Kristopher Gerardi

• [2026 JFE] 罚款本是好工具，为什么这次罚出了一场信贷退潮？Government Litigation Risk and the Decline in Low-income Mortgage LendingMay 2026
• [2023 JFE] 利率往下走的时候，是谁先按下了「再融资」键Mortgage Prepayment, Race, and Monetary PolicyJan 2023