Xinrui Chen Assistant Research Fellow Nottingham University Business School China Landy Fan Assistant Research Fellow Nottingham University Business School China Grace Gu Assistant Research Fellow Nottingham University Business School China Xinyin Hu Assistant Research Fellow Nottingham University Business School China Lin Jiang Assistant Research Fellow Nottingham University Business School China Jiaying Li Assistant Research Fellow Nottingham University Business School China Fang Shen Assistant Reseach Fellow Nottingham University Business School China Hollie SHIH Assistant Research Fellow Nottingham University Business School China Ajax Xu Assistant Research Fellow Nottingham University Business School China Conan Yang Assistant Research Fellow, Centre for Inclusive Finance Nottingham University Business School China Judy Zhang Assistant Research Fellow Nottingham University Business School China Even Zhou Assistant Research Fellow Nottingham University Business School China