講座：Experiments in credit and asset markets
題 目：Experiments in credit and asset markets
嘉 賓：包鄭揚 助理教授 廈門大學經濟學院
主持人：李淑雯 助理教授 上海交通大學安泰經濟與管理學院
地 點：上海交通大學 徐匯校區安泰樓A503室
We followed 58,345 borrowers from a peer-to-peer lending platform to study how women and men react to enforcement mechanisms differently. In the experiment, borrowers were randomized into treatments where they received different text messages urging for timely repayment if they had loans due the next day. Compared to a reminder message, the messages inducing social pressures and financial incentives reduced the overdue rate for both genders. However, women were more responsive to messages producing social pressures, while men were more responsive to financial incentives. The results imply the potential importance of a gender-dependent mechanism to enhance compliance.
Dr. Bao is an assistant professor at Xiamen University. He is interested in behavioral and experimental finance and economics. Dr. Bao uses lab and field experiments to study the effect of practices and policies in financial markets. Before joining Xiamen University, Dr. Bao received a Ph.D. in Economics from Monash University.