I am an Associate Professor of Marketing at Guanghua School of Management, Peking University. I received my Ph.D. in Information Systems and Management from Carnegie Mellon University in 2018 and a dual bachelor's degree in Computer Science and Economics from Tsinghua University in 2013.
I have a particular interest in human-AI collaboration. I also work on projects related to individual users' cross-channel behavior, and FinTech. I pursue multi-disciplinary methodologies, including econometrics, structural modeling, machine learning, and field experiments.
Statement: All my academic articles, media commentaries, opinion pieces, and interviews are listed on the personal website below and on official platforms or channels of Peking University. These lists are updated in real time. Apart from the content listed, I have never published any other articles or given any interviews to media outlets.
本人郑重声明：我撰写的所有学术文章、媒体评论、观点文章及接受的采访，均列于下方所示个人网站及北京大学官方平台/渠道，并会实时更新。除此之外，我从未发表过任何其他文章，也从未接受过列表之外的媒体采访。
Publications Notes: * Equal contribution; † Students when the project was initiated
[16] The Power of Disagreement: A Field Experiment to Investigate Human-Algorithm Collaboration in Loan Evaluations.
Hongchang Wang, Yingjie Zhang, and Tian Lu (2025). Management Science. Accepted.
[15] Individual Sellers' Social Media Participation and Sales Performance in Peer-to-Peer Marketplaces: Evidence from a Quasi-Natural Experiment.
Siliang (Jack) Tong, Yingjie Zhang, Gordon Burtch, and Zhijie Lin (2024). Production and Operations Management. Published online.
[14] Omnificence or Differentiation? An Empirical Study of Knowledge Structure and Career Development of IT Workers.
Yingjie Zhang, Zhiqiang (Eric) Zheng, and Bin Gu (2024). Information Systems Research. Published online.
[13] 1+1>2? Information, Humans, and Machines.
Tian Lu* and Yingjie Zhang*. Information Systems Research 36(1): 394-418, 2024.
[12] Frontiers: Pirating Foes or Creative Friends? Effects of User-Generated Condensed Clips on Demand for Streaming Services.
Guangxin (Alan) Yang†, Yingjie Zhang, and Hongju Liu. Marketing Science 43(3): 469-478, 2024 (Lead Article).
[11] Profit vs. Equality? The Case of Financial Risk Assessment and A New Perspective of Alternative Data.
Tian Lu, Yingjie Zhang, and Beibei Li. Management Information Systems Quarterly 47(4): 1517-1556, 2023.
[10] Ridesharing and Digital Resilience for Urban Anomalies: Evidence from the New York City Taxi Market.
Yingjie Zhang, Beibei Li, and Zhen (Sean) Qian. Information Systems Research 34(4): 1775-1790, 2023.
[9] Learning Individual Behavior Using Sensor Data: The Case of Global Positioning System Traces and Taxi Drivers.
Yingjie Zhang, Beibei Li, and Ramayya Krishnan. Information Systems Research 31(4): 1301-1321, 2020.
[8] Personalized Mobile Targeting with User Engagement Stages: Combining Structural Forward-Looking Hidden Markov Model and Field Experiment.
Yingjie Zhang, Beibei Li, Xueming Luo, and Xiaoyi Wang. Information Systems Research 30(3): 787-804, 2019.
[7] Social Media Meets FinTech Platforms: How Do Online Emotions Support Credit Risk Decision-Making?
Zenan Zhou, Zhichen Chen†, Yingjie Zhang, Tian Lu, and Xianghua Lu (2025). Decision Support Systems. Accepted.
[6] The Effect of Anthropomorphism in Audiobooks on Consumer Behavior Using Machine Learning Algorithms.
Ning Wan†, Baixu Liu†, and Yingjie Zhang (2025). Journal of Marketing Science. Accepted. (in Chinese)
[5] The Higher Risk, The Higher Price? A Theoretical and Empirical Analysis of Pricing Strategy Effectiveness in P2P Lending Platforms.
