Racial discrimination in the consumer credit market.

机译：消费信贷市场上的种族歧视。

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This paper tries to ascertain whether there is racial discrimination in the consumer credit market, and if there is, what are the possible reasons behind it. The theoretical model shows different outcomes for statistical and taste discrimination. We derived a testable hypothesis from the model, and made some empirical analyses. We used the Survey of Consumer Finances 1998 to 2007 data sets, and found that households with black and Hispanic respondents are discriminated against in the consumer credit market. The results show that the discrimination in the consumer credit market against black and Hispanic households is statistical discrimination: lenders choose to discriminate against black and Hispanic because they on average have higher default risk.

机译：本文试图确定消费信贷市场上是否存在种族歧视，如果存在，其背后的可能原因是什么。理论模型显示出统计学和口味歧视的不同结果。我们从模型中得出了可检验的假设，并进行了一些实证分析。我们使用了1998年至2007年的消费者金融调查数据集，发现在黑人和西班牙裔受访者中的家庭在消费者信贷市场中受到歧视。结果表明，消费信贷市场上对黑人和西班牙裔家庭的歧视是统计上的歧视：贷方选择对黑人和西班牙裔家庭进行歧视，因为它们平均具有较高的违约风险。

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作者
Lin, Chi-Jack.;
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作者单位

The Ohio State University.;

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授予单位 The Ohio State University.;
学科 African American Studies.;Hispanic American Studies.;Sociology Ethnic and Racial Studies.;Economics Finance.;Black Studies.
学位 Ph.D.
年度 2010
页码 82 p.
总页数 82
原文格式 PDF
正文语种 eng
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Racial discrimination in the consumer credit market.

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