1. School of Economics and Management Harbin Engineering University Harbin 150001 People's Republic of China
2. Key Laboratory of Big Data and Business Intelligence Technology (Harbin Engineering University) Ministry of Industry and Information Technology Harbin 150001 People's Republic of China
3. Business School Sichuan University Chengdu 610065 People's Republic of China
4. China Development Bank Heilongjiang Branch Harbin 150000 People's Republic of China