贷款中的歧视? 来自薪水保护计划的证据
Rachel Atkins1, Lisa Cook2, Robert Seamans1
1NYU Stern School of Business, New York City, USA.
概括
黑人拥有的企业比白人拥有的企业获得的工资保护计划 (PPP) 贷款要小得多. 贷款差异随着金融科技贷款人和更多银行分支机构的竞争加剧而减少,突出显示了系统不平等的影响.
科学领域:
- 经济学 经济学 经济学
- 金融包容 金融包容 金融包容
- 在种族平等的基础上.
背景情况:
- 薪资保护计划 (PPP) 旨在在COVID-19大流行期间支持小企业.
- 历史的贷款模式和计划设计可能影响了PPP资金的公平分配.
- 以前的研究表明,商业银行的贷款中存在种族差异.
研究的目的:
- 评估种族在发放工资保护计划贷款中的作用.
- 调查影响黑人和白人企业贷款金额差异的因素.
- 检查银行竞争和金融科技参与对贷款权益的影响.
主要方法:
- 分析新发布的关于薪资保护计划贷款的数据.
- 对黑人拥有的企业与白人拥有的企业贷款规模的比较分析.
- 检查银行竞争和贷款人类型对贷款差异的影响.
主要成果:
- 黑人拥有的企业获得的PPP贷款比观察上类似的白人拥有的企业低约50%.
- 随着金融科技和非传统贷款人的进入,贷款规模差异随着时间的推移而减少.
- 在银行竞争较强的地区观察到较小的贷款差异.
结论:
- 银行系统中的种族不平等会影响政府救济计划的公平分配.
- 包括金融科技公司在内的贷款人之间的竞争加剧,可以减轻贷款歧视.
- 政策设计应考虑现有的系统不平等,以促进公平的结果.
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