About the Authors

Jiandi Zhang

Roles Investigation, Methodology, Project administration, Validation, Writing – original draft, Writing – review & editing

Affiliation Shanghai Lixin University of Accounting and Finance, Shanghai, China

Xiaoqing Guo

Roles Data curation, Formal analysis, Methodology, Software, Validation, Writing – review & editing

2022110077@email.cufe.edu.cn

Affiliation School of Insurance, Central University of Finance and Economics, Beijing, China

Rui Xu

Roles Supervision, Writing – review & editing

Affiliation Guangdong Branch, Postal Savings Bank of China, Guangzhou City, Guangdong Province, China

Zhengfa Yang

Roles Project administration, Supervision

Affiliation China North Industries Institute of Planning and Research, Beijing, China

Competing Interests

The authors have declared that no competing interests exist.