信贷官员的性别差异对银行贷款决策影响的前沿探析
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外国经济与管理 2014 年 第 36 卷第 10 期, 页码：54 - 60
摘要
参考文献
摘要
在银行信贷实践中,贷款决策在很大程度上依赖于信贷官员在收集、分析借款人各方面信息上的专业能力和努力程度。近年来的一些研究表明,信贷官员的性别、性格等个人特征会影响其对借款人风险的评价,并最终影响银行的贷款决策。本文围绕信贷官员性别差异如何影响信贷决策这一问题,具体介绍了国外一些相关文献及其研究成果,并在简要评述的基础上,结合我国背景,探讨这一领域未来的研究方向。
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[3]Barasinska N.The role of gender in lending business:evidence from an online market for peer-to-peer lending[R].DIW Berlin working paper,2009.
[4]Barber B and Odean T.Boys will be boys:Gender,overconfidence,and common stock investment[J].The Quarterly Journal of Economics,2001,116:262-292.
[5]Bellucci A,Borisov A and Zazzaro A.Does gender matter in bank-firm relationships?Evidence from small business lending[J].Journal of Banking&Finance,2010,34:2968-2984.
[6]Beck T,Behr P and Guettler A.Gender and banking:are women better loan officers?[R].working paper,2009.
[7]Bernasek A and Shwiff S.Gender,risk,and retirement[J].Journal of Economic Issues,2001,35:345-356.
[8]Black H,Boehm T and DeGennaro R.Overages,mortgage pricing,and race[R].working paper,2000.
[9]Buttner E and Rosen B.Bank loan officers’perceptions of the characteristics of men,women and successful entrepreneurs[J].Journal of Business Venturing,1988,3:249-258.
[10]Carter S,et al.Gender,entrepreneurship,and bank lending:the criteria and processes used by bank loan officers in assessing applications[J].Entrepreneurship Theory&Practice,2007,31:427-444.
[11]Chung J and Monroe G.Gender differences in information processing:an empirical test of the hypothesis-confirming strategy in an audit context[J].Accounting&Finance,1998,38.
[12]Darley W and Smith R.Gender differences in information processing strategies:an empirical test of the selectivity model in advertising response[J].Journal of Advertising,1995,24:41-56.
[13]Gupta V,et al.The role of gender stereotypes in perceptions of entrepreneurs and intentions to became an entrepreneur[J].Entrepreneurship Theory&Practice,2009,33:397-417.
[14]Jianakopolos N and Bernasek A.Are women more risk averse?Attitudes toward financial risk[J].Economic Inquiry,1998,36:620-631.
[15]Kray L,Thompson L and Galinsky A.Battle of the sexes:gender stereotype confirmation and reactance in negotiations[J].Journal of Personality and Social Psychology,2001,80:942-958.
[16]Lundberg M,Fox P and Puncochar J.Highly confident but wrong:gender differences and similarities in confidence judgments[J].Journal of Educational Psychology,1994,86:114-121.
[17]Powell M and Ansic D.Gender differences in risk behavior in financial decision-making:an experimental analysis[J].Journal of economic psychology,1997,18:605-628.
[18]Ravina E.Love and loans:The effect of beauty and personal characteristics in credit markets[R].New York University working paper,2008.
[19]Schneider A and Church B.The effect of auditors’internal control opinions on loan decisions[J].Journal of Accounting and Public Policy,2008,27:1-18.
[20]Stuhlmacher A and Walters A.Gender differences in negotiation outcome:a meta-analysis[J].Personnel Psychology,1999,52:653-677.
[21]Wilson F,et al.Bank loan officers’perceptions of business owners:The role of gender[J].British Journal of Management,2007,18:154-171.
引用本文
邓文慧, 何韧. 信贷官员的性别差异对银行贷款决策影响的前沿探析[J]. 外国经济与管理, 2014, 36(10): 54–60.
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