文章基本信息

标题：Gender differences in self-risk evaluation: evidence from the Renrendai online lending platform
本地全文：下载
作者：Xun Li ; Yuxin Deng ; Shanlin Li 等
期刊名称：Journal of Applied Economics
印刷版ISSN：1514-0326
电子版ISSN：1667-6726
出版年度：2020
卷号：23
期号：1
页码：485-496
DOI：10.1080/15140326.2020.1797338
摘要：Risk-related gender differences such as risk perception and risk aversion are widely discussed, whereas gender differences in self-risk evaluations are unknown. Using a sample of more than 310,000 individual loan applications from the Renrendai online lending platform, this study uses a hedonic model to examine gender differences in self-risk evaluations. We find that males are more likely than females to offer lower interest rate premiums when they have favorable attributes, such as larger loans, higher credit ratings, married status, and income level, and females tend to offer lower interest rate premiums when they have unfavorable attributes, such as longer-term loans. We conclude that males seek benefits and females avoid disadvantages when evaluating their own risk, which is supported by economic, biological and psychological research. Our findings fill this gap on gender differences in risk-related behaviors.
关键词：Self-risk evaluation ; P2P ; gender difference