講座題目：Big techs, QR code payments and financial inclusion

講座時(shí)間：2022年06月09日（星期四）10:00-11:30

講座方式：騰訊會(huì)議 ID：547-183-494

密碼：0609

講座鏈接：https://meeting.tencent.com/dm/Mnw6vpeV5AdJ

主講人：邱晗，國(guó)際清算銀行經(jīng)濟(jì)學(xué)家，經(jīng)濟(jì)學(xué)博士。研究方向?yàn)榻鹑诳萍肌⒑暧^經(jīng)濟(jì)等，研究成果發(fā)表在《管理世界》《金融研究》《國(guó)際經(jīng)濟(jì)評(píng)論》、Review of Finance、Economics Letters等國(guó)內(nèi)外重要學(xué)術(shù)刊物，研究結(jié)論被The Economist（經(jīng)濟(jì)學(xué)人）、Bloomberg（彭博社）、人民網(wǎng)、財(cái)經(jīng)等國(guó)內(nèi)外著名媒體雜志引用轉(zhuǎn)載，曾獲《金融研究》優(yōu)秀論文獎(jiǎng)等榮譽(yù)。

講座簡(jiǎn)介：Using a unique dataset of around half a million Chinese firms that use a QR code-based mobile payment system, we find that (i) the creation of a digital payment footprint allows firms to access credit provided by the same big tech company; (ii) transaction data generated via QR code generate spillover effects on access to bank credit; and (iii) there are positive effects of access to big tech credit on sales, including during the Covid-19 shock. The findings suggest that access to innovative payment methods helps micro firms build up credit history, and that using big tech credit can ease access to bank credit.