Sally Yim Managing Director - Financial Institutions Group Moody's Investors Service

Sally Yim is a Managing Director in the Financial Institutions Group. Based in Hong Kong, Sally is responsible for Moody’s analytical teams covering ratings and research on Asian (including Japan) insurers, Greater China banks, and North Asian (excluding Japan) non-bank financial institutions.

Sally joined Moody’s in February 2005 as an Associate Analyst in New York, covering property & casualty insurers. She transferred to Hong Kong in 2006 and completed a short stint in the Corporate Finance Group, supporting analysts in the oil & gas, petrochemical and steel sectors. Sally rejoined the Financial Institutions Group as an Analyst in January 2007. Since then, Sally has covered various Asian financial institutions, including insurance companies, banks and securities companies.

Prior to joining Moody’s, Sally worked as a Senior Auditor at Ernst & Young LLP in New York, specializing in private and public insurers. She also worked at Ernst & Young’s National Professional Practice, where she focused on technical accounting research, while assisting in accounting consultations.

Sally holds a Bachelor of Business Administration and Master of Accounting from the University of Michigan. She is a CFA charterholder and also a Certified Public Accountant.

Zhao Zhi Hong Executive Vice President and Chief Risk Officer China Bohai Bank

Zhao Zhihong, who holds PhD in management from Dalian University of Technology, is a senior economist, and an expert entitled to special government allowance. Zhao is also a director of the Northern Finance Institute of (NFI). He had worked for China Construction Bank for a long time before, and now serves as Executive Vice President and Chief Risk Officer of China Bohai Bank Co., Ltd. He has published seven monographs, including "Comprehensive Risk Management System of Banks", "Banking Product Factory - Evaluation and Analysis of Innovation Capability", "Real Time Smart Bank", "Lean Banking Services - Customer Experience Wins", "Banking Technology - Building Intelligent Financial Value Network", "Agile Bank – Metamorphosis of Financial Supply Aspect" and "Comprehensive Risk Management of Future Banks".

Sally Yim Managing Director - Financial Institutions Group Moody's Investors Service

Sally Yim is a Managing Director in the Financial Institutions Group. Based in Hong Kong, Sally is responsible for Moody’s analytical teams covering ratings and research on Asian (including Japan) insurers, Greater China banks, and North Asian (excluding Japan) non-bank financial institutions.

Sally joined Moody’s in February 2005 as an Associate Analyst in New York, covering property & casualty insurers. She transferred to Hong Kong in 2006 and completed a short stint in the Corporate Finance Group, supporting analysts in the oil & gas, petrochemical and steel sectors. Sally rejoined the Financial Institutions Group as an Analyst in January 2007. Since then, Sally has covered various Asian financial institutions, including insurance companies, banks and securities companies.

Prior to joining Moody’s, Sally worked as a Senior Auditor at Ernst & Young LLP in New York, specializing in private and public insurers. She also worked at Ernst & Young’s National Professional Practice, where she focused on technical accounting research, while assisting in accounting consultations.

Sally holds a Bachelor of Business Administration and Master of Accounting from the University of Michigan. She is a CFA charterholder and also a Certified Public Accountant.

Prof. Xiao Geng Professor of Practice at the Chinese University of Hong Kong at Shenzhen, Director of the Institute of Policy and Practice at the Shenzhen Finance Institute, Chairman of the Hong Kong Institution for International Finance

Geng XIAO is Professor of Practice at the Chinese University of Hong Kong at Shenzhen, where he is Director of the Institute of Policy and Practice at the Shenzhen Finance Institute. Professor Xiao is also Chairman of the Hong Kong Institution for International Finance. Before joining Shenzhen Finance Institute, Geng Xiao is Professor of Practice in Finance at Peking University HSBC Business School, Director of the Research Institute of Maritime Silk-road, and Deputy Director of PHBS Think-tank. Professor Xiao was previously Professor of Practice in Finance and Public Policy at the University of Hong Kong, Vice President of the Fung Global Institute, Director of the Columbia University Global Center in Beijing, Founding Director of the Brookings-Tsinghua Center for Public Policy, Senior Fellow of the Brookings Institution, Head of Research and Advisor to Chairman at Securities and Futures Commission of Hong Kong, and Consultant for the World Bank and UNDP. He graduated from University of Science and Technology of China and received Ph.D. in Economics from University of California at Los Angeles.

