P2P网络借贷平台中存在性别差异研究——来自“人人贷”的经验数据

A Discussion on Whether Gender Discrimination Exists in P2P Network Lending Platform——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借贷平台中是否存在性别歧视的现象。研究结果表明,在控制了订单变量和个人变量的条件下,不同性别借款人的订单成功率仍有显著差异。相比较女性借款人,男性借款人并没有更高的订单违约率,说明投资人对于男性的歧视行为为非理性歧视。本文使用两种方法进行稳健性检验,得到结果具有稳健性的结论。

This paper empirically examines the existence of gender discrimination in P2P lending platform based on the data from Renrendai loan platform.The result shows that after controlling the order variables and individual variables,the rate of funding success is significantly different among different genders.Compared with the male borrowers,the investors prefer to lend to the female borrowers,which indicates that there is gender discrimination in the internet financial.Furthermore,the study in this paper shows that the male borrowers have lower default rates,and it concludes that the gender-based discrimination is an irrational behavior.Finally,under two kinds of robustness tests,this paper concludes that the results have robustness.