ترجمه مقاله نقش ضروری ارتباطات 6G با چشم انداز صنعت 4.0
- مبلغ: ۸۶,۰۰۰ تومان
ترجمه مقاله پایداری توسعه شهری، تعدیل ساختار صنعتی و کارایی کاربری زمین
- مبلغ: ۹۱,۰۰۰ تومان
۱ ۳ پیشینه عمومی
داده ها
۲ ۳ نتایج رگرسیون و آنالیز ثبات و پایداری
۴ نتیجه گیری
There is a discussion in the economic literature about whether or not size matters for the performance of banks. From a theoretical perspective, this seems somewhat awkward. Gibrat’s law tells us that size does not matter (Gibrat, 1931), and we know that size is unimportant in the atomistic market structure of the Arrow-Debreu model. However, in the real world, size is a hot issue. In this respect, a substantial amount of research has been directed towards the cost function of banks (see Berger et al. (1999) for an overview). In general, this research established that economies of scale may exist for banks up to the $10bn-$25bn size range. The evidence is at best very weak that cost complementarities exist, i.e. it appears that there are very limited economies of scale. But there turn out to be substantial X-inefficiencies in the banking industry; on average, banks have costs about 20% higher than those of a “best-practice” firm producing the same output. Analysis of the profit function of banks tends to reveal that with increases in bank size profit efficiency may improve (see Akhavein et al., 1997). This might result from improved risk diversification with increases in the scale of the banks' operations.