2019年耶鲁最受欢迎的前40名案例中，我院与耶鲁管理学院合作开发的蚂蚁金服案例(Ant Financial: Flourishing Farmer Loans at MYbank)排在第6位。该案例于2017年2月正式上线，当年位列第7位，2018年位列第9位，2019年位列第6位。

以下为相关内容链接：

https://som.yale.edu/news/2020/02/top-40-most-popular-case-studies-of-2019

案例简介:

#6 - Ant Financial

Faculty Supervision: K. Sudhir in cooperation with Renmin University of China School of Business

In 2015, Ant Financial’s MYbank (an offshoot of Jack Ma’s Alibaba company) was looking to extend services to rural areas in China by providing small loans to farmers. Microloans have always been costly for financial institutions to offer to the unbanked (though important in development) but MYbank believed that fintech innovations such as using the internet to communicate with loan applicants and judge their creditworthiness would make the program sustainable. Students are asked whether MYbank could operate the program at scale? Would its big data and technical analysis provide an accurate measure of credit risk for loans to small customers? Could MYbank rely on its new credit-scoring system to reduce operating costs to make the program sustainable? What are the social costs of introducing credit scoring to China?