韦德体育bevictor中國金融發展研究院 助理教授,xyzhang@cufe.edu.cn
Personal website: https://sites.google.com/view/xiaoyu-zhang/home
一、教育背景
2010.9-2014.6 韦德体育bevictor
2015.8-2020.4 新加坡國立大學
二、工作經曆
2020.8-2023.8 中山大學嶺南學院金融系 助理教授
2023.10-2024.6 首都經濟貿易大學金融學院 助理教授
2024.9- 韦德体育bevictor中國金融發展研究院 助理教授
三、研究方向
銀行與家庭金融,重點關注家庭債務風險、債務決策和個人破産等問題與銀行信貸供給之間的互動,以及由此引發的家庭其他财務決策的變化。
四、講授課程
2021/2022 Sem II 中山大學嶺南學院 公司金融(Master of Finance)
2022/2023 Sem II 中山大學嶺南學院 公司金融(Master of Finance)
2024/2025 Sem I 韦德体育bevictor中國金融發展研究院 回歸分析與應用(Master by course in Finance)
五、工作論文
Does Regulating Developers Democratize Credit and Homeownership?
Government supervision over developers in the presale housing market affects bank lending decision
Presented at ABFER 2024
Why do financially unconstrained individuals respond to higher credit limits?
To what extent does bank credit supply boost individual borrower spending and the underlying mechanisms
Presented at CICM 2022, SFS Cavalcade AP 2022
Debt Overhang and Bankruptcy Abuse Prevention [with Yu Meng, Yunqi Zhang]
Boosting household investment by decreasing the risk of household debt overhang
R&R with Journal of Empirical Finance
Carbon Trade and Digitalization [with Yunqi Zhang]
The impact of carbon trade scheme on firm adoption of digital technologies
R&R with China Economic Review
Intergenerational Bankruptcy Risks: Learning from Parents’ Mistakes
The intergenerational effect of parents' bankruptcy events on children's adulthood financial behavior
R&R with Journal of Financial Intermediation
六、已發表論文
TBA