final version

patch for newtx v1.7 or later

.gitignore

@@ -11,6 +11,11 @@
 *.cb
 *.cb2
 .*.lb
+.DS_Store
+clean.bat
+elegant*-cn.pdf
+elegant*-en.pdf
+*.dates
 
 ## Intermediate documents:
 *.dvi

README.md

@@ -10,13 +10,20 @@
 ![Github Version](https://img.shields.io/github/release/ElegantLaTeX/ElegantPaper.svg)
 ![Repo Size](https://img.shields.io/github/repo-size/ElegantLaTeX/ElegantPaper.svg)
 
-ElegantPaper is designed for writing a working paper, especially for economics students. This template is based on the standard LaTeX article class. The goal of this template is to make the writing process easier and more comfortable. You can get rid of all the worries about the format. Just enjoy it! If you have any questions, suggestions or bug reports, you can create issues, pull requests or email us at elegantlatex2e@gmail.com.
+**Caution: This template will no longer be maintained since January 1st, 2023.**
 
+**注意：本模板自 2023 年 1 月 1 日开始，不再维护，不建议使用本系列模板！**
 
-此模板基于 LaTeX 的 article 类，专为工作论文写作而设计。设计这个模板的初衷是让作者不用关心工作论文的格式，专心写作，从而有更加舒适，简便的写作体验。如果你有其他问题、建议或者报告 bug，可以提交 issues 或者给我们发邮件：elegantlatex2e@gmail.com。
+ElegantPaper is designed for writing a working paper, especially for economics students. This template is based on the standard LaTeX article class. The goal of this template is to make the writing process easier and more comfortable. You can get rid of all the worries about the format. Just enjoy it! If you have any questions, suggestions or bug reports, you can create issues or email us at elegantlatex2e@gmail.com.
 
-# License
+此模板基于 LaTeX 的 article 类，专为工作论文写作而设计。设计这个模板的初衷是让作者不用关心工作论文的格式，专心写作，从而有更加舒适，简便的写作体验。如果你有其他问题、建议或者报告 bug，可以提交 issues 或者给我们发邮件：elegantlatex2e@gmail.com。用户 QQ 交流群（Q 群：692108391），欢迎加入。
+
+The official user guide is [here](https://github.com/ElegantLaTeX/ElegantPaper/releases), or you can refer to the [wiki](https://github.com/ElegantLaTeX/ElegantPaper/wiki).
+
+模板使用说明请参见[模板文档](https://github.com/ElegantLaTeX/ElegantPaper/releases)，或者 [wiki](https://github.com/ElegantLaTeX/ElegantPaper/wiki)。
+
+## License
 
 This work is released under the LaTeX Project Public License, v1.3c or later. 
 
-本模板发布遵循 LaTeX 项目公共许可证 1.3 c 或更高版本。 
+本模板发布遵循 LaTeX 项目公共许可证 1.3c 或更高版本。 

elegantpaper-cn.tex

@@ -1,226 +1,205 @@
 %!TEX program = xelatex
-\documentclass[lang=cn]{elegantpaper}
+% 完整编译: xelatex -> biber/bibtex -> xelatex -> xelatex
+\documentclass[lang=cn,a4paper,newtx]{elegantpaper}
 
 \title{ElegantPaper: 一个优美的 \LaTeX{} 工作论文模板}
-\author{\href{https://ddswhu.me/}{邓 东 升}\thanks{感谢 Peiyi Yao 的帮助与建议。}}
-
+\author{作者1 \\ 某某大学/机构 \and 作者2 \\ 某某大学/机构}
 \institute{\href{https://elegantlatex.org/}{Elegant\LaTeX{} 项目组}}
-\version{0.06}
-\date{\today}
 
+\version{0.11}
+\date{\zhdate{2022/12/31}}
+
+% 本文档命令
+\usepackage{array}
+\newcommand{\ccr}[1]{\makecell{{\color{#1}\rule{1cm}{1cm}}}}
+\addbibresource[location=local]{reference.bib} % 参考文献，不要删除
 
 \begin{document}
 
 \maketitle
 
 \begin{abstract}
-\noindent 本文为 \href{https://github.com/ElegantLaTeX/ElegantPaper/}{ElegantPaper} 的说明文档（中文）。此模板基于 \LaTeX{} 的 article 类，专为工作论文写作而设计。设计这个模板的初衷是让作者不用关心工作论文的格式，专心写作，从而有更加舒适，简便的写作体验。如果你有其他问题、建议或者报告 bug，可以在 \href{https://github.com/ElegantLaTeX/ElegantPaper/issues}{ElegantPaper/issues} 留言。如果你想了解更多由 Elegant\LaTeX{} 项目组设计的模板，请访问 \href{https://github.com/ElegantLaTeX/}{https://github.com/ElegantLaTeX/}。
+本文为 \href{https://github.com/ElegantLaTeX/ElegantPaper/}{ElegantPaper} 的说明文档。此模板基于 \LaTeX{} 的 article 类，专为工作论文写作而设计。设计这个模板的初衷是让作者不用关心工作论文的格式，专心写作，从而有更加舒心的写作体验。如果你有其他问题、建议或者报告 bug，可以在 \href{https://github.com/ElegantLaTeX/ElegantPaper/issues}{GitHub::ElegantPaper/issues} 留言。如果你想了解更多 Elegant\LaTeX{} 项目组设计的模板，请访问 \href{https://github.com/ElegantLaTeX/}{GitHub::ElegantLaTeX}。
 \keywords{Elegant\LaTeX{}，工作论文，模板}
 \end{abstract}
 
-\section{模板介绍}
+\section{模板使用须知}
+
+\textcolor{red}{\bfseries 本模板自 2023 年 1 月 1 日开始，不再维护，不建议使用本系列模板！为了保证之前版本的用户仍然能查到说明文档，本说明文档仍然保留过去的信息。}
+
+\subsection{注意事项}
+\textbf{文献部分}：我们将 bibtex 的默认文献编译方式改为 biblatex，不过我们也提供了两个后端，\lstinline{bibend=biber} 和 \lstinline{bibend=bibtex}。特别需要注意的是从 0.10 开始，文献文件改为 \lstinline{reference.bib}，与 ElegantBook 保持一致，而参考文献的引文样式等更多格式，请参考后文参考文献部分，更多样式可以参考 biblatex 文档。 
+
+\textbf{字体部分}，我们将 newtxtext 宏包的支持方式改为了字体名称设定方式，设定英文字体为 TeX Gyre Terms/Heros，英文字体部分，根据编译方式选择不同字体。对于一般用户而言，不太需要关心这部分内容。
+
+另外，中文请务必使用 \hologo{XeLaTeX} 编译。
+
+\subsection{模板介绍}
+
+此模板基于 \LaTeX{} 的标准文类 article 设计，所以 article 文类的选项也能传递给本模板，比如 \lstinline{a4paper, 11pt} 等等。
+
+\begin{lstlisting}
+\documentclass[a4paper,11pt]{elegantpaper}
+\end{lstlisting}
+
+\textbf{注意}：Elegant\LaTeX{} 系列模板已经全部上传至 \href{https://www.overleaf.com/latex/templates/elegantpaper-template/yzghrqjhmmmr}{Overleaf} 上，用户可以在线使用。另外，为了方便国内用户，模板也已经传至\href{https://gitee.com/ElegantLaTeX/ElegantPaper}{码云}。
+
 
-此模板是基于 \LaTeX{} 的标准文档类设计，也即意味着你可以在在文类选项使用文档（article）类型的选项，比如 \lstinline{a4paper, 12pt} 等等。本模板支持 \lstinline{PDFLaTeX} 和 \lstinline{XeLaTeX} 两种编译方式。
-      
 \subsection{全局选项}
-我在这个模板中定义了一个语言选项 \lstinline{lang}，可以选择英文模式 \lstinline{lang=en}（默认）或者中文模式 \lstinline{lang=cn}。当选择中文模式时，图表的标题引导词以及参考文献，定理引导词等信息会变成中文。你可以通过下面两种方式来选择语言模式：
+此模板定义了一个语言选项 \lstinline{lang}，可以选择英文模式 \lstinline{lang=en}（默认）或者中文模式 \lstinline{lang=cn}。当选择中文模式时，图表的标题引导词以及参考文献，定理引导词等信息会变成中文。你可以通过下面两种方式来选择语言模式：
 \begin{lstlisting}
-\documentclass[lang=cn]{elegantpaper}
-\documentclass{cn}{elegantpaper} % 两者皆可
+\documentclass[lang=cn]{elegantpaper} % or
+\documentclass[cn]{elegantpaper} 
 \end{lstlisting}
 
-\subsection{字体设置}
-\subsubsection[选择 PDFLaTeX 编译]{选择 \lstinline{PDFLaTeX} 编译}
-如果你使用 \lstinline{PDFLaTeX} 编译，默认的 Computer Modern 字体被换成了 \lstinline{newtx} 系列字体，默认的字体字号是 11 pt。关于字体设置的宏包主要用到了：
-\begin{itemize}
-	\item \lstinline{newtxtext} 用于文档正文字体，类似于 Times New Roman 字体。
-	\item \lstinline{newtxmath} 用于数学字体，搭配 \lstinline{newtx} 非常合适，类似于过时的 \lstinline{times} 宏包的效果。
-	\item \lstinline{FiraMono} 用于打字机字体，并使用了 \lstinline{scale=0.7} 选项。
-	\item \lstinline{ctex} 用于中文字体设置，并使用了 \lstinline{scheme=plain} 选项。
-\end{itemize}
-
-\subsubsection[选择 XeLaTeX 编译]{选择 \lstinline{XeLaTeX} 编译}
-如果你选择 \lstinline{XeLaTeX} 编译的话，那么设置字体的宏包为 \lstinline{fontspec} 和 \lstinline{xeCJK}。由于模板中使用的字体是 Windows 中的字体，所以如果你使用其他操作系统，比如 Linux 或者 Mac OS，那么你需要把所用字体替换为你系统中的字体。设置字体的命令：
-
+\textbf{注意：} 英文模式下，由于没有添加中文宏包，无法输入中文。如果需要输入中文，可以通过在导言区引入中文宏包 \lstinline{ctex} 或者加入 \lstinline{xeCJK} 宏包后自行设置字体。 
 \begin{lstlisting}
-\RequirePackage{fontenc}
-\RequirePackage[no-math]{fontspec}
-\setmainfont{Times New Roman}[NFSSFamily=ntxtlf]
-\setsansfont{Arial}
-%\setmonofont[Scale=0.7]{Courier New}
-\RequirePackage{xeCJK}
-\RequirePackage{xunicode}
-\setCJKmainfont[BoldFont={SimHei},ItalicFont={KaiTi}]{SimSun}
-\setCJKsansfont[BoldFont={SimHei},ItalicFont={KaiTi}]{KaiTi}
-\setCJKmonofont[BoldFont={SimHei},ItalicFont={KaiTi},Scale=0.7]{Microsoft YaHei}
-\XeTeXlinebreaklocale "zh"
-\XeTeXlinebreakskip = 0pt plus 1pt minus 0.1pt
-\RequirePackage{newtxmath}
+\usepackage[UTF8,scheme=plain]{ctex}
 \end{lstlisting}
 
