1. School of Business and Management, Hong Kong University of Science and Technology, Clear Water Bay, Kowloon, Hong Kong
2. Department of International Business and Risk and Insurance Research Center, National Chengchi University, Taipei City, Taiwan 116
3. Faculty of Business and Economics, University of Hong Kong, Pokfulam, Hong Kong
4. Faculty of Business, Hong Kong Polytechnic University, Hung Hom, Kowloon, Hong Kong