Gender Discrimination towards Borrowers in Online P2P Lending

摘要：

　　Online peer-to-peer (P2P) lending has developed fast around the world in recent years; however,studies regarding gender discrimination and its rationality for developing countries are limited.Gender discrimination towards borrowers and its rationality in P2P lending in China are studied in this paper.Using data collected from PPdai.com,one of the largest P2P lending platforms in China,we found that,female borrowers are less likely to be funded than male borrowers,but their default rates are lower.Such results suggested that there is significant gender discrimination in P2P lending market in China,but such discrimination is out of prejudice rather than from rational reasoning.Eliminating such gender discrimination is not only beneficial to female borrowers,but also helpful for improving returns of lenders.

关键词： online peer-to-peer lending gender discrimination logistic regression

作者: Chen Dongyu Lou Hao Hong Xu

作者单位: School of Management, Fuzhou University, China College of Business, Ohio University, USA

会议类型: 国际会议

会议名称: The Twelfth Wuhan International Conference on E-Business(第十二届武汉电子商务国际会议)

会议地点: 武汉

会议语种:英文

页码: 21-24

在线出版日期: 2013-05-25（万方平台首次上网日期，不代表论文的发表时间）