-\subsubsection{其他设置}
+\subsection{数学字体选项}
 
-这几个包由于都是一个系列的，字体搭配起来非常合适，字体宽度非常契合！唯独数学字体中的大型运算符，比如求和符号和积分符号不是很好看，为此，我把它们又改回了原先的字体效果。公式~(\ref{eq:binom}) 展示了最终的数学字体的效果。
-\begin{equation}
-(a+3b)^{n} = \sum_{k=0}^{n} C_{n}^{k} a^{n-k} (3b)^k \label{eq:binom}
-\end{equation}
+本模板定义了一个数学字体选项（\lstinline{math}），可选项有三个：
+\begin{enumerate}
+  \item \lstinline{math=cm}（默认），使用 \LaTeX{} 默认数学字体（推荐，无需声明）；
+  \item \lstinline{math=newtx}，使用 \lstinline{newtxmath} 设置数学字体（潜在问题比较多）。
+  \item \lstinline{math=mtpro2}，使用 \lstinline{mtpro2} 宏包设置数学字体，要求用户已经成功安装此宏包。
+\end{enumerate}
+
+\subsection{中文字体选项}
+
+模板提供中文字体选项 \lstinline{chinesefont}，可选项有
+\begin{enumerate}
+  \item \lstinline{ctexfont}：默认选项，使用 \lstinline{ctex} 宏包根据系统自行选择字体，可能存在字体缺失的问题，更多内容参考 \lstinline{ctex} 宏包\href{https://ctan.org/pkg/ctex}{官方文档}\footnote{可以使用命令提示符，输入 \lstinline{texdoc ctex} 调出本地 \lstinline{ctex} 宏包文档}。
+  \item \lstinline{founder}：方正字体选项（\textbf{需要安装方正字体}），后台调用 \lstinline{ctex} 宏包并且使用 \lstinline{fontset=none} 选项，然后设置字体为方正四款免费字体，方正字体下载注意事项见后文，用户只需要安装方正字体即可使用该选项。
+  \item \lstinline{nofont}：后台会调用 \lstinline{ctex} 宏包并且使用 \lstinline{fontset=none} 选项，不设定中文字体，用户可以自行设置中文字体，具体见后文。
+\end{enumerate}
+
+\subsubsection{方正字体选项}
+由于使用 \lstinline{ctex} 宏包默认调用系统已有的字体，部分系统字体缺失严重，因此，用户希望能够使用其它字体，我们推荐使用方正字体。方正的{\songti 方正书宋}、{\heiti 方正黑体}、{\kaishu 方正楷体}、{\fangsong 方正仿宋}四款字体均可免费试用，且可用于商业用途。用户可以自行从\href{http://www.foundertype.com/}{方正字体官网}下载此四款字体，在下载的时候请\textbf{务必}注意选择 GBK 字符集，也可以使用 \href{https://www.latexstudio.net/}{\LaTeX{} 工作室}提供的\href{https://pan.baidu.com/s/1BgbQM7LoinY7m8yeP25Y7Q}{方正字体，提取码为：njy9} 进行安装。安装时，{\kaishu Win 10 用户请右键选择为全部用户安装，否则会找不到字体。}
+
+\begin{figure}[!htb]
+\centering
+\includegraphics[width=0.9\textwidth]{founder.png}
+\end{figure}
+
+\subsubsection{其他中文字体}
+如果你想完全自定义字体\footnote{这里仍然以方正字体为例。}，你可以选择 \lstinline{chinesefont=nofont}，然后在导言区设置即可，可以参考下方代码：
+\begin{lstlisting}
+\setCJKmainfont[BoldFont={FZHei-B01},ItalicFont={FZKai-Z03}]{FZShuSong-Z01}
+\setCJKsansfont[BoldFont={FZHei-B01}]{FZKai-Z03}
+\setCJKmonofont[BoldFont={FZHei-B01}]{FZFangSong-Z02}
+\setCJKfamilyfont{zhsong}{FZShuSong-Z01}
+\setCJKfamilyfont{zhhei}{FZHei-B01}
+\setCJKfamilyfont{zhkai}[BoldFont={FZHei-B01}]{FZKai-Z03}
+\setCJKfamilyfont{zhfs}[BoldFont={FZHei-B01}]{FZFangSong-Z02}
+\newcommand*{\songti}{\CJKfamily{zhsong}}
+\newcommand*{\heiti}{\CJKfamily{zhhei}}
+\newcommand*{\kaishu}{\CJKfamily{zhkai}}
+\newcommand*{\fangsong}{\CJKfamily{zhfs}}
+\end{lstlisting}
 
-我把行距设定为 1.3，并且使用了 \lstinline{microtype} 宏包调整字体的间距，为了去除字体字号，字形警告信息，我使用了 \lstinline{type1cm} 宏包。
 
 
 \subsection{自定义命令}
-在此模板中，并没有修改任何默认的命令或者环境，所以，你可以在此模板使用原来的命令和环境。另外，我自定义了 3 个命令：
-
+此模板并没有修改任何默认的 \LaTeX{} 命令或者环境\footnote{目的是保证代码的可复用性，请用户关注内容，不要太在意格式，这才是本工作论文模板的意义。}。另外，本模板可以使用的 4 个额外命令：
 \begin{enumerate}
-	\item \lstinline{\email}：创建邮箱地址的链接；
-	\item \lstinline{\figref}：用法和 \lstinline{\ref} 类似，但是会在插图的标题前添加 <\textbf{图 n}> ；
-	\item \lstinline{\tabref}：用法和 \lstinline{\ref} 类似，但是会在表格的标题前添加 <\textbf{表 n}>；
-	\item \lstinline{\keywords}：为摘要环境添加关键词。
+  \item \lstinline{\email}：创建邮箱地址的链接，比如 \email{xxx@outlook.com}；
+  \item \lstinline{\figref}：用法和 \lstinline{\ref} 类似，但是会在插图的标题前添加 <\textbf{图 n}> ；
+  \item \lstinline{\tabref}：用法和 \lstinline{\ref} 类似，但是会在表格的标题前添加 <\textbf{表 n}>；
+  \item \lstinline{\keywords}：为摘要环境添加关键词。
+\end{enumerate}
+
+\subsection{参考文献}
+
+文献部分，本模板调用了 biblatex 宏包，并提供了 biber（默认） 和 bibtex 两个后端选项，可以使用 \lstinline{bibend} 进行修改：
+
+\begin{lstlisting}
+  \documentclass[bibtex]{elegantpaper}
+  \documentclass[bibend=bibtex]{elegantpaper}
+\end{lstlisting}
+
+关于文献条目（bib item），你可以在谷歌学术，Mendeley，Endnote 中取，然后把它们添加到 \lstinline{reference.bib} 中。在文中引用的时候，引用它们的键值（bib key）即可。
+
+为了方便文献样式修改，模板引入了 \lstinline{bibstyle} 和 \lstinline{citestyle} 选项，默认均为数字格式（numeric），参考文献示例：\cite{cn1,en2,en3} 使用了中国一个大型的 P2P 平台（人人贷）的数据来检验男性投资者和女性投资者在投资表现上是否有显著差异。
+
+如果需要设置为国标 GB7714-2015，需要使用：
+\begin{lstlisting}
+  \documentclass[citestyle=gb7714-2015, bibstyle=gb7714-2015]{elegantpaper} 
+\end{lstlisting}
+
+如果需要添加排序方式，可以在导言区加入
+\begin{lstlisting}
+  \ExecuteBibliographyOptions{sorting=ynt}
+\end{lstlisting}
+
+启用国标之后，可以加入 \lstinline{sorting=gb7714-2015}。
+
+
+\section{使用 newtx 系列字体}
+
+如果需要使用原先版本的 \lstinline{newtx} 系列字体，可以通过显示声明数学字体：
+
+\begin{lstlisting}
+\documentclass[math=newtx]{elegantpaper}
+\end{lstlisting}
+
+\subsection{连字符}
+
+如果使用 \lstinline{newtx} 系列字体宏包，需要注意下连字符的问题。
+\begin{equation}
+  \int_{R^q} f(x,y) dy.\emph{of\kern0pt f}
+\end{equation}
+
+\begin{lstlisting}
+\begin{equation}
+  \int_{R^q} f(x,y) dy.\emph{of \kern0pt f}
+\end{equation}
+\end{lstlisting}
+
+\subsection{宏包冲突}
+
+有用户反馈模板在使用 \lstinline{yhmath} 以及 \lstinline{esvect} 等宏包时会报错：
+\begin{lstlisting}
+LaTeX Error:
+   Too many symbol fonts declared.
+\end{lstlisting}
+
+原因是在使用 \lstinline{newtxmath} 宏包时，重新定义了数学字体用于大型操作符，达到了 {\heiti 最多 16 个数学字体} 的上限，在调用其他宏包的时候，无法新增数学字体。为了减少调用非常用宏包，在此给出如何调用 \lstinline{yhmath} 以及 \lstinline{esvect} 宏包的方法。
+
+请在 \lstinline{elegantpaper.cls} 内搜索 \lstinline{yhmath} 或者 \lstinline{esvect}，将你所需要的宏包加载语句\textit{取消注释}即可。
+
+
+\section{常见问题 FAQ}
+
+\begin{enumerate}[label=\arabic*).]
+  \item \textit{如何删除版本信息？}\\
+    导言区不写 \lstinline|\version{x.xx}| 即可。
+  \item \textit{如何删除日期？}\\
+    需要注意的是，与版本 \lstinline{\version} 不同的是，导言区不写或注释 \lstinline{\date} 的话，仍然会打印出当日日期，原因是 \lstinline{\date} 有默认参数。如果不需要日期的话，日期可以留空即可，也即 \lstinline|\date{}|。
+  \item \textit{如何获得中文日期？}\\
+    为了获得中文日期，必须在中文模式下\footnote{英文模式下，由于未加载中文宏包，无法输入中文。}，使用 \lstinline|\date{\zhdate{2019/10/11}}|，如果需要当天的汉化日期，可以使用 \lstinline|\date{\zhtoday}|，这两个命令都来源于 \href{https://ctan.org/pkg/zhnumber}{\lstinline{zhnumber}} 宏包。
+  \item \textit{如何添加多个作者？}\\
+    在 \lstinline{\author} 里面使用 \lstinline{\and}，作者单位可以用 \lstinline{\\} 换行。
+    \begin{lstlisting}
+    \author{author 1\\ org. 1 \and author 2 \\ org. 2 }
+    \end{lstlisting}
+  \item \textit{如何添加中英文摘要？}\\
+    请参考 \href{https://github.com/ElegantLaTeX/ElegantPaper/issues/5}{GitHub::ElegantPaper/issues/5}
 \end{enumerate}
 
