Gender differences in self-risk evaluation: evidence from the Renrendai online lending platform

Risk-related gender differences such as risk perception and risk aversion are widely discussed, whereas gender differences in self-risk evaluations are unknown. Using a sample of more than 310,000 individual loan applications from the Renrendai online lending platform, this study uses a hedonic model to examine gender differences in self-risk evaluations. We find that males are more likely than females to offer lower interest rate premiums when...