IDEAS home Printed from https://ideas.repec.org/
MyIDEAS: Login to save this paper or follow this series

Économies d’échelle et de gamme dans les coopératives de services financiers : une approche non paramétrique (DEA)

  • Mario Fortin

    ()

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

  • Andre Leclerc

    ()

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

Lorsque des économies d’échelle et de gamme sont simultanément présentes, le regroupement des établissements tend à réduire les coûts. De nombreuses études empiriques ont déjà établi qu’au-delà d’une certaine taille, les coûts des banques tendent à devenir proportionnels. Il y aurait donc une limite à ces économies d’échelle et de gamme. Nous vérifions si l’important processus de fusions des caisses Desjardins du Québec et des caisses acadiennes entrepris en 1998 les a poussées au-delà de leur seuil minimal d’efficacité. Une analyse par lissage exponentiel montre que le coût moyen d’opération cesse de diminuer lorsque l’actif des caisses atteint 250 millions de dollars. Nous procédons à une estimation formelle de cette conclusion à l’aide de la méthode du Data Envelopment Analysis (DEA). Notre estimation combine les méthodes maintenant bien connues pour calculer l’efficacité d’échelle avec le DEA à un résultat de Fortin et Leclerc (2006) montrant que les économies de gamme peuvent se décomposer en efficacité d’échelle et en une mesure de convexité de la fonction de production. Nos montrons que la plupart des fusions ont amené la caisse fusionnée à une taille telle qu’elle se situe en situation de rendement d’échelle décroissant. La recherche de la taille optimale ne semble donc pas être la première préoccupation dans la décision de fusion.

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

File URL: http://gredi.recherche.usherbrooke.ca/wpapers/GREDI-0908.pdf
File Function: First version, 2007
Download Restriction: no

Paper provided by Departement d'Economique de la Faculte d'administration à l'Universite de Sherbrooke in its series Cahiers de recherche with number 09-08.

as
in new window

Length: 23 pages
Date of creation: 2009
Date of revision:
Handle: RePEc:shr:wpaper:09-08
Contact details of provider: Postal: Sherbrooke, Québec, J1K 2R1
Phone: (819) 821-7233
Fax: (819) 821-6930
Web page: http://www.gredi.org/home/documents-de-travail
Email:


More information through EDIRC

References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:

as in new window
  1. Allen N. Berger & Loretta J. Mester, 1997. "Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?," Center for Financial Institutions Working Papers 97-04, Wharton School Center for Financial Institutions, University of Pennsylvania.
  2. 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.
  3. Jason Allen & Ying Liu, 2005. "Efficiency and Economies of Scale of Large Canadian Banks," Working Papers 05-13, Bank of Canada.
  4. 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.
  5. Mario Fortin & André Leclerc, 2006. "An Output Orientated Non Parametric Measure of Economies of Scope," Cahiers de recherche 06-22, Departement d'Economique de la Faculte d'administration à l'Universite de Sherbrooke.
  6. Mitchell, Karlyn & Onvural, Nur M, 1996. "Economies of Scale and Scope at Large Commercial Banks: Evidence from the Fourier Flexible Functional Form," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 28(2), pages 178-99, May.
  7. James McIntosh, 2002. "A welfare analysis of Canadian chartered bank mergers," Canadian Journal of Economics, Canadian Economics Association, vol. 35(3), pages 457-475, August.
  8. 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.
  9. Evan Kraft & Richard Hofler & James Payne, 2006. "Privatization, foreign bank entry and bank efficiency in Croatia: a Fourier-flexible function stochastic cost frontier analysis," Applied Economics, Taylor & Francis Journals, vol. 38(17), pages 2075-2088.
Full references (including those not matched with items on IDEAS)

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

When requesting a correction, please mention this item's handle: RePEc:shr:wpaper:09-08. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Luc Savard)

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.

This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.