 
+\section{致谢}
 
-\subsection{列表环境}
-你可以使用列表环境（\lstinline{itemize}、\lstinline{enumerate}、\lstinline{description}），示例如下：\\[2ex]
-\begin{minipage}[c]{0.51\linewidth}
-\begin{lstlisting}
-\begin{itemize}
-	\item 春花秋月何时了, 往事知多少? 
-	\item 小楼昨夜又东风, 故国不堪回首月明中。
-	\item 雕栏玉砌应犹在, 只是朱颜改。
-	\item 问君能有几多愁?恰似一江春水向东流。
-\end{itemize}
-\end{lstlisting}
-\end{minipage}
-\begin{minipage}[c]{0.48\linewidth}
-\begin{itemize}
-	\item 春花秋月何时了, 往事知多少? 
-	\item 小楼昨夜又东风, 故国不堪回首月明中。
-	\item 雕栏玉砌应犹在, 只是朱颜改。
-	\item 问君能有几多愁?恰似一江春水向东流。
-\end{itemize}
-\end{minipage}
+特别感谢 \href{https://github.com/sikouhjw}{sikouhjw} 和 \href{https://github.com/syvshc}{syvshc}  长期以来对于 Github 上 issue 的快速回应，以及各个社区论坛对于 ElegantLaTeX 相关问题的回复。特别感谢 ChinaTeX 以及 \href{http://www.latexstudio.net/}{LaTeX 工作室} 对于本系列模板的大力宣传与推广。
 
+如果你喜欢我们的模板，你可以在 Github 上收藏我们的模板。
 
+\nocite{*}
+\printbibliography[heading=bibintoc, title=\ebibname]
 
-
-\subsection{插图}
-插图的命令和以前一样，也是使用 \lstinline{figure} 环境。\figref{fig:scatter} 显示了插图的效果。你可以把你的图放到当前工作目录的如下子目录下 (\lstinline{./image/}, \lstinline{./img/}, \lstinline{./figure/}, \lstinline{./fig/})。
-
-\begin{lstlisting}
-% 如果要使抄录环境显示中文，必须用 XeLaTeX，而不能用 PDFLaTeX
-% 这是由于 lstlisting 和 ctex 的问题
-\begin{figure}[htbp]
-	\centering
-	\includegraphics[width=0.6\textwidth]{scatter.pdf}
-	\caption{散点图示例\label{fig:scatter}} 
-\end{figure}
-\end{lstlisting}
-
-\begin{figure}[htbp]
-	\centering
-	\includegraphics[width=0.6\textwidth]{scatter.pdf}
-	\caption{散点图示例\label{fig:scatter}}
-\end{figure}
-
-
-\subsection{表格}
-我强烈建议你使用 \lstinline{booktabs} 宏包，这个宏包有三个命令 \lstinline{\toprule}、\lstinline{\midrule} 和 \lstinline{\bottomrule} 能方便你制作三线表。\tabref{tab:reg} 是一个示例：
-
-\begin{lstlisting}
-\begin{table}[htbp]
-  \small
-  \centering
-  \caption{燃油效率与汽车价格}
-    \begin{tabular}{lcc}
-    \toprule
-                    &       (1)         &        (2)      \\
-    \midrule
-    燃油效率        &    -238.90***     &      -49.51     \\
-                    &     (53.08)       &      (86.16)    \\
-    汽车重量        &                   &        1.75***  \\
-                    &                   &       (0.641)   \\
-    常数项          &  11,253***        &    1,946       \\
-                    &  (1,171)          &   (3,597)      \\
-    观测数          &      74           &       74       \\
-    $R^2$           &       0.220       &        0.293   \\
-    \bottomrule
-    \multicolumn{3}{l}{\scriptsize 括号内为标准误} \\
-    \multicolumn{3}{l}{\scriptsize *** p<0.01, ** p<0.05, * p<0.1} \\
-    \end{tabular}%
-  \label{tab:reg}%
-\end{table}%
-\end{lstlisting}
-
-\begin{table}[htbp]
-  \small
-  \centering
-  \caption{燃油效率与汽车价格}
-    \begin{tabular}{lcc}
-    \toprule
-                    &       (1)         &        (2)      \\
-    \midrule
-    燃油效率        &    -238.90***     &      -49.51     \\
-                    &     (53.08)       &      (86.16)    \\
-    汽车重量        &                   &        1.75***  \\
-                    &                   &       (0.641)   \\
-    常数项          &  11,253***        &    1,946       \\
-                    &  (1,171)          &   (3,597)      \\
-    观测数          &      74           &       74        \\
-    $R^2$           &       0.220       &        0.293    \\
-    \bottomrule
-    \multicolumn{3}{l}{\scriptsize 括号内为标准误} \\
-    \multicolumn{3}{l}{\scriptsize *** p<0.01, ** p<0.05, * p<0.1} \\
-    \end{tabular}%
-  \label{tab:reg}%
-\end{table}%
-
-
-\subsection{参考文献}
-此模板使用了 Bib\TeX{} 来生成参考文献，默认使用的文献样式（bib style）是 \lstinline{aer}。参考文献示例：~\cite{Chen2018} 使用了中国一个大型的 P2P 平台（人人贷）的数据来检验男性投资者和女性投资者在投资表现上是否有显著差异。
-
-你可以在谷歌学术，Mendeley，Endnote 中获得文献条目（bib item），然后把它们添加到 \lstinline{wpref.bib} 中。在文中引用的时候，引用它们的键值（bib key）即可。注意需要在编译的过程中添加 Bib\TeX{} 编译。如果你想在参考文献中添加未引用的文献，可以使用
-
-\begin{lstlisting}
-\nocite{EINAV2010, Havrylchyk2018} 
-\end{lstlisting}
-
-\section{示例}
-在这部分，我提供一个示例文档：
-
-\begin{lstlisting}
-\documentclass[lang=cn]{elegantpaper}
-
-% 标题信息
-\title{工作论文示例展示}
-\author{ddswhu} 
-\institute{Elegant\LaTeX{} 项目组}
-\version{1.00}
-\date{\today}
-
-\begin{document}
-
-\maketitle
-
-\begin{abstract}
-在这里写摘要。
-\keywords{关键词1，关键词2}
-\end{abstract}
-
-\section{引言}
-这一部分是引言的内容。
-
-\section{结论}
-这是结论部分。
-
-% 在参考文献部分显示未引用的文献
-\nocite{ref1, ref2}
-% 生成参考文献
-\bibliography{wpref}
-\end{document}
-\end{lstlisting}
-
-\nocite{EINAV2010,Havrylchyk2018} 
-\bibliography{wpref}
+\appendix
+%\appendixpage
+\addappheadtotoc
 
 \end{document}

elegantpaper-en.tex

@@ -1,213 +1,158 @@
 %!TEX program = pdflatex
-\documentclass[en]{elegantpaper}
+% Full chain: pdflatex -> biber/bibtex -> pdflatex -> pdflatex
+\documentclass[11pt,en]{elegantpaper}
 
 \title{ElegantPaper: An Elegant \LaTeX{} Template for Working Papers}
-\author{\href{https://ddswhu.me/}{Dongsheng Deng}\thanks{Thanks Peiyi Yao for good  suggestions.}}
+\author{Author1 \\ Institute1 \and Author2 \\ Institute2}
 \institute{\href{https://github.com/ElegantLaTeX}{Elegant\LaTeX{} Program}}
-\version{0.06}
-\date{\today}
 
+\version{0.11}
+\date{Dec. 31, 2022}
 
+% cmd for this doc
+\usepackage{array}
+\newcommand{\ccr}[1]{\makecell{{\color{#1}\rule{1cm}{1cm}}}}
+
+\addbibresource[location=local]{reference.bib} % reference file
 \begin{document}
 
 \maketitle
 
 \begin{abstract}
-\noindent This paper illustrates the usage of the \href{https://github.com/ElegantLaTeX/ElegantPaper}{ElegantPaper} template, which is designed for writing a working paper. This template is based on the standard \LaTeX{} article class. The goal of this template is to make the writing process easier and more comfortable. You can get rid of all the worries about the format. Just enjoy it! If you have any questions, suggestions or bug reports, you can visit \href{https://github.com/ElegantLaTeX/ElegantPaper/issues}{ElegantPaper/issues}. Looking for other templates designed by Elegant\LaTeX{} Group? Please visit: \href{https://github.com/ElegantLaTeX}{https://github.com/ElegantLaTeX}.\par
+This documentation illustrates the usage of the \href{https://github.com/ElegantLaTeX/ElegantPaper}{ElegantPaper} template. This template is based on the standard \LaTeX{} article class, which is designed for working paper writing. With this template, you can get rid of all the worries about the format and merely focus on writing. For any question, please leave a message on \href{https://github.com/ElegantLaTeX/ElegantPaper/issues}{GitHub::ElegantPaper/issues}. Want to know more about Elegant\LaTeX{} Templates? Please visit: \href{https://github.com/ElegantLaTeX}{https://github.com/ElegantLaTeX}.\par
 \keywords{Elegant\LaTeX{}, Working Paper, Template}
 \end{abstract}
 
+\textcolor{red}{\bfseries Caution: This template will no longer be maintained since January 1st, 2023.}
+
+\section*{Update Notes}
+
+This version changes two important parts: fonts and bibliography.
+
+\textbf{Fonts}: Due to the newtx package updates, we change the font settings for all the templates of ElegantLaTeX. Under \hologo{XeLaTeX}, we use \lstinline{fontspec} package  to set the font to TeX Gyre Terms/Heros. 
+
+\textbf{Bibliography}: The bib file is no longer \lstinline{wpref.bib}, it's same with ElegantBook bibfile, \lstinline{reference.bib}. Besides, we use biblatex/biber rather than bibtex to handler bibliography, you can use bibstyle and citestyle to set the styles. For convenience, we offer a \lstinline{bibend} option, which can take values of \lstinline{biber} (default) and \lstinline{bibtex}, please refer to Bibliography section and biblatex package document for more information.
 
