传统银行和符合伊斯兰教法的银行的输入要求

M. Majid
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引用次数: 11

摘要

伊斯兰银行活动被限制在伊斯兰教法的范围内,这是在社会责任和道德银行活动的范围内,不同于基于利益的银行活动。本文试图衡量符合伊斯兰教法的银行与传统银行相比较所需的输入数据,以估计其相对效率、规模经济和回报。对经营两种类型银行业务的10个国家的银行样本进行了成本和产出距离函数估计。结果表明,与基于利息的银行业务相比,符合伊斯兰教法的银行业务具有更高的投入要求,但仅在马来西亚表现出更高的平均效率,但在跨国分析中表现出较低的平均效率。几乎没有证据表明伊斯兰银行和传统银行在经济效益/规模回报方面存在差异。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Input Requirements of Conventional and Shariah compliant Banking
Islamic banking activities are limited within the scope of shari’ah which is within the scope of socially responsible and ethical banking activities, different from that based on interest-based banking. This paper attempts to measure the input data required by shari’ah-compliant banking in comparison with conventional banking to estimate their relative efficiencies and economies of and returns to scale. Cost and output distance functions were estimated for a sample of banks in 10 countries which operate both types of banking. The results showed that shari’ah-compliant banking has higher input requirements relative to interest based banking, but exhibit superior average efficiency only in Malaysia but inferior average efficiency in cross-country analysis. There is little evidence of differences in economies/returns to scale between shari’ah and conventional banks.
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