1. Institute of Risk Management, Hundsun Technologies Inc, Hangzhou, China
2. School of Economics, Zhejiang University, Hangzhou, China
3. School of Economics and Management, Fuzhou University, Fuzhou, China
4. Kuang Yaming Honors School, Nanjing University, Nanjing, China
5. The Fu Foundation School of Engineering and Applied Science, Columbia University, New York, NY, USA