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  1. The gender gap in peer-to-peer lending
    evidence from the People's Republic of China
    Autor*in: Chen, Xiao; Huang, Bihong; Ye, Dezhu
    Erschienen: [2019]
    Verlag:  Asian Development Bank Institute, Tokyo, Japan

    This paper documents and analyzes the gender gap in the online credit market. Using data from Renrendai, a leading peer-to-peer lending platform in the People's Republic of China (PRC), we show that lending to female borrowers is associated with... mehr

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    This paper documents and analyzes the gender gap in the online credit market. Using data from Renrendai, a leading peer-to-peer lending platform in the People's Republic of China (PRC), we show that lending to female borrowers is associated with better loan performance, including a lower probability of default, a higher expected profit, and a lower expected loss than for their male peers. However, despite the higher creditworthiness, we don't find any measurable gender impact on funding success rate, meaning that female borrowers have to compensate lenders by providing higher profitability to achieve a similar funding probability to their male peers. This evidence indicates the existence of a gender gap that discriminates against female borrowers. Further analysis implies that this gender gap is independent of the amount of information disclosed by borrowers.

     
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    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/222744
    Schriftenreihe: ADBI working paper series ; no. 977 (July 2019)
    Umfang: 1 Online-Ressource (circa 35 Seiten)
  2. Networking with peers
    evidence from a P2P lending platform
    Autor*in: Chen, Xiao; Chong, Zhaohui; Giudici, Paolo; Huang, Bihong
    Erschienen: [2020]
    Verlag:  Asian Development Bank Institute, Tokyo, Japan

    The paper investigates the role of network centrality in predicting borrowers' and lenders' behavior in peer-to-peer (P2P) lending. The empirical analysis of data from Renrendai, a leading lending platform in the People's Republic of China, reveals... mehr

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    The paper investigates the role of network centrality in predicting borrowers' and lenders' behavior in peer-to-peer (P2P) lending. The empirical analysis of data from Renrendai, a leading lending platform in the People's Republic of China, reveals that the lenders who are at the center of a network not only invest larger amounts but also invest more swiftly than their peers, reflecting the information advantage arising from their position in the network. Furthermore, the borrowers who are at the center of a network are able to borrow at lower interest rates and with higher success rates. At the same time, they are less likely to default. These findings imply that, in the P2P lending market, network linkages not only enhance market efficiency but also encourage reputation protection.

     
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    Weitere Identifier:
    hdl: 10419/238437
    Schriftenreihe: ADBI working paper series ; no. 1080 (February 2020)
    Umfang: 1 Online-Ressource (circa 50 Seiten), Illustrationen
  3. Naïve or sophisticated?
    information disclosure and investment decisions in peer-to-peer lending
    Autor*in: Chen, Xiao; Huang, Bihong; Shaban, Mohamed
    Erschienen: [2020]
    Verlag:  Asian Development Bank Institute, Tokyo, Japan

    Despite the explosive growth of peer-to-peer lending in the People's Republic of China (PRC), information asymmetry remains a critical issue and is likely to be amplified in such an evolving credit market compared to a traditional credit market. This... mehr

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    Despite the explosive growth of peer-to-peer lending in the People's Republic of China (PRC), information asymmetry remains a critical issue and is likely to be amplified in such an evolving credit market compared to a traditional credit market. This paper studies how investors screen the nonstandard, voluntary, and often unverifiable information disclosed by borrowers in making their investment decisions. Using data from the Renrendai P2P platform, one of the leading lending platforms in the PRC, we find that an additional item of disclosure increases the funding probability by 23.6%. The impact is even more remarkable for borrowers with a lower credit rating. However, investment in loan listings with more disclosures turns out to be riskier. An additional item of disclosure is accompanied by an incremental default probability of 11.7%. The puzzle that lenders remain attracted by such loan listings is explained by the higher profitability offered by the borrowers. Further investigation shows that investors can infer the real risk of borrowers marked by the disclosure.

