Lusha Xu University of California, Riverside · Economics

Research

Bringing modern language models to bear on classic questions in macroeconomic measurement and forecasting.

Job Market Paper

1. From Financial Reports to Macroeconomic Forecasts: An LLM-Based Approach

Abstract: Does the granular, qualitative information in corporate financial reports improve our understanding of aggregate economic activity? This paper bridges the gap between micro-level corporate disclosures and macroeconomic forecasting by using a Large Language Model (LLM) to perform structured information extraction from over 20,000 SEC 10-K and 10-Q filings (2001–2025). Unlike traditional dictionary-based methods, I employ a structured questionnaire approach to quantify firm-level operating conditions, labor shortages, and investment plans, deriving these metrics alongside supporting textual evidence and confidence scores. I aggregate these micro-signals into size-weighted quarterly indices to capture economy-wide trends. Using dynamic factor models and partial least squares, I demonstrate that these “textual factors” significantly improve out-of-sample GDP growth forecasts relative to standard benchmarks. The findings suggest that corporate narratives contain timely, forward-looking information that precedes traditional macroeconomic indicators, providing a scalable framework for converting unstructured text into systematic economic data.

Research in Progress

1. Central Bank Digital Currency and Bank Intermediation with Risky Loans

Abstract: Develops a micro-founded general equilibrium model to study how interest-bearing central bank digital currency affects bank intermediation when banks make risky loans. The model examines how CBDC remuneration interacts with deposit competition, bank funding costs, lending decisions, and default risk.

Conference & Seminar Presentations

2027
2027 AEA Annual Meeting, Lightning Round, Washington, DC scheduled
2026
SEA 96th Annual Meeting, Houston, TX scheduled
46th International Symposium on Forecasting, Montréal, Canada
CES China Annual Conference online
2025
35th Annual Midwest Econometrics Group Conference, University of Illinois Urbana-Champaign, IL
UC Riverside ECON-GSA Brown Bag Seminar
2024
UC Riverside Macroeconomics Reading Group
2023
UC Riverside Graduate Student Seminar