Yiren Digital Is Ranked Top 10% in the Global S&P ESG Rating
Yiren Digital (NYSE: YRD) was ranked in the top 10% of S&P Global's ESG assessment for the "Diversified Financial Services and Capital Markets" category on November 7, 2025.
Key drivers cited include AI-enabled risk controls and customer service, concrete inclusive‑finance metrics, and operational energy improvements. In 2024 the company facilitated RMB53.6 billion in loans to 4.2 million borrowers (including RMB14.8 billion to 791,400 small business owners and RMB2.8 billion to 172,700 female business owners), provided >RMB98 billion in insurance coverage for gig workers, and blocked 16,800 fraudulent loan applications—estimated to prevent RMB180 million in losses.
Environmental progress includes a 5% YoY drop in greenhouse gas emissions, data center PUE of 1.25, and energy‑efficient equipment covering >90% of Beijing offices. The company said it will continue integrating AI with ESG to deepen financial inclusion and sustainability.
Yiren Digital (NYSE: YRD) si è classificata nel 10% superiore della valutazione ESG di S&P Global nella categoria “Diversified Financial Services and Capital Markets” il 7 novembre 2025.
I principali motori citati includono controlli del rischio e servizio clienti abilitati dall’IA, metriche concrete di inclusione finanziaria e miglioramenti operativi dell’energia. Nel 2024 l’azienda ha facilitato RMB53,6 miliardi di prestiti a 4,2 milioni di mutuatari (inclusi RMB14,8 miliardi a 791.400 piccoli imprenditori e RMB2,8 miliardi a 172.700 imprenditrici), fornito >RMB98 miliardi di coperture assicurative per i lavoratori gig e bloccato 16.800 domande di prestito fraudolene—stimate per prevenire RMB180 milioni di perdite.
L’avanzamento ambientale comprende una riduzione del 5% annuo delle emissioni di gas serra, un PUE dei data center di 1,25 e apparecchiature ad alta efficienza energetica che coprono >90% degli uffici di Pechino. L’azienda ha dichiarato che continuerà ad integrare IA con ESG per approfondire l’inclusione finanziaria e la sostenibilità.
Yiren Digital (NYSE: YRD) fue clasificada entre el top 10% de la evaluación ESG de S&P Global para la categoría “Diversified Financial Services and Capital Markets” el 7 de noviembre de 2025.
Los impulsores clave incluyen controles de riesgo y servicio al cliente habilitados por IA, métricas concretas de inclusión financiera y mejoras operativas de energía. En 2024 la empresa facilitó 53,6 mil millones de RMB en préstamos a 4,2 millones de prestatarios (incluidos 14,8 mil millones de RMB a 791.400 pequeños empresarios y 2,8 mil millones de RMB a 172.700 empresarias), proporcionó >RMB98 mil millones en coberturas de seguros para trabajadores gig, y bloqueó 16.800 solicitudes de préstamo fraudulentas—estimadas en prevenir 180 millones de RMB en pérdidas.
El progreso ambiental incluye una caída del 5% interanual en las emisiones de gases de efecto invernadero, un PUE de centros de datos de 1,25, y equipos energéticamente eficientes que cubren >90% de las oficinas de Beijing. La empresa señaló que seguirá integrando IA con ESG para profundizar la inclusión financiera y la sostenibilidad.
Yiren Digital (NYSE: YRD)는 2025년 11월 7일 S&P Global의 ESG 평가에서 상위 10%에 랭크되었습니다. 부문은 “Diversified Financial Services and Capital Markets”입니다.
주요 동인은 AI로 가능해진 리스크 관리 및 고객 서비스, 구체적인 금융 포용 지표, 운영 에너지 개선입니다. 2024년 회사는 RMB53.6십억의 대출을 420만 명의 차주에게 제공했고(그 중 상담자 791,400명의 소기업가에게 RMB14.8십억, 여성 기업가 172,700명에게 RMB2.8십억), 임시 εργα노동자용 보험으로 RMB98십억 이상 커버를 제공했으며, 16,800건의 사기 대출 신청을 차단해 손실 RMB180백만를 예방한 것으로 추정됩니다.
