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The comparative bank efficiency across countries and its relation to economic growth: An empirical study of ASEAN countries.

机译：各国的银行比较效率及其与经济增长的关系：对东盟国家的实证研究。

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摘要

Bank efficiency becomes critically important in an environment of increasingly contestable international markets. As such, information regarding the efficiency of banks in a particular country as compared to their counterparts in other countries is a matter of great importance, enabling policy makers to make better decisions. The issue of banking efficiency, however, is secondary if greater efficiency in the banking sector does not help generate faster economic growth. Despite overwhelming empirical evidence on the importance of well functioning financial system to a country's economic growth, there is no empirical study being done on the importance of banking efficiency as an indicator of financial development to economic growth.; Hence, this study has two main objectives. First, by using a stochastic cost frontier approach, this study investigates whether there are significant differences in banking efficiency across countries in the ASEAN region. Second, the average efficiency scores from the stochastic cost frontier estimation are used to determine whether countries with more efficient banking sectors have higher economic growth by using panel data econometrics analysis.; The results indicate that there are significant difference in bank efficiency across countries in ASEAN. The results also show that, on average, ASEAN banks enjoy increasing return to scale. Although scale economies for ASEAN banks decrease with asset sizes, larger banks tend to have higher cost efficiency than smaller banks. Results for panel data regression indicate that bank inefficiency has a negative effect on GDP growth in the short-run while only persistent increases/decreases in bank inefficiency affect long run GDP growth. The results also show that while non competitive banking market can have positive effect on short run GDP growth, it has a detrimental effect in the long run if concentration persists over time.; These results support the policy of consolidating the banking sector in the ASEAN countries. However, consolidating the banking sector in itself will not promote long run economic growth if competition among banks is not encouraged.
机译：在竞争日益激烈的国际市场环境中，银行效率至关重要。因此，关于特定国家/地区的银行与其他国家/地区的银行相比的效率的信息非常重要，这有助于决策者做出更好的决策。但是，如果银行业的效率提高不能帮助实现更快的经济增长，那么银行业效率问题将是次要的。尽管有大量的经验证据表明，运作良好的金融体系对一个国家的经济增长的重要性，但尚未进行任何关于银行效率作为金融发展对经济增长指标的重要性的经验研究。因此，这项研究有两个主要目标。首先，通过使用随机成本前沿方法，本研究调查了东盟地区各国之间银行效率是否存在显着差异。其次，通过面板成本计量经济学分析，使用随机前沿成本估算得出的平均效率得分来确定银行部门效率更高的国家是否具有较高的经济增长。结果表明，东盟各国之间的银行效率存在显着差异。结果还表明，平均而言，东盟银行享有规模收益的增长。尽管东盟银行的规模经济随着资产规模的减少而减少，但大型银行往往比小型银行具有更高的成本效率。面板数据回归的结果表明，短期内银行效率低下会对GDP增长产生负面影响，而只有银行效率低下的持续增长/下降会影响长期GDP增长。结果还表明，尽管非竞争性银行市场可以对短期GDP增长产生积极影响，但如果长期持续集中，从长远来看将具有不利影响。这些结果支持了东盟国家巩固银行业的政策。但是，如果不鼓励银行之间的竞争，巩固银行业本身将不会促进长期经济增长。

著录项

  • 作者

    Karim, Mohd Zaini Abd.;

  • 作者单位

    University of Arkansas.;

  • 授予单位 University of Arkansas.;
  • 学科 Economics General.; Business Administration Banking.; Political Science International Law and Relations.
  • 学位 Ph.D.
  • 年度 2000
  • 页码 136 p.
  • 总页数 136
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 经济学;金融、银行;国际法;
  • 关键词

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