vincent w. yao : Citation Profile

Georgia State University

15

H index

17

i10 index

1219

Citations

RESEARCH PRODUCTION:

27

Articles

24

Papers

RESEARCH ACTIVITY:

   22 years (2003 - 2025). See details.
   Cites by year: 55
   Journals where vincent w. yao has often published
   Relations with other researchers
   Recent citing documents: 142.    Total self citations: 16 (1.3 %)

EXPERT IN:

   Consumer Economics: Empirical Analysis
   General Financial Markets
   Household Analysis

MORE DETAILS IN:
ABOUT THIS REPORT:

   Permalink: http://citec.repec.org/pya131
   Updated: 2026-01-10    RAS profile: 2025-04-27    
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Relations with other researchers

Works with:

Di Maggio, Marco (2)

He, Zhiguo (2)

Authors registered in RePEc who have co-authored more than one work in the last five years with vincent w. yao.

Is cited by:

Willen, Paul (26)

Peydro, Jose-Luis (24)

Fuster, Andreas (19)

Seiler, Michael (18)

Gerardi, Kristopher (18)

Yannelis, Constantine (15)

Ramadorai, Tarun (15)

Campbell, John (15)

Cumming, Fergus (12)

Vickery, James (12)

Seru, Amit (10)

Cites to:

Agarwal, Sumit (45)

Campbell, John (32)

Seru, Amit (31)

Ben-David, Itzhak (23)

Souleles, Nicholas (19)

Vig, Vikrant (18)

Mayer, Christopher (16)

Willen, Paul (16)

Amromin, Gene (15)

Keys, Benjamin (14)

Gerardi, Kristopher (14)

Main data

Where vincent w. yao has published?

Journals with more than one article published# docs
Journal of Urban Economics3
The Journal of Real Estate Finance and Economics3
Applied Economics Letters3
Journal of Real Estate Research2
The Annals of Regional Science2
Regional Economic Development2

Working Papers Series with more than one paper published# docs
NBER Working Papers / National Bureau of Economic Research, Inc12
Working Paper / USC Lusk Center for Real Estate2
Discussion Papers / University at Albany, SUNY, Department of Economics2

Recent works citing vincent w. yao (2025 and 2024)

YearTitle of citing document
2024Real Effects of Markets on Politics: Evidence from US Presidential Elections. (2024). Lin, Leming ; Koch, Andrew ; Crane, Alan D. In: American Economic Review: Insights. RePEc:aea:aerins:v:6:y:2024:i:1:p:73-88.

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2025Consumer Credit Reporting Data. (2025). van der Klaauw, Wilbert ; Guttman-Kenney, Benedict ; Gibbs, Christa ; Nelson, Scott ; Lee, Donghoon ; Wang, Jialan. In: Journal of Economic Literature. RePEc:aea:jeclit:v:63:y:2025:i:2:p:598-636.

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2024On the Convergence of Credit Risk in Current Consumer Automobile Loans. (2024). Pozdnyakov, Vladimir ; Yan, Jun ; Lautier, Jackson P. In: Papers. RePEc:arx:papers:2211.09176.

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2024The Mortgage Cash-Flow Channel: How Rising Interest Rates Impact Household Consumption. (2024). Caspi, Itamar ; Segev, Nimrod ; Eshel, Nadav. In: Papers. RePEc:arx:papers:2410.02445.

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2025The Market Effects of Algorithms. (2025). Raymond, Lindsey. In: Papers. RePEc:arx:papers:2508.09513.

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2024Winners and Losers from Property Taxation. (2024). Karlman, Markus ; Balke, Kasper Kragh ; Kinnerud, Karin. In: Working Papers. RePEc:bbq:wpaper:0011.

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2024Payment Technology Complementarities and their Consequences in the Banking Sector: evidence from Brazil’s Pix. (2024). ORNELAS, JOSE ; Sampaio, Matheus C ; Haas, Jose Renato. In: Working Papers Series. RePEc:bcb:wpaper:600.

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2024Types of consumer credit and bank distribution channels: insights from Italy. (2024). Affinito, Massimiliano ; Santorelli, Francesco ; Santioni, Raffaele ; Sabbi, Federica. In: Questioni di Economia e Finanza (Occasional Papers). RePEc:bdi:opques:qef_879_24.

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2024Collateral Effects: The Role of FinTech in Small Business Lending. (2024). Beaumont, Paul ; Tang, Huan ; Vansteenberghe, Eric. In: Débats Economiques et financiers. RePEc:bfr:decfin:42.

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2025How far can digital innovation improve credit to small firms in emerging market economies?. (2025). Mehrotra, Aaron ; Zampolli, Fabrizio ; Doerr, Sebastian ; Caballero, Julian. In: BIS Bulletins. RePEc:bis:bisblt:99.

