Efficiency and total factor productivity change of Malaysian commercial banks
Efficiency and total factor productivity change of Malaysian commercial banks
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DOI：
10.1080/02642069.2010.503882
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发表时间：
2011-10
期刊：
影响因子：
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通讯作者：
Mariani Abdul-Majid;David S. Saal;G. Battisti
中科院分区：
文献类型：
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作者：
Mariani Abdul-Majid;David S. Saal;G. Battisti
本文对1996年至2002年间马来西亚商业银行的效率进行了分析，发现1998年东亚金融危机主要是由于成本削减导致了效率的短期提高，但危机后不良贷款的增加导致了银行效率的持续下降。研究还发现，合并、完全伊斯兰银行和经营伊斯兰银行窗口的传统银行都与较低的效率有关。这篇论文的估计表明，规模回报略有下降，平均生产率变化2.37%，这主要是由于技术变化，但随着时间的推移，技术变化有所下降。最后，尽管伊斯兰银行在开发新产品和技术方面取得了一定的成功，但结果表明，伊斯兰银行克服相对低效的潜力有限。
This paper analyses the efficiency of Malaysian commercial banks between 1996 and 2002 and finds that while the East Asian financial crisis caused a short-term increase in efficiency in 1998 primarily due to cost-cutting, increases in non-performing loans after the crisis caused a more sustained decline in bank efficiency. It is also found that mergers, fully Islamic banks, and conventional banks operating Islamic banking windows are all associated with lower efficiency. The paper estimates suggest mild decreasing returns to scale, and an average productivity change of 2.37% that is primarily attributable to technical change, which has nonetheless declined over time. Finally, while Islamic banks have been moderately successful in developing new products and technologies, the results suggest that the potential for Islamic banks to overcome their relative inefficiency is limited.