Vincent Yao

Georgia State University - J. Mack Robinson College of Business

Professor of Real Estate and Finance

P.O. Box 4050

Atlanta, GA 30303-3083

United States

  • Georgia State University - J. Mack Robinson College of Business

SCHOLARLY PAPERS

46

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246

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352

Scholarly Papers (46)

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1.

Fintech Borrowers: Lax-Screening or Cream-Skimming?

Downloads 1,565 ( 16,649)
Citation 3

Fintech Borrowers: Lax-Screening or Cream-Skimming?

The Review of Financial Studies (forthcoming)
Number of pages: 73 Posted: 16 Aug 2018 Last Revised: 06 Apr 2022
Marco Di Maggio and Vincent Yao
Harvard Business School and Georgia State University - J. Mack Robinson College of Business
Downloads 1,551 (16,589)
Citation 5

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Fintech, Credit History, Self-Control, Present-Bias

Fintech Borrowers: Lax-Screening or Cream-Skimming?

NBER Working Paper No. w28021
Number of pages: 74 Posted: 02 Nov 2020 Last Revised: 25 Jul 2022
Marco Di Maggio and Vincent Yao
Harvard Business School and Georgia State University - J. Mack Robinson College of Business
Downloads 14 (780,155)
Citation 1

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2.

Corporate Climate Risk: Measurements and Responses

Number of pages: 63 Posted: 08 Jan 2020 Last Revised: 03 Dec 2021
Qing Li, Hongyu Shan, Yuehua Tang and Vincent Yao
University of Florida - Department of Finance, Insurance and Real Estate, Fordham University - Finance Area, University of Florida - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 1,490 (17,921)
Citation 5

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Climate risk, Transition Risk, Climate finance, Earnings calls, Valuation, Textual analysis

3.

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinance Program

Downloads 982 ( 33,041)
Citation 15

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinance Program

Columbia Business School Research Paper No. 15-85, Kreisman Working Papers Series in Housing Law and Policy No. 27
Number of pages: 77 Posted: 21 Sep 2015 Last Revised: 24 Apr 2020
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tim Landvoigt, Tomasz Piskorski, Amit Seru and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), University of Pennsylvania - The Wharton School, Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 951 (34,071)
Citation 5

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Financial Crisis, HARP, Debt, Refinancing, Consumption, Spending, Household Finance, Mortgages, Policy Intervention

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program

NBER Working Paper No. w21512
Number of pages: 78 Posted: 31 Aug 2015 Last Revised: 13 Apr 2022
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 31 (640,123)
Citation 3

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4.

Second Chance: Life without Student Debt

Downloads 953 ( 34,486)
Citation 1

Second Chance: Life without Student Debt

Number of pages: 75 Posted: 26 Apr 2019 Last Revised: 09 Mar 2020
Marco Di Maggio, Ankit Kalda, Ankit Kalda and Vincent Yao
Harvard Business School, Indiana University - Kelley School of Business - Department of FinanceWashington University in Saint Louis, John M. Olin Business School and Georgia State University - J. Mack Robinson College of Business
Downloads 922 (35,616)
Citation 1

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Student Debt, Private Student Loans, Legal Settlement, Mobility, Debt Collection

Second Chance: Life Without Student Debt

NBER Working Paper No. w25810
Number of pages: 76 Posted: 07 May 2019 Last Revised: 09 Jan 2022
Marco Di Maggio, Ankit Kalda, Ankit Kalda and Vincent Yao
Harvard Business School, Indiana University - Kelley School of Business - Department of FinanceWashington University in Saint Louis, John M. Olin Business School and Georgia State University - J. Mack Robinson College of Business
Downloads 31 (640,123)

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5.

The Contagion Effect of Foreclosed Properties

Journal of Urban Economics, Vol. 66, No. 3, pp. 164-178
Number of pages: 42 Posted: 17 Jul 2008 Last Revised: 17 Sep 2010
John P. Harding, Eric Rosenblatt and Vincent Yao
University of Connecticut - School of Business - Center for Real Estate and Urban Economic Studies, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business
Downloads 919 (36,304)
Citation 22

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Foreclosure, Contagion

6.

