Q4 2019 X Financial Earnings Call Transcript
Good day, everyone, and welcome to the X Financial Fourth Quarter 2019 Earnings Conference Call. (Operator Instructions) Please also note, today's event is being recorded. At this time, I'd like to turn your conference call over to [Tanya Wen].
Ma'am, please go ahead.
Thank you, operator. Hello, everyone, and thank you for joining us today. The company's results were released earlier today and are available on the company's IR website at ir.xiaoyinggroup.com. On the call today from X Financial are Mr. Simon Cheng, President; and Mr. Kevin Zhang, Chief Financial Officer. Mr. Cheng will give a brief overview of the company's business operations and highlights, followed by Mr. Zhang, who will go through the financials and the guidance. They are all available to answer your questions during the Q&A session.
I remind you that this call may contain forward-looking statements under the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Such statements are based on management's current
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