GSTDTAP  > 气候变化
The Gender Gap in Peer-to-Peer Lending: Evidence from the People’s Republic of China
[unavailable]
2019-07-10
出版年2019
语种英语
国家国际
领域气候变化
英文摘要 The Gender Gap in Peer-to-Peer Lending: Evidence from the People’s Republic of China

Lending to female borrowers is associated with better loan performance.

We document and analyze the gender gap in the online credit market. Using data from Renrendai, a leading peer-to-peer lending platform in the People’s Republic of China (PRC), we show that lending to female borrowers is associated with better loan performance, including a lower probability of default, a higher expected profit, and a lower expected loss than for their male peers. However, despite the higher creditworthiness, we don’t find any measurable gender impact on funding success rate, meaning that female borrowers have to compensate lenders by providing higher profitability to achieve a similar funding probability to their male peers. This evidence indicates the existence of a gender gap that discriminates against female borrowers. Further analysis implies that this gender gap is independent of the amount of information disclosed by borrowers.

WORKING PAPER NO: 977
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来源平台Asian Development Bank
文献类型科技报告
条目标识符http://119.78.100.173/C666/handle/2XK7JSWQ/238121
专题气候变化
推荐引用方式
GB/T 7714
[unavailable]. The Gender Gap in Peer-to-Peer Lending: Evidence from the People’s Republic of China,2019.
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