Eficiencia bancaria en costes. ¿Existe convergencia en la UE ampliada?

  1. José L. Gallizo 1
  2. Jordi Moreno 1
  3. Manuel Salvador 2
  1. 1 Universitat de Lleida. Departament d'Administració d'Empreses i Gestió Econòmica dels Recursos Naturals
  2. 2 Universidad de Zaragoza. Departamento de Estructura e Historia Económica y Economía Pública
Revista:
Revista española de financiación y contabilidad

ISSN: 0210-2412

Año de publicación: 2015

Volumen: 44

Número: 4

Páginas: 509-544

Tipo: Artículo

DOI: 10.1080/02102412.2015.1063250 DIALNET GOOGLE SCHOLAR

Otras publicaciones en: Revista española de financiación y contabilidad

Resumen

El objetivo del estudio es analizar la existencia de un proceso de convergencia en materia de eficiencia bancaria en costes entre los nuevos miembros de la UE y los países de la UE-15. Para ello se estiman los niveles de eficiencia de una muestra de 27 países europeos en el periodo 2000–2008 y se analiza su convergencia β y σ. La estimación de dichos niveles se lleva a cabo mediante técnicas bayesianas de estimación y comparación de modelos aplicadas a diversos modelos de frontera estocástica (SFA) aplicados a datos de panel no balanceado. Los modelos comparados difieren en las hipótesis sobre la frontera y la distribución de los términos de eficiencia, todo lo cual dota al estudio realizado de un mayor grado de robustez. Los resultados obtenidos ponen de manifiesto la existencia de un proceso de convergencia en la UE ampliada. Además, mediante un modelo de ajuste parcial se observa que, si bien los niveles de eficiencia han tendido a aumentar con la integración europea, dicha convergencia no se produce hacia la mejor práctica posible.

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