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<p>Our aim in this paper is to gain a better understanding of the potential moderating role of the peer effect in loan officers’ decision-making. We use data from a French cooperative bank with several business branches from 2012 to 2016 and show that when loan officers work with peers who share similar views on soft information, the peer effects reinforce their own preferences. Conversely, these effects sometimes mitigate the preferences for hard information. In addition, we find that the influence of peers is more pronounced for women, for less experienced loan officers, and in environments with high socialization levels, while financial literacy does not seem to have effect.</p>

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To Follow or Not? Moderating Loan Officers’ Preferences Through the Peer Effect

  • 期刊论文

  • 发表日期：

    2025年11月15日

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  • Jérémie Bertrand,
  • Aurore Burietz,
  • Sarah Maire

摘要

Our aim in this paper is to gain a better understanding of the potential moderating role of the peer effect in loan officers’ decision-making. We use data from a French cooperative bank with several business branches from 2012 to 2016 and show that when loan officers work with peers who share similar views on soft information, the peer effects reinforce their own preferences. Conversely, these effects sometimes mitigate the preferences for hard information. In addition, we find that the influence of peers is more pronounced for women, for less experienced loan officers, and in environments with high socialization levels, while financial literacy does not seem to have effect.