Professor Xiaoyan Zhang has served as our independent director since February 2018. She is currently Assistant Dean and Xinyuan chair professor of finance at the PBC School of Finance, Tsinghua University. Professor Zhang's research focuses on financial technology, international finance, empirical asset pricing and applied econometrics. Professor Zhang served as Duke Realty chair professor of finance with tenure at the Krannert School of Management, Purdue University from 2010 to 2018. Prior to joining the Krannert faculty, Professor Zhang was assistant professor of finance at the Johnson School of Management, Cornell University from 2002 to 2010. Professor Zhang currently serves as a member of the Issuance Examination Committee of China Securities Regulatory Commission. She is also an independent director on the board of directors of Sinoma International Engineering Co., LTD. In 2017, Professor Zhang was recognized as a finance expert listed in the Recruitment Program of Global Experts, (known as "the Thousand Talents Plan"), by the PRC government. Professor Zhang received a bachelor's degree in international economics from Beijing University in 1997 and a doctor of philosophy degree in finance (with honors) from Columbia Business School in 2002.