Recently, the 2025 "China Top 500 Service Enterprises" list was officially announced in Chongqing, with LexinFintech Holdings Ltd. being selected once again, becoming the only company in the fintech industry to be selected for six consecutive years.
The service industry serves as an important engine for economic growth. The "China Top 500 Service Enterprises" list is jointly released by the China Enterprise Confederation and the China Entrepreneur Association, strictly evaluated based on comprehensive indicators including core business data and technological innovation capabilities. This list serves as an important benchmark for measuring domestic service industry development, with selected companies collectively representing the highest level of China's service industry. Other companies selected alongside LexinFintech Holdings Ltd. include industry leaders such as State Grid, Industrial and Commercial Bank of China, Alibaba, and JD.com.
As a leading digital technology service provider for new consumption in China, LexinFintech Holdings Ltd. adheres to a user-centric approach, meeting the differentiated needs of over 200 million high-quality, high-growth customers through diversified ecosystem businesses including installment retail, personal consumer credit, and inclusive finance, thereby promoting consumption growth and serving real economy development.
LexinFintech Holdings Ltd.'s Fenqile Mall focuses on the consumption needs of young users such as the post-95 generation, leveraging scenario advantages and installment features to create trendy installment experiences in merchant introduction and category operations, helping young people lower purchase barriers for flexible installment and easy consumption. The mall has the highest-level authorization from numerous well-known domestic and international brands; has launched innovative service formats such as "Premium Selection" focusing on quality brands and "Factory Store" featuring direct sales from source factories; has established its own logistics warehouses to improve delivery efficiency; and has launched official quality inspection services for multiple categories including cosmetics with "inspect first, ship later" approach. Leveraging credit consumption advantages, Fenqile Mall helps brands and merchants reach high-quality, high-growth consumer groups while deeply exploring young consumers' consumption potential to promote consumption growth.
Small and micro enterprises are the capillaries of China's real economy, but due to their small individual scale and geographical dispersion, their "short, small, frequent, urgent" financial demands often cannot be met promptly. LexinFintech Holdings Ltd.'s Fenqile Inclusive Finance, with its online precise risk control capabilities and service advantages including door-to-door service and fastest 1-minute loan disbursement, is changing the previous situation of "people seeking funds" to achieve "funds seeking people," providing long-term companionship and support for individual and small micro enterprise growth. As of the end of Q2 2025, Fenqile Inclusive Finance's "Believe in Small Dreams" support program has served over 4 million users of various types, with over 70% from tier-4 cities and below, supporting real economy development and China's inclusive finance initiatives.
Years of industry-leading R&D investment have effectively enhanced LexinFintech Holdings Ltd.'s financial service quality and efficiency. LexinFintech Holdings Ltd.'s locally deployed "Singularity" AI large model has been iteratively improved through "data distillation + domain fine-tuning" and has been deeply applied in R&D efficiency improvement, internal tools, and business empowerment; LexinFintech Holdings Ltd.'s self-developed AI agents have launched 50 "AI agent positions" and will expand to over 100 by year-end, while building a collaborative framework to create LexinFintech Holdings Ltd.'s exclusive "compound intelligent agent matrix," supporting more intelligent agents' upgrade from "independent operation" to "group collaboration" and from "local application" to "ecosystem-level collaboration."
Being selected for the Top 500 Service Enterprises list for the sixth consecutive time undoubtedly affirms LexinFintech Holdings Ltd.'s comprehensive strength including AI innovation. In the future, LexinFintech Holdings Ltd. will continue to strengthen R&D investment and enhance technical capabilities to create better and safer consumption experiences for consumers and contribute more value to serving the real economy and promoting consumption growth.