张文瑶，女，汉族，1982年8月生，2018年毕业于哈尔滨工业大学获博士学位。
科研情况：
主要研究方向：科技金融创新管理
在Technology Analysis & Strategic Management(TASM), Quality & Quantity(Q&Q)等SSCI/SCI国际高水平期刊及其他权威期刊发表学术论文4篇。在CME2014, ICASSR 2015, ICMIBI-ASSB 2016等管理创新国际会议上发表学术论文3篇。
主要工作经历：
2018.9-至今bwin必赢官方网站金融学院，互联网金融系
发表的论文：
[1] Wenyao Zhang, Tugrul U Daim, Qingpu Zhang. Understanding the Disruptive Business Model Innovation of E-business Microcredit: A Comparative Case Study in China. Technology Analysis and Strategic Management, 2018, 30(7):1-13.
[2] Wei Zhang, Yongli Li, Wenyao Zhang, Shengli Dai. Social Network Evolution in Creative Process of CNPD Teams: A Case Study of Chinese Companies. Quality & Quantity, 2018, Online Doi：10.1007/s11135-018-0740-7.
[3] Wenyao Zhang, Qingpu Zhang. Exploring Antecedent Difference between Early and Late Adopters of Disruptive Innovation in E-business Microcredit Context: Evidence from China. International Journal of Innovation and Technology Management, 2017, 14(5): 1-29.
[4] Wenyao Zhang, Tugrul U Daim, Qingpu Zhang. Exploring the Multi-phase Driven Process for Disruptive Business Model Innovation of Internet-based E-business Microcredit: A Multiple Case Study from China. Journal of the Knowledge Economy, 2017, 8:1-28.
[5] Wenyao Zhang, Qingpu Zhang. Research on Ali Microcredit Disruptive Business Model Innovation from Long Tail Perspective. 2014 International Conference on Management and Engineering (CME 2014).
[6] Wenyao Zhang, Qingpu Zhang. Exploring the Improved Personal Credit Scoring Model of Ant Financial Services in its Disruptive Innovation Process. 2015 3rd International Conference on Applied Social Science Research (ICASSR 2015).
[7] Wenyao Zhang. Analysis and Innovation Research on Ali Microcredit Risk Management and Control. 2016 International Conference on Mechatronics and Control (ICMIBI-ASSB 2016).
