David Dollar is a senior fellow in the China Center at the Brookings Institution. Previously he was U.S. Treasury's economic and financial emissary to China and World Bank Country Director for China.Yiping Huang is Jinguang Chair Professor of Economics and Finance at the National School of Development, and Director of the Institute of Digital Finance, Peking University. He was a former member of the People's Bank of China's Monetary Policy Committee. His current research interests include financial reform and fintech.Yang Yao is a Cheung-Kong Scholar and Boya Chair professor at the China Center for Economic Research (CCER) and the National School of Development (NSD), Peking University. He currently serves as the director of CCER, and the dean of NSD. His research interests include economic transition and development in China.