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2024Payment technology complementarities and their consequences on the banking sector: evidence from Brazils Pix. (2024). Renato, Jose ; Sampaio, Matheus C. In: BIS Papers chapters. RePEc:bis:bisbpc:152-03.

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2024Non-bank lending and the transmission of monetary policy. (2024). Gorea, Denis ; Cucic, Dominic. In: BIS Working Papers. RePEc:bis:biswps:1211.

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2025The use and disuse of FinTech credit: When buy-now-pay-later meets credit reporting. (2025). Zhang, Yingguang ; Qiu, Han ; Huang, Yiping ; Dong, Yanfei. In: BIS Working Papers. RePEc:bis:biswps:1239.

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2024Is rising student debt affecting retirement savings? Evidence from the survey of consumer finances. (2024). Batkeyev, Birzhan ; Wang, Pinshuo ; Ertugrul, Mine ; Krishnan, Karthik. In: The Financial Review. RePEc:bla:finrev:v:59:y:2024:i:3:p:589-623.

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2024Mortgage Lock‐In, Mobility, and Labor Reallocation. (2024). Liu, LU ; Fonseca, Julia. In: Journal of Finance. RePEc:bla:jfinan:v:79:y:2024:i:6:p:3729-3772.

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2024Financial Sophistication and Consumer Spending. (2024). Jrring, Adam Tejs. In: Journal of Finance. RePEc:bla:jfinan:v:79:y:2024:i:6:p:3773-3820.

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2024Amazon is coming to town: Sequential information revelation in the housing market. (2024). Yoshida, Jiro ; Wilkoff, Sean ; Chen, Yifan. In: Real Estate Economics. RePEc:bla:reesec:v:52:y:2024:i:2:p:277-323.

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2024Heterogeneity in the recovery of local real estate markets after extreme events: The case of Hurricane Sandy. (2024). Ellen, Ingrid Gould ; Meltzer, Rachel. In: Real Estate Economics. RePEc:bla:reesec:v:52:y:2024:i:3:p:714-752.

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2024The unequal distribution of credit: Is there any role for monetary policy?. (2024). Ligonnière, Samuel ; Ouerk, Salima. In: French Stata Users' Group Meetings 2024. RePEc:boc:fsug24:08.

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2024Customer data access and fintech entry: early evidence from open banking. (2024). Bahaj, Saleem ; Babina, Tania ; Buchak, Greg ; Mazzola, Francesco ; de Marco, Filippo ; Foulis, Angus ; Gornall, Will ; Yu, Tong. In: Bank of England working papers. RePEc:boe:boeewp:1059.

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2024The Mortgage Cash-Flow Channel: How Rising Interest Rates Impact Household Consumption. (2024). Segev, Nimrod ; Eshel, Nadav ; Caspi, Itamar. In: Bank of Israel Working Papers. RePEc:boi:wpaper:2024.13.

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2025The social spillovers of homeownership: evidence from institutional investors. (2025). Billings, Stephen B ; Soliman, Adam. In: CEP Discussion Papers. RePEc:cep:cepdps:dp2123.

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2024Financial Skills and Search in the Mortgage Market. (2024). Cota, Marta ; Sterc, Ante. In: CERGE-EI Working Papers. RePEc:cer:papers:wp780.

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2024Taxing Homeowners Who Won’t Borrow. (2024). Wong, Francis. In: CESifo Working Paper Series. RePEc:ces:ceswps:_11185.

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2025Subjective Expectations and Financial Intermediation. (2025). Wang, Zhengwei ; Lu, Kai ; Gao, Janet ; D'Acunto, Francesco ; Liu, LU ; Yang, Jun. In: CESifo Working Paper Series. RePEc:ces:ceswps:_11780.

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2024Cream-skimming through PPAs – Interactions between Private and Public Long-term Contracts for Renewable Energy. (2024). Kroger, Mats. In: Discussion Papers of DIW Berlin. RePEc:diw:diwwpp:dp2092.

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2024Residual-debt insurance and mortgage repayments. (2024). Mastrogiacomo, Mauro ; Kim, Yeorim. In: Working Papers. RePEc:dnb:dnbwpp:823.

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2024Icing on the cake: Can the Top-Floor Units serve as a status good and an investment simultaneously?. (2024). Leung, Charles ; Ho, Edward Chi ; Ka, Charles. In: ISER Discussion Paper. RePEc:dpr:wpaper:1252.

