Yiren Digital Ltd.

Thank you for standing by and welcome to the Year in Digital first quarter 2023 earnings conference call. All participants are in a listen only mode. There will be a presentation followed by a question and answer session. If you wish to ask a question, you will need to press the star key followed by the number one on your telephone keypad. I would now like to hand the conference over to Lydia Yu. Please go ahead. Thank you, operator.

Hello, everyone, and welcome to our first quarter 20.3 earnings conference call. Today's call features a pair of remarks by the founder, chairman, and CEO of Credit East, and our CEO, Mr. Ming Tang, and our CFO, Ms. Nan Ming. Mr. Edward Wong, head of our consumer finance, will join the presenters in a Q&A session. Before beginning, we would like to remind you that discussions during this call contain four looking statements made under the safe harbor position of U.S. Private Securities Litigation Reform Act of 1995. Florida's statements involve inherent risks and uncertainties. As such, the company results may be materially different than the views expressed today. Further information regarding future risks, uncertainties, or factors is included in our filings of the U.S. FCC. We do not undertake any obligations to update any Florida's statements as required under the relevant law. During this call, we will be referring to certain non-definitional measures and supplemental measures to review and assess our operating performance. These non-definitional measures are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with U.S. GAAP. For information about these non-GAAP measures and recommendations to GAAP measures, please refer to our earnings press release.

I will now pass it on to Ming, our CEO, for opening remarks.