Associate Professor Feng Lingbing's Research Published on Top International Journal

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Recently, a paper co-authored by Associate Professor Feng Lingbing from the School of Statistics and Data Science was accepted and published online in Review of Finance, a top-tier international journal in finance. The paper, titled "A Good Sketch is Better than A Long Speech: Evaluate Delinquency Risk through Real-Time Video Analysis", was co-authored with Professor Chang Xiangyu from Xi'an Jiaotong University, Professor Lili Dai from the University of New South Wales, Professor Jianlei Han from Macquarie University, Professor Jing Shi from Zhongnan University of Economics and Law, and Professor Bohui Zhang from the Chinese University of Hong Kong, Shenzhen. The authors are listed in alphabetical order by surname.

This paper is the first to innovatively assess borrowers' creditworthiness in the consumer credit market by analyzing real-time video information of borrowers during the loan application process using deep learning-based frame-by-frame analysis. The study found that the level of happiness displayed by borrowers is negatively correlated with the likelihood of loan delinquency, while the level of fear is positively correlated with delinquency risk. These results align with two economic mechanisms discussed in the psychology and economics literature: the sufficiency of future income and uncertainty. This research provides significant practical insights for financial technology lenders and policymakers.

Review of Finance is one of the internationally recognized top journals in finance and is the official journal of the European Finance Association. It is also listed among the FT50 journals. This publication marks the first time our university has been featured in this prestigious journal.