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<!-- Created: Tue Apr 28 15:27:34 UTC 2026 -->
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  <xs:element name="ProceedsAsGuaranteeDepositsFromCertainShareholdersInBusinessCombinations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ProceedsAsGuaranteeDepositsFromCertainShareholdersInBusinessCombinations"/>
  <xs:element name="PaymentAsGuaranteeDepositsToCertainShareholdersInBusinessCombinationsinDollars" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_PaymentAsGuaranteeDepositsToCertainShareholdersInBusinessCombinationsinDollars"/>
  <xs:element name="CashAcquiredOnNoncashAcquisitions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_CashAcquiredOnNoncashAcquisitions"/>
  <xs:element name="DividendDistributedToNoncontrollingInterest" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DividendDistributedToNoncontrollingInterest"/>
  <xs:element name="CapitalContributionFromNoncontrollingInterestsinDollars" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_CapitalContributionFromNoncontrollingInterestsinDollars"/>
  <xs:element name="RepurchaseOfOrdinarySharesFromOpenMarket" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_RepurchaseOfOrdinarySharesFromOpenMarket"/>
  <xs:element name="RightofuseAssetsObtainedInExchangeForLeaseLiabilities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_RightofuseAssetsObtainedInExchangeForLeaseLiabilities"/>
  <xs:element name="AcquisitionOfSubsidiariesThroughIssuingOrdinaryShares" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AcquisitionOfSubsidiariesThroughIssuingOrdinaryShares"/>
  <xs:element name="SharesInAffiliatesObtainedInExchangeForDisposalOfSubsidiaries" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_SharesInAffiliatesObtainedInExchangeForDisposalOfSubsidiaries"/>
  <xs:element name="DistributionOfProfitsDisclosureTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DistributionOfProfitsDisclosureTextBlock"/>
  <xs:element name="ShortTermInvestmentsPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShortTermInvestmentsPolicyTextBlock"/>
  <xs:element name="LongtermEquityInvestmentsPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_LongtermEquityInvestmentsPolicyTextBlock"/>
  <xs:element name="InsurancePremiumPayablesPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_InsurancePremiumPayablesPolicyTextBlock"/>
  <xs:element name="TreasurySharesPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_TreasurySharesPolicyTextBlock"/>
  <xs:element name="ForeignCurrencyRiskPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ForeignCurrencyRiskPolicyTextBlock"/>
  <xs:element name="TranslationIntoUnitedStatesDollarsPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_TranslationIntoUnitedStatesDollarsPolicyTextBlock"/>
  <xs:element name="RecentlyAdoptedAccountingPronouncementsPolicyTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_RecentlyAdoptedAccountingPronouncementsPolicyTextBlock"/>
  <xs:element name="ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ScheduleOfEstimatedUsefulLivesOfPropertyPlantAndEquipmentTableTextBlock"/>
  <xs:element name="ScheduleOfDepreciationMethodsAndEstimatedUsefulLivesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ScheduleOfDepreciationMethodsAndEstimatedUsefulLivesTableTextBlock"/>
  <xs:element name="ScheduleOfAssetsAndLiabilitiesFromTheDiscontinuedOperationsInTheConsolidatedBalanceSheetsTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ScheduleOfAssetsAndLiabilitiesFromTheDiscontinuedOperationsInTheConsolidatedBalanceSheetsTableTextBlock"/>
  <xs:element name="DisposalGroupsIncludingBalanceSheetTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupsIncludingBalanceSheetTableTextBlock"/>
  <xs:element name="ScheduleOfAssetsAndLiabilitiesForDiscontinuedOperationsOfTheDisposalGroupComprisedTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ScheduleOfAssetsAndLiabilitiesForDiscontinuedOperationsOfTheDisposalGroupComprisedTableTextBlock"/>
  <xs:element name="ScheduleOfCondensedCashFlowsOfDisposalGroupTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ScheduleOfCondensedCashFlowsOfDisposalGroupTableTextBlock"/>
  <xs:element name="LeasesTablesTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_LeasesTablesTable"/>
  <xs:element name="LeasesTablesLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_LeasesTablesLineItems"/>
  <xs:element name="ScheduleOfRelatedPartyBalancesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ScheduleOfRelatedPartyBalancesTableTextBlock"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesScheduleofEstimatedUsefulLivesTakingintoAccountResidualValueDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_SummaryofSignificantAccountingPoliciesScheduleofEstimatedUsefulLivesTakingintoAccountResidualValueDetailsTable"/>