 \section{Introduction}
 
-This template is based on the standard \LaTeX{} article class, which means you can pass the arguments of article class to it (\lstinline{a4paper}, \lstinline{12pt} and etc.). It supports different engines, You can choose either \lstinline{PDFLaTeX} or \lstinline{XeLaTeX}. 
+This template is based on the standard \LaTeX{} article class, hence the arguments of article class are acceptable (\lstinline{a4paper}, \lstinline{10pt} and etc.). Alternative engines are \hologo{pdfLaTeX} and \hologo{XeLaTeX}.
+
+\begin{lstlisting}
+\documentclass[a4paper,11pt]{elegantpaper}
+\end{lstlisting}
+\textbf{Note:} ElegantPaper is available on  \href{https://www.overleaf.com/latex/templates/elegantpaper-template/yzghrqjhmmmr}{Overleaf} and \href{https://gitee.com/ElegantLaTeX/ElegantPaper}{gitee}.
 
 \subsection{Global Options}
-I defined one option named \lstinline{lang}, this option has two alternative values, \lstinline{lang=en} (default) or \lstinline{lang=cn}. \lstinline{lang=cn} will make the caption of figure/table, abstract name, refname etc. Chinese, while \lstinline{lang=en} will keep all these stuff English, as the default article class sets. You can use this option as
-
+Language mode option \lstinline{lang} allows two alternative inputs, \lstinline{lang=en} (default)  for English or \lstinline{lang=cn} for Chinese. \lstinline{lang=cn} will make the caption of figure/table, abstract name, refname etc. Chinese. You can use this option as
 \begin{lstlisting}
-\documentclass[lang=en]{elegantpaper}
-\documentclass{en}{elegantpaper} % both ok
+\documentclass[lang=cn]{elegantpaper} % or
+\documentclass[cn]{elegantpaper} 
+\end{lstlisting}
+\textbf{Note:} Under the English mode \lstinline{lang=en}, Chinese characters are not allowed. To type in Chinese, please load  \lstinline{ctex} or \lstinline{xeCJK} package at the preamble as:
+\begin{lstlisting}
+\usepackage[UTF8,scheme=plain]{ctex}
 \end{lstlisting}
 
-\subsection{Font Settings}
-\subsubsection[Compile with PDFLaTeX]{Compile with \lstinline{PDFLaTeX}}
-If you choose \lstinline{PDFLaTeX} to process your paper, the default article font computer modern has changed to \lstinline{newtx} series, and the default font size is set to \lstinline{11pt}. The fonts are settings with:
-\begin{itemize}
-	\item \lstinline{newtxtext} package for text fonts, similar to times new roman font.
-	\item \lstinline{newtxmath} package for math fonts, close to \lstinline{times} package.
-	\item \lstinline{FiraMono} package for typewriter fonts, with option \lstinline{scale=0.7}.
-	\item \lstinline{ctex} package for Chinese fonts, with option \lstinline{scheme=plain}.
-\end{itemize}
+\subsection{Math Fonts}
 
-\subsubsection[Compile with XeLaTeX]{Compile with \lstinline{XeLaTeX}}
-If you choose \lstinline{XeLaTeX} to process your paper, I use \lstinline{fontspec} package and \lstinline{xeCJK} package. I used fonts available in Windows, if you are using Linux or Mac OS, please substitute these fonts with that of your system. The font setting part
+This template defines a new option (\lstinline{math}), with three options:
 
-\begin{lstlisting}
-\RequirePackage{fontenc}
-\RequirePackage[no-math]{fontspec}
-\setmainfont{Times New Roman}[NFSSFamily=ntxtlf]
-\setsansfont{Arial}
-%\setmonofont[Scale=0.7]{Courier New}
-\RequirePackage{xeCJK}
-\RequirePackage{xunicode}
-\setCJKmainfont[BoldFont={SimHei},ItalicFont={KaiTi}]{SimSun}
-\setCJKsansfont[BoldFont={SimHei},ItalicFont={KaiTi}]{KaiTi}
-\setCJKmonofont[BoldFont={SimHei},ItalicFont={KaiTi},Scale=0.7]{Microsoft YaHei}
-\XeTeXlinebreaklocale "zh"
-\XeTeXlinebreakskip = 0pt plus 1pt minus 0.1pt
-\RequirePackage{newtxmath}
-\end{lstlisting}
+\begin{enumerate}
+  \item \lstinline{math=cm} (default), use \LaTeX{} default math font (recommended).
+  \item \lstinline{math=newtx}, use \lstinline{newtxmath} math font (may bring about bugs).
+  \item \lstinline{math=mtpro2}, use \lstinline{mtpro2} package to set math font.
+\end{enumerate}
 
-\subsubsection{Other Settings}
-These packages operate perfectly but are inappropriate for big operators, for example \lstinline{\sum} and \lstinline{\prod}, thus, I change these operators back to computer modern font. Equation~\eqref{eq:binom} shows the effects of these fonts:
-\begin{equation}
-(a+3b)^{n} = \sum_{k=0}^{n} C_{n}^{k} a^{n-k} (3b)^k  \label{eq:binom}
-\end{equation}
-
-
-
-The \lstinline{\linespread} (controls line spacing) is set to 1.3, and I use \lstinline{microtype} to improve the font justification. \lstinline{type1cm} package is used to remove the font shape and font size warning messages.
 
 \subsection{Custom Commands}
-
-I don't change any default command or environment, which means you can use all the basic \LaTeX{} commands and environments as before.  Besides, I define 3 commands
+Default \LaTeX{} commands and environments are all the same in this template\footnote{To ensure the codes are replicatable. We recommend users pay more attention to the contents other than formats. This is the meaning of the existence of the template.}. We created four new commands:
 \begin{enumerate}
-	\item \lstinline{\email}: create the hyperlink to email address.
-	\item \lstinline{\figref}: same usage as \lstinline{\ref}, but start with label text <\textbf{Figure n}>.
-	\item \lstinline{\tabref}: same usage as \lstinline{\ref}, but start with label text <\textbf{Table n}>.
-	\item \lstinline{\keywords}: create the keywords in the abstract section.
-\end{enumerate}{}
+  \item \lstinline{\email}: create the hyperlink to email address.
+  \item \lstinline{\figref}: same usage as \lstinline{\ref}, but start with label text \textbf{Figure n}.
+  \item \lstinline{\tabref}: same usage as \lstinline{\ref}, but start with label text \textbf{Table n}.
+  \item \lstinline{\keywords}: create the keywords in the abstract section.
+\end{enumerate}
 
-\subsection{List Environments}
-You can use \lstinline{itemize}, \lstinline{enumerate}, or \lstinline{description} environment as below\\
-\begin{minipage}[c]{0.50\linewidth}
-\begin{lstlisting}
-\begin{itemize}
-    \item Routing and resource discovery;
-    \item Resilient and scalable networks;
-    \item Distributed storage and search.
-\end{itemize}
-\end{lstlisting}
-\end{minipage}
-\begin{minipage}[c]{0.48\linewidth}
-\begin{itemize}
-	\item Routing and resource discovery;
-	\item Resilient and scalable computer networks;
-	\item Distributed storage and search.
-\end{itemize}
-\end{minipage}
-
-\subsection{Table}
-I strongly recommend you to use the \lstinline{booktabs} package in your paper. It adds three commands to make the table prettier, ie. \lstinline{\toprule}, \lstinline{\midrule} and \lstinline{\bottomrule}. \tabref{tab:reg} is an example.
-
-\begin{lstlisting}
-\begin{table}[htbp]
-  \small
-  \centering
-  \caption{Auto MPG and Price \label{tab:reg}}
-    \begin{tabular}{lcc}
-    \toprule
-                    &       (1)         &        (2)      \\
-    \midrule
-    mpg             &    -238.90***     &      -49.51     \\
-                    &     (53.08)       &      (86.16)    \\
-    weight          &                   &      1.75***    \\
-                    &                   &      (0.641)    \\
-    constant        &     11,253***     &       1,946     \\
-                    &     (1,171)       &      (3,597)    \\
-    obs             &        74         &         74      \\
-    $R^2$           &      0.220        &       0.293     \\
-    \bottomrule
-    \multicolumn{3}{l}{\scriptsize Standard errors in parentheses} \\
-    \multicolumn{3}{l}{\scriptsize *** p<0.01, ** p<0.05, * p<0.1} \\
-    \end{tabular}%
-\end{table}%
-\end{lstlisting}
-\begin{table}[htbp]
-  \small
-  \centering
-  \caption{Auto MPG and Price \label{tab:reg}}
-    \begin{tabular}{lcc}
-    \toprule
-                    &       (1)         &        (2)      \\
-    \midrule
-    mpg             &    -238.90***     &      -49.51     \\
-                    &     (53.08)       &      (86.16)    \\
-    weight          &                   &      1.75***    \\
-                    &                   &      (0.641)    \\
-    constant        &     11,253***     &       1,946     \\
-                    &     (1,171)       &      (3,597)   \\
-    obs             &        74         &         74     \\
-    $R^2$           &      0.220        &       0.293    \\
-    \bottomrule
-    \multicolumn{3}{l}{\scriptsize Standard errors in parentheses} \\
-    \multicolumn{3}{l}{\scriptsize *** p<0.01, ** p<0.05, * p<0.1} \\
-    \end{tabular}%
-\end{table}%
-
-
-
-\subsection{Graphics}
-To include a graphic, you can use figure environment as usual. \figref{fig:scatter} shows the effect. You can put all your images in the sub directories (\lstinline{./image/}, \lstinline{./img/}, \lstinline{./figure/}, \lstinline{./fig/}) of your current working directory.
-
-\begin{lstlisting}
-\begin{figure}[htbp]
-	\centering
-	\includegraphics[width=0.6\textwidth]{scatter.pdf}
-	\caption{Scatter Plot Example \label{fig:scatter}}
-\end{figure}
-\end{lstlisting}
-\begin{figure}[htbp]
-	\centering
-	\includegraphics[width=0.6\textwidth]{scatter.pdf}
-	\caption{Scatter Plot Example \label{fig:scatter}}
-\end{figure}
 
