Jiayin Group Inc.

Today, ladies and gentlemen, thank you for standing by, and welcome to the Jian Group's first quarter of 2020 earnings conference call. And at this time, all participants are in listen-only mode. Later, we'll conduct a question-and-answer session, and instructions will follow at that time. As a reminder, we are recording today's call. If you have any objections, you may disconnect at this time. Now, I'll turn the call over to Julian Cairns.

Hello, everyone. Thank you all for joining us on today's conference call to discuss Jialin Group's financial results for the first quarter of 2020. We released the results early today. The press release is available on the company's website as well as from Newswire Services. On the call with me today are Mr. Yan Dinggui, Chief Executive Officer. Mr. Charlie Fan, Chief Financial Officer, and Mr. Xu Yi Fan, Chief Risk Officer. Before we continue, please note that today's discussion will contain forward-looking statement made under safe harbor provision of the U.S. Private Security Litigation Reform Act of 1995. Forward-looking statement involves inherent risks and uncertainties. As such, the company's actual results may be materially different from for the information regarding these and other risks and uncertainties is included in the company's public filing with the SEC. The company does not assume any obligation to update any forward-looking statement except as required under principal law. Also, please note that unless otherwise stated, all figures mentioned during the conference call are in Chinese RMB. With that, let me now turn the call over to our CEO, Yan Jinggui. Mr. Yan will speak in Chinese, and then our I, Director Shidi Bai, will translate his comments to English. Go ahead, Mr. Yan.

大家好,感谢大家参加甘金科2020年第一季度财报电话会议。 今晚受到出入起来的疫情和快速变化的市场环境的影响,