Dr. Zhai has more than 30 years’ experiences in the financial industry, including experiences as the lecture in finance at Southwestern University of Finance and Economics and experiences as the director of a well-known trust and financing research institute. In addition, Dr. Zhai has extensive experiences in corporate management, and he has also held multiple senior management positions, including being an independent director and supervisor, in several banks and corporations. Dr. Zhai received his bachelor’s degree in finance from Shanxi University of Finance and Economics in 1991 and his master and doctor degrees in finance from Southwestern University of Finance and Economics in 1999 and 2005, respectively.