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2025Monetary policy transmission: a reference guide through ESCB models and empirical benchmarks. (2025). Priftis, Romanos ; Notarpietro, Alessandro ; Mandler, Martin ; Lozej, Matija ; Imbierowicz, Bjorn ; Casalis, André ; Buss, Ginters ; Berg, Tim ; Theofilakou, Anastasia ; Kornprobst, Antoine ; Brzdik, Frantiek ; Nilavongse, Rachatar ; Hernndez, Catalina Martnez ; Kalantzis, Yannick ; Bottero, Margherita ; le Gall, Claire ; di Casola, Paola ; Jacquinot, Pascal ; Bonfim, Diana ; Izquierdo, Matas Covarrubias ; Conti, Antonio M ; Haavio, Markus ; Auer, Simone ; Gonalves, Nuno Vilarinho ; Bobasu, Alina ; Grimaud, Alex ; Ambrocio, Gene ; Delis, Panagiotis ; Ciccarelli, Matteo ; Goodhead, Robert ; Reichenbachas, Tomas ; Zlobins, Andrejs ; Rannenberg, Ansgar ; Gomes, Sandra ; Wacks, Johannes ; Odendahl, Florens ; Giammaria, Alessandro ; Vetlov, Igor ; Mller, Georg ; Dupraz, Stphane ; Zimic, Sreko ; Vestin, David ; McClung, Nigel ; Dobrew, Michael ; Repele, Amalia ; Zhutova, Anastasia ; Valderrama, Mara T ; Kortelainen, Mika ; Byrne, David ; Yakut, Dilan Aydin ; Mogliani, Matteo. In: Occasional Paper Series. RePEc:ecb:ecbops:2025377.

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2025Effects of monetary policy on labour income: the role of the employer. (2025). Repele, Amalia ; Bobasu, Alina. In: Research Bulletin. RePEc:ecb:ecbrbu:2025:0129:.

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2025Effects of monetary policy on labor income: the role of the employer. (2025). Repele, Amalia ; Bobasu, Alina. In: Working Paper Series. RePEc:ecb:ecbwps:20253046.

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2025Misguided mortgage choices: Financial literacy, inflation expectations, and borrowing decisions. (2025). Mugerman, Yevgeny ; Ilan, Mordechai. In: Journal of Behavioral and Experimental Finance. RePEc:eee:beexfi:v:47:y:2025:i:c:s2214635025000589.

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2024Bridging the credit gap: The influence of regional bank structure on the expansion of peer-to-peer lending. (2024). Duygun, Meryem ; Yang, Junhong ; Eid, Nourhan. In: The British Accounting Review. RePEc:eee:bracre:v:56:y:2024:i:6:s0890838924002129.

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2025Digital financial inclusion and middle-income group vulnerability alleviation: Evidence from China. (2025). Li, Hebo ; Wang, Cheng ; Liu, Yulin. In: China Economic Review. RePEc:eee:chieco:v:89:y:2025:i:c:s1043951x24002049.

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2025Zombie lending due to the fear of fire sales. (2025). Roy, Saurabh ; Kulkarni, Nirupama ; Kishore, Kaushalendra. In: Journal of Corporate Finance. RePEc:eee:corfin:v:91:y:2025:i:c:s0929119924001937.

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2024The impact of Fintech on the nexus between household debt and financial crises: A global perspective. (2024). Sun, Yongping ; Fang, Jie ; Yuan, Gecheng. In: Economic Modelling. RePEc:eee:ecmode:v:130:y:2024:i:c:s0264999323004017.

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2024Household finances, debt overhang and consumption patterns. (2024). Trivin, Pedro ; Sala, Hector. In: Economic Modelling. RePEc:eee:ecmode:v:139:y:2024:i:c:s0264999324001937.

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2025Does mobile phone proficiency contribute to stock market participation? The role of payment convenience, liquidity, and social interaction. (2025). Fatima, Shumaila ; Chakraborty, Madhumita. In: Economic Modelling. RePEc:eee:ecmode:v:144:y:2025:i:c:s0264999324003456.

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2025Does investment in consumer finance companies impact credit allocation of banks? Evidence from China. (2025). Jun, Xiao ; Jiang, Chuyu ; Luo, Yan ; Zhao, Yang. In: Economic Modelling. RePEc:eee:ecmode:v:150:y:2025:i:c:s0264999325001282.

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2024Regional market uncertainty and corporate investment. (2024). Song, Jeongseop ; Zhang, Fan. In: The North American Journal of Economics and Finance. RePEc:eee:ecofin:v:69:y:2024:i:pb:s1062940823001365.

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2024Individual investment adaptations to COVID-19 lockdowns. (2024). Chen, Zixuan ; Wang, Bin ; Huang, Bin. In: The North American Journal of Economics and Finance. RePEc:eee:ecofin:v:70:y:2024:i:c:s1062940823001948.

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2025Strategic cooperation in fintech field and efficiency of commercial banks. (2025). Ji, Xinru ; Ao, Zhiming. In: The North American Journal of Economics and Finance. RePEc:eee:ecofin:v:76:y:2025:i:c:s1062940825000178.