  <xs:element name="IncomeLocationDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_IncomeLocationDomainDomain"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesScheduleofDepreciationExpenseRecognizedintheConsolidatedStatementsofIncomeandComprehensiveIncomeLossDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_SummaryofSignificantAccountingPoliciesScheduleofDepreciationExpenseRecognizedintheConsolidatedStatementsofIncomeandComprehensiveIncomeLossDetailsTable"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesScheduleofEstimatedUsefulLivesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_SummaryofSignificantAccountingPoliciesScheduleofEstimatedUsefulLivesDetailsTable"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesScheduleofFairValueMeasurementsoftheGroupsAssetsandLiabilitiesthatareMeasuredatFairValueonaRecurringBasisinPeriodsSubsequenttotheirInitialRecogniDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_SummaryofSignificantAccountingPoliciesScheduleofFairValueMeasurementsoftheGroupsAssetsandLiabilitiesthatareMeasuredatFairValueonaRecurringBasisinPeriodsSubsequenttotheirInitialRecogniDetailsTable"/>
  <xs:element name="AcquisitionsandDisposalsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_AcquisitionsandDisposalsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetailsTable"/>
  <xs:element name="AcquisitionsandDisposalsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_AcquisitionsandDisposalsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetailsLineItems"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsReceivableAndContractAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsReceivableAndContractAssets"/>
  <xs:element name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsPayableAndAccruedCommissions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccountsPayableAndAccruedCommissions"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationRightOfUseAssetNoncurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationRightOfUseAssetNoncurrent"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilities"/>
  <xs:element name="LiabilitiesOfDisposalGroupIncludingDiscontinuedOperationTotalNetAssetsOfTheDisposalGroup" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_LiabilitiesOfDisposalGroupIncludingDiscontinuedOperationTotalNetAssetsOfTheDisposalGroup"/>
  <xs:element name="NoncontrollingInterestOfDisposalGroup" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_NoncontrollingInterestOfDisposalGroup"/>
  <xs:element name="NetAssetsOfTheDisposalGroupContributableToTheGroup" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_NetAssetsOfTheDisposalGroupContributableToTheGroup"/>
  <xs:element name="DiscontinuedOperationsScheduleofAssetsandLiabilitiesforDiscontinuedOperationsoftheDisposalGroupComprisedDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_DiscontinuedOperationsScheduleofAssetsandLiabilitiesforDiscontinuedOperationsoftheDisposalGroupComprisedDetailsTable"/>
  <xs:element name="DiscontinuedOperationsScheduleofAssetsandLiabilitiesforDiscontinuedOperationsoftheDisposalGroupComprisedDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DiscontinuedOperationsScheduleofAssetsandLiabilitiesforDiscontinuedOperationsoftheDisposalGroupComprisedDetailsLineItems"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationOtherReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationOtherReceivables"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationRestrictedBankDepositNoncurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationRestrictedBankDepositNoncurrent"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationRightOfUseAsset" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationRightOfUseAsset"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilitiesCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilitiesCurrent"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilitiesTotalLiabilitiesNoncurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilitiesTotalLiabilitiesNoncurrent"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationTotalNetAssetsOfTheDisposalGroup" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationTotalNetAssetsOfTheDisposalGroup"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationSellingExpenses" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationSellingExpenses"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationtmentIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationtmentIncome"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationOtherIncomeExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationOtherIncomeExpense"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationLossOnDisposalOfPropertyAndEquipment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationLossOnDisposalOfPropertyAndEquipment"/>
  <xs:element name="DisposalGroupIncludingDiscontinuedOperationProceedsFromDisposalOfPropertyAndEquipment" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupIncludingDiscontinuedOperationProceedsFromDisposalOfPropertyAndEquipment"/>
  <xs:element name="AdvancesToStaff" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AdvancesToStaff"/>
  <xs:element name="AmountDueFromThirdParties" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AmountDueFromThirdParties"/>
  <xs:element name="ConsiderationReceivableFromDisposalOfLongtermInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ConsiderationReceivableFromDisposalOfLongtermInvestments"/>
