Xavier Vives

• [2025 JFE] 监督做得更差，却照样抢走你的客户——金融科技凭什么挤进信贷市场Fintech Entry, Lending Market Competition, and WelfareJun 2026
• [2025 JFE] 两种技术，两种命运：当「更先进的 IT」未必带来更激烈的竞争Information Technology and Lender CompetitionJun 2026