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
Visiting Professor (For. AI ), Seoul School of Integrated Sciences and Technologies(aSSIST) , Korea, 2026,09-present
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
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
Chief Researcher，Joint Lab of Global Digital Finance Center，2023-2025
Data Analyst, Vadis (Brussels), May 2008–Sep 2011;
Technical Consultant, Attentio (Brussels), Aug 2008–Aug 2010
Academic & Advisory Roles
Member of Program Committee, the First Workshop on Multimodal and Foundation Models in Banking (MFMB 2026), ACM ICAIF ’26 (Bocconi University in Milan) , 15 November 2026.
Master’s Supervisor, School of Finance, Renmin University of China, Sep 2016–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 & Machine Learning
- Data Economy & MyData
- Credit reporting & credit risk management
- Financial technology & digital finance
- Financial network analysis & RegTech
Selected Publications
Xinhai Liu，Guangyong AN，Shanli Zhang，Consumer Credit Repair in China and A Global Comparative Reference，Contemporary Chinese Society Studies，June，2026. Published by Viridian Young, California, USA,ISBN: 978-1-954914-01-8.
- Endogenous Formation of Guaranteed Loan Networks (with Jian Feng, Shiyang Huang, Dong Lou, and Kathy Yuan), Draft available upon request.
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)