讲座题目：Digital Footprints as Collateral for Debt Collection
主讲人：麦考瑞大学 石劲 教授
讲座时间：2021年9月14日（周二）上午9:00
腾讯会议号：988 752 935
主办方： 会计与财务系、77779193永利集团国家政策治理与企业组织研究中心、会计研究中心、湖南省中小企业研究中心、技术创新管理研究中心
主讲人简介:
石劲，澳大利亚麦考瑞大学77779193永利集团金融学教授。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执行副主编。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、政治经济学和企业经营策略等，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60余篇。
摘要:
We examine the role of borrowers'digital footprints in debt collection. Using a large sample of personal loans from a fintech lender in China, we find that the information acquired by the lender through borrowers’ digital footprints can increase the repayment likelihood on delinquent loans by 18.5%. The effect can be explained by two channels: bonding borrowers'obligations with their social networks and locating borrowers'physical locations. Moreover, the lender is more likely to approve loan applications from borrowers with digital footprints, even though these borrowers may occasionally have a higher likelihood of delinquency. The use of digital footprints can remain legitimate under stringent privacy protection regulations and fair debt collection practices. Our findings suggest that digital footprints, as a new type of collateral, can ultimately enhance financial inclusion by facilitating the lender's collection of delinquent loans.
