| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP14340 |
| DP14340 Discriminatory Lending: Evidence from Bankers in the Lab | |
| J Michelle Brock; Ralph De Haas | |
| 发表日期 | 2020-04-13 |
| 出版年 | 2020 |
| 语种 | 英语 |
| 摘要 | We implement a lab-in-the-field experiment with 334 Turkish loan officers to document gender discrimination in small business lending and to unpack the mechanisms at play. Each officer reviews multiple real-life loan applications in which we randomize the applicant's gender. While unconditional approval rates are the same for male and female applicants, loan officers are 26 percent more likely to require a guarantor when we present the same application as coming from a female instead of a male entrepreneur. A causal forest algorithm to estimate heterogeneous treatment effects reveals that this discrimination is strongly concentrated among young, inexperienced, and gender-biased loan officers. Discrimination mainly affects female loan applicants in male-dominated industries, indicating how financial frictions can perpetuate entrepreneurial gender segregation across sectors. |
| 主题 | Development Economics ; Financial Economics |
| 关键词 | Gender bias Bank credit Implicit association test Lab-in-the-field Causal forest |
| URL | https://cepr.org/publications/dp14340-2 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/543516 |
| 推荐引用方式 GB/T 7714 | J Michelle Brock,Ralph De Haas. DP14340 Discriminatory Lending: Evidence from Bankers in the Lab. 2020. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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