Sheila Jiang

University of Florida - Department of Finance, Insurance and Real Estate

P.O. Box 117168

Gainesville, FL 32611

United States

SCHOLARLY PAPERS

11

DOWNLOADS
Rank 41,242

SSRN RANKINGS

Top 41,242

in Total Papers Downloads

2,617

TOTAL CITATIONS

9

Scholarly Papers (11)

Investing in Lending Technology: IT Spending in Banking

University of Chicago, Becker Friedman Institute for Economics Working Paper No. 2021-116
Number of pages: 68 Posted: 06 Oct 2021 Last Revised: 22 Aug 2022
Zhiguo He, Sheila Jiang, Douglas Xu and Xiao Yin
Stanford University - Knight Management Center, University of Florida - Department of Finance, Insurance and Real Estate, University of Florida - Warrington College of Business Administration and University College London
Downloads 712 (76,745)
Citation 6

Abstract:

Loading...

Information Technology, Small Business Lending, Mortgage Refinance, Communication Equipment, Software, Hard and Soft Information

Investing in Lending Technology: IT Spending in Banking

Number of pages: 68 Posted: 05 Oct 2021 Last Revised: 22 Aug 2022
Sheila Jiang, Zhiguo He, Xiao Yin and Douglas Xu
University of Florida - Department of Finance, Insurance and Real Estate, Stanford University - Knight Management Center, University College London and University of Florida - Warrington College of Business Administration
Downloads 317 (202,520)

Abstract:

Loading...

Information Technology, Small Business Lending, Mortgage Refinance, Communication Equipment, Software, Hard and Soft Information

2.

Bank Technology Adoption and Loan Production in the U.S. Mortgage Market *

Number of pages: 89 Posted: 25 May 2023 Last Revised: 05 Jun 2024
Sheila Jiang, Adam Jørring and Douglas Xu
University of Florida - Department of Finance, Insurance and Real Estate, University of Massachusetts Amherst - Department of Finance and University of Florida - Warrington College of Business Administration
Downloads 449 (138,557)

Abstract:

Loading...

Mortgage market, Bank screening, loan decision, loan pricing, loan performance, technology adoption, financial inclusion JEL codes: G21, D22, G20, G51

3.

Monitoring with Small Stakes

Number of pages: 69 Posted: 21 Nov 2022 Last Revised: 02 Aug 2024
Sheila Jiang, Shohini Kundu and Douglas Xu
University of Florida - Department of Finance, Insurance and Real Estate, University of California, Los Angeles (UCLA) - Anderson School of Management and University of Florida - Warrington College of Business Administration
Downloads 363 (176,352)

Abstract:

Loading...

contract theory, renegotiation, control rights, monitoring, rent extraction, institutional lenders, cov-lite, covenants, fiscal policy, leveraged loans

4.

Covenant Amendment Fee and Value of Creditor Intervention after Covenant Violations

Number of pages: 66 Posted: 03 Dec 2018 Last Revised: 22 Nov 2019
Sheila Jiang and Douglas Xu
University of Florida - Department of Finance, Insurance and Real Estate and University of Florida - Warrington College of Business Administration
Downloads 222 (293,421)

Abstract:

Loading...

Renegotiation, Incomplete Contracts, Bank Loans, Corporate Financing, Covenants

5.

The Persistent Effects of Financial Crises on the Composition of Real Investment

Fisher College of Business Working Paper No. 2021-03-19, Charles A. Dice Center Working Paper No. 2021-19
Number of pages: 78 Posted: 16 Nov 2021 Last Revised: 01 Jun 2022
Sheila Jiang, Ye Li and Douglas Xu
University of Florida - Department of Finance, Insurance and Real Estate, University of Washington - Foster School of Business and University of Florida - Warrington College of Business Administration
Downloads 168 (379,090)

Abstract:

Loading...

Intangible investment, capital heterogeneity, cash holdings, slow recovery

6.

Rise of Domestic Banks in EME Cross-border Credit Intermediation

Number of pages: 88 Posted: 15 Jan 2021 Last Revised: 20 Apr 2025
Sheila Jiang and Douglas Xu
University of Florida - Department of Finance, Insurance and Real Estate and University of Florida - Warrington College of Business Administration
Downloads 135 (454,202)

Abstract:

Loading...

Banking globalization, Shadow Banking Institutions, Cross-border credit, Collateralized lending, Emerging market, Contracting, Collateral JEL codes: G15, G23, G21, G32, F34

7.

Tech-Driven Intermediation in the Originate-to-Distribute Model

Number of pages: 86 Posted: 26 Jan 2024
Zhiguo He, Sheila Jiang and Douglas Xu
Stanford University - Knight Management Center, University of Florida - Department of Finance, Insurance and Real Estate and University of Florida - Warrington College of Business Administration
Downloads 102 (562,769)

Abstract:

Loading...

Information Technology, Intermediation, Directed Search, Adverse Selection, Originate to Distribute, Monitoring the Monitor

8.

Banking on Technology: Bank Technology Adoption and Its Effects

Number of pages: 63 Posted: 08 Nov 2024 Last Revised: 03 Mar 2025
Sheila Jiang, Alessandro Rebucci and Gang Zhang
University of Florida - Department of Finance, Insurance and Real Estate, Johns Hopkins University - Carey Business School and Cheung Kong Graduate School of Business
Downloads 91 (606,299)

Abstract:

Loading...

Bank efficiency, Cost of Intermediation, Growth, Firm Size Distribution, Technology Adoption, Productivity.

9.

Investing in Lending Technology: It Spending in Banking

NBER Working Paper No. w30403
Number of pages: 132 Posted: 29 Aug 2022 Last Revised: 14 Apr 2023
Zhiguo He, Sheila Jiang, Douglas Xu and Xiao Yin
Stanford University - Knight Management Center, University of Florida - Department of Finance, Insurance and Real Estate, University of Florida - Warrington College of Business Administration and University College London
Downloads 44 (885,078)
Citation 2

Abstract:

Loading...

10.

Banking on Technology: Bank Technology Adoption and its Effects

NBER Working Paper No. w33551
Number of pages: 62 Posted: 10 Mar 2025
Sheila Jiang, Alessandro Rebucci and Gang Zhang
University of Florida - Department of Finance, Insurance and Real Estate, Johns Hopkins University - Carey Business School and Cheung Kong Graduate School of Business
Downloads 9 (1,271,019)
  • Add to Cart

Abstract:

Loading...

11.

Tech-Driven Intermediation in the Originate-to-Distribute Model

NBER Working Paper No. w32052
Number of pages: 87 Posted: 22 Jan 2024
Zhiguo He, Sheila Jiang and Douglas Xu
Stanford University, University of Florida - Department of Finance, Insurance and Real Estate and University of Florida - Warrington College of Business Administration
Downloads 5 (1,299,118)
Citation 1
  • Add to Cart

Abstract:

Loading...