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2024Fixed rate versus adjustable rate mortgages: Evidence from euro area banks. (2024). Ongena, Steven ; Fringuellotti, Fulvia ; Albertazzi, Ugo. In: European Economic Review. RePEc:eee:eecrev:v:161:y:2024:i:c:s0014292123002714.

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2024Financial technologies and the effectiveness of monetary policy transmission. (2024). HASAN, IFTEKHAR ; Li, Xiang ; Kwak, Boreum. In: European Economic Review. RePEc:eee:eecrev:v:161:y:2024:i:c:s0014292123002787.

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2024Learning from Friends in a Pandemic: Social networks and the macroeconomic response of consumption. (2024). Wang, Tao ; Makridis, Christos A. In: European Economic Review. RePEc:eee:eecrev:v:169:y:2024:i:c:s001429212400165x.

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2025Profit-based uncertainty estimation with application to credit scoring. (2025). Ergu, Daji ; Kou, Gang ; Xu, Yong. In: European Journal of Operational Research. RePEc:eee:ejores:v:325:y:2025:i:2:p:303-316.

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2024Insurer hedging amidst the interplay of black and green swans toward SDGs 3 and 7. (2024). Duan, Xiaoyu ; Chiu, Shiu-Chieh ; Chen, Shi ; Lin, Jyh-Horng. In: Energy Economics. RePEc:eee:eneeco:v:135:y:2024:i:c:s0140988324003657.

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2024Capital generates green: Evidence from Chinas national innovation system policy. (2024). Zhang, Ziyi ; Cao, Yuqiang ; Shan, Yaowen ; Yang, Lisi. In: International Review of Financial Analysis. RePEc:eee:finana:v:91:y:2024:i:c:s1057521923005495.

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2024Fintech development and corporate credit risk: Evidence from an emerging market. (2024). Wu, Xiaomeng ; Zhou, Peng ; Mo, Lingyu ; Tan, Changchun. In: International Review of Financial Analysis. RePEc:eee:finana:v:92:y:2024:i:c:s1057521924000164.

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2024Fintech and financial sector: ADO analysis and future research agenda. (2024). Choudhary, Priya ; Thenmozhi, M. In: International Review of Financial Analysis. RePEc:eee:finana:v:93:y:2024:i:c:s1057521924001339.

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2025How does Fintech shape the functioning of SMEs risk managements? The case of face-scan payment. (2025). Luo, Jingwen ; Xu, Xian ; Ding, Jingxuan. In: International Review of Financial Analysis. RePEc:eee:finana:v:97:y:2025:i:c:s1057521924007154.

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2024Fintech lenders and borrowers screening: Superior abilities or lax practices?. (2024). Janbek, Khalil-Etienne ; Bancel, Franck. In: Finance Research Letters. RePEc:eee:finlet:v:63:y:2024:i:c:s1544612324003532.

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2024Developers’ leverage, capital market financing, and fire sale externalities✰. (2024). Saengchote, Kanis. In: Finance Research Letters. RePEc:eee:finlet:v:63:y:2024:i:c:s1544612324003659.

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2024FinTech and banks: Strategic partnerships that circumvent state usury laws. (2024). Hannon, Simona M ; Elliehausen, Gregory. In: Finance Research Letters. RePEc:eee:finlet:v:64:y:2024:i:c:s1544612324004173.

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2025The role of acquaintances characteristics in shaping digital payment technology. (2025). Seetharam, Yudhvir ; Chipeta, Chimwemwe ; Nyakurukwa, Kingstone. In: Finance Research Letters. RePEc:eee:finlet:v:76:y:2025:i:c:s1544612325002405.

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2024The role of banks’ technology adoption in credit markets during the pandemic. (2024). Rainone, Edoardo ; Branzoli, Nicola ; Supino, Ilaria. In: Journal of Financial Stability. RePEc:eee:finsta:v:71:y:2024:i:c:s1572308924000159.

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2024FinTech entrepreneurial ecosystem in India: Role of incubators and accelerators. (2024). Ahmad, Wasim ; Kattumuri, Ruth ; Kaur, Manmeet ; Hari, K S. In: Global Finance Journal. RePEc:eee:glofin:v:60:y:2024:i:c:s104402832400005x.

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2024Digital disruptors at the gate. Does FinTech lending affect bank market power and stability?. (2024). Cuadros-Solas, Pedro ; Suarez, Nuria ; Cubillas, Elena ; Salvador, Carlos. In: Journal of International Financial Markets, Institutions and Money. RePEc:eee:intfin:v:92:y:2024:i:c:s1042443124000301.

