Table 6 2016 unsecured consumer loans. Excluding 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 | 0.0029 | 0.0027 |
Excess nonperforming loan ratio | 387 | 0.0188 | 0.0271 |
Lending inefficiency ratio | 387 | 0.8143 | 0.8795 |