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Personal profile

Research interests

Dr Ru Xie is an Associate Professor of Finance at School of Management, University of Bath. She specialises in empirical banking and finance studies. Recently, she has been working on various research projects in the area of monetary policy and financial uncertainty, including negative interest rate policy (NIRP), financial crisis and funding & market liquidity risk.  Her research has been featured in Financial Times, Bloomberg, CNN, NBC, Sina Finance, Gulf Times, Axios, FXstreet, BNN Bloomberg, Fortune, The Telephgraph, Yahoo!Finance, News Live TV, DailyHeralds, Centre Daily Times, MSN.com, NBCNEWS, Fidelity Investment Research, eTrend, Express, American Banker,  Pressetext Austria, and Swissinfo

Dr Ru Xie previously held positions at Bangor University (Senior Lecturer in Banking and Finance) and Goethe University Frankfurt (Research Fellow). She has also held visiting positions at Bank of Finland, Helsinki and House of Finance, Goethe University Frankfurt. 

Her research work has been published in the Review of Finance, Journal of Banking and Finance, the European Financial Management, the Journal of Financial Services Research, and the International Review of Financial Analysis.


Willing to supervise doctoral students

PhD supervision interests:

  • Empirical Banking and Finance
  • Sustainable Finance

Placements of previous PhD students:

  • Bangor university, European Central Bank, Financial Conduct Authority

PhD examinations:

  • Bath University (internal), Bangor University ( internal), University of Sussex

Education/Academic qualification

PhD in Finance (2010), Goethe University Frankfurt

Award Date: 9 Feb 2010

M.Sc. Finance (2005), Otto-von-Guericke University Magdeburg, Germany

B.Sc. in Economics (2004), Otto-von-Guericke University Magdeburg, Germany

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The Information Content in Financial Markets

Liu, X. & Xie, R.


Project: Research-related funding

Research Output

Bank Margins and Profits in a World of Negative Rates

Molyneux, P., Reghezza, A. & Xie, R., 1 Oct 2019, In : Journal of Banking and Finance. 107, 56 p., 105613.

Research output: Contribution to journalArticle

2 Citations (Scopus)

Did Negative Interest Rates Improve Bank Lending?

Molyneux, P., Reghezza, A., Thornton, J. & Xie, R., 30 Jul 2019, In : Journal of Financial Services Research. p. 1-18 18 p.

Research output: Contribution to journalArticle

Open banking – the invisible reform that will shake up UK financial services

Xie, R. & Molyneux, P., 15 Jan 2018, The Conversation.

Research output: Contribution to specialist publicationArticle

Open Access

In Search of Concepts: The Effects of Speculative Demand on Stock Returns

Ap Gwilym, O., Hasan, I., Wang, Q. & Xie, R., 2 Jun 2016, In : European Financial Management. 22, 3, p. 427 - 449 23 p.

Research output: Contribution to journalArticle

  • 6 Citations (Scopus)

    Small Banks and Local Economic Development

    Hakenes, H., Hasan, I., Molyneux, P. & Xie, R., 1 Mar 2015, In : Review of Finance. 19, 2, p. 653 - 683 31 p.

    Research output: Contribution to journalArticle

    Open Access
  • 29 Citations (Scopus)
    59 Downloads (Pure)