【讲座时间】2026年11月18日 14:00
【讲座地点】会计学院108室
【讲座主题】Information Processing Costs and Retail Deposit Flows: Evidence from the Release of Integrated Bank Social Performance Data
【嘉宾介绍】林宇鹏，新加坡国立大学
Yupeng is Professor of NUS Business School. He joined the National University of Singapore in July 2016. Before that, he was an Assistant Professor of Accountancy at the City University of Hong Kong. His works have been published in Accounting, Finance, Management and Psychology journals, including The Accounting Review, Journal of Accounting Research, Journal of Accounting and Economics, Review of Accounting Studies, Contemporary Accounting Research, Journal of Financial and Quantitative Analysis, Management Science, Organization Science, Journal of Applied Psychology, and Nature: Human Behaviour.
His research papers are no more than a quiet page or two within the endless records in this miracal world. Their meaning only lies in the chance of finding readers whose hearts echo in sympathy. And so we wait, each of us, for the readers who are truly ours.
【内容提要】
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.
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