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           __   __    ______     ___     _____    
  ____     \ \\/ //  /_   _//   / _ \\  |  __ \\  
 |    \\    \ ` //     | ||    | / \ || | |  \ || 
 | [] ||     | ||     _| ||    | \_/ || | |__/ || 
 |  __//     |_||    /__//      \___//  |_____//  
 |_|`-`      `-`'    `--`       `---`    -----`   
 `-`

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發送短信 : The alternative three factor model : evidence from China