Prof. Lian Ping Chief Economist of Zhi Xin Investment, Head of the Zhi Xin Research Institute, Doctoral Supervisor and Honorary Director of the Department of Economics and Management, East China Normal University

Mr. Lian is a distinguished expert of Price Monitoring Center of National Development and Reform Commission, founding member of the China Financial Forum, the president  of the China Chief Economist Forum, Deputy Director of the Chief Economist Committee of the Asian Financial Think Tank, Shanghai Municipal Government decision-making consultation expert, and Chief Economist of the Bank of Communications from 2007 to 2019. Mr. Lian is entitled to State Council’s special government allowance,  and was invited to expert panels chaired by CCP General Secretary and often invited to expert and entrepreneur seminars chaired by the Premier of the State Council (five times).

Mr Lian’s primary research interests are in macroeconomic operation and policy, international finance and commercial banking. He has published more than 600articles and 18 books, managed and completed over 30 research projects at the provincial and national level. His monograph “Interest Rate Liberalization: What Will be Dominant?" won the special prize at the 2016 Development and Research Distinctive Achievement Award of China Banking Industry. Another monograph "Research on China's Financial Holding Companies in the New Era" topped the list of Sina Finance’s comprehensive selection of the top 10 financial books for banking sector in 2019.

Chen Huang Senior Vice President - Financial Institutions Group Moody's Investors Service

Chen Huang is a Senior Vice President within Moody’s Financial Institutions Group. Based in Hong Kong, she is responsible for the ratings and research for a portfolio of Chinese banks and insurance companies.

Chen has over 12 years of experience covering financial institutions. She joined Moody's in December 2020 from Autonomous Research/Sanford C. Bernstein, where she primarily covered Chinese banks as a partner before moving to her most recent position as a consultant in China macrofinancial research. Previously, she worked at CLSA (now CITIC CLSA) as a senior analyst covering Chinese banks and non-bank financial institutions.

Earlier in her career, she worked as a senior auditor at PricewaterhouseCoopers and had a brief stint at Caijing Magazine (now Caixin).

Chen received her Master of Public Administration from Syracuse University in the U.S and Bachelor of Arts in Economics from the University of International Business and Economics in China.

Yulia Wan Vice President, Senior Analyst - Financial Institutions Group Moody's Investors Service

Yulia Wan is a Vice President, Senior Analyst with Moody’s Financial Institutions Group in Asia. Based in Shanghai, she is responsible for a portfolio of banks in Mainland China.

Yulia has over 10 years’ experience in researching and analyzing Chinese financial institutions, including through roles at Accenture Co, Ltd in Shanghai, Xinhua Finance and Royal Bank of Canada.

Yulia got Chartered Financial Analyst designation in 2003. She holds an MBA from the Richard Ivey School of Business, and a BA and MA from the University of International Business and Economics in Beijing.

Zhao Zhi Hong Executive Vice President and Chief Risk Officer China Bohai Bank

Zhao Zhihong, who holds PhD in management from Dalian University of Technology, is a senior economist, and an expert entitled to special government allowance. Zhao is also a director of the Northern Finance Institute of (NFI). He had worked for China Construction Bank for a long time before, and now serves as Executive Vice President and Chief Risk Officer of China Bohai Bank Co., Ltd. He has published seven monographs, including "Comprehensive Risk Management System of Banks", "Banking Product Factory - Evaluation and Analysis of Innovation Capability", "Real Time Smart Bank", "Lean Banking Services - Customer Experience Wins", "Banking Technology - Building Intelligent Financial Value Network", "Agile Bank – Metamorphosis of Financial Supply Aspect" and "Comprehensive Risk Management of Future Banks".

Prof. Xiao Geng Professor of Practice at the Chinese University of Hong Kong at Shenzhen, Director of the Institute of Policy and Practice at the Shenzhen Finance Institute, Chairman of the Hong Kong Institution for International Finance

Geng XIAO is Professor of Practice at the Chinese University of Hong Kong at Shenzhen, where he is Director of the Institute of Policy and Practice at the Shenzhen Finance Institute. Professor Xiao is also Chairman of the Hong Kong Institution for International Finance. Before joining Shenzhen Finance Institute, Geng Xiao is Professor of Practice in Finance at Peking University HSBC Business School, Director of the Research Institute of Maritime Silk-road, and Deputy Director of PHBS Think-tank. Professor Xiao was previously Professor of Practice in Finance and Public Policy at the University of Hong Kong, Vice President of the Fung Global Institute, Director of the Columbia University Global Center in Beijing, Founding Director of the Brookings-Tsinghua Center for Public Policy, Senior Fellow of the Brookings Institution, Head of Research and Advisor to Chairman at Securities and Futures Commission of Hong Kong, and Consultant for the World Bank and UNDP. He graduated from University of Science and Technology of China and received Ph.D. in Economics from University of California at Los Angeles.