  <xs:element name="ReceivablesConsiderationFromShareIssuance" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ReceivablesConsiderationFromShareIssuance"/>
  <xs:element name="OthersReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_OthersReceivables"/>
  <xs:element name="PrepaidOperatingCostsAndMiscellaneousDailyExpensesCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_PrepaidOperatingCostsAndMiscellaneousDailyExpensesCurrent"/>
  <xs:element name="EquityInvestmentsWithReadilyDeterminableFairValueCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_EquityInvestmentsWithReadilyDeterminableFairValueCurrent"/>
  <xs:element name="OtherAssetCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_OtherAssetCurrent"/>
  <xs:element name="GoodwilofAdditions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_GoodwilofAdditions"/>
  <xs:element name="GoodwillofDisposal" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_GoodwillofDisposal"/>
  <xs:element name="FiniteLivedIntangibleAssetsSubTotalGross" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_FiniteLivedIntangibleAssetsSubTotalGross"/>
  <xs:element name="FiniteLivedIntangibleAssetsDisposalGroup" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_FiniteLivedIntangibleAssetsDisposalGroup"/>
  <xs:element name="LessImpairmentLoss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_LessImpairmentLoss"/>
  <xs:element name="AmountDueFromAThirdParty" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AmountDueFromAThirdParty"/>
  <xs:element name="ContingentConsiderationsNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ContingentConsiderationsNet"/>
  <xs:element name="ReceivablesFromCertainShareholdersAsGuaranteeDepositDueToBusinessCombinations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ReceivablesFromCertainShareholdersAsGuaranteeDepositDueToBusinessCombinations"/>
  <xs:element name="OthersAssetsNoncurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_OthersAssetsNoncurrent"/>
  <xs:element name="ImpairmentLossOnOtherNonCurrentAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ImpairmentLossOnOtherNonCurrentAssets"/>
  <xs:element name="AccountsReceivableAllowanceForCreditLossInculdingOtherCurrentAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AccountsReceivableAllowanceForCreditLossInculdingOtherCurrentAssets"/>
  <xs:element name="AccountsReceivableCreditLossCurrentPeriodAllowanceForExpectedCreditLossesInculdingOtherCurrentAssets" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AccountsReceivableCreditLossCurrentPeriodAllowanceForExpectedCreditLossesInculdingOtherCurrentAssets"/>
  <xs:element name="AccrualForTaxesOtherThanIncomeTaxCurrent" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AccrualForTaxesOtherThanIncomeTaxCurrent"/>
  <xs:element name="RefundableDepositsFromEmployeesAndAgents" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_RefundableDepositsFromEmployeesAndAgents"/>
  <xs:element name="AccruedExpensesToThirdParties" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AccruedExpensesToThirdParties"/>
  <xs:element name="ContributionsFromMembersOfEHuzhuMutualAidProgram" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ContributionsFromMembersOfEHuzhuMutualAidProgram"/>
  <xs:element name="AccruedCompensationToStaffLayoff" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_AccruedCompensationToStaffLayoff"/>
  <xs:element name="PayableToThirdParties" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_PayableToThirdParties"/>
  <xs:element name="UnrecognizedChangeInUnrecognizedTaxBenefits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_UnrecognizedChangeInUnrecognizedTaxBenefits"/>
  <xs:element name="DeferredTaxLiabilitiesFairValueAdjustmentsInRelationToShorttermInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DeferredTaxLiabilitiesFairValueAdjustmentsInRelationToShorttermInvestments"/>
  <xs:element name="DeferredTaxLiabilitiesEstimatedProfitArisingFromFutureRenewalCommissions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DeferredTaxLiabilitiesEstimatedProfitArisingFromFutureRenewalCommissions"/>
  <xs:element name="ProvisionForExpectedCreditLossesOnOtherReceivables" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ProvisionForExpectedCreditLossesOnOtherReceivables"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationNondeductibleExpenseProvisionForExpectedCreditLossesOnFinancialAssets" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_EffectiveIncomeTaxRateReconciliationNondeductibleExpenseProvisionForExpectedCreditLossesOnFinancialAssets"/>
  <xs:element name="IncomeTaxReconciliationNondeductibleExpenseConcessionaryRatesToSubsidiaries" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_IncomeTaxReconciliationNondeductibleExpenseConcessionaryRatesToSubsidiaries"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationEffectOfTaxHolidaysOnConcessionaryRatesGrantedToPRCEntities" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_EffectiveIncomeTaxRateReconciliationEffectOfTaxHolidaysOnConcessionaryRatesGrantedToPRCEntities"/>