Mortgage Rates, Household Balance Sheets, and the Real Economy

Downloads 872 ( 39,072)
Citation 2

Mortgage Rates, Household Balance Sheets, and the Real Economy

Columbia Business School Research Paper No. 14-53
Number of pages: 61 Posted: 06 Oct 2014 Last Revised: 07 Nov 2014
Benjamin J. Keys, Tomasz Piskorski, Amit Seru and Vincent Yao
The Wharton School - University of Pennsylvania, Real Estate Department, Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 849 (39,917)
Citation 1

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Household Leverage, Crisis, Deleveraging, Monetary Policy, Mortgage Rates, Household Consumption, Adjustable-Rate Mortgages

Mortgage Rates, Household Balance Sheets, and the Real Economy

NBER Working Paper No. w20561
Number of pages: 62 Posted: 06 Oct 2014 Last Revised: 07 Mar 2022
Benjamin J. Keys, Tomasz Piskorski, Amit Seru and Vincent Yao
The Wharton School - University of Pennsylvania, Real Estate Department, Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 23 (700,019)

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7.

Spillover Effects of Foreclosures on Neighborhood Property Values

Journal of Real Estate Finance and Economics, Vol. 38, No. 4, May 2009
Number of pages: 36 Posted: 29 Nov 2007 Last Revised: 07 Jan 2015
Zhenguo (Len) Lin, Eric Rosenblatt and Vincent Yao
Florida International University (FIU) - Hollo School of Real Estate, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business
Downloads 659 (56,699)
Citation 10

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Foreclosure, Spillover, Valuation

8.

Surviving the Fintech Disruption

Downloads 581 ( 66,727)

Surviving the Fintech Disruption

Columbia Business School Research Paper Forthcoming
Number of pages: 70 Posted: 07 Jul 2021 Last Revised: 17 May 2022
Wei Jiang, Yuehua Tang, Rachel Xiao and Vincent Yao
Emory University Goizueta Business School, University of Florida - Department of Finance, Georgia State University - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 572 (67,309)

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Fintech, Disruption, Jobs, Tasks, Technology, Innovation

Surviving the Fintech Disruption

NBER Working Paper No. w28668
Number of pages: 64 Posted: 03 May 2021 Last Revised: 24 Jul 2022
Wei Jiang, Yuehua Tang, Rachel Xiao and Vincent Yao
Emory University Goizueta Business School, University of Florida - Department of Finance, Georgia State University - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 9 (831,135)
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9.

Systematic Mistakes in the Mortgage Market and Lack of Financial Sophistication

Journal of Financial Economics (JFE), Forthcoming, Charles A. Dice Working Paper No. 2016-09, Fisher College of Business Working Paper No. 2016-03-9
Number of pages: 45 Posted: 12 Jan 2015 Last Revised: 23 Jun 2016
Sumit Agarwal, Itzhak Ben-David and Vincent Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 517 (77,044)
Citation 36

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Discount points, mortgage decision making, refinancing, leverage, financial literacy, household finance, inattentiveness

10.

Searching for Approval

Downloads 399 (104,588)
Citation 3

Searching for Approval

Number of pages: 77 Posted: 30 Jun 2020
Sumit Agarwal, John Grigsby, Ali Hortaçsu, Gregor Matvos, Amit Seru and Vincent Yao
National University of Singapore, University of Chicago, University of Chicago, Northwestern University - Kellogg School of Management, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 380 (109,741)

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Search, Screening, Mortgages, Credit Markets, Approval, Rejection, Fintech, AI, CRA

Searching for Approval

NBER Working Paper No. w27341
Number of pages: 78 Posted: 09 Jun 2020 Last Revised: 11 Apr 2022
Sumit Agarwal, John Grigsby, Ali Hortaçsu, Gregor Matvos, Amit Seru and Vincent Yao
National University of Singapore, University of Chicago, University of Chicago, Northwestern University - Kellogg School of Management, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 19 (734,025)
Citation 4

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11.