 \subsection{Bibliography}
-This template uses Bib\TeX{} to generate the bibliography, the default bibliography style is \lstinline{aer}. Let's take a glance at the citation effect, ~\cite{Chen2018} use data from a major peer-to-peer lending marketplace in China to study whether female and male investors evaluate loan performance differently. 
 
-If you want to use Bib\TeX{}, you must create a file named \lstinline{wpref.bib}, and add bib items (from Google Scholar, Mendeley, EndNote, and etc.) to \lstinline{wpref.bib} file, and cite the bibkey in the \lstinline{tex} file. The Bib\TeX{} will automatically generate the bibliography for you for the reference you cited. If you want to add some noncited reference to the bibliography, you can use 
+This template uses biblatex to generate the bibliography, the default citestyle and bibliography style are both \lstinline{numeric}. Let's take a glance at the citation effect. ~\cite{en1} use data from a major peer-to-peer lending \cite{en3} marketplace in China to study whether female and male investors evaluate loan performance differently \parencite{en2}. 
+
+If you want to use biblatex, you must create a file named \lstinline{reference.bib}, add bib items (from Google Scholar, Mendeley, EndNote, and etc.) to \lstinline{reference.bib} file, then cite the bibkey in the \lstinline{tex} file. The biber will automatically generate the bibliography for the reference you cited.
+
+
+To change the bibliography style, this version introduces two options: \lstinline{citestyle} and \lstinline{bibstyle}, please refer to \href{https://ctan.org/pkg/biblatex}{CTAN:biblatex} for more detail about these options. You can change your bibliography style as
 
 \begin{lstlisting}
-\nocite{EINAV2010, Havrylchyk2018} 
+\documentclass[citestyle=numeric-comp, bibstyle=authoryear]{elegantpaper} 
 \end{lstlisting}
 
-\section{A Minimal Example}
-In this section, we give a simple example using this template.
+We also add the \lstinline{bibend} option to this template, you can choose \lstinline{biber} (default) or \lstinline{bibtex} as you like, \lstinline{biber} is recommended.
 
 \begin{lstlisting}
-\documentclass[lang=en]{elegantpaper}
-
-% title information
-\title{A Working Paper Example}
-\author{ddswhu} 
-\institute{Elegant\LaTeX{} Group}
-\version{1.00}
-\date{\today}
-
-\begin{document}
-
-\maketitle
-
-\begin{abstract}
-Your abstract goes here.
-\keywords{keyword1, keyword2}
-\end{abstract}
-
-\section{Introduction}
-The content of introduction section.
-
-\section{Conclusion}
-The content of conclusion section.
-
-% include the noncited reference
-\nocite{ref1, ref2}
-\bibliography{wpref}
-\end{document}
+\documentclass[bibtex]{elegantpaper} % or
+\documentclass[bibend=bibtex]{elegantpaper}
 \end{lstlisting}
 
-\nocite{EINAV2010, Havrylchyk2018} 
-\bibliography{wpref}
+
+
+\subsection{Use newtx fonts}
+If you use \lstinline{newtx} fonts, you can use the \lstinline{math} option as 
+\begin{lstlisting}
+\documentclass[math=newtx]{elegantpaper}
+\end{lstlisting}
+
+
+\subsubsection{Hyphens}
+Since the template uses \lstinline{newtx}, please pay attention to the hyphens. For instance,
+\begin{equation}
+\int_{R^q} f(x,y) dy.\emph{of\kern0pt f}
+\end{equation}
+
+The corresponding code is: 
+\begin{lstlisting}
+\begin{equation}
+\int_{R^q} f(x,y) dy.\emph{of \kern0pt f}
+\end{equation}
+\end{lstlisting}
+
+\subsubsection{Symbol Fonts}
+Feedback from ElegantBook users claims that error occurs when using our templates with  \lstinline{yhmath}, \lstinline{esvect} and other packages.
+\begin{lstlisting}
+LaTeX Error:
+Too many symbol fonts declared.
+\end{lstlisting}
+
+The reason is that the template redefines font for math so that no new math font is allowed to be added. To use \lstinline{yhmath} and/or \lstinline{esvect}, please locate \lstinline{yhmath} or \lstinline{esvect} in \lstinline{elegantpaper.cls}, uncomment corresponding related code.
+
+
+\section{FAQ}
+
+\begin{enumerate}[label=\arabic*).]
+  \item \textit{How to remove the information of version?}\\
+  Please comment \lstinline|\version{x.xx}|.
+  \item \textit{How to remove the information of date?}\\
+  Please type in \lstinline|\date{}|.
+  \item \textit{How to add several authors?}\\
+  Use \lstinline{\and} in \lstinline{\author} and use \lstinline{\\} to start a new line.
+  \begin{lstlisting}
+  \author{author 1\\ org. 1 \and author 2 \\ org. 2 }
+  \end{lstlisting}
+  \item \textit{How to display bilingual abstracts?}\\
+  Please refer to \href{https://github.com/ElegantLaTeX/ElegantPaper/issues/5}{GitHub::ElegantPaper/issues/5}
+\end{enumerate}
+
+\section{Acknowledgement}
+
+Thank \href{https://github.com/sikouhjw}{sikouhjw} and \href{https://github.com/syvshc}{syvshc} for their quick response to Github issues and continuously support work for ElegantLaTeX. Thank ChinaTeX and \href{http://www.latexstudio.net/}{LaTeX Studio} for their promotion. 
+
+
+
+\printbibliography[heading=bibintoc, title=\ebibname]
+
+\appendix
+%\appendixpage
+\addappheadtotoc
+
 
 \end{document}

elegantpaper.cls

@@ -1,80 +1,47 @@
-% Current Version: 0.06
 % Author: Dongsheng Deng
 % Homepage: https://ddswhu.me/
 % Email: elegantlatex2e@gmail.com
 % Lastest Version: https://github.com/ElegantLaTeX/ElegantPaper
 
-\NeedsTeXFormat{LaTeX2e}
-\ProvidesClass{elegantpaper}[2019/02/25 v0.06 ElegantLaTeX Paper class]
-  
-\LoadClass[11pt]{article}
+% --- Class structure: identification part
+\ProvidesClass{elegantpaper}[2022/12/31 v0.11 ElegantLaTeX Paper class]
+\NeedsTeXFormat{LaTeX2e} 
 
+%%%
 \RequirePackage{kvoptions}
-\RequirePackage{ifthen}
-\RequirePackage{ifxetex}
 \RequirePackage{etoolbox}
 \RequirePackage{calc}
-\AtEndOfClass{\RequirePackage{microtype}}
 
 \SetupKeyvalOptions{family=ELEGANT, prefix=ELEGANT@, setkeys=\kvsetkeys}
 \newcommand{\ekv}[1]{\kvsetkeys{ELEGANT}{#1}}
 
 \DeclareStringOption[en]{lang}
-\DeclareVoidOption{cn}{\ekv{lang = cn}}
-\DeclareVoidOption{en}{\ekv{lang = en}}
+\DeclareVoidOption{cn}{\ekv{lang=cn}}
+\DeclareVoidOption{en}{\ekv{lang=en}}
+
+\DeclareStringOption[cm]{math}
+
+\DeclareStringOption[numeric-comp]{citestyle}
+\DeclareStringOption[numeric]{bibstyle}
+
+\DeclareStringOption[biber]{bibend}
+\DeclareVoidOption{biber}{\ekv{bibend=biber}}
+\DeclareVoidOption{bibtex}{\ekv{bibend=bibtex}}
 
 
-\DeclareOption*{\PassOptionsToClass{\CurrentOption}{article}}
-%\ExecuteOptions{12pt}
+\DeclareStringOption[ctexfont]{chinesefont}
+\DeclareVoidOption{ctexfont}{\ekv{chinesefont=ctexfont}}
+\DeclareVoidOption{founder}{\ekv{chinesefont=founder}}
+\DeclareVoidOption{nofont}{\ekv{chinesefont=nofont}}
+
+\DeclareVoidOption{newtx}{\ekv{math=newtx}}
+\DeclareVoidOption{mtpro2}{\ekv{math=mtpro2}}
+\DeclareVoidOption{cm}{\ekv{math=cm}}
+
+\DeclareDefaultOption{\PassOptionsToClass{\CurrentOption}{article}}
 \ProcessKeyvalOptions*\relax
-\ProcessOptions*
+\LoadClass{article}
 
