Han Xia

Han Xia is an Associate Professor of Finance and Managerial Economics at the University of Texas at Dallas' School of Management. His research program centers on incentive distortions in financial markets, examining credit rating agencies, securitization practices, household debt management, and institutional investor behavior. Dr. Xia maintains an active research agenda with recent publications in top finance journals including Journal of Financial Economics, Review of Financial Studies, and Management Science.

Education includes:

• PhD in Business Administration from University of North Carolina at Chapel Hill (2011)
• MSc in Financial Economics from University of Oxford (2007)
• BA from Guangdong University of Foreign Studies (2006)

His research investigates incentive problems across financial systems, including:

• Conflicts in credit rating models (issuer-paid vs investor-paid)
• Securitization's impact on lender monitoring
• Regulatory effects on financial institution risk management
• Household debt overhang effects on human capital investment
• Technology spillovers from R&D tax credits

This work spans corporate finance, household finance, and innovation economics.

Publication analysis reveals evolving research streams: early work (2014-2016) focused on credit rating agencies and securitization, while recent publications (2020-2025) address household finance (student loans, debt overhang), innovation policy, and gender disparities in financial shock resilience. Methodologically, studies combine theoretical modeling with empirical analyses using institutional datasets.

Awards and recognitions include:

• Best Paper Award in Corporate Finance (Midwestern Finance Association 2010)
• Best Paper Award at Entrepreneurial Finance and Innovation Conference (2015)
• Dean's List at Saïd Business School, University of Oxford (2007)
• Distinguished Graduate Honor from Guangdong University of Foreign Studies (2006)

Research has been supported by competitive grants including $62,003 from Hong Kong's Research Grants Council (2010-2012). His work receives attention from media outlets including Bloomberg, NPR, and LSE blogs. Current projects examine student loan repayment incentives and gender performance gaps during financial disruptions.