X Financial (NYSE:XYF) Q2 2019 Earnings Conference Call August 19, 2019 8:00 AM ET Company Participants Jennifer Zhang - IR Justin Tang - Chairman and CEO Simon Cheng - President Kevin Zhang - CFO Conference Call Participants John Cai - Morgan Stanley Matthew Larson - National Securities Operator Hello, and welcome to the X Financial Second Quarter 2019 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to your host today ...