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(1)　课题来源：盐城市金融研究院，2017.06—2018.05，项目编号：2017YCJR003

作者简介：祝婧然，汉族，女，黑龙江肇东人，盐城师范学院讲师，中南财经政法大学博士生；徐华，汉族，男，江苏东台人，南京银行盐城分行副行长，经济师。