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Downloads 383 (109,638)
Citation 27

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Forthcoming, Management Science
Number of pages: 46 Posted: 07 Jun 2014 Last Revised: 01 Jun 2015
Sumit Agarwal, Richard J. Rosen and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 255 (167,701)
Citation 12

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Household Finance, Mortgages, Refinance, Option Value, Financial Crisis, Rational Inattention

Why Do Borrowers Make Mortgage Refinancing Mistakes?

FRB of Chicago Working Paper No. 2013-02
Number of pages: 52 Posted: 04 May 2013
Sumit Agarwal, Richard J. Rosen and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 128 (306,963)
Citation 26

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Household Finance, Mortgages, Refinance, Option Value, Financial Crisis, Rational Inattention

12.

Financial Decision Making When Buying and Owning a Home

Number of pages: 40 Posted: 21 Sep 2014
Sumit Agarwal, Crocker Herbert Liu, Walter N. Torous and Vincent Yao
National University of Singapore, Cornell University - School of Hotel Administration, Massachusetts Institute of Technology and Georgia State University - J. Mack Robinson College of Business
Downloads 302 (141,742)
Citation 5

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Household Finance, Mortgages, Refinance, Option Value, Financial Crisis

13.

The Mistakes People Make: Financial Decision Making when Buying and Owning a Home

MIT Center for Real Estate Research Paper No. 21/09
Number of pages: 56 Posted: 17 Feb 2021
Sumit Agarwal, Crocker Herbert Liu, Walter N. Torous and Vincent Yao
National University of Singapore, Cornell University - School of Hotel Administration, Massachusetts Institute of Technology and Georgia State University - J. Mack Robinson College of Business
Downloads 286 (149,972)

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Household Finance, Mortgages, Refinance, Option Value, Financial Crisis

14.

The Foreclosure Discount: Myth or Reality?

Journal of Urban Economics, Vol. 71, 2012, 2, p. 204-219.
Number of pages: 45 Posted: 12 Jan 2010 Last Revised: 14 Nov 2015
John P. Harding, Eric Rosenblatt and Vincent Yao
University of Connecticut - School of Business - Center for Real Estate and Urban Economic Studies, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business
Downloads 283 (151,599)
Citation 2

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Foreclosure Discount, Distressed Borrower, Bargaining, Valuation

15.

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Downloads 278 (154,278)
Citation 37

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Number of pages: 47 Posted: 15 Dec 2013
Sumit Agarwal, Itzhak Ben-David and Vincent Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 192 (219,503)
Citation 2

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collateral valuation, lending, banks, loans, default, financial crisis

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Fisher College of Business Working Paper No. 2012-03-011, Charles A. Dice Center Working Paper No. 2012-11
Number of pages: 47 Posted: 02 Jul 2012 Last Revised: 10 Feb 2014
Sumit Agarwal, Itzhak Ben-David and Vincent Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 72 (446,169)

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collateral valuation, institutional pressure, lending, banks, loans, default, financial crisis

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

NBER Working Paper No. w19606
Number of pages: 51 Posted: 01 Nov 2013 Last Revised: 29 Jul 2022
Sumit Agarwal, Itzhak Ben-David and Vincent Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 14 (780,155)
Citation 15

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16.

Can Regulation De-bias Appraisers?

Journal of Financial Intermediation, Forthcoming
Number of pages: 35 Posted: 21 Dec 2014 Last Revised: 23 Apr 2019
Sumit Agarwal, Brent W. Ambrose and Vincent Yao
National University of Singapore, Pennsylvania State University and Georgia State University - J. Mack Robinson College of Business
Downloads 255 (168,320)
Citation 21

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mortgages, valuation, financial crisis, regulations, appraisal bias

17.

Monthly Output Index for the U.S. Transportation Sector

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Monthly Output Index for the U.S. Transportation Sector

Journal of Transportation and Statistics, Vol. 6, No. 2, 2003
Posted: 13 May 2008
Kajal Lahiri, H.O. Stekler, Vincent Yao and Peg Young
State University of New York (SUNY) at Albany, George Washington University - Department of Economics, Georgia State University - J. Mack Robinson College of Business and U.S. Department of Transportation

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transportation output, Fisher Ideal Index,business cycles, growth cycles, freight transportation.

