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

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

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  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.CAL’   —   XBRL Calculations — yrd-20151231_cal


This Exhibit is an XBRL XML File.


                                                                                                                                                                                
<?xml version="1.0" standalone="yes" encoding="windows-1252"?>
<!-- Created by The Vintage Group, Powered by IRIS Carbon -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xl="http://www.xbrl.org/2003/XLink" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsd="http://www.w3.org/2001/XMLSchema" 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.yirendai.com/role/yrd-cbs" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-cbs"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-csoo" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-csoo"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-csocl" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-csocl"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-csocf" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-csocf"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-peaoad" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-peaoad"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-ppesd" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-ppesd"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-aeaold" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-aeaold"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-itrotsitrtited" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-itrotsitrtited"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-itsoited" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-itsoited"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-itsodtad" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-itsodtad"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-sched1cbsd" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-sched1cbsd"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-s1csood" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-s1csood"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-sched1csocld" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-sched1csocld"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-sched1csocfd" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-sched1csocfd"/>
<link:roleRef roleURI="http://www.yirendai.com/role/yrd-fvfvhd" xlink:type="simple" xlink:href="yrd-20151231.xsd#yrd-fvfvhd"/>
<link:calculationLink xlink:type="extended" xlink:role="http://www.yirendai.com/role/yrd-cbs">
<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: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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:title="Calculation : us-gaap_Assets to us-gaap_CashAndCashEquivalentsAtCarryingValue" order="1" weight="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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_AccountsReceivableNet" xlink:title="Calculation : us-gaap_Assets to us-gaap_AccountsReceivableNet" order="2" weight="1"/>
<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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_PrepaidExpenseAndOtherAssets" xlink:title="Calculation : us-gaap_Assets to us-gaap_PrepaidExpenseAndOtherAssets" order="3" weight="1"/>
<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DueFromRelatedParties" xlink:label="us-gaap_DueFromRelatedParties" xlink:title="us-gaap_DueFromRelatedParties"/>
<link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_DueFromRelatedParties" xlink:title="Calculation : us-gaap_Assets to us-gaap_DueFromRelatedParties" order="4" weight="1"/>
<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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_PropertyPlantAndEquipmentNet" xlink:title="Calculation : us-gaap_Assets to us-gaap_PropertyPlantAndEquipmentNet" order="5" weight="1"/>
<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredIncomeTaxAssetsNet" xlink:label="us-gaap_DeferredIncomeTaxAssetsNet" xlink:title="us-gaap_DeferredIncomeTaxAssetsNet"/>
<link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_DeferredIncomeTaxAssetsNet" xlink:title="Calculation : us-gaap_Assets to us-gaap_DeferredIncomeTaxAssetsNet" order="6" weight="1"/>
<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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_FiniteLivedIntangibleAssetsNet" xlink:title="Calculation : us-gaap_Assets to us-gaap_FiniteLivedIntangibleAssetsNet" order="7" weight="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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_AvailableForSaleSecurities" xlink:title="Calculation : us-gaap_Assets to us-gaap_AvailableForSaleSecurities" order="8" weight="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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:title="Calculation : us-gaap_Assets to us-gaap_LoansAndLeasesReceivableNetReportedAmount" order="9" weight="1"/>
<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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Assets" xlink:to="us-gaap_RestrictedCashAndCashEquivalents" xlink:title="Calculation : us-gaap_Assets to us-gaap_RestrictedCashAndCashEquivalents" order="10" weight="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: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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_Liabilities" xlink:title="Calculation : us-gaap_LiabilitiesAndStockholdersEquity to us-gaap_Liabilities" order="1" weight="1"/>
