Technical, Scale, and Allocative Efficiencies in U.S. Banking: An Empirical Investigation
使用非参数前沿方法计算了322家美国独立银行在1986年的整体、技术、纯技术、配置和规模效率，发现整体效率低，主要源于技术无效率而非配置无效率，且分支银行与非分支银行的效率分布无显著差异。
A nonparametric frontier approach is used to calculate the overall, technical, pure technical, allocative, and scale efficiencies for a sample of 322 independent banks. The sample was drawn from the Federal Deposit Insurance Corporation tapes on the Reports of Condition and Reports of Income (Call Reports) for the year 1986. The results indicated a low level of overall efficiency. The main source of inefficiency was technical in nature, rather than allocative. Separate efficiency frontiers were constructed to test the effect of branching. However, the distributions of efficiency measures for branching and non-branching banks were not found to be different.