Echo Yan | Investor Relations Director |
Jay Xiao | Chairman and Chief Executive Officer |
Sunny Sun | Chief Financial Officer |
Jayden Qiao | Chief Risk Officer |
Yada Li | CICC |
Alex Ye | UBS |
Hans Fan | CLSA |
Thank you all for standing by, and welcome to the LexinFintech Second Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. And I would now like to hand the conference over to your speaker, Ms.