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随着社会经济的发展,女性在经济发展中的地位和作用逐渐提高,信贷发放过程中的性别歧视问题逐渐引起关注。本文利用中国具有代表性的网贷平台“人人贷”2012年3月~2014年12月期间的170817笔订单作为研究对象,对中国互联网借贷中性别歧视的存在性及合理性进行了分析。实证检验结果发现,在控制了其他因素的条件下:(1)性别的风险倾向存在显著的异质性,女性的借款违约率相比男性低38%;(2)性别差异与借款可获得性之间不存在显著的影响,说明女性借款人在中国互联网借贷市场中受到了非理性的偏好歧视;(3)单身女性的借款成功率显著低于男性,受到的歧视更为严重。经过稳健性检验之后上述结论依然能够成立。
With the development of society and economy, the status and role of women in economic development have gradually increased. The issue of gender discrimination in the process of credit distribution has drawn increasing attention. This article uses the 170817 orders from China’s representative online loan platform “LGFV ” from March 2012 to December 2014 as the research object, and makes an analysis of the existence and rationality of gender discrimination in China’s Internet borrowing analysis. Empirical test results showed that under the control of other factors: (1) there was significant heterogeneity in the gender risk predisposition, and the default rate of female loans was 38% lower than that of men; (2) the gender difference and the availability of borrowing There is no significant influence between them, indicating that female borrowers have been irrationally biased in China’s internet loan market. (3) The success rate of single women borrowing is significantly lower than that of men and the discrimination is even more serious. After the robustness of the above conclusion can still be established.