师说 | 对话经济学专业Imran Yousaf博士：以“科研”作底，为“育人”上色
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近日，2022年ABDC期刊质量排名发布。来自温州肯恩大学商学院经济学专业的Imran Yousaf博士荣登中国区第一名。据悉，澳大利亚商学院院长理事会（The Australian Business Deans Council，简称ABDC）期刊等级排名中的A类期刊为商科领域的顶级期刊。Yousaf博士一直致力于科学研究，相继探索了投资组合管理、行为金融学和金融科技等多个领域。仅去年一年间，他就在A类期刊产出论文17篇。今年3月份，他还与其他学者合作在国际科研杂志上发表了有关新冠疫苗接种市场等方面的论文。
今天，就让我们一同回顾Dr. Imran Yousaf的漫漫科研路，看看他如何以“科研”作底，为“育人”上色。
关于Imran Yousaf, 博士
2020年，Imran Yousaf在巴基斯坦伊斯兰堡的首都科技大学获得金融学博士学位。2年后，他来到温州肯恩大学成为商学院经济学专业的讲师。他拥有七年的全职教学经验，也经常在同行评审的学术期刊上发表自己的研究成果，如《能源经济学》、《国际金融市场杂志》、《机构与货币》、《国际金融分析评论》、《金融研究通讯》、《行为与实验金融杂志》、《太平洋盆地金融杂志》、《国际商业与金融研究》等期刊，同时他也在《金融创新》和《金融经济学年鉴》这两个著名的金融杂志上担任编委。
科研步履不停 静待成果开花
Yousaf博士在商业研究领域有着许多的成就，尤其是关于数字经济及支付变革的研究。他的研究更像是一种静待花开的过程。他表示：“和不同的人打交道，在不同的行业里工作，这些时间看似与研究无关，但都在潜移默化中，加深了我对于世界和未来的理解和认识。”
利用丰富的实践经验和对未来金融商业的精准把握，他确定了金融科技与代币市场这一潜力巨大的研究课题。金融科技指的是使用现代技术来改善金融服务并使之自动化。如今，金融科技的出现推动了全新的数字代币市场的产生，如安全和实用代币。“这个市场有许多好处，包括增加流动性，降低交易成本，更容易获得投资机会，以及通过区块链技术增强安全性。”Yousaf介绍说。除了金融科技，Yousaf还广泛地探索了能源、股票、房地产和债券市场。他的研究足迹遍布世界各地，与来自不同国家的知名学者合作，完善其研究方法，探索新的研究课题，为金融领域做出贡献。
如今，数字经济以及元宇宙等相关概念热度不减。随着越来越多的相关产业和衍生品相继诞生，曾经研究的小众市场已经转化成了经济发展的新方向。新时代代表着新的开始，金融科技的发展依旧在加速。Yousaf相信：“只要找准方向，沉下心来慢慢等待，总有花开的那一天。”
“教育不是单方面的箭头，而是双向沟通”
“我对教育的兴趣，不是在一朝一夕之间形成的，而是日积月累而来的。”初入大学时，Yousaf也曾因为害羞，从未向老师提出过任何问题。一次偶然的机会，数学老师与他分享了两条建议：其一是到了大学后，要学会提问。其二是要懂得分享知识。在每天课程结束后，作为学习小组的组长，他需要辅导另外9人学习并分享自己学到的知识。在采访中，他回忆道：“一开始的我只会照本宣科，重复书上的原话。”但日日的积累，次次的解答让他开始愈发熟练。到了后来，他不再需要在讲课的过程中盯着书本和笔记，也不怯于回答组内同学的提问。“正是这次契机，我认识到自己一定能成为一个老师。”Yousaf说道。
Dr. Yousaf教学在温肯
如今，Yousaf已有七年的全职教学经验。与之前的教学经历相比，Yousaf认为在温肯的教学经历尤为不同。来到温肯后，他在许多学生身上看到了初上大学的自己。他们害羞，不愿意参与，将答案藏在心里……每每这样，他总是耐心地给予鼓励，并让课堂氛围变得轻松有趣。慢慢地，越来越多学生愿意参与讨论，在交流中进行思维碰撞。“教育不是单方向的箭头。如果一个课堂不能引发学生的提问，老师只是走入教室照本宣科，那这不能称作一个好课堂。教育是双向沟通，我应该向学生提问，学生也对我提出疑问。”他笑着说道。曾经的两条建议，在潜移默化间改变着他的授课理念与授课方式。以“鼓励”做肥料，灌以“自信”之水，害羞的种子终会开出耀眼的花。
虽然来到温肯后，他还未开展过案例教学，但他却对此充满期待。他愿意与学生一起深入分析某个中国企业存在的问题，并将课堂模拟为公司，与学生一同想象、各抒己见。“案例研究能够让学生真正了解到一个公司面临的问题，积累经验并互相学习。我希望学生在这一过程中，能够各抒己见，想象自己就是公司的经营者，在讨论与模拟中找到问题的实际解决方案。”
“在中国的经历让我难忘”
“中国与巴基斯坦保持着很好的国际关系，而且中国拥有理想的研究环境，这些因素让我对来到中国、来到温肯充满兴趣。”2020年，在巴基斯坦获得博士学位后，Yousaf就从其他人的经历中了解到了中国。两年后，他动身来到温肯，毅然决然将中国作为自己新的起点，并在这里亲身感受到了中国和巴基斯坦间的兄弟情谊。“中国人民很热情好客，我得到了很多帮助，这些暖心的举动让我难忘。”他这样说道。
来到温肯后，Yousaf时常对比自己在两国的经历。他惊叹于温肯的教育设施与校园环境，也会因学生的努力而动容。“每每商学院的走廊，我都会注意到，几乎每个座位上都有学生在坚持自习。自律、努力是温肯儿的闪光点。”对于现在，Yousaf很享受在温肯的教学生活，同时他也对未来充满期待，希望能够继续在这里做感兴趣的科研，培养更多出色的人才。
Dr. Imran Yousaf Ranks 1st in China for Finance/Business Research
We are thrilled to share that Dr. Imran Yousaf, a faculty member at Wenzhou-Kean University, has earned the distinction of being ranked 1st in China for the year 2022, according to P-rank based on ABDC Journal quality list.
Dr. Imran Yousaf is a highly qualified and experienced educator who obtained his Ph.D. in Finance from the Capital University of Science and Technology, Islamabad. In 2022, he joined Wenzhou-Kean University as a faculty member of the College of Business and Public Management. Dr. Yousaf has an impressive seven years of full-time teaching experience and brings a wealth of knowledge and expertise to the classroom.
