A lesson to learn from developed countries: The Case of State Branching Deregulation in the US
Resumo
The era of US state branching deregulation started in 1970 and ended up with the
enactment of the Riegle Neal Act of 1994. One of the purposes of the branching
restriction was to avoid bank concentration. The following paper addresses
the influence of the state deregulation on commercial banks’ efficiency within
the US. We calculate an indicator of bank efficiency using Data Envelopment
Analysis (DEA). The efficiency indicator is used as the primary step to analyze
the effect of state branching law deregulation on bank’s efficiency. The analysis
is complemented with a failure prediction model using these DEA scores.
Palavras-chave:
Data Envelopment Analysis, Input Oriented Models, Interstate Branch Regulation
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