RESEARCHER INFO
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Associate Prof. Dr. Lim Chee Chee
UUM College of Business
Ekonomi,Kewangan dan Perbankan
cclim@uum.edu.my
6899
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RESEARCH PROFILE

Scopus ORCiD Research Gate Google Scholar

ACADEMIC QUALIFICATION

12005, PhD Actuarial Science, City University, London, United Kingdom
21995, Masters Pengurusan, Universiti Utara Malaysia, Universiti Utara Malaysia
31992, Bachelor Degree Pengurusan Perniagaan, UNIVERSITI UTARA MALAYSIA, Universiti Utara Malaysia

AWARD

1 7th Inspirational Scholar Symposium (ISS 2022), UUM UTLC, 2022, Antarabangsa
2 Outstanding Paper Award in The 3rd International Case Study Conference 2018, UUM IMBRe, 2018, Antarabangsa
3 Outstanding Paper Award in The 2nd International Case Study Conference 2017, UUM IMBRe & The Case Centre, UK, 2017, Antarabangsa
4 Best Paper Award in International Case Study Conference 2014, UUM IMBRe & The Case Centre, UK, 2014, Antarabangsa
5 Best Paper Award in National Case Study Conference 2013, UUM IMBRe & European Case Clearing House (ecch), 2013, Kebangsaan
6 Best Paper Award in the 1st Insurance and Takaful International Symposium 2013, The Malaysian Insurance Institute (MII) & Universiti Kebangsaan Malaysia (UKM), 2013, Antarabangsa