<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DueToRelatedPartiesCurrentAndNoncurrent" xlink:label="us-gaap_DueToRelatedPartiesCurrentAndNoncurrent" xlink:title="us-gaap_DueToRelatedPartiesCurrentAndNoncurrent"/>
<link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_DueToRelatedPartiesCurrentAndNoncurrent" xlink:title="Calculation : us-gaap_Liabilities to us-gaap_DueToRelatedPartiesCurrentAndNoncurrent" order="1" weight="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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" xlink:title="Calculation : us-gaap_Liabilities to us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrent" order="2" weight="1"/>
<link:loc xlink:type="locator" xlink:href="yrd-20151231.xsd#yrd_FundPayable" xlink:label="yrd_FundPayable" xlink:title="yrd_FundPayable"/>
<link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="yrd_FundPayable" xlink:title="Calculation : us-gaap_Liabilities to yrd_FundPayable" order="3" weight="1"/>
<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredRevenueAndCredits" xlink:label="us-gaap_DeferredRevenueAndCredits" xlink:title="us-gaap_DeferredRevenueAndCredits"/>
<link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_DeferredRevenueAndCredits" xlink:title="Calculation : us-gaap_Liabilities to us-gaap_DeferredRevenueAndCredits" order="4" weight="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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_GuaranteeObligationsCurrentCarryingValue" xlink:title="Calculation : us-gaap_Liabilities to us-gaap_GuaranteeObligationsCurrentCarryingValue" order="5" weight="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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:title="Calculation : us-gaap_Liabilities to us-gaap_AccountsPayableCurrentAndNoncurrent" order="6" weight="1"/>
<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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_CommitmentsAndContingencies" xlink:title="Calculation : us-gaap_LiabilitiesAndStockholdersEquity to us-gaap_CommitmentsAndContingencies" order="2" weight="1"/>
<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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_StockholdersEquity" xlink:title="Calculation : us-gaap_LiabilitiesAndStockholdersEquity to us-gaap_StockholdersEquity" order="3" weight="1"/>
<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"/>
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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_ProceedsFromIssuanceInitialPublicOffering" xlink:label="us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:title="us-gaap_ProceedsFromIssuanceInitialPublicOffering"/>
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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_ProceedsFromIssuanceOfPrivatePlacement" xlink:label="us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:title="us-gaap_ProceedsFromIssuanceOfPrivatePlacement"/>
<link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:title="Calculation : us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations to us-gaap_ProceedsFromIssuanceOfPrivatePlacement" order="3" weight="1"/>
<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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" xlink:title="Calculation : us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease to us-gaap_EffectOfExchangeRateOnCashAndCashEquivalentsContinuingOperations" order="4" weight="1"/>
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<link:calculationLink xlink:type="extended" xlink:role="http://www.yirendai.com/role/yrd-fvfvhd">
<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: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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:title="Calculation : us-gaap_AssetsFairValueDisclosure to us-gaap_CashAndCashEquivalentsFairValueDisclosure" order="1" weight="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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:title="Calculation : us-gaap_AssetsFairValueDisclosure to us-gaap_LoansHeldForSaleFairValueDisclosure" order="2" weight="1"/>
<link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InvestmentsFairValueDisclosure" xlink:label="us-gaap_InvestmentsFairValueDisclosure" xlink:title="us-gaap_InvestmentsFairValueDisclosure"/>
<link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_AssetsFairValueDisclosure" xlink:to="us-gaap_InvestmentsFairValueDisclosure" xlink:title="Calculation : us-gaap_AssetsFairValueDisclosure to us-gaap_InvestmentsFairValueDisclosure" order="3" weight="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: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"/>
<link:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesFairValueDisclosure" xlink:to="us-gaap_GuaranteesFairValueDisclosure" xlink:title="Calculation : us-gaap_LiabilitiesFairValueDisclosure to us-gaap_GuaranteesFairValueDisclosure" order="1" weight="1"/>
<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:calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="us-gaap_LiabilitiesFairValueDisclosure" xlink:to="us-gaap_AccountsPayableFairValueDisclosure" xlink:title="Calculation : us-gaap_LiabilitiesFairValueDisclosure to us-gaap_AccountsPayableFairValueDisclosure" order="2" weight="1"/>
</link:calculationLink>
</link:linkbase>

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