-% font setting for text and math
-
-\RequirePackage{amsthm}
-\RequirePackage{amsmath,amssymb}
-%\RequirePackage{newtxtext}
-%\RequirePackage{newtxmath}
-%  
-\RequirePackage{type1cm}
-\RequirePackage{indentfirst}
-
-% more pretty font
-\linespread{1.3}
-
-
-
-% indentation, table and figure package
-\RequirePackage{indentfirst}
-\RequirePackage{booktabs}
-\RequirePackage{multicol}
-\RequirePackage{xcolor}
-\RequirePackage{graphicx}
-\RequirePackage{fancyvrb}
-\RequirePackage{type1cm}
-\RequirePackage{abstract}
-
-\graphicspath{{image/}{figure/}{fig/}{img/}}
-
-% caption settings 
-\RequirePackage[font=small,labelfont={bf}]{caption} 
-\captionsetup[table]{skip=3pt}
-\captionsetup[figure]{skip=3pt}
-
-% list/itemize/enumerate setting
-\RequirePackage[shortlabels]{enumitem}
-\setlist{nolistsep}
-
-% define the hyperref color 
-\RequirePackage{xcolor}
-\definecolor{winered}{rgb}{0.5,0,0}
-
-% bib-settings
-\RequirePackage{natbib}
-\setlength{\bibsep}{0.0pt}
-\def\bibfont{\footnotesize}
-
-% settings for the geometry
 \RequirePackage{hyperref}
 \hypersetup{
   pdfborder={0 0 0},
@@ -85,98 +52,223 @@
   citecolor={winered},
   linktoc=all,
 }
-\RequirePackage[left=1in, right=1in, top=1in, bottom=1in]{geometry}
+% settings for the hyperref and geometry
+\RequirePackage[
+  left=1in,
+  right=1in,
+  top=1in,
+  bottom=1in,
+  headheight=0pt,
+  headsep=0pt]{geometry}
+\setlength{\headsep}{5pt}
 
-% add the \email cmd 
+\RequirePackage{amsthm}
+\RequirePackage{amsmath}
+\RequirePackage{amssymb}
+\RequirePackage{indentfirst}
+\RequirePackage{booktabs}
+\RequirePackage{multicol}
+\RequirePackage{multirow}
+% \RequirePackage{linegoal}
+\RequirePackage{xcolor}
+\RequirePackage{graphicx}
+\RequirePackage{fancyvrb}
+\RequirePackage{abstract}
+\RequirePackage{hologo}
+
+\linespread{1.35}
+\graphicspath{{image/}{figure/}{fig/}{img/}}
+
+% caption settings 
+\RequirePackage[labelfont={bf}]{caption}
+\captionsetup[table]{skip=3pt}
+\captionsetup[figure]{skip=3pt}
+
+% list/itemize/enumerate setting
+\RequirePackage[shortlabels,inline]{enumitem}
+\setlist{nolistsep}
+
+
+% define the hyperref color 
+\RequirePackage{xcolor}
+\definecolor{winered}{rgb}{0.5,0,0}
+
+\definecolor{lightgrey}{rgb}{0.95,0.95,0.95}
+\definecolor{commentcolor}{RGB}{0,100,0}
+\definecolor{frenchplum}{RGB}{190,20,83}
+
+
+% add the email cmd 
 \newcommand\email[1]{\href{mailto:#1}{\nolinkurl{#1}}}
 
+% font settings
 
-% fontsetting
-\RequirePackage{ifxetex}
-\ifxetex
-	\RequirePackage{fontenc}
-	\RequirePackage[no-math]{fontspec}
-	\setmainfont{Times New Roman}[NFSSFamily=ntxtlf]
-	\setsansfont{Arial}
-	%\setmonofont[Scale=0.7]{Courier New}
-	\RequirePackage{xeCJK}
-	\RequirePackage{xunicode}
-	\setCJKmainfont[BoldFont={SimHei},ItalicFont={KaiTi}]{SimSun}
-	\setCJKsansfont[BoldFont={SimHei},ItalicFont={KaiTi}]{KaiTi}
-	\setCJKmonofont[BoldFont={SimHei},ItalicFont={KaiTi},Scale=0.7]{Microsoft YaHei}
-	\XeTeXlinebreaklocale "zh"
-	\XeTeXlinebreakskip = 0pt plus 1pt minus 0.1pt
-	\RequirePackage{newtxmath}
-	%\DeclareSymbolFont{operators}{OT1}{ntxtlf}{m}{n}
-	%\SetSymbolFont{operators}{bold}{OT1}{ntxtlf}{b}{n}
-	\setCJKfamilyfont{zhsong}{SimSun}
-	\setCJKfamilyfont{zhhei}{SimHei}
-	\setCJKfamilyfont{zhkai}{KaiTi}
-	\setCJKfamilyfont{zhfs}{FangSong}
-	\newcommand*{\songti}{\CJKfamily{zhsong}} 
-	\newcommand*{\heiti}{\CJKfamily{zhhei}}   
-	\newcommand*{\kaishu}{\CJKfamily{zhkai}} 
-	\newcommand*{\fangsong}{\CJKfamily{zhfs}} 
+
+\PassOptionsToPackage{no-math}{fontspec}
+\PassOptionsToPackage{quiet}{fontspec}
+\RequirePackage{iftex}
+
+\ifXeTeX
+  \RequirePackage[no-math]{fontspec}
+  \setmainfont{texgyretermes}[
+    UprightFont = *-regular ,
+    BoldFont = *-bold ,
+    ItalicFont = *-italic ,
+    BoldItalicFont = *-bolditalic ,
+    Extension = .otf ,
+    Scale = 1.0]
+    
+  \setsansfont{texgyreheros}[
+    UprightFont = *-regular ,
+    BoldFont = *-bold ,
+    ItalicFont = *-italic ,
+    BoldItalicFont = *-bolditalic ,
+    Extension = .otf ,
+    Scale = 0.9]
 \else
-	\RequirePackage{fontenc}
-	\RequirePackage{newtxtext}
-	\RequirePackage{newtxmath}
-	\RequirePackage[UTF8, scheme=plain]{ctex}
+  \RequirePackage{newtxtext}
+  \RequirePackage[scaled=.90]{helvet}
 \fi
-\RequirePackage[scale=0.7]{FiraMono}
 
 \ifdefstring{\ELEGANT@lang}{cn}{
-  	\theoremstyle{plain}% default
-	\newtheorem{theorem}{定理}[section] %
-	\newtheorem{lemma}[theorem]{引理} %
-	\newtheorem{proposition}[theorem]{性质} %
-	\newtheorem*{corollary}{推论} %
-	\theoremstyle{definition} %
-	\newtheorem{definition}{定义}[section] %
-	\newtheorem{conjecture}{猜想}[section] %
-	\newtheorem{example}{例}[section] %
-	\theoremstyle{remark} %
-	\newtheorem*{remark}{\normalfont\bfseries 评论} %
-	\newtheorem*{note}{\normalfont\bfseries 注} %
-	\newtheorem{case}{\normalfont\bfseries 案例} %
-	\renewcommand*{\proofname}{\normalfont\bfseries 证明} %
-	\renewcommand\contentsname{目录}
-	\renewcommand\refname{参考文献} %
-	\renewcommand\figurename{图} %
-	\renewcommand\tablename{表}%
-	\newcommand\versiontext{版本：}%
-	\newcommand\updatetext{更新：}%
-	\renewcommand\abstractname{摘\hspace{2em}要}
-	\setlength{\parindent}{2em}
-	\renewcommand{\abstracttextfont}{\kaishu\sffamily\small}
-	\newcommand{\keywords}[1]{\vskip2ex\par\noindent\normalfont{\bfseries 关键词: } #1}
-	\newcommand\figref[1]{{\bfseries 图~\ref{#1}}}
-	\newcommand\tabref[1]{{\bfseries 表~\ref{#1}}}
-}{\relax}
-\ifdefstring{\ELEGANT@lang}{en}{
-  \theoremstyle{plain}% default
-	\newtheorem{theorem}{Theorem}[section] %
-	\newtheorem{lemma}[theorem]{Lemma} %
-	\newtheorem{proposition}[theorem]{Proposition} %
-	\newtheorem*{corollary}{Corollary} %
-	\theoremstyle{definition} %
-	\newtheorem{definition}{Definition}[section] %
-	\newtheorem{conjecture}{Conjecture}[section] %
-	\newtheorem{example}{Example}[section] %
-	\theoremstyle{remark} %
-	\newtheorem*{remark}{Remark} %
-	\newtheorem*{note}{Note} %
-	\newtheorem{case}{Case} %
-	\renewcommand*{\proofname}{\normalfont\bfseries Proof}%
-	\newcommand\versiontext{Version: }%
-	\newcommand\updatetext{Update: }%
-	\renewcommand{\abstracttextfont}{\sffamily\small}
-	\newcommand{\keywords}[1]{\vskip2ex\par\noindent\normalfont{\bfseries Keywords: } #1}
-	\newcommand\figref[1]{{\bfseries Figure~\ref{#1}}}
-	\newcommand\tabref[1]{{\bfseries Table~\ref{#1}}}
+  \ifdefstring{\ELEGANT@chinesefont}{founder}{
+    \RequirePackage[UTF8,scheme=plain,fontset=none]{ctex}
+    \setCJKmainfont[BoldFont={FZHei-B01},ItalicFont={FZKai-Z03}]{FZShuSong-Z01}
+    \setCJKsansfont[BoldFont={FZHei-B01}]{FZKai-Z03}
+    \setCJKmonofont[BoldFont={FZHei-B01}]{FZFangSong-Z02}
+    \setCJKfamilyfont{zhsong}{FZShuSong-Z01}
+    \setCJKfamilyfont{zhhei}{FZHei-B01}
+    \setCJKfamilyfont{zhkai}[BoldFont={FZHei-B01}]{FZKai-Z03}
+    \setCJKfamilyfont{zhfs}[BoldFont={FZHei-B01}]{FZFangSong-Z02}
+    \newcommand*{\songti}{\CJKfamily{zhsong}}
+    \newcommand*{\heiti}{\CJKfamily{zhhei}}
+    \newcommand*{\kaishu}{\CJKfamily{zhkai}}
+    \newcommand*{\fangsong}{\CJKfamily{zhfs}}}{\relax}
+  
+  \ifdefstring{\ELEGANT@chinesefont}{nofont}{
+    \RequirePackage[UTF8,scheme=plain,fontset=none]{ctex}}{\relax}
+
+  \ifdefstring{\ELEGANT@chinesefont}{ctexfont}{
+    \RequirePackage[UTF8,scheme=plain]{ctex}}{\relax}
+  
+  \AfterEndPreamble{
+    \setlength\parindent{2\ccwd}}
 }{\relax}
 
