Consolidated Statements of Comprehensive Income |
12 Months Ended | ||
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Dec. 31, 2025
CNY (¥)
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Dec. 31, 2024
CNY (¥)
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Dec. 31, 2023
CNY (¥)
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| Income Statement [Abstract] | |||
| Interest and fees income | ¥ 575,783,341 | ¥ 1,538,620,115 | ¥ 1,754,595,020 |
| Interest expenses on interest-bearing borrowings | (511,866,737) | (794,518,514) | (723,081,286) |
| Net interest and fees income | 63,916,604 | 744,101,601 | 1,031,513,734 |
| Net revenue under the commercial bank partnership model | 19,959,208 | 97,127,306 | 87,936,005 |
| Collaboration cost for sales partners | (52,006,417) | (252,881,333) | (343,508,143) |
| Net interest and fees income after collaboration cost | 31,869,396 | 588,347,574 | 775,941,596 |
| Provision for credit losses, net of increase in guaranteed recoverable assets | (480,931,843) | (105,216,440) | (177,282,998) |
| Provision for cost method investment | (5,907,577) | ||
| Net interest and fees income after collaboration cost and provision | (449,062,448) | 483,131,134 | 592,751,021 |
| Realized gains/(losses) on sales of investments, net | (971,725) | (4,125,037) | 6,548,484 |
| Net losses on sales of loans | (20,967,075) | (6,497,731) | (17,190,545) |
| Other gains/(losses), net | 69,674,481 | (24,400,913) | 4,847,597 |
| Total non-interest (losses)/income, net | 47,735,681 | (35,023,681) | (5,794,464) |
| Operating expenses | |||
| Employee compensation and benefits | (91,214,320) | (155,735,239) | (204,573,389) |
| Share-based compensation expenses | (14,898,534) | (7,517,349) | |
| Taxes and surcharges | (10,724,811) | (26,168,730) | (31,343,671) |
| Operating lease cost | (13,709,695) | (15,693,697) | (16,366,797) |
| Other expenses | (67,122,182) | (187,322,734) | (121,520,772) |
| Total operating expenses | (182,771,008) | (399,818,934) | (381,321,978) |
| Income/(loss) before income tax expense | (584,097,775) | 48,288,519 | 205,634,579 |
| Income tax (expense) | 113,703,733 | (10,504,073) | (41,017,018) |
| Net income/(loss) | (470,394,042) | 37,784,446 | 164,617,561 |
| Other comprehensive income/(loss) | |||
| Foreign currency translation adjustment | (4,739,910) | 524,149 | 867,116 |
| Comprehensive income/(loss) | (475,133,952) | 38,308,595 | 165,484,677 |
| Less: net income attributable to non-controlling interests | 19,377,314 | ||
| Total comprehensive income/(loss) attributable to ordinary shareholders | ¥ (475,133,952) | ¥ 38,308,595 | ¥ 146,107,363 |
| X | ||||||||||
- Definition Collaboration cost for sales partners. No definition available.
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- Definition Net interest and fees income after collaboration cost. No definition available.
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- Definition Amount of provision for cost method investment. No definition available.
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- Definition Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- References No definition available.
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| X | ||||||||||
- Definition Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income (loss) and other comprehensive income (loss), attributable to noncontrolling interests. Excludes changes in equity resulting from investments by owners and distributions to owners. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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| X | ||||||||||
- Definition Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income. Excludes changes in equity resulting from investments by owners and distributions to owners. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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| X | ||||||||||
- Definition The net gain (loss) resulting from a sale of loans, including adjustments to record loans classified as held-for-sale at the lower-of-cost-or-market and fair value adjustments to loan held for investment purposes. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- References No definition available.
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| X | ||||||||||
- Definition Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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| X | ||||||||||
- Definition The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition Aggregate amount of interest expense on all borrowings. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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| X | ||||||||||
- Definition Amount of interest income (expense) classified as operating. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition Amount of expense for salary, wage, profit sharing; incentive and equity-based compensation; and other employee benefit. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- References No definition available.
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- Definition The net result for the period of deducting operating expenses from operating revenues. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition Amount of single lease cost, calculated by allocation of remaining cost of lease over remaining lease term. Includes, but is not limited to, single lease cost, after impairment of right-of-use asset, calculated by amortization of remaining right-of-use asset and accretion of lease liability. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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| X | ||||||||||
- Definition Amount after tax and reclassification adjustments of gain (loss) on foreign currency translation adjustments, foreign currency transactions designated and effective as economic hedges of a net investment in a foreign entity and intra-entity foreign currency transactions that are of a long-term-investment nature, attributable to parent entity. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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| X | ||||||||||
- Definition Amount of expense classified as other. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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| X | ||||||||||
- Definition Amount of revenue and income classified as other. Reference 1: http://www.xbrl.org/2003/role/exampleRef
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- Definition The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition Amount of realized gain (loss) on investment. Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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- Definition Amount, excluding interest income, of revenue not accounted for under Topic 606. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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- Definition Amount of noncash expense for share-based payment arrangement. Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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- Definition All taxes not related to income of the entity or excise or sales taxes levied on the revenue of the entity that are not reported elsewhere. These taxes could include production, real estate, personal property, and pump tax. Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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