Better Health for All

LexinFintech has maintained a perfect safety record regarding data, with no data leakage or customer privacy data breaches since going online, and no confirmed complaints involving violations of customer privacy or loss of customer data.

The company reduced its fraud rate by 90% and recovered over 360 million RMB in user losses as of December 2022. It has obtained ISO/IEC27001:2013 and ISO/IEC27701:2019 certifications for information and privacy management systems. Lexin's offline service team reaches third-, fourth-, and fifth-tier cities, small county towns, and rural areas, with new users from these regions accounting for over 65% of the total. The company invested 583 million RMB in research and development as of the end of the reporting period, integrating large language models to improve efficiency and customer experience. Lexin's Public Welfare Foundation donated 23 million RMB in 2022 for public welfare activities. During the pandemic, Lexin donated RMB25 million to Wuhan for medical supplies in 2020 and to Henan province for flood relief in 2021. The company offers an Employee Assistance Program (EAP) Le Heart Hotline and conducts an annual medical examination for employees. Lexin also established a Consumer Rights Service Center and provides financial education to consumers.

Fair Money & Economic Opportunity

LexinFintech reports that new users in third-, fourth-, and fifth-tier cities accounted for over 65% of its total new users.

The company's weighted average APR is 23.88%. Loans for small and micro businesses exceeded RMB 30 billion in 2024, representing 12% of the RMB 250 billion total loan originations in 2023. The company received the Wealth and Society Corporate Commitment Certificate in 2021 and passed a personal information protection assessment pilot program in 2023. It also states no incidents of customer privacy data breaches or confirmed complaints involving violations of customer privacy or loss of customer data occurred during the reporting period. The 90-day delinquency rate was 2.90% in 2023, and the 90-day+ delinquency ratio for loans was 3.1% in Q2 2025. Lexin Public Welfare Foundation donated a total of 23 million RMB in 2022. The company offers basic financial information on request and promotes rational consumption tips and courses. Lexin's offline service team covers over 300 cities nationwide, including third- and fourth-tier cities, small county towns, and rural areas, covering 311 prefecture-level cities. The company offers a one-click application feature that simplifies the process, increasing efficiency by over 2 times.

Fair Pay & Worker Respect

In 2022, the company's voluntary employee turnover rate was 50.74%.

During the 2022 reporting period, LexinFintech did not discover any violations such as bribery, conflicts of interest, or insider trading, nor was it found to have violated any laws and regulations or experienced any significant instances of non-compliance resulting in fines or non-financial penalties.

Fair Trade & Ethical Sourcing

LexinFintech Holdings Ltd. operates as a fintech company with an online consumer finance platform and an e-commerce platform. The provided articles contain no specific, quantifiable data regarding fair trade certifications, supplier audit frequency, substantiated forced or child labor incidents in the supply chain, supply chain traceability, remediation speed for sourcing violations, the percentage of supplier contracts with enforceable ethical-sourcing clauses, spend on high-risk materials, or supplier diversity spend.

While Article 2 mentions a 'Suppliers: Anti-Bribery Commitment,' it does not provide a percentage of suppliers covered or confirm broader ethical-sourcing clauses. Therefore, no KPIs under Fair Trade & Ethical Sourcing can be scored based on the available evidence.

Honest & Fair Business

LexinFintech reported no significant instances of non-compliance resulting in fines or non-financial penalties during the reporting period.

The company has not had any formal financial restatements, only minor disclosure tweaks. However, its MSCI ESG score is rated as "particularly poor," indicating potential controversies. A whistleblower policy is in place, encouraging reporting and prohibiting retaliation, with a reward mechanism and confidentiality protections, but there is no evidence of independent investigation processes. An anti-corruption policy is in place, including compliance with the U.S. Foreign Corrupt Practices Act (FCPA) and a Code of Business Conduct and Ethics, but training frequency and effectiveness metrics are not specified. While LexinFintech has obtained several ISO and App Security certifications, and its Fenqile shopping mall system has a Classified Protection Evaluation of Information Security – Level 3, the extent of independent verification of ethical claims is not specified beyond these certifications.

Kind to Animals

The provided article, an ESG report for LexinFintech Holdings Ltd., explicitly states that no information was found regarding animal treatment or any other aspects relevant to the 'Kind to Animals' value.

Consequently, no data points were available to assess any of the specified KPIs.

No War, No Weapons

LexinFintech Holdings Ltd. is a fintech company operating an online consumer finance platform.

The provided articles, including its 2022 ESG Report, do not contain any explicit information or data points indicating involvement in arms manufacturing, military contracts, dual-use technologies, or any other defense-related activities. The company's core business model, as described, does not inherently involve such operations. While the ESG report mentions donations to public welfare, poverty alleviation, and youth development (23 million RMB in 2022), these are not explicitly defined as peacebuilding or disarmament initiatives. Therefore, all KPIs related to war and weapons are scored as N/A, reflecting that these activities are not part of the company's core business or disclosed operations.

Planet-Friendly Business

LexinFintech Holdings Ltd., a fintech company, reported extremely low Scope 1 and 2 greenhouse gas emissions totaling 1,718.37 tCO₂e in 2022, which is considered non-material for a services provider.

Similarly, its water usage is deemed minimal for its business model. The company engages in desertification prevention efforts, collaborating with the SEE Foundation to adopt nearly 600 acres of desert land and planning to plant over 44,000 desert-willow trees, and launched a 'Desert Guardians' product with over 300,000 user participations. LexinFintech actively applies simplified and recyclable product packaging and estimates a 9-ton reduction in carbon emissions through collaboration with low-carbon logistics providers.

Safe & Smart Tech

LexinFintech reported no incidents of customer privacy data breaches or confirmed complaints involving violations of customer privacy or loss of customer data.

The company achieved 100% information security training coverage for employees in 2022, with all passing assessments. It holds ISO/IEC27001:2013, ISO/IEC27701:2019, App Security, and Data Security Management Capability Certificates. LexinFintech implements end-to-end encryption for payment data at rest and in transit, utilizing advanced white-box cryptography. The company emphasizes AI ethics, transparency, and fairness, using Explainable AI (XAI) to monitor and mitigate algorithmic bias, particularly in credit scoring. It conducts monthly full scans on core business systems and annual third-party penetration testing. LexinFintech discovered and repaired 383 information security vulnerabilities, affecting 40 employees, and promptly addressed these issues. The company strictly limits data collection scope, processing methods, and retention periods, adhering to data minimization principles. It also follows principles of informed and optional user consent for privacy protection. LexinFintech applies AI dual recording technology to its offline inclusive finance business and has launched LexinGPT based on data bloodline. The company demonstrates strong algorithmic harm remediation, with a 90% reduction in fraud rate, over 70 million anti-fraud security reminders provided in 2022, and 360 million RMB in user losses recovered as of December 2022. It also intercepted 150 million data security attacks.

Zero Waste & Sustainable Products

LexinFintech's 2022 ESG report indicates no significant waste disposal violations for the reporting period.

The company has implemented waste reduction initiatives, including waste categorization and providing recycling bins. Hazardous waste is managed through the provision of battery recycling bins. Additionally, LexinFintech provides customer waste education through recycling webpage upgrades and product labeling.