期刊名称：HIER Discussion Paper Series / Harvard Institute of Economic Research
出版年度：2008
卷号：2008
出版社：Harvard Institute of Economic Research
摘要：The answer is yes. By using a unique and large data seton 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 than 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 evenely distributed, as women benefit from increased socail capital less than men.
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