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Yiren Digital Ltd. – ‘20-F’ for 12/31/15 – ‘EX-101.LAB’

On: Wednesday, 4/27/16, at 9:09am ET · For: 12/31/15 · Accession #: 1144204-16-96479 · File #: 1-37657

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/27/16  Yiren Digital Ltd.                20-F       12/31/15   79:7.6M                                   Toppan Merrill/FA

Annual Report by a Foreign Non-Canadian Issuer — Form 20-F — Sect. 13 / 15(d) – SEA’34
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 20-F        Annual Report by a Foreign Non-Canadian Issuer      HTML   1.24M 
 2: EX-8.1      Opinion of Counsel re: Tax Matters                  HTML     23K 
 5: EX-13.1     Annual or Quarterly Report to Security Holders      HTML     23K 
 6: EX-13.2     Annual or Quarterly Report to Security Holders      HTML     23K 
 3: EX-12.1     Statement re: Computation of Ratios                 HTML     26K 
 4: EX-12.2     Statement re: Computation of Ratios                 HTML     26K 
 7: EX-15.1     Letter re: Unaudited Interim Financial Info         HTML     22K 
14: R1          Document and Entity Information                     HTML     45K 
15: R2          Consolidated Balance Sheets                         HTML     93K 
16: R3          Consolidated Balance Sheets (Parenthetical)         HTML     62K 
17: R4          Consolidated Statements of Operations               HTML     58K 
18: R5          Consolidated Statements of Comprehensive Income or  HTML     36K 
                Loss                                                             
19: R6          Consolidated Statements of Changes in Equity        HTML     58K 
20: R7          Consolidated Statements of Changes in Equity        HTML     27K 
                (Parenthetical)                                                  
21: R8          Consolidated Statements of Cash Flows               HTML    104K 
22: R9          Organization and Principal Activities               HTML     53K 
23: R10         Summary of Significant Accounting Policies          HTML    201K 
24: R11         Prepaid Expense and Other Assets                    HTML     32K 
25: R12         Fair Value of Assets and Liabilities                HTML     60K 
26: R13         Short-Term Investments                              HTML     43K 
27: R14         Property, Equipment and Software, Net               HTML     34K 
28: R15         Accrued Expenses and Other Liabilities              HTML     34K 
29: R16         Fair Value of Liabilities From Financial Guarantee  HTML     28K 
                Associated to Risk Reserve Fund                                  
30: R17         Related Party Balances and Transactions             HTML     55K 
31: R18         Income Taxes                                        HTML     56K 
32: R19         Net (Loss)/Income Per Share and Net (Loss)/Income   HTML     35K 
                Attributable to Common Stockholders                              
33: R20         Segment Information                                 HTML     32K 
34: R21         Employee Benefit Plan                               HTML     26K 
35: R22         Statutory Reserves and Restricted Net Assets        HTML     29K 
36: R23         Commitments and Contingencies                       HTML     30K 
37: R24         Subsequent Events                                   HTML     28K 
38: R25         Schedule 1                                          HTML    133K 
39: R26         Summary of Significant Accounting Policies          HTML    253K 
                (Policies)                                                       
40: R27         Organization and Principal Activities (Tables)      HTML     39K 
41: R28         Summary of Significant Accounting Policies          HTML     87K 
                (Tables)                                                         
42: R29         Prepaid Expense and Other Assets (Tables)           HTML     32K 
43: R30         Fair Value of Assets and Liabilities (Tables)       HTML     57K 
44: R31         Short-Term Investments (Tables)                     HTML     38K 
45: R32         Property, Equipment and Software, Net (Tables)      HTML     32K 
46: R33         Accrued Expenses and Other Liabilities (Tables)     HTML     33K 
47: R34         Related Party Balances and Transactions (Tables)    HTML     40K 
48: R35         Income Taxes (Tables)                               HTML     50K 
49: R36         Net (Loss)/Income Per Share and Net (Loss)/Income   HTML     32K 
                Attributable to Common Stockholders (Tables)                     
50: R37         Commitments and Contingencies (Tables)              HTML     28K 
51: R38         Schedule 1 (Tables)                                 HTML    132K 
52: R39         Organization and Principal Activities (Summary of   HTML     39K 
                Major Subsidiaries and VIE) (Details)                            
53: R40         Organization and Principal Activities (Narrative)   HTML     66K 
                (Details)                                                        
54: R41         Summary of Significant Accounting Policies          HTML     66K 
                (Narrative and Other) (Details)                                  
55: R42         Summary of Significant Accounting Policies          HTML    116K 
                (Schedule of VIE Amounts and Balances included in                
                the Accompanying Consolidated Financial                          
                Statements) (Details)                                            
56: R43         Prepaid Expense and Other Assets (Details)          HTML     37K 
57: R44         Fair Value of Assets and Liabilities (Schedule of   HTML     47K 
                the Fair Value Hierarchy) (Details)                              
58: R45         Fair Value of Assets and Liabilities (Summary of    HTML     31K 
                Significant Unobservable Inputs) (Details)                       
59: R46         Fair Value of Assets and Liabilities (Schedule of   HTML     52K 
                Additional Information) (Details)                                
60: R47         Short-Term Investments (Details)                    HTML     43K 
61: R48         Property, Equipment and Software, Net (Details)     HTML     43K 
62: R49         Accrued Expenses and Other Liabilities (Details)    HTML     44K 
63: R50         Related Party Balances and Transactions (Details)   HTML     64K 
64: R51         Income Taxes (Reconciliation of the Statutory       HTML     48K 
                Income Tax Rate to Income Tax Expense) (Details)                 
65: R52         Income Taxes (Schedule of Income Tax Expense)       HTML     33K 
                (Details)                                                        
66: R53         Income Taxes (Schedule of Deferred Tax Assets)      HTML     37K 
                (Details)                                                        
67: R54         Net (Loss)/Income Per Share and Net (Loss)/Income   HTML     32K 
                Attributable to Common Stockholders (Details)                    
68: R55         Employee Benefit Plan (Details)                     HTML     25K 
69: R56         Statutory Reserves and Restricted Net Assets        HTML     31K 
                (Details)                                                        
70: R57         Commitments and Contingencies (Details)             HTML     40K 
71: R58         Subsequent Events (Details)                         HTML     41K 
72: R59         Schedule 1 (Condensed Balance Sheets) (Details)     HTML     84K 
73: R60         Schedule 1 (Condensed Statements of Operations)     HTML     40K 
                (Details)                                                        
74: R61         Schedule 1 (Condensed Statements of Comprehensive   HTML     40K 
                Income or Loss) (Details)                                        
75: R62         Schedule 1 (Condensed Statements of Changes in      HTML    107K 
                Equity) (Details)                                                
76: R63         Schedule 1 (CONDENSED STATEMENTS of CASH FLOW)      HTML     77K 
                (Details)                                                        
78: XML         IDEA XML File -- Filing Summary                      XML    133K 
77: EXCEL       IDEA Workbook of Financial Reports                  XLSX     92K 
 8: EX-101.INS  XBRL Instance -- yrd-20151231                        XML   1.71M 
10: EX-101.CAL  XBRL Calculations -- yrd-20151231_cal                XML    209K 
11: EX-101.DEF  XBRL Definitions -- yrd-20151231_def                 XML    464K 
12: EX-101.LAB  XBRL Labels -- yrd-20151231_lab                      XML   1.47M 
13: EX-101.PRE  XBRL Presentations -- yrd-20151231_pre               XML    904K 
 9: EX-101.SCH  XBRL Schema -- yrd-20151231                          XSD    145K 
79: ZIP         XBRL Zipped Folder -- 0001144204-16-096479-xbrl      Zip    184K

‘EX-101.LAB’ — XBRL Labels — yrd-20151231_lab

This Exhibit is an XBRL XML File.

<?xml version="1.0" standalone="yes" encoding="windows-1252"?>

<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">

<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel"/>

<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel"/>

<link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel"/>

<link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_StatutoryReservesAndRestrictedNetAssetsAbstract" xlink:label="yrd_StatutoryReservesAndRestrictedNetAssetsAbstract" xlink:title="yrd_StatutoryReservesAndRestrictedNetAssetsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract" xml:lang="en-US" id="label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract"> Statutory Reserves and Restricted Net Assets [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StatutoryReservesAndRestrictedNetAssetsAbstract" xlink:to="label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract" xlink:title="Label : yrd_StatutoryReservesAndRestrictedNetAssetsAbstract to label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract_1" xml:lang="en-US" id="label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract_1"> STATUTORY RESERVES AND RESTRICTED NET ASSETS [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StatutoryReservesAndRestrictedNetAssetsAbstract" xlink:to="label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract_1" xlink:title="Label : yrd_StatutoryReservesAndRestrictedNetAssetsAbstract to label_yrd_StatutoryReservesAndRestrictedNetAssetsAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock" xlink:label="yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock" xlink:title="yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock" xml:lang="en-US" id="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock"> Entire disclosure for statutory reserves and restricted net assets. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock" xlink:to="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock" xlink:title="Label : yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock to label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_1" xml:lang="en-US" id="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_1"> Statutory Reserves and Restricted Net Assets Disclosure [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock" xlink:to="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_1" xlink:title="Label : yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock to label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_2" xml:lang="en-US" id="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_2"> STATUTORY RESERVES AND RESTRICTED NET ASSETS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock" xlink:to="label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_2" xlink:title="Label : yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock to label_yrd_StatutoryReservesAndRestrictedNetAssetsDisclosureTextBlock_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations" xlink:label="yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations" xlink:title="yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations" xml:lang="en-US" id="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations"> The amount of statutory capital and surplus appropriations during the period. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations" xlink:to="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations" xlink:title="Label : yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations to label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_1" xml:lang="en-US" id="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_1"> Statutory Accounting Practices, Statutory Capital and Surplus, Appropriations </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations" xlink:to="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_1" xlink:title="Label : yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations to label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_2" xml:lang="en-US" id="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_2"> Appropriations to the enterprise expansion reserve and staff welfare and bonus reserve </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations" xlink:to="label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_2" xlink:title="Label : yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations to label_yrd_StatutoryAccountingPracticesStatutoryCapitalAndSurplusAppropriations_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_PrepaymentsAndOtherCurrentAssetsTextBlock" xlink:label="yrd_PrepaymentsAndOtherCurrentAssetsTextBlock" xlink:title="yrd_PrepaymentsAndOtherCurrentAssetsTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock" xml:lang="en-US" id="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock"> Entire disclosure for assets related to consideration paid in advance for costs that provide economic benefit in future periods, and amount of other assets that are expected to be realized or consumed within one year or the normal operating cycle, if longer. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PrepaymentsAndOtherCurrentAssetsTextBlock" xlink:to="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock" xlink:title="Label : yrd_PrepaymentsAndOtherCurrentAssetsTextBlock to label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_1" xml:lang="en-US" id="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_1"> Prepayments and Other Current Assets [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PrepaymentsAndOtherCurrentAssetsTextBlock" xlink:to="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_1" xlink:title="Label : yrd_PrepaymentsAndOtherCurrentAssetsTextBlock to label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_2" xml:lang="en-US" id="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_2"> PREPAID EXPENSE AND OTHER ASSETS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PrepaymentsAndOtherCurrentAssetsTextBlock" xlink:to="label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_2" xlink:title="Label : yrd_PrepaymentsAndOtherCurrentAssetsTextBlock to label_yrd_PrepaymentsAndOtherCurrentAssetsTextBlock_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock" xlink:label="yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock" xlink:title="yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock" xml:lang="en-US" id="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock"> Tabular disclosure for assets related to consideration paid in advance for costs that provide economic benefit in future periods, and amount of other assets that are expected to be realized or consumed within one year or the normal operating cycle, if longer. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock" xlink:to="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock" xlink:title="Label : yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock to label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_1" xml:lang="en-US" id="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_1"> Schedule of Prepayments and Other Current Assets [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock" xlink:to="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_1" xlink:title="Label : yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock to label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_2" xml:lang="en-US" id="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_2"> Schedule of Prepaid Expense and Other Assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock" xlink:to="label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_2" xlink:title="Label : yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock to label_yrd_ScheduleOfPrepaymentsAndOtherCurrentAssetsTableTextBlock_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_FundsReceivable" xlink:label="yrd_FundsReceivable" xlink:title="yrd_FundsReceivable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundsReceivable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_FundsReceivable" xml:lang="en-US" id="label_yrd_FundsReceivable"> Balance of funds receivable consisting of funds received from investors but not yet transferred to accounts of borrowers by external payment network providers due to the settlement time lag, repayment of loan principal and interest amounts received from borrowers but not yet transferred to accounts of investors by external payment network due to the settlement time lag, and accumulated amounts of transaction fee, service fee received, payment and collection of default loan and interest at the balance sheet date. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundsReceivable" xlink:to="label_yrd_FundsReceivable" xlink:title="Label : yrd_FundsReceivable to label_yrd_FundsReceivable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundsReceivable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_FundsReceivable_1" xml:lang="en-US" id="label_yrd_FundsReceivable_1"> Funds Receivable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundsReceivable" xlink:to="label_yrd_FundsReceivable_1" xlink:title="Label : yrd_FundsReceivable to label_yrd_FundsReceivable_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundsReceivable_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_FundsReceivable_2" xml:lang="en-US" id="label_yrd_FundsReceivable_2"> Funds receivable from external payment network providers </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundsReceivable" xlink:to="label_yrd_FundsReceivable_2" xlink:title="Label : yrd_FundsReceivable to label_yrd_FundsReceivable_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_FundsPayable" xlink:label="yrd_FundsPayable" xlink:title="yrd_FundsPayable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundsPayable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_FundsPayable" xml:lang="en-US" id="label_yrd_FundsPayable"> Balance of funds payable, including funds payable to investors or borrowers due to the settlement time lag by external payment network. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundsPayable" xlink:to="label_yrd_FundsPayable" xlink:title="Label : yrd_FundsPayable to label_yrd_FundsPayable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundsPayable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_FundsPayable_1" xml:lang="en-US" id="label_yrd_FundsPayable_1"> Funds Payable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundsPayable" xlink:to="label_yrd_FundsPayable_1" xlink:title="Label : yrd_FundsPayable to label_yrd_FundsPayable_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundsPayable_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_FundsPayable_2" xml:lang="en-US" id="label_yrd_FundsPayable_2"> Fund payable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundsPayable" xlink:to="label_yrd_FundsPayable_2" xlink:title="Label : yrd_FundsPayable to label_yrd_FundsPayable_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_CapitalContributions" xlink:label="yrd_CapitalContributions" xlink:title="yrd_CapitalContributions"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CapitalContributions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_CapitalContributions" xml:lang="en-US" id="label_yrd_CapitalContributions"> Contributions of capital made by the owner. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CapitalContributions" xlink:to="label_yrd_CapitalContributions" xlink:title="Label : yrd_CapitalContributions to label_yrd_CapitalContributions"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CapitalContributions_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_CapitalContributions_1" xml:lang="en-US" id="label_yrd_CapitalContributions_1"> Capital Contributions </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CapitalContributions" xlink:to="label_yrd_CapitalContributions_1" xlink:title="Label : yrd_CapitalContributions to label_yrd_CapitalContributions_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CapitalContributions_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_CapitalContributions_2" xml:lang="en-US" id="label_yrd_CapitalContributions_2"> Capital contribution by owner </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CapitalContributions" xlink:to="label_yrd_CapitalContributions_2" xlink:title="Label : yrd_CapitalContributions to label_yrd_CapitalContributions_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_DocumentAndEntityInformationAbstract" xlink:label="yrd_DocumentAndEntityInformationAbstract" xlink:title="yrd_DocumentAndEntityInformationAbstract"/>

<link:label xlink:type="resource" xlink:label="label_yrd_DocumentAndEntityInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_DocumentAndEntityInformationAbstract" xml:lang="en-US" id="label_yrd_DocumentAndEntityInformationAbstract"> Document and Entity Information [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_DocumentAndEntityInformationAbstract" xlink:to="label_yrd_DocumentAndEntityInformationAbstract" xlink:title="Label : yrd_DocumentAndEntityInformationAbstract to label_yrd_DocumentAndEntityInformationAbstract"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_IncreaseDecreaseInDueFromToRelatedParties" xlink:label="yrd_IncreaseDecreaseInDueFromToRelatedParties" xlink:title="yrd_IncreaseDecreaseInDueFromToRelatedParties"/>

<link:label xlink:type="resource" xlink:label="label_yrd_IncreaseDecreaseInDueFromToRelatedParties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_IncreaseDecreaseInDueFromToRelatedParties" xml:lang="en-US" id="label_yrd_IncreaseDecreaseInDueFromToRelatedParties"> The increase (decrease) during the reporting period in receivables to be collected from (paid to) other entities that could exert significant influence over the reporting entity. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_IncreaseDecreaseInDueFromToRelatedParties" xlink:to="label_yrd_IncreaseDecreaseInDueFromToRelatedParties" xlink:title="Label : yrd_IncreaseDecreaseInDueFromToRelatedParties to label_yrd_IncreaseDecreaseInDueFromToRelatedParties"/>

<link:label xlink:type="resource" xlink:label="label_yrd_IncreaseDecreaseInDueFromToRelatedParties_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_IncreaseDecreaseInDueFromToRelatedParties_1" xml:lang="en-US" id="label_yrd_IncreaseDecreaseInDueFromToRelatedParties_1"> Increase (Decrease) in Due from (to) Related Parties </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_IncreaseDecreaseInDueFromToRelatedParties" xlink:to="label_yrd_IncreaseDecreaseInDueFromToRelatedParties_1" xlink:title="Label : yrd_IncreaseDecreaseInDueFromToRelatedParties to label_yrd_IncreaseDecreaseInDueFromToRelatedParties_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_IncreaseDecreaseInDueFromToRelatedParties_2" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_yrd_IncreaseDecreaseInDueFromToRelatedParties_2" xml:lang="en-US" id="label_yrd_IncreaseDecreaseInDueFromToRelatedParties_2"> Amounts due from/to related parties </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_IncreaseDecreaseInDueFromToRelatedParties" xlink:to="label_yrd_IncreaseDecreaseInDueFromToRelatedParties_2" xlink:title="Label : yrd_IncreaseDecreaseInDueFromToRelatedParties to label_yrd_IncreaseDecreaseInDueFromToRelatedParties_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:title="dei_AmendmentFlag"/>

<link:label xlink:type="resource" xlink:label="label_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_AmendmentFlag" xml:lang="en-US" id="label_dei_AmendmentFlag"> Amendment Flag </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="label_dei_AmendmentFlag" xlink:title="Label : dei_AmendmentFlag to label_dei_AmendmentFlag"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ProceedsFromOwnerContribution" xlink:label="yrd_ProceedsFromOwnerContribution" xlink:title="yrd_ProceedsFromOwnerContribution"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromOwnerContribution" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ProceedsFromOwnerContribution" xml:lang="en-US" id="label_yrd_ProceedsFromOwnerContribution"> The cash inflow from the capital received in cash from an owner during the period. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromOwnerContribution" xlink:to="label_yrd_ProceedsFromOwnerContribution" xlink:title="Label : yrd_ProceedsFromOwnerContribution to label_yrd_ProceedsFromOwnerContribution"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromOwnerContribution_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ProceedsFromOwnerContribution_1" xml:lang="en-US" id="label_yrd_ProceedsFromOwnerContribution_1"> Proceeds from Owner Contribution </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromOwnerContribution" xlink:to="label_yrd_ProceedsFromOwnerContribution_1" xlink:title="Label : yrd_ProceedsFromOwnerContribution to label_yrd_ProceedsFromOwnerContribution_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromOwnerContribution_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ProceedsFromOwnerContribution_2" xml:lang="en-US" id="label_yrd_ProceedsFromOwnerContribution_2"> Cash contribution from owner </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromOwnerContribution" xlink:to="label_yrd_ProceedsFromOwnerContribution_2" xlink:title="Label : yrd_ProceedsFromOwnerContribution to label_yrd_ProceedsFromOwnerContribution_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_LoanFacilitationServiceRevenue" xlink:label="yrd_LoanFacilitationServiceRevenue" xlink:title="yrd_LoanFacilitationServiceRevenue"/>

<link:label xlink:type="resource" xlink:label="label_yrd_LoanFacilitationServiceRevenue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_LoanFacilitationServiceRevenue" xml:lang="en-US" id="label_yrd_LoanFacilitationServiceRevenue"> Revenue from fees for facilitating loan origination. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_LoanFacilitationServiceRevenue" xlink:to="label_yrd_LoanFacilitationServiceRevenue" xlink:title="Label : yrd_LoanFacilitationServiceRevenue to label_yrd_LoanFacilitationServiceRevenue"/>

<link:label xlink:type="resource" xlink:label="label_yrd_LoanFacilitationServiceRevenue_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_LoanFacilitationServiceRevenue_1" xml:lang="en-US" id="label_yrd_LoanFacilitationServiceRevenue_1"> Loan Facilitation Service Revenue </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_LoanFacilitationServiceRevenue" xlink:to="label_yrd_LoanFacilitationServiceRevenue_1" xlink:title="Label : yrd_LoanFacilitationServiceRevenue to label_yrd_LoanFacilitationServiceRevenue_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_LoanFacilitationServiceRevenue_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_LoanFacilitationServiceRevenue_2" xml:lang="en-US" id="label_yrd_LoanFacilitationServiceRevenue_2"> Loan facilitation service </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_LoanFacilitationServiceRevenue" xlink:to="label_yrd_LoanFacilitationServiceRevenue_2" xlink:title="Label : yrd_LoanFacilitationServiceRevenue to label_yrd_LoanFacilitationServiceRevenue_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_PostOriginationServiceRevenue" xlink:label="yrd_PostOriginationServiceRevenue" xlink:title="yrd_PostOriginationServiceRevenue"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PostOriginationServiceRevenue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_PostOriginationServiceRevenue" xml:lang="en-US" id="label_yrd_PostOriginationServiceRevenue"> Revenue from services provided after loan origination. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PostOriginationServiceRevenue" xlink:to="label_yrd_PostOriginationServiceRevenue" xlink:title="Label : yrd_PostOriginationServiceRevenue to label_yrd_PostOriginationServiceRevenue"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PostOriginationServiceRevenue_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_PostOriginationServiceRevenue_1" xml:lang="en-US" id="label_yrd_PostOriginationServiceRevenue_1"> Post Origination Service Revenue </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PostOriginationServiceRevenue" xlink:to="label_yrd_PostOriginationServiceRevenue_1" xlink:title="Label : yrd_PostOriginationServiceRevenue to label_yrd_PostOriginationServiceRevenue_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PostOriginationServiceRevenue_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_PostOriginationServiceRevenue_2" xml:lang="en-US" id="label_yrd_PostOriginationServiceRevenue_2"> Post-origination service </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PostOriginationServiceRevenue" xlink:to="label_yrd_PostOriginationServiceRevenue_2" xlink:title="Label : yrd_PostOriginationServiceRevenue to label_yrd_PostOriginationServiceRevenue_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_OriginationAndServicingCosts" xlink:label="yrd_OriginationAndServicingCosts" xlink:title="yrd_OriginationAndServicingCosts"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OriginationAndServicingCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_OriginationAndServicingCosts" xml:lang="en-US" id="label_yrd_OriginationAndServicingCosts"> Costs associated with loan origination and servicing during the period. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OriginationAndServicingCosts" xlink:to="label_yrd_OriginationAndServicingCosts" xlink:title="Label : yrd_OriginationAndServicingCosts to label_yrd_OriginationAndServicingCosts"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OriginationAndServicingCosts_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_OriginationAndServicingCosts_1" xml:lang="en-US" id="label_yrd_OriginationAndServicingCosts_1"> Origination and Servicing Costs </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OriginationAndServicingCosts" xlink:to="label_yrd_OriginationAndServicingCosts_1" xlink:title="Label : yrd_OriginationAndServicingCosts to label_yrd_OriginationAndServicingCosts_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OriginationAndServicingCosts_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_OriginationAndServicingCosts_2" xml:lang="en-US" id="label_yrd_OriginationAndServicingCosts_2"> Origination and servicing </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OriginationAndServicingCosts" xlink:to="label_yrd_OriginationAndServicingCosts_2" xlink:title="Label : yrd_OriginationAndServicingCosts to label_yrd_OriginationAndServicingCosts_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_CondensedStatementOfChangesInEquityTableTextBlock" xlink:label="yrd_CondensedStatementOfChangesInEquityTableTextBlock" xlink:title="yrd_CondensedStatementOfChangesInEquityTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock" xml:lang="en-US" id="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock"> Tabular disclosure of condensed statement of changes in equity. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CondensedStatementOfChangesInEquityTableTextBlock" xlink:to="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock" xlink:title="Label : yrd_CondensedStatementOfChangesInEquityTableTextBlock to label_yrd_CondensedStatementOfChangesInEquityTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_1" xml:lang="en-US" id="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_1"> Condensed Statements of Changes in Equity [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CondensedStatementOfChangesInEquityTableTextBlock" xlink:to="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_1" xlink:title="Label : yrd_CondensedStatementOfChangesInEquityTableTextBlock to label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_2" xml:lang="en-US" id="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_2"> CONDENSED STATEMENTS OF CHANGES IN EQUITY </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CondensedStatementOfChangesInEquityTableTextBlock" xlink:to="label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_2" xlink:title="Label : yrd_CondensedStatementOfChangesInEquityTableTextBlock to label_yrd_CondensedStatementOfChangesInEquityTableTextBlock_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock" xlink:label="yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock" xlink:title="yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock" xml:lang="en-US" id="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock"> Tabular disclosure for useful life information of property and equipment. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock" xlink:to="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock" xlink:title="Label : yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock to label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_1" xml:lang="en-US" id="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_1"> Schedule of Property and Equipment Useful Life [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock" xlink:to="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_1" xlink:title="Label : yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock to label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_2" xml:lang="en-US" id="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_2"> Schedule of Property and Equipment Useful Life </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock" xlink:to="label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_2" xlink:title="Label : yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock to label_yrd_ScheduleOfPropertyAndEquipmentUsefulLifeTableTextBlock_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_OrganizationAndConsolidationTableTextBlock" xlink:label="yrd_OrganizationAndConsolidationTableTextBlock" xlink:title="yrd_OrganizationAndConsolidationTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrganizationAndConsolidationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_OrganizationAndConsolidationTableTextBlock" xml:lang="en-US" id="label_yrd_OrganizationAndConsolidationTableTextBlock"> Tabular disclosure for organization and consolidation. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrganizationAndConsolidationTableTextBlock" xlink:to="label_yrd_OrganizationAndConsolidationTableTextBlock" xlink:title="Label : yrd_OrganizationAndConsolidationTableTextBlock to label_yrd_OrganizationAndConsolidationTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrganizationAndConsolidationTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_OrganizationAndConsolidationTableTextBlock_1" xml:lang="en-US" id="label_yrd_OrganizationAndConsolidationTableTextBlock_1"> Organization and Consolidation [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrganizationAndConsolidationTableTextBlock" xlink:to="label_yrd_OrganizationAndConsolidationTableTextBlock_1" xlink:title="Label : yrd_OrganizationAndConsolidationTableTextBlock to label_yrd_OrganizationAndConsolidationTableTextBlock_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrganizationAndConsolidationTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_OrganizationAndConsolidationTableTextBlock_2" xml:lang="en-US" id="label_yrd_OrganizationAndConsolidationTableTextBlock_2"> Summary of Consolidation </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrganizationAndConsolidationTableTextBlock" xlink:to="label_yrd_OrganizationAndConsolidationTableTextBlock_2" xlink:title="Label : yrd_OrganizationAndConsolidationTableTextBlock to label_yrd_OrganizationAndConsolidationTableTextBlock_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_CreditEaseMember" xlink:label="yrd_CreditEaseMember" xlink:title="yrd_CreditEaseMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CreditEaseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_CreditEaseMember" xml:lang="en-US" id="label_yrd_CreditEaseMember"> Parent Company of the Group </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CreditEaseMember" xlink:to="label_yrd_CreditEaseMember" xlink:title="Label : yrd_CreditEaseMember to label_yrd_CreditEaseMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CreditEaseMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_CreditEaseMember_1" xml:lang="en-US" id="label_yrd_CreditEaseMember_1"> CreditEase [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CreditEaseMember" xlink:to="label_yrd_CreditEaseMember_1" xlink:title="Label : yrd_CreditEaseMember to label_yrd_CreditEaseMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_BeijingZhichengMember" xlink:label="yrd_BeijingZhichengMember" xlink:title="yrd_BeijingZhichengMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BeijingZhichengMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_BeijingZhichengMember" xml:lang="en-US" id="label_yrd_BeijingZhichengMember"> Beijing Zhicheng Credit Service Co., Ltd. ("Beijing Zhicheng"), consolidated VIE of CreditEase </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BeijingZhichengMember" xlink:to="label_yrd_BeijingZhichengMember" xlink:title="Label : yrd_BeijingZhichengMember to label_yrd_BeijingZhichengMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BeijingZhichengMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_BeijingZhichengMember_1" xml:lang="en-US" id="label_yrd_BeijingZhichengMember_1"> Beijing Zhicheng [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BeijingZhichengMember" xlink:to="label_yrd_BeijingZhichengMember_1" xlink:title="Label : yrd_BeijingZhichengMember to label_yrd_BeijingZhichengMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_CreditEaseZhuoyueMember" xlink:label="yrd_CreditEaseZhuoyueMember" xlink:title="yrd_CreditEaseZhuoyueMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CreditEaseZhuoyueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_CreditEaseZhuoyueMember" xml:lang="en-US" id="label_yrd_CreditEaseZhuoyueMember"> CreditEase Zhuoyue Wealth Investment & Management (Beijing) Co., Ltd. ("CreditEase Zhuoyue"), a consolidated VIE of CreditEase </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CreditEaseZhuoyueMember" xlink:to="label_yrd_CreditEaseZhuoyueMember" xlink:title="Label : yrd_CreditEaseZhuoyueMember to label_yrd_CreditEaseZhuoyueMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CreditEaseZhuoyueMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_CreditEaseZhuoyueMember_1" xml:lang="en-US" id="label_yrd_CreditEaseZhuoyueMember_1"> CreditEase Zhuoyue [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CreditEaseZhuoyueMember" xlink:to="label_yrd_CreditEaseZhuoyueMember_1" xlink:title="Label : yrd_CreditEaseZhuoyueMember to label_yrd_CreditEaseZhuoyueMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_PuxinHengyeMember" xlink:label="yrd_PuxinHengyeMember" xlink:title="yrd_PuxinHengyeMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PuxinHengyeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_PuxinHengyeMember" xml:lang="en-US" id="label_yrd_PuxinHengyeMember"> Puxin Hengye Technology Development (Beijing) Co., Ltd. ("Puxin Hengye"), a subsidiary of CreditEase </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PuxinHengyeMember" xlink:to="label_yrd_PuxinHengyeMember" xlink:title="Label : yrd_PuxinHengyeMember to label_yrd_PuxinHengyeMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PuxinHengyeMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_PuxinHengyeMember_1" xml:lang="en-US" id="label_yrd_PuxinHengyeMember_1"> Puxin Hengye [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PuxinHengyeMember" xlink:to="label_yrd_PuxinHengyeMember_1" xlink:title="Label : yrd_PuxinHengyeMember to label_yrd_PuxinHengyeMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_CreditEasePuhuiMember" xlink:label="yrd_CreditEasePuhuiMember" xlink:title="yrd_CreditEasePuhuiMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CreditEasePuhuiMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_CreditEasePuhuiMember" xml:lang="en-US" id="label_yrd_CreditEasePuhuiMember"> CreditEase Puhui, a consolidated VIE of CreditEase </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CreditEasePuhuiMember" xlink:to="label_yrd_CreditEasePuhuiMember" xlink:title="Label : yrd_CreditEasePuhuiMember to label_yrd_CreditEasePuhuiMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CreditEasePuhuiMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_CreditEasePuhuiMember_1" xml:lang="en-US" id="label_yrd_CreditEasePuhuiMember_1"> CreditEase Puhui [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CreditEasePuhuiMember" xlink:to="label_yrd_CreditEasePuhuiMember_1" xlink:title="Label : yrd_CreditEasePuhuiMember to label_yrd_CreditEasePuhuiMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_PuchengCreditMember" xlink:label="yrd_PuchengCreditMember" xlink:title="yrd_PuchengCreditMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PuchengCreditMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_PuchengCreditMember" xml:lang="en-US" id="label_yrd_PuchengCreditMember"> Pucheng Credit Assessment and Management (Beijing) Co., Ltd. ("Pucheng Credit"), a Consolidated VIE of CreditEase </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PuchengCreditMember" xlink:to="label_yrd_PuchengCreditMember" xlink:title="Label : yrd_PuchengCreditMember to label_yrd_PuchengCreditMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_PuchengCreditMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_PuchengCreditMember_1" xml:lang="en-US" id="label_yrd_PuchengCreditMember_1"> Pucheng Credit [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_PuchengCreditMember" xlink:to="label_yrd_PuchengCreditMember_1" xlink:title="Label : yrd_PuchengCreditMember to label_yrd_PuchengCreditMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_TianDaXinAnMember" xlink:label="yrd_TianDaXinAnMember" xlink:title="yrd_TianDaXinAnMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_TianDaXinAnMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_TianDaXinAnMember" xml:lang="en-US" id="label_yrd_TianDaXinAnMember"> Tian Da Xin An, a subsidiary of consolidated VIE of CreditEase </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_TianDaXinAnMember" xlink:to="label_yrd_TianDaXinAnMember" xlink:title="Label : yrd_TianDaXinAnMember to label_yrd_TianDaXinAnMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_TianDaXinAnMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_TianDaXinAnMember_1" xml:lang="en-US" id="label_yrd_TianDaXinAnMember_1"> Tian Da Xin An [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_TianDaXinAnMember" xlink:to="label_yrd_TianDaXinAnMember_1" xlink:title="Label : yrd_TianDaXinAnMember to label_yrd_TianDaXinAnMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_CreditEaseHuiminMember" xlink:label="yrd_CreditEaseHuiminMember" xlink:title="yrd_CreditEaseHuiminMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CreditEaseHuiminMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_CreditEaseHuiminMember" xml:lang="en-US" id="label_yrd_CreditEaseHuiminMember"> CreditEase Huimin, consolidated VIE of CreditEase </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CreditEaseHuiminMember" xlink:to="label_yrd_CreditEaseHuiminMember" xlink:title="Label : yrd_CreditEaseHuiminMember to label_yrd_CreditEaseHuiminMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_CreditEaseHuiminMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_CreditEaseHuiminMember_1" xml:lang="en-US" id="label_yrd_CreditEaseHuiminMember_1"> CreditEase Huimin [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_CreditEaseHuiminMember" xlink:to="label_yrd_CreditEaseHuiminMember_1" xlink:title="Label : yrd_CreditEaseHuiminMember to label_yrd_CreditEaseHuiminMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" xlink:title="dei_CurrentFiscalYearEndDate"/>

