I am an Assistant Professor of Finance at NUS Business School, National University of Singapore. My research focuses on banking, financial stability, and household finance and has been published in the Review of Financial Studies, the Proceedings of the National Academy of Sciences, and Management Science. I hold a Ph.D. in Finance from New York University Stern School of Business.

NUS Page | Google Scholar | SSRN

Recent Updates

• “Nonperforming Loan Disposals Without Resolution” was published in Management Science. The working paper version can be found here. The illicit concealment phenomenon documented in this paper was validated by recent regulatory actions, see this article by the Economist.
• “Reducing Racial Disparities in Consumer Credit: Evidence from Anonymous Loan Applications” was accepted for publication in Management Science.
• “Digital Payments and Consumption: Evidence from the 2016 Demonetization in India” was published in the Review of Financial Studies.
• We are now revising “Supporting Seniors: How Low-Income Elderly Individuals Respond to a Retirement Support Program” for Management Science.

Contact Info

NUS Business School
Mochtar Riady Building
15 Kent Ridge Drive, BIZ1 07-72
Singapore 119245

Tel: +65 6516 7505
Email: tianyue.ruan@nus.edu.sg