讲座题目：Big techs, QR code payments and financial inclusion

讲座时间：2022年06月09日（星期四）10:00-11:30

讲座方式：腾讯会议 ID：547-183-494

密码：0609

讲座链接：https://meeting.tencent.com/dm/Mnw6vpeV5AdJ

主讲人：邱晗，国际清算银行经济学家，经济学博士。研究方向为金融科技、宏观经济等，研究成果发表在《管理世界》《金融研究》《国际经济评论》、Review of Finance、Economics Letters等国内外重要学术刊物，研究结论被The Economist（经济学人）、Bloomberg（彭博社）、人民网、财经等国内外著名媒体杂志引用转载，曾获《金融研究》优秀论文奖等荣誉。

讲座简介：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.