应学院运营与财务管理研究所罗劲博教授邀请，香港中文大学（深圳）经管学院副院长张博辉教授将参加至公会计论坛，并带来精彩报告。欢迎感兴趣的老师和同学参加！

讲座主题：Digital Footprints as Collateral for Debt Collection

主 讲 人：张博辉  教授

主 持 人：罗劲博  教授

讲座时间：2020年9月25日（星期五）早上10:30—12:30

地       点：腾讯会议（会议ID：735 195 035）

会议密码：0925

会议直播地址: https://meeting.tencent.com/l/feHIFqCJcEn0

讲座简介：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 addresses. Moreover, the lender is more likely to approve loan applications from borrowers with digital footprints, even though these borrowers have a higher likelihood of delinquency. The use of digital footprints remains legitimate in many instances 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：

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，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。张教授开展多个方向的研究，包括信息媒介对资本市场的影响、中国和外国资本市场、金融市场。他的研究成果多次发表在国际顶尖学术期刊上，包括Review of Financial Studies、Journal of Financial Economics、Journal of Accounting Research、Management Science、Journal of Financial Quantitative and Analysis、Journal of International Business Studies等。张教授是多个国际金融学术组织年会组委会成员，担任亚洲金融学会（Asian Finance Association）的副主席、国际顶尖公司治理杂志Corporate Governance: An International Review的副主编，还（曾）担任Financial Review, Asia-Pacific Journal of Accounting & Economics, Asia-Pacific Journal of Financial Studies等高水平SSCI期刊的副主编。