David Zhang

Rice University - Jesse H. Jones Graduate School of Business

6100 South Main Street

P.O. Box 1892

Houston, TX 77005-1892

United States

  • Rice University - Jesse H. Jones Graduate School of Business

SCHOLARLY PAPERS

9

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2,005

TOTAL CITATIONS
Rank 20,011

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Top 20,011

in Total Papers Citations

5

Scholarly Papers (9)

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1.

Minimum Wage as a Focal Point

Number of pages: 26 Posted: 09 Oct 2014 Last Revised: 12 Jul 2018
Oz Shy and David Zhang
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Rice University - Jesse H. Jones Graduate School of Business
Downloads 438 (133,237)

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Low minimum wage, wage collusion, wage competition, imperfectly-competitive labor markets, focal point, antitrust law

2.

Algorithmic Underwriting in High Risk Mortgage Markets

Number of pages: 89 Posted: 10 Nov 2023 Last Revised: 03 Sep 2024
Janet Gao, Hanyi (Livia) Yi and David Zhang
McDonough School of Business, Boston College - Carroll School of Management and Rice University - Jesse H. Jones Graduate School of Business
Downloads 373 (160,058)

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Algorithmic Underwriting, FinTech, Household Leverage, Racial Inequality in Mortgage Markets, Mobility, Financial Inclusion.

3.

Mortgage Prepayment, Race, and Monetary Policy

Downloads 286 (213,502)
Citation 1

Mortgage Prepayment, Race, and Monetary Policy

Number of pages: 81 Posted: 09 Feb 2021
Kristopher Gerardi, Paul Willen and David Zhang
Federal Reserve Bank of Atlanta, Federal Reserve Bank of Boston - Research Department and Rice University - Jesse H. Jones Graduate School of Business
Downloads 210 (288,184)
Citation 1

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Mortgage Prepayment, Race, and Monetary Policy

FRB Atlanta Working Paper No. 2020-22
Number of pages: 81 Posted: 20 Apr 2021
Kristopher Gerardi, Paul Willen and David Zhang
Federal Reserve Bank of Atlanta, Federal Reserve Bank of Boston - Research Department and Rice University - Jesse H. Jones Graduate School of Business
Downloads 76 (631,781)

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mortgage, refinance, race, monetary policy, interest rate

4.

Small Mortgages and the Rise of FinTech and Shadow Banks

Number of pages: 62 Posted: 26 Jan 2024 Last Revised: 06 Feb 2024
Yongqiang Chu, David Zhang and Tim Zhang
Belk College of Business, UNC Charlotte, Rice University - Jesse H. Jones Graduate School of Business and University of Texas at San Antonio - Alvarez College of Business
Downloads 221 (274,424)

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Small Mortgages, FinTech, Shadow Banks, Portfolio Lending, Community Reinvestment Act (CRA)

5.

Alumni Relationships and Judicial Bias

Number of pages: 28 Posted: 08 Dec 2020 Last Revised: 10 Sep 2024
Tianwang Liu and David Zhang
Harvard University - Department of Economics and Rice University - Jesse H. Jones Graduate School of Business
Downloads 178 (334,843)

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lawyers, law school, judges, judge bias, returns to schooling

6.

Mortgage Lock-in, Lifecycle Migration, and the Welfare Effects of Housing Market Liquidity

Downloads 172 (344,984)

Mortgage Lock-in, Lifecycle Migration, and the Welfare Effects of Housing Market Liquidity

Number of pages: 61 Posted: 20 Sep 2024
Kristopher Gerardi, Franklin Qian and David Zhang
Federal Reserve Bank of Atlanta, UNC Kenan-Flagler Business School - Finance Department and Rice University - Jesse H. Jones Graduate School of Business
Downloads 170 (348,172)

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Mortgage Lock-In, Moving to Opportunity, Housing Market Liquidity, Idiosyncratic Dispersion in House Prices, FRMs

Mortgage Lock-In, Lifecycle Migration, and the Welfare Effects of Housing Market Liquidity

FRB Atlanta Working Paper No. 2024-15
Number of pages: 61 Posted: 02 Dec 2024
Kristopher Gerardi, Franklin Qian and David Zhang
Federal Reserve Bank of Atlanta, University of North Carolina (UNC) at Chapel Hill and Rice University - Jesse H. Jones Graduate School of Business
Downloads 2 (1,276,129)

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mortgage lock-in, moving to opportunity, housing market liquidity, idiosyncratic dispersion in house prices, FRMs

7.

How Do People Pay Rent?

Research Data Reports Paper No. 16-2
Number of pages: 20 Posted: 08 Sep 2016
David Zhang
Rice University - Jesse H. Jones Graduate School of Business
Downloads 158 (371,014)
Citation 2

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payment instrument choice, rent, rental payment

8.

History-Based versus Uniform Pricing in Growing and Declining Markets

Number of pages: 36 Posted: 24 Oct 2015 Last Revised: 06 Apr 2018
Oz Shy, Rune Stenbacka and David Zhang
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Hanken School of Economics and Rice University - Jesse H. Jones Graduate School of Business
Downloads 106 (505,533)

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Growing market, declining market, history-based pricing, uniform pricing, consumer lock-in

9.

Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus

Downloads 73 (636,067)
Citation 2

Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus

Number of pages: 59 Posted: 12 Feb 2021
David Zhang and Paul Willen
Rice University - Jesse H. Jones Graduate School of Business and Federal Reserve Bank of Boston - Research Department
Downloads 54 (752,307)

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Mortgage Discrimination, Fair Lending, Red-lining, Points, Interest Rate, Optimal Transport, Directional Differentiation, Menu Problem

Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus

NBER Working Paper No. w29142
Number of pages: 61 Posted: 16 Aug 2021 Last Revised: 16 Feb 2023
David Zhang and Paul Willen
Rice University - Jesse H. Jones Graduate School of Business and Federal Reserve Bank of Boston - Research Department
Downloads 19 (1,061,454)
Citation 2

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