Dr. Yousaf has a proven track record of dedicated scientific research, and has delved deeply into various areas of finance, such as FinTech, financial contagion, portfolio risk management, and behavioral finance. Dr. Yousaf has published in leading mainstream journals in the area of finance, such as Energy Economics, International Review of Financial Analysis, Journal of International Financial Markets Institutions & Money, Finance Research Letters, Emerging Markets Review, Pacific-Basin Finance Journal, International Review of Economics & Finance, Journal of Behavioral and Experimental Finance, and Economic Modelling, among others. Furthermore, his case studies in Corporate Finance are available on prestigious publishing platforms such as Ivey and Harvard. His research work has also been featured in the 'Institutional Investors' financial magazine. Dr. Yousaf serves as an Editorial Board Member in two prestigious finance journals - Financial Innovation and Annals of Financial Economics.
Dr. Yousaf continues to make significant contributions to the field of finance, as evidenced by his recent publications in top-ranked finance journals during the first quarter of 2023. These publications cover a broad range of topics, including the impact of the Silicon Valley Bank collapse on global financial markets, the FTX collapse and its effects on financial markets, the Central Bank Digital Currencies and its implications for digital payment stocks, the interconnectedness of Defi assets and equity markets, spillovers between healthcare tokens and stocks, and portfolio management of traditional and Islamic cryptocurrencies. Dr. Yousaf's research showcases his ability to navigate complex financial issues and his unwavering commitment to cutting-edge research. His work offers valuable insights to academics and practitioners alike and highlights his significant contributions to the field of finance.
Waiting for the flowers to bloom
Dr. Yousaf's significant contributions in finance research, particularly in FinTech and tokens markets, have transformed traditional finance. FinTech refers to the use of modern technology to improve and automate financial services. The emergence of FinTech has led to the creation of a new market for digital tokens, such as security and utility tokens. This market has numerous benefits, including increased liquidity, reduced transaction costs, greater accessibility to investment opportunities, and enhanced security through blockchain technology. Moreover, the token's market has the potential to democratize finance by enabling individuals and businesses to participate in fundraising and investment activities without the need for traditional intermediaries. Besides FinTech, Dr. Yousaf extensively explored the energy, stock, real estate, and bonds markets. His research has taken him worldwide, collaborating with renowned scholars from diverse countries and refining his methodology, exploring new research topics, and contributing to the field of finance.
