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Xinhua Finance and Economics Shanghai, November 21 (Reporter Wang Shujuan) - The latest financial report for the third quarter of 2023 released by Financial Technology Group Xinye Technology shows that Xinye Technology continued to maintain a steady growth trend in domestic and international markets in the third quarter, achieving quarterly revenue of 3.198 billion yuan, an increase of 7.6% compared to the same period last year; The transaction volume achieved in the current quarter was 51.3 billion yuan, a year-on-year increase of 12.7%; The loan balance at the end of the quarter was 65.9 billion yuan, an increase of 9.3% year-on-year.
As of the end of the third quarter of 2023, Xinye Technology has provided digital services to 88 domestic financial institutions and has connected nearly 25 million users to provide credit matching services.
Thanks to the continuous deepening of the customer group floating strategy and robust risk control strategy, Xinye Technology continues to target high-quality customer groups and maintain low risk indicators. According to the financial report, Xinye Technology's high-quality users accounted for over 80% of the quarter and remained stable; The overdue rate of over 90 days is 1.67%, continuously surpassing the industry level.
In addition, Xinye Technology continues to increase its strategic investment in small and micro financial services, further optimizing and lowering the average loan interest rate in the domestic market to meet more small and micro homeowners and individual businesses with loan needs, and achieve wider coverage of inclusive financial services. In the third quarter, Xinye Technology served approximately 448000 small and micro users and individual businesses, resulting in loans totaling 12.3 billion yuan, a year-on-year increase of 9% and a month on month increase of 7%.
Li Tiezheng, CEO of Xinye Technology, stated that Xinye Technology's long-term and steady development business approach has demonstrated special advantages in the face of the complex and ever-changing macro environment. In the third quarter, we continued a healthy growth trend in both domestic and international markets. We also actively responded to regulatory calls and are committed to providing high-quality digital services to financial institutions. At the same time, we optimized customer interest rates, continuously improved the level of small and micro businesses, and promoted the development of inclusive finance
As the domestic and international economic situation gradually recovers, we are also continuously expanding new opportunities for cooperation with financial institutions. At the same time, our asset liquidity remains abundant and optimistic, providing a solid foundation for the sustainable development of the group, "said Xu Jiayuan, Chief Financial Officer of Xinye Technology
It is worth noting that, taking advantage of the national "the Belt and Road" initiative, Xinya Technology has started the process of globalization since 2018 and has deployed a deeply localized financial technology platform in Southeast Asian countries. Xinye Technology's international business continued to perform well in the third quarter, with a revenue contribution of 585 million yuan, a year-on-year increase of 67.3%, accounting for 18.3% of the group's total revenue.
It is reported that as of now, the intelligent voice calling product "Blu" under Xinye Technology has successfully launched on 19 fintech platforms, covering six countries in Asia Pacific and Latin America. It provides services in multiple languages such as English, Indonesian, and Spanish, providing targeted and efficient AI solutions for overseas customers, saving 80% of labor costs.
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