RECOGNITION

1 PANEL PENILAI,Reviewer of Manuscript,Kebangsaan,2018
2 PANEL PENILAI,Expert Review of Textbook on Introduction to FM,Kebangsaan,2020
3 PANEL PENILAI,Review of Personal Financial Planning Manuscript,Kebangsaan,2022
4 PANEL PENILAI,Reviewer of three book chapters (1, 4 & 5),Kebangsaan,2019
5 PANEL PENILAI,Reviewer of Manuscript,Kebangsaan,2018
6 PANEL PENILAI,Reviewer of Manuscript,Kebangsaan,2019
7 PANEL PENILAI,Reviewer of Manuscript,Kebangsaan,2019
8 FELO PENYELIDIK,Felo Penyelidik Kanan IRM,Universiti,2021
9 PANEL PENILAI,Penilai / Pengerusi - Proposal Prof Dr Noor Afza,Universiti,2022
10 PANEL PENILAI,Penilai / Pengerusi - Proposal Dr Salau,Universiti,2021
11 PANEL PENILAI,Reviewer of Conference Paper Sandcastle Resort,Universiti,2022
12 PANEL PENILAI,Reviewer of Conference Paper Maya Hotel,Universiti,2022
13 PANEL PENILAI,Penilai Laporan Akhir & Pengerusi Pembentangan,Universiti,2019
14 PANEL PENILAI,Penilai Laporan Akhir & Pengerusi Pembentangan,Universiti,2019
15 PANEL PENILAI,Penilai Laporan Akhir & Pengerusi Pembentangan,Universiti,2019
16 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2019
17 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2020
18 PANEL PENILAI,Penilai/Pengerusi - Proposal Dr Munirah Khamarudin,Universiti,2024
19 PANEL PENILAI,Penilai / Pengerusi - Laporan Akhir AP Dr Yaty,Universiti,2022
20 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2020
21 PANEL PENILAI,Evaluator of Conference Paper TC001 ICSC 2023,Universiti,2023
22 PANEL PENILAI,Penilai & Pengerusi Proposal Kajian Kes,Universiti,2017
23 PANEL PENILAI,Penilai & Pengerusi Laporan Kajian Kes,Universiti,2017
24 PANEL PENILAI,Panel Penilai VIVA VOCE,Universiti,2017
25 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2017
26 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2017
27 PANEL PENILAI,Panel Penilai Proposal Defence DBA Candidate,Universiti,2017
28 PANEL PENILAI,Penilai & Pengerusi Laporan Kajian Kes,Universiti,2017
29 PANEL PENILAI,Penilai & Pengerusi Laporan Kajian Kes,Universiti,2017
30 PANEL PENILAI,Penilai / Pengerusi - Proposal Dr Zaimah Abdullah,Universiti,2022
31 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2018
32 AHLI JAWATANKUASA,Felo Penyelidik di IMBRe,Universiti,2020
33 PANEL PENILAI,Penilai / Pengerusi - Laporan Akhir Dr Noor Aziah,Universiti,2021
34 AHLI PANEL,Ahli Panel Program Bual Bicara Siri Apa Kes (Ke-3),Universiti,2021
35 PANEL PENILAI,Penilai / Pengerusi - Laporan Akhir Dr Salau,Universiti,2022
36 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2020
37 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2020
38 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2020
39 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2018
40 PANEL PENILAI,Penilai Laporan Akhir & Pengerusi Pembentangan,Universiti,2019
41 PANEL PENILAI,Reviewer of Conference Paper,Universiti,2020
42 PANEL PENILAI,Reviewer of Conference Paper,Universiti,2020
43 PANEL PENILAI,Reviewer of Conference Paper ICSC 2021,Universiti,2021
44 MODERATOR,Moderator Parallel Session 3 ICSC 2021,Universiti,2021
45 PANEL PENILAI,Reviewer of Article submitted to JBMA,Universiti,2021
46 PANEL PENILAI,Penilai / Pengerusi - Proposal AP Dr Yaty Sulaiman,Universiti,2021
47 PANEL PENILAI,Penilai Laporan Akhir,Universiti,2019
48 PANEL PENILAI,Panel Penilai Kertas Pembentangan ICSC 2018,Universiti,2018
49 PANEL PENILAI,Panel Penilai Kertas Pembentangan ICSC 2018,Universiti,2018
50 PANEL PENILAI,Ahli Panel Penilai & Pengerusi Laporan Kajian Kes,Universiti,2018
51 PANEL PENILAI,Reviewer of Conference Paper,Universiti,2018
52 PANEL PENILAI,Penilai / Pengerusi - Proposal Dr Rosshairy Abdul,Universiti,2021
53 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2019
