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Yin Zhichao (尹志超)1, Guo Peiyao (郭沛瑶)2* and Zhang Linwan (张琳琬)3 1,3 School of Finance, Capital University of Economics and Business, Beijing, China 2 School of Economics, Beijing Wuzi University, Beijing, China Abstract: Based on the China Household Finance Survey (CHFS) ...