X Financial (NYSE:XYF) Q4 2020 Earnings Conference Call April 26, 2021 7:00 AM ET Company Participants Tanya Wen - Investor Relations Simon Cheng - President Frank Fuya Zheng - Chief Financial Officer Conference Call Participants Operator Hello and welcome to the X Financial Fourth Quarter 2020 Earnings Conference Call. All participants will in a listen-only mode. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Tanya Wen. Please go ahead. Ta ...