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2025Credit scoring model for fintech lending: An integration of large language models and FocalPoly loss. (2025). Xia, Yufei ; Han, Zhiyin ; Li, Yawen ; He, Lingyun. In: International Journal of Forecasting. RePEc:eee:intfor:v:41:y:2025:i:3:p:894-919.

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2025FinTech vs. Bank: The impact of lending technology on credit market competition. (2025). Wu, Kejia ; Serfes, Konstantinos ; Avramidis, Panagiotis. In: Journal of Banking & Finance. RePEc:eee:jbfina:v:170:y:2025:i:c:s0378426624002528.

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2024The impact of mortgage broker use on borrower confusion and preferences. (2024). Thorp, Susan ; Chung, Sol ; Liu, Junhao ; Agnew, Julie ; Bateman, Hazel ; Eckert, Christine. In: Journal of Economic Behavior & Organization. RePEc:eee:jeborg:v:224:y:2024:i:c:p:229-247.

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2024The political economy of public housing upgrading programs. (2024). Sing, Tien Foo ; Zhang, Xiaoyu ; Diao, MI. In: Journal of Economic Behavior & Organization. RePEc:eee:jeborg:v:224:y:2024:i:c:p:369-389.

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2025Identification of loan effects on personal finance: A case for small U.S. entrepreneurs. (2025). Sedaghatkish, Nazanin ; Bose, Niloy ; Banasaz, Mohammadmahdi. In: Journal of Economic Behavior & Organization. RePEc:eee:jeborg:v:234:y:2025:i:c:s0167268125001027.

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2024Do residential property assessed clean energy (PACE) financing programs affect local house price growth?. (2024). White, Roger ; Millar, Melanie I. In: Journal of Environmental Economics and Management. RePEc:eee:jeeman:v:124:y:2024:i:c:s009506962400010x.

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2024Debtor income manipulation in consumer credit contracts. (2024). Mikhed, Vyacheslav ; Raina, Sahil ; Zhang, Man ; Scholnick, Barry. In: Journal of Financial Economics. RePEc:eee:jfinec:v:157:y:2024:i:c:s0304405x24000746.

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2024Refinancing cross-subsidies in the mortgage market. (2024). Ramadorai, Tarun ; Gavazza, Alessandro ; Liu, LU ; Tripathy, Jagdish ; Fisher, Jack. In: Journal of Financial Economics. RePEc:eee:jfinec:v:158:y:2024:i:c:s0304405x24000990.

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2024The credit supply channel of monetary policy tightening and its distributional impacts. (2024). Bosshardt, Joshua ; di Maggio, Marco ; Kermani, Amir ; Kakhbod, Ali. In: Journal of Financial Economics. RePEc:eee:jfinec:v:160:y:2024:i:c:s0304405x24001375.

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2025Household mobility and mortgage rate lock. (2025). Liebersohn, Jack ; Rothstein, Jesse. In: Journal of Financial Economics. RePEc:eee:jfinec:v:164:y:2025:i:c:s0304405x2400196x.

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2025Fintech entry, lending market competition, and welfare. (2025). Vives, Xavier ; Ye, Zhiqiang. In: Journal of Financial Economics. RePEc:eee:jfinec:v:168:y:2025:i:c:s0304405x25000480.

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2025Customer data access and fintech entry: Early evidence from open banking. (2025). De Marco, Filippo ; Babina, Tania ; Bahaj, Saleem ; Buchak, Greg ; Foulis, Angus ; Gornall, Will ; Mazzola, Francesco ; Yu, Tong. In: Journal of Financial Economics. RePEc:eee:jfinec:v:169:y:2025:i:c:s0304405x24001739.

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2025Collateral value uncertainty and mortgage credit provision. (2025). Zhang, Anthony Lee ; Jiang, Erica Xuewei. In: Journal of Financial Economics. RePEc:eee:jfinec:v:169:y:2025:i:c:s0304405x25000625.

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2025Screening using a menu of contracts: A structural model for lending markets. (2025). Vo, Quynh-Anh ; Polo, Alberto ; Taburet, Arthur. In: Journal of Financial Economics. RePEc:eee:jfinec:v:169:y:2025:i:c:s0304405x25000649.

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2025Trust as an entry barrier: Evidence from FinTech adoption. (2025). Yang, Keer. In: Journal of Financial Economics. RePEc:eee:jfinec:v:169:y:2025:i:c:s0304405x25000704.

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2025Do intermediaries improve GSE lending? Evidence from proprietary GSE data. (2025). Bosshardt, Joshua ; Kakhbod, Ali ; Kermani, Amir. In: Journal of Financial Economics. RePEc:eee:jfinec:v:170:y:2025:i:c:s0304405x2500090x.

