Speaker: Junhong Yang
Affiliation: The University of Sheffield
This seminar will feature Dr Junhong Yang of the University of Sheffield whose research investigates how the presence and lending capacity of traditional banks shapes the growth and local outreach of peer-to-peer lending.
Dr Yang will explain his findings which reveal that areas financially underserved by the traditional banking system experience higher peer-to-peer lending growth and that it is more pronounced in areas with a lower presence of small banks. He will also show that local peer-to-peer lending growth is associated with lower borrower default risk as well as that online marketplaces benefit borrowers by improving their credit scores.
About the Speaker
Dr Junhong Yang is a full-time Assistant Professor at the Sheffield University Management School. His research expertise is in corporate finance, financial technology, social media, financial inclusion, and innovation. He has published in leading journals such as the Journal of Corporate Finance, Oxford Economics Papers, and the European Journal of Finance.
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