1. Peking University HSBC Business School, University Town, Peking Campus, Lishui Rd., Shenzhen 518055, China
2. Shenzhen Greater Bay Financial Institute, Baisong Rd., Longhua District, Shenzhen 518000, China
3. Department of Infrastructure Engineering, Faculty of Engineering and Information Technology, University of Melbourne, Melbourne, VIC 3010, Australia
4. Department of Civil and Environmental Engineering, University of California-Berkeley, Berkeley, CA 94701, USA