Qudian Inc (NYSE:QD) Q4 2019 Results Conference Call March 18, 2020 7:00 AM ET Company Participants Ben Zhao - CEO Assistant Min Luo - Chairman and Chief Executive Officer Sissi Zhu - VP of Investor Relations Conference Call Participants John Cai - Morgan Stanley Jacky Zuo - China Renaissance Sanjay Jain - Aletheia Steven Chan - Haitong International Lucy Lee - Goldman Sachs Livy Lyu - HSBC Operator Hello, ladies and gentlemen, thank you for standing by for Qudian Inc. Fourth Quarter and Final Year 2019 Ear ...