X Financial (NYSE:XYF) Q4 2018 Results Earnings Conference Call March 19, 2019 8:00 AM ET Company Participants Jennifer Zhang - Investor Relations Yue Tang - Chairman & CEO Jie Zhang - Chief Financial Officer Shaoyong Cheng - President Conference Call Participants Jacky Zuo - Deutsche Bank John Cai - Morgan Stanley Operator Good morning, and welcome to the X Financial Fourth Quarter 2018 Earnings Conference Call. All participants will be in listen-only mode [Operator Instructions]. After today's presentatio ...