1. School of Finance, Jiangxi University of Finance and Economics, Nanchang, China
2. Internet Finance, Hong Kong Applied Science and Technology Research Institute, Hong Kong
3. School of Economics and Management, Xidian University, Xi’an, China
4. Institutes of Science and Development, Chinese Academy of Sciences, Beijing, China
5. College of Economics, Shenzhen University, Shenzhen, China
6. International Business School, Shaanxi Normal University, Xi’an, China