中国居民性别差异对消费信贷盈利贡献的实证测度——来自商业银行信用卡业务的证据

为了测度性别差异对消费信贷盈利贡献的影响机制，本文基于商业银行信用卡业务103455个账户及其过去一年的交易记录，构建了性别差异对消费信贷盈利贡献的中介效应模型。结果显示：在综合效应方面，女性对消费信贷的盈利贡献显著高于男性。在中介效应和直接效应方面，性别差异通过影响交易频率对消费信贷盈利贡献有显著影响，贷款规模和风险水平对盈利贡献有负向完全中介效应，交易金额、忠诚度、最后一次交易距离目前的时间对盈利贡献无显著影响。说明消费金融机构应改变规模驱动的粗放发展路径，转向提升交易频率的客户经营策略。我国应大力发展女性经济及消费生态，提升整体贡献水平。

An Empirical Measure of Consumption Credit’s Profit Contribution in Chinese Gender Difference——From the Evidence of Credit Card Business in Commercial Banks

The issue of consumer credit profitability has always been a research topic of great concern to commercial banks and consumer finance companies. Take credit card as an example, in foreign countries, credit card is a high profit product. In contrast, the profit level of credit card business in China is obviously insufficient, most of the credit card businesses are still in a loss state.In order to improve the profitability of commercial banks’ credit card business, the mechanism and path of the influence of gender difference on the profit contribution of consumer credit are studied, so as to help commercial institutions grasp the core variable and influence path of consumer credit. The mediating effect model of consumption credit’s profit contribution in Chinese gender difference is established, based on the commercial banks’ 103,455 accounts and their transaction records from the past year. The results show that in terms of comprehensive effects, women ’s contribution to consumption credit’s profit is significantly higher than that of men. In terms of indirect effects and direct effects, gender difference has a significant impact on the contribution of consumption credit profit by affecting the frequency of transactions. Loan and risk level have totally negative indirect effects. Transaction amount, loyalty and the current transaction time have no significant impact on the profit contribution. It’s said that consumption financial institutions should change the scale-driven development path in the past into the transaction-driven path to reactive the existing customers, especially the women customers. Meantime, China should develop the female economy, women ’s consumption ecology to improve the overall profit contribution.