  <xs:element name="IncomeTaxReconciliationNondeductibleExpenseConcessionaryRatesToJurisdictions" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_IncomeTaxReconciliationNondeductibleExpenseConcessionaryRatesToJurisdictions"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationEffectOfDifferentTaxRatesOfSubsidiariesOperatingInOtherJurisdictions" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_EffectiveIncomeTaxRateReconciliationEffectOfDifferentTaxRatesOfSubsidiariesOperatingInOtherJurisdictions"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationDeferredIncomeTaxForDividendDistribution" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_EffectiveIncomeTaxRateReconciliationDeferredIncomeTaxForDividendDistribution"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationUtilizedOfDeferredIncomeTaxForDividendDistribution" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_EffectiveIncomeTaxRateReconciliationUtilizedOfDeferredIncomeTaxForDividendDistribution"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsArisingFromCertainTransferPricingArrangements" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_EffectiveIncomeTaxRateReconciliationUnrecognizedTaxBenefitsArisingFromCertainTransferPricingArrangements"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationTaxUnrecognizedTaxBenefitsArisingFromCertainTransferPricingArrangements" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_EffectiveIncomeTaxRateReconciliationTaxUnrecognizedTaxBenefitsArisingFromCertainTransferPricingArrangements"/>
  <xs:element name="IncomeTaxReconciliationDeferredIncomeTaxReverse" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_IncomeTaxReconciliationDeferredIncomeTaxReverse"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationDeferredIncomeTaxReverse" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_EffectiveIncomeTaxRateReconciliationDeferredIncomeTaxReverse"/>
  <xs:element name="NetIncomeLossPerShareScheduleofBasicandDilutedNetIncomeLossPerOrdinaryShareDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_NetIncomeLossPerShareScheduleofBasicandDilutedNetIncomeLossPerOrdinaryShareDetailsTable"/>
  <xs:element name="NetIncomelossAttributableToTheNoncontrollingInterestsBasic" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_NetIncomelossAttributableToTheNoncontrollingInterestsBasic"/>
  <xs:element name="NetGainFromDiscontinuedOperationsBasic" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_NetGainFromDiscontinuedOperationsBasic"/>
  <xs:element name="NetIncomeAttributableToTheNoncontrollingInterestsBasic" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_NetIncomeAttributableToTheNoncontrollingInterestsBasic"/>
  <xs:element name="NetIncomelossAttributableToTheNoncontrollingInterestsDiluted" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_NetIncomelossAttributableToTheNoncontrollingInterestsDiluted"/>
  <xs:element name="NetGainlossFromDiscontinuedOperations" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_NetGainlossFromDiscontinuedOperations"/>
  <xs:element name="NetIncomeAttributableToTheNoncontrollingInterestsDiluted" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_NetIncomeAttributableToTheNoncontrollingInterestsDiluted"/>
  <xs:element name="RelatedPartyBalancesandTransactionsScheduleofRelatedPartyBalancesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_RelatedPartyBalancesandTransactionsScheduleofRelatedPartyBalancesDetailsTable"/>
  <xs:element name="CommitmentsandContingenciesScheduleofFutureMinimumLeasePaymentsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_CommitmentsandContingenciesScheduleofFutureMinimumLeasePaymentsDetailsTable"/>
  <xs:element name="ShareBasedCompensationScheduleofShareOptionsOutstandingDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_ShareBasedCompensationScheduleofShareOptionsOutstandingDetailsTable"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodAggregateIntrinsicValueForfeited" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodAggregateIntrinsicValueForfeited"/>
  <xs:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="aifu_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm"/>
  <xs:element name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsGrantedWeightedAverageRemainingContractualTerm1" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsGrantedWeightedAverageRemainingContractualTerm1"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedInPeriodTotalIntrinsicValue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedInPeriodTotalIntrinsicValue"/>
  <xs:element name="ShareBasedCompensationScheduleofActivityofServiceBasedRSUsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_ShareBasedCompensationScheduleofActivityofServiceBasedRSUsDetailsTable"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionWeightedAverageGrantdateFairValueUnvested" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionWeightedAverageGrantdateFairValueUnvested"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantdateFairValueGranted" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantdateFairValueGranted"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionWeightedAverageGrantdateFairValueVested" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionWeightedAverageGrantdateFairValueVested"/>