54 PANEL PENILAI,Reviewer Conference Paper (AP Dr Norhafiza Nordin),Universiti,2023
55 PANEL PENILAI,Penilai / Pengerusi - Proposal AP Dr Mohd Azril,Universiti,2021
56 PANEL PENILAI,Reviewer of Conference Paper,Universiti,2019
57 PANEL PENILAI,Penilai & Pengerusi Proposal Kajian Kes,Universiti,2019
58 PANEL PENILAI,Panel Penilai Geran Penjanaan Penyelidikan 2023,Universiti,2023
59 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2020
60 PANEL PENILAI,Penilai / Pengerusi - Laporan Akhir Dr Nor Intan,Universiti,2021
61 PANEL PENILAI,Penilai / Pengerusi - Proposal Dr Munirah,Universiti,2021
62 AHLI JAWATANKUASA,Felo Penyelidik,Universiti,2019
63 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2020
64 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Pusat Pengajian/Jabatan,2019
65 PANEL PENILAI,Penilai PhD Colloquium,Pusat Pengajian/Jabatan,2019
66 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Pusat Pengajian/Jabatan,2019
67 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Pusat Pengajian/Jabatan,2019
68 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Pusat Pengajian/Jabatan,2019
69 PANEL PENILAI,Penilai Laporan Akhir Penyelidikan (Dr Diara),Pusat Pengajian/Jabatan,2020
70 PANEL PENILAI,Panel Penilai Pembentangan Seminar (Dr Logasvathi),Pusat Pengajian/Jabatan,2020
71 PANEL PENILAI,Panel Penilai Mempertahankan Proposal PhD (Anas),Pusat Pengajian/Jabatan,2020
72 PANEL PENILAI,Panel Penilai Mempertahankan Proposal PhD (Tan),Pusat Pengajian/Jabatan,2020
73 PANEL PENILAI,Reviewer of Conference Paper - AP Dr Norhafiza,Pusat Pengajian/Jabatan,2022
74 PANEL PENILAI,Penilai Proposal Geran Kolej (Dr Aniza),Pusat Pengajian/Jabatan,2020
75 INTERNAL EXAMINER OF PHD CANDIDATE,Internal Examiner Viva (Mazen Ebrahim 901702),Pusat Pengajian/Jabatan,2023
76 PANEL PENILAI,Reviewer of Conference Paper - AP Dr Nora Azureen,Pusat Pengajian/Jabatan,2021
77 PEMERIKSA DALAMAN,Examiner of MSc Project Paper (Prathaban 828381),Pusat Pengajian/Jabatan,2023
78 FINANCIAL PLANNING,Internal Examiner for Phd Candidate (Viva) - Dauda,Pusat Pengajian/Jabatan,2018
79 PANEL PENILAI,Reviewer of Conference Paper - Dr Diara Md Jadi,Pusat Pengajian/Jabatan,2022
80 PANEL PENILAI,Reviewer of Conference Paper,Pusat Pengajian/Jabatan,2019
81 PANEL PENILAI,Penilai - Laporan Akhir Dr Md Shahin Mia,Pusat Pengajian/Jabatan,2021
82 PANEL PENILAI,Reviewer of Conference Paper - Dr Boo Hooi Laing,Pusat Pengajian/Jabatan,2021
83 PANEL PENILAI,Reviewer of Conference Paper,Pusat Pengajian/Jabatan,2019
84 PENCERAMAH,Penceramah Bengkel Penjanaan Geran IMBRe,Pusat Pengajian/Jabatan,2021
85 PANEL PENILAI,Penilai / Pengerusi - Laporan Akhir Dr Aniza,Pusat Pengajian/Jabatan,2022
86 PANEL PENILAI,Reviewer of Conference Paper,Kebangsaan,2018
87 REVIEWER,Penilai Manuskrip Kajian Kes (Vol 8),Universiti,2023
88 PANEL PENILAI,Penilai Laporan Akhir & Pengerusi Pembentangan,Universiti,2018
89 PANEL PENILAI,Penilai & Pengerusi Laporan Kajian Kes,Universiti,2017
90 PANEL PENILAI,Reviewer of Article submitted to IJBF,Universiti,2021
91 PANEL PENILAI,Penilai Laporan Akhir & Pengerusi Pembentangan,Universiti,2020
92 PANEL PENILAI,Penilai / Pengerusi - Final Report Dr Rosman,Universiti,2023
93 FELO BERSEKUTU,Felo Penyelidik Bersekutu Kanan IMBRe,Universiti,2021
94 PANEL PENILAI,Panel Penilai Mempertahankan Proposal PhD,Pusat Pengajian/Jabatan,2018
95 INSURAN/TAKAFUL,Internal Examiner for Phd Candidate (Viva) - Sajid,Pusat Pengajian/Jabatan,2018
96 PANEL PENILAI,Penilai Proposal & Pengerusi Pembentangan,Universiti,2017
97 PANEL PENILAI,Penilai & Pengerusi Laporan Kajian Kes,Universiti,2017
98 PANEL PENILAI,Penilai Proposal Kajian Kes dan Pengerusi,Universiti,2018

