EconPapers    
Economics at your fingertips  
 

Gender and Credit Risk: A View From the Loan Officer’s Desk

José García-Montalvo and Marta Reynal-Querol

No 1076, Working Papers from Barcelona School of Economics

Abstract: We analyze the effect of loan officers' gender on the approval of applications and their subsequent performance. Using detailed bank information on a sample of close to half a million loans, we show that the risk profile of applicants screened by male and female loan officers is very similar. However, female loan officers have around a 15% lower delinquency rate than that of male officers. We find evidence that this effect is due to women's higher compliance with centralized negative recommendations. Gender bias in terms of a mistake-punishment trade-off could explain, at least partly, this level of compliance.

Keywords: credit risk; gender; delinquency; Rule Compliance (search for similar items in EconPapers)
JEL-codes: G21 J16 (search for similar items in EconPapers)
Date: 2019-03
New Economics Papers: this item is included in nep-gen and nep-mfd
References: View references in EconPapers View complete reference list from CitEc
Citations: Track citations by RSS feed

Downloads: (external link)
https://www.barcelonagse.eu/sites/default/files/working_paper_pdfs/1076.pdf (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:bge:wpaper:1076

Access Statistics for this paper

More papers in Working Papers from Barcelona School of Economics Contact information at EDIRC.
Bibliographic data for series maintained by Bruno Guallar ().

 
Page updated 2024-02-23
Handle: RePEc:bge:wpaper:1076