管理科学与工程系学术讲座

题目: 信贷人工智能对自然灾害受灾人群的援助

Smart Natural Disaster Relief: Assisting Victims with Artificial Intelligence in Lending

演讲人: 刘祎迪，助理教授，香港中文大学（深圳）

时间: 2023年12月21日下午15：00

地点: 同济大厦A楼308教室 腾讯线上同步

会议号：898720250

会议密码：558173

讲座摘要:

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.

演讲嘉宾简介:

Yidi Liu is an Assistant Professor at School of Management and Economics, the Chinese University of Hong Kong, Shenzhen. Yidi Liu received his Ph.D. degree in Information Systems from the City University of Hong Kong. He received a bachelor’s degree in Logistics Management from Huazhong University of Science and Technology. He is interested in and has been working on topics of Digital Economics, Artificial intelligence, and Inclusive Finance, focusing on their societal implications and applications. He is also interested in social commerce, social influence, and gaming. He mainly leverages Econometrics, Machine Learning, Text Mining, and Network Analysis in doing research.