X Financial (NYSE:XYF) Q4 2019 Earnings Conference Call April 28, 2020 8:00 AM ET Company Participants Tanya Win - Investor Relations Simon Cheng - President Kevin Zhang - Chief Financial Officer Conference Call Participants John Cai - Morgan Stanley Operator 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 would like to turn your conference call over to Tanya Win [ph]. Ma ...