Lydia Yu | Investor Relations |
Ning Tang | Executive Chairman and Chief Executive Officer |
Mei Zhou | Chief Executive Officer of Yiren Credit |
Na Mei | Chief Financial Officer |
George Liu | Chief Risk Officer |
Dennis Cong | Director of Yiren Digital |
Yu Cong | Senior Vice President of Strategic Corporate Business Development and Director |
Matt Larson | National Securities |
Good day, and thank you for standing by. Welcome to the Yiren Digital Fourth Quarter and Fiscal Year 2020 Earnings Conference Call. [Operator Instructions] I would now like to hand the conference over to your first speaker today, Ms. Lydia Yu. Please take over, ma’am.