Affiliation: | 1. Department of Risk Management and Insurance, College of Economics, Shenzhen University, 3688 Nanhai Blvd., Nanshan District, Shenzhen 518060, Guangdong, China;2. Safeco Distinguished Professor of Insurance, Department of Finance and Management Science, Washington State University, PO Box 644746, Pullman, WA 99164-4746, USA;3. Department of Finance and Marketing, College of Business, California State University, Chico |