Q3 2020 360 DigiTech Inc Earnings Call Transcript

Nov 20, 2020 / 01:00AM GMT
Operator

Ladies and gentlemen, thank you for standing by, and welcome to the 360 DigiTech Third Quarter 2020 Earnings Conference Call. (Operator Instructions) Please be advised today's event is being recorded. At this time, I'd like to turn the conference call over to Ms. [Mandy Dong], IR Director. Please go ahead, Mandy.

Mandy Dong - 360 DigiTech, Inc. - IR Director

Thank you, Ray. Hello, everyone. Welcome to our third quarter 2020 earnings conference call. Our results were issued earlier today on our website. Joining me today are Mr. Wu Haisheng, our CEO and Director; Mr. Alex Xu, our CFO; and Mr. Zheng Yan, our CRO.

Before we begin the prepared remarks, I'd like to remind you of the company's safe harbor statement. Except for historical information, the materials discussed here may contain forward-looking statements, which are based on our current plans, estimate and projections. Therefore, you should not place undue reliance on them. Forward-looking statements involve inherent risks and uncertainties. We caution that a number of important factors could cause

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