Hongyan Liang

Dr. Hongyan Liang is a Senior Lecturer in Business Administration at the University of Illinois at Urbana-Champaign. Her research bridges finance, machine learning, and policy analysis.

• Key Research Areas: Mortgages, Credit Risk, Fintech, Racial Disparities, Debt Liquidity Risk, Consumer Credit

Her work explores how machine learning transforms risk assessment in mortgage lending, credit scoring, and financial forecasting. Recent studies compare fintech and traditional lenders' practices under regulatory oversight and analyze macroeconomic drivers of credit loss predictions.

Analysis of her 15 most recent publications reveals trends in applying machine learning to financial data, with a focus on fairness, risk modeling, and policy implications. She collaborates extensively on topics linking debt liquidity, firm growth, and market dynamics.