As an expert in finance, Dr. Yousaf believes that tokens represent the future of economic development, as they are independent financial products that do not rely on intermediary institutions. Despite challenges, he sees the potential of this new financial landscape, and his early optimism in studying it is now bearing fruit. As the digital economy and the tokens continue to rise in popularity, Dr. Yousaf believes that tokens will soon be promoted worldwide and represent a new beginning in the new era. He advises finding the right direction and waiting patiently for the flowers to bloom.
“Education is a Dialogue: The Importance of Two-Way Communication in Learning.”
Dr. Yousaf admitted that his education journey was not an overnight one but a long one. The story started when he was a college student. He initially struggled with shyness and found it challenging to ask questions in class. However, he was fortunate enough to have a math teacher who provided him with two valuable pieces of advice that would shape his academic career: learn to ask questions and share knowledge with others. Following his teacher's advice, Dr. Yousaf began to participate actively in group study sessions during his university studies.
In the first semester of his university studies, his teachers made it mandatory for all students to participate in daily group study sessions. He joined a group of nine students and in their first meeting, they had to choose a group leader who would teach the others. When one of their group members asked who would take on the role, he raised his hand, following the advice of his college teacher, and took on the responsibility of teaching his group members for at least two hours each day.
Initially, his communication and teaching skills were lacking, but with the support of his group members, he improved his teaching skills by teaching both quantitative and qualitative content in different subjects. By the third semester of his bachelor's degree, his classmates and juniors began approaching him to learn about different topics. He was open to everyone who wanted to learn, and he gained a lot of knowledge from the variety of questions posed by his group members, classmates, and juniors. This practice continued during his master's degree as well, allowing him to improve his skills as a teacher and become a knowledgeable resource for his peers.
Dr. Yousaf has been teaching full-time for seven years, and he believes that his teaching experience at WKU has been particularly unique compared to his previous teaching experiences. Upon his arrival, he noticed that many students were hesitant to participate and lacked confidence in sharing their answers. To address this, he implemented a patient and encouraging teaching style, making his classes enjoyable and engaging for all students. As a result, more and more WKUers began to actively participate and engage in collaborative learning.
Dr. Yousaf strongly believes that education is not a one-way communication process. He emphasized the importance of both teachers and students asking and answering questions to promote a healthy and dynamic learning environment. According to him, if a lecture doesn't inspire students to ask questions and encourage healthy discussions, it is not an effective class. He always encourages his students to participate in class discussions. Overall, his approach to teaching promotes an open and collaborative learning environment that encourages students to think critically and engage in active learning.
In addition to teaching concepts from books, he utilize the "case study pedagogy" to develop students' ability to make decisions in a broad range of real-world situations. The case method encourages active learning and student participation, as well as developing the remarkable ability to analyze and apply theoretical frameworks, to debate and develop arguments, and to make quick decisions in challenging, uncertain situations.
“My experience in China was unforgettable.”
Dr. Yousaf has expressed a strong interest in joining Wenzhou-Kean University (WKU) in China, citing several reasons for his enthusiasm. Firstly, he was drawn to the China's excellent relations with Pakistan, and the status of a Chinese-American institution. Additionally, he was impressed by the positive teaching and research environment at WKU, which he believes would enable him to pursue his academic interests with passion and vigor. During his one-year stay in China, Dr. Yousaf had the opportunity to experience firsthand the friendly relationship between Pakistani and Chinese people. He was deeply touched by the warm hospitality and support he received from the local community, which made his stay in China all the more enjoyable and fulfilling.
Comparing his experiences in both countries, Dr. Yousaf praised the top-notch educational facilities and campus environment at WKU, which he believes are among the best he has seen. He was particularly impressed by the dedication and hard work of the students, who he observed constantly filling up the halls of the College of Business with their diligent study habits. "Self-discipline and hard work are the shining points of WKU students," he remarked.
Looking ahead, Dr. Yousaf is excited to continue his research in the areas that interest him and to contribute to the education and development of WKU's outstanding students. He believes that he has found a welcoming and stimulating academic community at WKU, and looks forward to many fruitful years of collaboration and growth.
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