Jinyuan Zhang

Assistant Professor of Finance


Jinyuan Zhang’s expertise lies in the area of financial intermediation, encompassing banking, pension funds and mutual funds. She joined the UCLA Anderson School of Management as an assistant professor of finance in 2021. She studies the micro implications of macro policies. Her recent research shows that households reallocate savings between bank deposits and stocks in response to large state public pension deficits, and such reallocations affect local bank lending, business establishments and employment.


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3 Articles

Black and white image of train tracks Research Brief / Banking

How Banking’s Bifurcated Deposit Approach Is Altering Lending — and Risk

Offering higher deposit rates lessens emphasis on loans of fixed rate and longer maturity

Vintage desktop calendar isolated on a white background. Research Brief / Bond Market

Unintended Consequence of Stale Corporate Bond Fund Prices Amid Fed Tightening

In wild markets, do the most dated prices actually reduce redemptions?

An older man fills out forms in front of a bank teller while an older woman on the right talks to a bank teller. Research Brief / Banking

Mobile Banking, a Boon to Many, Disadvantages Those Who Bank at Branches

Banks close neighborhood outlets and raise prices for branch-delivered services