众筹商业贷款活动中的性别影响
Pomme Theunissen1, Matteo Millone2
1Department of Data Analytics and Digitalisation, Department of Finance, School of Business and Economics, Maastricht University, Maastricht, The Netherlands.
PloS one
|July 10, 2024
概括
女性企业家比男性更快地获得众筹,完成活动的速度比男性快20%. 这项研究强调了众筹作为一个公平的融资途径,克服了传统贷款对女性的不利因素.
科学领域:
- 商业和经济学 商业和经济学
- 创业研究 创业研究
- 金融技术 金融技术
背景情况:
- 众筹是企业家越来越重要的资本来源.
- 传统的贷款道往往给女性创业者带来不利影响.
- 了解替代金融中的性别动态至关重要.
研究的目的:
- 通过众筹资金调查性别对通过众筹资金获得商业贷款所需时间的影响.
- 为了比较女性,男性和夫妇领导的企业的众筹成功率.
- 分析与性别相关的投资者行为,特别是群体.
主要方法:
- 对3个荷兰众筹平台的934个商业贷款活动进行了生存分析.
- 基于企业家性别的竞选完成时间的比较分析.
- 检查放牧行为及其差异性影响.
主要成果:
- 与男性企业家相比,女性企业家的众筹活动完成时间比男性企业家短20%.
- 在夫妻领导的企业和男性领导的企业中,没有观察到完成时间的显著差异.
- 放牧行为对竞选成功的积极影响对女性企业家来说是最明显的.
结论:
- 与传统金融相比,众筹平台为女性创业者提供了更公平的融资环境.
- 女性企业家在众筹中并不像在传统贷款中那样面临同样的不利因素.
- 众筹中的投资者群体行为不成比例地有利于女性企业家,可能会使竞争环境平等.
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