     
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    hdl: 10419/238426
    Schriftenreihe: ADBI working paper series ; no. 1069 (January 2020)
    Umfang: 1 Online-Ressource (circa 48 Seiten), Illustrationen
  4. Exporting out of China or out of Africa?
    automation versus relocation in the global clothing industry
    Autor*in: Altenburg, Tilman; Chen, Xiao; Lütkenhorst, Wilfried; Staritz, Cornelia; Whitfield, Lindsay
    Erschienen: 2020
    Verlag:  Deutsches Institut für Entwicklungspolitik gGmbH, Bonn

    The Discussion Paper examines the opportunities that the rising industrial wages in China will bring for Africa. China has been the industrial workbench of the global economy for decades. However, its competitive advantages are waning, particularly... mehr

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    The Discussion Paper examines the opportunities that the rising industrial wages in China will bring for Africa. China has been the industrial workbench of the global economy for decades. However, its competitive advantages are waning, particularly for labour-intensive assembly activities in the clothing, shoe, electronics and toy industries. The Chinese government estimates that up to 81 million low-cost industrial jobs are at risk of relocation to other countries - unless China can keep the companies in the country through automation. Against this background, three complementary studies were carried out. The first examines where the automation technology for clothing and footwear production stands today; the second, how clothing companies in China deal with the cost pressure: to what extent they automate, relocate within China or abroad and how great is the interest in Africa as a production location. The third part is devoted to Africa’s competitiveness in clothing assemly, with empirical findings from Ethiopia and Madagascar. The Discussion Paper shows that the manufacture of clothing can already be robotized today, but that for sewing, robotization will probably remain more expensive than manual labor in the next 15-20 years. China’s companies are investing heavily in the automation of all other production processes and at the same time shifting production to neighbouring Asian countries. In Africa, only Ethiopia is currently competitive in the manufacture of clothing, and here too there are significant institutional difficulties in absorbing large amounts of direct investment.

     
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    Quelle: Staatsbibliothek zu Berlin
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    Weitere Identifier:
    hdl: 10419/213279
    Schriftenreihe: Discussion paper / German Development Institute ; 2020, 1
    Schlagworte: Bekleidungsindustrie; Lohn; Automatisierung; Internationaler Wettbewerb; China; Afrika; Äthiopien; Madagaskar; Entwicklungszusammenarbeit; Internationale Kooperation; Wirtschaftskooperation; Regionale Kooperation; Bekleidungsindustrie; Standortfaktor <Wirtschaft>; Produktionskosten
    Umfang: 1 Online-Ressource (circa 97 Seiten), Illustrationen
  5. Exporting out of China or out of Africa?
    automation versus relocation in the global clothing industry
    Autor*in: Altenburg, Tilman; Chen, Xiao; Lütkenhorst, Wilfried; Staritz, Cornelia; Whitfield, Lindsay
    Erschienen: 2020
    Verlag:  Deutsches Institut für Entwicklungspolitik gGmbH, Bonn

    The Discussion Paper examines the opportunities that the rising industrial wages in China will bring for Africa. China has been the industrial workbench of the global economy for decades. However, its competitive advantages are waning, particularly... mehr

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    The Discussion Paper examines the opportunities that the rising industrial wages in China will bring for Africa. China has been the industrial workbench of the global economy for decades. However, its competitive advantages are waning, particularly for labour-intensive assembly activities in the clothing, shoe, electronics and toy industries. The Chinese government estimates that up to 81 million low-cost industrial jobs are at risk of relocation to other countries - unless China can keep the companies in the country through automation. Against this background, three complementary studies were carried out. The first examines where the automation technology for clothing and footwear production stands today; the second, how clothing companies in China deal with the cost pressure: to what extent they automate, relocate within China or abroad and how great is the interest in Africa as a production location. The third part is devoted to Africa’s competitiveness in clothing assemly, with empirical findings from Ethiopia and Madagascar. The Discussion Paper shows that the manufacture of clothing can already be robotized today, but that for sewing, robotization will probably remain more expensive than manual labor in the next 15-20 years. China’s companies are investing heavily in the automation of all other production processes and at the same time shifting production to neighbouring Asian countries. In Africa, only Ethiopia is currently competitive in the manufacture of clothing, and here too there are significant institutional difficulties in absorbing large amounts of direct investment.

