David Scharfstein

• [2024 JFE] 银行不肯放的款，黑人餐馆只能去金融科技公司「绕路」——但绕不过去的那一截Racial Disparities in the Paycheck Protection ProgramJun 2026
• [1990 JFE] 困境企业的『靠山』：为什么有主银行的日本公司摔得更轻The Role of Banks in Reducing the Costs of Financial Distress in JapanJun 2026