“正午阳光——青年学者论坛”是金融学院定期举办的以院内师生参与为主的学术交流活动，为全院专家学者之间、师生之间、南开金融与国际国内学术界之间提供了难得的交流机会。本学期“正午阳光”论坛初心不改，扬帆远航再出发，致力于营造学院学校科研氛围，推动师生学术科研水平不断提升！

2025年秋季学期 “正午阳光——青年学者论坛”第12期活动安排如下：

讲座题目：Racial Disparities in the U.S. Mortgage Market: Evidence from Data Privacy Legislation

主讲人：蔺祥瑜

南开大学金融学院助理教授。博士毕业于曼彻斯特大学。研究领域：银行、公司金融。论文发表于Journal of Financial Intermediation、Journal of Corporate Finance等国际期刊。

点评人：李欣明

南开大学金融学院长任教授，博士生导师，百名青年学科带头人，研究领域包括: 银行、科技金融、金融稳定、数字金融、ESG等。在Journal of International Business Studies、Journal of Financial and Quantitative Analysis、Journal of Financial Intermediation、《经济研究》、《金融研究》等国内外期刊发表多篇文章。

讲座时间：2025年12月4日（周四）12:00-13:30

讲座地点：金融学院116教室

内容摘要

We study the unintended effects of data privacy legislation (DPL) on racial disparities in U.S. mortgage lending.Using the staggered enactment of state-level DPLs, we find that DPL reduces the mortgage denial gap between minority and non-minority borrowers by 3% and the interest rate gap by 8 bps. These effects are driven by increased automation and standardization in mortgage underwriting and FinTech lending, particularly in areas with high minority population, low bank branch density and high racial animus. Consistent with improvements in credit allocation not due to borrower composition, ex-post delinquency gaps decline while applicants’ ex-ante credit risk remains unchanged.