ABSTRACT

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.

摘要

广泛讨论了与风险相关的性别差异，例如风险感知和风险规避，而自我风险评估中的性别差异未知。本研究使用来自人人贷在线借贷平台的310,000多笔个人贷款申请的样本，使用享乐主义模型检查自我风险评估中的性别差异。我们发现，当男性具有良好的属性（例如更大的贷款，更高的信用等级，已婚状态和收入水平）时，男性比女性更有可能提供较低的利率溢价，而当女性具有不利条件时，女性倾向于提供较低的利率溢价。属性，例如长期贷款。我们得出结论，在经济，生物学和心理研究的支持下，男性在评估自己的风险时寻求好处，而女性则避免了不利因素。