AREA OF EXPERTISE

Insurance
Risk Management
-

RESEARCH AREA

Insurance
Risk Management

OVERVIEW
I am a senior lecturer of the Department of Banking and Risk Management, School of Economics, Finance and Banking, College of Business, Universiti Utara Malaysia. I obtained my PhD from CASS Business School, City University, London. My main research areas are related to insurance and risk management.
PUBLICATION CHART
LIST OF PUBLICATION
Tahir Saeed Jagirani , Lim Chee Chee, Zunarni binti Kosim, (2023). Board Characteristics and Firm Value: The Moderating Role of Capital Adequacy. Investment Management and Financial Innovations, 20(2), 205 - 214.
Tahir Saeed Jagirani , Lim Chee Chee, Zunarni binti Kosim, (2023). Determinants of the Firm Value of Listed Banks in Pakistan: A Panel Data Approach. Asian Economic and Financial Review , 13(4), 241 - 250.
Tahir Saeed Jagirani , Lim Chee Chee, Zunarni binti Kosim, (2023). Relationship between Financial Risks and Firm Value: A Moderating Role of Capital Adequacy. Investment Management and Financial Innovations, 20(1), 293 - 303.
Ooi Sue Chern, Lim Chee Chee, Boo Hooi Laing, (2023). The Financial Impacts of Lease Capitalisation on an Airline’s Financial Reporting: A Case Study of Airasia Group Berhad. Management and Accounting Review, 22(2), 254 - 274.
Ooi Sue Chern, Lim Chee Chee, (2022). Examining the Use of Scaffolding Approach in Teaching Case Study: An Approach Towards Enhancing Students’ Critical Thinking and Problem-Solving Skills. Proceedings of the Inspirational Scholar Symposium (ISS) 2022, (), 180 - 191.
Ooi Sue Chern, Lim Chee Chee, (2022). Was the change in accounting standard favourable to the financial reporting of AirAsia? From IAS 17 Leases to IFRS 16 Leases. The CASE Journal, 18(6), 995 - 1015.
Lim Chee Chee, Ooi Sue Chern, Chung Muh Sha, (2022). Should the Financial Planner Advise His Client to Buy the Life Insurance Policy?. Proceedings of the 7th International Case Study Conference (ICSC), (), 1 - 5.
Lim Chee Chee, Ooi Sue Chern, (2022). A Review of Studies Examining Employee Turnover Intention. Conference Proceedings of the 8th Annual ECOFI Symposium 2022, (), 63 - 71.
Lim Chee Chee, (2021). Financial Planner Helping Client in Making Decision to Purchase Life Insurance . 6th International Case Study Conference (ICSC 2021) E-proceeding, (), 32 - 36.
Lim Chee Chee, Zunarni binti Kosim, (2020). Does Koperasi Angkatan Tentera Malaysia Bhd Meet Bank Safety and Soundness Criteria to Become a Co-operative Bank?. eProceedings of the 5th International Case Study Conference 2020, (), 1 - 9.
Sajid Mohy Ul Din , Angappan @ Chockalingam A/L Regupathi, Arpah bt. Abu Bakar, Lim Chee Chee, Zeeshan Ahmed, (2020). Insurance-growth nexus: a comparative analysis with multiple insurance proxies. Economic Research-Ekonomska Istraživanja, 33(1), 604 - 622.
Lim Chee Chee, TAN SUANG SIN , (2019). Demographic Profiling of Life Insurance Ownership in the Northern Regions of Malaysia. International Journal of Business and Society, 20(3), 1022 - 1035.
Lim Chee Chee, Dr. Wan Zarina bt. Wan Mahmud, (2018). UUM’s Winning Strategies in Dengue-Free Public University 2018 Competition. e-Proceedings of the 3rd International Case Study Conference (ICSC) 2018, (), 1 - 13.
Lim Chee Chee, (2017). Z-score Model in Predicting Corporate Financial Distress of PETONE. Proceedings of the 2nd International Case Study Conference (ICSC) 2017 , (), 1 - 19.
TAN SUANG SIN , Lim Chee Chee, (2017). The Relationship of Life Insurance Ownership with Demographic and Psychographic Factors: A Preliminary Study in Alor Setar, Kedah . International Journal of Business and Technopreneurship, 7(2), 117 - 134.
