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What determines efficiency in MENA banks?

机译：什么决定了MENA银行的效率？

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摘要

This paper has analyzed cost efficiency and its determinants in Middle Eastern and Northern African (MENA) countries during the 2005-2012 period. Our results have shown that cost efficiency is positively related with economic performance, but the level of concentration and market share has a negative influence on the former, thus supporting the Quiet Life Hypothesis. We have also found support for the competition-inefficiency hypothesis, which may be explained by lower loyalty between customers and banks. M the individual level, size shows the importance of economies of scale and the level of capital also produces a positive effect. The effects on market structure are more important in the crisis period than before it. Turning to country-level variables, inflation and GDP are positively related to total cost function. Therefore, banking policies should promote profitability, capitalization and growth while at the same time controlling excessive concentration and competition.
机译：本文分析了2005-2012年期间中东和北非（MENA）国家的成本效率及其决定因素。我们的结果表明，成本效率与经济绩效呈正相关，但集中度和市场份额对前者有负面影响，因此支持“安静生活假说”。我们还发现了对竞争效率低下假设的支持，这可以用客户与银行之间的忠诚度降低来解释。在个人层面上，规模显示了规模经济的重要性，而资本水平也产生了积极的影响。在危机时期，对市场结构的影响比以前更为重要。谈到国家一级的变量，通货膨胀和国内生产总值与总成本函数呈正相关。因此，银行政策应促进盈利能力，资本化和增长，同时控制过度集中和竞争。

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  • 来源
    《Journal of Business Research》 |2020年第5期|331-341|共11页
  • 作者

  • 作者单位

    Univ Santiago Dept Financial Econ & Accounting Burgo Nacions S-N Santiago De Compostela 15782 Spain;

    Najah Natl Univ Islamic Banking Dept Nablus Palestine;

    Univ Balearic Isl Dept Business Econ C Valldemossa Km 7-5 Campus UIB Palma De Mallorca 07122 Spain;

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  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

    Banking; Market structure; Efficiency; MENA countries; Stochastic frontier analysis (SFA); GMM;

    机译：银行业;市场结构;效率;中东和北非国家;随机前沿分析（SFA）;GMM;

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