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantdateFairValueForfeited" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsWeightedAverageGrantdateFairValueForfeited"/>
  <xs:element name="ShareBasedCompensationScheduleofAssumptionsusedinDeterminingFairValueofMDRTOptionsonGrantDateDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_ShareBasedCompensationScheduleofAssumptionsusedinDeterminingFairValueofMDRTOptionsonGrantDateDetailsTable"/>
  <xs:element name="InvestmentIncome" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_InvestmentIncome"/>
  <xs:element name="OtherReceivablesAndAmountsDueFromSubsidiariesAndAffiliates" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_OtherReceivablesAndAmountsDueFromSubsidiariesAndAffiliates"/>
  <xs:element name="OtherReceivable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_OtherReceivable"/>
  <xs:element name="InvestmentInAnAffiliate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_InvestmentInAnAffiliate"/>
  <xs:element name="ChangesInInvestmentInSubsidiariesAndAnAffiliate" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ChangesInInvestmentInSubsidiariesAndAnAffiliate"/>
  <xs:element name="ProceedsFromDisposalOfSubsidiariesinDollars" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ProceedsFromDisposalOfSubsidiariesinDollars"/>
  <xs:element name="OrganizationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_OrganizationDetailsTable"/>
  <xs:element name="NumberOfPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_NumberOfPercentage"/>
  <xs:element name="EquityInterestsPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_EquityInterestsPercentage"/>
  <xs:element name="DilutedOfPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DilutedOfPercentage"/>
  <xs:element name="VotingPowerOfPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_VotingPowerOfPercentage"/>
  <xs:element name="SummaryofSignificantAccountingPoliciesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_SummaryofSignificantAccountingPoliciesDetailsTable"/>
  <xs:element name="GuaranteeAndEntrustmentDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_GuaranteeAndEntrustmentDeposits"/>
  <xs:element name="CreditLossRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_CreditLossRate"/>
  <xs:element name="NonCurrentAssetsshares" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_NonCurrentAssetsshares"/>
  <xs:element name="RecognizedContingentPerformanceBonus" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_RecognizedContingentPerformanceBonus"/>
  <xs:element name="AcquisitionsandDisposalsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_AcquisitionsandDisposalsDetailsTable"/>
  <xs:element name="DisposalGroupNotDiscontinuedOperationsGainLossOnDisposal" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_DisposalGroupNotDiscontinuedOperationsGainLossOnDisposal"/>
  <xs:element name="LockUpTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_LockUpTerm"/>
  <xs:element name="PurchasePrice" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_PurchasePrice"/>
  <xs:element name="PercentageOfFairValueOfGrossAssets" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_PercentageOfFairValueOfGrossAssets"/>
  <xs:element name="DiscontinuedOperationsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_DiscontinuedOperationsDetailsTable"/>
  <xs:element name="DiscontinuedOperationsDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DiscontinuedOperationsDetailsLineItems"/>
  <xs:element name="CashConsideration" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_CashConsideration"/>
  <xs:element name="OtherReceivablesNetDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_OtherReceivablesNetDetailsTable"/>
  <xs:element name="IntangibleAssetsNetDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_IntangibleAssetsNetDetailsTable"/>
  <xs:element name="OtherNonCurrentAssetsNetDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_OtherNonCurrentAssetsNetDetailsTable"/>
  <xs:element name="DebtSecuritiesFixedReturnRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DebtSecuritiesFixedReturnRate"/>
  <xs:element name="VariableInterestEntitiesVIEsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_VariableInterestEntitiesVIEsDetailsTable"/>
  <xs:element name="ExchangeForIssuedAndOutstandingPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="aifu_ExchangeForIssuedAndOutstandingPercentage"/>
  <xs:element name="AggregateRevenuesDescription" type="xbrli:stringItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_AggregateRevenuesDescription"/>
  <xs:element name="ShorttermLoansDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_ShorttermLoansDetailsTable"/>
  <xs:element name="ShortTermDebtTerm" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShortTermDebtTerm"/>
  <xs:element name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_IncomeTaxesDetailsTable"/>