18.

Banking Competition and Shrouded Attributes: Evidence from the US Mortgage Market

Number of pages: 55 Posted: 16 Jan 2017 Last Revised: 18 Feb 2020
Sumit Agarwal, Changcheng Song and Vincent Yao
National University of Singapore, Singapore Management University and Georgia State University - J. Mack Robinson College of Business
Downloads 225 (189,647)
Citation 8

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Deregulation; competition; shrouding; behavioral bias

19.

Model Stability and the Subprime Mortgage Crisis

Downloads 196 (215,643)

Model Stability and the Subprime Mortgage Crisis

Journal of Real Estate Finance and Economics, Forthcoming
Number of pages: 43 Posted: 14 Sep 2010
Xudong An, Yongheng Deng, Eric Rosenblatt and Vincent Yao
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Wisconsin School of Business, University of Wisconsin-Madison, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business
Downloads 196 (215,547)
Citation 1

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Subprime Mortgage, Default Risk, Model Stability, Hazard Model, Logit Model

Model Stability and the Subprime Mortgage Crisis

Journal of Real Estate Finance and Economics, Vol. 45, No. 3, 2012
Posted: 26 Oct 2012 Last Revised: 20 Feb 2021
Xudong An, Yongheng Deng, Eric Rosenblatt and Vincent Yao
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Wisconsin School of Business, University of Wisconsin-Madison, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business

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Subprime mortgage, Default risk, Model stability, Hazard model, Logit model

20.

Financial Literacy and Mortgage Credit: Evidence from the Recent Mortgage Market Crisis

Number of pages: 52 Posted: 18 Jul 2015
Xudong An, Raphael W. Bostic and Vincent Yao
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Atlanta and Georgia State University - J. Mack Robinson College of Business
Downloads 158 (259,232)
Citation 3

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financial literacy, mortgage credit, mortgage choice, borrowing cost, default, prepayment

21.

Lender Steering in Residential Mortgage Markets

Real Estate Economics, Forthcoming.
Number of pages: 33 Posted: 06 Oct 2015 Last Revised: 05 May 2017
Sumit Agarwal, Brent W. Ambrose and Vincent Yao
National University of Singapore, Pennsylvania State University and Georgia State University - J. Mack Robinson College of Business
Downloads 157 (260,564)
Citation 5

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Steering, Securitization, Banking Deregulation, Insurance

22.

The Pass-Through of Uncertainty Shocks to Households

Downloads 139 (287,075)

The Pass-Through of Uncertainty Shocks to Households

Journal of Financial Economics (JFE), Forthcoming
Number of pages: 49 Posted: 18 Sep 2020 Last Revised: 26 Feb 2022
Marco Di Maggio, Amir Kermani, Rodney Ramcharan, Vincent Yao and Edison G. Yu
Harvard Business School, University of California, Berkeley, University of Southern California, Marshall School of Business, Georgia State University - J. Mack Robinson College of Business and Federal Reserve Bank of Philadelphia
Downloads 129 (305,167)

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Employment Risk, Consumption, Insurance

The Pass-Through of Uncertainty Shocks to Households

NBER Working Paper No. w27646
Number of pages: 25 Posted: 10 Aug 2020 Last Revised: 17 Jul 2022
Marco Di Maggio, Amir Kermani, Rodney Ramcharan, Vincent Yao and Edison G. Yu
Harvard Business School, University of California, Berkeley, University of Southern California, Marshall School of Business, Georgia State University - J. Mack Robinson College of Business and Federal Reserve Bank of Philadelphia
Downloads 10 (820,645)

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23.

Preserving a Living Legacy: Marital Ownership and Risk Taking in Family Firms

Number of pages: 52 Posted: 20 Nov 2018 Last Revised: 03 Feb 2020
Yue Pan, Jinli Xiao, Vincent Yao and Jian Zhang
Xiamen University - School of Economics, Xiamen University - School of Management, Georgia State University - J. Mack Robinson College of Business and The University of Hong Kong - Faculty of Business and Economics
Downloads 134 (295,241)
Citation 1

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Gender, Risk taking, Family firm, Family legacy, Cultural norms, Marriage market

24.

