Banking on cooperation: an evolutionary analysis of microfinance loan repayment behaviour.
Banking on cooperation: an evolutionary analysis of microfinance loan repayment behaviour.
复制标题
银行合作：小额金融贷款偿还行为的演变分析。
DOI：
10.1017/ehs.2020.64
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发表时间：
2021
影响因子：
2.6
通讯作者：
Lamba, Shakti
中科院分区：
文献类型：
--
作者：
Gehrig, Stefan;Mesoudi, Alex;Lamba, Shakti
关键词：
小额信贷是一种经济发展工具，向低收入借款人提供贷款，以刺激经济增长，减少财政困难。贷款人通常要求承担连带责任，即多个借款人共同承担偿还集团贷款的责任。我们认为，这种借贷做法在许多领域造成了类似于人类和自然界其他生物所面临的合作困境。这可能会为生物科学的合作进化理论提供一个现实世界的测试案例。反过来，这些理论可能会为贷款偿还行为提供新的见解。我们首先假设合作的进化文献中的分类机制如何影响群体贷款偿还效率，即共同祖先(亲属选择)、先前互动(互惠)、伴侣选择、标签的相似性、社会学习以及生态和人口统计学。然后，我们通过回顾来自32个国家的41项关于小额借款人偿还贷款的研究来评估选定的假设，评估借款人的哪些特征与信贷偿还行为有关。令人惊讶的是，我们发现亲属关系与还款效能大多是负相关的，但先前的互动和伴侣选择都是更正相关的。我们的工作突出了进化理论的范围，以系统地洞察人类如何对新的经济制度和干预做出反应。
Microfinance is an economic development tool that provides loans to low-income borrowers to stimulate economic growth and reduce financial hardship. Lenders typically require joint liability, where multiple borrowers share the responsibility of repaying a group loan. We propose that this lending practice creates a cooperation dilemma similar to that faced by humans and other organisms in nature across many domains. This could offer a real-world test case for evolutionary theories of cooperation from the biological sciences. In turn, such theories could provide new insights into loan repayment behaviour. We first hypothesise how group loan repayment efficacy should be affected by mechanisms of assortment from the evolutionary literature on cooperation, i.e. common ancestry (kin selection), prior interaction (reciprocity), partner choice, similarity of tags, social learning, and ecology and demography. We then assess selected hypotheses by reviewing 41 studies from 32 countries on micro-borrowers’ loan repayment, evaluating which characteristics of borrowers are associated with credit repayment behaviour. Surprisingly, we find that kinship is mostly negatively associated with repayment efficacy, but prior interaction and partner choice are both more positively associated. Our work highlights the scope of evolutionary theory to provide systematic insight into how humans respond to novel economic institutions and interventions.
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影响因子：
6.2
作者：
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通讯作者：
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影响因子：
56.9
作者：
AXELROD, R;HAMILTON, WD
通讯作者：
HAMILTON, WD
DOI：
10.1073/pnas.0902528106
发表时间：
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影响因子：
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通讯作者：
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通讯作者：
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