财会系博士生分享会——“优博计划”第六期

      主讲人：黄文礼，浙江财经大学中国金融研究院研究员、浙江大学互联网金融研究院数学与互联网金融研究中心研究员

      主题：金融环境与网络借贷行业的发展

（二）  第二阶段：“优博计划”分享

    黄文礼，浙江财经大学中国金融研究院研究员，浙江大学互联网金融研究院数学与互联网金融研究中心研究员，研究领域：资产定价、公司金融、金融风险管理以及金融科技等。在国内权威学术杂志《系统工程理论与实践》、《应用数学学报》、《数学物理学报》、《数学学报》以及国际学术杂志Economic Modelling、Applied Mathematics and Mechanics、Applied Stochastic Models in Business & Industry、International Review of Economics and Finance等发表论文三十余篇。

学术分享简介：

   With Chinese government’s active advocacy of Internet finance to support the development of inclusive finance, will political connection affect the value of inclusive finance in P2P lending companies? Based on the data of China's  P2P lending companies, I empirically test the impact of political connection on the value of inclusive finance. The study finds that political connection deviate lending behavior of P2P lending companies from the development requirements of inclusive finance by weakening the coverage of online lending business loans, increasing the coverage depth, and making the guarantee conditions more stringent. Compare between 2 kinds of political connections, the shareholder's political connection has a higher degree of weakening of the inclusive financial value of the lending behavior of P2P lending companies than the executive's political connection.