Table 4 2013 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 | 655 | 0.0364 | 0.0259 |
Noise-adjusted observed nonperforming loan ratio | 655 | 0.0364 | 0.0258 |
Best-practice nonperforming loan ratio | 655 | 0.0045 | 0.0040 |
Excess nonperforming loan ratio | 655 | 0.0319 | 0.0220 |
Lending inefficiency ratio | 655 | 0.7921 | 0.8423 |