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| Difang Huang |
| Monash University |
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| 900 Dandenong Rd, Caulfield East |
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| Melbourne, VIC 3145 |
| Australia |
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| difang.huang@outlook.com |
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JEL Areas:
R2 : Urban, Rural, and Regional Economics: Household Analysis: General
G2 : Financial Institutions and Services: General |
