박사 학위는 출판 가능한 논문에 기록된 지식에 독창적인 기여를 하는 지도 교수진의 지원을 받는 독립적이고 자율적인 학술 연구 학위 프로그램입니다. 박사 학위 프로그램은 또한 어떤 환경에서든 전문 연구자로서 성공적으로 활동할 수 있도록 연구 및 일반 기술을 개발하는 것을 지원합니다. 박사 학위의 필수 요건은 새로운 지식을 창출하는 것입니다. 연구자가 된다는 것은...
Degrees · NOV 13, 2024 ; Accelerated online doctoral programs provide convenience, flexibility, and rapid progress, meeting the requirements of employed professionals striving for swift career advancement. Field of Study. Some fields, like medicine, engineering, and certain business specializations, typically have higher earning potential for doctoral graduates compared to others like humanities or education. Universities that offer this program: Grand Canyon University, Capella University ...
Explore the MRes/PhD Finance degree at LSE.
The Department of Finance invites applications for PhD scholarships in Finance with application deadline March 29, 2021. An online information meeting will take
* 비EU/EEA 국가 출신 지원자는 4월 30일까지 지원하는 것이 좋습니다. ** online application fee: 720 CZK. Paper application fee: 770 CZK
Johan Hombert Associate Professor, HEC Paris, Supervisor ; Abstract: This three-chapter thesis investigates the benefit and cost of financial technology (FinTech) for consumers and firms. The first chapter studies whether, in the consumer credit market, peer-to-peer (P2P) lending platforms serve as substitutes for banks or instead as complements. I develop a conceptual framework and derive testable predictions to distinguish between these two possibilities. Using a regulatory change as an exogenous shock to bank credit supply, I find that P2P lending is a substitute for bank lending in terms of serving infra-marginal bank borrowers yet complements bank lending with respect to small loans. These results indicate that the credit expansion resulting from P2P lending likely occurs only among borrowers who already have access to bank credit. This second chapter focuses on the potential cost of FinTech --- privacy intrusion. In particular, I study the value of privacy, for individuals, using data from large-scale field experiments that vary disclosure requirements for loan applicants and loan terms on an online peer-to-peer lending platform in China. I find that loan applicants attach positive value to personal data: Lower disclosure requirements significantly increase the rate at which applications are completed. I quantify the monetary value of personal data— and the welfare effect of various disclosure policies—by developing a structural model that links individuals’ disclosure, borrowing, and repayment decisions. Using detailed application-level data, I estimate that social network ID and employer contact are valued at 230 RMB (i.e., $33, or 70% of the average daily salary in China); for successful borrowers, this accounts for 8% of the average net present value of a loan. Requiring answers to these application questions reduces borrower welfare by 13% and costs the platform $0.50 in expected revenue per applicant. In the last chapter, I turn to investigate the benefit of FinTech for firms. This chapter is in collaboration with Paul Beaumont (McGill University), AnneSophie Lawniczak (Banque de France), and Eric Vansteenberghe (Paris School of Economics). We evaluate the tradeoff for small business between borrowing from crowd-funding platforms and traditional banks. To do so, we link the universe of Fintech SME loans in France to the credit registry at Banque de France (the French central bank) to obtain a comprehensive credit history of SMEs borrowing from Fintech platforms. The main finding is that following a successful Fintech loan application, SMEs experience a significant increase in bank credit. This result is robust to the inclusion of a control group of SMEs with successful bank loan applications. Importantly, the increase in bank credit is only present for long-term categories, which require collateral. This suggests that FinTech platforms may expand credit access for SMEs by relaxing their collateral constraints. ; Key words: FinTech, financial intermediation, consumer credit, SMEs
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Finance Major · Our finance major encompasses all the major areas of finance. In addition, we offer an internship program that will provide you with invaluable experience to carry into your career. Finance Major ; Finance Minor · A minor in finance proves beneficial whether you pursue a career in business or another field. Gain transferable skills that will make you a well-rounded individual and candidate. Finance Minor
11 Online Finance courses in the UK ✓ Salaries after graduation ✓ University Rankings ✓ Entry requirements
Find the best PhD programmes in the field of Finance from top universities in United States. Check all 52 programmes.