Topic: Credit Constraints and Fraud Victimization: Evidence from a Representative Chinese Household Survey
Abstract: 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 constrains affect fraud victimization.
Speaker Profile: Ma Yuanyuan
Dr. Ma Yuanyuan is an Associate Professor at Wenlan School of Business, Zhongnan University of Economics and Law. She is a Research Fellow at Trinity College, University of Dublin and a member of the European Institute of Labour Studies. Dr Ma's research covers health economics, population economics and development economics and her work has been published in internationally renowned journals such as Jourmal of Health Economics, Demography, Health Economics, World Development.
Time: 7 April 2022 (Thursday) 20:00-21.30 ( Beijing time) 13:00-14:30 (UK time)