报告题目
Smart Natural Disaster Relief: Assisting Victims with Artificial Intelligence in Lending
报告人（单位）
刘祎迪(经管学院, 香港中文大学（深圳）)
点评人（单位）
何勇
（东南大学）
点评人（单位）
周思佳
（东南大学）
时间地点
时间：2023年12月19日（周二）下午14：00
地点：经管楼B-201
报告内容摘要
报告内容：
Natural disasters wreak economic havoc and cause financial distress for victims. Commercial loans provided by lending firms play a key role in helping victims recover from disasters. This research note studies whether lenders’ use of artificial intelligence (AI) in the lending process can, through reducing delinquency, benefit borrowers who experience natural disasters. Collaborating with a leading credit-scoring company, we track borrowers’ loan applications and lenders’ use of customized AI solutions in assessing loan risks. We find that borrowers who apply to AI-empowered lenders fare better in reducing delinquency rates after experiencing natural disasters. Notably, such a disaster mitigation effect is more pronounced for borrowers with lower credit scores. We explore the possible mechanisms at play and discuss the implications of our findings.
报告人简介：
刘祎迪是中国香港中文大学（深圳），经管学院的助理教授。刘祎迪博士在香港城市大学获得信息系统博士学位，他本科毕业于华中科技大学，专业为物流管理。他的研究兴趣包括数字经济、人工智能和普惠金融，主要关注它们对社会的影响和应用。此外，他对社交商务、社交影响和游戏也有兴趣。在研究中，他主要运用计量经济学、机器学习、文本挖掘和网络分析等方法。他已在知名的信息系统期刊，如Information Systems Research、Decision Support Systems和Information Technology and People上发表过多篇论文。