Dingwei Gu, Tian Lu, Yingjie Zhang, and Pinliang Luo. International Journal of Electronic Commerce 29(1):155–182, 2025.
[4] Last Digit Tendency: Lucky Numbers and Psychological Rounding in Mobile Transactions.
Hai Wang*, Tian Lu*, Yingjie Zhang*, Yue Wu*, Yiheng Sun, Jingran Dong, and Wen Huang. Fundamental Research 5(1): 370-378, 2025.
[3] Consumption Behavior and Credit Default: Empirical Analyses Based on Self-regulation Theory.
Yue Wu†, Yingjie Zhang, Tian Lu, Yunjie Xu, and Yiheng Sun. Quarterly Journal of Economics and Management 2(2): 97-128, 2023. (in Chinese)
[2] Using Online Geotagged and Crowdsourced Data to Understand Human Offline Behavior in the City: An Economic Perspective.
Yingjie Zhang, Beibei Li, and Jason Hong. ACM Transactions on Intelligent Systems and Technology 9(3), 32, 2018.
[1] The Impact of Car Specifications, Prices and Incentives For Battery Electric Vehicles in Norway: Choices of Heterogeneous Consumers.
Yingjie Zhang, Sean Qian, Frances Sprei, and Beibei Li. Transportation Research Part C 69: 386-401, 2016.
Selected Working Papers/Projects
Unraveling Human-AI Teaming: A Review and Outlook.
Bowen Lou*, Tian Lu*, T. S. Raghu*, and Yingjie Zhang*
Crowding the Machine: How Large Language Model Popularity Reshapes Profile Screening.
Paramveer Dhillon*, Yi Gao*, Tian Lu*, and Yingjie Zhang*
Mobile Effects on Interrelated Two-Sided Financial Decisions: Comprehensive Evidence from Field Experiments on Peer-to-Peer Lending Platforms.
Sihan Fang†, Hyeokkoo Eric Kwon, Tian Lu, and Yingjie Zhang
When AI Speaks, Do Humans Lose Listeners? Evidence from the Audiobook Industry.
Ning Wan†, Yingjie Zhang, and Ting Li
Tell Me What You Imagine: An Empirical Examination of Consumer Imagery Using Large Language Models.
Keyi Jiang† and Yingjie Zhang
Beyond the Value for AI Adopters: Analyzing the Impacts of Autonomous Vehicle Testing on Traffic Conditions in California.
Xiaoxiao Wang†, Yingjie Zhang, and Jinyang Zheng
Decomposing AI's Welfare Impacts: A Quantitative Framework
Ning Wan†, Yingjie Zhang, and Ting Li
