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Table of Contents ( Mark One ) 0 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 FORM 20 - F REGISTRATION STATEMENT PURSUANT TO SECTION 12 ( b ) OR 12 ( g ) OF THE SECURITIES EXCHANGE ACT OF 1934 OR X ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 . 0 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to OR 0 SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of event requiring this shell company report . Commission file number : 001-37657 Yiren Digital Ltd. ( Exact name of Registrant as specified in its charter ) N / A ( Translation of Registrant's name into English ) Cayman Islands ( Jurisdiction of incorporation or organization ) 10 / F , Building 9 , 91 Jianguo Road Chaoyang District , Beijing 100022 The People's Republic of China ( Address of principal executive offices ) Na Mei , Chief Financial Officer Telephone : +86 10 5395-3680 Email : ir@yirendai.com 10 / F , Building 9 , 91 Jianguo Road Chaoyang District , Beijing 100022 The People's Republic of China ( Name , Telephone , E - mail and / or Facsimile number and Address of Company Contact Person ) Securities registered or to be registered pursuant to Section 12 ( b ) of the Act : Title of each class American depositary shares ( one American depositary share representing two ordinary shares , par value US $ 0.0001 per share ) Ordinary shares , par value US $ 0.0001 per share * Trading Symbol YRD Name of each exchange on which registered New York Stock Exchange New York Stock Exchange * Not for trading , but only in connection with the listing on the New York Stock Exchange of American depositary shares .