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osu1276708518.pdf (272.32 KB)
ETD Abstract Container
Abstract Header
Racial Discrimination in the Consumer Credit Market
Author Info
Lin, Chi-Jack
Permalink:
http://rave.ohiolink.edu/etdc/view?acc_num=osu1276708518
Abstract Details
Year and Degree
2010, Doctor of Philosophy, Ohio State University, Economics.
Abstract
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 analysis. 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.
Committee
Hajime Miyazaki (Committee Co-Chair)
Sherman Hanna (Committee Co-Chair)
Lucia Dunn (Committee Member)
Stephen Cosslett (Committee Member)
Pages
72 p.
Subject Headings
Economics
Keywords
discrimination
;
credit market
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Refworks
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Citations
Lin, C.-J. (2010).
Racial Discrimination in the Consumer Credit Market
[Doctoral dissertation, Ohio State University]. OhioLINK Electronic Theses and Dissertations Center. http://rave.ohiolink.edu/etdc/view?acc_num=osu1276708518
APA Style (7th edition)
Lin, Chi-Jack.
Racial Discrimination in the Consumer Credit Market.
2010. Ohio State University, Doctoral dissertation.
OhioLINK Electronic Theses and Dissertations Center
, http://rave.ohiolink.edu/etdc/view?acc_num=osu1276708518.
MLA Style (8th edition)
Lin, Chi-Jack. "Racial Discrimination in the Consumer Credit Market." Doctoral dissertation, Ohio State University, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=osu1276708518
Chicago Manual of Style (17th edition)
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Document number:
osu1276708518
Download Count:
1,566
Copyright Info
© 2010, all rights reserved.
This open access ETD is published by The Ohio State University and OhioLINK.