معرفی
Yu Tong serves as an Assistant Professor in the Department of Finance at Tsinghua University's School of Economics and Management since July 2025, following her tenure as a Senior Research Fellow at the UK's Financial Conduct Authority (2022-2024). Her academic foundation spans multiple elite institutions across three continents.
Educational background:
- PhD in Finance, Imperial College London (2025)
- Master of Business Studies (Finance), Imperial College London (2019)
- Master of Finance and Economics, London School of Economics (2018)
- Master of Economics, University of Wisconsin-Madison (2017)
- Bachelor of Economics (Financial Engineering), Wuhan University (2014)
Her research critically examines how Financial Intermediation and FinTech reshape economic relationships between financial institutions, firms, entrepreneurs, and households. This work integrates corporate finance, entrepreneurial finance, and banking with regulatory implications, particularly focusing on open banking's impact on credit access, data-driven collateralization, and fintech competition. Current investigations extend into AI applications in financial crime detection and alternative finance markets.
Her seminal Journal of Financial Economics publication (2025) establishes open banking as a catalyst for fintech innovation and welfare improvement through reduced information asymmetry. Ongoing work explores collateralization mechanisms in small business lending, payday loan market dynamics, and cryptocurrency market performance, forming a cohesive research program at the finance-technology-regulation nexus.
Award recognition includes:
- Brattle Group Ph.D. Candidate Award for Outstanding Research (WFA 2025)
- SANFI Best Paper on Banking (Spanish Finance Association 2025)
- Philipp Sandner Award Runner-up in Digital Finance Research (Frankfurt School 2025)
Dr. Tong teaches Empirical Corporate Finance (PhD), Venture Capital and Private Equity, and Finance of Innovation (Master's programs), while actively presenting at major international conferences including WFA, EFA, and Stanford SITE. Her policy contributions through FCA publications demonstrate applied research impact on financial regulation.