<link:label xlink:type="resource" xlink:label="label_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_CurrentFiscalYearEndDate" xml:lang="en-US" id="label_dei_CurrentFiscalYearEndDate"> Current Fiscal Year End Date </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="label_dei_CurrentFiscalYearEndDate" xlink:title="Label : dei_CurrentFiscalYearEndDate to label_dei_CurrentFiscalYearEndDate"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ProvisionOfCollectionServiceMember" xlink:label="yrd_ProvisionOfCollectionServiceMember" xlink:title="yrd_ProvisionOfCollectionServiceMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProvisionOfCollectionServiceMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ProvisionOfCollectionServiceMember" xml:lang="en-US" id="label_yrd_ProvisionOfCollectionServiceMember"> Provision of Collection Service </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProvisionOfCollectionServiceMember" xlink:to="label_yrd_ProvisionOfCollectionServiceMember" xlink:title="Label : yrd_ProvisionOfCollectionServiceMember to label_yrd_ProvisionOfCollectionServiceMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProvisionOfCollectionServiceMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ProvisionOfCollectionServiceMember_1" xml:lang="en-US" id="label_yrd_ProvisionOfCollectionServiceMember_1"> Provision of Collection Service [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProvisionOfCollectionServiceMember" xlink:to="label_yrd_ProvisionOfCollectionServiceMember_1" xlink:title="Label : yrd_ProvisionOfCollectionServiceMember to label_yrd_ProvisionOfCollectionServiceMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProvisionOfCollectionServiceMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ProvisionOfCollectionServiceMember_2" xml:lang="en-US" id="label_yrd_ProvisionOfCollectionServiceMember_2"> Collection service fee [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProvisionOfCollectionServiceMember" xlink:to="label_yrd_ProvisionOfCollectionServiceMember_2" xlink:title="Label : yrd_ProvisionOfCollectionServiceMember to label_yrd_ProvisionOfCollectionServiceMember_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember" xlink:label="yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember" xlink:title="yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember" xml:lang="en-US" id="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember"> Borrowers and investors acquisition and referral fee </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember" xlink:to="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember" xlink:title="Label : yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember to label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_1" xml:lang="en-US" id="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_1"> Borrowers and Investors Acquisition and Referral Fee [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember" xlink:to="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_1" xlink:title="Label : yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember to label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_2" xml:lang="en-US" id="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_2"> Borrowers and investors acquisition and referral fee [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember" xlink:to="label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_2" xlink:title="Label : yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember to label_yrd_BorrowersAndInvestorsAcquisitionAndReferralFeeMember_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/currency/2014/currency-2014-01-31.xsd#currency_CNY" xlink:label="currency_CNY" xlink:title="currency_CNY"/>

<link:label xlink:type="resource" xlink:label="label_currency_CNY" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_currency_CNY" xml:lang="en-US" id="label_currency_CNY"> China, Yuan Renminbi [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="currency_CNY" xlink:to="label_currency_CNY" xlink:title="Label : currency_CNY to label_currency_CNY"/>

<link:label xlink:type="resource" xlink:label="label_currency_CNY_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_currency_CNY_1" xml:lang="en-US" id="label_currency_CNY_1"> RMB [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="currency_CNY" xlink:to="label_currency_CNY_1" xlink:title="Label : currency_CNY to label_currency_CNY_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_SystemReportingMember" xlink:label="yrd_SystemReportingMember" xlink:title="yrd_SystemReportingMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SystemReportingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_SystemReportingMember" xml:lang="en-US" id="label_yrd_SystemReportingMember"> System reporting </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SystemReportingMember" xlink:to="label_yrd_SystemReportingMember" xlink:title="Label : yrd_SystemReportingMember to label_yrd_SystemReportingMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SystemReportingMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_SystemReportingMember_1" xml:lang="en-US" id="label_yrd_SystemReportingMember_1"> System Reporting [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SystemReportingMember" xlink:to="label_yrd_SystemReportingMember_1" xlink:title="Label : yrd_SystemReportingMember to label_yrd_SystemReportingMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SystemReportingMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_SystemReportingMember_2" xml:lang="en-US" id="label_yrd_SystemReportingMember_2"> System supporting [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SystemReportingMember" xlink:to="label_yrd_SystemReportingMember_2" xlink:title="Label : yrd_SystemReportingMember to label_yrd_SystemReportingMember_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_SummaryOfSignificantAccountingPoliciesTable" xlink:label="yrd_SummaryOfSignificantAccountingPoliciesTable" xlink:title="yrd_SummaryOfSignificantAccountingPoliciesTable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SummaryOfSignificantAccountingPoliciesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_SummaryOfSignificantAccountingPoliciesTable" xml:lang="en-US" id="label_yrd_SummaryOfSignificantAccountingPoliciesTable"> Summary of Significant Accounting [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SummaryOfSignificantAccountingPoliciesTable" xlink:to="label_yrd_SummaryOfSignificantAccountingPoliciesTable" xlink:title="Label : yrd_SummaryOfSignificantAccountingPoliciesTable to label_yrd_SummaryOfSignificantAccountingPoliciesTable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SummaryOfSignificantAccountingPoliciesTable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_SummaryOfSignificantAccountingPoliciesTable_1" xml:lang="en-US" id="label_yrd_SummaryOfSignificantAccountingPoliciesTable_1"> Summary of Significant Accounting [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SummaryOfSignificantAccountingPoliciesTable" xlink:to="label_yrd_SummaryOfSignificantAccountingPoliciesTable_1" xlink:title="Label : yrd_SummaryOfSignificantAccountingPoliciesTable to label_yrd_SummaryOfSignificantAccountingPoliciesTable_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_SignificantAccountingPoliciesLineItems" xlink:label="yrd_SignificantAccountingPoliciesLineItems" xlink:title="yrd_SignificantAccountingPoliciesLineItems"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SignificantAccountingPoliciesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_SignificantAccountingPoliciesLineItems" xml:lang="en-US" id="label_yrd_SignificantAccountingPoliciesLineItems"> Significant Accounting Policies [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SignificantAccountingPoliciesLineItems" xlink:to="label_yrd_SignificantAccountingPoliciesLineItems" xlink:title="Label : yrd_SignificantAccountingPoliciesLineItems to label_yrd_SignificantAccountingPoliciesLineItems"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SignificantAccountingPoliciesLineItems_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_SignificantAccountingPoliciesLineItems_1" xml:lang="en-US" id="label_yrd_SignificantAccountingPoliciesLineItems_1"> Significant Accounting Policies [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SignificantAccountingPoliciesLineItems" xlink:to="label_yrd_SignificantAccountingPoliciesLineItems_1" xlink:title="Label : yrd_SignificantAccountingPoliciesLineItems to label_yrd_SignificantAccountingPoliciesLineItems_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ValueAddedTaxRate" xlink:label="yrd_ValueAddedTaxRate" xlink:title="yrd_ValueAddedTaxRate"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ValueAddedTaxRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ValueAddedTaxRate" xml:lang="en-US" id="label_yrd_ValueAddedTaxRate"> Tax rate used to calculate value added taxes. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ValueAddedTaxRate" xlink:to="label_yrd_ValueAddedTaxRate" xlink:title="Label : yrd_ValueAddedTaxRate to label_yrd_ValueAddedTaxRate"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ValueAddedTaxRate_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ValueAddedTaxRate_1" xml:lang="en-US" id="label_yrd_ValueAddedTaxRate_1"> Value Added Tax Rate </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ValueAddedTaxRate" xlink:to="label_yrd_ValueAddedTaxRate_1" xlink:title="Label : yrd_ValueAddedTaxRate to label_yrd_ValueAddedTaxRate_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ValueAddedTaxRate_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ValueAddedTaxRate_2" xml:lang="en-US" id="label_yrd_ValueAddedTaxRate_2"> VAT rate </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ValueAddedTaxRate" xlink:to="label_yrd_ValueAddedTaxRate_2" xlink:title="Label : yrd_ValueAddedTaxRate to label_yrd_ValueAddedTaxRate_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_StockholdersEquityNoteStockSubdivisionRate" xlink:label="yrd_StockholdersEquityNoteStockSubdivisionRate" xlink:title="yrd_StockholdersEquityNoteStockSubdivisionRate"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockholdersEquityNoteStockSubdivisionRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_StockholdersEquityNoteStockSubdivisionRate" xml:lang="en-US" id="label_yrd_StockholdersEquityNoteStockSubdivisionRate"> Number of shares subdivided for each share of common stock issued and unissued. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockholdersEquityNoteStockSubdivisionRate" xlink:to="label_yrd_StockholdersEquityNoteStockSubdivisionRate" xlink:title="Label : yrd_StockholdersEquityNoteStockSubdivisionRate to label_yrd_StockholdersEquityNoteStockSubdivisionRate"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockholdersEquityNoteStockSubdivisionRate_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_StockholdersEquityNoteStockSubdivisionRate_1" xml:lang="en-US" id="label_yrd_StockholdersEquityNoteStockSubdivisionRate_1"> Stockholders'' Equity Note, Stock Subdivision Rate </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockholdersEquityNoteStockSubdivisionRate" xlink:to="label_yrd_StockholdersEquityNoteStockSubdivisionRate_1" xlink:title="Label : yrd_StockholdersEquityNoteStockSubdivisionRate to label_yrd_StockholdersEquityNoteStockSubdivisionRate_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockholdersEquityNoteStockSubdivisionRate_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_StockholdersEquityNoteStockSubdivisionRate_2" xml:lang="en-US" id="label_yrd_StockholdersEquityNoteStockSubdivisionRate_2"> Subdivision of shares </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockholdersEquityNoteStockSubdivisionRate" xlink:to="label_yrd_StockholdersEquityNoteStockSubdivisionRate_2" xlink:title="Label : yrd_StockholdersEquityNoteStockSubdivisionRate to label_yrd_StockholdersEquityNoteStockSubdivisionRate_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_AuthorizedShareCapital" xlink:label="yrd_AuthorizedShareCapital" xlink:title="yrd_AuthorizedShareCapital"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AuthorizedShareCapital" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_AuthorizedShareCapital" xml:lang="en-US" id="label_yrd_AuthorizedShareCapital"> Amount of authorized share capital. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AuthorizedShareCapital" xlink:to="label_yrd_AuthorizedShareCapital" xlink:title="Label : yrd_AuthorizedShareCapital to label_yrd_AuthorizedShareCapital"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AuthorizedShareCapital_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_AuthorizedShareCapital_1" xml:lang="en-US" id="label_yrd_AuthorizedShareCapital_1"> Authorized Share Capital </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AuthorizedShareCapital" xlink:to="label_yrd_AuthorizedShareCapital_1" xlink:title="Label : yrd_AuthorizedShareCapital to label_yrd_AuthorizedShareCapital_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AuthorizedShareCapital_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_AuthorizedShareCapital_2" xml:lang="en-US" id="label_yrd_AuthorizedShareCapital_2"> Authorized capital </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AuthorizedShareCapital" xlink:to="label_yrd_AuthorizedShareCapital_2" xlink:title="Label : yrd_AuthorizedShareCapital to label_yrd_AuthorizedShareCapital_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_SurplusReserveMember" xlink:label="yrd_SurplusReserveMember" xlink:title="yrd_SurplusReserveMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SurplusReserveMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_SurplusReserveMember" xml:lang="en-US" id="label_yrd_SurplusReserveMember"> Surplus Reserve [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SurplusReserveMember" xlink:to="label_yrd_SurplusReserveMember" xlink:title="Label : yrd_SurplusReserveMember to label_yrd_SurplusReserveMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SurplusReserveMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_SurplusReserveMember_1" xml:lang="en-US" id="label_yrd_SurplusReserveMember_1"> Surplus Reserve [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SurplusReserveMember" xlink:to="label_yrd_SurplusReserveMember_1" xlink:title="Label : yrd_SurplusReserveMember to label_yrd_SurplusReserveMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_SurplusReserveMember_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_yrd_SurplusReserveMember_2" xml:lang="en-US" id="label_yrd_SurplusReserveMember_2"> Statutory reserve [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_SurplusReserveMember" xlink:to="label_yrd_SurplusReserveMember_2" xlink:title="Label : yrd_SurplusReserveMember to label_yrd_SurplusReserveMember_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ProvisionForSurplusReserve" xlink:label="yrd_ProvisionForSurplusReserve" xlink:title="yrd_ProvisionForSurplusReserve"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProvisionForSurplusReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ProvisionForSurplusReserve" xml:lang="en-US" id="label_yrd_ProvisionForSurplusReserve"> Amount allocated to the surplus reserve during the period. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProvisionForSurplusReserve" xlink:to="label_yrd_ProvisionForSurplusReserve" xlink:title="Label : yrd_ProvisionForSurplusReserve to label_yrd_ProvisionForSurplusReserve"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProvisionForSurplusReserve_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ProvisionForSurplusReserve_1" xml:lang="en-US" id="label_yrd_ProvisionForSurplusReserve_1"> Provision for Surplus Reserve </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProvisionForSurplusReserve" xlink:to="label_yrd_ProvisionForSurplusReserve_1" xlink:title="Label : yrd_ProvisionForSurplusReserve to label_yrd_ProvisionForSurplusReserve_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProvisionForSurplusReserve_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ProvisionForSurplusReserve_2" xml:lang="en-US" id="label_yrd_ProvisionForSurplusReserve_2"> Provision for statutory reserve </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProvisionForSurplusReserve" xlink:to="label_yrd_ProvisionForSurplusReserve_2" xlink:title="Label : yrd_ProvisionForSurplusReserve to label_yrd_ProvisionForSurplusReserve_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:title="dei_DocumentPeriodEndDate"/>

<link:label xlink:type="resource" xlink:label="label_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_DocumentPeriodEndDate" xml:lang="en-US" id="label_dei_DocumentPeriodEndDate"> Document Period End Date </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="label_dei_DocumentPeriodEndDate" xlink:title="Label : dei_DocumentPeriodEndDate to label_dei_DocumentPeriodEndDate"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_AmericanDepositarySharesAbstract" xlink:label="yrd_AmericanDepositarySharesAbstract" xlink:title="yrd_AmericanDepositarySharesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_AmericanDepositarySharesAbstract" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesAbstract"> American Depositary Shares [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesAbstract" xlink:to="label_yrd_AmericanDepositarySharesAbstract" xlink:title="Label : yrd_AmericanDepositarySharesAbstract to label_yrd_AmericanDepositarySharesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesAbstract_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_AmericanDepositarySharesAbstract_1" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesAbstract_1"> American Depositary Shares [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesAbstract" xlink:to="label_yrd_AmericanDepositarySharesAbstract_1" xlink:title="Label : yrd_AmericanDepositarySharesAbstract to label_yrd_AmericanDepositarySharesAbstract_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesAbstract_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_AmericanDepositarySharesAbstract_2" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesAbstract_2"> American Depositary Shares: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesAbstract" xlink:to="label_yrd_AmericanDepositarySharesAbstract_2" xlink:title="Label : yrd_AmericanDepositarySharesAbstract to label_yrd_AmericanDepositarySharesAbstract_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_AmericanDepositarySharesRegistered" xlink:label="yrd_AmericanDepositarySharesRegistered" xlink:title="yrd_AmericanDepositarySharesRegistered"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesRegistered" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_AmericanDepositarySharesRegistered" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesRegistered"> Number of American Depositary Shares registered. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesRegistered" xlink:to="label_yrd_AmericanDepositarySharesRegistered" xlink:title="Label : yrd_AmericanDepositarySharesRegistered to label_yrd_AmericanDepositarySharesRegistered"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesRegistered_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_AmericanDepositarySharesRegistered_1" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesRegistered_1"> American Depositary Shares Registered </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesRegistered" xlink:to="label_yrd_AmericanDepositarySharesRegistered_1" xlink:title="Label : yrd_AmericanDepositarySharesRegistered to label_yrd_AmericanDepositarySharesRegistered_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesRegistered_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_AmericanDepositarySharesRegistered_2" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesRegistered_2"> Registered number of ADS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesRegistered" xlink:to="label_yrd_AmericanDepositarySharesRegistered_2" xlink:title="Label : yrd_AmericanDepositarySharesRegistered to label_yrd_AmericanDepositarySharesRegistered_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_AmericanDepositarySharesPricePerShare" xlink:label="yrd_AmericanDepositarySharesPricePerShare" xlink:title="yrd_AmericanDepositarySharesPricePerShare"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesPricePerShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_AmericanDepositarySharesPricePerShare" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesPricePerShare"> Price per share of each American Depositary Share. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesPricePerShare" xlink:to="label_yrd_AmericanDepositarySharesPricePerShare" xlink:title="Label : yrd_AmericanDepositarySharesPricePerShare to label_yrd_AmericanDepositarySharesPricePerShare"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesPricePerShare_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_AmericanDepositarySharesPricePerShare_1" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesPricePerShare_1"> American Depositary Shares Price Per Share </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesPricePerShare" xlink:to="label_yrd_AmericanDepositarySharesPricePerShare_1" xlink:title="Label : yrd_AmericanDepositarySharesPricePerShare to label_yrd_AmericanDepositarySharesPricePerShare_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AmericanDepositarySharesPricePerShare_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_yrd_AmericanDepositarySharesPricePerShare_2" xml:lang="en-US" id="label_yrd_AmericanDepositarySharesPricePerShare_2"> Price per ADS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AmericanDepositarySharesPricePerShare" xlink:to="label_yrd_AmericanDepositarySharesPricePerShare_2" xlink:title="Label : yrd_AmericanDepositarySharesPricePerShare to label_yrd_AmericanDepositarySharesPricePerShare_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_InitialPublicOfferingAggregateAmount" xlink:label="yrd_InitialPublicOfferingAggregateAmount" xlink:title="yrd_InitialPublicOfferingAggregateAmount"/>

<link:label xlink:type="resource" xlink:label="label_yrd_InitialPublicOfferingAggregateAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_InitialPublicOfferingAggregateAmount" xml:lang="en-US" id="label_yrd_InitialPublicOfferingAggregateAmount"> Aggregate offering price of an Initial Public Offering. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_InitialPublicOfferingAggregateAmount" xlink:to="label_yrd_InitialPublicOfferingAggregateAmount" xlink:title="Label : yrd_InitialPublicOfferingAggregateAmount to label_yrd_InitialPublicOfferingAggregateAmount"/>

<link:label xlink:type="resource" xlink:label="label_yrd_InitialPublicOfferingAggregateAmount_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_InitialPublicOfferingAggregateAmount_1" xml:lang="en-US" id="label_yrd_InitialPublicOfferingAggregateAmount_1"> Initial Public Offering, Aggregate Amount </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_InitialPublicOfferingAggregateAmount" xlink:to="label_yrd_InitialPublicOfferingAggregateAmount_1" xlink:title="Label : yrd_InitialPublicOfferingAggregateAmount to label_yrd_InitialPublicOfferingAggregateAmount_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_InitialPublicOfferingAggregateAmount_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_InitialPublicOfferingAggregateAmount_2" xml:lang="en-US" id="label_yrd_InitialPublicOfferingAggregateAmount_2"> Aggregate offering amount </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_InitialPublicOfferingAggregateAmount" xlink:to="label_yrd_InitialPublicOfferingAggregateAmount_2" xlink:title="Label : yrd_InitialPublicOfferingAggregateAmount to label_yrd_InitialPublicOfferingAggregateAmount_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_FundPayable" xlink:label="yrd_FundPayable" xlink:title="yrd_FundPayable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundPayable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_FundPayable" xml:lang="en-US" id="label_yrd_FundPayable"> Amount payable to fund as of the balance sheet date. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundPayable" xlink:to="label_yrd_FundPayable" xlink:title="Label : yrd_FundPayable to label_yrd_FundPayable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundPayable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_FundPayable_1" xml:lang="en-US" id="label_yrd_FundPayable_1"> Fund Payable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundPayable" xlink:to="label_yrd_FundPayable_1" xlink:title="Label : yrd_FundPayable to label_yrd_FundPayable_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundPayable_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_FundPayable_2" xml:lang="en-US" id="label_yrd_FundPayable_2"> Payable to the Fund at fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundPayable" xlink:to="label_yrd_FundPayable_2" xlink:title="Label : yrd_FundPayable to label_yrd_FundPayable_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_FundPayablePeriodChange" xlink:label="yrd_FundPayablePeriodChange" xlink:title="yrd_FundPayablePeriodChange"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundPayablePeriodChange" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_FundPayablePeriodChange" xml:lang="en-US" id="label_yrd_FundPayablePeriodChange"> Change in payable to fund at fair value during the period. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundPayablePeriodChange" xlink:to="label_yrd_FundPayablePeriodChange" xlink:title="Label : yrd_FundPayablePeriodChange to label_yrd_FundPayablePeriodChange"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundPayablePeriodChange_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_FundPayablePeriodChange_1" xml:lang="en-US" id="label_yrd_FundPayablePeriodChange_1"> Fund Payable, Period Change </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundPayablePeriodChange" xlink:to="label_yrd_FundPayablePeriodChange_1" xlink:title="Label : yrd_FundPayablePeriodChange to label_yrd_FundPayablePeriodChange_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FundPayablePeriodChange_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_yrd_FundPayablePeriodChange_2" xml:lang="en-US" id="label_yrd_FundPayablePeriodChange_2"> Proceeds received by the Trust from the Fund </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FundPayablePeriodChange" xlink:to="label_yrd_FundPayablePeriodChange_2" xlink:title="Label : yrd_FundPayablePeriodChange to label_yrd_FundPayablePeriodChange_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xlink:title="dei_EntityDomain"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityDomain" xml:lang="en-US" id="label_dei_EntityDomain"> Entity [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="label_dei_EntityDomain" xlink:title="Label : dei_EntityDomain to label_dei_EntityDomain"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_IncreaseDecreaseGuaranteeLiability" xlink:label="yrd_IncreaseDecreaseGuaranteeLiability" xlink:title="yrd_IncreaseDecreaseGuaranteeLiability"/>

<link:label xlink:type="resource" xlink:label="label_yrd_IncreaseDecreaseGuaranteeLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_IncreaseDecreaseGuaranteeLiability" xml:lang="en-US" id="label_yrd_IncreaseDecreaseGuaranteeLiability"> Increase (decrease) in guarantee liability during the period. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_IncreaseDecreaseGuaranteeLiability" xlink:to="label_yrd_IncreaseDecreaseGuaranteeLiability" xlink:title="Label : yrd_IncreaseDecreaseGuaranteeLiability to label_yrd_IncreaseDecreaseGuaranteeLiability"/>

<link:label xlink:type="resource" xlink:label="label_yrd_IncreaseDecreaseGuaranteeLiability_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_IncreaseDecreaseGuaranteeLiability_1" xml:lang="en-US" id="label_yrd_IncreaseDecreaseGuaranteeLiability_1"> Increase (Decrease) Guarantee Liability </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_IncreaseDecreaseGuaranteeLiability" xlink:to="label_yrd_IncreaseDecreaseGuaranteeLiability_1" xlink:title="Label : yrd_IncreaseDecreaseGuaranteeLiability to label_yrd_IncreaseDecreaseGuaranteeLiability_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_IncreaseDecreaseGuaranteeLiability_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_IncreaseDecreaseGuaranteeLiability_2" xml:lang="en-US" id="label_yrd_IncreaseDecreaseGuaranteeLiability_2"> Liabilities from risk reserve fund guarantee </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_IncreaseDecreaseGuaranteeLiability" xlink:to="label_yrd_IncreaseDecreaseGuaranteeLiability_2" xlink:title="Label : yrd_IncreaseDecreaseGuaranteeLiability to label_yrd_IncreaseDecreaseGuaranteeLiability_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_InvestmentIncomeInterestOperatingActivities" xlink:label="yrd_InvestmentIncomeInterestOperatingActivities" xlink:title="yrd_InvestmentIncomeInterestOperatingActivities"/>