+
+\ifcsname kaishu\endcsname
+  \newcommand{\citshape}{\kaishu}
+\else
+  \newcommand{\citshape}{\itshape}
+\fi
+\ifcsname kaishu\endcsname
+  \newcommand{\cnormal}{\kaishu}
+\else
+  \newcommand{\cnormal}{\normalfont}
+\fi
+
+\ifcsname fangsong\endcsname
+  \newcommand{\cfs}{\fangsong}
+\else
+  \newcommand{\cfs}{\normalfont}
+\fi
+
+\ifdefstring{\ELEGANT@math}{newtx}{
+  \RequirePackage{newtxmath}
+  \let\Bbbk\relax
+  \RequirePackage{esint}
+  %%% use yhmath pkg, uncomment following code
+  % \let\oldwidering\widering
+  % \let\widering\undefined
+  % \RequirePackage{yhmath}
+  % \let\widering\oldwidering
+
+  %%% use esvect pkg, uncomment following code
+  % \RequirePackage{esvect}
+
+  \DeclareSymbolFont{CMlargesymbols}{OMX}{cmex}{m}{n}
+  \let\sumop\relax\let\prodop\relax
+  \DeclareMathSymbol{\sumop}{\mathop}{CMlargesymbols}{"50}
+  \DeclareMathSymbol{\prodop}{\mathop}{CMlargesymbols}{"51}
+}{\relax}
+
+
+\RequirePackage[
+  backend=\ELEGANT@bibend,
+  citestyle=\ELEGANT@citestyle,
+  bibstyle=\ELEGANT@bibstyle]{biblatex}
+
+\RequirePackage{appendix}
+
+\ifdefstring{\ELEGANT@lang}{cn}{
+  \theoremstyle{plain}% default
+  \newtheorem{theorem}{定理}[section] %
+  \newtheorem{lemma}[theorem]{引理} %
+  \newtheorem{proposition}[theorem]{命题} %
+  \newtheorem*{corollary}{推论} %
+  \theoremstyle{definition} %
+  \newtheorem{definition}{定义}[section] %
+  \newtheorem{conjecture}{猜想}[section] %
+  \newtheorem{example}{例}[section] %
+  \theoremstyle{remark} %
+  \newtheorem*{remark}{\normalfont\bfseries 评论} %
+  \newtheorem*{note}{\normalfont\bfseries 注} %
+  \newtheorem{case}{\normalfont\bfseries 案例} %
+  \renewcommand*{\proofname}{\normalfont\bfseries 证明} %
+  \renewcommand\contentsname{目录}
+  \renewcommand\refname{参考文献} %
+  \renewcommand\figurename{图} %
+  \renewcommand\tablename{表}%
+  \newcommand\versiontext{版本：}%
+  \newcommand\updatetext{日期：}%
+  \newcommand{\ebibname}{参考文献}
+  \renewcommand\abstractname{摘\hspace{2em}要}
+  \setlength\parindent{2\ccwd}
+  \renewcommand{\abstracttextfont}{\small\citshape\noindent\ignorespaces}
+  % 新定义命令
+  \newcommand{\keywords}[1]{\vskip2ex\par\noindent\normalfont{\bfseries 关键词: } #1}
+  \newcommand\figref[1]{{\bfseries 图~\ref{#1}}}
+  \newcommand\tabref[1]{{\bfseries 表~\ref{#1}}}
+  \renewcommand{\appendixtocname}{附录}
+  \renewcommand{\appendixpagename}{附录}}{\relax}
+
+\ifdefstring{\ELEGANT@lang}{en}{
+  \theoremstyle{plain}% default
+  \newtheorem{theorem}{Theorem}[section] %
+  \newtheorem{lemma}[theorem]{Lemma} %
+  \newtheorem{proposition}[theorem]{Proposition} %
+  \newtheorem*{corollary}{Corollary} %
+  \theoremstyle{definition} %
+  \newtheorem{definition}{Definition}[section] %
+  \newtheorem{conjecture}{Conjecture}[section] %
+  \newtheorem{example}{Example}[section] %
+  \theoremstyle{remark} %
+  \newtheorem*{remark}{Remark} %
+  \newtheorem*{note}{Note} %
+  \newtheorem{case}{Case} %
+  \renewcommand*{\proofname}{\normalfont\bfseries Proof}%
+  \newcommand\versiontext{\itshape Version: }%
+  \newcommand\updatetext{\itshape Date: }%
+  \setlength\parindent{2em}
+  \renewcommand{\abstracttextfont}{\sffamily\small\noindent\ignorespaces}
+  % newcommands defined in this template.
+  \newcommand{\keywords}[1]{\vskip 2ex\par\noindent\normalfont{\bfseries Keywords: } #1}
+  \newcommand\figref[1]{{\bfseries Figure~\ref{#1}}}
+  \newcommand\tabref[1]{{\bfseries Table~\ref{#1}}}
+  \newcommand{\ebibname}{Bibliography}}{\relax}
+
+
+\def\bibfont{\footnotesize}
+
 \AtBeginEnvironment{verbatim}{\microtypesetup{activate=false}}
+\BeforeBeginEnvironment{tabular}{\small}
+\AfterEndEnvironment{tabular}{}
+
+\AtBeginDocument{
+  \setlength{\abovedisplayskip}{3pt}
+  \setlength{\belowdisplayskip}{3pt}
+  \RequirePackage[flushmargin]{footmisc}
+  \setlength{\footnotesep}{12pt}}
 
 \def\IfEmpty#1{%
   \edef\1{\the#1}
@@ -184,13 +276,13 @@
 }
 \newtoks\version
 \newtoks\institute
-\def \ifempty#1{\def\temp{#1} \ifx\temp\empty }
+
 \renewcommand\maketitle{\par
   \begingroup
     \renewcommand\thefootnote{\@fnsymbol\c@footnote}%
     \def\@makefnmark{\rlap{\@textsuperscript{\normalfont\@thefnmark}}}%
     \long\def\@makefntext##1{\parindent 1em\noindent
-            \hb@xt@1.8em{%
+            \hb@xt@0.1em{%
                 \hss\@textsuperscript{\normalfont\@thefnmark}}##1}%
     \if@twocolumn
       \ifnum \col@number=\@ne
@@ -231,54 +323,49 @@
     {\large
       \lineskip .5em%
       \begin{tabular}[t]{c}%
-        \@author\\
-        \the\institute
-      \end{tabular}\par}%
-\vskip 1.5em%
+        \@author\\[1ex]
+      \end{tabular}\par}
+      \the\institute%
+\vskip 0.5ex%
 \IfEmpty\version
 \else 
-{\small\itshape \versiontext \the\version}
+{\small\normalfont\citshape\versiontext\the\version}
 \fi
 \ifx\@date\empty
 \else
 \vskip 0.1em%
- 	{\small\itshape \updatetext \@date}%
+ {\small\normalfont\citshape\updatetext\@date}%
 \fi
   \end{center}%
   \par
 }
   
 
+\RequirePackage{listings}
+\renewcommand{\ttdefault}{cmtt}
 
-\DeclareSymbolFont{cmlargesymbols}{OMX}{cmex}{m}{n}
-\DeclareMathSymbol{\intop}{\mathop}{cmlargesymbols}{"5A}
-  \def\int{\intop\nolimits}
-\DeclareMathSymbol{\ointop}{\mathop}{cmlargesymbols}{"49}
-  \def\oint{\ointop\nolimits}
-\DeclareMathSymbol{\sumop}{\mathop}{cmlargesymbols}{"58}
-  \let\sum\sumop
-\DeclareMathSymbol{\prodop}{\mathop}{cmlargesymbols}{"59}
-  \let\prod\prodop
+\lstdefinestyle{estyle}{
+  basicstyle=%
+    \ttfamily
+    \lst@ifdisplaystyle\footnotesize\fi
+}
+\lstset{basicstyle=\scriptsize\ttfamily,style=estyle}
 
-
-\RequirePackage{listings} 
-\definecolor{lightgrey}{rgb}{0.9,0.9,0.9}
-\definecolor{frenchplum}{RGB}{190,20,83}
 \lstset{language=[LaTeX]TeX,
-	texcsstyle=*\bf\color{winered}\ttfamily,
-	basicstyle=\ttfamily,
+	texcsstyle=*\color{winered},
 	numbers=none,
 	breaklines=true,
-	keywordstyle=\bf\color{winered}\ttfamily,
-	commentstyle=\color{gray},
-	emph={elegantpaper,fontenc,fontspec,xeCJK,FiraMono,xunicode,newtxmath,figure,fig,image,img,table,itemize,enumerate,newtxtext,newtxtt,ctex,microtype,description,times,newtx,booktabs,tabular,PDFLaTeX,XeLaTeX,type1cm,BibTeX},
+	keywordstyle=\color{winered},
+	frame=tlbr,framesep=4pt,framerule=0pt,
+	commentstyle=\color{commentcolor},
+	emph={elegantpaper,fontenc,fontspec,xeCJK,FiraMono,xunicode,newtxmath,figure,fig,image,img,table,itemize,enumerate,newtxtext,newtxtt,ctex,microtype,description,times,newtx,booktabs,tabular,PDFLaTeX,XeLaTeX,type1cm,BibTeX,cite,gbt7714,lang},
 	emphstyle={\color{frenchplum}},
-	morekeywords={DeclareSymbolFont,SetSymbolFont,toprule,midrule,bottomrule,institute,version,includegraphics,setmainfont,setsansfont,setmonofont ,setCJKmainfont,setCJKsansfont,setCJKmonofont,RequirePackage,figref,tabref,email,maketitle,keywords},
-	frame=none,
+	morekeywords={DeclareSymbolFont,SetSymbolFont,toprule,midrule,bottomrule,institute,version,includegraphics,setmainfont,setsansfont,setmonofont ,setCJKmainfont,setCJKsansfont,setCJKmonofont,RequirePackage,figref,tabref,email,maketitle,keywords,zhdate,zhtoday},
 	tabsize=2,
 	backgroundcolor=\color{lightgrey}
 }
 
