| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w14202 |
| 来源ID | Working Paper 14202 |
| Do Women Pay More for Credit? Evidence from Italy | |
| Alberto F. Alesina; Francesca Lotti; Paolo Emilio Mistrulli | |
| 发表日期 | 2008-07-29 |
| 出版年 | 2008 |
| 语种 | 英语 |
| 摘要 | The answer is yes. By using a unique and large data set on overdraft contracts between banks and microfirms and self-employed individuals, we find robust evidence that women in Italy pay more for overdraft facilities than men. We could not find any evidence that women are riskier then men. The male/female differential remains even after controlling for a large number of characteristics of the type of business, the borrower and the market structure of the credit market. The result is not driven by women using a different type of bank than men, since the same bank charges different rates to male and female borrowers. Social capital does play a role: high levels of trust loosen credit conditions by lowering interest rates, but this benefit is not evenly distributed, as women benefit from increased social capital less than men. |
| 主题 | Financial Economics ; Financial Institutions ; Labor Economics ; Demography and Aging ; Labor Discrimination |
| URL | https://www.nber.org/papers/w14202 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/571876 |
| 推荐引用方式 GB/T 7714 | Alberto F. Alesina,Francesca Lotti,Paolo Emilio Mistrulli. Do Women Pay More for Credit? Evidence from Italy. 2008. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w14202.pdf（166KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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