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 |