Professor of New-huadu Business School
Visiting Scholar of California State University
Ph.D.in Economics, Xi’an Jiaotong University

Biographical details

Professor Zhang,Huiru earns a doctorate in economics (Finance ) from the College of Economics and Finance in Xi’an JiaoTong University. She had once been teaching in Shaanxi Institute of Economics and Finance, Xi’an Jiaotong University. Now she is a Finance professor in New Huadu Business School.  As a visiting scholar, she had researched in the California State University (Fresno) in 2002-2003.

Education and experience

1981.09-1985.07  Bachelor of economics in Shaanxi Institute of Finance and Economics
1994.09-1997.07  Master of economics in Shaanxi Institute of Finance and Economics
2004.02-2007.11 Doctor of economics in Xi’an Jiaotong University.

Main research areas

Financial theories and financial markets

Teaching field

The principles of Economics, Money, banking and financial markets, International Finance

Scholarly articles

1.  International Practices and Reference of Warehouse Receipts Applied in Agricultural Financing. JOURNAL OF JIAYING UNIVERSITY. 2015(9)
2.  Successful Rural Microfinance Practices in other Countries and their Experience Adaptations. JOURNAL OF CONTEMPORARY ECONOMIC MANAGEMENT. 2014(11).
3.  Warehouse Receipts System: Innovation in Rural Financial Instruments. JOURNAL OF XIDIAN UNIVERSITY ( Social Science Edition), 2013(4).
4.  Value Chain Finance: A New Perspective of the Rural Financial Development,JOURNAL OF BEIJING UNIVERSITY OF TECHNOLOGY (Social Science Edition), 2013(6).
5.  Economic Analysis on the Operation Mechanism of Grameen Bank of Bangladesh. JOURNAL OF BEIJING UNIVERSITY OF TECHNOLOGY (Social Science Edition), 2012(3).
6.  Gap in Flexibility of Rural Financial Market: Theories and Empirical analysis. JOURNAL OF RURAL ECONOMY, 2012(7)
7.  Land Bank of the Philippines’ Successful Operation Strategy and Inspiration. JOURNAL OF XIDIAN UNIVERSITY ( Social Science Edition), 2011(6).
8.  Exploration on The Model Of Fostering the Applied Financial Specialist. JOURNAL OF VALUE ENGINEERING, 2010(9)
9.  Analysis on the Performance of Agricultural Expenditure of Public Finance. JOURNAL OF JIAYING UNIVERSITY( Philosophy & Social Sciences), 2009(1)
10. Analysis on Agricultural Expenditure of Public Finance in Fujian: Gross, Structure and Performance. JOURNAL OF SANMING UNIVERSITY, 2009(3)
11. Index-based Insurance Contract_ Innovation in Agricultural Insurance. JOURNAL OF CENTRAL UNIVERSITY OF FINANCE AND ECONOMICS. 2008(11)
12. An Empirical analysis of the Inadequacy in Rural Financial Market. JOURNAL OF AGRICULTURAL ECONOMICS, 2008(9).
13. Factors that Influence the Demand For Rural Financial Services. JOURNAL OF AGRICULTURAL ECONOMICS, 2008(8).
14. The Demand for Rural Financial Services: an Analysis on the Level of Rural Household. JOURNAL OF MINJIANG UNIVERSITY, 2008(3)
15. The Independent Profit Centre Reform Research, ECONOMY AND MANAGEMENT, 2008(5)
16. Research Advances in Rural Insurance in Developing Countries. JOURNAL OF XIDIAN UNIVERSITY (Social Science Edition), 2008(5).
17. Overseas Advances in Research on Rural Financial Market. JOURNAL OF FORCASTING, 2006(5)
18. A comparative research on three flagship rural financial institutions. JOURNAL OF PRODUCTIVITY RESEARCH, 2007(17)
19. Evaluation and Analysis on Insufficiency Gaps in Rural Financial Markets. JOURNAL OF MINJIANG UNIVERSITY, 2007(6)

Published works

1. Research on the Development of Rural Financial Markets. The Press of Fujianrenmin, 2007.
2. Financial Futures. The Press of Science ,2005