1. School of Business, Huanggang Normal University, Huanggang 438000, China
2. School of Economics and Management, GuangXi Normal University, Guilin 541000, China
3. Department of Insurance and Economy of Social Sphere, Financial University under the Government of the Russian Federation, 125993 Moscow, Russia
4. Department of Risk Management and Insurance, MGIMO University, 119435 Moscow, Russia
5. The Management Faculty, Czestochowa University of Technology, 42-201 Częstochowa, Poland
6. Department of Business Management, College of Business and Economics, University of Johannesburg, Johannesburg 1809, South Africa