微观经济与数字经济教研室学术讲座

报告题目：I Will Pay Later: Time Inconsistency, Self-Control, and Loan Delinquency
报  告 人：包郑扬（莫纳什大学银行与金融系 高级讲师）
主  持 人：李学恒（williamhill中国 副教授）
时      间：2026年5月12日 （周二） 14: 30
地      址：伍沾德堂岭南行政中心214会议室
语      言：中文

摘要:
    Time consistency and self-control are central in achieving long-term economic objectives, yet their role in debt repayment remains understudied. We develop a theoretical framework demonstrating how time inconsistency and limited self-control can lead to unintended loan delinquency. We empirically test the model using a unique dataset of 58,345 fintech loan records. Consistent with the theory, time consistency and self-control measures significantly predict delinquency after controlling for traditional risk factors. These findings suggest that self-control, often overlooked in credit scoring, supplements evaluation of creditworthiness. Our results highlight the potential benefits of incorporating psychological metrics into lending decisions.

报告人介绍： 

       包郑扬（Leo Bao），莫纳什大学银行与金融系高级讲师（Senior Lecturer）。2020年获莫纳什大学经济学博士学位。主要研究领域为实验经济学与金融、金融科技、家庭金融。研究成果发表于Management Science、PNAS、Nature Human Behaviour、Games and Economic Behavior等国际顶级期刊。

       欢迎感兴趣的师生参加！