Asymmetric Information and Subprime Mortgage Default

Number of pages: 34 Posted: 15 Nov 2015
Xudong An, A. Quang Do, Timothy J. Riddiough and Vincent Yao
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, San Diego State University, University of Wisconsin - School of Business - Department of Real Estate and Urban Land Economics and Georgia State University - J. Mack Robinson College of Business
Downloads 134 (295,241)

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excess premium, soft information, adverse selection, subprime mortgage

25.

Valuation of Long-Term Property Rights under Political Uncertainty

Downloads 131 (300,335)
Citation 1

Valuation of Long-Term Property Rights under Political Uncertainty

University of Chicago, Becker Friedman Institute for Economics Working Paper No. 2020-105
Number of pages: 68 Posted: 11 Aug 2020 Last Revised: 18 Aug 2020
Zhiguo He, Maggie Hu, Zhenping Wang and Vincent Yao
University of Chicago - Finance, The Chinese University of Hong Kong, State of Wisconsin Investment Board and Georgia State University - J. Mack Robinson College of Business
Downloads 123 (316,285)
Citation 2

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Political uncertainty, Housing, Land lease, Asset pricing, Reneging risk

Valuation of Long-Term Property Rights Under Political Uncertainty

NBER Working Paper No. w27665
Number of pages: 75 Posted: 10 Aug 2020 Last Revised: 05 Aug 2022
Zhiguo He, Maggie Hu, Zhenping Wang and Vincent Yao
University of Chicago - Finance, The Chinese University of Hong Kong, State of Wisconsin Investment Board and Georgia State University - J. Mack Robinson College of Business
Downloads 8 (842,022)

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26.

Gender Difference and Intra-Household Economic Power in Mortgage Signing Order

Journal of Financial Intermediation, Forthcoming
Number of pages: 48 Posted: 12 Jun 2015 Last Revised: 20 Jan 2018
Sumit Agarwal, Richard K. Green, Eric Rosenblatt, Vincent Yao and Jian Zhang
National University of Singapore, University of Southern California - Lusk Center for Real Estate, Federal National Mortgage Association (Fannie Mae) - Research, Georgia State University - J. Mack Robinson College of Business and The University of Hong Kong - Faculty of Business and Economics
Downloads 123 (314,824)
Citation 2

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Gender Difference, Economic Power, Mortgage Application, Household Finance

27.

Collateral Pledge, Sunk-Cost Fallacy and Mortgage Default

Number of pages: 37 Posted: 07 Jun 2014 Last Revised: 11 Aug 2014
Sumit Agarwal, Richard K. Green, Eric Rosenblatt and Vincent Yao
National University of Singapore, University of Southern California - Lusk Center for Real Estate, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business
Downloads 112 (336,337)
Citation 6

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Household Finance, Mortgages, Collateral, Option Value, Financial Crisis, Sunk Cost

28.

Relational Contracts in the Housing Market

Georgetown McDonough School of Business Research Paper No. 3076944
Number of pages: 64 Posted: 29 Nov 2017 Last Revised: 14 Apr 2020
Sumit Agarwal, Changcheng Song and Vincent Yao
National University of Singapore, Singapore Management University and Georgia State University - J. Mack Robinson College of Business
Downloads 110 (340,525)
Citation 5

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relational contracts; appraiser; bunching; reputational concern; moral hazard; third party

29.

Credit Expansion, Competition, and House Prices

Number of pages: 45 Posted: 03 Sep 2016 Last Revised: 17 Nov 2016
Xudong An and Vincent Yao
Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Georgia State University - J. Mack Robinson College of Business
Downloads 108 (344,746)
Citation 2

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Conforming loan limit; credit supply; financial crisis

30.