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2025Surviving the fintech disruption. (2025). Yao, Vincent ; Xiao, Rachel J ; Tang, Yuehua ; Jiang, Wei. In: Journal of Financial Economics. RePEc:eee:jfinec:v:171:y:2025:i:c:s0304405x25000790.

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2025Firm uncertainty and households: Spending, savings, and risks. (2025). Alfaro, Ivn ; Park, Hoonsuk. In: Journal of Financial Economics. RePEc:eee:jfinec:v:172:y:2025:i:c:s0304405x25001515.

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2025A comprehensive MacroEconomic uncertainty measure for the euro area and its implications to COVID-19. (2025). Minh, Anh Dinh ; Comunale, Mariarosaria. In: Journal of International Money and Finance. RePEc:eee:jimfin:v:157:y:2025:i:c:s0261560625001056.

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2024The impact of accessibility changes on local development: A spatial approach. (2024). Freiria, Susana ; Sousa, Nuno. In: Journal of Transport Geography. RePEc:eee:jotrge:v:120:y:2024:i:c:s0966692324001844.

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2024Do property rehabs affect neighboring property prices?. (2024). Ganduri, Rohan ; Maturana, Gonzalo. In: Journal of Urban Economics. RePEc:eee:juecon:v:143:y:2024:i:c:s0094119024000640.

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2025Present bias: Understanding zero leverage policy and unstable capital structure. (2025). Li, Yuan ; Wong, Tak-Yuen ; Zhao, Siqi. In: Journal of Mathematical Economics. RePEc:eee:mateco:v:119:y:2025:i:c:s0304406825000655.

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2024The real effects of borrower-based macroprudential policy: Evidence from administrative household-level data. (2024). Peydro, Jose-Luis ; Irani, Rustom M ; Gabarro, Marc ; van Bekkum, Sjoerd. In: Journal of Monetary Economics. RePEc:eee:moneco:v:147:y:2024:i:s:s0304393224000278.

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2024Mortgage choice and inflation experiences in the Eurozone. (2024). Szabo, Barna Elek ; Cenzon, Josefina. In: Journal of Monetary Economics. RePEc:eee:moneco:v:147:y:2024:i:s:s0304393224000643.

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2024How does digital finance promote entrepreneurship? The roles of traditional financial institutions and BigTech firms. (2024). Xie, Xuanli ; Sun, Xiaoyan. In: Pacific-Basin Finance Journal. RePEc:eee:pacfin:v:85:y:2024:i:c:s0927538x24000672.

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2024The role of interest rate environment in mortgage pricing. (2024). Ahmad, Ferhana ; Shehzad, Choudhry Tanveer. In: International Review of Economics & Finance. RePEc:eee:reveco:v:89:y:2024:i:pa:p:225-245.

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2024FinTech development and household resilience to negative income shocks: The role of informal risk sharing. (2024). Li, Rongda ; He, Jing. In: International Review of Economics & Finance. RePEc:eee:reveco:v:94:y:2024:i:c:s1059056024003939.

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2024Lending activity efficiency. A comparison between fintech firms and the banking sector. (2024). Onorato, Grazia ; Pampurini, Francesca ; Quaranta, Anna Grazia. In: Research in International Business and Finance. RePEc:eee:riibaf:v:68:y:2024:i:c:s0275531923003112.

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2025Joint effect of digital transformation and bank branch establishment on rural economic growth. (2025). Zhang, Longyao ; Li, Yuan ; Sun, Ruohan ; Zhou, Nan. In: Research in International Business and Finance. RePEc:eee:riibaf:v:75:y:2025:i:c:s0275531924005312.

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2025Will fintech enhance financial regulation?. (2025). Zhao, Yuliang ; Ma, Furong. In: Research in International Business and Finance. RePEc:eee:riibaf:v:78:y:2025:i:c:s0275531925002612.

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2024Economic policy uncertainty, health status, and mortality. (2024). Huang, Wei ; Yu, Miao ; Lei, Xiaoyan. In: Social Science & Medicine. RePEc:eee:socmed:v:362:y:2024:i:c:s0277953624006804.

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2025Uncertainty and household consumption in developing countries. (2025). Yogo, Urbain Thierry ; Tadadjeu, Sosson ; Massil, Joseph Keneck. In: Structural Change and Economic Dynamics. RePEc:eee:streco:v:73:y:2025:i:c:p:51-64.

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2025Urban agglomeration policy and coordinated road infrastructure development. (2025). Wu, Jing ; Wang, Changyan. In: Transportation Research Part A: Policy and Practice. RePEc:eee:transa:v:195:y:2025:i:c:s0965856425000618.

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2025Accessing the causality among air transportation, trade openness and GDP: Evidence from a panel of high-income countries. (2025). Rai, Sushil Kumar ; Raju, Bangar T. In: Transport Policy. RePEc:eee:trapol:v:163:y:2025:i:c:p:116-124.

