A Clean Slate: The Impact of Employer Credit Check Bans on Financially-Motivated Crimes

主講人 : 陳暘暘 教授

This paper examines the effect of staggered adoption of state-level credit check bans (CCBs) on financially motivated neighborhood crimes. We find that counties in states implementing CCBs experience a 14.7% reduction in crime. This reduction is more pronounced in localities with more financially distressed residents or stronger protection of civil rights. We also find that CCBs increase the job-finding rates of persistently unemployed individuals and stimulate cross-state migration from non-CCB-states to CCB-states. Taken together, our findings reveal how limiting employer access to individual credit information generates meaningful societal benefits beyond the labor market.

主講人簡(jiǎn)介：

陳暘暘，香港城市大學(xué)商學(xué)院會(huì)計(jì)系教授、系主任。陳暘暘在墨爾本大學(xué)獲得博士學(xué)位，曾任職于香港理工大學(xué)和莫納什大學(xué)。研究方向?yàn)楣矩?cái)務(wù)和財(cái)務(wù)會(huì)計(jì)，包括管理薪酬、公司創(chuàng)新、審計(jì)質(zhì)量與定價(jià)、盈余管理、公司披露等。研究成果發(fā)表于The Accounting Review, Journal of Accounting Research, Journal of Financial Economics, Management Science, Journal of Financial and Quantitative Analysis, Contemporary Accounting Research, Review of Accounting Studies等國(guó)際頂尖期刊。陳教授目前擔(dān)任China Journal of Accounting Research主編、Journal of Contemporary Accounting and Economics聯(lián)合主編。