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Table 2 2016 Unsecured consumer loans. Including the volume of unsecured consumer lending. Summary statistics of nonperformance derived from stochastic frontier estimation

From: Consumer lending efficiency: commercial banks versus a fintech lender

Variable

N

Mean

Median

Observed nonperforming loan ratio

387

0.0299

0.0215

Noise-adjusted observed nonperforming loan ratio

387

0.0299

0.0215

Best-practice nonperforming loan ratio

387

0.0039

0.0028

Excess nonperforming loan ratio

387

0.0261

0.0180

Lending inefficiency ratio

387

0.7942

0.8744