<link:label xlink:type="resource" xlink:label="label_yrd_InvestmentIncomeInterestOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_InvestmentIncomeInterestOperatingActivities" xml:lang="en-US" id="label_yrd_InvestmentIncomeInterestOperatingActivities"> Interest income on investments from operating activities. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_InvestmentIncomeInterestOperatingActivities" xlink:to="label_yrd_InvestmentIncomeInterestOperatingActivities" xlink:title="Label : yrd_InvestmentIncomeInterestOperatingActivities to label_yrd_InvestmentIncomeInterestOperatingActivities"/>

<link:label xlink:type="resource" xlink:label="label_yrd_InvestmentIncomeInterestOperatingActivities_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_InvestmentIncomeInterestOperatingActivities_1" xml:lang="en-US" id="label_yrd_InvestmentIncomeInterestOperatingActivities_1"> Investment Income, Interest, Operating Activities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_InvestmentIncomeInterestOperatingActivities" xlink:to="label_yrd_InvestmentIncomeInterestOperatingActivities_1" xlink:title="Label : yrd_InvestmentIncomeInterestOperatingActivities to label_yrd_InvestmentIncomeInterestOperatingActivities_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_InvestmentIncomeInterestOperatingActivities_2" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_yrd_InvestmentIncomeInterestOperatingActivities_2" xml:lang="en-US" id="label_yrd_InvestmentIncomeInterestOperatingActivities_2"> Interest income from short-term investment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_InvestmentIncomeInterestOperatingActivities" xlink:to="label_yrd_InvestmentIncomeInterestOperatingActivities_2" xlink:title="Label : yrd_InvestmentIncomeInterestOperatingActivities to label_yrd_InvestmentIncomeInterestOperatingActivities_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityIncorporationDateOfIncorporation" xlink:label="dei_EntityIncorporationDateOfIncorporation" xlink:title="dei_EntityIncorporationDateOfIncorporation"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityIncorporationDateOfIncorporation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityIncorporationDateOfIncorporation" xml:lang="en-US" id="label_dei_EntityIncorporationDateOfIncorporation"> Entity Incorporation, Date of Incorporation </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationDateOfIncorporation" xlink:to="label_dei_EntityIncorporationDateOfIncorporation" xlink:title="Label : dei_EntityIncorporationDateOfIncorporation to label_dei_EntityIncorporationDateOfIncorporation"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityIncorporationDateOfIncorporation_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_dei_EntityIncorporationDateOfIncorporation_1" xml:lang="en-US" id="label_dei_EntityIncorporationDateOfIncorporation_1"> Date of incorporation/establishment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationDateOfIncorporation" xlink:to="label_dei_EntityIncorporationDateOfIncorporation_1" xlink:title="Label : dei_EntityIncorporationDateOfIncorporation to label_dei_EntityIncorporationDateOfIncorporation_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_GuaranteeLiabilityPolicyTextBlock" xlink:label="yrd_GuaranteeLiabilityPolicyTextBlock" xlink:title="yrd_GuaranteeLiabilityPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_GuaranteeLiabilityPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_GuaranteeLiabilityPolicyTextBlock" xml:lang="en-US" id="label_yrd_GuaranteeLiabilityPolicyTextBlock"> Disclosure of accounting policy for the guarantee liability. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_GuaranteeLiabilityPolicyTextBlock" xlink:to="label_yrd_GuaranteeLiabilityPolicyTextBlock" xlink:title="Label : yrd_GuaranteeLiabilityPolicyTextBlock to label_yrd_GuaranteeLiabilityPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_GuaranteeLiabilityPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_GuaranteeLiabilityPolicyTextBlock_1" xml:lang="en-US" id="label_yrd_GuaranteeLiabilityPolicyTextBlock_1"> Guarantee Liability [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_GuaranteeLiabilityPolicyTextBlock" xlink:to="label_yrd_GuaranteeLiabilityPolicyTextBlock_1" xlink:title="Label : yrd_GuaranteeLiabilityPolicyTextBlock to label_yrd_GuaranteeLiabilityPolicyTextBlock_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_GuaranteeLiabilityPolicyTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_GuaranteeLiabilityPolicyTextBlock_2" xml:lang="en-US" id="label_yrd_GuaranteeLiabilityPolicyTextBlock_2"> Liabilities from risk reserve fund guarantee </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_GuaranteeLiabilityPolicyTextBlock" xlink:to="label_yrd_GuaranteeLiabilityPolicyTextBlock_2" xlink:title="Label : yrd_GuaranteeLiabilityPolicyTextBlock to label_yrd_GuaranteeLiabilityPolicyTextBlock_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityIncorporationStateCountryName" xlink:label="dei_EntityIncorporationStateCountryName" xlink:title="dei_EntityIncorporationStateCountryName"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityIncorporationStateCountryName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityIncorporationStateCountryName" xml:lang="en-US" id="label_dei_EntityIncorporationStateCountryName"> Entity Incorporation, State Country Name </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryName" xlink:to="label_dei_EntityIncorporationStateCountryName" xlink:title="Label : dei_EntityIncorporationStateCountryName to label_dei_EntityIncorporationStateCountryName"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityIncorporationStateCountryName_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_dei_EntityIncorporationStateCountryName_1" xml:lang="en-US" id="label_dei_EntityIncorporationStateCountryName_1"> Place of incorporation/establishment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryName" xlink:to="label_dei_EntityIncorporationStateCountryName_1" xlink:title="Label : dei_EntityIncorporationStateCountryName to label_dei_EntityIncorporationStateCountryName_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter" xlink:label="yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter" xlink:title="yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter" xml:lang="en-US" id="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter"> Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fifth fiscal year following the latest fiscal year and thereafter. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter" xlink:to="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter" xlink:title="Label : yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter to label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_1" xml:lang="en-US" id="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_1"> Operating Leases, Future Minimum Payments, Due Year Five and Thereafter </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter" xlink:to="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_1" xlink:title="Label : yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter to label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_2" xml:lang="en-US" id="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_2"> 2020 and thereafter </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter" xlink:to="label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_2" xlink:title="Label : yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter to label_yrd_OperatingLeasesFutureMinimumPaymentsDueYearFiveAndThereafter_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_HainanCreditEaseMember" xlink:label="yrd_HainanCreditEaseMember" xlink:title="yrd_HainanCreditEaseMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_HainanCreditEaseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_HainanCreditEaseMember" xml:lang="en-US" id="label_yrd_HainanCreditEaseMember"> Hainan CreditEase Puhui Small Loan Co., Ltd a Consolidated VIE of CreditEase. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_HainanCreditEaseMember" xlink:to="label_yrd_HainanCreditEaseMember" xlink:title="Label : yrd_HainanCreditEaseMember to label_yrd_HainanCreditEaseMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_HainanCreditEaseMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_HainanCreditEaseMember_1" xml:lang="en-US" id="label_yrd_HainanCreditEaseMember_1"> Hainan CreditEase [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_HainanCreditEaseMember" xlink:to="label_yrd_HainanCreditEaseMember_1" xlink:title="Label : yrd_HainanCreditEaseMember to label_yrd_HainanCreditEaseMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_OrdinarySharesPerAmericanDepositaryShare" xlink:label="yrd_OrdinarySharesPerAmericanDepositaryShare" xlink:title="yrd_OrdinarySharesPerAmericanDepositaryShare"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrdinarySharesPerAmericanDepositaryShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_OrdinarySharesPerAmericanDepositaryShare" xml:lang="en-US" id="label_yrd_OrdinarySharesPerAmericanDepositaryShare"> Number of ordinary shares called by each American Depositary Share. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrdinarySharesPerAmericanDepositaryShare" xlink:to="label_yrd_OrdinarySharesPerAmericanDepositaryShare" xlink:title="Label : yrd_OrdinarySharesPerAmericanDepositaryShare to label_yrd_OrdinarySharesPerAmericanDepositaryShare"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrdinarySharesPerAmericanDepositaryShare_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_OrdinarySharesPerAmericanDepositaryShare_1" xml:lang="en-US" id="label_yrd_OrdinarySharesPerAmericanDepositaryShare_1"> Ordinary Shares Per American Depositary Share </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrdinarySharesPerAmericanDepositaryShare" xlink:to="label_yrd_OrdinarySharesPerAmericanDepositaryShare_1" xlink:title="Label : yrd_OrdinarySharesPerAmericanDepositaryShare to label_yrd_OrdinarySharesPerAmericanDepositaryShare_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrdinarySharesPerAmericanDepositaryShare_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_OrdinarySharesPerAmericanDepositaryShare_2" xml:lang="en-US" id="label_yrd_OrdinarySharesPerAmericanDepositaryShare_2"> Shares per ADS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrdinarySharesPerAmericanDepositaryShare" xlink:to="label_yrd_OrdinarySharesPerAmericanDepositaryShare_2" xlink:title="Label : yrd_OrdinarySharesPerAmericanDepositaryShare to label_yrd_OrdinarySharesPerAmericanDepositaryShare_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_StockIssuedDuringPeriodValueStockSplit" xlink:label="yrd_StockIssuedDuringPeriodValueStockSplit" xlink:title="yrd_StockIssuedDuringPeriodValueStockSplit"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodValueStockSplit" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_StockIssuedDuringPeriodValueStockSplit" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodValueStockSplit"> Value of shares issued during the period as part of a transaction accounted for as a stock split. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodValueStockSplit" xlink:to="label_yrd_StockIssuedDuringPeriodValueStockSplit" xlink:title="Label : yrd_StockIssuedDuringPeriodValueStockSplit to label_yrd_StockIssuedDuringPeriodValueStockSplit"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodValueStockSplit_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_StockIssuedDuringPeriodValueStockSplit_1" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodValueStockSplit_1"> Stock Issued During Period, Value, Stock Split </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodValueStockSplit" xlink:to="label_yrd_StockIssuedDuringPeriodValueStockSplit_1" xlink:title="Label : yrd_StockIssuedDuringPeriodValueStockSplit to label_yrd_StockIssuedDuringPeriodValueStockSplit_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodValueStockSplit_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_StockIssuedDuringPeriodValueStockSplit_2" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodValueStockSplit_2"> Issuance of shares on June 25, 2015 </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodValueStockSplit" xlink:to="label_yrd_StockIssuedDuringPeriodValueStockSplit_2" xlink:title="Label : yrd_StockIssuedDuringPeriodValueStockSplit to label_yrd_StockIssuedDuringPeriodValueStockSplit_2"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodValueStockSplit_3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_yrd_StockIssuedDuringPeriodValueStockSplit_3" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodValueStockSplit_3"> Value of shares issued for stock spit </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodValueStockSplit" xlink:to="label_yrd_StockIssuedDuringPeriodValueStockSplit_3" xlink:title="Label : yrd_StockIssuedDuringPeriodValueStockSplit to label_yrd_StockIssuedDuringPeriodValueStockSplit_3"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_AccruedIncentives" xlink:label="yrd_AccruedIncentives" xlink:title="yrd_AccruedIncentives"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AccruedIncentives" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_AccruedIncentives" xml:lang="en-US" id="label_yrd_AccruedIncentives"> Accrued liability for sales incentives. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AccruedIncentives" xlink:to="label_yrd_AccruedIncentives" xlink:title="Label : yrd_AccruedIncentives to label_yrd_AccruedIncentives"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AccruedIncentives_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_AccruedIncentives_1" xml:lang="en-US" id="label_yrd_AccruedIncentives_1"> Accrued Incentives </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AccruedIncentives" xlink:to="label_yrd_AccruedIncentives_1" xlink:title="Label : yrd_AccruedIncentives to label_yrd_AccruedIncentives_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AccruedIncentives_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_AccruedIncentives_2" xml:lang="en-US" id="label_yrd_AccruedIncentives_2"> Accrued cash incentives and Yiren coins </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AccruedIncentives" xlink:to="label_yrd_AccruedIncentives_2" xlink:title="Label : yrd_AccruedIncentives to label_yrd_AccruedIncentives_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate" xlink:label="yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate" xlink:title="yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate"/>

<link:label xlink:type="resource" xlink:label="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate" xml:lang="en-US" id="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate"> Foreign income tax rate outside of the domestic tax jurisdiction. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate" xlink:to="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate" xlink:title="Label : yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate to label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate"/>

<link:label xlink:type="resource" xlink:label="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_1" xml:lang="en-US" id="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_1"> Effective Income Tax Rate Reconciliation, Foreign Income Tax Rate </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate" xlink:to="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_1" xlink:title="Label : yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate to label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_2" xml:lang="en-US" id="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_2"> Hong Kong tax rate </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate" xlink:to="label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_2" xlink:title="Label : yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate to label_yrd_EffectiveIncomeTaxRateReconciliationForeignIncomeTaxRate_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_StockIssuedDuringPeriodValuePrivatePlacement" xlink:label="yrd_StockIssuedDuringPeriodValuePrivatePlacement" xlink:title="yrd_StockIssuedDuringPeriodValuePrivatePlacement"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement"> Equity impact of the value of stock issued during the period as part of a private placement. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodValuePrivatePlacement" xlink:to="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement" xlink:title="Label : yrd_StockIssuedDuringPeriodValuePrivatePlacement to label_yrd_StockIssuedDuringPeriodValuePrivatePlacement"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_1" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_1"> Stock Issued During Period, Value, Private Placement </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodValuePrivatePlacement" xlink:to="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_1" xlink:title="Label : yrd_StockIssuedDuringPeriodValuePrivatePlacement to label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_2" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_2"> Issuance of ordinary shares for concurrent private placement, net of costs of $1,000 </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodValuePrivatePlacement" xlink:to="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_2" xlink:title="Label : yrd_StockIssuedDuringPeriodValuePrivatePlacement to label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_2"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_3" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_3"> Value of shares issued for private placement </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodValuePrivatePlacement" xlink:to="label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_3" xlink:title="Label : yrd_StockIssuedDuringPeriodValuePrivatePlacement to label_yrd_StockIssuedDuringPeriodValuePrivatePlacement_3"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xlink:label="yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xlink:title="yrd_StockIssuedDuringPeriodSharesPrivatePlacement"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement"> Number of stock issued during the period as part of a private placement. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xlink:to="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xlink:title="Label : yrd_StockIssuedDuringPeriodSharesPrivatePlacement to label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_1" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_1"> Stock Issued During Period, Shares, Private Placement </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xlink:to="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_1" xlink:title="Label : yrd_StockIssuedDuringPeriodSharesPrivatePlacement to label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_2" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_2"> Issuance of ordinary shares for concurrent private placement, net of costs of $1,000, shares </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xlink:to="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_2" xlink:title="Label : yrd_StockIssuedDuringPeriodSharesPrivatePlacement to label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_2"/>

<link:label xlink:type="resource" xlink:label="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_3" xml:lang="en-US" id="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_3"> Shares issued for private placement </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_StockIssuedDuringPeriodSharesPrivatePlacement" xlink:to="label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_3" xlink:title="Label : yrd_StockIssuedDuringPeriodSharesPrivatePlacement to label_yrd_StockIssuedDuringPeriodSharesPrivatePlacement_3"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ConsolidationTable" xlink:label="yrd_ConsolidationTable" xlink:title="yrd_ConsolidationTable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ConsolidationTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ConsolidationTable" xml:lang="en-US" id="label_yrd_ConsolidationTable"> Consolidation [Table} </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ConsolidationTable" xlink:to="label_yrd_ConsolidationTable" xlink:title="Label : yrd_ConsolidationTable to label_yrd_ConsolidationTable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ConsolidationTable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ConsolidationTable_1" xml:lang="en-US" id="label_yrd_ConsolidationTable_1"> Consolidation [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ConsolidationTable" xlink:to="label_yrd_ConsolidationTable_1" xlink:title="Label : yrd_ConsolidationTable to label_yrd_ConsolidationTable_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ConsolidationLineItems" xlink:label="yrd_ConsolidationLineItems" xlink:title="yrd_ConsolidationLineItems"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ConsolidationLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ConsolidationLineItems" xml:lang="en-US" id="label_yrd_ConsolidationLineItems"> Consolidation [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ConsolidationLineItems" xlink:to="label_yrd_ConsolidationLineItems" xlink:title="Label : yrd_ConsolidationLineItems to label_yrd_ConsolidationLineItems"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ConsolidationLineItems_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ConsolidationLineItems_1" xml:lang="en-US" id="label_yrd_ConsolidationLineItems_1"> Consolidation [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ConsolidationLineItems" xlink:to="label_yrd_ConsolidationLineItems_1" xlink:title="Label : yrd_ConsolidationLineItems to label_yrd_ConsolidationLineItems_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_YirendaiHongKongLimitedMember" xlink:label="yrd_YirendaiHongKongLimitedMember" xlink:title="yrd_YirendaiHongKongLimitedMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_YirendaiHongKongLimitedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_YirendaiHongKongLimitedMember" xml:lang="en-US" id="label_yrd_YirendaiHongKongLimitedMember"> Yirendai Hong Kong Limited ("Yirendai HK") </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_YirendaiHongKongLimitedMember" xlink:to="label_yrd_YirendaiHongKongLimitedMember" xlink:title="Label : yrd_YirendaiHongKongLimitedMember to label_yrd_YirendaiHongKongLimitedMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_YirendaiHongKongLimitedMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_YirendaiHongKongLimitedMember_1" xml:lang="en-US" id="label_yrd_YirendaiHongKongLimitedMember_1"> Yirendai Hong Kong Limited [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_YirendaiHongKongLimitedMember" xlink:to="label_yrd_YirendaiHongKongLimitedMember_1" xlink:title="Label : yrd_YirendaiHongKongLimitedMember to label_yrd_YirendaiHongKongLimitedMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_YirendaiHongKongLimitedMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_YirendaiHongKongLimitedMember_2" xml:lang="en-US" id="label_yrd_YirendaiHongKongLimitedMember_2"> Yirendai HK [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_YirendaiHongKongLimitedMember" xlink:to="label_yrd_YirendaiHongKongLimitedMember_2" xlink:title="Label : yrd_YirendaiHongKongLimitedMember to label_yrd_YirendaiHongKongLimitedMember_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember" xlink:label="yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember" xlink:title="yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember" xml:lang="en-US" id="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember"> Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. ("Heng Ye") </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember" xlink:to="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember" xlink:title="Label : yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember to label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_1" xml:lang="en-US" id="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_1"> Yi Ren Heng Ye Technology Development Co., Ltd. [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember" xlink:to="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_1" xlink:title="Label : yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember to label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_2" xml:lang="en-US" id="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_2"> Heng Ye [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember" xlink:to="label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_2" xlink:title="Label : yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember to label_yrd_YiRenHengYeTechnologyDevelopmentCoLtdMember_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_OneTimeGuaranteeOfRevenueAssumptionFee" xlink:label="yrd_OneTimeGuaranteeOfRevenueAssumptionFee" xlink:title="yrd_OneTimeGuaranteeOfRevenueAssumptionFee"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee" xml:lang="en-US" id="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee"> Expense for one-time fee to guarantee company for assumption of the obligation, included in servicing and origination expenses. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OneTimeGuaranteeOfRevenueAssumptionFee" xlink:to="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee" xlink:title="Label : yrd_OneTimeGuaranteeOfRevenueAssumptionFee to label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_1" xml:lang="en-US" id="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_1"> One Time Guarantee of Revenue Assumption Fee </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OneTimeGuaranteeOfRevenueAssumptionFee" xlink:to="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_1" xlink:title="Label : yrd_OneTimeGuaranteeOfRevenueAssumptionFee to label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_2" xml:lang="en-US" id="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_2"> One-time fee for guarantee assumption </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OneTimeGuaranteeOfRevenueAssumptionFee" xlink:to="label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_2" xlink:title="Label : yrd_OneTimeGuaranteeOfRevenueAssumptionFee to label_yrd_OneTimeGuaranteeOfRevenueAssumptionFee_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_MaximumLoanAmountIssuable" xlink:label="yrd_MaximumLoanAmountIssuable" xlink:title="yrd_MaximumLoanAmountIssuable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_MaximumLoanAmountIssuable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_MaximumLoanAmountIssuable" xml:lang="en-US" id="label_yrd_MaximumLoanAmountIssuable"> Maximum aggregate principal amount available to issue loans. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_MaximumLoanAmountIssuable" xlink:to="label_yrd_MaximumLoanAmountIssuable" xlink:title="Label : yrd_MaximumLoanAmountIssuable to label_yrd_MaximumLoanAmountIssuable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_MaximumLoanAmountIssuable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_MaximumLoanAmountIssuable_1" xml:lang="en-US" id="label_yrd_MaximumLoanAmountIssuable_1"> Maximum Loan Amount Issuable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_MaximumLoanAmountIssuable" xlink:to="label_yrd_MaximumLoanAmountIssuable_1" xlink:title="Label : yrd_MaximumLoanAmountIssuable to label_yrd_MaximumLoanAmountIssuable_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_MaximumLoanAmountIssuable_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_MaximumLoanAmountIssuable_2" xml:lang="en-US" id="label_yrd_MaximumLoanAmountIssuable_2"> Maximum aggregate principal amount </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_MaximumLoanAmountIssuable" xlink:to="label_yrd_MaximumLoanAmountIssuable_2" xlink:title="Label : yrd_MaximumLoanAmountIssuable to label_yrd_MaximumLoanAmountIssuable_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock" xlink:label="yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock" xlink:title="yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock" xml:lang="en-US" id="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock"> Tabular disclosure for movement in liability for the risk return fund guarantee. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock" xlink:to="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock" xlink:title="Label : yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock to label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_1" xml:lang="en-US" id="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_1"> Risk Reserve Fund Guarantee Liability Movement [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock" xlink:to="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_1" xlink:title="Label : yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock to label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_2" xml:lang="en-US" id="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_2"> Summary of the Movement in the Liability from the Risk Reserve Fund Guarantee </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock" xlink:to="label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_2" xlink:title="Label : yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock to label_yrd_RiskReserveFundGuaranteeLiabilityMovementTableTextBlock_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_YirenCoinsMember" xlink:label="yrd_YirenCoinsMember" xlink:title="yrd_YirenCoinsMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_YirenCoinsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_YirenCoinsMember" xml:lang="en-US" id="label_yrd_YirenCoinsMember"> Yiren Coins [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_YirenCoinsMember" xlink:to="label_yrd_YirenCoinsMember" xlink:title="Label : yrd_YirenCoinsMember to label_yrd_YirenCoinsMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_YirenCoinsMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_YirenCoinsMember_1" xml:lang="en-US" id="label_yrd_YirenCoinsMember_1"> Yiren Coins [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_YirenCoinsMember" xlink:to="label_yrd_YirenCoinsMember_1" xlink:title="Label : yrd_YirenCoinsMember to label_yrd_YirenCoinsMember_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_OrganizationAndPrincipalActivitiesTable" xlink:label="yrd_OrganizationAndPrincipalActivitiesTable" xlink:title="yrd_OrganizationAndPrincipalActivitiesTable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrganizationAndPrincipalActivitiesTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_OrganizationAndPrincipalActivitiesTable" xml:lang="en-US" id="label_yrd_OrganizationAndPrincipalActivitiesTable"> Organization and Principal Activities [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrganizationAndPrincipalActivitiesTable" xlink:to="label_yrd_OrganizationAndPrincipalActivitiesTable" xlink:title="Label : yrd_OrganizationAndPrincipalActivitiesTable to label_yrd_OrganizationAndPrincipalActivitiesTable"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrganizationAndPrincipalActivitiesTable_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_OrganizationAndPrincipalActivitiesTable_1" xml:lang="en-US" id="label_yrd_OrganizationAndPrincipalActivitiesTable_1"> Organization and Principal Activities [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrganizationAndPrincipalActivitiesTable" xlink:to="label_yrd_OrganizationAndPrincipalActivitiesTable_1" xlink:title="Label : yrd_OrganizationAndPrincipalActivitiesTable to label_yrd_OrganizationAndPrincipalActivitiesTable_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_OrganizationAndPrincipalActivitiesLineItems" xlink:label="yrd_OrganizationAndPrincipalActivitiesLineItems" xlink:title="yrd_OrganizationAndPrincipalActivitiesLineItems"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrganizationAndPrincipalActivitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_OrganizationAndPrincipalActivitiesLineItems" xml:lang="en-US" id="label_yrd_OrganizationAndPrincipalActivitiesLineItems"> Organization and Principal Activities [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrganizationAndPrincipalActivitiesLineItems" xlink:to="label_yrd_OrganizationAndPrincipalActivitiesLineItems" xlink:title="Label : yrd_OrganizationAndPrincipalActivitiesLineItems to label_yrd_OrganizationAndPrincipalActivitiesLineItems"/>

