Speaker：Ma, Yuanyuan

Topic：Credit Constraints and Fraud Victimization: Evidence from a Representative Chinese Household Survey

Time：Dec. 29, 2021

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 constraints affect fraud victimization.

Yuanyuan Ma is an Associate Professor in Wenlan School of Business at Zhongnan University of Economics and Law. She is also a Visiting Research Fellow at Trinity College Dublin and a Research Affiliate of IZA. Her research covers a wide range of topics in health economics, population economics and development economics. Her work has been published in Journal of Health Economics, Health Economics, World Development, Population Space and Place, and etc.