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Q4 2020 Yiren Digital Ltd Earnings Call Transcript
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.
Thank you, and welcome to Yiren Digital's Fourth Quarter and Fiscal Year 2020 Earnings Conference Call. Today's call features a presentation by the Founder, Chairman and CEO of CreditEase and CEO of Yiren Digital, Mr. Ning Tang; CEO of Yiren Credit, Ms. Mei Zhou; and CFO of Yiren Digital, Mr. Na Mei. And CRO of Yiren Digital, Mr. George Liu; and Mr. Dennis Cong, Director of Yiren Digital, will join the presenters in the Q&A session.
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 Litigation Reform Act of 1995. Such statements are subject to risks, uncertainties and factors that can cause actual
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