<link:label xlink:type="resource" xlink:label="label_yrd_OrganizationAndPrincipalActivitiesLineItems_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_OrganizationAndPrincipalActivitiesLineItems_1" xml:lang="en-US" id="label_yrd_OrganizationAndPrincipalActivitiesLineItems_1"> Organization and Principal Activities [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_OrganizationAndPrincipalActivitiesLineItems" xlink:to="label_yrd_OrganizationAndPrincipalActivitiesLineItems_1" xlink:title="Label : yrd_OrganizationAndPrincipalActivitiesLineItems to label_yrd_OrganizationAndPrincipalActivitiesLineItems_1"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ProceedsFromStockSplitTransaction" xlink:label="yrd_ProceedsFromStockSplitTransaction" xlink:title="yrd_ProceedsFromStockSplitTransaction"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromStockSplitTransaction" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ProceedsFromStockSplitTransaction" xml:lang="en-US" id="label_yrd_ProceedsFromStockSplitTransaction"> Aggregate consideration from a stock transaction accounted for as a stock split. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromStockSplitTransaction" xlink:to="label_yrd_ProceedsFromStockSplitTransaction" xlink:title="Label : yrd_ProceedsFromStockSplitTransaction to label_yrd_ProceedsFromStockSplitTransaction"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromStockSplitTransaction_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ProceedsFromStockSplitTransaction_1" xml:lang="en-US" id="label_yrd_ProceedsFromStockSplitTransaction_1"> Proceeds from Stock Split Transaction </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromStockSplitTransaction" xlink:to="label_yrd_ProceedsFromStockSplitTransaction_1" xlink:title="Label : yrd_ProceedsFromStockSplitTransaction to label_yrd_ProceedsFromStockSplitTransaction_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromStockSplitTransaction_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ProceedsFromStockSplitTransaction_2" xml:lang="en-US" id="label_yrd_ProceedsFromStockSplitTransaction_2"> Aggregate cash consideration for stock split transaction </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromStockSplitTransaction" xlink:to="label_yrd_ProceedsFromStockSplitTransaction_2" xlink:title="Label : yrd_ProceedsFromStockSplitTransaction to label_yrd_ProceedsFromStockSplitTransaction_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ProceedsFromIssuanceOfPrivatePlacementGross" xlink:label="yrd_ProceedsFromIssuanceOfPrivatePlacementGross" xlink:title="yrd_ProceedsFromIssuanceOfPrivatePlacementGross"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross" xml:lang="en-US" id="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross"> Aggregate proceeds associated with the amount received from entity''s raising of capital via private rather than public placement. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromIssuanceOfPrivatePlacementGross" xlink:to="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross" xlink:title="Label : yrd_ProceedsFromIssuanceOfPrivatePlacementGross to label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_1" xml:lang="en-US" id="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_1"> Proceeds from Issuance of Private Placement, Gross </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromIssuanceOfPrivatePlacementGross" xlink:to="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_1" xlink:title="Label : yrd_ProceedsFromIssuanceOfPrivatePlacementGross to label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_2" xml:lang="en-US" id="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_2"> Aggregate cash consideration from private placement </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ProceedsFromIssuanceOfPrivatePlacementGross" xlink:to="label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_2" xlink:title="Label : yrd_ProceedsFromIssuanceOfPrivatePlacementGross to label_yrd_ProceedsFromIssuanceOfPrivatePlacementGross_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts" xlink:label="yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts" xlink:title="yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts" xml:lang="en-US" id="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts"> Amount of decrease in additional paid in capital (APIC) resulting from direct costs associated with a private placement. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts" xlink:to="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts" xlink:title="Label : yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts to label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_1" xml:lang="en-US" id="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_1"> Adjustments to Additional Paid in Capital, Private Placement, Issuance Costs </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts" xlink:to="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_1" xlink:title="Label : yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts to label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_2" xml:lang="en-US" id="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_2"> Private placement offering costs </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts" xlink:to="label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_2" xlink:title="Label : yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts to label_yrd_AdjustmentsToAdditionalPaidInCapitalPrivatePlacementIssuanceCosts_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_BorrowerAcquisitionAndReferralServicesMember" xlink:label="yrd_BorrowerAcquisitionAndReferralServicesMember" xlink:title="yrd_BorrowerAcquisitionAndReferralServicesMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BorrowerAcquisitionAndReferralServicesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_BorrowerAcquisitionAndReferralServicesMember" xml:lang="en-US" id="label_yrd_BorrowerAcquisitionAndReferralServicesMember"> Borrower acquisition and referral services [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BorrowerAcquisitionAndReferralServicesMember" xlink:to="label_yrd_BorrowerAcquisitionAndReferralServicesMember" xlink:title="Label : yrd_BorrowerAcquisitionAndReferralServicesMember to label_yrd_BorrowerAcquisitionAndReferralServicesMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BorrowerAcquisitionAndReferralServicesMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_BorrowerAcquisitionAndReferralServicesMember_1" xml:lang="en-US" id="label_yrd_BorrowerAcquisitionAndReferralServicesMember_1"> Borrower Acquisition and Referral Services [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BorrowerAcquisitionAndReferralServicesMember" xlink:to="label_yrd_BorrowerAcquisitionAndReferralServicesMember_1" xlink:title="Label : yrd_BorrowerAcquisitionAndReferralServicesMember to label_yrd_BorrowerAcquisitionAndReferralServicesMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BorrowerAcquisitionAndReferralServicesMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_BorrowerAcquisitionAndReferralServicesMember_2" xml:lang="en-US" id="label_yrd_BorrowerAcquisitionAndReferralServicesMember_2"> Borrower acquisition and referral services [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BorrowerAcquisitionAndReferralServicesMember" xlink:to="label_yrd_BorrowerAcquisitionAndReferralServicesMember_2" xlink:title="Label : yrd_BorrowerAcquisitionAndReferralServicesMember to label_yrd_BorrowerAcquisitionAndReferralServicesMember_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ZheHaoShanghaiAssetManagementCompanyMember" xlink:label="yrd_ZheHaoShanghaiAssetManagementCompanyMember" xlink:title="yrd_ZheHaoShanghaiAssetManagementCompanyMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember" xml:lang="en-US" id="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember"> Zhe Hao Shanghai Asset Management Company [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ZheHaoShanghaiAssetManagementCompanyMember" xlink:to="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember" xlink:title="Label : yrd_ZheHaoShanghaiAssetManagementCompanyMember to label_yrd_ZheHaoShanghaiAssetManagementCompanyMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_1" xml:lang="en-US" id="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_1"> Zhe Hao Shanghai Asset Management Company [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ZheHaoShanghaiAssetManagementCompanyMember" xlink:to="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_1" xlink:title="Label : yrd_ZheHaoShanghaiAssetManagementCompanyMember to label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_2" xml:lang="en-US" id="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_2"> Zhe Hao [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ZheHaoShanghaiAssetManagementCompanyMember" xlink:to="label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_2" xlink:title="Label : yrd_ZheHaoShanghaiAssetManagementCompanyMember to label_yrd_ZheHaoShanghaiAssetManagementCompanyMember_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_ChinaInternationalCapitalCorporationLimitedMember" xlink:label="yrd_ChinaInternationalCapitalCorporationLimitedMember" xlink:title="yrd_ChinaInternationalCapitalCorporationLimitedMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ChinaInternationalCapitalCorporationLimitedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_ChinaInternationalCapitalCorporationLimitedMember" xml:lang="en-US" id="label_yrd_ChinaInternationalCapitalCorporationLimitedMember"> China International Capital Corporation Limited [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ChinaInternationalCapitalCorporationLimitedMember" xlink:to="label_yrd_ChinaInternationalCapitalCorporationLimitedMember" xlink:title="Label : yrd_ChinaInternationalCapitalCorporationLimitedMember to label_yrd_ChinaInternationalCapitalCorporationLimitedMember"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ChinaInternationalCapitalCorporationLimitedMember_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_ChinaInternationalCapitalCorporationLimitedMember_1" xml:lang="en-US" id="label_yrd_ChinaInternationalCapitalCorporationLimitedMember_1"> China International Capital Corporation Limited [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ChinaInternationalCapitalCorporationLimitedMember" xlink:to="label_yrd_ChinaInternationalCapitalCorporationLimitedMember_1" xlink:title="Label : yrd_ChinaInternationalCapitalCorporationLimitedMember to label_yrd_ChinaInternationalCapitalCorporationLimitedMember_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_ChinaInternationalCapitalCorporationLimitedMember_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_ChinaInternationalCapitalCorporationLimitedMember_2" xml:lang="en-US" id="label_yrd_ChinaInternationalCapitalCorporationLimitedMember_2"> SPV Manager [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_ChinaInternationalCapitalCorporationLimitedMember" xlink:to="label_yrd_ChinaInternationalCapitalCorporationLimitedMember_2" xlink:title="Label : yrd_ChinaInternationalCapitalCorporationLimitedMember to label_yrd_ChinaInternationalCapitalCorporationLimitedMember_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_BenefitFromTrust" xlink:label="yrd_BenefitFromTrust" xlink:title="yrd_BenefitFromTrust"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BenefitFromTrust" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_BenefitFromTrust" xml:lang="en-US" id="label_yrd_BenefitFromTrust"> Benefit from trust assets during the period. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BenefitFromTrust" xlink:to="label_yrd_BenefitFromTrust" xlink:title="Label : yrd_BenefitFromTrust to label_yrd_BenefitFromTrust"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BenefitFromTrust_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_BenefitFromTrust_1" xml:lang="en-US" id="label_yrd_BenefitFromTrust_1"> Benefit from Trust </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BenefitFromTrust" xlink:to="label_yrd_BenefitFromTrust_1" xlink:title="Label : yrd_BenefitFromTrust to label_yrd_BenefitFromTrust_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_BenefitFromTrust_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_BenefitFromTrust_2" xml:lang="en-US" id="label_yrd_BenefitFromTrust_2"> Benefit from trust </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_BenefitFromTrust" xlink:to="label_yrd_BenefitFromTrust_2" xlink:title="Label : yrd_BenefitFromTrust to label_yrd_BenefitFromTrust_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference" xlink:label="yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference" xlink:title="yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference" xml:lang="en-US" id="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference"> Effect of exchange rate on fair value of financial instrument classified as an asset measured using unobservable inputs that reflect the entity''s own assumption about the assumptions market participants would use in pricing. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference" xlink:to="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference" xlink:title="Label : yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference to label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_1" xml:lang="en-US" id="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_1"> Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Exchange Difference </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference" xlink:to="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_1" xlink:title="Label : yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference to label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_2" xml:lang="en-US" id="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_2"> Exchange difference </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference" xlink:to="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_2" xlink:title="Label : yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference to label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetExchangeDifference_2"/>

<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference" xlink:label="yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference" xlink:title="yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference" xml:lang="en-US" id="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference"> Effect of exchange rate on fair value of financial instrument classified as a liability measured using unobservable inputs that reflect the entity''s own assumption about the assumptions market participants would use in pricing. </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference" xlink:to="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference" xlink:title="Label : yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference to label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_1" xml:lang="en-US" id="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_1"> Fair Value, Measurement with Unobservable Inputs Reconciliations, Recurring Basis, Liability Exchange Difference </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference" xlink:to="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_1" xlink:title="Label : yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference to label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_1"/>

<link:label xlink:type="resource" xlink:label="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_2" xml:lang="en-US" id="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_2"> Exchange difference </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference" xlink:to="label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_2" xlink:title="Label : yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference to label_yrd_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityExchangeDifference_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" xlink:title="dei_EntityWellKnownSeasonedIssuer"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityWellKnownSeasonedIssuer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityWellKnownSeasonedIssuer" xml:lang="en-US" id="label_dei_EntityWellKnownSeasonedIssuer"> Entity Well-known Seasoned Issuer </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="label_dei_EntityWellKnownSeasonedIssuer" xlink:title="Label : dei_EntityWellKnownSeasonedIssuer to label_dei_EntityWellKnownSeasonedIssuer"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" xlink:title="dei_EntityCurrentReportingStatus"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityCurrentReportingStatus" xml:lang="en-US" id="label_dei_EntityCurrentReportingStatus"> Entity Current Reporting Status </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="label_dei_EntityCurrentReportingStatus" xlink:title="Label : dei_EntityCurrentReportingStatus to label_dei_EntityCurrentReportingStatus"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" xlink:title="dei_EntityFilerCategory"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityFilerCategory" xml:lang="en-US" id="label_dei_EntityFilerCategory"> Entity Filer Category </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="label_dei_EntityFilerCategory" xlink:title="Label : dei_EntityFilerCategory to label_dei_EntityFilerCategory"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xlink:title="dei_EntityRegistrantName"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityRegistrantName" xml:lang="en-US" id="label_dei_EntityRegistrantName"> Entity Registrant Name </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="label_dei_EntityRegistrantName" xlink:title="Label : dei_EntityRegistrantName to label_dei_EntityRegistrantName"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xlink:title="dei_EntityCentralIndexKey"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityCentralIndexKey" xml:lang="en-US" id="label_dei_EntityCentralIndexKey"> Entity Central Index Key </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="label_dei_EntityCentralIndexKey" xlink:title="Label : dei_EntityCentralIndexKey to label_dei_EntityCentralIndexKey"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" xlink:title="dei_EntityCommonStockSharesOutstanding"/>

<link:label xlink:type="resource" xlink:label="label_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_EntityCommonStockSharesOutstanding" xml:lang="en-US" id="label_dei_EntityCommonStockSharesOutstanding"> Entity Common Stock, Shares Outstanding </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="label_dei_EntityCommonStockSharesOutstanding" xlink:title="Label : dei_EntityCommonStockSharesOutstanding to label_dei_EntityCommonStockSharesOutstanding"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" xlink:title="dei_DocumentFiscalYearFocus"/>

<link:label xlink:type="resource" xlink:label="label_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_DocumentFiscalYearFocus" xml:lang="en-US" id="label_dei_DocumentFiscalYearFocus"> Document Fiscal Year Focus </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="label_dei_DocumentFiscalYearFocus" xlink:title="Label : dei_DocumentFiscalYearFocus to label_dei_DocumentFiscalYearFocus"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:title="dei_DocumentFiscalPeriodFocus"/>

<link:label xlink:type="resource" xlink:label="label_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_DocumentFiscalPeriodFocus" xml:lang="en-US" id="label_dei_DocumentFiscalPeriodFocus"> Document Fiscal Period Focus </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="label_dei_DocumentFiscalPeriodFocus" xlink:title="Label : dei_DocumentFiscalPeriodFocus to label_dei_DocumentFiscalPeriodFocus"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xlink:title="dei_LegalEntityAxis"/>

<link:label xlink:type="resource" xlink:label="label_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_LegalEntityAxis" xml:lang="en-US" id="label_dei_LegalEntityAxis"> Legal Entity [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="label_dei_LegalEntityAxis" xlink:title="Label : dei_LegalEntityAxis to label_dei_LegalEntityAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xlink:title="dei_DocumentType"/>

<link:label xlink:type="resource" xlink:label="label_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_dei_DocumentType" xml:lang="en-US" id="label_dei_DocumentType"> Document Type </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="label_dei_DocumentType" xlink:title="Label : dei_DocumentType to label_dei_DocumentType"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="us-gaap_AccountingPoliciesAbstract" xlink:title="us-gaap_AccountingPoliciesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountingPoliciesAbstract" xml:lang="en-US" id="label_us-gaap_AccountingPoliciesAbstract"> SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingPoliciesAbstract" xlink:to="label_us-gaap_AccountingPoliciesAbstract" xlink:title="Label : us-gaap_AccountingPoliciesAbstract to label_us-gaap_AccountingPoliciesAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsPayableOtherCurrentAndNoncurrent" xlink:label="us-gaap_AccountsPayableOtherCurrentAndNoncurrent" xlink:title="us-gaap_AccountsPayableOtherCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent" xml:lang="en-US" id="label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent"> Accounts Payable, Other </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableOtherCurrentAndNoncurrent" xlink:to="label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent" xlink:title="Label : us-gaap_AccountsPayableOtherCurrentAndNoncurrent to label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent_1" xml:lang="en-US" id="label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent_1"> Accrued IPO related expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableOtherCurrentAndNoncurrent" xlink:to="label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent_1" xlink:title="Label : us-gaap_AccountsPayableOtherCurrentAndNoncurrent to label_us-gaap_AccountsPayableOtherCurrentAndNoncurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:label="us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:title="us-gaap_AccountsPayableCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsPayableCurrentAndNoncurrent" xml:lang="en-US" id="label_us-gaap_AccountsPayableCurrentAndNoncurrent"> Accounts Payable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:to="label_us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:title="Label : us-gaap_AccountsPayableCurrentAndNoncurrent to label_us-gaap_AccountsPayableCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableCurrentAndNoncurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AccountsPayableCurrentAndNoncurrent_1" xml:lang="en-US" id="label_us-gaap_AccountsPayableCurrentAndNoncurrent_1"> Accounts payable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:to="label_us-gaap_AccountsPayableCurrentAndNoncurrent_1" xlink:title="Label : us-gaap_AccountsPayableCurrentAndNoncurrent to label_us-gaap_AccountsPayableCurrentAndNoncurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/currency/2014/currency-2014-01-31.xsd#currency_AllCurrenciesDomain" xlink:label="currency_AllCurrenciesDomain" xlink:title="currency_AllCurrenciesDomain"/>

