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
收藏
页码：225 / 246
页数：21
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