Arbeitspapier
Numeracy and the quality of on-the-job decisions: Evidence from loan officers
We examine how the numeracy level of employees influences the quality of their on-the-job decisions. Based on an administrative dataset of a retail bank we relate the performance of loan officers in a standardized math test to the accuracy of their credit assessments of small business borrowers. We find that loan officers with a high level of numeracy are more accurate in assessing the credit risk of borrowers. The effect is most pronounced during the pre-crisis credit boom period when it is arguably more difficult to pick out risky borrowers.
- Sprache
-
Englisch
- Erschienen in
-
Series: ZEW Discussion Papers ; No. 17-026
- Klassifikation
-
Wirtschaft
Banks; Depository Institutions; Micro Finance Institutions; Mortgages
Human Capital; Skills; Occupational Choice; Labor Productivity
- Thema
-
behavioral banking
numeracy
loan officers
screening
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Brown, Martin
Kirschenmann, Karolin
Spycher, Thomas
- Ereignis
-
Veröffentlichung
- (wer)
-
Zentrum für Europäische Wirtschaftsforschung (ZEW)
- (wo)
-
Mannheim
- (wann)
-
2017
- Handle
- URN
-
urn:nbn:de:bsz:180-madoc-433670
- Letzte Aktualisierung
-
10.03.2025, 11:41 MEZ
Datenpartner
Dieses Objekt wird bereitgestellt von:
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Brown, Martin
- Kirschenmann, Karolin
- Spycher, Thomas
- Zentrum für Europäische Wirtschaftsforschung (ZEW)
Entstanden
- 2017
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