Hello! I am Tsung-Hsien [Zōng-Xiàn].
I am a Ph.D. candidate in Economics at the University of Mannheim. My research interests are Macroeconomics and Computational Economics.
I will join Institute of Economics, Academia Sinica as an Assistant Research Fellow in Fall 2023, after spending one year as a Max Weber Postdoctoral Fellow at European University Institute.
You can find my CV here.
“Households may rationally choose expensive payday loans over cheaper alternatives to protect their credit scores!”
Previously circulated under the title “Are Payday Loan Users Irrational? A Credit-Scoring Approach (or Explanation)” and presented at: Mannheim CDSE seminar (2x), Mannheim Macro Seminar (3x), Mannheim Internal Seminar, CRC/TR 224 7th Young Researchers Workshop, Warwick Economics PhD Conference 2021, CES Annual Conference 2021, ENTER Jamboree 2021, 11th GESS Research Day, TEA Annual Conference 2021, National Taipei University, SAEe 2021, Academia Sinica, 15th RGS Doctoral Conference in Economics, 26th Spring Meeting of Young Economists, 4th QMUL Economics and Finance Workshop, EEA-ESEM 2022, CEPR European Conference on Household Finance 2022 (scheduled), Konstanz Doctoral Workshop on Quantitative Dynamic Economics (scheduled).
“Financial frictions increase both borrowing costs and the extent to which household welfare is affected by bankruptcy strictness!”
Presented at: Mannheim CDSE seminar, Mannheim Macro Seminar (3x), Bonn-Mannheim PhD Workshop, CES Annual Conference 2021, SASCA PhD Conference 2022, 2nd Bank of Lithuania Invited Lecture Series/Conference, 2nd Ventotene Macro Workshop (poster), SAEe 2022 (scheduled).
“The misconception of interest compound is not the primary rationale behind the lower financial literacy of payday loan borrowers!”
On the Role of Credit Access in Labor Supply
Unanticipated Financial Distress: Delinquency and Bankruptcy
Collateral Constraints, Housing Prices, and Business Cycles in Taiwan (in Mandarin Chinese) [Available upon request]
Identifying and Evaluating Domestic Systemically Important Banks in Taiwan (in Mandarin Chinese, with Nan-Kuang Chen and Yu-Ning Hwang), 2017, Quarterly Bulletin, Central Bank of R.O.C. (Taiwan), vol. 39(4), pp. 5-36 [Paper]