Xiaoyu ZHANG (张笑语)

Welcome to my site!

• • I am currently an Assitant Professor at Central University of Finance and Economics. I received my Ph.D. degree from National University of Singapore in 2020. 

• • My research interests are in household finance and banking. My work focuses on the credit supply from banks and other financial institutions, and the impact on household consumption, and borrowing behavior. I am also interested in housing market.

Contact information

• • xiaoyuzhang[AT]u.nus.edu