<link:label xlink:type="resource" xlink:label="label_currency_AllCurrenciesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_currency_AllCurrenciesDomain" xml:lang="en-US" id="label_currency_AllCurrenciesDomain"> All Currencies [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="currency_AllCurrenciesDomain" xlink:to="label_currency_AllCurrenciesDomain" xlink:title="Label : currency_AllCurrenciesDomain to label_currency_AllCurrenciesDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsPayableFairValueDisclosure" xlink:label="us-gaap_AccountsPayableFairValueDisclosure" xlink:title="us-gaap_AccountsPayableFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsPayableFairValueDisclosure" xml:lang="en-US" id="label_us-gaap_AccountsPayableFairValueDisclosure"> Accounts Payable, Fair Value Disclosure </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableFairValueDisclosure" xlink:to="label_us-gaap_AccountsPayableFairValueDisclosure" xlink:title="Label : us-gaap_AccountsPayableFairValueDisclosure to label_us-gaap_AccountsPayableFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AccountsPayableFairValueDisclosure_1" xml:lang="en-US" id="label_us-gaap_AccountsPayableFairValueDisclosure_1"> Payable to fund at fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableFairValueDisclosure" xlink:to="label_us-gaap_AccountsPayableFairValueDisclosure_1" xlink:title="Label : us-gaap_AccountsPayableFairValueDisclosure to label_us-gaap_AccountsPayableFairValueDisclosure_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsPayableMember" xlink:label="us-gaap_AccountsPayableMember" xlink:title="us-gaap_AccountsPayableMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsPayableMember" xml:lang="en-US" id="label_us-gaap_AccountsPayableMember"> Accounts Payable [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableMember" xlink:to="label_us-gaap_AccountsPayableMember" xlink:title="Label : us-gaap_AccountsPayableMember to label_us-gaap_AccountsPayableMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AccountsPayableMember_1" xml:lang="en-US" id="label_us-gaap_AccountsPayableMember_1"> Loans and payable to fund [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableMember" xlink:to="label_us-gaap_AccountsPayableMember_1" xlink:title="Label : us-gaap_AccountsPayableMember to label_us-gaap_AccountsPayableMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsReceivableNet" xlink:label="us-gaap_AccountsReceivableNet" xlink:title="us-gaap_AccountsReceivableNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsReceivableNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsReceivableNet" xml:lang="en-US" id="label_us-gaap_AccountsReceivableNet"> Accounts Receivable, Net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableNet" xlink:to="label_us-gaap_AccountsReceivableNet" xlink:title="Label : us-gaap_AccountsReceivableNet to label_us-gaap_AccountsReceivableNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsReceivableNet_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AccountsReceivableNet_1" xml:lang="en-US" id="label_us-gaap_AccountsReceivableNet_1"> Accounts receivable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableNet" xlink:to="label_us-gaap_AccountsReceivableNet_1" xlink:title="Label : us-gaap_AccountsReceivableNet to label_us-gaap_AccountsReceivableNet_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:title="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xml:lang="en-US" id="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent"> Accounts Payable and Accrued Liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:title="Label : us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent to label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_1" xml:lang="en-US" id="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_1"> Accrued expenses and other liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_1" xlink:title="Label : us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent to label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_1"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_2" xlink:title="Label : us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent to label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_2"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_3" xlink:title="Label : us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent to label_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent_3"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock" xlink:to="label_us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock" xlink:title="Label : us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock to label_us-gaap_AccountsPayableAccruedLiabilitiesAndOtherLiabilitiesDisclosureCurrentTextBlock"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccruedAdvertisingCurrentAndNoncurrent" xlink:label="us-gaap_AccruedAdvertisingCurrentAndNoncurrent" xlink:title="us-gaap_AccruedAdvertisingCurrentAndNoncurrent"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedAdvertisingCurrentAndNoncurrent" xlink:to="label_us-gaap_AccruedAdvertisingCurrentAndNoncurrent" xlink:title="Label : us-gaap_AccruedAdvertisingCurrentAndNoncurrent to label_us-gaap_AccruedAdvertisingCurrentAndNoncurrent"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedAdvertisingCurrentAndNoncurrent" xlink:to="label_us-gaap_AccruedAdvertisingCurrentAndNoncurrent_1" xlink:title="Label : us-gaap_AccruedAdvertisingCurrentAndNoncurrent to label_us-gaap_AccruedAdvertisingCurrentAndNoncurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:title="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="label_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_1" xlink:title="Label : us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment to label_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_1"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember" xlink:label="us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember" xlink:title="us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember" xlink:to="label_us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember" xlink:title="Label : us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember to label_us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember" xlink:to="label_us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember_1" xlink:title="Label : us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember to label_us-gaap_AccumulatedDistributionsInExcessOfNetIncomeMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:title="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_1" xml:lang="en-US" id="label_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_1"> Accumulated other comprehensive loss </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="us-gaap_AdditionalPaidInCapital" xlink:title="us-gaap_AdditionalPaidInCapital"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AdditionalPaidInCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AdditionalPaidInCapital" xml:lang="en-US" id="label_us-gaap_AdditionalPaidInCapital"> Additional Paid in Capital </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapital" xlink:to="label_us-gaap_AdditionalPaidInCapital" xlink:title="Label : us-gaap_AdditionalPaidInCapital to label_us-gaap_AdditionalPaidInCapital"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AdditionalPaidInCapital_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AdditionalPaidInCapital_1" xml:lang="en-US" id="label_us-gaap_AdditionalPaidInCapital_1"> Additional paid-in capital </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapital" xlink:to="label_us-gaap_AdditionalPaidInCapital_1" xlink:title="Label : us-gaap_AdditionalPaidInCapital to label_us-gaap_AdditionalPaidInCapital_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="us-gaap_AdditionalPaidInCapitalMember" xlink:title="us-gaap_AdditionalPaidInCapitalMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AdditionalPaidInCapitalMember" xml:lang="en-US" id="label_us-gaap_AdditionalPaidInCapitalMember"> Additional Paid-in Capital [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalMember" xlink:to="label_us-gaap_AdditionalPaidInCapitalMember" xlink:title="Label : us-gaap_AdditionalPaidInCapitalMember to label_us-gaap_AdditionalPaidInCapitalMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AdditionalPaidInCapitalMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AdditionalPaidInCapitalMember_1" xml:lang="en-US" id="label_us-gaap_AdditionalPaidInCapitalMember_1"> Additional paid-in capital [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalMember" xlink:to="label_us-gaap_AdditionalPaidInCapitalMember_1" xlink:title="Label : us-gaap_AdditionalPaidInCapitalMember to label_us-gaap_AdditionalPaidInCapitalMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:title="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts" xlink:title="us-gaap_AdjustmentsToAdditionalPaidInCapitalStockIssuedIssuanceCosts"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AssetsFairValueDisclosureAbstract" xml:lang="en-US" id="label_us-gaap_AssetsFairValueDisclosureAbstract"> Assets, Fair Value Disclosure [Abstract] </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="us-gaap_AssetsAbstract" xlink:title="us-gaap_AssetsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AssetsAbstract" xml:lang="en-US" id="label_us-gaap_AssetsAbstract"> Assets [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsAbstract" xlink:to="label_us-gaap_AssetsAbstract" xlink:title="Label : us-gaap_AssetsAbstract to label_us-gaap_AssetsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AssetsAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AssetsAbstract_1" xml:lang="en-US" id="label_us-gaap_AssetsAbstract_1"> Assets: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsAbstract" xlink:to="label_us-gaap_AssetsAbstract_1" xlink:title="Label : us-gaap_AssetsAbstract to label_us-gaap_AssetsAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="us-gaap_AssetsFairValueDisclosure" xlink:title="us-gaap_AssetsFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AssetsFairValueDisclosure" xml:lang="en-US" id="label_us-gaap_AssetsFairValueDisclosure"> Assets, Fair Value Disclosure </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="label_us-gaap_AssetsFairValueDisclosure" xlink:title="Label : us-gaap_AssetsFairValueDisclosure to label_us-gaap_AssetsFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AssetsFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_AssetsFairValueDisclosure_1" xml:lang="en-US" id="label_us-gaap_AssetsFairValueDisclosure_1"> Total Assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="label_us-gaap_AssetsFairValueDisclosure_1" xlink:title="Label : us-gaap_AssetsFairValueDisclosure to label_us-gaap_AssetsFairValueDisclosure_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" xlink:title="us-gaap_Assets"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_Assets" xml:lang="en-US" id="label_us-gaap_Assets"> Assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="label_us-gaap_Assets" xlink:title="Label : us-gaap_Assets to label_us-gaap_Assets"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_Assets_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_Assets_1" xml:lang="en-US" id="label_us-gaap_Assets_1"> Total assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="label_us-gaap_Assets_1" xlink:title="Label : us-gaap_Assets to label_us-gaap_Assets_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_Assets_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_Assets_2" xml:lang="en-US" id="label_us-gaap_Assets_2"> Total assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="label_us-gaap_Assets_2" xlink:title="Label : us-gaap_Assets to label_us-gaap_Assets_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AssetsFairValueAdjustment" xlink:label="us-gaap_AssetsFairValueAdjustment" xlink:title="us-gaap_AssetsFairValueAdjustment"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AssetsFairValueAdjustment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AssetsFairValueAdjustment" xml:lang="en-US" id="label_us-gaap_AssetsFairValueAdjustment"> Assets, Fair Value Adjustment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueAdjustment" xlink:to="label_us-gaap_AssetsFairValueAdjustment" xlink:title="Label : us-gaap_AssetsFairValueAdjustment to label_us-gaap_AssetsFairValueAdjustment"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AssetsFairValueAdjustment_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AssetsFairValueAdjustment_1" xml:lang="en-US" id="label_us-gaap_AssetsFairValueAdjustment_1"> Fair value adjustments of loans </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsFairValueAdjustment" xlink:to="label_us-gaap_AssetsFairValueAdjustment_1" xlink:title="Label : us-gaap_AssetsFairValueAdjustment to label_us-gaap_AssetsFairValueAdjustment_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="us-gaap_AvailableForSaleSecurities" xlink:title="us-gaap_AvailableForSaleSecurities"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AvailableForSaleSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_AvailableForSaleSecurities" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecurities"> Available-for-sale Securities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecurities" xlink:to="label_us-gaap_AvailableForSaleSecurities" xlink:title="Label : us-gaap_AvailableForSaleSecurities to label_us-gaap_AvailableForSaleSecurities"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_AvailableForSaleSecurities_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_AvailableForSaleSecurities_1" xml:lang="en-US" id="label_us-gaap_AvailableForSaleSecurities_1"> Short-term investments </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecurities" xlink:to="label_us-gaap_AvailableForSaleSecurities_1" xlink:title="Label : us-gaap_AvailableForSaleSecurities to label_us-gaap_AvailableForSaleSecurities_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:label="us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:title="us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock"> Basis of Accounting, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:to="label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:title="Label : us-gaap_BasisOfAccountingPolicyPolicyTextBlock to label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_1"> Basis of presentation </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:to="label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_1" xlink:title="Label : us-gaap_BasisOfAccountingPolicyPolicyTextBlock to label_us-gaap_BasisOfAccountingPolicyPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:label="us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:title="us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock"> Cash and Cash Equivalents, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:title="Label : us-gaap_CashAndCashEquivalentsPolicyTextBlock to label_us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock_1"> Cash and cash equivalents </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock_1" xlink:title="Label : us-gaap_CashAndCashEquivalentsPolicyTextBlock to label_us-gaap_CashAndCashEquivalentsPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:title="us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsFairValueDisclosure"> Cash and Cash Equivalents, Fair Value Disclosure </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="label_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:title="Label : us-gaap_CashAndCashEquivalentsFairValueDisclosure to label_us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CashAndCashEquivalentsFairValueDisclosure_1" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsFairValueDisclosure_1"> Cash and cash equivalents </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="label_us-gaap_CashAndCashEquivalentsFairValueDisclosure_1" xlink:title="Label : us-gaap_CashAndCashEquivalentsFairValueDisclosure to label_us-gaap_CashAndCashEquivalentsFairValueDisclosure_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:title="us-gaap_CashAndCashEquivalentsAtCarryingValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsAtCarryingValue"> Cash and Cash Equivalents, at Carrying Value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="label_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:title="Label : us-gaap_CashAndCashEquivalentsAtCarryingValue to label_us-gaap_CashAndCashEquivalentsAtCarryingValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_1" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_1"> Cash and cash equivalents, end of year </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_1" xlink:title="Label : us-gaap_CashAndCashEquivalentsAtCarryingValue to label_us-gaap_CashAndCashEquivalentsAtCarryingValue_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_2" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_2"> Cash and cash equivalents, beginning of year </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_2" xlink:title="Label : us-gaap_CashAndCashEquivalentsAtCarryingValue to label_us-gaap_CashAndCashEquivalentsAtCarryingValue_2"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_3" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_3"> Cash and cash equivalents </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="label_us-gaap_CashAndCashEquivalentsAtCarryingValue_3" xlink:title="Label : us-gaap_CashAndCashEquivalentsAtCarryingValue to label_us-gaap_CashAndCashEquivalentsAtCarryingValue_3"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:label="us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:title="us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy"> Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:to="label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:title="Label : us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy to label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_1" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_1"> Restricted cash </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:to="label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_1" xlink:title="Label : us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy to label_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"> Cash and Cash Equivalents, Period Increase (Decrease) </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:title="Label : us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease to label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1" xml:lang="en-US" id="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1"> Net increase in cash and cash equivalents </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1" xlink:title="Label : us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease to label_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:label="us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:title="us-gaap_ClassificationOfVariableInterestEntityDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ClassificationOfVariableInterestEntityDomain" xml:lang="en-US" id="label_us-gaap_ClassificationOfVariableInterestEntityDomain"> Variable Interest Entity, Classification [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:to="label_us-gaap_ClassificationOfVariableInterestEntityDomain" xlink:title="Label : us-gaap_ClassificationOfVariableInterestEntityDomain to label_us-gaap_ClassificationOfVariableInterestEntityDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="us-gaap_CommitmentsAndContingencies" xlink:title="us-gaap_CommitmentsAndContingencies"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommitmentsAndContingencies" xml:lang="en-US" id="label_us-gaap_CommitmentsAndContingencies"> Commitments and Contingencies </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingencies" xlink:to="label_us-gaap_CommitmentsAndContingencies" xlink:title="Label : us-gaap_CommitmentsAndContingencies to label_us-gaap_CommitmentsAndContingencies"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommitmentsAndContingencies_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CommitmentsAndContingencies_1" xml:lang="en-US" id="label_us-gaap_CommitmentsAndContingencies_1"> Commitments and Contingencies (Note 15) </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingencies" xlink:to="label_us-gaap_CommitmentsAndContingencies_1" xlink:title="Label : us-gaap_CommitmentsAndContingencies to label_us-gaap_CommitmentsAndContingencies_1"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xml:lang="en-US" id="label_us-gaap_CommitmentsAndContingenciesDisclosureAbstract"> COMMITMENTS AND CONTINGENCIES [Abstract] </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue" xlink:title="us-gaap_CommonStockValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommonStockValue" xml:lang="en-US" id="label_us-gaap_CommonStockValue"> Common Stock, Value, Issued </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="label_us-gaap_CommonStockValue" xlink:title="Label : us-gaap_CommonStockValue to label_us-gaap_CommonStockValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockValue_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CommonStockValue_1" xml:lang="en-US" id="label_us-gaap_CommonStockValue_1"> Ordinary shares ($0.0001 par value; 500,000,000 shares authorized, 100,000,000 and 117,000,000 shares issued and outstanding as of December 31, 2014 and 2015, respectively) </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="label_us-gaap_CommonStockValue_1" xlink:title="Label : us-gaap_CommonStockValue to label_us-gaap_CommonStockValue_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockValue_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_CommonStockValue_2" xml:lang="en-US" id="label_us-gaap_CommonStockValue_2"> Ordinary shares value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="label_us-gaap_CommonStockValue_2" xlink:title="Label : us-gaap_CommonStockValue to label_us-gaap_CommonStockValue_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="us-gaap_CommonStockSharesIssued" xlink:title="us-gaap_CommonStockSharesIssued"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommonStockSharesIssued" xml:lang="en-US" id="label_us-gaap_CommonStockSharesIssued"> Common Stock, Shares, Issued </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="label_us-gaap_CommonStockSharesIssued" xlink:title="Label : us-gaap_CommonStockSharesIssued to label_us-gaap_CommonStockSharesIssued"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockSharesIssued_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CommonStockSharesIssued_1" xml:lang="en-US" id="label_us-gaap_CommonStockSharesIssued_1"> Shares issued </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="label_us-gaap_CommonStockSharesIssued_1" xlink:title="Label : us-gaap_CommonStockSharesIssued to label_us-gaap_CommonStockSharesIssued_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="us-gaap_CommonStockSharesAuthorized" xlink:title="us-gaap_CommonStockSharesAuthorized"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommonStockSharesAuthorized" xml:lang="en-US" id="label_us-gaap_CommonStockSharesAuthorized"> Common Stock, Shares Authorized </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="label_us-gaap_CommonStockSharesAuthorized" xlink:title="Label : us-gaap_CommonStockSharesAuthorized to label_us-gaap_CommonStockSharesAuthorized"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockSharesAuthorized_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CommonStockSharesAuthorized_1" xml:lang="en-US" id="label_us-gaap_CommonStockSharesAuthorized_1"> Shares authorized </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="label_us-gaap_CommonStockSharesAuthorized_1" xlink:title="Label : us-gaap_CommonStockSharesAuthorized to label_us-gaap_CommonStockSharesAuthorized_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" xlink:title="us-gaap_CommonStockParOrStatedValuePerShare"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommonStockParOrStatedValuePerShare" xml:lang="en-US" id="label_us-gaap_CommonStockParOrStatedValuePerShare"> Common Stock, Par or Stated Value Per Share </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="label_us-gaap_CommonStockParOrStatedValuePerShare" xlink:title="Label : us-gaap_CommonStockParOrStatedValuePerShare to label_us-gaap_CommonStockParOrStatedValuePerShare"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockParOrStatedValuePerShare_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CommonStockParOrStatedValuePerShare_1" xml:lang="en-US" id="label_us-gaap_CommonStockParOrStatedValuePerShare_1"> Par value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="label_us-gaap_CommonStockParOrStatedValuePerShare_1" xlink:title="Label : us-gaap_CommonStockParOrStatedValuePerShare to label_us-gaap_CommonStockParOrStatedValuePerShare_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockMember" xlink:label="us-gaap_CommonStockMember" xlink:title="us-gaap_CommonStockMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommonStockMember" xml:lang="en-US" id="label_us-gaap_CommonStockMember"> Common Stock [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="label_us-gaap_CommonStockMember" xlink:title="Label : us-gaap_CommonStockMember to label_us-gaap_CommonStockMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CommonStockMember_1" xml:lang="en-US" id="label_us-gaap_CommonStockMember_1"> Ordinary shares [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="label_us-gaap_CommonStockMember_1" xlink:title="Label : us-gaap_CommonStockMember to label_us-gaap_CommonStockMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="us-gaap_CommonStockSharesOutstanding" xlink:title="us-gaap_CommonStockSharesOutstanding"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommonStockSharesOutstanding" xml:lang="en-US" id="label_us-gaap_CommonStockSharesOutstanding"> Common Stock, Shares, Outstanding </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesOutstanding" xlink:to="label_us-gaap_CommonStockSharesOutstanding" xlink:title="Label : us-gaap_CommonStockSharesOutstanding to label_us-gaap_CommonStockSharesOutstanding"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockSharesOutstanding_1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_us-gaap_CommonStockSharesOutstanding_1" xml:lang="en-US" id="label_us-gaap_CommonStockSharesOutstanding_1"> Ending balance, shares </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesOutstanding" xlink:to="label_us-gaap_CommonStockSharesOutstanding_1" xlink:title="Label : us-gaap_CommonStockSharesOutstanding to label_us-gaap_CommonStockSharesOutstanding_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockSharesOutstanding_2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_us-gaap_CommonStockSharesOutstanding_2" xml:lang="en-US" id="label_us-gaap_CommonStockSharesOutstanding_2"> Beginning balance, shares </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesOutstanding" xlink:to="label_us-gaap_CommonStockSharesOutstanding_2" xlink:title="Label : us-gaap_CommonStockSharesOutstanding to label_us-gaap_CommonStockSharesOutstanding_2"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockSharesOutstanding_3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CommonStockSharesOutstanding_3" xml:lang="en-US" id="label_us-gaap_CommonStockSharesOutstanding_3"> Shares outstanding </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesOutstanding" xlink:to="label_us-gaap_CommonStockSharesOutstanding_3" xlink:title="Label : us-gaap_CommonStockSharesOutstanding to label_us-gaap_CommonStockSharesOutstanding_3"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:label="us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:title="us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xml:lang="en-US" id="label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract"> Common Stock, Number of Shares, Par Value and Other Disclosures [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:to="label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:title="Label : us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract to label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract_1" xml:lang="en-US" id="label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract_1"> Ordinary shares: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract" xlink:to="label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract_1" xlink:title="Label : us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract to label_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:label="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:title="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xml:lang="en-US" id="label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"> Compensation and Employee Benefit Plans [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:to="label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:title="Label : us-gaap_CompensationAndEmployeeBenefitPlansTextBlock to label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_1" xml:lang="en-US" id="label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_1"> EMPLOYEE BENEFIT PLAN </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CompensationAndEmployeeBenefitPlansTextBlock" xlink:to="label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_1" xlink:title="Label : us-gaap_CompensationAndEmployeeBenefitPlansTextBlock to label_us-gaap_CompensationAndEmployeeBenefitPlansTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:title="us-gaap_ComprehensiveIncomeNetOfTaxAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xml:lang="en-US" id="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract"> Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:to="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:title="Label : us-gaap_ComprehensiveIncomeNetOfTaxAbstract to label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_1" xml:lang="en-US" id="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_1"> Other comprehensive income/(loss), net of tax of nil: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:to="label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_1" xlink:title="Label : us-gaap_ComprehensiveIncomeNetOfTaxAbstract to label_us-gaap_ComprehensiveIncomeNetOfTaxAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax" xlink:title="us-gaap_ComprehensiveIncomeNetOfTax"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ComprehensiveIncomeNetOfTax" xml:lang="en-US" id="label_us-gaap_ComprehensiveIncomeNetOfTax"> Comprehensive Income (Loss), Net of Tax, Attributable to Parent </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="label_us-gaap_ComprehensiveIncomeNetOfTax" xlink:title="Label : us-gaap_ComprehensiveIncomeNetOfTax to label_us-gaap_ComprehensiveIncomeNetOfTax"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ComprehensiveIncomeNetOfTax_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_ComprehensiveIncomeNetOfTax_1" xml:lang="en-US" id="label_us-gaap_ComprehensiveIncomeNetOfTax_1"> Comprehensive (loss)/income </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="label_us-gaap_ComprehensiveIncomeNetOfTax_1" xlink:title="Label : us-gaap_ComprehensiveIncomeNetOfTax to label_us-gaap_ComprehensiveIncomeNetOfTax_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ComputerEquipmentMember" xlink:label="us-gaap_ComputerEquipmentMember" xlink:title="us-gaap_ComputerEquipmentMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ComputerEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ComputerEquipmentMember" xml:lang="en-US" id="label_us-gaap_ComputerEquipmentMember"> Computer Equipment [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComputerEquipmentMember" xlink:to="label_us-gaap_ComputerEquipmentMember" xlink:title="Label : us-gaap_ComputerEquipmentMember to label_us-gaap_ComputerEquipmentMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ComputerEquipmentMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ComputerEquipmentMember_1" xml:lang="en-US" id="label_us-gaap_ComputerEquipmentMember_1"> Computer and transmission equipment [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComputerEquipmentMember" xlink:to="label_us-gaap_ComputerEquipmentMember_1" xlink:title="Label : us-gaap_ComputerEquipmentMember to label_us-gaap_ComputerEquipmentMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConcentrationRiskCreditRisk" xlink:label="us-gaap_ConcentrationRiskCreditRisk" xlink:title="us-gaap_ConcentrationRiskCreditRisk"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ConcentrationRiskCreditRisk" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ConcentrationRiskCreditRisk" xml:lang="en-US" id="label_us-gaap_ConcentrationRiskCreditRisk"> Concentration Risk, Credit Risk, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskCreditRisk" xlink:to="label_us-gaap_ConcentrationRiskCreditRisk" xlink:title="Label : us-gaap_ConcentrationRiskCreditRisk to label_us-gaap_ConcentrationRiskCreditRisk"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ConcentrationRiskCreditRisk_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ConcentrationRiskCreditRisk_1" xml:lang="en-US" id="label_us-gaap_ConcentrationRiskCreditRisk_1"> Significant risks and uncertainties </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskCreditRisk" xlink:to="label_us-gaap_ConcentrationRiskCreditRisk_1" xlink:title="Label : us-gaap_ConcentrationRiskCreditRisk to label_us-gaap_ConcentrationRiskCreditRisk_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedBalanceSheetStatementTable" xlink:label="us-gaap_CondensedBalanceSheetStatementTable" xlink:title="us-gaap_CondensedBalanceSheetStatementTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedBalanceSheetStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedBalanceSheetStatementTable" xml:lang="en-US" id="label_us-gaap_CondensedBalanceSheetStatementTable"> Condensed Balance Sheet Statement [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedBalanceSheetStatementTable" xlink:to="label_us-gaap_CondensedBalanceSheetStatementTable" xlink:title="Label : us-gaap_CondensedBalanceSheetStatementTable to label_us-gaap_CondensedBalanceSheetStatementTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedCashFlowStatementTable" xlink:label="us-gaap_CondensedCashFlowStatementTable" xlink:title="us-gaap_CondensedCashFlowStatementTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedCashFlowStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedCashFlowStatementTable" xml:lang="en-US" id="label_us-gaap_CondensedCashFlowStatementTable"> Condensed Cash Flow Statement [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedCashFlowStatementTable" xlink:to="label_us-gaap_CondensedCashFlowStatementTable" xlink:title="Label : us-gaap_CondensedCashFlowStatementTable to label_us-gaap_CondensedCashFlowStatementTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedCashFlowStatementsCaptionsLineItems" xlink:label="us-gaap_CondensedCashFlowStatementsCaptionsLineItems" xlink:title="us-gaap_CondensedCashFlowStatementsCaptionsLineItems"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedCashFlowStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedCashFlowStatementsCaptionsLineItems" xml:lang="en-US" id="label_us-gaap_CondensedCashFlowStatementsCaptionsLineItems"> Condensed Cash Flow Statements, Captions [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedCashFlowStatementsCaptionsLineItems" xlink:to="label_us-gaap_CondensedCashFlowStatementsCaptionsLineItems" xlink:title="Label : us-gaap_CondensedCashFlowStatementsCaptionsLineItems to label_us-gaap_CondensedCashFlowStatementsCaptionsLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedIncomeStatementTable" xlink:label="us-gaap_CondensedIncomeStatementTable" xlink:title="us-gaap_CondensedIncomeStatementTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedIncomeStatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedIncomeStatementTable" xml:lang="en-US" id="label_us-gaap_CondensedIncomeStatementTable"> Condensed Income Statement [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedIncomeStatementTable" xlink:to="label_us-gaap_CondensedIncomeStatementTable" xlink:title="Label : us-gaap_CondensedIncomeStatementTable to label_us-gaap_CondensedIncomeStatementTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:label="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:title="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xml:lang="en-US" id="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"> Condensed Financial Information of Parent Company Only Disclosure [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:to="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:title="Label : us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock to label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_1" xml:lang="en-US" id="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_1"> Schedule 1 </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:to="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_1" xlink:title="Label : us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock to label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedIncomeStatementsCaptionsLineItems" xlink:label="us-gaap_CondensedIncomeStatementsCaptionsLineItems" xlink:title="us-gaap_CondensedIncomeStatementsCaptionsLineItems"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedIncomeStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedIncomeStatementsCaptionsLineItems" xml:lang="en-US" id="label_us-gaap_CondensedIncomeStatementsCaptionsLineItems"> Condensed Income Statements, Captions [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedIncomeStatementsCaptionsLineItems" xlink:to="label_us-gaap_CondensedIncomeStatementsCaptionsLineItems" xlink:title="Label : us-gaap_CondensedIncomeStatementsCaptionsLineItems to label_us-gaap_CondensedIncomeStatementsCaptionsLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedStatementOfComprehensiveIncomeTable" xlink:label="us-gaap_CondensedStatementOfComprehensiveIncomeTable" xlink:title="us-gaap_CondensedStatementOfComprehensiveIncomeTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedStatementOfComprehensiveIncomeTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedStatementOfComprehensiveIncomeTable" xml:lang="en-US" id="label_us-gaap_CondensedStatementOfComprehensiveIncomeTable"> Condensed Statement of Comprehensive Income [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedStatementOfComprehensiveIncomeTable" xlink:to="label_us-gaap_CondensedStatementOfComprehensiveIncomeTable" xlink:title="Label : us-gaap_CondensedStatementOfComprehensiveIncomeTable to label_us-gaap_CondensedStatementOfComprehensiveIncomeTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:label="us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:title="us-gaap_CondensedFinancialStatementsCaptionsLineItems"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedFinancialStatementsCaptionsLineItems" xml:lang="en-US" id="label_us-gaap_CondensedFinancialStatementsCaptionsLineItems"> Condensed Financial Statements, Captions [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:to="label_us-gaap_CondensedFinancialStatementsCaptionsLineItems" xlink:title="Label : us-gaap_CondensedFinancialStatementsCaptionsLineItems to label_us-gaap_CondensedFinancialStatementsCaptionsLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:label="us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:title="us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems" xml:lang="en-US" id="label_us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems"> Condensed Balance Sheet Statements, Captions [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:to="label_us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems" xlink:title="Label : us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems to label_us-gaap_CondensedBalanceSheetStatementsCaptionsLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedStatementOfIncomeCaptionsLineItems" xlink:label="us-gaap_CondensedStatementOfIncomeCaptionsLineItems" xlink:title="us-gaap_CondensedStatementOfIncomeCaptionsLineItems"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedStatementOfIncomeCaptionsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedStatementOfIncomeCaptionsLineItems" xml:lang="en-US" id="label_us-gaap_CondensedStatementOfIncomeCaptionsLineItems"> Condensed Statement of Income Captions [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedStatementOfIncomeCaptionsLineItems" xlink:to="label_us-gaap_CondensedStatementOfIncomeCaptionsLineItems" xlink:title="Label : us-gaap_CondensedStatementOfIncomeCaptionsLineItems to label_us-gaap_CondensedStatementOfIncomeCaptionsLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:label="us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:title="us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock" xml:lang="en-US" id="label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock"> Condensed Statement of Comprehensive Income [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:to="label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:title="Label : us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock to label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock_1"> CONDENSED STATEMENTS OF COMPREHENSIVE INCOME OR LOSS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock" xlink:to="label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock_1" xlink:title="Label : us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock to label_us-gaap_CondensedStatementOfComprehensiveIncomeTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:title="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xml:lang="en-US" id="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"> Schedule 1 [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:to="label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:title="Label : us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract to label_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:label="us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:title="us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xml:lang="en-US" id="label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember"> Consolidated Entity Excluding Variable Interest Entities (VIE) [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:to="label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:title="Label : us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember to label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember_1" xml:lang="en-US" id="label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember_1"> Consolidated Trust [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:to="label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember_1" xlink:title="Label : us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember to label_us-gaap_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:label="us-gaap_ConsolidationPolicyTextBlock" xlink:title="us-gaap_ConsolidationPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ConsolidationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ConsolidationPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_ConsolidationPolicyTextBlock"> Consolidation, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsolidationPolicyTextBlock" xlink:to="label_us-gaap_ConsolidationPolicyTextBlock" xlink:title="Label : us-gaap_ConsolidationPolicyTextBlock to label_us-gaap_ConsolidationPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ConsolidationPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ConsolidationPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_ConsolidationPolicyTextBlock_1"> Basis of consolidation </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsolidationPolicyTextBlock" xlink:to="label_us-gaap_ConsolidationPolicyTextBlock_1" xlink:title="Label : us-gaap_ConsolidationPolicyTextBlock to label_us-gaap_ConsolidationPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CostOfSalesPolicyTextBlock" xlink:label="us-gaap_CostOfSalesPolicyTextBlock" xlink:title="us-gaap_CostOfSalesPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CostOfSalesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CostOfSalesPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_CostOfSalesPolicyTextBlock"> Cost of Sales, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostOfSalesPolicyTextBlock" xlink:to="label_us-gaap_CostOfSalesPolicyTextBlock" xlink:title="Label : us-gaap_CostOfSalesPolicyTextBlock to label_us-gaap_CostOfSalesPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CostOfSalesPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_CostOfSalesPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_CostOfSalesPolicyTextBlock_1"> Origination and servicing expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostOfSalesPolicyTextBlock" xlink:to="label_us-gaap_CostOfSalesPolicyTextBlock_1" xlink:title="Label : us-gaap_CostOfSalesPolicyTextBlock to label_us-gaap_CostOfSalesPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CurrencyAxis" xlink:label="us-gaap_CurrencyAxis" xlink:title="us-gaap_CurrencyAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CurrencyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CurrencyAxis" xml:lang="en-US" id="label_us-gaap_CurrencyAxis"> Currency [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CurrencyAxis" xlink:to="label_us-gaap_CurrencyAxis" xlink:title="Label : us-gaap_CurrencyAxis to label_us-gaap_CurrencyAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:title="us-gaap_CurrentIncomeTaxExpenseBenefit"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_CurrentIncomeTaxExpenseBenefit" xml:lang="en-US" id="label_us-gaap_CurrentIncomeTaxExpenseBenefit"> Current Income Tax Expense (Benefit) </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="label_us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:title="Label : us-gaap_CurrentIncomeTaxExpenseBenefit to label_us-gaap_CurrentIncomeTaxExpenseBenefit"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpense" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpense" xlink:title="us-gaap_DeferredTaxAssetsTaxDeferredExpense"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsTaxDeferredExpense" xlink:to="label_us-gaap_DeferredTaxAssetsTaxDeferredExpense_1" xlink:title="Label : us-gaap_DeferredTaxAssetsTaxDeferredExpense to label_us-gaap_DeferredTaxAssetsTaxDeferredExpense_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredTaxAssetsGross" xlink:label="us-gaap_DeferredTaxAssetsGross" xlink:title="us-gaap_DeferredTaxAssetsGross"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredTaxAssetsValuationAllowance" xlink:label="us-gaap_DeferredTaxAssetsValuationAllowance" xlink:title="us-gaap_DeferredTaxAssetsValuationAllowance"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxAssetsValuationAllowance" xlink:to="label_us-gaap_DeferredTaxAssetsValuationAllowance" xlink:title="Label : us-gaap_DeferredTaxAssetsValuationAllowance to label_us-gaap_DeferredTaxAssetsValuationAllowance"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves" xlink:label="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves" xlink:title="us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:label="us-gaap_DefinedBenefitPlanContributionsByEmployer" xlink:title="us-gaap_DefinedBenefitPlanContributionsByEmployer"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DueFromRelatedParties" xlink:to="label_us-gaap_DueFromRelatedParties" xlink:title="Label : us-gaap_DueFromRelatedParties to label_us-gaap_DueFromRelatedParties"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DueFromRelatedParties" xlink:to="label_us-gaap_DueFromRelatedParties_1" xlink:title="Label : us-gaap_DueFromRelatedParties to label_us-gaap_DueFromRelatedParties_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:label="us-gaap_EarningsPerSharePolicyTextBlock" xlink:title="us-gaap_EarningsPerSharePolicyTextBlock"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="label_us-gaap_EarningsPerSharePolicyTextBlock" xlink:title="Label : us-gaap_EarningsPerSharePolicyTextBlock to label_us-gaap_EarningsPerSharePolicyTextBlock"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="label_us-gaap_EarningsPerSharePolicyTextBlock_1" xlink:title="Label : us-gaap_EarningsPerSharePolicyTextBlock to label_us-gaap_EarningsPerSharePolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareBasicAndDiluted" xlink:label="us-gaap_EarningsPerShareBasicAndDiluted" xlink:title="us-gaap_EarningsPerShareBasicAndDiluted"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasicAndDiluted" xlink:to="label_us-gaap_EarningsPerShareBasicAndDiluted" xlink:title="Label : us-gaap_EarningsPerShareBasicAndDiluted to label_us-gaap_EarningsPerShareBasicAndDiluted"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EarningsPerShareBasicAndDiluted_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_EarningsPerShareBasicAndDiluted_1" xml:lang="en-US" id="label_us-gaap_EarningsPerShareBasicAndDiluted_1"> Basic and diluted (loss)/income per share </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasicAndDiluted" xlink:to="label_us-gaap_EarningsPerShareBasicAndDiluted_1" xlink:title="Label : us-gaap_EarningsPerShareBasicAndDiluted to label_us-gaap_EarningsPerShareBasicAndDiluted_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="us-gaap_EarningsPerShareTextBlock" xlink:title="us-gaap_EarningsPerShareTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EarningsPerShareTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_EarningsPerShareTextBlock" xml:lang="en-US" id="label_us-gaap_EarningsPerShareTextBlock"> Earnings Per Share [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareTextBlock" xlink:to="label_us-gaap_EarningsPerShareTextBlock" xlink:title="Label : us-gaap_EarningsPerShareTextBlock to label_us-gaap_EarningsPerShareTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EarningsPerShareTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_EarningsPerShareTextBlock_1" xml:lang="en-US" id="label_us-gaap_EarningsPerShareTextBlock_1"> NET (LOSS)/INCOME PER SHARE AND NET (LOSS)/INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareTextBlock" xlink:to="label_us-gaap_EarningsPerShareTextBlock_1" xlink:title="Label : us-gaap_EarningsPerShareTextBlock to label_us-gaap_EarningsPerShareTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="us-gaap_EarningsPerShareAbstract" xlink:title="us-gaap_EarningsPerShareAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_EarningsPerShareAbstract" xml:lang="en-US" id="label_us-gaap_EarningsPerShareAbstract"> NET (LOSS)/INCOME PER SHARE AND NET (LOSS)/INCOME ATTRIBUTABLE TO COMMON STOCKHOLDERS [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareAbstract" xlink:to="label_us-gaap_EarningsPerShareAbstract" xlink:title="Label : us-gaap_EarningsPerShareAbstract to label_us-gaap_EarningsPerShareAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" xlink:label="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" xlink:title="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" xml:lang="en-US" id="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations"> Effect of Exchange Rate on Cash and Cash Equivalents, Continuing Operations </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" xlink:to="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" xlink:title="Label : us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations to label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations_1" xml:lang="en-US" id="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations_1"> Effect of foreign exchange rate changes </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" xlink:to="label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations_1" xlink:title="Label : us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations to label_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:label="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:title="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xml:lang="en-US" id="label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"> Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:to="label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:title="Label : us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate to label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1" xml:lang="en-US" id="label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1"> Statutory tax rate in the PRC </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate" xlink:to="label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1" xlink:title="Label : us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate to label_us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent" xlink:title="us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent" xml:lang="en-US" id="label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent"> Employee-related Liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent" xlink:title="Label : us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent to label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_1" xml:lang="en-US" id="label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_1"> Accrued payroll and welfare </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_1" xlink:title="Label : us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent to label_us-gaap_EmployeeRelatedLiabilitiesCurrentAndNoncurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="us-gaap_EquityComponentDomain" xlink:title="us-gaap_EquityComponentDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_EquityComponentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_EquityComponentDomain" xml:lang="en-US" id="label_us-gaap_EquityComponentDomain"> Equity Component [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquityComponentDomain" xlink:to="label_us-gaap_EquityComponentDomain" xlink:title="Label : us-gaap_EquityComponentDomain to label_us-gaap_EquityComponentDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ExciseAndSalesTaxes" xlink:label="us-gaap_ExciseAndSalesTaxes" xlink:title="us-gaap_ExciseAndSalesTaxes"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ExciseAndSalesTaxes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ExciseAndSalesTaxes" xml:lang="en-US" id="label_us-gaap_ExciseAndSalesTaxes"> Excise and Sales Taxes </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ExciseAndSalesTaxes" xlink:to="label_us-gaap_ExciseAndSalesTaxes" xlink:title="Label : us-gaap_ExciseAndSalesTaxes to label_us-gaap_ExciseAndSalesTaxes"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ExciseAndSalesTaxes_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ExciseAndSalesTaxes_1" xml:lang="en-US" id="label_us-gaap_ExciseAndSalesTaxes_1"> VAT reduction in revenue </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ExciseAndSalesTaxes" xlink:to="label_us-gaap_ExciseAndSalesTaxes_1" xlink:title="Label : us-gaap_ExciseAndSalesTaxes to label_us-gaap_ExciseAndSalesTaxes_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:title="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"> Fair Value, Measurement with Unobservable Inputs Reconciliations, Recurring Basis, Liability Value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_1" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_1"> Ending balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_1" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_2" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_2"> Beginning balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_2" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsLossSeverity" xlink:label="us-gaap_FairValueInputsLossSeverity" xlink:title="us-gaap_FairValueInputsLossSeverity"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLossSeverity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueInputsLossSeverity" xml:lang="en-US" id="label_us-gaap_FairValueInputsLossSeverity"> Fair Value Inputs, Loss Severity </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLossSeverity" xlink:to="label_us-gaap_FairValueInputsLossSeverity" xlink:title="Label : us-gaap_FairValueInputsLossSeverity to label_us-gaap_FairValueInputsLossSeverity"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLossSeverity_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueInputsLossSeverity_1" xml:lang="en-US" id="label_us-gaap_FairValueInputsLossSeverity_1"> Net cumulative expected loss rates </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLossSeverity" xlink:to="label_us-gaap_FairValueInputsLossSeverity_1" xlink:title="Label : us-gaap_FairValueInputsLossSeverity to label_us-gaap_FairValueInputsLossSeverity_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueByLiabilityClassAxis" xlink:label="us-gaap_FairValueByLiabilityClassAxis" xlink:title="us-gaap_FairValueByLiabilityClassAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueByLiabilityClassAxis" xml:lang="en-US" id="label_us-gaap_FairValueByLiabilityClassAxis"> Liability Class [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByLiabilityClassAxis" xlink:to="label_us-gaap_FairValueByLiabilityClassAxis" xlink:title="Label : us-gaap_FairValueByLiabilityClassAxis to label_us-gaap_FairValueByLiabilityClassAxis"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsLiabilitiesQuantitativeInformationLineItems" xlink:label="us-gaap_FairValueInputsLiabilitiesQuantitativeInformationLineItems" xlink:title="us-gaap_FairValueInputsLiabilitiesQuantitativeInformationLineItems"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="us-gaap_FairValueDisclosuresAbstract" xlink:title="us-gaap_FairValueDisclosuresAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueDisclosuresAbstract" xml:lang="en-US" id="label_us-gaap_FairValueDisclosuresAbstract"> FAIR VALUE OF ASSETS AND LIABILITIES [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueDisclosuresAbstract" xlink:to="label_us-gaap_FairValueDisclosuresAbstract" xlink:title="Label : us-gaap_FairValueDisclosuresAbstract to label_us-gaap_FairValueDisclosuresAbstract"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:title="us-gaap_FairValueByFairValueHierarchyLevelAxis"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsPrepaymentRate" xlink:label="us-gaap_FairValueInputsPrepaymentRate" xlink:title="us-gaap_FairValueInputsPrepaymentRate"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsPrepaymentRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueInputsPrepaymentRate" xml:lang="en-US" id="label_us-gaap_FairValueInputsPrepaymentRate"> Fair Value Inputs, Prepayment Rate </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsPrepaymentRate" xlink:to="label_us-gaap_FairValueInputsPrepaymentRate" xlink:title="Label : us-gaap_FairValueInputsPrepaymentRate to label_us-gaap_FairValueInputsPrepaymentRate"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsPrepaymentRate_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueInputsPrepaymentRate_1" xml:lang="en-US" id="label_us-gaap_FairValueInputsPrepaymentRate_1"> Cumulative prepayment rates </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsPrepaymentRate" xlink:to="label_us-gaap_FairValueInputsPrepaymentRate_1" xlink:title="Label : us-gaap_FairValueInputsPrepaymentRate to label_us-gaap_FairValueInputsPrepaymentRate_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable" xlink:label="us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable" xlink:title="us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable" xml:lang="en-US" id="label_us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable"> Fair Value Inputs, Liabilities, Quantitative Information [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable" xlink:to="label_us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable" xlink:title="Label : us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable to label_us-gaap_FairValueInputsLiabilitiesQuantitativeInformationTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:title="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"> Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Earnings </link:label>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_1" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_1"> Change in fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_1" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1 to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:label="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:title="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xml:lang="en-US" id="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"> Fair Value by Liability Class [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:to="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:title="Label : us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain to label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="us-gaap_FairValueDisclosuresTextBlock" xlink:title="us-gaap_FairValueDisclosuresTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueDisclosuresTextBlock" xml:lang="en-US" id="label_us-gaap_FairValueDisclosuresTextBlock"> Fair Value Disclosures [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueDisclosuresTextBlock" xlink:to="label_us-gaap_FairValueDisclosuresTextBlock" xlink:title="Label : us-gaap_FairValueDisclosuresTextBlock to label_us-gaap_FairValueDisclosuresTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueDisclosuresTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueDisclosuresTextBlock_1" xml:lang="en-US" id="label_us-gaap_FairValueDisclosuresTextBlock_1"> FAIR VALUE OF ASSETS AND LIABILITIES </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueDisclosuresTextBlock" xlink:to="label_us-gaap_FairValueDisclosuresTextBlock_1" xlink:title="Label : us-gaap_FairValueDisclosuresTextBlock to label_us-gaap_FairValueDisclosuresTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:title="us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementsFairValueHierarchyDomain"> Fair Value Hierarchy [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="label_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:title="Label : us-gaap_FairValueMeasurementsFairValueHierarchyDomain to label_us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:title="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xml:lang="en-US" id="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"> Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:to="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:title="Label : us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward to label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:title="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xml:lang="en-US" id="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"> Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:to="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:title="Label : us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock to label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="us-gaap_FairValueInputsLevel3Member" xlink:title="us-gaap_FairValueInputsLevel3Member"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLevel3Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueInputsLevel3Member" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel3Member"> Fair Value, Inputs, Level 3 [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="label_us-gaap_FairValueInputsLevel3Member" xlink:title="Label : us-gaap_FairValueInputsLevel3Member to label_us-gaap_FairValueInputsLevel3Member"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLevel3Member_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueInputsLevel3Member_1" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel3Member_1"> Level 3 Inputs [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="label_us-gaap_FairValueInputsLevel3Member_1" xlink:title="Label : us-gaap_FairValueInputsLevel3Member to label_us-gaap_FairValueInputsLevel3Member_1"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueInputsLevel1Member" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel1Member"> Fair Value, Inputs, Level 1 [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="label_us-gaap_FairValueInputsLevel1Member" xlink:title="Label : us-gaap_FairValueInputsLevel1Member to label_us-gaap_FairValueInputsLevel1Member"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLevel1Member_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueInputsLevel1Member_1" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel1Member_1"> Level 1 Inputs [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="label_us-gaap_FairValueInputsLevel1Member_1" xlink:title="Label : us-gaap_FairValueInputsLevel1Member to label_us-gaap_FairValueInputsLevel1Member_1"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueInputsLevel2Member" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel2Member"> Fair Value, Inputs, Level 2 [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="label_us-gaap_FairValueInputsLevel2Member" xlink:title="Label : us-gaap_FairValueInputsLevel2Member to label_us-gaap_FairValueInputsLevel2Member"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueInputsLevel2Member_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueInputsLevel2Member_1" xml:lang="en-US" id="label_us-gaap_FairValueInputsLevel2Member_1"> Level 2 Inputs [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="label_us-gaap_FairValueInputsLevel2Member_1" xlink:title="Label : us-gaap_FairValueInputsLevel2Member to label_us-gaap_FairValueInputsLevel2Member_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:label="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:title="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xml:lang="en-US" id="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"> Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:to="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:title="Label : us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward to label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1" xml:lang="en-US" id="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1"> Payable to fund </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:to="label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1" xlink:title="Label : us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward to label_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:title="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings"> Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Earnings </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_1" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_1"> Change in fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_1" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInEarnings_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:title="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"> Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1"> Ending balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_2" xml:lang="en-US" id="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_2"> Beginning balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_2" xlink:title="Label : us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue to label_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet" xlink:title="us-gaap_FiniteLivedIntangibleAssetsNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FiniteLivedIntangibleAssetsNet" xml:lang="en-US" id="label_us-gaap_FiniteLivedIntangibleAssetsNet"> Finite-Lived Intangible Assets, Net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="label_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:title="Label : us-gaap_FiniteLivedIntangibleAssetsNet to label_us-gaap_FiniteLivedIntangibleAssetsNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsNet_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_FiniteLivedIntangibleAssetsNet_1" xml:lang="en-US" id="label_us-gaap_FiniteLivedIntangibleAssetsNet_1"> Intangible assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="label_us-gaap_FiniteLivedIntangibleAssetsNet_1" xlink:title="Label : us-gaap_FiniteLivedIntangibleAssetsNet to label_us-gaap_FiniteLivedIntangibleAssetsNet_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:title="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xml:lang="en-US" id="label_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"> Finite-Lived Intangible Assets by Major Class [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="label_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:title="Label : us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis to label_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:label="us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:title="us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock"> Foreign Currency Transactions and Translations Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:to="label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:title="Label : us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock to label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_1"> Foreign currency translation </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:to="label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_1" xlink:title="Label : us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock to label_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GeneralAndAdministrativeExpense" xlink:label="us-gaap_GeneralAndAdministrativeExpense" xlink:title="us-gaap_GeneralAndAdministrativeExpense"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GeneralAndAdministrativeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_GeneralAndAdministrativeExpense" xml:lang="en-US" id="label_us-gaap_GeneralAndAdministrativeExpense"> General and Administrative Expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GeneralAndAdministrativeExpense" xlink:to="label_us-gaap_GeneralAndAdministrativeExpense" xlink:title="Label : us-gaap_GeneralAndAdministrativeExpense to label_us-gaap_GeneralAndAdministrativeExpense"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GeneralAndAdministrativeExpense_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_GeneralAndAdministrativeExpense_1" xml:lang="en-US" id="label_us-gaap_GeneralAndAdministrativeExpense_1"> General and administrative </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GeneralAndAdministrativeExpense" xlink:to="label_us-gaap_GeneralAndAdministrativeExpense_1" xlink:title="Label : us-gaap_GeneralAndAdministrativeExpense to label_us-gaap_GeneralAndAdministrativeExpense_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GuaranteeObligationsMaximumExposure" xlink:label="us-gaap_GuaranteeObligationsMaximumExposure" xlink:title="us-gaap_GuaranteeObligationsMaximumExposure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GuaranteeObligationsMaximumExposure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_GuaranteeObligationsMaximumExposure" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsMaximumExposure"> Guarantor Obligations, Maximum Exposure, Undiscounted </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteeObligationsMaximumExposure" xlink:to="label_us-gaap_GuaranteeObligationsMaximumExposure" xlink:title="Label : us-gaap_GuaranteeObligationsMaximumExposure to label_us-gaap_GuaranteeObligationsMaximumExposure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GuaranteeObligationsMaximumExposure_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_GuaranteeObligationsMaximumExposure_1" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsMaximumExposure_1"> Maximum exposure </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteeObligationsMaximumExposure" xlink:to="label_us-gaap_GuaranteeObligationsMaximumExposure_1" xlink:title="Label : us-gaap_GuaranteeObligationsMaximumExposure to label_us-gaap_GuaranteeObligationsMaximumExposure_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:label="us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:title="us-gaap_GuaranteeObligationsCurrentCarryingValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_GuaranteeObligationsCurrentCarryingValue" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsCurrentCarryingValue"> Guarantor Obligations, Current Carrying Value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:to="label_us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:title="Label : us-gaap_GuaranteeObligationsCurrentCarryingValue to label_us-gaap_GuaranteeObligationsCurrentCarryingValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GuaranteeObligationsCurrentCarryingValue_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_GuaranteeObligationsCurrentCarryingValue_1" xml:lang="en-US" id="label_us-gaap_GuaranteeObligationsCurrentCarryingValue_1"> Liabilities from risk reserve fund guarantee </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:to="label_us-gaap_GuaranteeObligationsCurrentCarryingValue_1" xlink:title="Label : us-gaap_GuaranteeObligationsCurrentCarryingValue to label_us-gaap_GuaranteeObligationsCurrentCarryingValue_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GuaranteesAbstract" xlink:label="us-gaap_GuaranteesAbstract" xlink:title="us-gaap_GuaranteesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GuaranteesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_GuaranteesAbstract" xml:lang="en-US" id="label_us-gaap_GuaranteesAbstract"> FAIR VALUE OF LIABILITIES FROM FINANCIAL GUARANTEE ASSOCIATED TO RISK RESERVE FUND [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteesAbstract" xlink:to="label_us-gaap_GuaranteesAbstract" xlink:title="Label : us-gaap_GuaranteesAbstract to label_us-gaap_GuaranteesAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GuaranteesMember" xlink:label="us-gaap_GuaranteesMember" xlink:title="us-gaap_GuaranteesMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GuaranteesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_GuaranteesMember" xml:lang="en-US" id="label_us-gaap_GuaranteesMember"> Guarantees [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteesMember" xlink:to="label_us-gaap_GuaranteesMember" xlink:title="Label : us-gaap_GuaranteesMember to label_us-gaap_GuaranteesMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_GuaranteesMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_GuaranteesMember_1" xml:lang="en-US" id="label_us-gaap_GuaranteesMember_1"> Liabilities from risk reserve fund service [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteesMember" xlink:to="label_us-gaap_GuaranteesMember_1" xlink:title="Label : us-gaap_GuaranteesMember to label_us-gaap_GuaranteesMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GuaranteesFairValueDisclosure" xlink:label="us-gaap_GuaranteesFairValueDisclosure" xlink:title="us-gaap_GuaranteesFairValueDisclosure"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteesFairValueDisclosure" xlink:to="label_us-gaap_GuaranteesFairValueDisclosure" xlink:title="Label : us-gaap_GuaranteesFairValueDisclosure to label_us-gaap_GuaranteesFairValueDisclosure"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteesTextBlock" xlink:to="label_us-gaap_GuaranteesTextBlock" xlink:title="Label : us-gaap_GuaranteesTextBlock to label_us-gaap_GuaranteesTextBlock"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:label="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain" xlink:title="us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_HeldToMaturitySecuritiesAbstract" xlink:label="us-gaap_HeldToMaturitySecuritiesAbstract" xlink:title="us-gaap_HeldToMaturitySecuritiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_HeldToMaturitySecuritiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_HeldToMaturitySecuritiesAbstract" xml:lang="en-US" id="label_us-gaap_HeldToMaturitySecuritiesAbstract"> Held-to-maturity Securities [Abstract] </link:label>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_HeldToMaturitySecuritiesFairValue" xml:lang="en-US" id="label_us-gaap_HeldToMaturitySecuritiesFairValue"> Held-to-maturity Securities, Fair Value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesFairValue" xlink:to="label_us-gaap_HeldToMaturitySecuritiesFairValue" xlink:title="Label : us-gaap_HeldToMaturitySecuritiesFairValue to label_us-gaap_HeldToMaturitySecuritiesFairValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_HeldToMaturitySecuritiesFairValue_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_HeldToMaturitySecuritiesFairValue_1" xml:lang="en-US" id="label_us-gaap_HeldToMaturitySecuritiesFairValue_1"> Fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HeldToMaturitySecuritiesFairValue" xlink:to="label_us-gaap_HeldToMaturitySecuritiesFairValue_1" xlink:title="Label : us-gaap_HeldToMaturitySecuritiesFairValue to label_us-gaap_HeldToMaturitySecuritiesFairValue_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="us-gaap_IncomeStatementAbstract" xlink:title="us-gaap_IncomeStatementAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_IncomeStatementAbstract" xml:lang="en-US" id="label_us-gaap_IncomeStatementAbstract"> CONSOLIDATED STATEMENTS OF OPERATIONS [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeStatementAbstract" xlink:to="label_us-gaap_IncomeStatementAbstract" xlink:title="Label : us-gaap_IncomeStatementAbstract to label_us-gaap_IncomeStatementAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:label="us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:title="us-gaap_IncomeLossFromSubsidiariesNetOfTax"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_IncomeLossFromSubsidiariesNetOfTax" xml:lang="en-US" id="label_us-gaap_IncomeLossFromSubsidiariesNetOfTax"> Income (Loss) from Subsidiaries, Net of Tax </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" xlink:title="us-gaap_IncomeTaxExpenseBenefit"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US" id="label_us-gaap_IncomeTaxExpenseBenefit"> Income Tax Expense (Benefit) </link:label>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsFairValueDisclosure" xlink:to="label_us-gaap_InvestmentsFairValueDisclosure" xlink:title="Label : us-gaap_InvestmentsFairValueDisclosure to label_us-gaap_InvestmentsFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_InvestmentsFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_InvestmentsFairValueDisclosure_1" xml:lang="en-US" id="label_us-gaap_InvestmentsFairValueDisclosure_1"> Short-term investments </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsFairValueDisclosure" xlink:to="label_us-gaap_InvestmentsFairValueDisclosure_1" xlink:title="Label : us-gaap_InvestmentsFairValueDisclosure to label_us-gaap_InvestmentsFairValueDisclosure_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:label="us-gaap_LeaseholdImprovementsMember" xlink:title="us-gaap_LeaseholdImprovementsMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LeaseholdImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LeaseholdImprovementsMember" xml:lang="en-US" id="label_us-gaap_LeaseholdImprovementsMember"> Leasehold Improvements [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LeaseholdImprovementsMember" xlink:to="label_us-gaap_LeaseholdImprovementsMember" xlink:title="Label : us-gaap_LeaseholdImprovementsMember to label_us-gaap_LeaseholdImprovementsMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LeaseholdImprovementsMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_LeaseholdImprovementsMember_1" xml:lang="en-US" id="label_us-gaap_LeaseholdImprovementsMember_1"> Leasehold improvements [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LeaseholdImprovementsMember" xlink:to="label_us-gaap_LeaseholdImprovementsMember_1" xlink:title="Label : us-gaap_LeaseholdImprovementsMember to label_us-gaap_LeaseholdImprovementsMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="us-gaap_LiabilitiesAbstract" xlink:title="us-gaap_LiabilitiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LiabilitiesAbstract" xml:lang="en-US" id="label_us-gaap_LiabilitiesAbstract"> Liabilities [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAbstract" xlink:to="label_us-gaap_LiabilitiesAbstract" xlink:title="Label : us-gaap_LiabilitiesAbstract to label_us-gaap_LiabilitiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LiabilitiesAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_LiabilitiesAbstract_1" xml:lang="en-US" id="label_us-gaap_LiabilitiesAbstract_1"> Liabilities: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAbstract" xlink:to="label_us-gaap_LiabilitiesAbstract_1" xlink:title="Label : us-gaap_LiabilitiesAbstract to label_us-gaap_LiabilitiesAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" xlink:title="us-gaap_Liabilities"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_Liabilities" xml:lang="en-US" id="label_us-gaap_Liabilities"> Liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="label_us-gaap_Liabilities" xlink:title="Label : us-gaap_Liabilities to label_us-gaap_Liabilities"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_Liabilities_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_Liabilities_1" xml:lang="en-US" id="label_us-gaap_Liabilities_1"> Total liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="label_us-gaap_Liabilities_1" xlink:title="Label : us-gaap_Liabilities to label_us-gaap_Liabilities_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:label="us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:title="us-gaap_LiabilitiesFairValueDisclosureAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LiabilitiesFairValueDisclosureAbstract" xml:lang="en-US" id="label_us-gaap_LiabilitiesFairValueDisclosureAbstract"> Liabilities, Fair Value Disclosure [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="label_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:title="Label : us-gaap_LiabilitiesFairValueDisclosureAbstract to label_us-gaap_LiabilitiesFairValueDisclosureAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LiabilitiesFairValueDisclosureAbstract_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_LiabilitiesFairValueDisclosureAbstract_1" xml:lang="en-US" id="label_us-gaap_LiabilitiesFairValueDisclosureAbstract_1"> Liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="label_us-gaap_LiabilitiesFairValueDisclosureAbstract_1" xlink:title="Label : us-gaap_LiabilitiesFairValueDisclosureAbstract to label_us-gaap_LiabilitiesFairValueDisclosureAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesFairValueDisclosure" xlink:label="us-gaap_LiabilitiesFairValueDisclosure" xlink:title="us-gaap_LiabilitiesFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LiabilitiesFairValueDisclosure" xml:lang="en-US" id="label_us-gaap_LiabilitiesFairValueDisclosure"> Financial and Nonfinancial Liabilities, Fair Value Disclosure </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesFairValueDisclosure" xlink:to="label_us-gaap_LiabilitiesFairValueDisclosure" xlink:title="Label : us-gaap_LiabilitiesFairValueDisclosure to label_us-gaap_LiabilitiesFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LiabilitiesFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_LiabilitiesFairValueDisclosure_1" xml:lang="en-US" id="label_us-gaap_LiabilitiesFairValueDisclosure_1"> Total Liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesFairValueDisclosure" xlink:to="label_us-gaap_LiabilitiesFairValueDisclosure_1" xlink:title="Label : us-gaap_LiabilitiesFairValueDisclosure to label_us-gaap_LiabilitiesFairValueDisclosure_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" xlink:title="us-gaap_LiabilitiesAndStockholdersEquity"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LiabilitiesAndStockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US" id="label_us-gaap_LiabilitiesAndStockholdersEquity"> Liabilities and Equity </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="label_us-gaap_LiabilitiesAndStockholdersEquity" xlink:title="Label : us-gaap_LiabilitiesAndStockholdersEquity to label_us-gaap_LiabilitiesAndStockholdersEquity"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LiabilitiesAndStockholdersEquity_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_LiabilitiesAndStockholdersEquity_1" xml:lang="en-US" id="label_us-gaap_LiabilitiesAndStockholdersEquity_1"> Total liabilities and equity </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="label_us-gaap_LiabilitiesAndStockholdersEquity_1" xlink:title="Label : us-gaap_LiabilitiesAndStockholdersEquity to label_us-gaap_LiabilitiesAndStockholdersEquity_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:title="us-gaap_LoansAndLeasesReceivableNetReportedAmount"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount"> Loans and Leases Receivable, Net Amount </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:title="Label : us-gaap_LoansAndLeasesReceivableNetReportedAmount to label_us-gaap_LoansAndLeasesReceivableNetReportedAmount"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1" xml:lang="en-US" id="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1"> Loans at fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="label_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1" xlink:title="Label : us-gaap_LoansAndLeasesReceivableNetReportedAmount to label_us-gaap_LoansAndLeasesReceivableNetReportedAmount_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:title="us-gaap_LoansHeldForSaleFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LoansHeldForSaleFairValueDisclosure" xml:lang="en-US" id="label_us-gaap_LoansHeldForSaleFairValueDisclosure"> Loans Held-for-sale, Fair Value Disclosure </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:to="label_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:title="Label : us-gaap_LoansHeldForSaleFairValueDisclosure to label_us-gaap_LoansHeldForSaleFairValueDisclosure"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LoansHeldForSaleFairValueDisclosure_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_LoansHeldForSaleFairValueDisclosure_1" xml:lang="en-US" id="label_us-gaap_LoansHeldForSaleFairValueDisclosure_1"> Loans at fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:to="label_us-gaap_LoansHeldForSaleFairValueDisclosure_1" xlink:title="Label : us-gaap_LoansHeldForSaleFairValueDisclosure to label_us-gaap_LoansHeldForSaleFairValueDisclosure_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongTermInvestments" xlink:label="us-gaap_LongTermInvestments" xlink:title="us-gaap_LongTermInvestments"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LongTermInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LongTermInvestments" xml:lang="en-US" id="label_us-gaap_LongTermInvestments"> Long-term Investments </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermInvestments" xlink:to="label_us-gaap_LongTermInvestments" xlink:title="Label : us-gaap_LongTermInvestments to label_us-gaap_LongTermInvestments"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LongTermInvestments_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_LongTermInvestments_1" xml:lang="en-US" id="label_us-gaap_LongTermInvestments_1"> Long term investments </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermInvestments" xlink:to="label_us-gaap_LongTermInvestments_1" xlink:title="Label : us-gaap_LongTermInvestments to label_us-gaap_LongTermInvestments_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LossContingencyAccrualCarryingValuePayments" xlink:label="us-gaap_LossContingencyAccrualCarryingValuePayments" xlink:title="us-gaap_LossContingencyAccrualCarryingValuePayments"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualCarryingValuePayments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LossContingencyAccrualCarryingValuePayments" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualCarryingValuePayments"> Loss Contingency Accrual, Payments </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualCarryingValuePayments" xlink:to="label_us-gaap_LossContingencyAccrualCarryingValuePayments" xlink:title="Label : us-gaap_LossContingencyAccrualCarryingValuePayments to label_us-gaap_LossContingencyAccrualCarryingValuePayments"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualCarryingValuePayments_1" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_us-gaap_LossContingencyAccrualCarryingValuePayments_1" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualCarryingValuePayments_1"> Payment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualCarryingValuePayments" xlink:to="label_us-gaap_LossContingencyAccrualCarryingValuePayments_1" xlink:title="Label : us-gaap_LossContingencyAccrualCarryingValuePayments to label_us-gaap_LossContingencyAccrualCarryingValuePayments_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LossContingencyAccrualAtCarryingValue" xlink:label="us-gaap_LossContingencyAccrualAtCarryingValue" xlink:title="us-gaap_LossContingencyAccrualAtCarryingValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LossContingencyAccrualAtCarryingValue" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualAtCarryingValue"> Loss Contingency Accrual </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualAtCarryingValue" xlink:to="label_us-gaap_LossContingencyAccrualAtCarryingValue" xlink:title="Label : us-gaap_LossContingencyAccrualAtCarryingValue to label_us-gaap_LossContingencyAccrualAtCarryingValue"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualAtCarryingValue_1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_us-gaap_LossContingencyAccrualAtCarryingValue_1" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualAtCarryingValue_1"> Ending balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualAtCarryingValue" xlink:to="label_us-gaap_LossContingencyAccrualAtCarryingValue_1" xlink:title="Label : us-gaap_LossContingencyAccrualAtCarryingValue to label_us-gaap_LossContingencyAccrualAtCarryingValue_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualAtCarryingValue_2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_us-gaap_LossContingencyAccrualAtCarryingValue_2" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualAtCarryingValue_2"> Beginning balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualAtCarryingValue" xlink:to="label_us-gaap_LossContingencyAccrualAtCarryingValue_2" xlink:title="Label : us-gaap_LossContingencyAccrualAtCarryingValue to label_us-gaap_LossContingencyAccrualAtCarryingValue_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LossContingencyAccrualRollForward" xlink:label="us-gaap_LossContingencyAccrualRollForward" xlink:title="us-gaap_LossContingencyAccrualRollForward"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LossContingencyAccrualRollForward" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualRollForward"> Loss