年龄歧视存在于网络借贷中吗?——基于P2P平台的实证分析

Does age discrimination exist in internet lending? based on a peer-to-peer platform

借助人人贷网络借贷平台的交易数据,对互联网金融中的年龄歧视问题进行了实证分析。研究结果表明,在我国P2P网络借贷平台中存在明显的年龄歧视。第一,投资人更愿意借款给50岁以上的借款人,而不愿意借款给30岁及以下的借款人。第二,在低信用等级、女性、未婚组中,投资人对30岁及以下借款人有明显歧视,但对于50岁以上的借款人没有明显的青睐。在高信用等级、男性、已婚组中,投资人对30岁及以下借款人有明显歧视,同时对50岁以上借款人有明显偏爱。不同学历背景下,投资人对于30岁及以下借款人的歧视和50岁以上借款人的青睐始终存在。第三,通过违约率的分析发现,30岁及以下的借款人违约率明显较低、50岁以上的借款人未有更高的按时还款率,因此投资人对于30岁及以下借款人的歧视以及50岁以上借款人的偏爱均属于非理性行为。

Based on the data from a peer-to-peer online lending platform this paper empirically examines whether the age discrimination exists in the internet finance. The result shows that there is a significant age discrimination in Chinese internet finance. First,the investors prefer lending to borrowers over 50 years of age to lending to borrowers under 30 years of age. Second,in the groups of the low credit,the female and the unmarried,the investors have discrimination to the ones under 30-yearold,but have no obvious preference to the ones over 50-year-old. In the groups of the high credit,the male and the married,the investors have discrimination to the ones under 30-year-old,and have obvious preference to the ones over 50-year-old. Furthermore,the finding in this paper shows that the borrowers under 30-year-old have lower default rates,nevertheless,the borrowers over 50-year-old don＇t have higher repayment rates. Thus,we draw the conclusion that both the discrimination to the ones under 30-year-old and the preference to the ones over 50-year-old are irrational behaviors.