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L’Efficience Des Cooperatives De Services Financiers : Une Analyse De La Contribution Du Milieu

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  • Mario Fortin

    ()
    (GREDI, Département d'économique, Université de Sherbrooke)

  • Andre Leclerc

    ()
    (Secteur sciences humaines, Université de Moncton, campus d’Edmundston)

Abstract

Les études empiriques sur l’efficience des institutions bancaires rapportent un niveau moyen d’efficience faible. Selon nous, une partie de cette « boîte noire » s’explique par le fait que le contexte dans lequel opèrent les institutions financières est souvent négligé. Cette étude cherche à identifier si les caractéristiques de l’environnement de même que celles qui sont propres à une coopérative d’épargne et de crédit pourraient expliquer les écarts de performance apparaissant dans les scores d’efficience. Le modèle de coût que nous avons estimé est basé sur la valeur ajoutée par l’intermédiation financière. Par ailleurs, pour éviter la perte d’informations découlant de la borne à l’unité des scores d’efficience découlant du DEA, nous avons comparé les résultats d’une analyse avec le score d’efficience et de super efficience. Nos résultats montrent qu’au moins 34% des écarts de scores peuvent être expliqués par un ensemble limité de variables : taille de la coopérative, le taux de capitalisation, l’épargne par membre, le nombre de membres et le type de marché.

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File URL: http://gredi.recherche.usherbrooke.ca/wpapers/GREDI-1014.pdf
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Bibliographic Info

Paper provided by Departement d'Economique de la Faculte d'administration à l'Universite de Sherbrooke in its series Cahiers de recherche with number 10-14.

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Length: 21 pages
Date of creation: 17 May 2010
Date of revision:
Handle: RePEc:shr:wpaper:10-14

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Keywords: Banking efficiency; DEA; credit unions;

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References

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  1. Tone, Kaoru, 2002. "A slacks-based measure of super-efficiency in data envelopment analysis," European Journal of Operational Research, Elsevier, vol. 143(1), pages 32-41, November.
  2. David Becher & George Deltas & George Pinteris, 2006. "Reconsidering the degree of inefficiency of financial institutions," Proceedings 1026, Federal Reserve Bank of Chicago.
  3. Allen N. Berger & David B. Humphrey, 1997. "Efficiency of Financial Institutions: International Survey and Directions for Future Research," Center for Financial Institutions Working Papers 97-05, Wharton School Center for Financial Institutions, University of Pennsylvania.
  4. Per Andersen & Niels Christian Petersen, 1993. "A Procedure for Ranking Efficient Units in Data Envelopment Analysis," Management Science, INFORMS, vol. 39(10), pages 1261-1264, October.
  5. Amel, Dean & Barnes, Colleen & Panetta, Fabio & Salleo, Carmelo, 2004. "Consolidation and efficiency in the financial sector: A review of the international evidence," Journal of Banking & Finance, Elsevier, vol. 28(10), pages 2493-2519, October.
  6. Dennis Fixler & Kimberly Zieschang, 1999. "The productivity of the banking sector: integrating financial and production approaches to measuring financial service output," Canadian Journal of Economics, Canadian Economics Association, vol. 32(2), pages 547-569, April.
  7. Santiago Carbó Valverde & David Humphrey & Rafael López del Paso, 2007. "Opening the black box: Finding the source of cost inefficiency," Journal of Productivity Analysis, Springer, vol. 27(3), pages 209-220, June.
  8. Worthington, Andrew C, 1999. "Measuring Technical Efficiency in Australian Credit Unions," Manchester School, University of Manchester, vol. 67(2), pages 231-48, March.
  9. Ralston, Deborah, 2001. "The Impact of Regulatory Reform on the Portfolio Performance of Australian Credit Unions," The Economic Record, The Economic Society of Australia, vol. 77(237), pages 167-82, June.
  10. Mario Fortin & Andre Leclerc, 2007. "Should we Abandon the Intermediation Approach for Analyzing Banking Performance?," Cahiers de recherche 07-01, Departement d'Economique de la Faculte d'administration à l'Universite de Sherbrooke.
  11. Charnes, A. & Cooper, W. W. & Rhodes, E., 1978. "Measuring the efficiency of decision making units," European Journal of Operational Research, Elsevier, vol. 2(6), pages 429-444, November.
  12. Andrew C. Worthington, 2001. "Efficiency in pre-merger and post-merger non-bank financial institutions," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 22(8), pages 439-452.
  13. Fried, Harold O. & Knox Lovell, C. A. & Eeckaut, Philippe Vanden, 1993. "Evaluating the performance of US credit unions," Journal of Banking & Finance, Elsevier, vol. 17(2-3), pages 251-265, April.
  14. Lozano-Vivas, Ana & Humphrey, David B., 2002. "Bias in Malmquist index and cost function productivity measurement in banking," International Journal of Production Economics, Elsevier, vol. 76(2), pages 177-188, March.
  15. McDonald, John, 2009. "Using least squares and tobit in second stage DEA efficiency analyses," European Journal of Operational Research, Elsevier, vol. 197(2), pages 792-798, September.
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