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Xiao Yin

University College London

Gower Street

London, London WC1E 6BT

United Kingdom

  • University College London

SCHOLARLY PAPERS

9

DOWNLOADS

2,390

TOTAL CITATIONS

16

Scholarly Papers (9)

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1.

Investing in Lending Technology: IT Spending in Banking

Downloads 1,139 (47,664)
Citation 6

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, Amazon.com, Inc., University of Florida - Warrington College of Business Administration and University College London
Downloads 766 (81,166)
Citation 6

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

Investing in Lending Technology: IT Spending in Banking

Accepted for publication at Management Science.
Number of pages: 68 Posted: 05 Oct 2021 Last Revised: 16 Jul 2025
Sheila Jiang, Zhiguo He, Xiao Yin and Douglas Xu
Amazon.com, Inc., Stanford University - Knight Management Center, University College London and University of Florida - Warrington College of Business Administration
Downloads 373 (198,023)

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

2.

Learning in the Limit: Income Inference from Credit Extensions

Journal of Finance - Forthcoming
Number of pages: 52 Posted: 24 Oct 2022 Last Revised: 08 Oct 2025
Xiao Yin
University College London
Downloads 310 (245,173)
Citation 1

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Consumption, MPC, MPB, Credit Supply, Field Experiments, Income Expectations

3.

Higher-Order Beliefs and Risky Asset Holdings

Downloads 233 (340,701)
Citation 1

Higher-Order Beliefs and Risky Asset Holdings

Number of pages: 49 Posted: 09 Jul 2024 Last Revised: 08 Jul 2026
Xiao Yin and Yuriy Gorodnichenko
University College London and University of California, Berkeley
Downloads 127 (594,723)

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surveys, higher-order beliefs, asset pricing, expectations

Higher-Order Beliefs and Risky Asset Holdings

IZA Discussion Paper No. 17120
Number of pages: 49 Posted: 10 Jul 2024 Last Revised: 08 Jul 2026
Yuriy Gorodnichenko and Xiao Yin
University of California, Berkeley - Department of Economics and University College London
Downloads 73 (887,392)

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expectations, surveys, higher-order beliefs, asset pricing

Higher-Order Beliefs and Risky Asset Holdings

NBER Working Paper No. w32680
Number of pages: 73 Posted: 15 Jul 2024
Yuriy Gorodnichenko and Xiao Yin
University of California, Berkeley - Department of Economics and University College London
Downloads 33 (1,311,254)
Citation 1

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4.

Buying the Dip in Retail Trading

Number of pages: 59 Posted: 29 May 2026 Last Revised: 06 Jul 2026
Xiao Yin and Dongchen Zou
University College London and Indiana University - Kelley School of Business - Department of Finance
Downloads 208 (860,052)

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buying the dip, retail order flow, retail investors

5.

The Effects of Big Data on Commercial Banks

Number of pages: 47 Posted: 23 Apr 2024 Last Revised: 31 Oct 2024
Xiao Yin
University College London
Downloads 172 (442,467)

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Information Technology, Small Business Lending, Hard Information, Big Data

6.

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, Amazon.com, Inc., University of Florida - Warrington College of Business Administration and University College London
Downloads 133 (576,708)
Citation 7

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7.

Subjective Income Expectations and Household Debt Choices

Downloads 129 (613,149)
Citation 1

Subjective Income Expectations and Household Debt Choices

University of Chicago, Becker Friedman Institute for Economics Working Paper 84
Number of pages: 61 Posted: 23 Jul 2024 Last Revised: 19 Jun 2026
Francesco D'Acunto, Michael Weber and Xiao Yin
Georgetown University, National Bureau of Economic Research (NBER) and University College London
Downloads 106 (726,646)

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Subjective Income Expectations and Household Debt Cycles

NBER Working Paper No. w32715
Number of pages: 78 Posted: 23 Jul 2024
Francesco D'Acunto, Michael Weber and Xiao Yin
Georgetown University, National Bureau of Economic Research (NBER) and University College London
Downloads 23 (1,473,203)
Citation 1

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8.

Sentiment about Others

Number of pages: 64 Posted: 17 Nov 2025 Last Revised: 29 May 2026
Yukun Liu and Xiao Yin
City University of NY, Baruch College, Zicklin School of Business and University College London
Downloads 51 (1,097,529)

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G41 higher order beliefs, sentiment, disagreement, retail trading, text analysis, language models

9.

The Stress of Debt: Mortgage Refinancing and Labor Supply

Number of pages: 44 Posted: 26 May 2026
Martina Rocchi and Xiao Yin
University College London and University College London
Downloads 15 (1,526,714)

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labor supply, RCT, financial stress