主讲人：张博辉 教授

Guest Speaker: Professor Bohui Zhang

主持人：胡宏兵 教授

Host: Professor Hongbing Hu

讲座时间：2020.12.19（周六）下午3:30-5:00

Time: 3:30-5:00pm, 19/12/2020

讲座地点：304永利集团官网入口南湖校区文泉南楼106室

Venue: Room 106, Wenquan Building, South Lake Campus, ZUEL

腾讯会议：590 858 875

Tencent Conference ID: 590 858 875

网址链接：

Website Link: 

报告人：张博辉教授

内容摘要（Abstract）：

We examine the role of borrowers’ digital footprints in debt collection. Using a large sample of personal loans from a fintech lender in China, we find that the information acquired by the lender through borrowers’ digital footprints can increase the repayment likelihood on delinquent loans by 18.5%. The effect can be explained by two channels: bonding borrowers’ obligations with their social networks and locating borrowers’ physical locations. Moreover, the lender is more likely to approve loan applications from borrowers with digital footprints, even though these borrowers may occasionally have a higher likelihood of delinquency. The use of digital footprints can remain legitimate under stringent privacy protection regulations and fair debt collection practices. Our findings suggest that digital footprints, as a new type of collateral, can ultimately enhance financial inclusion by facilitating the lender’s collection of delinquent loans.

主讲人简介（Resume）：

 Bohui Zhang is Presidential Chair Professor of Finance and Executive Associate Dean of School of Management and Economics at The Chinese University of Hong Kong, Shenzhen. He is also the director of the Center for FinTech and Social Finance, and the director of M.Sc. in Data Science at Shenzhen Finance Institute. Before joining CUHK Shenzhen, he was the professor of finance at UNSW Business School, UNSW Sydney, and the associate director of the Institute of Global Finance. He studies the role of information intermediaries on capital markets, Chinese and foreign capital markets, and Fintech. His papers have been accepted for publication in the global top-tier finance, accounting, and business journals. He has also been awarded with research grants from Australian Research Council, the Centre for International Finance and Regulation, Australian School of Business, and National Natural Science Foundation of China. He is also the Vice President of Asian Finance Association.

张博辉教授现任香港中文大学（深圳）经管学院执行副院长、校长讲座教授。张教授还兼任深圳高等金融研究院金融科技与社会金融研究中心主任、数据科学理学硕士项目主任、深圳市大数据研究院理事。张教授担任广东省深圳市决策咨询委员会专家、山东省淄博市决策咨询委员会专家委员。张教授曾于澳大利亚新南威尔士大学商学院任职终身正教授、国际金融中心副主任。张教授于2008年毕业于新加波南洋理工大学获得金融学博士学位，此前分别于2004年在香港科技大学获得经济学硕士学位和2003年在清华大学工程力学系获得工程学学士学位。张教授开展多个方向的研究，包括金融科技、可持续金融、信息媒介对资本市场的影响、中国和外国资本市场。他的研究成果多次发表在国际顶尖学术期刊上。张教授分别于2016年获得澳大利亚国家社会科学院授予的青年研究学者奖章和在2010年获得新南威尔士大学授予的青年研究学者奖章。他曾主持多项澳大利亚国家研究委员会基金项目、新南威尔士大学澳洲商学院研究基金、和参与中国国家自然科学基金面上项目。他现担任亚洲金融学会的副主席。