About the Authors

Wolin Zheng

Contributed equally to this work with: Wolin Zheng, Xiaozhi Chen

Roles Conceptualization, Data curation, Methodology, Writing – original draft, Writing – review & editing

Affiliation School of Credit Management, Guangdong University of Finance, Guang Zhou, China

Xiaozhi Chen

Contributed equally to this work with: Wolin Zheng, Xiaozhi Chen

Roles Data curation, Methodology, Writing – review & editing

chenxzzz95@163.com (XC); 994521705@qq.com (ZW)

Affiliation South China Institute of Innovative Finance, Guangdong University of Finance, Guang Zhou, China

Weiqi Xu

Roles Formal analysis, Supervision

Affiliation College of Economics and Management, South China Agricultural University, Guangzhou, China

Zhidong Wu

Roles Conceptualization, Formal analysis, Project administration, Supervision, Writing – original draft, Writing – review & editing

chenxzzz95@163.com (XC); 994521705@qq.com (ZW)

Affiliation College of Economics and Management, South China Agricultural University, Guangzhou, China

Competing Interests

The authors have declared that no competing interests exist.