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Racial discrimination in the consume...

Lin, Chi-Jack.

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Racial discrimination in the consumer credit market.

Record Type:	Language materials, printed : Monograph/item
Title/Author:	Racial discrimination in the consumer credit market./
Author:	Lin, Chi-Jack.
Description:	82 p.
Notes:	Source: Dissertation Abstracts International, Volume: 71-12, Section: A, page: .
Contained By:	Dissertation Abstracts International71-12A.
Subject:	African American Studies. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3425454
ISBN:	9781124257914

Racial discrimination in the consumer credit market.
Lin, Chi-Jack.

Racial discrimination in the consumer credit market. - 82 p.

Source: Dissertation Abstracts International, Volume: 71-12, Section: A, page: .

Thesis (Ph.D.)--The Ohio State University, 2010.

This paper tries to ascertain whether there is racial discrimination in the consumer credit market, and if there is, what are the possible reasons behind it. The theoretical model shows different outcomes for statistical and taste discrimination. We derived a testable hypothesis from the model, and made some empirical analyses. We used the Survey of Consumer Finances 1998 to 2007 data sets, and found that households with black and Hispanic respondents are discriminated against in the consumer credit market. The results show that the discrimination in the consumer credit market against black and Hispanic households is statistical discrimination: lenders choose to discriminate against black and Hispanic because they on average have higher default risk.

ISBN: 9781124257914Subjects--Topical Terms:

1669123
African American Studies.

Racial discrimination in the consumer credit market.
LDR:01742nam 2200325 4500 001 1396177
005 20110531080616.5
008 130515s2010 ||||||||||||||||| ||eng d
020 $a 9781124257914
035 $a (UMI)AAI3425454
035 $a AAI3425454
040 $a UMI $c UMI
100 1 $a Lin, Chi-Jack. $3 1674944
245 1 0 $a Racial discrimination in the consumer credit market.
300 $a 82 p.
500 $a Source: Dissertation Abstracts International, Volume: 71-12, Section: A, page: .
500 $a Advisers: Sherman Hanna; Hajime Miyazaki.
502 $a Thesis (Ph.D.)--The Ohio State University, 2010.
520 $a This paper tries to ascertain whether there is racial discrimination in the consumer credit market, and if there is, what are the possible reasons behind it. The theoretical model shows different outcomes for statistical and taste discrimination. We derived a testable hypothesis from the model, and made some empirical analyses. We used the Survey of Consumer Finances 1998 to 2007 data sets, and found that households with black and Hispanic respondents are discriminated against in the consumer credit market. The results show that the discrimination in the consumer credit market against black and Hispanic households is statistical discrimination: lenders choose to discriminate against black and Hispanic because they on average have higher default risk.
590 $a School code: 0168.
650 4 $a African American Studies. $3 1669123
650 4 $a Black Studies. $3 1017673
650 4 $a Economics, Finance. $3 626650
650 4 $a Sociology, Ethnic and Racial Studies. $3 1017474
650 4 $a Hispanic American Studies. $3 1017793
690 $a 0296
690 $a 0325
690 $a 0508
690 $a 0631
690 $a 0737
710 2 $a The Ohio State University. $b Economics. $3 1673045
773 0 $t Dissertation Abstracts International $g 71-12A.
790 1 0 $a Hanna, Sherman, $e advisor
790 1 0 $a Miyazaki, Hajime, $e advisor
790 $a 0168
791 $a Ph.D.
792 $a 2010
856 4 0 $u http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3425454