Credit Constraints and Fraud Victimization: Evidence from a Representative Chinese Household Survey

时间：2021年12月29日（周三）上午10：30-12：00

参会方式：线上腾讯会议平台（若有意参会，请发送姓名、学院至18701189960@163.com以获取会议链接，仅限北大师生）

主持人：
          （国发院）赵耀辉、李玲、刘国恩、雷晓燕、张丹丹
             （经院）秦雪征、石菊、王耀璟、袁野、Kevin Devereux

主讲人：马媛媛  (中南财经政法大学文澜学院副教授)

论文摘要： 

How and why do household credit constraints affect fraud victimization when households face fraud schemes? Using the urban sample of a novel nationally representative data set on fraud victimization and household finance, we find that households facing credit constraints are associated with a higher probability of becoming fraud victims and suffer from higher economic losses from frauds than households not facing such constraints. Further analyses show that the personal discount rate and the need for social network expansion are critical pathways via which credit constraints affect fraud victimization.

主讲人简介：

Yuanyuan Ma is an Associate Professor in Wenlan School of Business at Zhongnan University of Economics and Law. She is also a Visiting Research Fellow at Trinity College Dublin and a Research Affiliate of IZA. Her research covers a wide range of topics in health economics, population economics and development economics. Her work has been published in Journal of Health Economics, Health Economics, World Development, Population Space and Place, and etc.