Market Power and Cost Efficiency in the African Banking Industry-非洲银行业的市场力量和成本效率

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英文文献：Market Power and Cost Efficiency in the African Banking Industry-非洲银行业的市场力量和成本效率
英文文献作者：Simplice A. Asongu,Rexon T. Nting,Joseph Nnanna
英文文献摘要：
Purpose- In this study, we test the so-called ‘Quiet Life Hypothesis’ (QLH) which postulates that banks with market power are less efficient. Design/methodology/approach- We employ instrumental variable Ordinary Least Squares, Fixed Effects, Tobit and Logistic regressions. The empirical evidence is based on a panel of 162 banks consisting of 42 African countries for the period 2001-2011. There is a two-step analytical procedure. First, we estimate Lerner indices and cost efficiency scores. Then, we regress cost efficiency scores on Lerner indices contingent on bank characteristics, market features and the unobserved heterogeneity. Findings- The empirical evidence does not support the QLH because market power is positively associated with cost efficiency. Originality/value- Owing to data availability constraints, this is one of the few studies to test the QLH in African banking.

目的:在这项研究中，我们测试了所谓的“平静生活假说”(QLH)，它假设拥有市场力量的银行效率较低。设计/方法/方法-我们采用工具变量普通最小二乘、固定效应、Tobit和Logistic回归。实证证据是基于2001-2011年期间由42个非洲国家组成的162家银行组成的小组得出的。有一个两步的分析过程。首先，我们估计勒纳指数和成本效率分数。然后，我们根据银行特征、市场特征和未观察到的异质性回归勒纳指数的成本效率得分。发现-经验证据不支持QLH，因为市场力量与成本效率正相关。独创性/价值——由于数据可用性的限制，这是测试非洲银行业QLH的少数研究之一。

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