Small-business lending and profit efficiency in commercial banking

被引：1

作者：

Devaney M. ^{[1
]}

Weber W.L. ^{[1
]}

机构：

[1] Southeast Missouri State University,

来源：

Journal of Financial Services Research | 2002年 / 22卷 / 3期

关键词：

DEA; Profit efficiency; Small business;

D O I：

10.1023/A:1019733226515

中图分类号：

学科分类号：

摘要：

We use nonparametric linear programming methods to calculate the directional distance function and the profit function for a random sample of banks from 1994 to 1999. The estimates imply that the gain in small-business lending from reducing technical inefficiency is minor compared to the gain possible from eliminating allocative inefficiency. Actual small-business lending early in the sample period is less than optimal, but the misallocation is confined to small banks. As a percentage of assets, small-business lending is larger for the most efficient banks.

引用

页码：225 / 246

页数：21

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