The Political Economy of Loan Modification

Number of pages: 47 Posted: 29 May 2018
Sumit Agarwal, Kristopher Gerardi and Vincent Yao
National University of Singapore, Federal Reserve Bank of Atlanta and Georgia State University - J. Mack Robinson College of Business
Downloads 107 (346,864)

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Political Economy, Financial Crisis, Loan Modification, Mortgages, Dodd-Frank Act

31.

Deadly Subprime Credit

Number of pages: 35 Posted: 03 Sep 2019 Last Revised: 19 Apr 2022
Geng Li, Han Ma and Vincent Yao
Board of Governors of the Federal Reserve System, Shanghai University of Economics and Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 93 (379,863)

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Subprime credit, Traffic fatality, Ridesharing, Fintech

32.

How Do Households Make Mortgage Choices?

Real Estate Economics, Virtual Issue, 2016
Number of pages: 9 Posted: 11 Nov 2016 Last Revised: 07 Dec 2016
Andra C. Ghent and Vincent Yao
University of Utah - David Eccles School of Business and Georgia State University - J. Mack Robinson College of Business
Downloads 90 (387,640)

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Mortgage Choice; Broker; Contracts; Reverse Mortgages

33.

Fintech, Market Power and Monetary Transmission

Number of pages: 33 Posted: 06 Apr 2022 Last Revised: 07 Apr 2022
Vincent Yao
Georgia State University - J. Mack Robinson College of Business
Downloads 89 (390,262)

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Fintech; Banks; Shadow Banking; Monetary Policy Transmission; Household Debt; Market Power

34.

Sales of Distressed Residential Property: What Have We Learned from Recent Research?

Review, Vol. 98, Issue 3, pp. 159-88, 2016
Number of pages: 30 Posted: 15 Sep 2016 Last Revised: 17 Jul 2019
Jeffrey Cohen, Cletus C. Coughlin and Vincent Yao
University of Connecticut - School of Business, Federal Reserve Bank of St. Louis - Research Division and Georgia State University - J. Mack Robinson College of Business
Downloads 80 (415,749)
Citation 1

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35.

Sales Force Incentives and Consumer Credit

Number of pages: 49 Posted: 14 Dec 2021 Last Revised: 01 Jul 2022
Rodney Ramcharan and Vincent Yao
University of Southern California, Marshall School of Business and Georgia State University - J. Mack Robinson College of Business
Downloads 55 (503,496)

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Auto Loans, Sales Incentives, Business Days, Credit Supply, Vertical Integration, Markup

36.

Should Transportation Output Be Included as Part of the Coincident Indicators System?

CESifo Working Paper Series No. 3477
Number of pages: 44 Posted: 06 Jun 2011
Kajal Lahiri and Vincent Yao
State University of New York (SUNY) at Albany and Georgia State University - J. Mack Robinson College of Business
Downloads 53 (511,846)
Citation 1

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transportation services index (TSI), business cycles, coincident indicators

37.

Do People Leave Money on the Table? Evidence from Joint Mortgage Applications and the Minimum FICO Rule

FEDS Notes. No. 2016-03-28 https://doi.org/10.17016/2380-7172.1718
Number of pages: 4 Posted: 17 Mar 2016
Geng Li, Weifeng Wu and Vincent Yao
Board of Governors of the Federal Reserve System, Independent and Georgia State University - J. Mack Robinson College of Business
Downloads 44 (552,885)

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Mistakes; Mortgages; Couples

38.

Statistical Analysis of Home-Sharing Effect

Number of pages: 13 Posted: 16 Feb 2022 Last Revised: 23 May 2022
Liang Peng, Xinyuan Wei and Vincent Yao
Georgia State University - Risk Management & Insurance Department, Georgia State University - Risk Management & Insurance Department and Georgia State University - J. Mack Robinson College of Business
Downloads 42 (562,848)

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Predictability, Regression, Sharing Economy, Stationarity

39.

Comovements and Asymmetric Tail Dependence in State Housing Prices in the US: A Nonparametric Approach

Number of pages: 10 Posted: 28 Aug 2018 Last Revised: 25 Jan 2019
Haitao Huang, Liang Peng and Vincent Yao
Nankai University - School of Finance, Georgia State University - Risk Management & Insurance Department and Georgia State University - J. Mack Robinson College of Business
Downloads 39 (578,226)
Citation 1

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AR-GARCH Model, Comovements, House Price Index

40.

