Q4 2018 Yirendai Ltd Earnings Call Transcript
Ladies and gentlemen, thank you for standing by, and welcome to Yirendai Fourth Quarter and Full Year 2018 Earnings Conference Call. (Operator Instructions) I must advise you that this conference is being recorded today, 25th of March, 2019.
I would now like to hand the conference over to your first speaker today, Ms. Lydia Yu. Thank you, please go ahead, ma'am.
Thank you, and welcome to Yirendai's Fourth Quarter and Full Year 2018 Earnings Conference Call.
Today's call features a presentation by the founder, Chairman and CEO of CreditEase and Chairman of Yirendai, Mr. Ning Tang; our CEO Ms. Yihan Fang; our CFO, Mr. Dennis Cong. Mr. Huan Chen, our Board of Director; and Ms. Joanne Liu, our VP of Finance, will join the presenters in the Q&A session.
Before beginning, we will like to remind you that the 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
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