ERICA XUEWEI JIANG

Welcome! I am an Assistant Professor of Finance at UCLA Anderson School of Management. I obtained my PhD in Finance from UT-Austin. 

My research examines how financial institutions, market structure, and government interventions interact to shape outcomes in the real economy. These questions lie at the intersection of banking, industrial organization, household and corporate finance, and macroeconomics. My recent work focuses on the changing landscape of financial intermediation, including the rise of financial technology and the interplay between banks and non-bank financial institutions, as well as their implications for regulation, policy, and economic performance.

Download CV HERE [08/2025]

Google Scholar Profile

What's New:

1. "Bank Competition Amid Digital Disruption: Implications for Financial Inclusion" is forthcoming in the Journal of Finance: [SSRN]

2. "Monetary Tightening, Commercial Real Estate Distress, and US Bank Fragility" is accepted by the Journal of Political Economy - Macroeconomics: [SSRN]

3. "Collateral Value Uncertainty and Mortgage Credit Provision" is accepted by the Journal of Financial Economics: [SSRN]  

4. "Branching Out Inequality: The Impact of Credit Equality Policies" is posted: [SSRN]

5. "The Rise of Non-Banks in Servicing Household Debt" is revised: [SSRN]

6. "The Pricing of Property Tax Revenue" is posted: [SSRN]