题　目：Smart Natural Disaster Relief: Assisting Victims with AI in Lending

嘉　宾：Yidi LIU, Ph.D. graduate, City University of Hong Kong

主持人：刘佳璐  助理教授  上海交通大学安泰经济与管理学院

时　间：2022年11月17日（周四） 14:00-15:30

地　点：腾讯会议 (校内师生如需会议号和密码，请发送电邮至xuziqing@sjtu.edu.cn获取)

内容简介:

Natural disasters wreak economic damage and financial distress on victims. In addition to traditional disaster-relief channels sponsored by the government and charities, commercial loans offered by lending firms play a key role in assisting victims to recover from disasters. However, these loans come with costs and may exacerbate borrowers’ financial distress, resulting in loan delinquency or default because of victims’ impaired ability to repay. In this paper, we study whether lenders’ use of AI in the lending process can benefit borrowers who suffer from natural disasters in terms of reducing delinquency. Collaborating with a leading credit scoring company, we track borrowers’ loan applications and lenders’ use of customized AI solutions in assessing loan risk. We find that borrowers applying to AI-empowered lenders fare better in reducing delinquency under natural disasters. Notably, such a disaster-mitigating effect is more pronounced for borrowers with lower credit scores. We explore possible mechanisms under play and discuss the implications of our findings.  演讲人简介：

Yidi Liu is a Ph.D. graduate from the Department of Information Systems, the City University of Hong Kong. He received a bachelor’s degree in Logistics Management from Huazhong University of Science and Technology. He is interested in and has been working on topics of Internet Finance, Artificial intelligence, Fin-tech, with a particular focus on their societal implications and applications. He has published and presented in several conferences (CSWIM 2019, ICSH 2019, ICIS-WeB 2019, WITS 2019, POMS-HK 2020). His two job market papers both received invited resubmissions from Information Systems Research.

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