中国警方在两家关联投资平台逾四个月未向大陆投资者偿还款项后，拘留了美国上市的中国数字贷款机构易鑫集团的一名控制人。
Police in China have detained a controller of Yiren Digital, a US-listed Chinese digital lender, after two related investment platforms failed to repay mainland investors for over four months.
北京市公安局周一在一则通告中称，近期已对与易贷相关的公司立案开展正式刑事调查，因涉嫌非法活动，已拘留包括姓唐的53岁男性和姓赵的51岁女性在内的控制人。
The Beijing Municipal Public Security Bureau said that it had recently launched an official criminal investigation into relevant companies associated with CreditEase over suspected illegal activities and had arrested controllers, including a 53-year-old male with the surname Tang and a 51-year-old female surnamed Zhao, according to a notice on Monday.
2015年，易鑫作为易贷的消费贷款业务板块在纽约证券交易所上市。易贷成立于2006年，唐宁是易贷和易鑫的创始人及控股股东。
In 2015, Yiren went public on the New York Stock Exchange as a consumer loan arm of CreditEase, which was established in 2006. Tang Ning is the founder and controlling shareholder of both CreditEase and Yiren.
该通告发布的前一天，易贷宣布其两项资产管理平台上的类固定收益产品出现“重大违约”，此前该公司于5月22日决定全面暂停这些产品的偿还。公司将此决定归因于普惠金融和财富管理业务的规模缩减和业绩不佳。
The notice came one day after CreditEase announced “a material default” on fixed-income-like products on two of its asset management platforms, after deciding to fully suspend repayments on the products on May 22. The firm attributed the decision to the scale-down and underperformance of inclusive finance and wealth management businesses.
“集团可能资产负债表出现破产，面临显著的债务缺口，”易贷在周日给高净值投资者的一份通知中表示，此前公司未能在市场上处置“低质量”的底层资产。
“The group may be balance-sheet insolvent, facing a significant debt shortfall,” CreditEase told high-net-worth investors in a note on Sunday, after failing to dispose of “poor quality” underlying assets in the markets.
截至目前，尚未有官方披露偿还规模，但根据中国媒体报道，未偿还金额估计在300亿元人民币（约合45亿美元）至500亿元人民币之间。
No official disclosure on the repayment scale was given so far, though the outstanding amount was estimated to be between 30 billion yuan (US$4.5 billion) and 50 billion yuan, according to Chinese media reports.
就在媒体于5月报道易贷之后，易鑫在一份声明中表示，其为独立公司，拥有独立于控股股东的管理团队和运营体系。易鑫确认，违约产品由“控股股东的关联公司”提供。
Following media reports on CreditEase in May, Yiren said in a statement that it was an independent company with a separate management team and operations from its controlling shareholder. It confirmed the defaulted products were offered by “affiliates of the company’s controlling shareholder”.
在Yiren于9月底发布的第二季度业绩中，唐表示公司对信贷解决方案业务保持“纪律性方法”，并看到后期逾期率出现“改善”。Yiren未能立即回应《南华早报》的置评请求。
In Yiren’s second-quarter results released at the end of September, Tang said the firm maintained “a disciplined approach” to the credit solution business and saw an “improvement” in later-stage delinquency rates. Yiren did not immediately respond to the request for comments from the South China Morning Post.
北京警方周一表示，控制人唐和赵被采取强制性刑事措施，并补充称受影响的投资者可报案以协助调查和资产追回。
Controllers Tang and Zhao were subjected to mandatory criminal measures, Beijing police said on Monday, adding that affected investors could report their cases for the investigation and asset recovery.
CreditEase周日表示，将继续依法应对与类固定收益产品相关的风险，加快向投资者公平赔付，同时保持贷款撮合及其他持牌业务的稳定运营。公司称将尝试加速不良贷款的收回和有价值资产的变现。
CreditEase said on Sunday that it remained committed to addressing the risks associated with fixed-income-like products in accordance with the law and expediting a fair payout to investors, while maintaining stable operations in loan-facilitation and other licensed businesses. It said it would attempt to accelerate the recovery of non-performing loans and the liquidation of valuable assets.