Expert Consultant

• Kathy Yuan：Kathy Yuan is a professor of finance at the London School of Economics and Political Science and an expert in asset assessment.

• Li Ming：Li Ming has a Ph.D. in Computer Science in the United States. He used to be a senior advisor at the Credit Reference Center of the People’s Bank of China. He has previously worked for multiple enterprises, public institutions, and government agencies. His research areas include financial data analysis, statistical predictive modeling, computational semantics and information retrieval, information security, strategic planning and enterprise architecture, telecommunications network management, computer firmware, and embedded software. He is currently employed at Beijing Institute of Big Data Research.

• Lin Junyue：Lin Junyue is the Director of the Credit Academic Committee of the China Marketing Association, the Director of the Credit Management Division of the National Vocational Skills Appraisal Expert Committee of the Ministry of Human Resources and Social Security, and a member of the National Social Credit Standardization Technical Committee. He is also a part-time professor or graduate supervisor at several universities. His areas of expertise include corporate credit management, credit technology, social credit system theory, and credit economics. In the late 1980s, he studied at two universities in the United States, earning both MS and MA degrees and an honorary certificate from “Who’s Who in American Universities & Colleges.” He worked in credit management and credit technology in California for several years. Since 1979, he has published over 100 papers in the fields of laser safety protection technology, library and information science, corporate credit management, credit technology, and social credit system theory. Since 1999, he has published several specialized books, including “National Credit Management System,” “Principles of Social Credit System,” “Corporate Credit Management,” and “Fundamentals of Credit Technology.”

• Wu Jingmei：Wu Jingmei is a professor and doctoral supervisor at the School of Finance at Renmin University of China, and a leading figure in the field of credit management. She was a key member of the drafting group and the head of the expert review group for the “Planning Outline for the Construction of a Social Credit System (2014-2020)” of the State Council. She was the head of the first group of experts in charge of evaluating the demonstration cities for the construction of the social credit system. She is also the president of the Beijing Credit Association. She has been engaged in teaching and research on credit management for 30 years, and has established modern credit studies and built a credit capital theory and a three-dimensional credit theory system.

• Zhang Zheng：Zhang Zheng is a professor and doctoral supervisor at the School of Economics, Peking University. He is also the Vice Chairman of the Academic Committee and Director of the China Credit Research Center at Peking University, as well as the Dean of the Continuing Education School. He is a recipient of the Special Allowance from the State Council and the Peking University Outstanding Teaching Award, and has been recognized as a New Century Excellent Talents by the Ministry of Education. He serves as the chief expert of the Major Issues in Social Credit Research Project under the Ministry of Education, the leader of the third-party evaluation expert group for the National Development and Reform Commission’s credit demonstration cities, a member of the expert committee of the Credit Standards Committee of the National Standardization Research Institute, a credit construction consulting expert in the Yangtze River Delta region, and has led more than ten national credit-related research projects. He is also a visiting professor at various universities both in China and abroad, including the University of Tokyo, Waseda University, and Aichi University.

• Li Xianglin：Li Xianglin is currently a professor of practice at the Shanghai Advanced Institute of Finance at Shanghai Jiao Tong University, Vice President of the China Academy of Financial Research, and Joint Academic Director of the Financial Master’s Program. With over 20 years of experience in senior management in risk management, new product development and research, asset management, insurance, and information technology at top financial institutions in China and abroad, he was formerly the Chief Risk Officer of China International Finance Co. Ltd., and was responsible for credit derivatives quantitative analysis and research at Citibank and Barclays Capital globally. He was also the Head of Asset Management Analytics at American International Group. He has served as a council member of the North American Actuarial Society’s Investment Section. He is currently the Deputy Editor-in-Chief of the North American Actuarial Journal, Visiting Professor at the University of Waterloo in Canada, Senior Researcher at the Global Risk Institute (GRI) in Canada, and Senior Advisor at the Risk Management Institute (RMI) at the National University of Singapore. Professor Li is one of the early pioneers in credit derivatives, and his credit portfolio pricing formula is widely used and recognized in both the market and academia. He has been featured in various media outlets such as The Wall Street Journal, Financial Times, Nikkei, and CBC News. He holds a Ph.D. in Statistics from the University of Waterloo, as well as master’s degrees in actuarial science, business administration, and economics, and a bachelor’s degree in mathematics.

• Wang Lu：Wang Lu is a consultant member of the Professional Committee of Credit Management of China Mergers & Acquisitions Association and was formerly the Deputy Director of the Credit Reference Center of the People’s Bank of China. He graduated from Southwest University of Finance and Economics and Saitama University (Japan), with a bachelor’s degree in science and a master’s degree in social sciences. He is also a Senior Economist and a postdoctoral research mentor. He has worked in the Statistical Division, Monetary Policy Division, Credit Reporting Bureau, the representative office in Europe (London, UK), and as the Deputy Director of the Credit Reference Center of the People’s Bank of China. He is currently a visiting professor at Shanghai Lixin University. He has won second and third prizes for Financial Technology Progress Award and has published dozens of internal and public research papers. In 2018, his book “Credit Reporting: Basic Issues and Top-level Design” was published by China Financial Publishing House.

