Weidong Tian is Professor of Finance and Distinguished Professor of Risk Management and Insurance at the University of North Carolina at Charlotte, USA. Prior to coming to UNC Charlotte, Tian served as a faculty member at the University of Waterloo, Canada, and a visiting scholar at the Sloan School of Management at the Massachusetts Institute of Technology, USA. He also held various positions in financial institutions.ContributorsMaia Berkane, Wells Fargo & Co.John Carpenter, Bank of AmericaRoy E. DeMeo, Wells Fargo & Co.Douglas Gardner, Bank of the WestJeffrey Gerlach, Federal Reserve of RichmondLarry Li, JPMorgan ChaseKevin Oden, Wells Fargo & Co.James B. Oldroyd, Brigham Young UniversityValeriu (Adi) Omer, Bank of the WestTodd Pleune, ProtivitiJeff Recor, Grant ThorntonBrain A. Todd, Bank of the WestHong Xu, AIGDong (Tony) YangYimin Yang, ProtivitiHan Zhang, Wells Fargo & Co., USASteven Zhu, Bank of AmericaDeming Zhuang, Citigroup