Qudian, Inc. (NYSE:QD) Q4 2018 Earnings Conference Call March 18, 2019 7:00 AM ET Company Participants Annie Huang - Director of Capital Markets Min Luo - Founder, Chairman, Chief Executive Officer Carl Yeung - Chief Financial Officer Conference Call Participants John Cai - Morgan Stanley Charles Zhou - Credit Suisse Jacky Zuo - Deutsche Bank Victor Wang - CICC Linda Sun-Mattison - Bernstein Martin Ma - Nomura Daphne Poon - Citi Matthew Larson - National Securities Operator Hello, ladies and gentlemen, than ...