20 years of study and work experience in financial sector. Deep understanding of financial theory and market. From the undergraduate study of international finance at Sun Yat-Sen University he continued to receive education and obtained an MBA in Finance from the Tsinghua-Hong Kong Chinese University Program and a Ph.D. in Finance from Washington State University. He has worked in the financial industry for more than 15 years in mutual corroboration with his theoretical studies. Among them he has more than 12 years of experience in the insurance industry engaged in the management of many large companies such as Prudential Life Insurance Aviva-Cofco and Skandia-Bsam involving insurance actuary financial investment risk management etc. He had good interactions with banking securities and other financial fields and actively participated in policy discussions and development at the regulatory level.