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2024Refinancing cross-subsidies in the mortgage market. (2024). Ramadorai, Tarun ; Gavazza, Alessandro ; Liu, LU ; Tripathy, Jagdish ; Fisher, Jack. In: LSE Research Online Documents on Economics. RePEc:ehl:lserod:123686.

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2025The Credit Card Spending Channel of Monetary Policy: Micro Evidence from Account-level Data. (2025). Stavins, Joanna ; Bräuning, Falk ; Bruning, Falk. In: Working Papers. RePEc:fip:fedbwp:101889.

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2025Relieving Financial Distress Increases Voter Turnout: Evidence from the Mortgage Market. (2025). Zhang, Xiaohan ; Liu, Haoyang ; Ramcharan, Rodney ; ben McCartney, W. In: Working Papers. RePEc:fip:feddwp:99960.

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2024Information Technology in Banking and Entrepreneurship. (2024). Timmer, Yannick ; Doerr, Sebastian ; Ahnert, Toni ; Pierri, Nicola. In: Finance and Economics Discussion Series. RePEc:fip:fedgfe:2024-83.

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2025No News is Bad News: Monitoring, Risk, and Stale Financial Performance in Commercial Real Estate. (2025). Nichols, Joseph B ; Hughes, Samuel K. In: Finance and Economics Discussion Series. RePEc:fip:fedgfe:2025-32.

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2024Credit When You Need It. (2024). Hartley, Daniel ; Collier, Benjamin ; Ng, Jing Xian ; Keys, Benjamin J. In: Working Paper Series. RePEc:fip:fedhwp:98720.

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2025Mortgage Market Structure and the Transmission of Monetary Policy During the Great Inflation. (2025). Ozkan, Serdar ; Mitman, Kurt ; Larkin, Kieran ; Hedlund, Aaron. In: Working Papers. RePEc:fip:fedlwp:101282.

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2024Consumer Credit Reporting Data. (2024). van der Klaauw, Wilbert ; Lee, Donghoon ; Guttman-Kenney, Benedict ; Gibbs, Christa ; Nelson, Scott ; Wang, Jialan. In: Staff Reports. RePEc:fip:fednsr:98658.

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2025Fintech Innovations in Banking: Fintech Partnership and Default Rate on Bank Loans. (2025). Jagtiani, Julapa ; Goldstein, Brandon ; Lemieux, Catharine. In: Working Papers. RePEc:fip:fedpwp:101251.

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More than 100 citations found, this list is not complete...

Works by vincent w. yao:

