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    The Gender Gap in Peer-to-Peer Lending: Evidence from the People's Republic of China

    Chen, Xiao; Huang, Bihong; Ye, Dezhu | July 2019
    Abstract
    This paper documents and analyzes the gender gap in the online credit market. Using data from Renrendai, a leading peer-to-peer lending platform in the People’s Republic of China (PRC), we show that lending to female borrowers is associated with better loan performance, including a lower probability of default, a higher expected profit, and a lower expected loss than for their male peers. However, despite the higher creditworthiness, we don’t find any measurable gender impact on funding success rate, meaning that female borrowers have to compensate lenders by providing higher profitability to achieve a similar funding probability to their male peers. This evidence indicates the existence of a gender gap that discriminates against female borrowers. Further analysis implies that this gender gap is independent of the amount of information disclosed by borrowers.
    Citation
    Chen, Xiao; Huang, Bihong; Ye, Dezhu. 2019. The Gender Gap in Peer-to-Peer Lending: Evidence from the People's Republic of China. © Asian Development Bank Institute. http://hdl.handle.net/11540/10928.
    Keywords
    Gender
    Gender Bias
    Gender Differences
    Gender Discrimination
    Gender Equality
    Gender Gaps
    Gender Inequality
    Gender Issues
    Gender Relations
    Gender Roles
    Urban Development Finance
    Trade Finance
    Small Business Finance
    Rural Finance
    Roundtable on International Trade and Finance
    Regional Development Finance
    Public Service Finance
    Public Finance
    Project Finance
    Private Finance
    Nonbank Financing
    Non-Bank Financial Institutions
    Municipal Finance
    Local Government Finance
    Local Currency Financing
    Limited Resource Financing
    International Financial Institutions
    Infrastructure Financing
    Industrial Finance
    Government Financial Institutions
    Government Finance
    Financing of Infrastructure
    Financial Sector Development
    Financial Regulation
    Investment bank
    Investment policy
    Comparative Analysis
    Social Research
    Sex Discrimination
    Employment Discrimination
    Women's Rights
    Equal Opportunity
    Equal Pay
    Feminism
    Men's Role
    Women's Role
    Finance
    Financing
    Financial System
    Financial Sector Reform
    Financial Institution
    Bank Financing
    Bank investment
    Capital investment
    Investment banking
    Venture capital
    Gender-based analysis
    Sex differences
    Job bias
    Equal employment opportunity
    Fair employment practice
    Job discrimination
    Affirmative action programs
    Sex discrimination against women
    Pay equity
    Sexism
    Equal rights amendment
    Emancipation of women
    Equal rights
    Women's movements
    Investment Requirements
    Banks
    Development Banks
    Project Impact
    Financial Aspects
    Women in sustainable development
    Developing countries
    Gender mainstreaming
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    Citable URI
    http://hdl.handle.net/11540/10928
    Metadata
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    Author
    Chen, Xiao
    Huang, Bihong
    Ye, Dezhu
    Theme
    Gender
    Finance
     
    Copyright 2016-2021 Asian Development Bank Institute, except as explicitly marked otherwise
    Copyright 2016-2021 Asian Development Bank Institute, except as explicitly marked otherwise