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1 – 1 of 1Huacen (Brin) Xu, Heying Jenny Zhan, Claire Elizabeth-Ellen James, Lauren Denise Fannin and Yue Yin
This paper aims to examine gender differences in credit access and credit default.
Abstract
Purpose
This paper aims to examine gender differences in credit access and credit default.
Design/methodology/approach
Using panel data drawn from 917 valid credit borrowers covering the period 2012 to 2015 drawn from among 6,849 study subjects and a national household financial survey (n = 29,500) conducted in China, this study focuses on gender differences in small and micro entrepreneurs’ financial behavior, specifically with respect to credit access and credit default.
Findings
The study revealed the following: Women expressed having more barriers to obtaining a business loan than men; gender had a significant effect on women’ credit default; and women were less likely to default a loan than male loan borrowers did. An exploration of the reasons for credit access and default found that female loan applicants were more likely to display a lack of knowledge and confidence in loan application.
Originality/value
The study contributes to literature by using the Marxian concept of reification in explaining women and their financial behaviors in China.
Details