1. School of Business, Suzhou University of Science and Technology, Suzhou, People’s Republic of China
2. Postdoctoral Research Station, Suzhou International Development Group Co., Ltd, Suzhou, People’s Republic of China
3. Postdoctoral Research Station, Sunshine Insurance Group, Beijing, People’s Republic of China
4. PBC School of Finance, Tsinghua University, Beijing, People’s Republic of China