Female small business owners in China: Discouraged, not discriminated
Female small business owners in China: Discouraged, not discriminated
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DOI：
10.1016/j.intfin.2022.101649
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发表时间：
2022-09-10
影响因子：
4
通讯作者：
Xiong, Lin
中科院分区：
文献类型：
--
作者：
Caglayan, Mustafa;Talavera, Oleksandr;Xiong, Lin
我们使用了一个来自中国P2P数字贷款平台的独特的小企业贷款申请数据集，结果表明，与男性企业家相比，女性企业家在尝试失败后更有可能放弃申请资金。在不同的区域发展水平上，妇女受挫的现象仍然存在，在需要筹措流动资金的妇女中尤为突出。尽管金融市场的数字化使小企业主更容易获得外部资金，但在申请过程中披露更多信息将有助于那些不愿发布新的资金申请的人。
Using a unique small business loan application dataset from a peer-to-peer (P2P) digital loan platform in China, we show that female entrepreneurs are more likely to be discouraged from applying for funds after a failed attempt compared to their male counterparts. Female discour-agement persists at different regional development levels and is prominent among those who need finance for working capital. Although digitization of financial markets has made external funding more accessible to small business owners, disclosing more information during the application process would help those discouraged from posting a new funding application.