-\bibliographystyle{aer}
 
 
+% restore the tt default family to lmodern tt family
+\renewcommand\ttdefault{lmtt}

figure/scatter.py

@@ -1,27 +0,0 @@
-# This file is the source file of the scatter.pdf
-# source page: https://matplotlib.org/gallery/shapes_and_collections/scatter.html
-import numpy as np
-import matplotlib.pyplot as plt
-
-# Fixing random state for reproducibility
-np.random.seed(19680801)
-
-
-N = 50
-x = np.random.rand(N)
-y = np.random.rand(N)
-colors = np.random.rand(N)
-area = (30 * np.random.rand(N))**2  # 0 to 15 point radii
-
-ax = plt.subplot(111)
-ax.scatter(x, y, s=area, c=colors, alpha=0.5)
-
-# Hide the right and top spines
-ax.spines['right'].set_visible(False)
-ax.spines['top'].set_visible(False)
-
-# Only show ticks on the left and bottom spines
-ax.yaxis.set_ticks_position('left')
-ax.xaxis.set_ticks_position('bottom')
-
-plt.savefig('scatter.pdf', transparent=True)

reference.bib

@@ -0,0 +1,71 @@
+
+@article{en3,
+  title={{The Mechanism and Effectiveness of Credit Scoring of P2P Lending Platform: Evidence from Renrendai.com}},
+  author={Li, Qiang and Chen, Liwen and Zeng, Yong},
+  journal={China Finance Review International},
+  volume={8},
+  number={3},
+  pages={256--274},
+  year={2018},
+  publisher={Emerald Publishing Limited}
+}
+
+
+@article{en2,
+   author = {Carlstrom, Charles T and Fuerst, Timothy S},
+   title = {{Agency Costs, Net Worth, and Business Fluctuations: A Computable General Equilibrium Analysis}},
+   journal = {The American Economic Review},
+   pages = {893-910},
+   ISSN = {0002-8282},
+   year = {1997},
+   type = {Journal Article}
+}
+
+@article{en1,
+   author = {Quadrini, Vincenzo},
+   title = {{Financial Frictions in Macroeconomic Fluctuations}},
+   journal = {FRB Richmond Economic Quarterly},
+   volume = {97},
+   number = {3},
+   pages = {209-254},
+   year = {2011},
+   type = {Journal Article}
+}
+
+@article{cn1,
+   author = {方军雄},
+   key = {fang1 jun1 xiong2},
+   title = {{所有制、制度环境与信贷资金配置}},
+   journal = {经济研究},
+   number = {12},
+   pages = {82-92},
+   ISSN = {0577-9154},
+   year = {2007},
+   type = {Journal Article}
+}
+
+@article{cn2,
+   author = {刘凤良 and 章潇萌 and 于泽},
+   key = {liu2 feng4 liang2 zhang1 xiao1 meng2 yu2 ze2},
+   title = {{高投资、结构失衡与价格指数二元分化}},
+   journal = {金融研究},
+   number = {02},
+   pages = {54-69},
+   ISSN = {1002-7246},
+   year = {2017},
+   type = {Journal Article}
+}
+
+@article{cn3,
+   author = {吕捷 and 王高望},
+   key = {lv3 jie2 wang2 gao1 wang4},
+   title = {{CPI 与 PPI “背离”的结构性解释}},
+   journal = {经济研究},
+   volume = {50},
+   number = {04},
+   pages = {136-149},
+   ISSN = {0577-9154},
+   year = {2015},
+   type = {Journal Article}
+}
+

wpref.bib

@@ -1,68 +0,0 @@
-@article{Zeng2017,
-abstract = {{\textcopyright} 2017 Zeng et al. This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited. Peer-to-peer (P2P) lending, as a novel economic lending model, has triggered new challenges on making effective investment decisions. In a P2P lending platform, one lender can invest N loans and a loan may be accepted by M investors, thus forming a bipartite graph. Basing on the bipartite graph model, we built an iteration computation model to evaluate the unknown loans. To validate the proposed model, we perform extensive experiments on real-world data from the largest American P2P lending marketplace - Prosper. By comparing our experimental results with those obtained by Bayes and Logistic Regression, we show that our computation model can help borrowers select good loans and help lenders make good investment decisions. Experimental results also show that the Logistic classification model is a good complement to our iterative computation model, which motivates us to integrate the two classification models. The experimental results of the hybrid classification model demonstrate that the logistic classification model and our iteration computation model are complementary to each other. We conclude that the hybrid model (i.e., the integration of iterative computation model and Logistic classification model) is more efficient and stable than the individual model alone.},
-author = {Zeng, Xiangxiang and Liu, Li and Leung, Stephen and Du, Jiangze and Wang, Xun and Li, Tao},
-doi = {10.1371/journal.pone.0184242},
-file = {:D$\backslash$:/Nuts/Reference/A decision support model for investment on P2P lending platform - Zeng et al. - 2017.pdf:pdf;:D$\backslash$:/Nuts/Reference/A decision support model for investment on P2P lending platform - Zeng et al. - 2017(2).pdf:pdf},
-isbn = {1111111111},
-issn = {19326203},
-journal = {PLoS ONE},
-number = {9},
-pages = {1--18},
-title = {{A decision support model for investment on P2P lending platform}},
-volume = {12},
-year = {2017}
-}
-@article{EINAV2010,
-author = {Einav, Liran And Cullen, Amy Finkelstein Mark R.},
-file = {:D$\backslash$:/Nuts/Reference/Estimating Welfare in Insurance Markets Using Variation in Prices - EINAV, CULLEN - 2010.pdf:pdf},
-isbn = {1932-6203 (Electronic) 1932-6203 (Linking)},
-issn = {19326203},
-journal = {Quarterly Journal of Economics},
-number = {August},
-pages = {877--921},
-pmid = {24710357},
-title = {{Estimating Welfare in Insurance Markets Using Variation in Prices}},
-volume = {CXXV},
-year = {2010}
-}
-@article{Veiga2018,
-abstract = {Would consumer surplus increase if annuity rates were age-neutral? This paper characterizes the socially optimal contractibility of a given signal in markets with adverse selection. A signal (e.g., age) partitions consumers into subsets (e.g., young and old). A regulator restricts price-discrimination on the basis of the signal if the consumer subsets where the level of cost is higher are also the subsets where there is greater deadweight loss due to adverse selection. Such signals are empirically common. To illustrate the welfare benefit of price discrimination policy, I use a structural model to estimate its impact on the UK annuities market. The model is estimated using proprietary data that include the annuity seller's estimate of each individual's longevity. I find that restricting price discrimination can increase consumer surplus by the equivalent of about {\pounds}6.5 million per year.},
-author = {Veiga, Andr{\'{e}}},
-file = {:D$\backslash$:/Nuts/Reference/The Impact of Price Discrimination in Markets with Adverse Selection - Veiga - 2018.pdf:pdf},
-keywords = {Adverse Selection,D41,L52,Price Discrimination,Structural Estimation JEL Classification Codes: D8},
-title = {{The Impact of Price Discrimination in Markets with Adverse Selection}},
-year = {2018}
-}
-
-@article{Chen2018,
-abstract = {We use data from a major peer-to-peer lending marketplace in China to study whether female and male investors evaluate loan performance differently. Controlling for variables of investor demographics, investor experience, and loan characteristics, we find that loans invested by female investors are more likely to default and have lower loan return in the future than loans invested by male investors. We define abnormal default or abnormal loan return as the part of the loan default or the part of loan return that is not explained by loan characteristics and find that the loans invested by female investors have higher abnormal default and lower abnormal loan return than the loans invested by male investors. Furthermore, female investors perform similarly to male investors in abnormal default or abnormal loan return when investors have high levels of education or income or when investors work in finance or information technology industries.},
-author = {Chen, Jia and Jiang, Jiajun and jane Liu, Yu},
-doi = {10.1016/j.jempfin.2018.06.004},
-file = {:D$\backslash$:/Nuts/Reference/Financial literacy and gender difference in loan performance - Chen, Jiang, Liu - 2018.pdf:pdf},
-issn = {09275398},
-journal = {Journal of Empirical Finance},
-keywords = {Financial Literacy, Gender Difference, Loan Default, Loan Return,Peer-to-peer Lending},
-number = {71673007},
-pages = {307--320},
-title = {{Financial Literacy and Gender Difference in Loan Performance}},
-volume = {48},
-year = {2018}
-}
-
-@article{Havrylchyk2018,
-abstract = {The objective of our paper is to explore the role of P2P lending platforms through the prism of the theory of financial intermediation. P2P lending platforms perform the brokerage function of financial intermediaries by matching lenders' supply and borrowers' demand of funding, according to the risk and the maturity of their needs. Unlike banks, P2P lending platforms do not create money and do not perform risk and maturity transformation. However, they can organize secondary markets to trade loan contracts before maturity and some P2P lending platforms aim at providing a fixed income to lenders. To ensure efficient and sustainable financial intermediation, P2P lending platforms need to ensure that they are not subject to principal-agent problems and that their incentives coincide with those of lenders. The possibility of orderly resolution of P2P lending platforms failures might decrease moral hazard problems that are inherent in the modern financial intermediation.},
-author = {Havrylchyk, Olena and Verdier, Marianne},
-doi = {10.1057/s41294-017-0045-1},
-file = {:D$\backslash$:/Nuts/Reference/The Financial Intermediation Role of the P2P Lending Platforms - Havrylchyk, Verdier - 2018.pdf:pdf},
-issn = {14783320},
-journal = {Comparative Economic Studies},
-keywords = {Access to finance,Financial crisis,Information and communication technologies,Internet,Market structure,Online lenders,Peer-to-peer lending},
-number = {1},
-pages = {115--130},
-publisher = {Palgrave Macmillan UK},
-title = {{The Financial Intermediation Role of the P2P Lending Platforms}},
-url = {https://doi.org/10.1057/s41294-017-0045-1},
-volume = {60},
-year = {2018}
-}
-