讲座题目：A Good Sketch is Better than A Long Speech: Evaluate Delinquency Risk through Real-Time Video Analysis

讲座时间：2022年11月15日（星期二）中午12:00-13:30

讲座方式：腾讯会议ID：853-887-238

密码：221115

讲座链接：https://meeting.tencent.com/dm/x4CnhnISjamU

主讲人：

石劲教授现任澳大利亚麦考瑞大学商学院金融学教授、博士生导师, 澳大利亚国立大学金融学博士毕业。现为澳大利亚和新西兰会计和金融协会会士，亚洲金融协会理事， SSCI来源期刊《Accounting and Finance》副总编、《Journal of Accounting Literature》领域主编和《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,《经济研究》等国内外学术期刊发表论文70余篇。

讲座简介：

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.