Jiayin Group Inc.

Good day ladies and gentlemen. Thank you for standing by and welcome to GIN Group fourth quarter and full year of 2020 earnings conference call. Currently all participants are in a listen only mode. Later we will 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. I will now turn the call over to Ms. Julia Chan, Managing Director of the Blue Shirt Group Asia. Ms. Chan, please proceed.

Hello, everyone. Thank you all for joining us on today's conference call to discuss Jiang Ying Group's financial results for the fourth quarter and the fourth year 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. Yanjing Gui, Chief Executive Officer, Mr. Shirley Bai, and Mr. Shilin Chen, Core Chief Financial Officer, and Mr. Shi Yifang, Chief Risk Officer. Before we continue, please note that today's discussion will contain forward-looking statements made under the 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 result may be materially different from the expectation expressed today. Further information regarding these and other risks and uncertainties is included in the company's proprietary filing with the SEC. The company does not assume any obligation to update any forward-looking statement except as required under capable law. Also, please note that unless otherwise stated, All figures noted during the conference call are in Chinese R&B. With that, let me now turn the call over to our CEO, Mr. Yan Jinggui. Mr. Yan will speak in Chinese, and then our core CFO, Shidi Bai, will translate his remarks to English. Go ahead, Mr. Yan.

Hello, everyone. I am Yan Jinggui, CEO of Shidi Bai.