• Han Jiaping：Han Jiaping is the director and researcher of the Credit Research Institute at Chinese Academy of International Trade and Economic Cooperation. He is the chairman of Commercial Factoring Expertise Committee of CATIS and the vice chairman of China Market Credit Management Association. He is also the director of the Social Credit Standardization Technical Committee of Beijing. He is a part-time professor at the School of Finance and Public Administration at Renmin University of China and the School of Economics and Management at the University of International Business and Economics. His research focuses on social credit systems, credit economics, new economics, credit management, and supply chain finance. He is one of the earliest researchers of credit in China, and has authored over 30 books, papers, and reports on credit management, totaling over 700,000 words. He holds a master’s degree from the School of Economics and Management at Tsinghua University.

• Yuan Xianzhi：Yuan Xianzhi’s research areas include financial risks (credit risk and market risk), fintech, financial engineering, big data and artificial intelligence. Since 2018, he has been a specially appointed foreign professor and doctoral supervisor at the School of Management, Sun Yat-sen University, with more than 30 years of experience working and studying in the United States, Canada, and Australia. He has extensive experience in theoretical and practical applications of fintech, financial engineering, financial mathematics, and related big data disciplines. He has published over 150 professional papers in SCI and SSCI academic journals both domestically and internationally, and has authored three monographs. He has made a series of systematic achievements in nonlinear analysis and related fields in mathematical economics, financial engineering, game theory, fintech, and other areas that are at the forefront of international research.

• Hong Hao：Hong Hao is the Deputy General Manager of the Research and Planning Department of a large financial institution. He also serves as the Chief Economist of the Professional Committee of Credit Management（PCCM） of China Mergers & Acquisitions Association. He received his bachelor’s degree in finance from the University of Greenwich in the United Kingdom, a master’s degree in finance and banking from Cardiff University, and a PhD in macroeconomics. In January 2012, he started working as a postdoctoral researcher at the People’s Bank of China. He has published several academic papers in journals such as Economic Research, Financial Research, and International Finance Research. He was also a key member of the macroeconomic modeling team at a research institute, mainly responsible for the construction of macroeconomic models.

• Miao Weimin：Miao Weimin is the co-founder and CEO of CriAT, a company based in Singapore. He is an expert in credit risk analysis and statistical optimization. He previously served as a senior researcher at the Risk Management Institute of the National University of Singapore and as the operating director of the Credit Research Initiative (CRI). He has published numerous academic papers in top international journals and has also collaborated with multiple international financial institutions to customize and develop risk solutions. For example, he helped develop the BuDA system used by the International Monetary Fund (IMF) for financial stability stress testing in its global policy work. He received his undergraduate degree from Peking University, his master’s degree from the Chinese Academy of Sciences, and his PhD from the National University of Singapore.

• Yang Zijun：Dr. Yang Zijun is an expert in international credit risk control systems, financial products, and data analysis modeling, with over 20 years of experience in the data mining and analysis industry. From 2006 to 2014, Dr. Yang served as the Chief Scientist of the R&D department at Experian, a global credit reporting giant. The Market Intelligence Report and Extended View Score products developed under her leadership won the Experian Global Innovation Award in 2011 and 2012, respectively. After the outbreak of the US subprime mortgage crisis, Dr. Yang’s team was requested by the Federal Reserve Board to develop a series of models for assessing housing loan risks and predicting losses, collaborated with the US Internal Revenue Service to develop models for personal and family income, and jointly launched the Vantage Score with the three major credit bureaus. She holds a PhD in Electrical and Computer Engineering from the University of Southern California (USC), as well as Master’s and Bachelor’s degrees from Tsinghua University.

• Liu Yamei：Liu Yamei holds a PhD in Economics from Iowa State University (ISU) in the United States, and currently serves as the Director of Analytic Consulting at FICO China. She has previously worked in risk analysis technology and management at internationally renowned financial institutions such as PayPal (an eBay company), Washington Mutual Bank, and Citibank.

• Martin Chorzempa：Martin Chorzempa is a Research Fellow at the Peterson Institute for International Economics (PIIE), a US-based think tank. He holds a master’s degree from the Kennedy School of Government at Harvard University. His research focuses on financial technology and credit systems.

• Liu Shiping：Liu Shiping is the chairman and founder of GBICC – Global Business Intelligence Consulting Corp. He previously served as the Chief Consultant for Business Intelligence at IBM Global Services. In 1998, he assisted the People’s Bank of China in building the first big data project in the financial industry in China, the Credit Reference Management System. After returning to China, he helped establish the XBRL organization in China and participated in the formulation of nine national standards for XBRL in China, as well as working on business intelligence projects for over 100 global financial enterprises. He holds four patents in the field of big data, business intelligence, and data mining in the financial industry and has published more than 30 academic papers and over 40 professional and academic articles in China. He is currently a professor and Ph.D. supervisor at the University of Chinese Academy of Sciences and the Director of the Financial Technology Research Center at the University of Chinese Academy of Sciences. He earned his Ph.D. in Economics and a Master’s degree in Statistics from North Carolina State University in the United States.

