为增强学院学术氛围，加强学术科研合作，金融科技学院持续开展系列学术讲座。2025年7月3日上午，学院特邀请美新加坡国立大学商学院讲席教授钱文澜作专题学术讲座。

本次讲座中，钱文澜教授介绍了其在金融领域的最新研究成果。随着金融科技的发展和智能手机的普及，电子钱包不仅支持即时交易，还提供带有金融回报的现金管理产品，因此越来越受到欢迎。通过使用来自全球最大的电子钱包提供商支付宝的独特数据集，我们发现，与没有支付功能的类似资产相比，余额宝（一种可用于支付的投资产品）的持有量受利率变动的影响较小。这种影响在依赖余额宝进行日常消费、支付高峰期或经验较少的投资者中更为显著。我们的研究显示，每降低一个百分点的利率，余额宝将零售资金流向风险较高资产的比例减少了7.7%，从而通过投资组合再平衡渠道减弱了货币政策的效果。

讲座现场气氛热烈而活跃，讲座结束后学院师生与嘉宾进行了深入互动交流和研究问题探讨。学院陈海强院长为嘉宾颁发感谢函，感谢钱文澜教授的精彩分享。

主讲嘉宾介绍：

Wenlan Qian is Professor of Finance and Real Estate and Ng Teng Fong Chair Professor in Real Estate at the NUS Business School. She is fellow of the Asian Bureau of Finance and Economics Research, Luohan Academy at Alibaba Group, and the Homer Hoyt Weimer School of Advanced Studies in Real Estate and Land Economics.  

Wenlan Qian's main research interests are household finance, real estate, digitization and FinTech, and financial intermediaries. Her research is accepted for publication at top academic journals such as American Economic Review, Journal of Financial Economics, Review of Financial Studies, Review of Economics and Statistics, American Economic Journal: Economic Policy, Management Science, Real Estate Economics, Journal of Financial and Quantitative Analysis, and Review of Finance. She is also the recipient of multiple prestigious external grants. Wenlan Qian holds a PhD in Business Administration from the Haas School of Business, University of California, Berkeley.