances:

 

   December 31,
2024
   December 31,
2025
 
   RMB   RMB 
Cash, cash equivalents and restricted cash   1,024,148,680    267,290,165 
Net loans principal, interest and financing service fees receivables   5,494,698,105    825,783,160 
Loans held-for-sale   2,013,904,758    1,992,122,884 
Investment securities   23,000,000    8,000,000 
Deferred tax assets   1,809,403    7,607,426 
Other assets   817,414,521    1,004,894,552 
           
Total assets   9,374,975,467    4,105,698,187 
           
Interest-bearing borrowings   5,873,853,217    628,518,997 
Income taxes payable   2,013,889    4,353,507 
Deferred tax liabilities   
-
    55,991 
Other liabilities   430,265,217    119,925,023 
           
Total liabilities   6,306,132,323    752,853,517 
Schedule of Operations of the VIEs

The table sets forth the results of operations of the VIEs included in the Group’s consolidated statements of comprehensive income:

 

   Year ended December 31 
   2023   2024   2025 
   RMB   RMB   RMB 
Revenue   1,352,486,176    1,261,363,850    418,086,415 
Net income/(loss)   495,371,047    397,516,115    (103,550,301)
Schedule of Cash Flows of the VIEs

The table sets forth the cash flows of the VIEs included in the Group’s consolidated statements of cash flows:

 

   Year ended December 31 
   2023   2024   2025 
   RMB   RMB   RMB 
Net cash provided/(used) by operating activities   1,292,343,388    1,544,447,565    (180,439,240)
Net cash provided by/(used) in investing activities   (1,282,239,529)   1,344,524,994    4,668,914,945 
Net cash provided by/(used) in financing activities   234,705,208    (3,375,509,894)   (5,245,334,220)