Academic & Professional Qualification
- Ph.D. in Finance, New York University Stern School of Business
- M.Phil. in Finance, New York University Stern School of Business
- B.A. in Economics, Peking University Guanghua School of Management
Biography
Prof. Tianyue Ruan is an Assistant Professor of Finance at the University of Hong Kong.
Prof. Ruan conducts research on financial stability, focusing on how financial regulation and economic incentives shape the behavior of financial intermediaries and households in ways that affect systemic risk. Prof. Ruan has been publishing her research in leading academic journals such as the Review of Financial Studies, the Proceedings of the National Academy of Sciences, and Management Science.
Prof. Ruan received her Ph.D. in Finance from New York University Stern School of Business and her B.A. in Economics from Peking University Guanghua School of Management. Before joining HKU, she was a faculty member at National University of Singapore.
Research Interest
- Banking
- Financial Intermediation
- Financial Regulation
- Financial Technology
- Household Finance
Selected Publications
- Size-Based Regulation and Bank Fragility: Evidence from the Wells Fargo Asset Cap Review of Financial Studies, forthcoming (with Siddharth Vij)
- Supporting Seniors: How Low-Income Elderly Individuals Respond to a Retirement Support Program Management Science, forthcoming (with Sumit Agarwal, Wenlan Qian, and Bernard Yeung)
- Reducing Racial Disparities in Consumer Credit: Evidence from Anonymous Loan Applications Management Science, 2026. (with Poorya Kabir)
- Nonperforming Loan Disposals Without Resolution Management Science, 2025. (with Ben Charoenwong and Meng Miao)
- Digital Payments and Consumption: Evidence from the 2016 Demonetization in India Review of Financial Studies, 2024. (with Sumit Agarwal, Pulak Ghosh, and Jing Li)
- Transient Customer Response to Data Breaches of Their Information Management Science, 2024. (with Sumit Agarwal, Pulak Ghosh, and Yunqi Zhang)
- Measuring the probability of a financial crisis Proceedings of the National Academy of Sciences, 2019. (with Robert F. Engle)