Contingency Accrual [Roll Forward] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualRollForward" xlink:to="label_us-gaap_LossContingencyAccrualRollForward" xlink:title="Label : us-gaap_LossContingencyAccrualRollForward to label_us-gaap_LossContingencyAccrualRollForward"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualRollForward_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_LossContingencyAccrualRollForward_1" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualRollForward_1"> Movement of liability from risk reserve fund guarantee: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualRollForward" xlink:to="label_us-gaap_LossContingencyAccrualRollForward_1" xlink:title="Label : us-gaap_LossContingencyAccrualRollForward to label_us-gaap_LossContingencyAccrualRollForward_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LossContingencyAccrualProvision" xlink:label="us-gaap_LossContingencyAccrualProvision" xlink:title="us-gaap_LossContingencyAccrualProvision"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualProvision" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_LossContingencyAccrualProvision" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualProvision"> Loss Contingency Accrual, Provision </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualProvision" xlink:to="label_us-gaap_LossContingencyAccrualProvision" xlink:title="Label : us-gaap_LossContingencyAccrualProvision to label_us-gaap_LossContingencyAccrualProvision"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_LossContingencyAccrualProvision_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_LossContingencyAccrualProvision_1" xml:lang="en-US" id="label_us-gaap_LossContingencyAccrualProvision_1"> Provision at the inception of new loans </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualProvision" xlink:to="label_us-gaap_LossContingencyAccrualProvision_1" xlink:title="Label : us-gaap_LossContingencyAccrualProvision to label_us-gaap_LossContingencyAccrualProvision_1"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy" xml:lang="en-US" id="label_us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy"> Marketable Securities, Available-for-sale Securities, Policy [Policy Text Block] </link:label>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy_1" xml:lang="en-US" id="label_us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy_1"> Short-term investments </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy" xlink:to="label_us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy_1" xlink:title="Label : us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy to label_us-gaap_MarketableSecuritiesAvailableForSaleSecuritiesPolicy_1"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_MarketableSecuritiesEquitySecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_MarketableSecuritiesEquitySecurities" xml:lang="en-US" id="label_us-gaap_MarketableSecuritiesEquitySecurities"> Marketable Securities, Equity Securities </link:label>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketableSecuritiesEquitySecurities" xlink:to="label_us-gaap_MarketableSecuritiesEquitySecurities_1" xlink:title="Label : us-gaap_MarketableSecuritiesEquitySecurities to label_us-gaap_MarketableSecuritiesEquitySecurities_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MaximumMember" xlink:label="us-gaap_MaximumMember" xlink:title="us-gaap_MaximumMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_MaximumMember" xml:lang="en-US" id="label_us-gaap_MaximumMember"> Maximum [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MaximumMember" xlink:to="label_us-gaap_MaximumMember" xlink:title="Label : us-gaap_MaximumMember to label_us-gaap_MaximumMember"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinimumMember" xlink:label="us-gaap_MinimumMember" xlink:title="us-gaap_MinimumMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_MinimumMember" xml:lang="en-US" id="label_us-gaap_MinimumMember"> Minimum [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinimumMember" xlink:to="label_us-gaap_MinimumMember" xlink:title="Label : us-gaap_MinimumMember to label_us-gaap_MinimumMember"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinorityInterestOwnershipPercentageByParent" xlink:label="us-gaap_MinorityInterestOwnershipPercentageByParent" xlink:title="us-gaap_MinorityInterestOwnershipPercentageByParent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_MinorityInterestOwnershipPercentageByParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_MinorityInterestOwnershipPercentageByParent" xml:lang="en-US" id="label_us-gaap_MinorityInterestOwnershipPercentageByParent"> Noncontrolling Interest, Ownership Percentage by Parent </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinorityInterestOwnershipPercentageByParent" xlink:to="label_us-gaap_MinorityInterestOwnershipPercentageByParent" xlink:title="Label : us-gaap_MinorityInterestOwnershipPercentageByParent to label_us-gaap_MinorityInterestOwnershipPercentageByParent"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinorityInterestOwnershipPercentageByParent" xlink:to="label_us-gaap_MinorityInterestOwnershipPercentageByParent_1" xlink:title="Label : us-gaap_MinorityInterestOwnershipPercentageByParent to label_us-gaap_MinorityInterestOwnershipPercentageByParent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"> Net Cash Provided by (Used in) Financing Activities [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:title="Label : us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract to label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1"> Cash Flows from Financing Activities: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1" xlink:title="Label : us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract to label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"> Net Cash Provided by (Used in) Investing Activities, Continuing Operations </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:to="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:title="Label : us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations to label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1"> Net cash used in investing activities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:to="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1" xlink:title="Label : us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations to label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"> Net Cash Provided by (Used in) Operating Activities, Continuing Operations </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:to="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:title="Label : us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations to label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1"> Net cash (used in) provided by operating activities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:to="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1" xlink:title="Label : us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations to label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" xlink:title="us-gaap_NetIncomeLoss"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetIncomeLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NetIncomeLoss" xml:lang="en-US" id="label_us-gaap_NetIncomeLoss"> Net Income (Loss) Attributable to Parent </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="label_us-gaap_NetIncomeLoss" xlink:title="Label : us-gaap_NetIncomeLoss to label_us-gaap_NetIncomeLoss"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetIncomeLoss_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NetIncomeLoss_1" xml:lang="en-US" id="label_us-gaap_NetIncomeLoss_1"> Net (loss)/income </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="label_us-gaap_NetIncomeLoss_1" xlink:title="Label : us-gaap_NetIncomeLoss to label_us-gaap_NetIncomeLoss_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetIncomeLoss_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_NetIncomeLoss_2" xml:lang="en-US" id="label_us-gaap_NetIncomeLoss_2"> Net (loss)/income </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="label_us-gaap_NetIncomeLoss_2" xlink:title="Label : us-gaap_NetIncomeLoss to label_us-gaap_NetIncomeLoss_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:title="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"> Net Cash Provided by (Used in) Investing Activities [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:title="Label : us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract to label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1"> Cash Flows from Investing Activities: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1" xlink:title="Label : us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract to label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:title="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"> Net Cash Provided by (Used in) Operating Activities [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:title="Label : us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract to label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1"> Cash Flows from Operating Activities: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1" xlink:title="Label : us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract to label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:title="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"> Net Cash Provided by (Used in) Financing Activities, Continuing Operations </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:title="Label : us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations to label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1" xml:lang="en-US" id="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1"> Net cash provided by financing activities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1" xlink:title="Label : us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations to label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:title="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"> New Accounting Pronouncements, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:title="Label : us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock to label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1"> Recent accounting pronouncements not yet adopted </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1" xlink:title="Label : us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock to label_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OfficeEquipmentMember" xlink:label="us-gaap_OfficeEquipmentMember" xlink:title="us-gaap_OfficeEquipmentMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OfficeEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OfficeEquipmentMember" xml:lang="en-US" id="label_us-gaap_OfficeEquipmentMember"> Office Equipment [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OfficeEquipmentMember" xlink:to="label_us-gaap_OfficeEquipmentMember" xlink:title="Label : us-gaap_OfficeEquipmentMember to label_us-gaap_OfficeEquipmentMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OfficeEquipmentMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OfficeEquipmentMember_1" xml:lang="en-US" id="label_us-gaap_OfficeEquipmentMember_1"> Furniture and office equipment [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OfficeEquipmentMember" xlink:to="label_us-gaap_OfficeEquipmentMember_1" xlink:title="Label : us-gaap_OfficeEquipmentMember to label_us-gaap_OfficeEquipmentMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses" xlink:title="us-gaap_OperatingExpenses"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingExpenses" xml:lang="en-US" id="label_us-gaap_OperatingExpenses"> Operating Expenses </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingExpenses" xlink:to="label_us-gaap_OperatingExpenses" xlink:title="Label : us-gaap_OperatingExpenses to label_us-gaap_OperatingExpenses"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingExpenses_1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_OperatingExpenses_1" xml:lang="en-US" id="label_us-gaap_OperatingExpenses_1"> Total operating costs and expenses </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingExpenses" xlink:to="label_us-gaap_OperatingExpenses_1" xlink:title="Label : us-gaap_OperatingExpenses to label_us-gaap_OperatingExpenses_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingExpenses_2" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_us-gaap_OperatingExpenses_2" xml:lang="en-US" id="label_us-gaap_OperatingExpenses_2"> Operating costs and expenses </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingExpenses" xlink:to="label_us-gaap_OperatingExpenses_2" xlink:title="Label : us-gaap_OperatingExpenses to label_us-gaap_OperatingExpenses_2"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingExpenses_3" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:title="label_us-gaap_OperatingExpenses_3" xml:lang="en-US" id="label_us-gaap_OperatingExpenses_3"> Total operating costs and expenses </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingExpenses" xlink:to="label_us-gaap_OperatingExpenses_3" xlink:title="Label : us-gaap_OperatingExpenses to label_us-gaap_OperatingExpenses_3"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"> Operating Leases, Future Minimum Payments Due, Next Twelve Months </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_1"> 2016 </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_1" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract"> Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1"> Future minimum lease payments: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingCostsAndExpensesAbstract" xlink:label="us-gaap_OperatingCostsAndExpensesAbstract" xlink:title="us-gaap_OperatingCostsAndExpensesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingCostsAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingCostsAndExpensesAbstract" xml:lang="en-US" id="label_us-gaap_OperatingCostsAndExpensesAbstract"> Operating Costs and Expenses [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingCostsAndExpensesAbstract" xlink:to="label_us-gaap_OperatingCostsAndExpensesAbstract" xlink:title="Label : us-gaap_OperatingCostsAndExpensesAbstract to label_us-gaap_OperatingCostsAndExpensesAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingCostsAndExpensesAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingCostsAndExpensesAbstract_1" xml:lang="en-US" id="label_us-gaap_OperatingCostsAndExpensesAbstract_1"> Operating costs and expenses: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingCostsAndExpensesAbstract" xlink:to="label_us-gaap_OperatingCostsAndExpensesAbstract_1" xlink:title="Label : us-gaap_OperatingCostsAndExpensesAbstract to label_us-gaap_OperatingCostsAndExpensesAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:label="us-gaap_OperatingLeasesRentExpenseNet" xlink:title="us-gaap_OperatingLeasesRentExpenseNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesRentExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesRentExpenseNet" xml:lang="en-US" id="label_us-gaap_OperatingLeasesRentExpenseNet"> Operating Leases, Rent Expense, Net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesRentExpenseNet" xlink:to="label_us-gaap_OperatingLeasesRentExpenseNet" xlink:title="Label : us-gaap_OperatingLeasesRentExpenseNet to label_us-gaap_OperatingLeasesRentExpenseNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesRentExpenseNet_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesRentExpenseNet_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesRentExpenseNet_1"> Rental expenses </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesRentExpenseNet" xlink:to="label_us-gaap_OperatingLeasesRentExpenseNet_1" xlink:title="Label : us-gaap_OperatingLeasesRentExpenseNet to label_us-gaap_OperatingLeasesRentExpenseNet_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"> Operating Leases, Future Minimum Payments, Due in Two Years </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_1"> 2017 </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_1" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears"> Operating Leases, Future Minimum Payments, Due in Four Years </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_1"> 2019 </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_1" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:title="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"> Operating Leases, Future Minimum Payments, Due in Three Years </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_1" xml:lang="en-US" id="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_1"> 2018 </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_1" xlink:title="Label : us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears to label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:title="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xml:lang="en-US" id="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"> Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:to="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:title="Label : us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock to label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_1" xml:lang="en-US" id="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_1"> ORGANIZATION AND PRINCIPAL ACTIVITIES </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:to="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_1" xlink:title="Label : us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock to label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:title="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xml:lang="en-US" id="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"> Organization and Principal Activities [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:title="Label : us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract to label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAssetsCurrent" xlink:label="us-gaap_OtherAssetsCurrent" xlink:title="us-gaap_OtherAssetsCurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OtherAssetsCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OtherAssetsCurrent" xml:lang="en-US" id="label_us-gaap_OtherAssetsCurrent"> Other Assets, Current </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssetsCurrent" xlink:to="label_us-gaap_OtherAssetsCurrent" xlink:title="Label : us-gaap_OtherAssetsCurrent to label_us-gaap_OtherAssetsCurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OtherAssetsCurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OtherAssetsCurrent_1" xml:lang="en-US" id="label_us-gaap_OtherAssetsCurrent_1"> Others </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssetsCurrent" xlink:to="label_us-gaap_OtherAssetsCurrent_1" xlink:title="Label : us-gaap_OtherAssetsCurrent to label_us-gaap_OtherAssetsCurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherSalesRevenueNet" xlink:label="us-gaap_OtherSalesRevenueNet" xlink:title="us-gaap_OtherSalesRevenueNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OtherSalesRevenueNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OtherSalesRevenueNet" xml:lang="en-US" id="label_us-gaap_OtherSalesRevenueNet"> Other Revenue, Net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherSalesRevenueNet" xlink:to="label_us-gaap_OtherSalesRevenueNet" xlink:title="Label : us-gaap_OtherSalesRevenueNet to label_us-gaap_OtherSalesRevenueNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OtherSalesRevenueNet_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OtherSalesRevenueNet_1" xml:lang="en-US" id="label_us-gaap_OtherSalesRevenueNet_1"> Others </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherSalesRevenueNet" xlink:to="label_us-gaap_OtherSalesRevenueNet_1" xlink:title="Label : us-gaap_OtherSalesRevenueNet to label_us-gaap_OtherSalesRevenueNet_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:title="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xml:lang="en-US" id="label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent"> Other Accrued Liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:title="Label : us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent to label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_1" xml:lang="en-US" id="label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_1"> Other accrued expenses </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_1" xlink:title="Label : us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent to label_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:title="us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"> Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax, Portion Attributable to Parent </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:to="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:title="Label : us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent to label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_1" xml:lang="en-US" id="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_1"> Foreign currency transaction adjustments </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:to="label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_1" xlink:title="Label : us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent to label_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProductsAndServicesDomain" xlink:label="us-gaap_ProductsAndServicesDomain" xlink:title="us-gaap_ProductsAndServicesDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ProductsAndServicesDomain" xml:lang="en-US" id="label_us-gaap_ProductsAndServicesDomain"> Products and Services [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProductsAndServicesDomain" xlink:to="label_us-gaap_ProductsAndServicesDomain" xlink:title="Label : us-gaap_ProductsAndServicesDomain to label_us-gaap_ProductsAndServicesDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ParentCompanyMember" xlink:label="us-gaap_ParentCompanyMember" xlink:title="us-gaap_ParentCompanyMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ParentCompanyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ParentCompanyMember" xml:lang="en-US" id="label_us-gaap_ParentCompanyMember"> Parent Company [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ParentCompanyMember" xlink:to="label_us-gaap_ParentCompanyMember" xlink:title="Label : us-gaap_ParentCompanyMember to label_us-gaap_ParentCompanyMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ParentCompanyMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ParentCompanyMember_1" xml:lang="en-US" id="label_us-gaap_ParentCompanyMember_1"> YIRENDAI LTD. [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ParentCompanyMember" xlink:to="label_us-gaap_ParentCompanyMember_1" xlink:title="Label : us-gaap_ParentCompanyMember to label_us-gaap_ParentCompanyMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PayablesAndAccrualsAbstract" xlink:label="us-gaap_PayablesAndAccrualsAbstract" xlink:title="us-gaap_PayablesAndAccrualsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PayablesAndAccrualsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PayablesAndAccrualsAbstract" xml:lang="en-US" id="label_us-gaap_PayablesAndAccrualsAbstract"> ACCRUED EXPENSES AND OTHER LIABILITIES [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PayablesAndAccrualsAbstract" xlink:to="label_us-gaap_PayablesAndAccrualsAbstract" xlink:title="Label : us-gaap_PayablesAndAccrualsAbstract to label_us-gaap_PayablesAndAccrualsAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsForAdvanceToAffiliate" xlink:label="us-gaap_PaymentsForAdvanceToAffiliate" xlink:title="us-gaap_PaymentsForAdvanceToAffiliate"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsForAdvanceToAffiliate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PaymentsForAdvanceToAffiliate" xml:lang="en-US" id="label_us-gaap_PaymentsForAdvanceToAffiliate"> Payments for Advance to Affiliate </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForAdvanceToAffiliate" xlink:to="label_us-gaap_PaymentsForAdvanceToAffiliate" xlink:title="Label : us-gaap_PaymentsForAdvanceToAffiliate to label_us-gaap_PaymentsForAdvanceToAffiliate"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsForAdvanceToAffiliate_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PaymentsForAdvanceToAffiliate_1" xml:lang="en-US" id="label_us-gaap_PaymentsForAdvanceToAffiliate_1"> Amounts due from subsidiaries </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForAdvanceToAffiliate" xlink:to="label_us-gaap_PaymentsForAdvanceToAffiliate_1" xlink:title="Label : us-gaap_PaymentsForAdvanceToAffiliate to label_us-gaap_PaymentsForAdvanceToAffiliate_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsForAdvanceToAffiliate_2" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_us-gaap_PaymentsForAdvanceToAffiliate_2" xml:lang="en-US" id="label_us-gaap_PaymentsForAdvanceToAffiliate_2"> Amounts due from subsidiaries </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForAdvanceToAffiliate" xlink:to="label_us-gaap_PaymentsForAdvanceToAffiliate_2" xlink:title="Label : us-gaap_PaymentsForAdvanceToAffiliate to label_us-gaap_PaymentsForAdvanceToAffiliate_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:title="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"> Payments to Acquire Property, Plant, and Equipment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:title="Label : us-gaap_PaymentsToAcquirePropertyPlantAndEquipment to label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1"> Purchase of property and equipment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1" xlink:title="Label : us-gaap_PaymentsToAcquirePropertyPlantAndEquipment to label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_2" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_2" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_2"> Purchase of property, equipment and software </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_2" xlink:title="Label : us-gaap_PaymentsToAcquirePropertyPlantAndEquipment to label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:label="us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:title="us-gaap_PaymentsToAcquireLoansHeldForInvestment"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PaymentsToAcquireLoansHeldForInvestment" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquireLoansHeldForInvestment"> Payments to Acquire Loans Held-for-investment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:to="label_us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:title="Label : us-gaap_PaymentsToAcquireLoansHeldForInvestment to label_us-gaap_PaymentsToAcquireLoansHeldForInvestment"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquireLoansHeldForInvestment_1" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_us-gaap_PaymentsToAcquireLoansHeldForInvestment_1" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquireLoansHeldForInvestment_1"> Investment in loans at fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireLoansHeldForInvestment" xlink:to="label_us-gaap_PaymentsToAcquireLoansHeldForInvestment_1" xlink:title="Label : us-gaap_PaymentsToAcquireLoansHeldForInvestment to label_us-gaap_PaymentsToAcquireLoansHeldForInvestment_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:label="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:title="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries"> Payments to Acquire Additional Interest in Subsidiaries </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:to="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:title="Label : us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries to label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_1" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_1"> Investment in a subsidiary </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:to="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_1" xlink:title="Label : us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries to label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_2" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_2" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_2"> Investment in a subsidiary </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries" xlink:to="label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_2" xlink:title="Label : us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries to label_us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquireMarketableSecurities" xlink:label="us-gaap_PaymentsToAcquireMarketableSecurities" xlink:title="us-gaap_PaymentsToAcquireMarketableSecurities"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquireMarketableSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PaymentsToAcquireMarketableSecurities" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquireMarketableSecurities"> Payments to Acquire Marketable Securities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireMarketableSecurities" xlink:to="label_us-gaap_PaymentsToAcquireMarketableSecurities" xlink:title="Label : us-gaap_PaymentsToAcquireMarketableSecurities to label_us-gaap_PaymentsToAcquireMarketableSecurities"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PaymentsToAcquireMarketableSecurities_1" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:title="label_us-gaap_PaymentsToAcquireMarketableSecurities_1" xml:lang="en-US" id="label_us-gaap_PaymentsToAcquireMarketableSecurities_1"> Purchase of short term investment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireMarketableSecurities" xlink:to="label_us-gaap_PaymentsToAcquireMarketableSecurities_1" xlink:title="Label : us-gaap_PaymentsToAcquireMarketableSecurities to label_us-gaap_PaymentsToAcquireMarketableSecurities_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PostemploymentBenefitsAbstract" xlink:label="us-gaap_PostemploymentBenefitsAbstract" xlink:title="us-gaap_PostemploymentBenefitsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PostemploymentBenefitsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PostemploymentBenefitsAbstract" xml:lang="en-US" id="label_us-gaap_PostemploymentBenefitsAbstract"> EMPLOYEE BENEFIT PLAN [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PostemploymentBenefitsAbstract" xlink:to="label_us-gaap_PostemploymentBenefitsAbstract" xlink:title="Label : us-gaap_PostemploymentBenefitsAbstract to label_us-gaap_PostemploymentBenefitsAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssets" xlink:label="us-gaap_PrepaidExpenseAndOtherAssets" xlink:title="us-gaap_PrepaidExpenseAndOtherAssets"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PrepaidExpenseAndOtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PrepaidExpenseAndOtherAssets" xml:lang="en-US" id="label_us-gaap_PrepaidExpenseAndOtherAssets"> Prepaid Expense and Other Assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseAndOtherAssets" xlink:to="label_us-gaap_PrepaidExpenseAndOtherAssets" xlink:title="Label : us-gaap_PrepaidExpenseAndOtherAssets to label_us-gaap_PrepaidExpenseAndOtherAssets"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PrepaidExpenseAndOtherAssets_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PrepaidExpenseAndOtherAssets_1" xml:lang="en-US" id="label_us-gaap_PrepaidExpenseAndOtherAssets_1"> Prepaid expenses and other assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseAndOtherAssets" xlink:to="label_us-gaap_PrepaidExpenseAndOtherAssets_1" xlink:title="Label : us-gaap_PrepaidExpenseAndOtherAssets to label_us-gaap_PrepaidExpenseAndOtherAssets_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PrepaidExpenseAndOtherAssets_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_PrepaidExpenseAndOtherAssets_2" xml:lang="en-US" id="label_us-gaap_PrepaidExpenseAndOtherAssets_2"> Total </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseAndOtherAssets" xlink:to="label_us-gaap_PrepaidExpenseAndOtherAssets_2" xlink:title="Label : us-gaap_PrepaidExpenseAndOtherAssets to label_us-gaap_PrepaidExpenseAndOtherAssets_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PrepaidTaxes" xlink:label="us-gaap_PrepaidTaxes" xlink:title="us-gaap_PrepaidTaxes"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PrepaidTaxes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PrepaidTaxes" xml:lang="en-US" id="label_us-gaap_PrepaidTaxes"> Prepaid Taxes </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidTaxes" xlink:to="label_us-gaap_PrepaidTaxes" xlink:title="Label : us-gaap_PrepaidTaxes to label_us-gaap_PrepaidTaxes"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PrepaidTaxes_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PrepaidTaxes_1" xml:lang="en-US" id="label_us-gaap_PrepaidTaxes_1"> Prepaid VAT and surcharge tax </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidTaxes" xlink:to="label_us-gaap_PrepaidTaxes_1" xlink:title="Label : us-gaap_PrepaidTaxes to label_us-gaap_PrepaidTaxes_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:label="us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:title="us-gaap_PrepaidExpenseCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PrepaidExpenseCurrentAndNoncurrent" xml:lang="en-US" id="label_us-gaap_PrepaidExpenseCurrentAndNoncurrent"> Prepaid Expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:to="label_us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:title="Label : us-gaap_PrepaidExpenseCurrentAndNoncurrent to label_us-gaap_PrepaidExpenseCurrentAndNoncurrent"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PrepaidExpenseCurrentAndNoncurrent_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PrepaidExpenseCurrentAndNoncurrent_1" xml:lang="en-US" id="label_us-gaap_PrepaidExpenseCurrentAndNoncurrent_1"> Prepaid expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseCurrentAndNoncurrent" xlink:to="label_us-gaap_PrepaidExpenseCurrentAndNoncurrent_1" xlink:title="Label : us-gaap_PrepaidExpenseCurrentAndNoncurrent to label_us-gaap_PrepaidExpenseCurrentAndNoncurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:label="us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:title="us-gaap_ProceedsFromIssuanceOfPrivatePlacement"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xml:lang="en-US" id="label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement"> Proceeds from Issuance of Private Placement </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:to="label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:title="Label : us-gaap_ProceedsFromIssuanceOfPrivatePlacement to label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement_1" xml:lang="en-US" id="label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement_1"> Proceeds from concurrent private placement, net of offering cost </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:to="label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement_1" xlink:title="Label : us-gaap_ProceedsFromIssuanceOfPrivatePlacement to label_us-gaap_ProceedsFromIssuanceOfPrivatePlacement_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:label="us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:title="us-gaap_ProceedsFromIssuanceInitialPublicOffering"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ProceedsFromIssuanceInitialPublicOffering" xml:lang="en-US" id="label_us-gaap_ProceedsFromIssuanceInitialPublicOffering"> Proceeds from Issuance Initial Public Offering </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:to="label_us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:title="Label : us-gaap_ProceedsFromIssuanceInitialPublicOffering to label_us-gaap_ProceedsFromIssuanceInitialPublicOffering"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProceedsFromIssuanceInitialPublicOffering_1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_ProceedsFromIssuanceInitialPublicOffering_1" xml:lang="en-US" id="label_us-gaap_ProceedsFromIssuanceInitialPublicOffering_1"> Proceeds from initial public offering, net of offering cost </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:to="label_us-gaap_ProceedsFromIssuanceInitialPublicOffering_1" xlink:title="Label : us-gaap_ProceedsFromIssuanceInitialPublicOffering to label_us-gaap_ProceedsFromIssuanceInitialPublicOffering_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:label="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:title="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xml:lang="en-US" id="label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"> Proceeds from Principal Repayments on Loans and Leases Held-for-investment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:to="label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:title="Label : us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment to label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_1" xml:lang="en-US" id="label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_1"> Principal payment of loans at fair value </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment" xlink:to="label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_1" xlink:title="Label : us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment to label_us-gaap_ProceedsFromPrincipalRepaymentsOnLoansAndLeasesHeldForInvestment_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities" xlink:title="us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities" xml:lang="en-US" id="label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities"> Proceeds from Sale and Maturity of Marketable Securities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities" xlink:to="label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities" xlink:title="Label : us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities to label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities_1" xml:lang="en-US" id="label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities_1"> Redemption of short term investment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities" xlink:to="label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities_1" xlink:title="Label : us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities to label_us-gaap_ProceedsFromSaleAndMaturityOfMarketableSecurities_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProductOrServiceAxis" xlink:label="us-gaap_ProductOrServiceAxis" xlink:title="us-gaap_ProductOrServiceAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ProductOrServiceAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ProductOrServiceAxis" xml:lang="en-US" id="label_us-gaap_ProductOrServiceAxis"> Products and Services [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProductOrServiceAxis" xlink:to="label_us-gaap_ProductOrServiceAxis" xlink:title="Label : us-gaap_ProductOrServiceAxis to label_us-gaap_ProductOrServiceAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:title="us-gaap_PropertyPlantAndEquipmentTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentTextBlock" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentTextBlock"> Property, Plant and Equipment [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="label_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentTextBlock to label_us-gaap_PropertyPlantAndEquipmentTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PropertyPlantAndEquipmentTextBlock_1" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentTextBlock_1"> Schedule of Property and Equipment </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="label_us-gaap_PropertyPlantAndEquipmentTextBlock_1" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentTextBlock to label_us-gaap_PropertyPlantAndEquipmentTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:label="us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:title="us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentByTypeAxis"> Property, Plant and Equipment, Type [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="label_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentByTypeAxis to label_us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:title="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"> Property, Plant and Equipment, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentPolicyTextBlock to label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_1"> Property and equipment, net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_1" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentPolicyTextBlock to label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="us-gaap_PropertyPlantAndEquipmentAbstract" xlink:title="us-gaap_PropertyPlantAndEquipmentAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentAbstract" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentAbstract"> PROPERTY AND EQUIPMENT, NET [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentAbstract" xlink:to="label_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentAbstract to label_us-gaap_PropertyPlantAndEquipmentAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:title="us-gaap_PropertyPlantAndEquipmentUsefulLife"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentUsefulLife" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentUsefulLife"> Property, Plant and Equipment, Useful Life </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="label_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentUsefulLife to label_us-gaap_PropertyPlantAndEquipmentUsefulLife"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentUsefulLife_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PropertyPlantAndEquipmentUsefulLife_1" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentUsefulLife_1"> Useful life </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="label_us-gaap_PropertyPlantAndEquipmentUsefulLife_1" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentUsefulLife to label_us-gaap_PropertyPlantAndEquipmentUsefulLife_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:title="us-gaap_PropertyPlantAndEquipmentTypeDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentTypeDomain" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentTypeDomain"> Property, Plant and Equipment, Type [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="label_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentTypeDomain to label_us-gaap_PropertyPlantAndEquipmentTypeDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" xlink:title="us-gaap_PropertyPlantAndEquipmentNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentNet"> Property, Plant and Equipment, Net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="label_us-gaap_PropertyPlantAndEquipmentNet" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentNet to label_us-gaap_PropertyPlantAndEquipmentNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentNet_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PropertyPlantAndEquipmentNet_1" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentNet_1"> Property, equipment and software, net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="label_us-gaap_PropertyPlantAndEquipmentNet_1" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentNet to label_us-gaap_PropertyPlantAndEquipmentNet_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentNet_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_PropertyPlantAndEquipmentNet_2" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentNet_2"> Property, equipment and software, net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="label_us-gaap_PropertyPlantAndEquipmentNet_2" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentNet to label_us-gaap_PropertyPlantAndEquipmentNet_2"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentNet_3" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="label_us-gaap_PropertyPlantAndEquipmentNet_3" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentNet_3"> Property and equipment, net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="label_us-gaap_PropertyPlantAndEquipmentNet_3" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentNet to label_us-gaap_PropertyPlantAndEquipmentNet_3"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="us-gaap_PropertyPlantAndEquipmentGross" xlink:title="us-gaap_PropertyPlantAndEquipmentGross"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentGross" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentGross"> Property, Plant and Equipment, Gross </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="label_us-gaap_PropertyPlantAndEquipmentGross" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentGross to label_us-gaap_PropertyPlantAndEquipmentGross"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentGross_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PropertyPlantAndEquipmentGross_1" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentGross_1"> Property. equipment and software </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="label_us-gaap_PropertyPlantAndEquipmentGross_1" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentGross to label_us-gaap_PropertyPlantAndEquipmentGross_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentLineItems" xlink:label="us-gaap_PropertyPlantAndEquipmentLineItems" xlink:title="us-gaap_PropertyPlantAndEquipmentLineItems"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentLineItems" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentLineItems"> Property, Plant and Equipment [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentLineItems" xlink:to="label_us-gaap_PropertyPlantAndEquipmentLineItems" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentLineItems to label_us-gaap_PropertyPlantAndEquipmentLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:title="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"> Property, Plant and Equipment Disclosure [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock to label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_1" xml:lang="en-US" id="label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_1"> PROPERTY AND EQUIPMENT, NET </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_1" xlink:title="Label : us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock to label_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeMember" xlink:label="us-gaap_RangeMember" xlink:title="us-gaap_RangeMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RangeMember" xml:lang="en-US" id="label_us-gaap_RangeMember"> Range [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeMember" xlink:to="label_us-gaap_RangeMember" xlink:title="Label : us-gaap_RangeMember to label_us-gaap_RangeMember"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeAxis" xlink:label="us-gaap_RangeAxis" xlink:title="us-gaap_RangeAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RangeAxis" xml:lang="en-US" id="label_us-gaap_RangeAxis"> Range [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeAxis" xlink:to="label_us-gaap_RangeAxis" xlink:title="Label : us-gaap_RangeAxis to label_us-gaap_RangeAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ReceivablesPolicyTextBlock" xlink:label="us-gaap_ReceivablesPolicyTextBlock" xlink:title="us-gaap_ReceivablesPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ReceivablesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ReceivablesPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_ReceivablesPolicyTextBlock"> Receivables, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReceivablesPolicyTextBlock" xlink:to="label_us-gaap_ReceivablesPolicyTextBlock" xlink:title="Label : us-gaap_ReceivablesPolicyTextBlock to label_us-gaap_ReceivablesPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ReceivablesPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ReceivablesPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_ReceivablesPolicyTextBlock_1"> Accounts receivable and allowance for uncollectible accounts receivable </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReceivablesPolicyTextBlock" xlink:to="label_us-gaap_ReceivablesPolicyTextBlock_1" xlink:title="Label : us-gaap_ReceivablesPolicyTextBlock to label_us-gaap_ReceivablesPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RelatedPartyTransactionDomain" xlink:label="us-gaap_RelatedPartyTransactionDomain" xlink:title="us-gaap_RelatedPartyTransactionDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RelatedPartyTransactionDomain" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionDomain"> Related Party Transaction [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionDomain" xlink:to="label_us-gaap_RelatedPartyTransactionDomain" xlink:title="Label : us-gaap_RelatedPartyTransactionDomain to label_us-gaap_RelatedPartyTransactionDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:label="us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:title="us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock"> Related Party Transactions Disclosure [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:to="label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:title="Label : us-gaap_RelatedPartyTransactionsDisclosureTextBlock to label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_1" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_1"> RELATED PARTY BALANCES AND TRANSACTIONS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:to="label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_1" xlink:title="Label : us-gaap_RelatedPartyTransactionsDisclosureTextBlock to label_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RelatedPartyTransactionLineItems" xlink:label="us-gaap_RelatedPartyTransactionLineItems" xlink:title="us-gaap_RelatedPartyTransactionLineItems"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RelatedPartyTransactionLineItems" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionLineItems"> Related Party Transaction [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionLineItems" xlink:to="label_us-gaap_RelatedPartyTransactionLineItems" xlink:title="Label : us-gaap_RelatedPartyTransactionLineItems to label_us-gaap_RelatedPartyTransactionLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty" xlink:label="us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty" xlink:title="us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty"> Related Party Transaction, Purchases from Related Party </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty" xlink:to="label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty" xlink:title="Label : us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty to label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty_1" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty_1"> Allocation cost and expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty" xlink:to="label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty_1" xlink:title="Label : us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty to label_us-gaap_RelatedPartyTransactionPurchasesFromRelatedParty_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RelatedPartyTransactionAxis" xlink:label="us-gaap_RelatedPartyTransactionAxis" xlink:title="us-gaap_RelatedPartyTransactionAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RelatedPartyTransactionAxis" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionAxis"> Related Party Transaction [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionAxis" xlink:to="label_us-gaap_RelatedPartyTransactionAxis" xlink:title="Label : us-gaap_RelatedPartyTransactionAxis to label_us-gaap_RelatedPartyTransactionAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:label="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:title="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"> Related Party [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:to="label_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:title="Label : us-gaap_RelatedPartyTransactionsByRelatedPartyAxis to label_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RelatedPartyDomain" xlink:label="us-gaap_RelatedPartyDomain" xlink:title="us-gaap_RelatedPartyDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RelatedPartyDomain" xml:lang="en-US" id="label_us-gaap_RelatedPartyDomain"> Related Party [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyDomain" xlink:to="label_us-gaap_RelatedPartyDomain" xlink:title="Label : us-gaap_RelatedPartyDomain to label_us-gaap_RelatedPartyDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RelatedPartyTransactionsAbstract" xlink:label="us-gaap_RelatedPartyTransactionsAbstract" xlink:title="us-gaap_RelatedPartyTransactionsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RelatedPartyTransactionsAbstract" xml:lang="en-US" id="label_us-gaap_RelatedPartyTransactionsAbstract"> RELATED PARTY BALANCES AND TRANSACTIONS [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionsAbstract" xlink:to="label_us-gaap_RelatedPartyTransactionsAbstract" xlink:title="Label : us-gaap_RelatedPartyTransactionsAbstract to label_us-gaap_RelatedPartyTransactionsAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RestrictedCashAndCashEquivalents" xlink:label="us-gaap_RestrictedCashAndCashEquivalents" xlink:title="us-gaap_RestrictedCashAndCashEquivalents"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RestrictedCashAndCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RestrictedCashAndCashEquivalents" xml:lang="en-US" id="label_us-gaap_RestrictedCashAndCashEquivalents"> Restricted Cash and Cash Equivalents </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndCashEquivalents" xlink:to="label_us-gaap_RestrictedCashAndCashEquivalents" xlink:title="Label : us-gaap_RestrictedCashAndCashEquivalents to label_us-gaap_RestrictedCashAndCashEquivalents"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RestrictedCashAndCashEquivalents_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_RestrictedCashAndCashEquivalents_1" xml:lang="en-US" id="label_us-gaap_RestrictedCashAndCashEquivalents_1"> Restricted cash </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndCashEquivalents" xlink:to="label_us-gaap_RestrictedCashAndCashEquivalents_1" xlink:title="Label : us-gaap_RestrictedCashAndCashEquivalents to label_us-gaap_RestrictedCashAndCashEquivalents_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="us-gaap_RetainedEarningsMember" xlink:title="us-gaap_RetainedEarningsMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RetainedEarningsMember" xml:lang="en-US" id="label_us-gaap_RetainedEarningsMember"> Retained Earnings [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsMember" xlink:to="label_us-gaap_RetainedEarningsMember" xlink:title="Label : us-gaap_RetainedEarningsMember to label_us-gaap_RetainedEarningsMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RetainedEarningsMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_RetainedEarningsMember_1" xml:lang="en-US" id="label_us-gaap_RetainedEarningsMember_1"> Retained (deficit)/earnings [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsMember" xlink:to="label_us-gaap_RetainedEarningsMember_1" xlink:title="Label : us-gaap_RetainedEarningsMember to label_us-gaap_RetainedEarningsMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:title="us-gaap_RetainedEarningsAccumulatedDeficit"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US" id="label_us-gaap_RetainedEarningsAccumulatedDeficit"> Retained Earnings (Accumulated Deficit) </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="label_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:title="Label : us-gaap_RetainedEarningsAccumulatedDeficit to label_us-gaap_RetainedEarningsAccumulatedDeficit"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RetainedEarningsAccumulatedDeficit_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_RetainedEarningsAccumulatedDeficit_1" xml:lang="en-US" id="label_us-gaap_RetainedEarningsAccumulatedDeficit_1"> Retained (deficit)/ earnings </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="label_us-gaap_RetainedEarningsAccumulatedDeficit_1" xlink:title="Label : us-gaap_RetainedEarningsAccumulatedDeficit to label_us-gaap_RetainedEarningsAccumulatedDeficit_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RevenueRecognitionPolicyTextBlock" xlink:label="us-gaap_RevenueRecognitionPolicyTextBlock" xlink:title="us-gaap_RevenueRecognitionPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RevenueRecognitionPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RevenueRecognitionPolicyTextBlock" xml:lang="en-US" id="label_us-gaap_RevenueRecognitionPolicyTextBlock"> Revenue Recognition, Policy [Policy Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenueRecognitionPolicyTextBlock" xlink:to="label_us-gaap_RevenueRecognitionPolicyTextBlock" xlink:title="Label : us-gaap_RevenueRecognitionPolicyTextBlock to label_us-gaap_RevenueRecognitionPolicyTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RevenueRecognitionPolicyTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_RevenueRecognitionPolicyTextBlock_1" xml:lang="en-US" id="label_us-gaap_RevenueRecognitionPolicyTextBlock_1"> Revenue recognition </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenueRecognitionPolicyTextBlock" xlink:to="label_us-gaap_RevenueRecognitionPolicyTextBlock_1" xlink:title="Label : us-gaap_RevenueRecognitionPolicyTextBlock to label_us-gaap_RevenueRecognitionPolicyTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:label="us-gaap_RevenueFromRelatedParties" xlink:title="us-gaap_RevenueFromRelatedParties"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RevenueFromRelatedParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_RevenueFromRelatedParties" xml:lang="en-US" id="label_us-gaap_RevenueFromRelatedParties"> Revenue from Related Parties </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenueFromRelatedParties" xlink:to="label_us-gaap_RevenueFromRelatedParties" xlink:title="Label : us-gaap_RevenueFromRelatedParties to label_us-gaap_RevenueFromRelatedParties"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_RevenueFromRelatedParties_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_RevenueFromRelatedParties_1" xml:lang="en-US" id="label_us-gaap_RevenueFromRelatedParties_1"> Revenue </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenueFromRelatedParties" xlink:to="label_us-gaap_RevenueFromRelatedParties_1" xlink:title="Label : us-gaap_RevenueFromRelatedParties to label_us-gaap_RevenueFromRelatedParties_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SalesRevenueNetAbstract" xlink:label="us-gaap_SalesRevenueNetAbstract" xlink:title="us-gaap_SalesRevenueNetAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SalesRevenueNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SalesRevenueNetAbstract" xml:lang="en-US" id="label_us-gaap_SalesRevenueNetAbstract"> Revenue, Net [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueNetAbstract" xlink:to="label_us-gaap_SalesRevenueNetAbstract" xlink:title="Label : us-gaap_SalesRevenueNetAbstract to label_us-gaap_SalesRevenueNetAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SalesRevenueNetAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_SalesRevenueNetAbstract_1" xml:lang="en-US" id="label_us-gaap_SalesRevenueNetAbstract_1"> Net revenue: </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueNetAbstract" xlink:to="label_us-gaap_SalesRevenueNetAbstract_1" xlink:title="Label : us-gaap_SalesRevenueNetAbstract to label_us-gaap_SalesRevenueNetAbstract_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SalesRevenueNet" xlink:label="us-gaap_SalesRevenueNet" xlink:title="us-gaap_SalesRevenueNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SalesRevenueNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SalesRevenueNet" xml:lang="en-US" id="label_us-gaap_SalesRevenueNet"> Revenue, Net </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueNet" xlink:to="label_us-gaap_SalesRevenueNet" xlink:title="Label : us-gaap_SalesRevenueNet to label_us-gaap_SalesRevenueNet"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SalesRevenueNet_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_SalesRevenueNet_1" xml:lang="en-US" id="label_us-gaap_SalesRevenueNet_1"> Total net revenue </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueNet" xlink:to="label_us-gaap_SalesRevenueNet_1" xlink:title="Label : us-gaap_SalesRevenueNet to label_us-gaap_SalesRevenueNet_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SalesRevenueNet_2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_SalesRevenueNet_2" xml:lang="en-US" id="label_us-gaap_SalesRevenueNet_2"> Total net revenue </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueNet" xlink:to="label_us-gaap_SalesRevenueNet_2" xlink:title="Label : us-gaap_SalesRevenueNet to label_us-gaap_SalesRevenueNet_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScenarioPreviouslyReportedMember" xlink:label="us-gaap_ScenarioPreviouslyReportedMember" xlink:title="us-gaap_ScenarioPreviouslyReportedMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScenarioPreviouslyReportedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScenarioPreviouslyReportedMember" xml:lang="en-US" id="label_us-gaap_ScenarioPreviouslyReportedMember"> Scenario, Previously Reported [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScenarioPreviouslyReportedMember" xlink:to="label_us-gaap_ScenarioPreviouslyReportedMember" xlink:title="Label : us-gaap_ScenarioPreviouslyReportedMember to label_us-gaap_ScenarioPreviouslyReportedMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScenarioPreviouslyReportedMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScenarioPreviouslyReportedMember_1" xml:lang="en-US" id="label_us-gaap_ScenarioPreviouslyReportedMember_1"> Pre-Stock Split </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScenarioPreviouslyReportedMember" xlink:to="label_us-gaap_ScenarioPreviouslyReportedMember_1" xlink:title="Label : us-gaap_ScenarioPreviouslyReportedMember to label_us-gaap_ScenarioPreviouslyReportedMember_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScenarioUnspecifiedDomain" xlink:label="us-gaap_ScenarioUnspecifiedDomain" xlink:title="us-gaap_ScenarioUnspecifiedDomain"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScenarioUnspecifiedDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScenarioUnspecifiedDomain" xml:lang="en-US" id="label_us-gaap_ScenarioUnspecifiedDomain"> Scenario, Unspecified [Domain] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScenarioUnspecifiedDomain" xlink:to="label_us-gaap_ScenarioUnspecifiedDomain" xlink:title="Label : us-gaap_ScenarioUnspecifiedDomain to label_us-gaap_ScenarioUnspecifiedDomain"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:label="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:title="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"> Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock to label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_1"> Schedule of Fair Value Hierarchy </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock" xlink:to="label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock to label_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:label="us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:title="us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"> Schedule of Related Party Transactions [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:to="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock to label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_1"> Schedule of Related Party Balances </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:to="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock to label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:label="us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:title="us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock"> Condensed Income Statement [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:to="label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock to label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock_1"> CONDENSED STATEMENTS OF OPERATIONS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock" xlink:to="label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock to label_us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:label="us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:title="us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"> Schedule of Components of Income Tax Expense (Benefit) [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:to="label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock to label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_1"> Schedule of Income Tax Expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock" xlink:to="label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock to label_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock" xlink:label="us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock" xlink:title="us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock"> Schedule of Future Minimum Lease Payments for Capital Leases [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock" xlink:to="label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock to label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock_1"> Schedule of Future Minimum Lease Payments </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock" xlink:to="label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock to label_us-gaap_ScheduleOfFutureMinimumLeasePaymentsForCapitalLeasesTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:label="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:title="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"> Schedule of Effective Income Tax Rate Reconciliation [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock to label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_1"> Reconciliation of the Statutory Income Tax Rate to Income Tax Expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock" xlink:to="label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock to label_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:label="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:title="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"> Schedule of Deferred Tax Assets and Liabilities [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock to label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_1"> Schedule of Deferred Tax Assets </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock" xlink:to="label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock to label_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:label="us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:title="us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock"> Condensed Balance Sheet [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:to="label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock to label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock_1"> CONDENSED BALANCE SHEETS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:to="label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock to label_us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:label="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:title="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock"> Condensed Cash Flow Statement [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="label_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock to label_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock" xlink:to="label_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock to label_us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:title="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"> Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock to label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1"> Schedule of Basic and Diluted Net Loss Per Share </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock to label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock" xlink:label="us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock" xlink:title="us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock"> Schedule of Accounts Payable and Accrued Liabilities [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock" xlink:to="label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock" xlink:title="Label : us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock to label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock_1"> Schedule of Accrued Expenses and Other Liabilities </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock" xlink:to="label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock to label_us-gaap_ScheduleOfAccountsPayableAndAccruedLiabilitiesTableTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:label="us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:title="us-gaap_ScheduleOfCondensedFinancialStatementsTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfCondensedFinancialStatementsTable" xml:lang="en-US" id="label_us-gaap_ScheduleOfCondensedFinancialStatementsTable"> Condensed Financial Statements [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:to="label_us-gaap_ScheduleOfCondensedFinancialStatementsTable" xlink:title="Label : us-gaap_ScheduleOfCondensedFinancialStatementsTable to label_us-gaap_ScheduleOfCondensedFinancialStatementsTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems" xlink:label="us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems" xlink:title="us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems" xml:lang="en-US" id="label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems"> Net Investment Income [Line Items] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems" xlink:to="label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems" xlink:title="Label : us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems to label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable" xlink:label="us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable" xlink:title="us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable" xml:lang="en-US" id="label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable"> Investment Income [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable" xlink:to="label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable" xlink:title="Label : us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable to label_us-gaap_ScheduleOfInvestmentIncomeReportedAmountsByCategoryTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:label="us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:title="us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xml:lang="en-US" id="label_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"> Property, Plant and Equipment [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:to="label_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:title="Label : us-gaap_ScheduleOfPropertyPlantAndEquipmentTable to label_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:label="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:title="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xml:lang="en-US" id="label_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"> Schedule of Related Party Transactions, by Related Party [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:to="label_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:title="Label : us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable to label_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:label="us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:title="us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xml:lang="en-US" id="label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"> Schedule of Variable Interest Entities [Table Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:to="label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:title="Label : us-gaap_ScheduleOfVariableInterestEntitiesTextBlock to label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_1" xml:lang="en-US" id="label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_1"> Schedule of Amounts and Balances included in the Accompanying Consolidated Financial Statements </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfVariableInterestEntitiesTextBlock" xlink:to="label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_1" xlink:title="Label : us-gaap_ScheduleOfVariableInterestEntitiesTextBlock to label_us-gaap_ScheduleOfVariableInterestEntitiesTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:label="us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:title="us-gaap_ScheduleOfVariableInterestEntitiesTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_ScheduleOfVariableInterestEntitiesTable" xml:lang="en-US" id="label_us-gaap_ScheduleOfVariableInterestEntitiesTable"> Schedule of Variable Interest Entities [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:to="label_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:title="Label : us-gaap_ScheduleOfVariableInterestEntitiesTable to label_us-gaap_ScheduleOfVariableInterestEntitiesTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="us-gaap_SegmentReportingAbstract" xlink:title="us-gaap_SegmentReportingAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SegmentReportingAbstract" xml:lang="en-US" id="label_us-gaap_SegmentReportingAbstract"> SEGMENT INFORMATION [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentReportingAbstract" xlink:to="label_us-gaap_SegmentReportingAbstract" xlink:title="Label : us-gaap_SegmentReportingAbstract to label_us-gaap_SegmentReportingAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="us-gaap_SegmentReportingDisclosureTextBlock" xlink:title="us-gaap_SegmentReportingDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SegmentReportingDisclosureTextBlock" xml:lang="en-US" id="label_us-gaap_SegmentReportingDisclosureTextBlock"> Segment Reporting Disclosure [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentReportingDisclosureTextBlock" xlink:to="label_us-gaap_SegmentReportingDisclosureTextBlock" xlink:title="Label : us-gaap_SegmentReportingDisclosureTextBlock to label_us-gaap_SegmentReportingDisclosureTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SegmentReportingDisclosureTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_SegmentReportingDisclosureTextBlock_1" xml:lang="en-US" id="label_us-gaap_SegmentReportingDisclosureTextBlock_1"> SEGMENT INFORMATION </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentReportingDisclosureTextBlock" xlink:to="label_us-gaap_SegmentReportingDisclosureTextBlock_1" xlink:title="Label : us-gaap_SegmentReportingDisclosureTextBlock to label_us-gaap_SegmentReportingDisclosureTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SellingAndMarketingExpense" xlink:label="us-gaap_SellingAndMarketingExpense" xlink:title="us-gaap_SellingAndMarketingExpense"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SellingAndMarketingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SellingAndMarketingExpense" xml:lang="en-US" id="label_us-gaap_SellingAndMarketingExpense"> Selling and Marketing Expense </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SellingAndMarketingExpense" xlink:to="label_us-gaap_SellingAndMarketingExpense" xlink:title="Label : us-gaap_SellingAndMarketingExpense to label_us-gaap_SellingAndMarketingExpense"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SellingAndMarketingExpense_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_SellingAndMarketingExpense_1" xml:lang="en-US" id="label_us-gaap_SellingAndMarketingExpense_1"> Sales and marketing </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SellingAndMarketingExpense" xlink:to="label_us-gaap_SellingAndMarketingExpense_1" xlink:title="Label : us-gaap_SellingAndMarketingExpense to label_us-gaap_SellingAndMarketingExpense_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SharePrice" xlink:label="us-gaap_SharePrice" xlink:title="us-gaap_SharePrice"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SharePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SharePrice" xml:lang="en-US" id="label_us-gaap_SharePrice"> Share Price </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharePrice" xlink:to="label_us-gaap_SharePrice" xlink:title="Label : us-gaap_SharePrice to label_us-gaap_SharePrice"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SharePrice_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_SharePrice_1" xml:lang="en-US" id="label_us-gaap_SharePrice_1"> Share price </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharePrice" xlink:to="label_us-gaap_SharePrice_1" xlink:title="Label : us-gaap_SharePrice to label_us-gaap_SharePrice_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:title="us-gaap_SignificantAccountingPoliciesTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SignificantAccountingPoliciesTextBlock" xml:lang="en-US" id="label_us-gaap_SignificantAccountingPoliciesTextBlock"> Significant Accounting Policies [Text Block] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="label_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:title="Label : us-gaap_SignificantAccountingPoliciesTextBlock to label_us-gaap_SignificantAccountingPoliciesTextBlock"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SignificantAccountingPoliciesTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_SignificantAccountingPoliciesTextBlock_1" xml:lang="en-US" id="label_us-gaap_SignificantAccountingPoliciesTextBlock_1"> SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="label_us-gaap_SignificantAccountingPoliciesTextBlock_1" xlink:title="Label : us-gaap_SignificantAccountingPoliciesTextBlock to label_us-gaap_SignificantAccountingPoliciesTextBlock_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:label="us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:title="us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xml:lang="en-US" id="label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"> Software and Software Development Costs [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:to="label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:title="Label : us-gaap_SoftwareAndSoftwareDevelopmentCostsMember to label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_1" xml:lang="en-US" id="label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_1"> Software [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SoftwareAndSoftwareDevelopmentCostsMember" xlink:to="label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_1" xlink:title="Label : us-gaap_SoftwareAndSoftwareDevelopmentCostsMember to label_us-gaap_SoftwareAndSoftwareDevelopmentCostsMember_1"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StatementLineItems" xml:lang="en-US" id="label_us-gaap_StatementLineItems"> Statement [Line Items] </link:label>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="label_us-gaap_StatementOfStockholdersEquityAbstract" xlink:title="Label : us-gaap_StatementOfStockholdersEquityAbstract to label_us-gaap_StatementOfStockholdersEquityAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" xlink:title="us-gaap_StatementOfCashFlowsAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StatementOfCashFlowsAbstract" xml:lang="en-US" id="label_us-gaap_StatementOfCashFlowsAbstract"> CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfCashFlowsAbstract" xlink:to="label_us-gaap_StatementOfCashFlowsAbstract" xlink:title="Label : us-gaap_StatementOfCashFlowsAbstract to label_us-gaap_StatementOfCashFlowsAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:title="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xml:lang="en-US" id="label_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"> CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME OR LOSS [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="label_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:title="Label : us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract to label_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="us-gaap_StatementEquityComponentsAxis" xlink:title="us-gaap_StatementEquityComponentsAxis"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatementEquityComponentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StatementEquityComponentsAxis" xml:lang="en-US" id="label_us-gaap_StatementEquityComponentsAxis"> Equity Components [Axis] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementEquityComponentsAxis" xlink:to="label_us-gaap_StatementEquityComponentsAxis" xlink:title="Label : us-gaap_StatementEquityComponentsAxis to label_us-gaap_StatementEquityComponentsAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementTable" xlink:label="us-gaap_StatementTable" xlink:title="us-gaap_StatementTable"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatementTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StatementTable" xml:lang="en-US" id="label_us-gaap_StatementTable"> Statement [Table] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementTable" xlink:to="label_us-gaap_StatementTable" xlink:title="Label : us-gaap_StatementTable to label_us-gaap_StatementTable"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementScenarioAxis" xlink:label="us-gaap_StatementScenarioAxis" xlink:title="us-gaap_StatementScenarioAxis"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementScenarioAxis" xlink:to="label_us-gaap_StatementScenarioAxis" xlink:title="Label : us-gaap_StatementScenarioAxis to label_us-gaap_StatementScenarioAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="us-gaap_StatementOfFinancialPositionAbstract" xlink:title="us-gaap_StatementOfFinancialPositionAbstract"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StatementOfFinancialPositionAbstract" xml:lang="en-US" id="label_us-gaap_StatementOfFinancialPositionAbstract"> CONSOLIDATED BALANCE SHEETS [Abstract] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfFinancialPositionAbstract" xlink:to="label_us-gaap_StatementOfFinancialPositionAbstract" xlink:title="Label : us-gaap_StatementOfFinancialPositionAbstract to label_us-gaap_StatementOfFinancialPositionAbstract"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends" xlink:label="us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends" xlink:title="us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends" xml:lang="en-US" id="label_us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends"> Statutory Accounting Practices, Retained Earnings Not Available for Dividends </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends" xlink:to="label_us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends" xlink:title="Label : us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends to label_us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends_1" xml:lang="en-US" id="label_us-gaap_StatutoryAccountingPracticesRetainedEarningsNotAvailableForDividends_1"> Amount of net assets of the relevant entity in the Group not available for distribution </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xlink:label="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xlink:title="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xml:lang="en-US" id="label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance"> Statutory Accounting Practices, Statutory Capital and Surplus, Balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xlink:to="label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xlink:title="Label : us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance to label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_1" xml:lang="en-US" id="label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_1"> Statutory reserve fund </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance" xlink:to="label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_1" xlink:title="Label : us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance to label_us-gaap_StatutoryAccountingPracticesStatutoryCapitalAndSurplusBalance_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockSplits" xlink:label="us-gaap_StockIssuedDuringPeriodSharesStockSplits" xlink:title="us-gaap_StockIssuedDuringPeriodSharesStockSplits"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockIssuedDuringPeriodSharesStockSplits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StockIssuedDuringPeriodSharesStockSplits" xml:lang="en-US" id="label_us-gaap_StockIssuedDuringPeriodSharesStockSplits"> Stock Issued During Period, Shares, Stock Splits </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesStockSplits" xlink:to="label_us-gaap_StockIssuedDuringPeriodSharesStockSplits" xlink:title="Label : us-gaap_StockIssuedDuringPeriodSharesStockSplits to label_us-gaap_StockIssuedDuringPeriodSharesStockSplits"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockIssuedDuringPeriodSharesStockSplits_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_StockIssuedDuringPeriodSharesStockSplits_1" xml:lang="en-US" id="label_us-gaap_StockIssuedDuringPeriodSharesStockSplits_1"> Shares issued for stock split transactioin </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesStockSplits" xlink:to="label_us-gaap_StockIssuedDuringPeriodSharesStockSplits_1" xlink:title="Label : us-gaap_StockIssuedDuringPeriodSharesStockSplits to label_us-gaap_StockIssuedDuringPeriodSharesStockSplits_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:title="us-gaap_StockIssuedDuringPeriodValueNewIssues"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StockIssuedDuringPeriodValueNewIssues" xml:lang="en-US" id="label_us-gaap_StockIssuedDuringPeriodValueNewIssues"> Stock Issued During Period, Value, New Issues </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:to="label_us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:title="Label : us-gaap_StockIssuedDuringPeriodValueNewIssues to label_us-gaap_StockIssuedDuringPeriodValueNewIssues"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockIssuedDuringPeriodValueNewIssues_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_StockIssuedDuringPeriodValueNewIssues_1" xml:lang="en-US" id="label_us-gaap_StockIssuedDuringPeriodValueNewIssues_1"> Value of shares issued </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:to="label_us-gaap_StockIssuedDuringPeriodValueNewIssues_1" xlink:title="Label : us-gaap_StockIssuedDuringPeriodValueNewIssues to label_us-gaap_StockIssuedDuringPeriodValueNewIssues_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockIssuedDuringPeriodValueNewIssues_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_StockIssuedDuringPeriodValueNewIssues_2" xml:lang="en-US" id="label_us-gaap_StockIssuedDuringPeriodValueNewIssues_2"> Issuance of ordinary shares upon initial public offering ("IPO"), net of offering costs of $4,900 </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueNewIssues" xlink:to="label_us-gaap_StockIssuedDuringPeriodValueNewIssues_2" xlink:title="Label : us-gaap_StockIssuedDuringPeriodValueNewIssues to label_us-gaap_StockIssuedDuringPeriodValueNewIssues_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:title="us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xml:lang="en-US" id="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues"> Stock Issued During Period, Shares, New Issues </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:title="Label : us-gaap_StockIssuedDuringPeriodSharesNewIssues to label_us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues_1" xml:lang="en-US" id="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues_1"> Shares issued </link:label>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues_2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues_2" xml:lang="en-US" id="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues_2"> Issuance of ordinary shares upon initial public offering ("IPO"), net of offering costs of $4,900, shares </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract" xlink:title="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_1" xml:lang="en-US" id="label_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAbstract_1"> Equity: </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity" xlink:title="us-gaap_StockholdersEquity"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_StockholdersEquity" xml:lang="en-US" id="label_us-gaap_StockholdersEquity"> Stockholders' Equity Attributable to Parent </link:label>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_StockholdersEquity_1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="label_us-gaap_StockholdersEquity_1" xml:lang="en-US" id="label_us-gaap_StockholdersEquity_1"> Ending balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="label_us-gaap_StockholdersEquity_1" xlink:title="Label : us-gaap_StockholdersEquity to label_us-gaap_StockholdersEquity_1"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockholdersEquity_2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="label_us-gaap_StockholdersEquity_2" xml:lang="en-US" id="label_us-gaap_StockholdersEquity_2"> Beginning balance </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="label_us-gaap_StockholdersEquity_2" xlink:title="Label : us-gaap_StockholdersEquity to label_us-gaap_StockholdersEquity_2"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_StockholdersEquity_3" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="label_us-gaap_StockholdersEquity_3" xml:lang="en-US" id="label_us-gaap_StockholdersEquity_3"> Total equity </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SubsequentEventTypeAxis" xlink:label="us-gaap_SubsequentEventTypeAxis" xlink:title="us-gaap_SubsequentEventTypeAxis"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubsequentEventTypeAxis" xlink:to="label_us-gaap_SubsequentEventTypeAxis" xlink:title="Label : us-gaap_SubsequentEventTypeAxis to label_us-gaap_SubsequentEventTypeAxis"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SubsequentEventLineItems" xlink:label="us-gaap_SubsequentEventLineItems" xlink:title="us-gaap_SubsequentEventLineItems"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubsequentEventLineItems" xlink:to="label_us-gaap_SubsequentEventLineItems" xlink:title="Label : us-gaap_SubsequentEventLineItems to label_us-gaap_SubsequentEventLineItems"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SubsequentEventMember" xlink:label="us-gaap_SubsequentEventMember" xlink:title="us-gaap_SubsequentEventMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_SubsequentEventMember" xml:lang="en-US" id="label_us-gaap_SubsequentEventMember"> Subsequent Event [Member] </link:label>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SubsequentEventsTextBlock" xlink:label="us-gaap_SubsequentEventsTextBlock" xlink:title="us-gaap_SubsequentEventsTextBlock"/>

