Email: xinhai_liu@foxmail.com
Linkedin：https://www.linkedin.com/in/xinhai-liu-756576a/
Education
Ph.D. in Electronic Engineering, KU Leuven, Belgium,2011
Current Position
Chartered Fellow , Global Fintech Institute (https://globalfintechinstitute.org/), 2026,03-present
Member/ Coordinator in China, MyData Global (https://mydata.org/), 2021- present
Vice President, Beijing Credit Society, 2020–present
Chief Expert, China Mergers & Aacuisitions Association, 2019–present
Part -time Master Advisor of Financial School , Remin University
Professional Experience
Chief Researcher，Joint Lab of Global Digital Finance Center，2023-2025
Associate Researcher，Credit Reference Center，People’s Bank of China, 2011–2018
Postdoctoral Fellow (Finance), Financial Research Institute, People’s Bank of China, 2011–2013
Visiting Scholar, London School of Economics, June–December, 2017
Assistant Director / Research Fellow, Intelligent Finance Research Center, Peking University, 2014–2019
Data Analyst, Vadis (Brussels), May 2008–Sep 2011;
Technical Consultant, Attentio (Brussels), Aug 2008–Aug 2010
Academic & Advisory Roles
Master’s Supervisor, School of Finance, Renmin University of China, Sep 2016–present; Guangdong University of Finance, Jul 2019–present
Guest Professor, Guangdong College of Finance, Jul 2020–present;
Specially Invited Expert, Henan Social Credit System Think Tank, Jul 2020–present
Columnist, Caixin , Jun 2014–present;
Columnist, Financial Times （Chinese Web） , Jun 2019–present;
Research Interests
- Artificial intelligence & big-data analytics
- Data Economy
- Credit reporting & credit risk management
- Financial technology & digital finance
- Financial network analysis & RegTech
Selected Publications
Credit Information Services and Big Data, CITIC Press, 2016
Glossary and Illustration of Finanicial Technology，CITIC Press, 2019
Liu X.H. et al., “Optimized Data Fusion for Kernel k-Means Clustering,” IEEE Trans. Pattern Analysis and Machine Intelligence, 34(5): 1031–1039, 2012 （Top Journal in AI field）
J. Feng, S. Liu, X. Liu, D. Lou & K. Yuan, “Endogenous Formation of Guaranteed Loan Networks,” LSE Working Paper, 2023
X. Liu, S. Ji & W. Glänzel, “Multi-view Partitioning by Tensor Methods,” IEEE TKDE, 2013, 25(5): 1056–1069 （Top Journal in Data Mining Field）
X. Liu et al., “Weighted Hybrid Clustering by Combining Text Mining and Bibliometrics,” JASIST, 2010, 61(6): 1105–1119（Top Journal in Information Management field）
Liu X.H., “A credit scoring model based on alternative mobile data for financial inclusion,” Proc. Credit Scoring & Control Conf. XV, Edinburgh, UK, Aug 2017
Translator: “Creditworthy: A History of Consumer Surveillance and Financial Identity in America (Josh Lauer, Columbia University Press, 2017, ISBN 978-7-5220-1365-7), China Financial Publishing House, Jun 2024
Honors & Awards
CNKI Top 1% Highly Cited Scholar (Economics), 2024
SIAM Data Mining Fellowship, 2009; Outstanding Paper Award, 2nd National Postdoc Finance Forum, 2013
Hubei Province Science & Technology Progress Award (Second Prize), 2005;
Second Prize, Hubei Province Science & Technology Progress Award (“Research & Application of Intelligent Visual Information Systems”), 2005
Professional Service & Leadership
Editorial Board Member, Risk Management;
Editor-in-Chief, Journal of AI and Credit Technology , since Jul 2021
Editor-in-Chief, Journal of Data Economy Review/MyData Journal , since Jul 2022
Program Committee: IEEE ICTAI (2012, 2014), IEEE CIFEr (2015)
Member, Financial Innovation Committee, Association of Chinese Scholars & Students Abroad, 2019 – present
Major Projects (as PI)
- NSFC Youth Fund (No. 61105058): Tensor-Based Multi-view Clustering Algorithms & Applications, 2012–2014
- Postdoctoral Fund (No. 2012M510646): Information-Intensive Challenges in Financial Risk Management, 2012–2013
- SRF for ROCS (No. 2015-48): Social Network Analysis in Credit Risk Management, Ministry of Education, 2014–2015
- Key Issues in Big-Data Applications to Social Credit Construction, NDRC, 2018–2019
- Mechanisms for Sharing & Utilizing Overseas Investment Credit Data, NDRC & World Bank, 2020–2021
- Foundational Research & Applications of Personal Credit Data, Du Xiaoman Financial, 2019–2020
- Formation Mechanisms & Countermeasures of Collective Consumer Credit Crises, Du Xiaoman Financial, 2019–2020
- Innovative Personal Credit Business Models via Data-Value Platforms, Ant Group, 2022
- Innovation & Practice in Commercial Credit, Ant Group, 2022
Selected Collaborative Projects
Vision-Based Localization for Wearable Computers, EU-funded, 2006–2008
Second-Generation Credit System Architecture, Credit Reference Center & IBM, 2013–2015 (Sub-project Lead)