Gender in banking and mortgage behavior

Kód výsledku v IS VaVaI

RIV/67985998:_____/16:00459649 - isvavai.cz

Výsledek na webu

http://www.cerge-ei.cz/pdf/wp/Wp564.pdf

DOI - Digital Object Identifier

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Jazyk výsledku

angličtina

Název v původním jazyce

Gender in banking and mortgage behavior

Popis výsledku v původním jazyce

Compared to men, women, even Önancial professionals, exhibit higher risk aversion. We exploit random assignment of clients to banking advisors (ëprivate bankersí) in a large Czech bank to study the e§ects of advisor gender on the probability of mortgage issuance and on the probability that a newly issued mortgage is insured, which we interpret as corresponding to risk averse mortgage behavior. Male advisors do not substantially a§ect the chances that their clients will take a new mortgage, but the mortgages that they issue are dramatically less likely to be insured, particularly so for female clients who never had an insured loan with the bank.

Název v anglickém jazyce

Gender in banking and mortgage behavior

Popis výsledku anglicky

Compared to men, women, even Önancial professionals, exhibit higher risk aversion. We exploit random assignment of clients to banking advisors (ëprivate bankersí) in a large Czech bank to study the e§ects of advisor gender on the probability of mortgage issuance and on the probability that a newly issued mortgage is insured, which we interpret as corresponding to risk averse mortgage behavior. Male advisors do not substantially a§ect the chances that their clients will take a new mortgage, but the mortgages that they issue are dramatically less likely to be insured, particularly so for female clients who never had an insured loan with the bank.

Druh

O - Ostatní výsledky

CEP obor

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OECD FORD obor

50202 - Applied Economics, Econometrics

Projekt

GBP402/12/G130: Vztahy mezi dovednostmi, vzděláváním a výsledky na trhu práce: longitudinální studie

Návaznosti

P - Projekt vyzkumu a vyvoje financovany z verejnych zdroju (s odkazem do CEP)

Rok uplatnění

2016

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů