First Author:   Hwang Kim Chinese University of Hong Kong kimhwang@baf.cuhk.edu.hk   1134 Cheng Yu Tung BD, 12 Chak Cheung ST, Shatin, Hong Kong Hong Kong, 00000, Hong Kong   853-3779-9269(Phone) 853-3779-9269(Fax) Second Author: Yuinyon Kim Korea Investment Corporation richard.kim@kic.go.kr