Commitments and Contingencies (Tables)

12 Months Ended

Dec. 31, 2021

Commitments and Contingencies Disclosure [Abstract]

Schedule of the Expected Repayment Amount of the Debt Obligations

The expected repayment amount of the debt obligations are as follows:

	1 – 12 months		13 – 24 months		25 – 36 months		37 – 48 months		49 – 60 months and beyond		Total
	(RMB in thousands)
Funding debts obligations
Liabilities to funding partners		3,101,381		696,852	—		—		—			3,798,233
Interest payments (i)		247,104		48,012	—		—		—			295,116
Total funding debts obligations		3,348,485		744,864		—		—		—		4,093,349
Short–term borrowings		1,799,741	—		—		—		—			1,799,741
Interest payments (i)		40,366	—		—		—		—			40,366
Total short–term borrowings obligations		1,840,107		—		—		—		—		1,840,107
Convertible notes		—		1,912,710		—		—		—		1,912,710
Interest payments (i)		38,254		36,660		—		—		—		74,914
Total convertible notes obligations		38,254		1,949,370		—		—		—		1,987,624
Commitment to purchase delinquent loans (ii)		826,839	—		—		—		—			826,839
Total purchase obligations		826,839		—		—		—		—		826,839

(i)Interest payments with variable interest rates are calculated using the interest rate as of December 31, 2021.

(ii)With respect to the arrangements with certain Institutional Funding Partners, the Group is required to purchase the off-balance sheet loans funded by those Institutional Funding Partners when the loans become delinquent for a certain period of time consecutively or cumulatively. Commitment to purchase delinquent loans represents the Group’s noncancelable obligations to purchase those delinquent loans which is yet to be sold by those Institutional Funding Partners as of December 31, 2021.