财政与货币金融教研室学术讲座

报告题目：The Transformative Role of Artificial Intelligence and Big Data in Banking
报  告 人：夏俊杰（中央财经大学经济学院 长聘副教授）
主  持 人：由林青（中山大学岭南学院 助理教授）
时     间：2025年05月09日（周五）12:30
地     址：岭南堂汪道涵会议室（101）
语     言：中文

摘要：

       This study examines the impact of artificial intelligence (AI) and big data on the banking sector, leveraging a comprehensive dataset of over 4.5 million loans issued by a major commercial bank in China between 2015 and 2023. Using a policy mandate to adopt AI and big data as an exogenous shock, our analysis reveals that the integration of these technologies significantly enhances credit rating accuracy and reduces loan default rates, particularly benefiting small and medium-sized enterprises. Specifically, the rate of unclassified credit ratings decreases by 2.4 percentage points (a 40.1% reduction), and loan default rates decline by 2.7 percentage points (a 29.6% reduction). By analyzing the timeline of the bank's adoption of different technologies, we find that integrating big data with AI models and recognition technologies has a more profound impact than traditional FinTech models. Our findings highlight the informational advantages of AI and big data and their role in enhancing operational efficiency, improving risk management capabilities, and promoting financial inclusion for small businesses in financial institutions.

报告人简历：

       夏俊杰中央财经大学经济学院长聘副教授，新结构经济学研究中心主任，同时兼任北京大学新结构经济学研究院兼职教授。主要研究领域涵盖新结构经济学、宏观经济学、金融学和发展经济学。研究成果发表于《The Economic Journal》、《Economic Theory》、《Journal of Banking and Finance》、《Journal of Financial and Quantitative Analysis》以及《Journal of International Money and Finance》等经济金融学术期刊。2017年在美国南加州大学获得经济学博士学位，并于2017至2021年担任北京大学新结构经济学研究院助理教授。目前主持一项国家自然科学基金面上项目，曾参与多项国家自然科学基金的专项项目和面上项目以及一项美国国家科学基金研究项目。

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