Less Aversion but More Loafing? Investigating the Role of AI Readability in Human-AI Collaborations.
Xianghua Lu, Yiyu Huang†, Yingjie Zhang, and Lan Shen
北京大学光华管理学院副教授张颖婕发表名为“困局无解体制无救”的文章，痛批习近平当局擅长画大饼。（撷取自北大光华管理学院）
中国领导人习近平上任以来，实施一系列天怒人怨的政策，引发中国经济凋敝，民众生活益发痛苦，当局不仅不知反思，反而更限缩民众吐露心声的空间，严厉打压言论自由，许多体制内知识分子发文批评，最新一例是北京大学光华管理学院副教授张颖婕，她发表名为“困局无解体制无救”的文章，痛批习近平当局擅长画大饼，朝令夕改，导致民众毫无信心，找到机会就往国外跑。文章由海外中文媒体《议报》于5月13日刊出。
张颖婕写道，在美国留学工作10年后，她又回到了熟悉的北京。12年前，她在清华大学毕业后踏上留美攻读博士之路。如今她回到隔壁北大任教已经4年多了，十几年来竟都是习天下共产党的新时代，最深刻的感受，概括下来，无非8个字：困局无解、体制无救。
文章写道，中国国家统计局公布的中国2024年GDP成长是5％。看到这个数字，很多人都笑了。宏观层面，当局公布的经济指标，是肯定要保的，不知道统计局的康义局长当时压力会有多大。但关键的问题是背后经济发展的结构是否健康，百姓们看到这个数字后的微观反应（包括信心与预期等等），这些才是大问题。中微观层面，各行各业大有百业凋敝、信心暗淡的趋势，无论是老百姓还是市场主体都对未来前景忧心忡忡。做生意做不成、钱放在村镇银行还取不出来，纷纷想往外逃。
张颖婕说，她身边的同事，拿到海外永居绿卡的不在少数，很多人都是工作在国内、小孩和资产在国外。例如，北大一位退休校领导是光华管理学院的教授，退休后常年待在国外和孩子在一起，偶尔回来跟同事吐槽一下，院长则更不用说，找到机会就往国外跑。
张颖婕指出，从小在国内长大，后来又到海外读书工作，因为家庭因素回国，她当然希望自己的国家能富裕起来。只是近些年看到的情况不是越来越好，反而是越来越糟。美国有个学者叫余茂春，最著名的一句话就是要把中共当局和中国人民分开，还是很有道理。中共当局最擅长的就是画大饼，为了自己的合法性。更可笑的是，不仅画饼，还不断“翻烙饼”，朝令夕改的情况数不胜数，正式文件说废就废，毫无信用可言，老百姓自然没有信心。
张颖婕举例，前些年一直画的大饼，其中之一就是2035年达到中等已开发国家水准。根据国内同事测算，想达到这个目标，至少每年要确保5％的GDP成长。但保5何其之难！2024年的保5，又有多少水分！年终岁末靠预期型集中出口把数字拉上去，泱泱大国竟然要靠进出口来拉动三分之一的经济成长，这是极不正常的事。更不论这5％背后的经济结构，实在称不上“高品质”。中共自己订定的政策目标，常常被人看作笑话。
文章指出，中国经济历经30多年高速发展，到了十八大之后，成长一路从10％到今天的维持5％都困难，原因有很多重，但根本上，还是经济基础与上层建筑之间产生了矛盾。上层建筑不改革，改革开放释放的发展红利也快到头了。前任领导人看这个问题看得很清楚，温家宝的原话是，没有政治体制改革的成功，经济体制改革不可能进行到底。
张颖婕写道，政治体制再不改革，当前和之后一段时间的困局就将无解！2021年夏天，河南那场大暴雨，官方说法是总共造成小几百人的死亡失踪。事实上，“当我们站在郑州京广路的隧道，看到路面上漂浮具具尸体时，就知道实际的死亡人数绝对被夸小了十倍不止！”这一、两年，社会戾气愈来愈重，砍人伤人暴力事件频繁。中共当局的一个最大笑话，就是言行完全相反。例如，党章裡写的“实事求是、求真务实”，与很多当局的言行完全相悖，老百姓直言，“我们已经看过太多生动的例子，我们现在不好骗了！”
张颖婕直言，政治体制再不改革，无论如何唱响光明论都是无救的体制！有时候被问，你们北大的学者能否说几句公道话，让上面的人听见。但事实上，知识分子什么都做不了。除了一些小修小补的技术细节，不敢说真话，只能配合唱响所谓的光明论。大学、科研院所、企业的体制机制也上行下效，浮躁功利、根本没有长期主义。
张颖婕最后坦言，她没有什么解决方案，但“问题在经济，根子在政治”，如果硬要提方案，大抵是和绝大多数中国老百姓、市场主体、甚至体制内大部分人所期待的一样，那就是政治体制改革，政治体制改革，政治体制改革！重要的话说三遍！
除了张颖婕，广州华南理工大学教授兼生物科学与工程学院院长林影、教授兼院长助理韩双艳，今年4月携手实名发表名为“星星之火，可以燎原！”的反共讨习檄文，批判中国共产党近年一系列惹得天怒人怨的政策，还提起六四天安门悲剧在中国被刻意遗忘，呼吁中国人民奋起而战，反对独裁，争取民主自由！在发表上述反共讨习檄文后，林影和韩双艳已分别被摘除院长和教授兼院长助理职务，个人讯息遭删除。