Institution: | 1. International School of Business, Beijing International Studies University, Beijing 100024, China; niuweining11@126.com;2. School of Banking and Finance, University of International Business and Economics, Beijing 100029, China; wilsonwxwu@126.com;3. Bunting College of Business, Georgia College and State University, Milledgeville, GA, USA; leng.ling@gcsu.edu |