YearTitleTypeCited
2017Interest Rate Pass-Through: Mortgage Rates, Household Consumption, and Voluntary Deleveraging In: American Economic Review.
[Full Text][Citation analysis]		article277
2020Valuation of Long-Term Property Rights under Political Uncertainty In: Working Papers.
[Full Text][Citation analysis]		paper1
2020Lender Steering in Residential Mortgage Markets In: Real Estate Economics.
[Full Text][Citation analysis]		article5
2016Systematic Mistakes in the Mortgage Market and Lack of FInancial Sophistication In: Working Paper Series.
[Full Text][Citation analysis]		paper44
2005Measuring and predicting turning points using a dynamic bi-factor model In: International Journal of Forecasting.
[Full Text][Citation analysis]		article15
2015Collateral pledge, sunk-cost fallacy and mortgage default In: Journal of Financial Intermediation.
[Full Text][Citation analysis]		article13
2009The contagion effect of foreclosed properties In: Journal of Urban Economics.
[Full Text][Citation analysis]		article151
2012The foreclosure discount: Myth or reality? In: Journal of Urban Economics.
[Full Text][Citation analysis]		article20
2015Foreclosure externalities: New evidence In: Journal of Urban Economics.
[Full Text][Citation analysis]		article96
2006Economic indicators for the US transportation sector In: Transportation Research Part A: Policy and Practice.
[Full Text][Citation analysis]		article7
2012Foreclosure externalities: Some new evidence In: FRB Atlanta Working Paper.
[Full Text][Citation analysis]		paper35
2012Foreclosure externalities: some new evidence.(2012) In: Public Policy Discussion Paper.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 35		paper
2012Foreclosure externalities: Some new evidence.(2012) In: NBER Working Papers.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 35		paper
2016Do People Leave Money on the Table? Evidence from Joint Mortgage Applications and the Minimum FICO Rule In: FEDS Notes.
[Full Text][Citation analysis]		paper0
2013Why do borrowers make mortgage refinancing mistakes? In: Working Paper Series.
[Full Text][Citation analysis]		paper3
2005A spatial analysis of income inequality in Arkansas at the county level: evidence from tax and commuting data In: Regional Economic Development.
[Full Text][Citation analysis]		article2
2006Intra-NAFTA trade and surface traffic: a very disaggregated view In: Regional Economic Development.
[Full Text][Citation analysis]		article0
2016Sales of Distressed Residential Property: What Have We Learned from Recent Research? In: Review.
[Full Text][Citation analysis]		article9
2015Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market In: Management Science.
[Full Text][Citation analysis]		article50
2013Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market.(2013) In: NBER Working Papers.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 50		paper
2016Why Do Borrowers Make Mortgage Refinancing Mistakes? In: Management Science.
[Full Text][Citation analysis]		article36
2010Home Equity Extraction by Homeowners: 2000-2006 In: Journal of Real Estate Research.
[Full Text][Citation analysis]		article6
2010Ownership Restriction and Housing Value: Evidence from American Housing survey In: Journal of Real Estate Research.
[Full Text][Citation analysis]		article1
2009Spillover Effects of Foreclosures on Neighborhood Property Values In: The Journal of Real Estate Finance and Economics.
[Full Text][Citation analysis]		article105
2011Housing Tenure and Mortgage Choice In: The Journal of Real Estate Finance and Economics.
[Full Text][Citation analysis]		article3
2012Model Stability and the Subprime Mortgage Crisis In: The Journal of Real Estate Finance and Economics.
[Full Text][Citation analysis]		article11
2010Sunk Costs and Mortgage Default In: Working Paper.
[Full Text][Citation analysis]		paper1
2015Who Bears the Pen? Relative Income and Gender Gap in Mortgage Signing Order In: Working Paper.
[Full Text][Citation analysis]		paper1
2014Mortgage Rates, Household Balance Sheets, and the Real Economy In: NBER Working Papers.
[Full Text][Citation analysis]		paper69
2015Mortgage Rates, Household Balance Sheets, and the Real Economy.(2015) In: 2015 Meeting Papers.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 69		paper
2015Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program In: NBER Working Papers.
[Full Text][Citation analysis]		paper53
2019Second Chance: Life without Student Debt In: NBER Working Papers.
[Full Text][Citation analysis]		paper9
2020Searching for Approval In: NBER Working Papers.
[Full Text][Citation analysis]		paper8
2020The Pass-Through of Uncertainty Shocks to Households In: NBER Working Papers.
[Full Text][Citation analysis]		paper16
2020Valuing Long-Term Property Rights with Anticipated Political Regime Shifts In: NBER Working Papers.
[Full Text][Citation analysis]		paper1
2020Fintech Borrowers: Lax-Screening or Cream-Skimming? In: NBER Working Papers.
[Full Text][Citation analysis]		paper96
2021Fintech Borrowers: Lax Screening or Cream-Skimming?.(2021) In: The Review of Financial Studies.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 96		article
2021Surviving the Fintech Disruption In: NBER Working Papers.
[Full Text][Citation analysis]		paper7
2023FinTech Lending with LowTech Pricing In: NBER Working Papers.
[Full Text][Citation analysis]		paper4
2025Dynamic Competition for Sleepy Deposits In: NBER Working Papers.
[Full Text][Citation analysis]		paper0
2003Monthly Output Index for the U.S. Transportation Sector In: Discussion Papers.
[Full Text][Citation analysis]		paper7
2003Cycles in the Transportation Sector and the Aggregate Economy In: Discussion Papers.
[Full Text][Citation analysis]		paper3
2004A dynamic factor model of the coincident indicators for the US transportation sector In: MPRA Paper.
[Full Text][Citation analysis]		paper5
2004A dynamic factor model of the coincident indicators for the US transportation sector.(2004) In: Applied Economics Letters.
[Full Text][Citation analysis]
This paper has nother version. Agregated cites: 5		article
2006Intra-NAFTA Trade in Mid-South Industries: A Gravity Model In: The Review of Regional Studies.
[Full Text][Citation analysis]		article0
2008Introduction to the special issue: Transportation investment and economic development In: The Annals of Regional Science.
[Full Text][Citation analysis]		article1
2008Interstate spillovers of private capital and public spending In: The Annals of Regional Science.
[Full Text][Citation analysis]		article38
2004The predictive power of an experimental transportation output index In: Applied Economics Letters.
[Full Text][Citation analysis]		article0
2006Modelling the structural break in volatility In: Applied Economics Letters.
[Full Text][Citation analysis]		article8
2006Intra-industry spillovers and innovation: An econometric analysis at the firm level In: Economics of Innovation and New Technology.
[Full Text][Citation analysis]		article1
2019Comovements and asymmetric tail dependence in state housing prices in the USA: A nonparametric approach In: Journal of Applied Econometrics.
[Full Text][Citation analysis]		article1

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