中国互联网金融中的婚姻歧视研究——来自“人人贷”的经验数据

A Study of Marital Discrimination in Internet Finance in China——Data from “Renrendai”

本文以"人人贷"借贷平台的交易数据为样本,实证检验了P2P借贷平台中的婚姻歧视现象及其合理性。为了考察婚姻和性别的交互影响,文中引入了婚姻、性别的乘积变量。研究结果表明,在控制了借款订单变量和个人变量的条件下,投资人对已婚借款人和已婚男性借款人有明显的青睐,对离异借款人有明显的歧视,对离异男性借款人无态度倾向。进一步研究发现,相比较其他借款人,已婚借款人和已婚男性借款人体现出更高的借款违约率,离异借款人体现出更低的借款违约率,说明投资人对于前者的青睐和对于后者的歧视均属于非理性行为。最后,经过两种稳健性检验,本文结论依然成立。

This paper empirically examines the existence of marital discrimination in P2P lending platform, based on the data from “ Renrendai” lending platform. In order to investigate the interaction of marriage and sex, the product of the two ’ s product varia-ble is introduced in this paper. After controlling the order variables and individual variables, the result shows that the investors prefer to lend to the married borrowers and the married men borrowers rather than the divorced borrowers. Furthermore, the study in this paper shows that the married borrowers and the married men borrowers have higher default rates, and the divorced borrow-ers have lower default rates. Then it can be concluded that the marriage - based discrimination is an irrational behavior. Finally, after two kinds of robustness tests, the conclusion of the paper is still valid.