Contract theory formalises the common sense that excess payments help prevent careless driving, which insurance companies cannot perfectly monitor.
契约理论正式确立了这种常识：自掏腰包的额外费用有助于阻止粗心驾驶，而后者是保险公司无法完美监测的。
Current Research Interests: economics and credit risk management of banking, corporate finance theory, behavioral finance, economics of risk and insurance, contract theory.
主要研究方向及特色：目前研究兴趣：商业银行经济理论与信用风险管理、公司金融、行为金融、保险经济学、合约理论。
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