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David Cho, Ph.D.

David Cho
Associate Professor of Finance


  • PHD - University of Chicago - Business
  • MBA - University of Chicago - Business
  • MS - London School of Economics - Economics
  • BA - Seoul National University, Korea - Economics

Dr. David Cho is an Associate Professor of Finance at the H. Wayne Huizenga College of Business and Entrepreneurship and has been a member of NSU since 2008.

Dr. Cho instructs courses in Finance and Economics at both the undergraduate and master's levels. His current research focuses on investments, credit markets, personal finance, and financial econometrics.

His work has been featured in prestigious journals such as the Journal of Portfolio Management, Journal of Empirical Finance, Economic Modelling, Psychological Science, American Journal of Clinical Nutrition, Empirical Economics Letters, Journal of Asset Management, Emerging Markets Finance and Trade, Journal of Financial Planning, Journal of Family Business and Management, Applied Economics Letters, Managerial Finance, International Advances in Economic Research and Economics Bulletin.

He holds a Ph.D. from the University of Chicago, Booth School of Business, where he studied under several Nobel laureates. Additionally, Dr. Cho holds an M.B.A. from the University of Chicago and an MSc in Economics from the London School of Economics. Before his tenure at NSU, Dr. Cho served as an assistant professor at SUNY-Buffalo from 2003.

ECN 2020 Principles of Microeconomics
ECN 2025 Principles of Macroeconomics
FIN 3120 Principles of Investments
FIN 5130 Financial Management
FIN 5545 Financial Engineering

Are Minorities Still Paying Higher Mortgage Interest Rates?, American Council on Consumer Interest Conference, 2023, Las Vegas, NV

U.S. consumer overconfidence in financial knowledge and risk-taking behaviors, American Council on Consumer Interest Conference, 2021

Not all professional advice is equal: Racial differences in loan approvals and professional advice, 88th International Atlantic Economic Conference, 2019, Miami, FL

Family Firm Succession, Korea Entrepreneurship Society Spring Conference, 2017, Miami, FL

Family Firm Succession and Performance, International Academy of Business and Economics, 2016,

Hyungkee Baek, David Cho, Investor Overconfidence and Risky Behaviors, Economics Bulletin (), pp..

Hyungkee Baek, David Cho (2023), Are Minorities Still Paying Higher Mortgage Interest Rates?, International Advances in Economic Research 29, pp. 31-47.

Hyungkee Baek, David Cho, Robert Jordan, & Emre Kuvvet (2020). The Differential Effect of Social Disclosure on Loan Funding and Loan Repayment: Evidence from Fixed-Rate Peer-to-Peer Lending. Managerial Finance 47(3), pp. 394-412.

Hyungkee Baek & David Cho (2020). Are there Racial Differences in Loan Approvals?. Applied Economics Letters 28(4), pp. 260-263.

Hyungkee Baek & David Cho (2017). Family firm succession and performance. Applied Economics Letters 24(2), pp. 117-121.

Hyungkee Baek, David Cho, & Philip Fazio (2016). Family Ownership, Control and Corporate Capital Structure: An Examination of Small Capitalization Public Firms. Journal of Family Business Management 6(2), pp. 169-185.

David Cho & Emre Kuvvet (2015). Dollar-Cost Averaging: The Trade-Off Between Risk and Return. Journal of Financial Planning 2015(10), pp. 52-58. • Cited in “Dollar Cost Averaging May Help to Manage Risk but on Average It Just Reduces Returns,” Kitces (Popular financial advisor blog), March 9, 2016.

Hyungkee Baek, David Cho, & D Kim (2012). Multinational Real Options and Hysteresis: An Examination of FDIs in Manufacturing, and Hard- and Soft-Service Industries. Emerging Markets Finance & Trade 48(1), pp. 5-17.

David Cho (2011). Estimation Risk in Covariance. Journal of Asset Management 12(4), pp. 248-259.

David Cho (2009). Semi-parametric Kurtosis of a GARCH Process. Empirical Economics Letters 8(8), pp. 723-734.

David Cho, Leonard Epstein, Kelly Dearing, Rocco Paluch, & James Roemmich (2007). Price and Maternal Obesity Influence Purchasing of Low and High Energy Dense Foods. American Journal of Clinical Nutrition 86(), pp. 914-922.

David Cho & Leonard Epstein (2006). Purchases of Food in Youth: Influence of Price and Income. Psychological Science 17(), pp. 82-89.

David Cho, Chung-Shu Wu, Jin-Lung Lin, & George Tiao (2005). Is Money Demand in Taiwan Stable?. Economic Modelling 22(), pp. 327-3446.

David Cho, Jeffrey Russell, George Tiao, & Ruey Tsay (2003). The Magnet Effect of Price Limits: Evidence from High-Frequency Data on Taiwan Stock Exchange. Journal of Empirical Finance 10(), pp. 133-168.

David Cho, Stefano Cavaglia, & Brian Singer (2001). Risks of Sector Rotation Strategies. Journal of Portfolio Management 27(), pp. 35-44.

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