Financial and Operative Cost EfficiencySpanish Savings Banks in Pre-Crisis Period

  1. María Concepción Pérez-Cárceles 1
  2. Juan Cándido Gómez-Gallego 1
  3. Juan Gómez-García 2
  1. 1 Universidad Católica San Antonio
    info

    Universidad Católica San Antonio

    Murcia, España

    ROR https://ror.org/05b1rsv17

  2. 2 Universidad de Murcia
    info

    Universidad de Murcia

    Murcia, España

    ROR https://ror.org/03p3aeb86

Revista:
Estudios de economía aplicada

ISSN: 1133-3197,  1697-5731

Año de publicación: 2015

Título del ejemplar: El futuro de los métodos cuantitativos en economía aplicada: la herencia de Klein

Volumen: 33

Número: 2

Páginas: 633-648

Tipo: Artículo

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Otras publicaciones en: Estudios de economía aplicada

Resumen

Este estudio aplica la aproximación de frontera estocástica a una muestra de cajas de ahorros españolas en el periodo pre-crisis (2002-2007) con el objetivo de analizar la relación entre la ineficiencia en costes y la inestabilidad financiera. Además, se estiman por Máxima Verosimilitud dos funciones translog de costes, financieros y operativos, para determinar la influencia del nivel de eficiencia en cada dimensión del coste. Los resultados asocian las mayores ineficiencias a los costes operativos, por lo que las políticas de gestión deberían orientarse a la reducción del capital físico. Por otra parte, las covariables financieras localizan las estrategias más efectivas en la búsqueda de ventajas en los mercados de depósitos y el incremento en recursos y la calidad de los activos mediante provisiones.

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Fuente de los datos: Dialnet