Abstract Despite significant efforts of the Vietnamese government, the issue of gender discrimination in access to credit is still a major concern. This paper uses the zero-inflated negative binomial regression model for count panel data of small and medium enterprises in Vietnam to examine the issue across industries and firm sizes over time. Results indicate that women-led enterprises have a 34% higher likelihood of loans being denied than men-led firms. The situation is even more serious depending on industry and macropolicy. For example, the gap in the likelihood of loans being denied between women-led enterprises and their men-led counterparts increases to 67% in male-intensive industries and 71% in periods of tight monetary policy. In addition, firm size and location determine the probability of formal loan rejection.

中文翻译：

---

获得信贷方面的性别歧视：女性主导的中小企业是否比男性主导的被拒绝更多？

摘要 尽管越南政府做出了重大努力，但在获得信贷方面的性别歧视问题仍然是一个主要问题。本文使用零膨胀负二项式回归模型对越南中小企业的面板数据进行计数，以检验跨行业和跨企业规模的问题。结果表明，女性领导的企业被拒绝贷款的可能性比男性领导的企业高 34%。取决于行业和宏观政策，情况会更加严重。例如，女性主导的企业与其男性主导的同行之间的贷款被拒绝可能性的差距在男性密集型行业增加到 67%，在紧缩货币政策期间增加到 71%。此外，公司规模和位置决定了正式拒绝贷款的可能性。