Mandy Dole | Director, Investor Relations |
Haisheng Wu | Chief Executive Officer |
Alex Xu | Chief Financial Officer |
Yan Zheng | Chief Risk Officer |
Jacky Zuo | China Renaissance |
Richard Xu | Morgan Stanley |
Steven Chan | Haitong International Research |
Ethan Wang | CLSA |
Ladies and gentlemen, thank you for standing by, and welcome to the 360 DigiTech Fourth Quarter 2020 Earnings Conference Call. Please also note that today's event is being recorded. At this time, I'd like to turn the conference call over to Ms. Mandy Dole, IR Director. Please go ahead, Mandy.