印度银行的效率如何?随机前沿分析的应用

IF 1.3 Q3 ECONOMICS
Ahmad Shadab Khan, Shakeb Akhtar, Mahfooz Alam
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引用次数: 0

摘要

本研究采用随机前沿的参数方法来考察银行的技术效率,同时承认外生冲击、遗漏变量和测量误差,填补了现有金融文献的空白。研究结果表明,在研究期间,由于银行系统的技术扩散,新私营银行的平均技术效率保持在 92.7%。在此期间,国有银行、老牌私人银行和外资银行的技术效率有所提高,原因是有效利用了各种创新信息技术服务,如移动银行、支票截断系统、磁性墨水字符识别。然而,外资银行的技术效率平均值为 81.7%,仍然处于落后地位。实证研究结果表明,新私营银行的效率高于国有银行、老私营银行和外资银行。为了达到预期结果,作者将合并银行纳入了数据集。此外,作者在分析中排除了所有在册小型金融银行和在册支付银行,因为这些实体是在 2015 年后开始运营的。此外,作者还排除了地区性农村银行,因为这些银行的独特任务是为农村人口和农业部门提供服务。 原创性/价值 本研究采用随机前沿方法,使用最新数据,涵盖相对较长的时期,为有关传统银行,特别是新兴市场银行绩效的文献做出了贡献。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
How efficient are Indian banks? An application of stochastic frontier analysis

Purpose

This study aims to investigate the efficiency of Indian commercial banks from 2002 to 2018 using the stochastic frontier analysis.

Design/methodology/approach

This study uses the parametric approach of the stochastic frontier to examine the technical efficiency of banks acknowledging exogenous shocks, omitted variables and measurement errors, filling a gap in the existing financial literature. The scope of this study was constrained to 71 scheduled commercial banks to make it manageable and productive with 1,036 observations.

Findings

The results show that the mean technical efficiency of new private banks remained constant at 92.7% during the study period because of technology diffusion in banking systems. The technical efficiency of the nationalized, old private and foreign banks has enhanced over the period because of the efficient utilization of various innovative information technology services such as mobile banking, cheque truncation system, magnetic ink character recognition. However, the foreign banks are still laggards with a mean technical efficiency of 81.7%. The empirical findings suggest that new private sector banks depict higher efficiency than nationalized, old private and foreign banks.

Research limitations/implications

This study’s sample represents all categories of banks (public, private and foreign) including the banks that merged or consolidated during the period of study. To achieve the desired results, the authors incorporate the consolidated and merged banks in their data set. Further, the authors excluded all scheduled small finance banks and scheduled payment banks from their analysis, as these entities commenced operations post-2015. Additionally, the authors also excluded regional rural banks because of their distinct mandate aimed at servicing the rural populace and agricultural sector.

Originality/value

This study contributes to the literature on the performance of conventional banks in general and emerging markets, in particular, using the most recent data and covering a relatively long period using the stochastic frontier approach.

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来源期刊
CiteScore
2.80
自引率
8.30%
发文量
13
期刊介绍: The Journal of Financial Economic Policy publishes high quality peer reviewed research on financial economic policy issues. The journal is devoted to the advancement of the understanding of the entire spectrum of financial policy and control issues and their interactions to economic phenomena. Economic and financial phenomena involve complex trade-offs and linkages between various types of risk factors and variables of interest to policy makers and market participants alike. Market participants such as economic policy makers, regulators, banking and competition supervisors, corporations and financial institutions, require timely and robust answers to the contemporary and emerging policy questions. In turn, such answers require thorough input by the academics, policy makers and practitioners alike. The Journal of Financial Economic Policy provides the forum to satisfy this need. The journal publishes and invites concise papers to enable a prompt response to current and emerging policy affairs.
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