تحليل الكفاءة المصرفية بالتطبيق على المصارف التقليدية العاملة في فلسطين

Abstract

Economic history tended by his support to the fact that for the financial development a fundamental contribution to economic growth, where financial development has helped the process of industrialization in developed countries to facilitate the mobilizing capital for big investments, and enable companies toget a biggerexternal funds, it contributed toits rapid growth, butthisobjectivewill not happenwhatthese financial institutionsdid not work, including commercial banks, in particular, the levelofgood performance, for this highlights the efficiency analysis process as a step is of great importance for respond the different parties in these institutions for the right way of financial intermediation. And as a result ofthe intensification ofthe severity ofbankingcompetition, efficiency at thecostleveland profitbecamean importantadministrativerequirementthat banksshould betrying to achievein order tobe able to continueand grow, as well as to be able to cope with potential newcomers (foreign banks) and financial services providers in general. Effectivefinancial systemisconsideredprerequisite for achievingthe economicdevelopment of the countryand therefore theanalysis ofstudiesand measurement ofbankingefficiencyin any economyis vitalfor operational purposes, as well as academic.

1. The research problem: It has becomeuseful tothe Palestinian bankingsector efficiencyanalysis of whatwitnessingthese banksoftransformationsandreforms, especially that the economic system success in the present day has become dependent on the effective and efficient financial system, particularly the banking system. Efficiency is represent in choose the resources combination least cost to produce the maximum limit from financial services. Accordingly, accordingly, these banks Related of economic efficiency or allocative that can be able to confront the limitations and variables associated with the price change and competition intensifies. Through the above it can be formulated problematic addressed by this research in the following question: What is the level of banking efficiency for the conventional banks operating in Palestine in accordance to the results of the application of data envelopment analysis method (DEA) and the stochastic frontier analysis method (SFA)? And branching out from the main question the following sub-questions: 1) Are there significant differences in the average degree of efficiency of conventional banks operating in Palestine according to the model used in the estimation of the degree of efficiency? 2) Are there significant differences in the average degree of efficiency of conventional banks operating in Palestine according to the type of bank?