科学研究
报告题目：A Good Sketch is Better than A Long Speech: Evaluate Delinquency Risk through Real-Time Video Analysis
报告人：石劲
报告时间：2023年3月7日（周二）10:00-11:30
报告地点：腾讯会议（会议ID：501 555 072）
主办单位：东北财经大学会计学院
【报告摘要】
In this paper, we adopt an innovative strategy to assess borrowers’ creditworthiness in consumer credit markets. This new assessment strategy applies machine-learning based analyses on real-time video information that records borrowers’ behavior during the loan application process. We find that the extent of borrowers’ facial expressions of happiness is negatively associated with the likelihood of future loan delinquency. In contrast, such delinquency likelihood increases with the degree of fear expressions. These results are consistent with two economic channels relating to the adequacy and uncertainty of borrowers’ future income, drawn from the extant psychology and economics literature. Our study provides important practical implications for marketplace lenders and policymakers.
【报告人简介】
石劲，澳大利亚麦考瑞大学商学院金融学教授、博士生导师，博士毕业于澳大利亚国立大学金融学专业。现为澳大利亚和新西兰会计与金融协会会士、亚洲金融协会理事、SSCI来源期刊Accounting and Finance副总编、Journal of Accounting Literature领域主编、Research in International Business and Finance副主编。研究领域主要包括中国资本市场、金融科技、公司金融、公司治理和企业经营策略等，已在American Economic Review、Journal of Political Economy、Administrative Science Quarterly、Strategic Management Journal、Management Science及《经济研究》等国内外学术期刊发表论文70余篇。
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