환경 진전은 연간 5%의 온실가스 배출 감소, 데이터 센터 PUE 1.25, 베이징 사무실의 >90%를 차지하는 에너지 효율 장비를 포함합니다. 회사는 ESG와 결합한 AI를 지속적으로 통합하여 금융 포용성과 지속 가능성을 심화시킬 것이라고 밝혔습니다.
Yiren Digital (NYSE: YRD) a été classée parmi les 10% supérieurs de l’évaluation ESG de S&P Global dans la catégorie « Diversified Financial Services and Capital Markets » le 7 novembre 2025.
Les moteurs clés cités incluent des contrôles de risque et un service client activés par l’IA, des indicateurs concrets d’inclusion financière et des améliorations opérationnelles de l’énergie. En 2024, l’entreprise a facilité 53,6 milliards de RMB de prêts à 4,2 millions d’emprunteurs (dont 14,8 milliards de RMB à 791 400 petits entrepreneurs et 2,8 milliards de RMB à 172 700 entrepreneuses), a fourni >RMB98 milliards de couverture d’assurance pour les travailleurs gig et a bloqué 16 800 demandes de prêt frauduleuses—estimées à prévenir 180 millions de RMB de pertes.
Les progrès environnementaux incluent une baisse de 5% des émissions de gaz à effet primaire, un PUE des data centers de 1,25, et des équipements écoénergétiques couvrant >90% des bureaux de Pékin. L’entreprise a déclaré qu’elle continuera d’intégrer l’IA avec l’ESG pour approfondir l’inclusion financière et la durabilité.
Yiren Digital (NYSE: YRD) wurde am 7. November 2025 in die Top-10% der ESG-Bewertung von S&P Global in der Kategorie „Diversified Financial Services and Capital Markets“ eingestuft.
Zu den wichtigsten Triebfedern zählen KI-gestützte Risikokontrollen und Kundenservice, konkrete Kennzahlen zur finanziellen Inklusion sowie operative Verbesserungen im Energiemanagement. Im Jahr 2024 vermittelte das Unternehmen 53,6 Milliarden RMB an Darlehen an 4,2 Millionen Kreditnehmer (einschließlich 14,8 Milliarden RMB an 791.400 Kleinunternehmer und 2,8 Milliarden RMB an 172.700 weibliche Unternehmerinnen), stellte >98 Milliarden RMB an Versicherungsschutz für Gig-Arbeiter bereit und blockierte 16.800 betrügerische Darlehensanträge—geschätzt zur Vermeidung von 180 Millionen RMB Verlusten.
Umweltfortschritte umfassen einen 5%-igen YoY-Rückgang der Treibhausgasemissionen, einen Rechenzentrum-PUE von 1,25 und energiesparende Geräte, die >90% der Büros in Peking abdecken. Das Unternehmen sagte, es werde weiterhin KI mit ESG integrieren, um die finanzielle Inklusion und Nachhaltigkeit zu vertiefen.
Yiren Digital (NYSE: YRD) وُسِمت ضمن أعلى 10% من تقييم ESG الذي أجرته S&P Global لفئة «Diversified Financial Services and Capital Markets» في 7 نوفمبر 2025.
وتشمل المحركات الرئيسية الموثقة كنُظم التحكم في المخاطر مدعومة بالذكاء الاصطناعي وخدمة العملاء، ومقاييس فعلية للشمول المالي، وتحسينات تشغيلية في الطاقة. في عام 2024 سهّلت الشركة 53.6 مليار يوان صيني RMB كقروض لـ 4.2 مليون مقترض (من بينهم 14.8 مليار RMB لـ 791,400 من رواد الأعمال الصغار و 2.8 مليار RMB لـ 172,700 من رائدات الأعمال)، ووفّرت >98 مليار RMB من التغطية التأمينية للعاملين في وظائف gig، وصدّت 16,800 طلب تمويل احتيالي—يُقدّر أنه حال دون خسائر قدرها 180 مليون RMB.