     
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    Quelle: Staatsbibliothek zu Berlin
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    hdl: 10419/213279
    Schriftenreihe: Discussion paper / German Development Institute ; 2020, 1
    Schlagworte: Bekleidungsindustrie; Lohn; Automatisierung; Internationaler Wettbewerb; China; Afrika; Äthiopien; Madagaskar; Entwicklungszusammenarbeit; Internationale Kooperation; Wirtschaftskooperation; Regionale Kooperation; Bekleidungsindustrie; Standortfaktor <Wirtschaft>; Produktionskosten
    Umfang: 1 Online-Ressource (circa 97 Seiten), Illustrationen
  6. Endogenous cross-region human mobility and pandemics
    Autor*in: Chen, Xiao; Huang, Hanwei; Ju, Jiandong; Sun, Ruoyan; Zhang, Jialiang
    Erschienen: [2022]
    Verlag:  Centre for Economic Performance, London School of Economics and Political Science, London

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    Schriftenreihe: Discussion paper / Centre for Economic Performance ; no. 1860 (July 2022)
    Schlagworte: SIRD model; spatial economy; endogenous mobility; basic reproduction number; Normalized Hat Algebra
    Umfang: 1 Online-Ressource (circa 41 Seiten), Illustrationen
  7. The role of punctuation in P2P lending
    evidence from China
    Autor*in: Chen, Xiao; Huang, Bihong; Ye, Dezhu
    Erschienen: 2017
    Verlag:  EGC, Nanyang Technological University, Singapore

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    Schriftenreihe: EGC report ; no: 2017, 07
    Schlagworte: P2P lending; information asymmetry; word; punctuation
    Umfang: 1 Online-Ressource (circa 29 Seiten)
  8. The role of punctuation in P2P lending
    evidence from the People’s Republic of China
    Autor*in: Chen, Xiao; Huang, Bihong; Ye, Dezhu
    Erschienen: [2017]
    Verlag:  Asian Development Bank Institute, Tokyo, Japan

    This paper investigates the role of punctuation in the peer-to-peer (P2P) lending market. Using data from Renrendai, one of the largest P2P lending platforms in the People’s Republic of China, we investigate how the amount of punctuation used in loan... mehr

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    This paper investigates the role of punctuation in the peer-to-peer (P2P) lending market. Using data from Renrendai, one of the largest P2P lending platforms in the People’s Republic of China, we investigate how the amount of punctuation used in loan descriptions influences the funding probability, borrowing rate, and default. The empirical evidence shows that the amount of punctuations is negatively associated with the funding probability and borrowing rate. We propose that the usage of punctuation affects the readability of a loan description and reflects borrowers’ self-control and cognitive ability. Within a given number of words, excessive usage of punctuation makes loan description informal and reduces the readability of the text, thereby impairing investors’ trust in borrowers. Moreover, borrowers that overuse punctuation may have lower ability of self-control, and tend to underestimate the risk of borrowing and offer lower borrowing rate due to overconfidence.

     
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    Weitere Identifier:
    hdl: 10419/190208
    Schriftenreihe: ADBI working paper series ; no. 787 (October 2017)
    Umfang: 1 Online-Ressource (circa 24 Seiten)
  9. Endogenous mobility in pandemics
    theory and evidence from the United States
    Autor*in: Chen, Xiao; Huang, Hanwei; Ju, Jiandong; Sun, Ruoyan; Zhang, Jialiang
    Erschienen: [2024]
    Verlag:  Centre for Economic Performance, London School of Economics and Political Science, London

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    Schriftenreihe: Discussion paper / Centre for Economic Performance ; no. 1981 (Februar 2024)
    Schlagworte: Mobilität; Coronavirus; Epidemie; Morbidität; Infektionsschutz; Wohlfahrtsanalyse; USA; SIRD model; spatial economy; endogenous mobility; basic reproduction number,; Normalized Hat Algebra; containment policies
    Umfang: 1 Online-Ressource (circa 64 Seiten), Illustrationen