TAN SUANG SIN , Lim Chee Chee, (2017). A Preliminary Study on the Relationship between Psychographic Factors and the Purchase of Life Insurance. International Journal of Management Studies, 24(1), 1 - 22.
Lim Chee Chee, (2017). A Preliminary Perception Study Among Youths on Road Traffic Accidents and Domino Theory. Journal of Advanced Research in Social and Behavioural Sciences , 7(1), 68 - 76.
TAN SUANG SIN , Lim Chee Chee, (2016). Life Insurance Ownership and Demographic Background of Alor Setar City Folk in Kedah. International Postgraduate Business Journal , 8(2), 51 - 65.
Lim Chee Chee, (2015). Retirement Fund, Social Security and Family Support: Their Roles in Personal Financial Planning. e-Proceedings of the 2nd National Case Study Conference 2015, 1(), 1 - 14.
Lim Chee Chee, Shahrul Nizam B. Ahmad, (2015). Group Medical Takaful for Universiti Utara Malaysia (UUM) Staff in 2011. Emerald Emerging Markets Case Studies, 5(4), 1 - 10.
Lim Chee Chee, (2014). Penetration Rate of New Family Takaful Business and Per Capita Income of Malaysia. Proceedings Annual ECoFI Symposium 2014: Issues in Economics, Finance and Banking, 1(), 00 - 00.
Lim Chee Chee, (2013). Examining the New Purchase of Whole Life, Endowment and Temporary Insurance through Macro-level Demographic Factors: The Case of Malaysia . Procedia Social and Behavioral Sciences, 91(-), 306 - 315.
Lim Chee Chee, (2014). Penetration Rate of Life Insurance in Force and Per Capita Income of Malaysia. Insurance and Takaful Journal , 6(), 41 - 52.
Lim Chee Chee, (2014). A-Life Med Regular or A-Life Critical Care: Which to Purchase?. e-Proceedings International Case Study Conference: Sustainable Management Practices through Research and Innovative Learning, 1(), 23 - 32.
Lim Chee Chee, (2013). An Analysis of Life Insurance Demand and Macroeconomic Factors. PROSIDING SEMINAR HASIL PENYELIDIKAN SEKTOR PENGAJIAN TINGGI KE-3, II(), 908 - 919.
Lim Chee Chee, Rodziah binti Ahmad, (2013). Evaluating Insurance Claim of a Stolen Generator Set: Is First Takaful Liable?. National Case Study Conference (NCSC) 2013, 1(), 1 - 20.
Lim Chee Chee, (2012). Examining the New Purchase of Whole Life, Endowment and Temporary Insurance through Macro-Level Demographic Factors: The Case of Malaysia. Proceeding of The 2nd USM-PSU International Conference on Arts & Sciences 2012: Transforming Research for Sustainable Community, (), 314 - 322.
RESEARCH PIE
LIST OF RESEARCH
WHICH IS A BETTER OPTION FOR MADAM TAN: LIFE INSURANCE OR FIXED DEPOSIT? (2020), Leader, Universiti
DOES KOPERASI ANGKATAN TENTERA MALAYSIA BHD MEET BANK SAFETY AND SOUNDNESS CRITERIA TO BECOME A CO-OPERATIVE BANK? (2019), Leader, Universiti
MANAGING DENGUE IN UNIVERSITY CAMPUS: UUM'S EXPERIENCE (2018), Leader, Universiti
Z-SCORE MODEL IN PREDICTING CORPORATE FINANCIAL DISTRESS (2016), Leader, Universiti
The Determinants of Life Insurance Ownership: The Mediating Effect of Risk Perception (2016), Leader, Universiti
MANAGING PERSONAL FINANCIAL DISTRESS (2014), Leader, Universiti
RESEARCH ON REDUCING UNNECESSARY REGULATORY BURDEN ON BUSINESS IN NORTHERN REGION - PROFESSIONAL SERVICES, EDUCATION AND HEALTHCARE (2013), Member, Industri
EVALUATING INSURANCE CLAIM OF STOLEN GENERATOR SET: IS FIRST TAKAFUL LIABLE? (2012), Leader, Universiti
LIFE INSURANCE AND FAMILY TAKAFUL OWNERSHIP AMONG INCOME EARNERS IN MALAYSIA (2011), Member, Universiti
MODELLING THE DEMAND FOR LIFE INSURANCE IN MALAYSIA USING BOUNDS TEST (2007), Leader, Kpt
