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                <h1>Jun Yoo</h1>
                <p class="title">Doctoral Candidate in Economics</p>
                <p class="affiliation">The Graduate Center, CUNY &amp; Baruch College, Zicklin School of Business</p>
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                    Hi! My name is Jun Yoo, and I am a Doctoral candidate at The Graduate Center, CUNY and Baruch College. I study how information frictions and regulatory design shape small business credit markets. My work examines lender specialization, discretion, and the role of soft information.
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                    <strong>Fields:</strong> Banking, Small Business Lending, Private Credit
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