Lin Shen
Institution
INSEAD
PhD Year
2019
lin.shen@insead.edu
FTG Membership
Member
Website
https://sites.google.com/view/linshen
Featured Work
Voluntary Data Sharing in Lending Competition
Jul 31, 2026
Conventional wisdom holds that an incumbent bank would never voluntarily share proprietary borrower data with a competing lender. We study lending competition in which the incumbent owns data that generate informative signals about borrower quality and chooses how much to make portable to an entrant. When the data identify high-quality borrowers, sharing softens the entrant’s bidding after unfavorable signals more than it sharpens competition after...