  <xs:element name="ReducedTaxRatePercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ReducedTaxRatePercentage"/>
  <xs:element name="DividendDistributionWithholdingTaxRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DividendDistributionWithholdingTaxRate"/>
  <xs:element name="UnderpaymentofIncomeTaxLiability" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_UnderpaymentofIncomeTaxLiability"/>
  <xs:element name="UncertainTaxPosition" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_UncertainTaxPosition"/>
  <xs:element name="TaxLossCarriedForwardExpiredAndCancelled" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_TaxLossCarriedForwardExpiredAndCancelled"/>
  <xs:element name="DecreasedBasicNetProfitPerShare" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DecreasedBasicNetProfitPerShare"/>
  <xs:element name="DilutedNetProfitPerShare" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DilutedNetProfitPerShare"/>
  <xs:element name="WithholdingsTaxRate" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_WithholdingsTaxRate"/>
  <xs:element name="DividendsofOwnedByTaxResidentsPerentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_DividendsofOwnedByTaxResidentsPerentage"/>
  <xs:element name="CapitalStructureDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_CapitalStructureDetailsTable"/>
  <xs:element name="CapitaUnitParValue" type="dtr:perShareItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="aifu_CapitaUnitParValue"/>
  <xs:element name="TotalConsideration" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_TotalConsideration"/>
  <xs:element name="RepurchaseOfOrdinarySharesAveragePrice" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_RepurchaseOfOrdinarySharesAveragePrice"/>
  <xs:element name="RecognizingIncomeLossOthersNet" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_RecognizingIncomeLossOthersNet"/>
  <xs:element name="RepurchaseOfOrdinarySharesOutstandingPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_RepurchaseOfOrdinarySharesOutstandingPercentage"/>
  <xs:element name="RepurchaseOfSharesAveragePrice" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_RepurchaseOfSharesAveragePrice"/>
  <xs:element name="StockRepurchasePerShare" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_StockRepurchasePerShare"/>
  <xs:element name="AggregateRepurchasedShares" type="xbrli:sharesItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_AggregateRepurchasedShares"/>
  <xs:element name="StockRepurchasedDuringPeriodPercentageOfSharesOutstanding" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_StockRepurchasedDuringPeriodPercentageOfSharesOutstanding"/>
  <xs:element name="NetIncomeLossPerShareDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_NetIncomeLossPerShareDetailsTable"/>
  <xs:element name="DistributionofProfitsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_DistributionofProfitsDetailsTable"/>
  <xs:element name="AppropriationsToStatutoryCapitalAndSurplus" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_AppropriationsToStatutoryCapitalAndSurplus"/>
  <xs:element name="RelatedPartyBalancesandTransactionsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_RelatedPartyBalancesandTransactionsDetailsTable"/>
  <xs:element name="LoanProvided" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_LoanProvided"/>
  <xs:element name="ReceivablesFromLoans" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="aifu_ReceivablesFromLoans"/>
  <xs:element name="VestingPeriodDomainDomain" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_VestingPeriodDomainDomain"/>
  <xs:element name="ShareBasedCompensationDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_ShareBasedCompensationDetailsTable"/>
  <xs:element name="ShareBasedCompensationDetailsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_ShareBasedCompensationDetailsLineItems"/>
  <xs:element name="OptionsGrantPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_OptionsGrantPercentage"/>
  <xs:element name="PerformanceAwardsPercentageOfUnitsExpectedToVest" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_PerformanceAwardsPercentageOfUnitsExpectedToVest"/>
  <xs:element name="UnrecognizedShareBasedCompensationExpense" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_UnrecognizedShareBasedCompensationExpense"/>
  <xs:element name="NumberOfReportableSegmentsNotDisclosedFlag" type="xbrli:booleanItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_NumberOfReportableSegmentsNotDisclosedFlag"/>
  <xs:element name="SubsequentEventsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="aifu_SubsequentEventsDetailsTable"/>
  <xs:element name="PurchasePerShare" type="dtr:perShareItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_PurchasePerShare"/>
  <xs:element name="PaymentsForCash" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="aifu_PaymentsForCash"/>
  <xs:element name="MaximumPercentageOfConsolidatedNetAssets" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="aifu_MaximumPercentageOfConsolidatedNetAssets"/>
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