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Xinlei Zhao

Lead Expert
Credit Risk Analysis Division

Xinlei Zhao (small jpg)  

Xinlei Zhao is a Lead Expert in the Credit Risk Analysis Division within the Economics Department of the Office of the Comptroller of the Currency (OCC).

Dr. Zhao’s current research interests include credit risk modeling, asset pricing, and corporate finance. Her fields of interest include credit risk modeling, asset pricing, and corporate finance. Before joining the OCC, Dr. Zhao was an associate professor of finance at the Kent State University. She holds a doctorate in finance from the University of Toronto and an undergraduate degree from the Zhejiang University in China.

  1. Chen, Robert and Xinlei Zhao, 2005, "The Information Content of Insider Options Trading," Financial Management, 34, p153-172.
  2. Li, Xianghong and Xinlei Zhao, 2006, "Propensity Score Matching and Abnormal Performance After Seasoned Equity Offering," Journal of Empirical Finance, 13, p351-370.
  3. Chen, Long and Xinlei Zhao, 2006, "On the relation between the market-to-book ratio, growth opportunity, and leverage ratio," Financial Research Letters, 3, 253-266.
  4. Chen, Long and Xinlei Zhao, 2007, "Mechanical Mean Reversion of Leverage Ratios," Economics Letters, 95, 223-229.
  5. Li, Kai and Xinlei Zhao, 2008, "Asymmetric Information and Dividend Policy," Financial Management, 37, 673-694.
  6. Li, Kai, Hernan Ortiz-Molina and Xinlei Zhao, 2008, "Do Institutional Investors Care About Voting Rights? Evidence From Institutional Investment in Dual-Class Firms," Financial Management, 37, 713-745 (Winner of the Best Paper Award at the 2007 Northern Finance Association Meetings).
  7. Xinlei Zhao, 2009, "Technological Innovation and Acquisitions," Management Science, 55, 1170-1183.
  8. Chen, Long and Xinlei Zhao, 2009, "Return Decomposition," Review of Financial Studies, 22, 5213-5349.
  9. Qi, Min, and Xinlei Zhao, 2011, "A Comparison of Methods to Model Loss Given Default," Journal of Banking and Finance, 35, 2842-2855.
  10. Pu, Xiaoling and Xinlei Zhao, 2012, "Correlation in Credit Risk Changes," Journal of Banking and Finance, 36, 1093-1106.
  11. Sun, Junjie, Xiaolong Yang, and Xinlei Zhao, 2012, "Understanding commercial real estate indices," Journal of Real Estate Portfolio Management, 18(3), 289-303.
  12. Chen, Long, Da Zhi, and Xinlei Zhao, 2013, "What drives stock price movement?" Review of Financial Studies, 26(4), 841-875.