Vincent Yao

12 catalog papers. Identity-linked publications and additional name matches are distinguished below.

ORCID: 0000-0002-4660-8199

Georgia State University

Publications

• Second Chance: Life with Less Student Debt — The Journal of Finance 2026
• Surviving the fintech disruption — Journal of Financial Economics 2025
• Searching for Approval — Econometrica 2024 (name-matched, not ORCID-linked)
• Corporate Climate Risk: Measurements and Responses — The Review of Financial Studies 2024
• Valuing Long-Term Property Rights with Anticipated Political Regime Shifts — American Economic Review 2024
• Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinance Program — The Review of Economic Studies 2023
• The pass-through of uncertainty shocks to households — Journal of Financial Economics 2022
• Fintech Borrowers: Lax Screening or Cream-Skimming? — The Review of Financial Studies 2021
• Systematic mistakes in the mortgage market and lack of financial sophistication — Journal of Financial Economics 2017
• Interest Rate Pass-Through: Mortgage Rates, Household Consumption, and Voluntary Deleveraging — American Economic Review 2017
• Why Do Borrowers Make Mortgage Refinancing Mistakes? — Management Science 2016
• Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market — Management Science 2015