信息处理成本和个人储蓄行为：来自综合银行社会责任表现的披露
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时间和日期
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2026-04-03 (星期五) 10:30 上午
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12:00 下午
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| 标题 | 信息处理成本和个人储蓄行为：来自综合银行社会责任表现的披露 |
| 日期和时间 |
2026年4月3日（周五） 10:30-12:00 |
| 地点 | 会议楼II，103会议室 |
| 主讲人 | 林宇鹏教授 新加坡国立大学 |
| 摘要 |
Abstract: In 2020, the Federal Reserve Board began releasing integrated data tables of the Community Reinvestment Act (CRA) performance evaluations and lending activities for randomly selected banks. We find that after the data release, affected banks with poor historical CRA ratings show lower growth in retail deposits, but not wholesale deposits. This contrasts with the lack of reaction to the initial release of poor CRA ratings among retail deposits, but a negative reaction among wholesale deposits. The decline in retail deposit growth following the data release is more pronounced for banks with higher negative information intensity and a greater proportion of deposits with high educational attainment and community involvement. While affected banks with poor historical ratings increase mortgage approvals in CRA assessment areas following the data release, this comes at the cost of lower credit quality. Overall, our findings suggest the importance of considering information processing costs in improving stakeholder involvement.
Keywords: bank social performance; retail deposit flows; information processing costs JEL codes: D80, G21, M14 |
| 主讲人简介 | 宇鹏是新加坡国立大学商学院教授兼助理院长（学术研究）。他于2016年7月加入新加坡国立大学。在此之前，他曾任香港城市大学会计学助理教授。他的研究成果已发表在会计与金融领域的顶级期刊上，包括《The Accounting Review》、《Journal of Accounting Research》、《Journal of Accounting and Economics》、《Management Science》、《Organization Science》、《Journal of Financial and Quantitative Analysis》、《Review of Accounting Studies》、《Contemporary Accounting Research》、《Journal of Applied Psychology》和《Nature: Human Behaviour》。 |
