Assistant Professor
School of Finance
Shanghai University of Finance and Economics
Email: tingtinzhu at gmail dot com
Research fields: financial economics, macroeconomics
PhD UC Davis, MSc LSE, BS Peking University
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RESEARCH
Credit Supply of a Competing Platform: Technology Discrimination [link]
Endogenous technology discrimination can replicate loan pricing discrimination based on borrowers’ nonfinancial affiliation, while still maintaining risk-based pricing, and it emerges as an under-explored information-sharing phenomenon.
Digital Transformation in Credit Markets: Bank Catch-Up and Geographic Expansion [link]
Banks’ digital upgrades, featuring information dimension expansion and geographic scalability, can be self-fulfilling, with potential losses in credit efficiency.
Digital Disruptions and Penetrations in Credit Markets: Fintech Entry and Bank Catch-up [link]
Strategic feedback between fintech entry and bank technology catch-up results in various degrees of credit market digital transformation, and inefficient entry can occur at different levels of digital transformation.
Good Spillovers, Bad Spillovers [link]
The general equilibrium effects of housing prices shape asymmetric spillovers between banks and shadow banks.
Collateral Constraint Amplification of Fiscal Policy across Business Cycles [link]
This paper endogenizes the extensive margin of collateral constrained households to generate a sizable asymmetry in fiscal multipliers.
Monetary Policy Channel of Asymmetric Fiscal Multipliers [link]
Shutting down monetary policy channels in time-varying vector auto-regressive models has insignificant effects on the asymmetry in fiscal multipliers.
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