1. School of Economic Information Engineering, Southwestern University of Finance and Economics, 55 Guanghuacun Street, Chengdu 610074, China
2. Collaborative Innovation Center for the Innovation and Regulation of Internet-Based Finance, Southwestern University of Finance and Economics, 55 Guanghuacun Street, Chengdu 610074, China
3. Laboratory for Financial Intelligence and Financial Engineering, Southwestern University of Finance and Economics, 55 Guanghuacun Street, Chengdu 610074, China
4. Institute of Chinese Payment System, Southwestern University of Finance and Economics, 55 Guanghuacun Street, Chengdu 610074, China