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Gender of loan officers and loan performance: A pre-registered report

Author

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  • Chen, Mingwei
  • Xu, Kangyi
  • Gong, Di
  • Guo, Hongyu

Abstract

This pre-registered study tries to explore whether female loan officers maintain their advantage in credit quality in unsecured lending markets, as observed in secured lending markets. The study addresses three key research questions: (1) Whether female loan officers exhibit higher or lower loan performance compared to their male colleagues in unsecured lending; (2) The underlying factors driving the performance gap between male and female loan officers in this market; and (3) How digital lending models influence the credit quality of loans underwritten by female officers. This research provides empirical evidence on the performance differentials of female loan officers across secured and unsecured lending markets. The findings offer valuable insights for commercial banks seeking to optimize the credit assessment efficiency of loan officers and inform their digital transformation strategies.

Suggested Citation

  • Chen, Mingwei & Xu, Kangyi & Gong, Di & Guo, Hongyu, 2025. "Gender of loan officers and loan performance: A pre-registered report," Pacific-Basin Finance Journal, Elsevier, vol. 93(C).
    • Handle: RePEc:eee:pacfin:v:93:y:2025:i:c:s0927538x25001994
    DOI: 10.1016/j.pacfin.2025.102862
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

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