2022杭城论道｜新加坡国立大学秦雨“日照时长对太阳能贷款偿还的影响”
2022年4月6日，新加坡国立大学房地产系副教授秦雨应邀参加“杭城论道”学术沙龙系列活动，分享了题为“日照时长对太阳能贷款偿还的影响”的学术讲座。本次学术沙龙采取线上直播形式，共有超过50位校内外学者参加。讲座由公共管理学院李学文副教授主持。
秦雨教授综合了还款日前一周的日照时长、以及对太阳能发电效率有一定影响的温度、湿度、风速、空气质量等天气指标，对集中于浙江8座城市5683位借贷人的还款情况进行了回归分析。
随后，秦雨指出他们的计量结果显示当地日照时长对于还款意愿具有显著影响，且签约日天气状况会对还债意愿产生长期影响。此外，还细致严谨地分析了太阳光照对于太阳能贷偿还意愿的作用机理，发现光伏发电入网、补贴额度变化等短期流动性约束或为减少自身损失而采取策略性违约的理性逻辑都难以解释这一现象，而主要产生影响的方式为投射偏误等心理认知所导致的贷款违约。而后还针对性地提出了一系列政策建议来避免借款人的违约风险。
短短一个半小时，本次讲座就让大家收获颇丰。秦雨教授结构严谨、思路清晰地向大家讲述了日照时长对太阳能贷的影响效应和作用机理，并在讲座过程中详尽解答了各位学者提出的困惑，为大家在相关领域研究提供了良好的研究方法与思路。
【主讲人简介】
Yu Qin is an associate professor (with tenure) in the Department of Real Estate at the NUS Business School. Her research interests include urban economics (on topics related to transportation and real estate market) and environmental economics (on topics related to air pollution and climate change). Her research is published in leading journals, including Nature Climate Change, Nature Human Behaviour, Journal of Public Economics, Review of Finance, JAMA Network Open, Journal of Environmental Economics and Management, Journal of Comparative Economics, Journal of Economic Geography, Real Estate Economics and Regional Science and Urban Economics, among others. Currently, she is the co-editor of the China Economic Review, associate editor of Journal of Economic Behavior & Organization, and in the editorial board of Journal of Economic Geography. Yu completed her PhD in applied economics and management at Cornell University in 2014.
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