主题：I Will Pay Later: Time Inconsistency, Self-Control, and Loan Delinquency
报告时间：2026年5月29日（周五）上午9：30-11：30
报告地点：文化中心305会议室
主讲人：澳大利亚莫纳什大学 包郑扬副教授
内容摘要：
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.
嘉宾简介：
包郑扬，澳大利亚莫纳什大学副教授。研究领域为行为经济学与金融创新。目前主要研究科技创新如何改变人们的经济金融决策，相关成果发表于PNAS, Nature Human Behavior, Games and Economic Behavior, Management Science, JFQA等国际权威期刊。
