1. Ph.D. Candidate, School of Management, Guangdong Univ. of Technology, Guangzhou 510520, China; Lecturer, Dept. of Insurance, Guangdong Univ. of Finance, Guangzhou 510521, China.
2. Lecturer, School of Business Administration, Guangzhou Univ., Guangzhou 510006, China.
3. Professor, School of Business Administration, Guangzhou Univ., Guangzhou 510006, China.