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<link:label xlink:type="resource" xlink:label="label_us-gaap_SubsequentEventsTextBlock_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_SubsequentEventsTextBlock_1" xml:lang="en-US" id="label_us-gaap_SubsequentEventsTextBlock_1"> SUBSEQUENT EVENTS </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubsequentEventsTextBlock" xlink:to="label_us-gaap_SubsequentEventsTextBlock_1" xlink:title="Label : us-gaap_SubsequentEventsTextBlock to label_us-gaap_SubsequentEventsTextBlock_1"/>

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<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SubsequentEventTable" xlink:label="us-gaap_SubsequentEventTable" xlink:title="us-gaap_SubsequentEventTable"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TaxesPayableCurrentAndNoncurrent" xlink:to="label_us-gaap_TaxesPayableCurrentAndNoncurrent_1" xlink:title="Label : us-gaap_TaxesPayableCurrentAndNoncurrent to label_us-gaap_TaxesPayableCurrentAndNoncurrent_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TechnologyBasedIntangibleAssetsMember" xlink:label="us-gaap_TechnologyBasedIntangibleAssetsMember" xlink:title="us-gaap_TechnologyBasedIntangibleAssetsMember"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UseOfEstimates" xlink:to="label_us-gaap_UseOfEstimates" xlink:title="Label : us-gaap_UseOfEstimates to label_us-gaap_UseOfEstimates"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_UseOfEstimates_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_UseOfEstimates_1" xml:lang="en-US" id="label_us-gaap_UseOfEstimates_1"> Use of estimates </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UseOfEstimates" xlink:to="label_us-gaap_UseOfEstimates_1" xlink:title="Label : us-gaap_UseOfEstimates to label_us-gaap_UseOfEstimates_1"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:label="us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:title="us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xml:lang="en-US" id="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"> Variable Interest Entity, Primary Beneficiary [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:to="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:title="Label : us-gaap_VariableInterestEntityPrimaryBeneficiaryMember to label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember"/>