وتتضمن التقدمات البيئية انخفاضاً بنسبة 5% على أساس سنوي في انبعاثات الغازات الدفيئة، وPUE لمراكز البيانات يصل إلى 1.25، ومعدات كفؤة للطاقة تغطي أكثر من 90% من مكاتبي بكين. وشددت الشركة على أنها ستستمر في دمج الذكاء الاصطناعي مع ESG لتعميق الشمول المالي والاستدامة.
- S&P Global ESG ranking in the top 10% of peers
- Facilitated RMB53.6 billion in loans to 4.2 million borrowers in 2024
- Provided RMB14.8 billion credit to 791,400 small business owners
- Blocked 16,800 fraudulent loan applications, preventing an estimated RMB180 million loss
- Operational emissions down 5% YoY and data center PUE at 1.25
- None.
International Accolade Showcases Yiren Digital's Pioneering Use of AI in Sustainable Fintech
Yiren Digital's innovation and strategic use of artificial intelligence (AI) to advance its ESG objectives are pivotal to this high rating. By embedding AI across operations, the Company has strengthened risk management, improved customer service, and expanded financial inclusion, while reducing its environmental footprint.
AI-Driven Innovations Enhance Risk Management and Customer Protection
A key factor in Yiren Digital's ESG success is its ability to use AI to provide financial solutions to under-served customers without compromising its risk exposure. The key technologies include:
- The Company's proprietary risk management technology "Hawkeye" successfully blocked 16,800 fraudulent loan applications in 2024, preventing an estimated
RMB180 million in losses. - Information security was bolstered through 37 rigorous tests, thwarting millions of malicious attacks in 2024.
- Regulatory approval for the self-developed "Zhiyu" large model enables automation in customer service and contract review.
- The "LingShu Intelligent Marketing Platform" and "Fengchao Intelligent Voice Interaction Platform" were selected as industry case studies for upgrading service efficiency.
Expanding Social Impact Through Inclusive Finance
In 2024, Yiren Digital drove financial access for underserved groups. It facilitated
RMB14.8 billion credit benefiting 791,400 small business owners.RMB2.8 billion in loans to 172,700 female business owners, advancing gender equality.- Insurance products for gig economy workers (e.g., delivery riders and ride-hailing car drivers), delivering over
RMB98 billion in insurance coverage.
Advancements in Green Operations and Finance Support National Climate Goals
Yiren Digital is on track for its 2030 carbon peak and 2060 net-zero targets, with operational efficiencies yielding a
- Over
90% of electrical equipment in itsBeijing offices now meets energy-saving standards, and the power usage effectiveness (PUE) of its data centers has fallen to 1.25, both material improvements compared to the prior year.
The Company also supported green industries through business financing initiatives. In 2024, the Company provided loan facilities totaling
A Track Record of ESG Recognition
This S&P rating is the latest award in Yiren Digital's recognition for its ESG commitments, following accolades such as the People's Daily Social Responsibility Award and its inclusion in the "2024 Top 100 Global Zhejiang Business ESG Classic Cases." Since its 2015 NYSE listing, the Company has consistently integrated AI innovation with its core business strategy to advance sustainable practices. Building on this foundation, Yiren Digital will continue to deepen the synergy between AI and ESG, reinforcing its role in fostering a more inclusive, intelligent, and sustainable future.
About Yiren Digital
Yiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and financial technology innovation across
Safe Harbor Statement
This press release contains forward-looking statements. These statements are based on current expectations and involve known and unknown risks, uncertainties, and other factors that may cause actual results to differ materially. Further information regarding these risks is included in the Company's filings with the
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SOURCE Yiren Digital
FAQ
What did YRD announce on November 7, 2025 about its S&P Global ESG ranking?
How much lending did YRD report for 2024 and how many borrowers were served?
What AI achievements did YRD cite that supported its ESG ranking (YRD)?
What environmental progress did YRD report toward its 2030 and 2060 targets?
How did YRD report supporting small businesses and female entrepreneurs in 2024?
Does YRD provide insurance for gig economy workers and what scale was reported?
