AN ANALYSIS OF BANK EFFICIENCY IN THE MIDDLE EAST AND NORTH AFRICA

Saeid Eisazadeh, Zeinab Shaeri
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引用次数: 15

Abstract

This paper reports institutional factor effects on bank efficiency in Middle Eastern and North African countries during a recent 14 years. The methods used are: Stochastic Frontier Analyses and second-stage Tobit regression to investigate the impact of institutional-cum-financial as well as bank-specific variables on efficiency. Overall, the analysis shows that banks could save 20 percent of their total costs if they were operating efficiently. Factors that affect production efficiency are: macroeconomic stability, financial development, the degree of market competition, legal rights and contract laws, better governance and political stability. Differences in technology seem to be crucial in explaining efficiency differences. Our findings point to the importance of policies that aim to build stronger institutions, promote more competition, and improve governance. Policies should be aimed at giving banks incentives to improve their capitalization and liquidity. Improvements in the legal system and in the regulatory and supervisory bodies would also help to reduce inefficiency, areas of immediate concerns for this vast region. Finally, increased investments and upgrading of the stock markets in the region would help banks improve their performance through market-based investor actions.
中东和北非地区银行效率分析
本文研究了近14年来中东和北非国家制度因素对银行效率的影响。使用的方法是:随机前沿分析和第二阶段Tobit回归来研究制度和金融以及银行特定变量对效率的影响。总的来说,分析表明,如果银行有效运作,它们可以节省总成本的20%。影响生产效率的因素有:宏观经济稳定、金融发展、市场竞争程度、法律权利和合同法、更好的治理和政治稳定。技术上的差异似乎是解释效率差异的关键。我们的研究结果表明,旨在建立更强大的制度、促进更多竞争和改善治理的政策至关重要。政策应旨在激励银行改善其资本和流动性。改善法律制度以及管理和监督机构也将有助于减少效率低下的问题,这是这个广大地区直接关心的问题。最后,该地区增加投资和股票市场升级将有助于银行通过基于市场的投资者行动改善业绩。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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