贷款人员的性别与贷款业绩：一份预先登记的报告

IF 5.3 2区经济学 Q1 BUSINESS, FINANCE

Pacific-Basin Finance Journal Pub Date : 2025-07-04 DOI:10.1016/j.pacfin.2025.102862

Mingwei Chen , Kangyi Xu , Di Gong , Hongyu Guo

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引用次数: 0

摘要

这项预先登记的研究试图探讨女性信贷员是否在无担保贷款市场中保持其在信贷质量方面的优势，正如在有担保贷款市场中观察到的那样。该研究解决了三个关键的研究问题：(1)与男性同事相比，女性信贷员在无抵押贷款中表现出更高或更低的贷款绩效；(2)造成该市场男女信贷员业绩差距的潜在因素；(3)数字借贷模式如何影响女性官员承保的贷款的信用质量。本研究为女性信贷员在有担保和无担保贷款市场的表现差异提供了实证证据。这些发现为商业银行寻求优化信贷员的信用评估效率并为其数字化转型战略提供了有价值的见解。

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Gender of loan officers and loan performance: A pre-registered report

This pre-registered study tries to explore whether female loan officers maintain their advantage in credit quality in unsecured lending markets, as observed in secured lending markets. The study addresses three key research questions: (1) Whether female loan officers exhibit higher or lower loan performance compared to their male colleagues in unsecured lending; (2) The underlying factors driving the performance gap between male and female loan officers in this market; and (3) How digital lending models influence the credit quality of loans underwritten by female officers. This research provides empirical evidence on the performance differentials of female loan officers across secured and unsecured lending markets. The findings offer valuable insights for commercial banks seeking to optimize the credit assessment efficiency of loan officers and inform their digital transformation strategies.

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来源期刊

Pacific-Basin Finance Journal BUSINESS, FINANCE-

CiteScore

6.80

自引率

6.50%

发文量

157

期刊介绍： The Pacific-Basin Finance Journal is aimed at providing a specialized forum for the publication of academic research on capital markets of the Asia-Pacific countries. Primary emphasis will be placed on the highest quality empirical and theoretical research in the following areas: • Market Micro-structure; • Investment and Portfolio Management; • Theories of Market Equilibrium; • Valuation of Financial and Real Assets; • Behavior of Asset Prices in Financial Sectors; • Normative Theory of Financial Management; • Capital Markets of Development; • Market Mechanisms.