About the Authors

Xiaobing Xu

Roles Data curation, Investigation, Methodology, Project administration, Resources, Validation, Visualization, Writing – original draft

Affiliation Minsheng Bank Co., Ltd. Lanzhou Branch, Lanzhou, China

Linzhao Zeng

Roles Conceptualization, Data curation, Formal analysis, Methodology, Visualization, Writing – review & editing

Affiliation School of Business and Economics, Australian National University, Canberra, Australia

Shen Li

Roles Conceptualization, Data curation, Investigation, Methodology, Software, Validation, Writing – original draft

Affiliation Xiongan Information and Communication Technology Co., Ltd, China

Yuejun Liu

Roles Conceptualization, Data curation, Formal analysis, Methodology, Software, Validation, Writing – original draft

Affiliation School of Economics and Management, Southwest Jiaotong University, Chengdu, China

Taiming Zhang

Roles Conceptualization, Investigation, Methodology, Software, Supervision, Writing – original draft

taimingzhang1990@outlook.com

Affiliation Finance Department, Business School, The University of Edinburgh, Edinburgh, Unitede Kingdom

Competing Interests

The authors have declared that no competing interests exist.