• Wang Dejia：Wang Dejia is the founder of Jiangsu PayEgis Co.,Ltd, the inventor of Space-Time Code, and a member of Jiusan Society. He is the author of “Identity Crisis” and “Digital Identity”. With over 11 years of experience in overall design, product development, and management at internationally renowned software companies such as Oracle, Visa, and IBM, he has participated in several early-stage startups in Silicon Valley. In 2011, he returned to China and founded Jiangsu PayEgis Co.,Ltd, serving as Chairman and CEO. He has participated in the development of multiple national and industry standards and holds over a hundred independent intellectual property rights and technological achievements. He holds a Ph.D. in Mathematics from the University of Wisconsin, a Master of Science from the Software Research Institute of the Chinese Academy of Sciences, and a Bachelor’s degree in Probability and Statistics from the University of Science and Technology of China.

• Dai Xin：Dai Xin is currently a tenure track associate professor of the Law School at Peking University. He previously served as a professor, doctoral supervisor, and deputy dean of the Law School at Ocean University of China under the “Young Talents Program.” He received a bachelor’s degree and a double degree in law and sociology from Peking University, a Juris Doctor degree from Duke University School of Law in the United States, and a Doctor of Juridical Science degree from the University of Chicago Law School in the United States. He has worked at Sherman & Sterling LLP’s New York and Hong Kong offices, focusing on capital market transactions, US securities and corporate law, and is licensed to practice law in the state of New York. His main research areas include jurisprudence, law and economics, law and sociology, internet law, and data-driven public governance.

• Mu Zhonghe：Mu Zhonghe is currently a partner at Beijing Deheng Law Offices. He has 8 years of experience as a practicing lawyer and 15 years of experience working for the Ministry of Commerce. During his time at the Ministry of Commerce, he mainly engaged in WTO negotiations (including responding to China-US trade frictions). As a lawyer, he has handled many major litigation and non-litigation projects. He has extensive practical experience and in-depth research in the areas of capital markets, litigation and arbitration, and cross-border investment. He holds a PhD in Law from Renmin University of China and was a visiting professor at Stanford University in the United States in 2012.

• He Bo：He Bo is a researcher at the Internet Law Research Center of the China Academy of Information and Communications Technology and a visiting scholar at the International Institute for the Unification of Private Law. He previously worked in legislative affairs at the Policy and Regulation Bureau of the Cyberspace Administration of China, participating in the drafting of important laws such as the Personal Information Protection Law and the Data Security Law. He currently serves as a member of the Expert Group on International Telecommunication Regulations of the International Telecommunication Union, as well as a member and deputy leader of the Policy and Regulation Group of the Trusted Blockchain Expert Committee, and a council member of the Beijing Cyber Law Society. His research mainly focuses on legal and policy issues related to the internet, personal information protection, and artificial intelligence. He has long been concerned with legal issues related to new technologies and applications such as credit information, blockchain, and big data. He has published more than 40 related articles in journals such as Big Data, China Information Security, and People’s Posts and Telecommunications News, and won first prize in the first Youth Cadre Paper Contest of the Ministry of Industry and Information Technology.

• An Guangyong：An Guangyong obtained his MBA from Seoul National University in Korea. He is an expert in the Expert Committee of China Big Data Industry Ecology Alliance and the Secretary-General of the Credit Reporting Committee of the CDO Alliance. He has worked for multinational companies such as NICE (the largest credit reporting agency in Korea), BCG, LG, and Sunshine, and has held positions such as Overseas Business Director and General Manager of Data Development Department. He has participated in the preliminary work of formulating the “Credit Reporting Industry Management Regulations” and provided legal and institutional consultation on credit for government agencies such as the People’s Bank of China, the National Development and Reform Commission, and the Ministry of Commerce. He has helped Internet companies such as Didi, Meituan, Baidu, and Sunshine to advance their layout in the financial sector, and provided pre-sales consulting services to banks such as ICBC, ABC, BOC, CMBC, Minsheng Bank, Ping An Bank, and Microsoft.

• Pang Chaoran：Pang Chaoran is an associate researcher at Chinese Academy of International Trade and Economic Cooperation (a national high-end think tank). He mainly researches in the areas of global macroeconomics, international capital flows, and foreign economic and trade policies. He has published more than twenty academic papers, completed over thirty policy reports of various kinds, and has been instructed by national leaders several times. He has won awards for his research achievements in the industry several times. In the field of corporate credit research, he mainly engages in national credit risk analysis, long-term research on bankruptcy risk analysis of enterprises in various countries, and has long been concerned with credit bond issues in domestic and foreign capital markets. He assists in formulating and improving the credit risk management system for commerce and is good at quantitative analysis of credit and research on credit management policies. He received his master’s degrees in both chemistry and economics from the State University of New York, USA.