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Q4 2019 Yiren Digital Ltd Earnings Call Transcript
Ladies and gentlemen, thank you for standing by, and welcome to Yiren Digital Fourth Quarter and Full Year 2019 Earnings Conference Call. (Operator Instructions) Please be advised that today's conference is being recorded.
I would now like to hand the conference over to your first speaker today, Ms. Lydia Yu. Thank you. Please go ahead.
Thank you, and welcome to Yiren Digital's Fourth Quarter and Full Year 2019 Earnings Conference Call. Today's call features the presentation by the Founder, Chairman and CEO of CreditEase and CEO of Yiren Digital, Mr. Ning Tang; Mr. Zhong Bi, CFO of Yiren Digital; and Mr. Michael Ji, CRO of Yiren Digital.
Before beginning, we would like to remind you that discussions during this call contain forward-looking statements made under the safe harbor provisions of the U.S. Private Securities and Litigation Reform Act of 1995. Such statements are subject to risks, uncertainties and factors that can cause actual results to differ materially from those contained in any such
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