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lunes, 15 de abril de 2019

Status of Women´s Financial Inclusion in Spain. Gobernador del Banco de España

https://www.bde.es/f/webbde/GAP/Secciones/SalaPrensa/IntervencionesPublicas/Gobernador/Arc/hdc120419en.pdf


Pablo Hernández de Cos
Governor of the Banco de España
WOMEN’S FINANCIAL INCLUSION WORKSHOP
Council on Foreign Relations
12 April 2019



CONCLUSIONS
•Gender differences in financial literacy are present in Spain as in many other
economies
•In Spain the gender gap varies depending on whether the individual is familiar
or not with her own household finances, and, importantly, depending on the
family structure
•On the contrary, there are no significant gender gaps in holding or acquisition
of financial products
•Women are more optimistic about the evolution of house prices than men, and
also tend to provide higher estimates for the value of their home and lower
estimates for the value of their financial assets compared to men
•Female entrepreneurs in Spain are less likely to apply for a credit when they
start a business, and - for those who applied - the probability of getting the
loan is significantly lower than their male peers in the industry
•Female loan officers produce loans that will carry a smaller default rate than
men, and follow more often the recommendation of the scoring mode


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