Prof. Lian Ping Chief Economist of Zhi Xin Investment, Head of the Zhi Xin Research Institute, Doctoral Supervisor and Honorary Director of the Department of Economics and Management, East China Normal University

Mr. Lian is a distinguished expert of Price Monitoring Center of National Development and Reform Commission, founding member of the China Financial Forum, the president  of the China Chief Economist Forum, Deputy Director of the Chief Economist Committee of the Asian Financial Think Tank, Shanghai Municipal Government decision-making consultation expert, and Chief Economist of the Bank of Communications from 2007 to 2019. Mr. Lian is entitled to State Council’s special government allowance,  and was invited to expert panels chaired by CCP General Secretary and often invited to expert and entrepreneur seminars chaired by the Premier of the State Council (five times).

Mr Lian’s primary research interests are in macroeconomic operation and policy, international finance and commercial banking. He has published more than 600articles and 18 books, managed and completed over 30 research projects at the provincial and national level. His monograph “Interest Rate Liberalization: What Will be Dominant?" won the special prize at the 2016 Development and Research Distinctive Achievement Award of China Banking Industry. Another monograph "Research on China's Financial Holding Companies in the New Era" topped the list of Sina Finance’s comprehensive selection of the top 10 financial books for banking sector in 2019.

Sally Yim Managing Director - Financial Institutions Group Moody's Investors Service

Sally Yim is a Managing Director in the Financial Institutions Group. Based in Hong Kong, Sally is responsible for Moody’s analytical teams covering ratings and research on Asian (including Japan) insurers, Greater China banks, and North Asian (excluding Japan) non-bank financial institutions.

Sally joined Moody’s in February 2005 as an Associate Analyst in New York, covering property & casualty insurers. She transferred to Hong Kong in 2006 and completed a short stint in the Corporate Finance Group, supporting analysts in the oil & gas, petrochemical and steel sectors. Sally rejoined the Financial Institutions Group as an Analyst in January 2007. Since then, Sally has covered various Asian financial institutions, including insurance companies, banks and securities companies.

Prior to joining Moody’s, Sally worked as a Senior Auditor at Ernst & Young LLP in New York, specializing in private and public insurers. She also worked at Ernst & Young’s National Professional Practice, where she focused on technical accounting research, while assisting in accounting consultations.

Sally holds a Bachelor of Business Administration and Master of Accounting from the University of Michigan. She is a CFA charterholder and also a Certified Public Accountant.

Chen Huang Senior Vice President - Financial Institutions Group Moody's Investors Service

Chen Huang is a Senior Vice President within Moody’s Financial Institutions Group. Based in Hong Kong, she is responsible for the ratings and research for a portfolio of Chinese banks and insurance companies.

Chen has over 12 years of experience covering financial institutions. She joined Moody's in December 2020 from Autonomous Research/Sanford C. Bernstein, where she primarily covered Chinese banks as a partner before moving to her most recent position as a consultant in China macrofinancial research. Previously, she worked at CLSA (now CITIC CLSA) as a senior analyst covering Chinese banks and non-bank financial institutions.

Earlier in her career, she worked as a senior auditor at PricewaterhouseCoopers and had a brief stint at Caijing Magazine (now Caixin).

Chen received her Master of Public Administration from Syracuse University in the U.S and Bachelor of Arts in Economics from the University of International Business and Economics in China.

Yulia Wan Vice President, Senior Analyst - Financial Institutions Group Moody's Investors Service

Yulia Wan is a Vice President, Senior Analyst with Moody’s Financial Institutions Group in Asia. Based in Shanghai, she is responsible for a portfolio of banks in Mainland China.

Yulia has over 10 years’ experience in researching and analyzing Chinese financial institutions, including through roles at Accenture Co, Ltd in Shanghai, Xinhua Finance and Royal Bank of Canada.

Yulia got Chartered Financial Analyst designation in 2003. She holds an MBA from the Richard Ivey School of Business, and a BA and MA from the University of International Business and Economics in Beijing.