得益于精准灵活的风控策略和升级迭代的风控模型，三季度嘉银科技的资产质量持续优化。 61至90天逾期率为0.55%，连续两个季度呈下降趋势。面对大量的新增用户，从获客渠道端的RTA模型前筛，到信贷申请和审批额度的风险管理，各环节的策略与模型均在持续发挥积极作用。JFIN.US (JFIN.US) released its unaudited financial report for the third quarter of 2024.
Zhitong Finance learned that on November 20, JFIN.US (JFIN.US), a technology company based in Shanghai, China, released its unaudited financial report for the third quarter of 2024. According to financial reports, Jiayin Technology continued its steady growth trend in the third quarter, contributing to a transaction amount of about 26.7 billion yuan during the quarter, an increase of about 10.3% over the previous year, reaching a record high. The revenue achieved was approximately 1.44 billion yuan, of which the corresponding matching service revenue was about 1.11 billion yuan, an increase of about 18.1% over the previous year.
Recently, the gradual implementation of a package of incremental policies has become an important engine for boosting consumption, and the domestic economic development trend continues to improve. In the face of diverse credit needs spawned by different consumption scenarios, Jiayin Technology's business launch and operation strategy is becoming more active, especially in terms of new customer targeting. By the end of the third quarter, the reborrowing rate remained at 67.8%, and the average loan amount was 7,629 yuan.
Thanks to accurate and flexible risk control strategies and upgraded and iterative risk control models, Jiayin Technology's asset quality continued to be optimized in the third quarter. The 61-90 day overdue rate was 0.55%, showing a downward trend for two consecutive quarters. In the face of a large number of new users, strategies and models continue to play a positive role in all aspects, from pre-screening the RTA model on the customer acquisition channel side to risk management of credit applications and approval amounts.
At the same time, the company adheres to the principle of prudent operation, achieved balanced development of “quantity” and “quality”, comprehensively upgraded the intelligent model architecture, continued to introduce richer data samples to train the model, and greatly improved modeling and launch efficiency through the self-developed “Lingxi” AI Agent and “Fuxi” model platform.
Yan Dinggui, chairman of Jiayin Technology, said that Jiayin contributed to a steady increase in transaction amounts and related revenue this quarter, which reflects the company's effective strategic layout for business innovation, risk management and market diversification. The company successfully uses technology to improve operational efficiency and user experience, and keeps a close eye on risk resilience. Jiayin Technology believes that a flexible business model and sustainable growth will enable the company to seize new opportunities and create long-term value for shareholders.
