Papers

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Data Regulation in Credit Markets

Yan Xiong , Uday Rajan   Jan 26,2025

Working Paper No.00148-00

We study a credit market in which lending decisions depend on a borrower's digital profile, and the borrower can manipulate... Read More

Information Technology and Lender Competition

Zhiqiang Ye, Xavier Vives   Aug 01,2024

Working Paper No.00129-01

We study how information technology (IT) affects lender competition, entrepreneurs’ investment, and welfare in a spatial model. The effects of... Read More

Blockchain for Environmental Monitoring: Theory and Empirical Evidence from China

Yuanyu Qu,Guojun Wang, Lin William Cong (叢林)   Nov 21,2024

Working Paper No.00144-00

We present the first piece of empirical evidence on blockchain adoption for environmental monitoring. Using a staggered difference-in-difference (DID) framework,... Read More