THE RELATIONSHIP OF MACROECONOMICS VARIABLES ON THE DEMAND FOR AND LAPSATION OF LIFE INSURANCE POLICIES IN MALAYSIA (2002), Leader, Universiti
CONSULTATION
Year Title Membership Funder Level Status
INTELLECTUAL PROPERTIES
Year Reference No IP Type Title of Inventor (Principal Inventor/Member) Status of IP
2021 20210321 Copyright Evaluating Insurance Claim of a Stolen Generator Set: Is First Takaful Liable? - ( PRINCIPAL INVENTOR ) FILED
2021 20210320 Copyright Managing Dengue In University Campus:UUM's Experience - ( PRINCIPAL INVENTOR ) FILED
2021 20210319 Copyright Z-Score Model In Predicting Corporate Financial Distress - ( PRINCIPAL INVENTOR ) FILED
2021 20210318 Copyright Managing Ahmad's Financial Distress - ( PRINCIPAL INVENTOR ) FILED
2021 20210314 Copyright Does Koperasi Angkatan Tentera Malaysia Bhd Meet Bank Safety and Soundness Criteria to Become a Co-operative Bank? - ( PRINCIPAL INVENTOR ) FILED
2013 20130015 Copyright Evaluating Insurance Claim of a Stolen Generator Set: Is First Takaful Liable? - ( PRINCIPAL INVENTOR ) FILED
UNDERGRADUATE
Course Code Course Name
WRR2033 Life and health insurance
WRR3033 Risk management
WX2016 Practicum
BWRR1013 Risk and insurance
SDG1021 Thinking skill
BWRX4908 Practicum
PW2013 Financial management i
PW3063 Insurance management
BWRR3033 Risk management
BWRR3073 Credit risk management
PW3023 Financial management ii
BWRR2033 Life and health insurance
PW3073 Real estate management
SDG3021 Patriotism and volunteerism
PW2123 Corporate finance ii
WRX3996 Practicum
WBX3016 Practical traning
WFF2013 Financial management i
SDG2011 Personal financial planning
BWRR3093 Risk management and insurance seminar
PW3103 Corporate finance
SDG3011 Management ethics
PW2113 Corporate finance i
BWRX3908 Practicum
SDG2031 Living in the multi-cultural society
PW1013 Fundamentals of finance
SDG2021 Entrepreneurship
SDG1031 Personal development and character building
VQ2223 Practicum
SDG1011 High touch communication
EEP2032 Living in the multi-cultural society
BWRR3063 Financial risk management
WFF2023 Financial management ii
WRX3016 Practical traning
PN1013 Principles of management
WFX3016 Practical traning
WRR3093 Risk management and insurance seminar
EEP1032 Personal development and character building
BWRR3043 Employee benefits management
WFX3996 Practicum
WRR2023 Property and liability insurance i
WRR3043 Employee benefits management
POSTGRADUATE
Course Code Course Name
BWRR5063 Risk and insurance
BWFM5013 Corporate finance
SUPERVISION
Matric Name Status Title
87232 Shahar Bin Kamaruddin Not Active The Health Insurance Role in Countering Rising Health Costs
88048 Batmanathan a/l Sadaram Not Active E-Insurans Dalam Pembangunan Masyarakat dan Ekonomi Malaysia
94688 TAN SUANG SIN Completed The Determinants of Life Insurance Ownership: The Mediating Effect of Risk Perception
825783 ODIH KELVIN NNAMDI Not Active INSURANCE INVESTMENT FUNDS AND ECONOMIC GROWTH IN NIGERIA: AN EMPIRICAL ANALYSIS (2000-2017)
901407 MUHAMMAD FAHEEM ARSHAD Not Active IMPACT OF LIQUIDITY RISK MANAGEMENT ON BANKRUPTCY
903564 Tahir Saeed Jagirani Not Active Impact of Board Gender Diversity and Board Independence on Banks Efficiency: A Case of Commercial Banks in Pakistan & Malaysia
903900 MUHAMMAD AKHTAR Not Active Saving and investment behavior in Pakistan: An empirical study on Southern Punjab's Peoples.
905581 ZOU YUN Not Active Research on the Development of Cross-border Commercial Insurance in ASEAN Countries under the Background of the Belt and Road
 
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