講座題目：A Good Sketch is Better than A Long Speech: Evaluate Delinquency Risk through Real-Time Video Analysis

講座時間：2022年11月15日（星期二）中午12:00-13:30

講座方式：騰訊會議ID：853-887-238

密碼：221115

講座鏈接：https://meeting.tencent.com/dm/x4CnhnISjamU

主講人：

石勁教授現(xiàn)任澳大利亞麥考瑞大學商學院金融學教授、博士生導師, 澳大利亞國立大學金融學博士畢業(yè)?，F(xiàn)為澳大利亞和新西蘭會計和金融協(xié)會會士，亞洲金融協(xié)會理事， SSCI來源期刊《Accounting and Finance》副總編、《Journal of Accounting Literature》領域主編和《Research in International Business and Finance》副主編。

研究領域主要包括中國資本市場、金融科技、公司金融、公司治理和企業(yè)經(jīng)營策略等，已在American Economic Review, Journal of Political Economy, Administrative Science Quarterly, Strategic Management Journal， Management Science,《經(jīng)濟研究》等國內(nèi)外學術期刊發(fā)表論文70余篇。

講座簡介：

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.