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Junru Zhang

Edith Cowan University

270 Joondalup Dr

Perth

Joondalup, WA Western Australia 6027

Australia

  • Edith Cowan University

SCHOLARLY PAPERS

5

DOWNLOADS

312

TOTAL CITATIONS

1

Scholarly Papers (5)

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1.

Does Artificial Intelligence Mitigate Climate Change Exposure?

Number of pages: 61 Posted: 30 Jul 2024
Junru Zhang, Le Luo and Joey (Wenling) Yang
Edith Cowan University, Macquarie University and The University of Western Australia
Downloads 159 (469,621)

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climate change exposure, AI innovation, carbon efficiency, machine learning, regulatory intervention, life cycle

2.

Navigating Climate Risk: Opportunities and Challenges on Financial and Social Efficiencies for Microfinance Institutions

Number of pages: 62 Posted: 27 Apr 2024
Chen Zheng and Junru Zhang
Curtin University and Edith Cowan University
Downloads 73 (852,604)
Citation 1

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Microfinance institutions, Financial efficiency, Social efficiency, Climate risk

3.

Artificial Intelligence Innovation and the Cost of Bank Loans

Number of pages: 42 Posted: 24 Mar 2026
Theophilus Osah, Junru Zhang, Hamdi Ben-Nasr and Shams Pathan
Texas Lutheran University, Edith Cowan University, Qatar University and The German International University
Downloads 38 (1,209,354)

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AI innovation, loan spreads, cost of debt, intangible assets, agency problems

4.

AI meets banks: the key to reducing risk

Number of pages: 81 Posted: 24 Apr 2026
Junru Zhang, Chen Zheng, Joey (Wenling) Yang and Shams Pathan
Edith Cowan University, Curtin University, The University of Western Australia and The German International University
Downloads 30 (1,318,317)

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artificial intelligence, machine learning, bank risk-taking, risk management, California Consumer Privacy Act of 2018, operational efficiency, competition

5.

Artificial intelligence innovation and the cost of bank loans

Number of pages: 42 Posted: 05 May 2026
Theophilus Osah, Junru Zhang, Hamdi Ben-Nasr and Shams Pathan
Texas Lutheran University, Edith Cowan University, Qatar University and The German International University
Downloads 12 (1,534,404)

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AI innovation, loan spreads, Cost of debt, intangible assets, agency problems