Xu Yinshuo was granted her PhD degree in environmental finance in 2009 at the University of Southern Queensland, Australia. She is an assistant professor at the Research Institute of Finance and Economics, Central University of Finance and Economics. Her research interest falls in environmental risk management of Financial Institutions and Low-carbon credit. She is the author of Environmental risks, bank loan covenants and the coat of bank loans: an Australian study. She earned her PhD degree in Environmental Finance at the University of Southern Queensland.