Foreclosure Externalities: Some New Evidence

Downloads 34 (605,969)
Citation 48

Foreclosure Externalities: Some New Evidence

NBER Working Paper No. w18353
Number of pages: 47 Posted: 08 Sep 2012 Last Revised: 24 Feb 2022
Kristopher Gerardi, Eric Rosenblatt, Paul Willen and Vincent Yao
Federal Reserve Bank of Atlanta, Federal National Mortgage Association (Fannie Mae) - Research, Federal Reserve Bank of Boston - Research Department and Georgia State University - J. Mack Robinson College of Business
Downloads 20 (725,362)
Citation 18

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Foreclosure Externalities: Some New Evidence

FRB Atlanta Working Paper No. 2012-11
Number of pages: 46 Posted: 22 Mar 2015
Kristopher Gerardi, Eric Rosenblatt, Paul Willen and Vincent Yao
Federal Reserve Bank of Atlanta, Federal National Mortgage Association (Fannie Mae) - Research, Federal Reserve Bank of Boston - Research Department and Georgia State University - J. Mack Robinson College of Business
Downloads 14 (780,155)
Citation 1

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foreclosure, mortgage, judicial, power of sale, right to cure

41.

Ownership Restriction and Housing Values: Evidence from American Housing Survey

Journal of Real Estate Research, Vol. 32, No. 2, p. 201, 2010
Number of pages: 20 Posted: 16 Oct 2011
Zhenguo (Len) Lin, Yingchun Liu and Vincent Yao
Florida International University (FIU) - Hollo School of Real Estate, Dept. of Finance, Insurance, Real Estate and Law, University of North Texas and Georgia State University - J. Mack Robinson College of Business
Downloads 20 (702,672)

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Ownership restriction, Housing value

42.

Home Equity Extraction by Homeowners: 2000-2006

Journal of Real Estate Research, 2009
Posted: 01 Feb 2009
Michael LaCour-Little, Michael LaCour-Little, Eric Rosenblatt and Vincent Yao
California State University at FullertonFederal National Mortgage Association (Fannie Mae), Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business

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Cash our refinance, equity extraction

43.

Transportation Investment and Economic Development

Annals of Regional Science, Vol. 42, No. 3, 2008
Posted: 03 Sep 2008 Last Revised: 17 Sep 2010
Cletus C. Coughlin, Randall W. Eberts and Vincent Yao
Federal Reserve Bank of St. Louis - Research Division, W.E. Upjohn Institute for Employment Research and Georgia State University - J. Mack Robinson College of Business

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Transportation investment, Economic development

44.

Economic Indicators for the US Transportation Sector

Transportation Research A: Policy and Practice, Vol. 40, No. 10, 2006
Posted: 13 May 2008
Kajal Lahiri and Vincent Yao
State University of New York (SUNY) at Albany and Georgia State University - J. Mack Robinson College of Business

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Transportation, Business cycles, Leading indicators, Index of concordance, Dynamic factor models

45.

Measuring and Predicting Turning Points Using a Dynamic Bi-Factor Model

International Journal of Forecasting, Vol. 21, No. 3, 2005
Posted: 13 May 2008
Konstantin A. Kholodilin and Vincent Yao
German Institute for Economic Research (DIW Berlin) and Georgia State University - J. Mack Robinson College of Business

Abstract:

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Forecasting turning points, Composite coincident indicator, Composite leading indicator, Dynamic bi-factor model

46.

Interstate Spillovers of Private Capital and Public Spending

Annals of Regional Science, Vol. 42, Number 3, pages 505-518, 2008
Posted: 14 Apr 2008 Last Revised: 16 Sep 2010
Vincent Yao and Brian W. Sloboda
Georgia State University - J. Mack Robinson College of Business and affiliation not provided to SSRN

Abstract:

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Private capital stocks, public spending, spillover effects, economic growth, infrastructure investment