主讲人Speaker: 包郑扬      澳大利亚莫纳什大学

时间Date & Time: 2026年5月15日（周五），10:00--11:30

地点Venue:粤海校区汇星楼565会议室

内容简介/ Abstract:

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.

主讲人介绍/Biography of the speaker：

包郑扬，澳大利亚莫纳什大学高级讲师。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。