Liu Xinhua, female, associate professor of Finance Department of International Business School of Shaanxi Normal University, tutor of master students. Xi Jiao Tong University, Ph.D., postdoctoral fellow in economics, Kansas State University, Missouri, USA. He has published more than 10 academic papers on China's financial reform and development (including regional financial development), financial crisis and economic policy, and presided over and undertaken many national and provincial projects.