[1] Chongqing Technol & Business Univ, Sch Management Sci & Engn, Chongqing 400067, Peoples R China
[2] Shandong Univ Finance & Econ, Sch Management Sci & Engn, Jinan 250014, Peoples R China
[3] China Financial Certificat Author, Beijing 100054, Peoples R China
[4] Shandong Univ Sci & Technol, Coll Humanity & Law, Qingdao 266590, Peoples R China