时间：2019年12月19日（周四）14：00

地点：经管楼301室

主讲人：路磊，加拿大曼尼托巴大学金融学讲席教授

题目：The Pricing Strategies of Unsecured Consumer Loan

语言：中文

摘要：We examine a unique proprietary dataset of approximately 3 million unsecured consumer loans from a representative sample of households provided by a business-to-consumer (B2C) online retailer in China. We find that the likelihood of a customer being solicited by the loan issuer increases monotonically with creditworthiness and age. The pricing strategies of the loan issuer demonstrate a trade-off pattern. The unsecured consumer loan lender increases the credit supply and charges a higher current rate for the solicited riskier borrowers. After the passage of the China Banking Regulatory Commission (CBRC) Act, this trade-off phenomenon is exacerbated.

个人简介：路磊，加拿大曼尼托巴大学阿斯博商BET体育365投注官网Bryce Douglas讲席教授，博士生导师，金融学研究生项目主任。他于2007年毕业于加拿大麦吉尔大学，获得金融学博士学位。2007-2011年任教于上海财经大学金融BET体育365投注官网，2011-2016年任教于北京大学光华管理BET体育365投注官网。他的研究方向包括资产定价，行为金融和消费金融。他的研究成果发表在Journal of Financial and Quantitative Analysis，Management Science，Journal of Economic Dynamics and Control，Economic Theory，Journal of Futures Markets和Economics Letters 等英文期刊。