<link:label xlink:type="resource" xlink:label="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1" xml:lang="en-US" id="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1"> VIE [Member] </link:label>

<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:to="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1" xlink:title="Label : us-gaap_VariableInterestEntityPrimaryBeneficiaryMember to label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_1"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:to="label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_2" xlink:title="Label : us-gaap_VariableInterestEntityPrimaryBeneficiaryMember to label_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_2"/>

<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:label="us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:title="us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:to="label_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis" xlink:title="Label : us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis to label_us-gaap_VariableInterestEntitiesByClassificationOfEntityAxis"/>

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<link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableInterestEntityOwnershipPercentage" xlink:to="label_us-gaap_VariableInterestEntityOwnershipPercentage_1" xlink:title="Label : us-gaap_VariableInterestEntityOwnershipPercentage to label_us-gaap_VariableInterestEntityOwnershipPercentage_1"/>

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Filing Submission 0001144204-16-096479 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)

Yiren Digital Ltd. – ‘20-F’ for 12/31/15 – ‘EX-101.LAB’

On: Wednesday, 4/27/16, at 9:09am ET · For: 12/31/15 · Accession #: 1144204-16-96479 · File #: 1-37657

Previous ‘20-F’: None · Next: ‘20-F’ on 4/24/17 for 12/31/16 · Latest: ‘20-F’ on 4/28/23 for 12/31/22

Annual Report by a Foreign Non-Canadian Issuer — Form 20-F — Sect. 13 / 15(d) – SEA’34Filing Table of Contents

‘EX-101.LAB’ — XBRL Labels — yrd-20151231_lab

This Exhibit is an XBRL XML File.

Annual Report by a Foreign Non-Canadian Issuer — Form 20-F — Sect. 13 / 15(d) – SEA’34
Filing Table of Contents