Ruoning Han is a Visiting Assistant Professor of Economics at Tulane University. Her research interests are financial economics, monetary economics, banking, and applied microeconometrics. Her current research focuses on the incentives and behavior of financial institutions under financial frictions and study the impact of prudential regulations and regulatory oversight. Examples of her research include bank credit risk management under internal model-based capital requirements, and bank liquidity hoarding in the interbank lending market. She is also interested in household finance and alternative finance. Examples of her work include the analysis of the role of FinTech companies in managing working capital for small and medium enterprises (SMEs), and the impact of frequency of loan repayments on households’ consumption and saving behavior. She received her Ph.D. in Economics at the University of Kansas in 2020.