IDEAS home Printed from https://ideas.repec.org/a/ris/actuec/v53y1977i1p23-43.html
   My bibliography  Save this article

Économies d’échelle dans les opérations des caisses populaires du district de Québec

Author

Listed:
  • Khoury, Nabil T.

    (Université Laval (Québec))

Abstract

The application of the computer to the servicing of deposit accounts at banks and non-bank financial intermediaries is a fairly recent development. Most empirical studies of economies of scale in this industry date prior to this technological transition. There is one notable exception, however, and that is the study by D. L. Daniel, W. A. Longbrake and N. B. Murphy (1972), in which they reported economies of scale in the servicing of checking deposits for computerized banks, especially when the number of such accounts exceeds the 10,600 mark. The present study examines the issue for a different type of computer-using deposit institution, namely: a sample of 128 Canadian Credit Unions located in the district of Quebec and referred to as the "Caisses Populaires" (C.P.'s). These institutions were chosen for the study because they present some unique characteristics and also because they were among the first Canadian financial institutions to computerize the servicing of their deposit operations.

Suggested Citation

  • Khoury, Nabil T., 1977. "Économies d’échelle dans les opérations des caisses populaires du district de Québec," L'Actualité Economique, Société Canadienne de Science Economique, vol. 53(1), pages 23-43, janvier.
    • Handle: RePEc:ris:actuec:v:53:y:1977:i:1:p:23-43
    as

    Download full text from publisher

    File URL: http://id.erudit.org/iderudit/800710ar
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Baltensperger, Ernst, 1972. "Cost of Banking Activities: Interactions between Risk and Operating Costs," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 4(3), pages 595-611, August.
    2. David A. Alhadeff, 1951. "The Market Structure of Commercial Banking in the United States," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 65(1), pages 62-86.
    3. Caleb A. Smith, 1955. "Survey of the Empirical Evidence on Economies of Scale," NBER Chapters, in: Business Concentration and Price Policy, pages 213-238, National Bureau of Economic Research, Inc.
    4. Benston, George J, 1972. "Economies of Scale of Financial Institutions," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 4(2), pages 312-341, May.
    5. Daniel, Donnie L & Longbrake, William A & Murphy, Neil B, 1973. "The Effect of Technology on Bank Economies of Scale for Demand Deposits," Journal of Finance, American Finance Association, vol. 28(1), pages 131-146, March.
    6. George G. Kaufman, 1967. "Customers view bank markets and services: a survey of Elkhart, Indiana," Staff Studies 37, Board of Governors of the Federal Reserve System (U.S.).
    7. repec:bla:ecorec:v:48:y:1972:i:124:p:570-74 is not listed on IDEAS
    8. Lynn A. Stiles, 1967. "Businesses view banking services: a survey of Cedar Rapids, Iowa," Staff Studies 33, Board of Governors of the Federal Reserve System (U.S.).
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Outreville, J. François & Proulx, Carol, 1985. "Fusions et économies de dimension sur le marché des assurances générales au Québec," L'Actualité Economique, Société Canadienne de Science Economique, vol. 61(3), pages 350-361, septembre.
    2. Green, Christopher & Bai, Ye & Murinde, Victor & Ngoka, Kethi & Maana, Isaya & Tiriongo, Samuel, 2016. "Overnight interbank markets and the determination of the interbank rate: A selective survey," International Review of Financial Analysis, Elsevier, vol. 44(C), pages 149-161.
    3. Allen N. Berger & David B. Humphrey, 1994. "Bank scale economies, mergers, concentration, and efficiency: the U.S. experience," Finance and Economics Discussion Series 94-23, Board of Governors of the Federal Reserve System (U.S.).
    4. Blank, Sven & Buch, Claudia M. & Neugebauer, Katja, 2009. "Shocks at large banks and banking sector distress: The Banking Granular Residual," Journal of Financial Stability, Elsevier, vol. 5(4), pages 353-373, December.
    5. Longworth, John W. & McLeland, W.J., 1972. "Economies of Size in Wheat Production," Review of Marketing and Agricultural Economics, Australian Agricultural and Resource Economics Society, vol. 40(02), pages 1-14, June.
    6. Cassidy, P.A. & McCarthy, W.O. & Toft, H.I., 1970. "An Application Of Spatial Analysis To Beef Slaughter Plant Location And Size, Queensland," Australian Journal of Agricultural Economics, Australian Agricultural and Resource Economics Society, vol. 14(1), pages 1-20, June.
    7. Djelassi, Mouldi & Boukhatem, Jamel, 2020. "Modelling liquidity management in Islamic banks from a microeconomic perspective," Finance Research Letters, Elsevier, vol. 36(C).
    8. Thomas Durkin & Gregory Elliehausen, 1998. "The Cost Structure of the Consumer Finance Industry," Journal of Financial Services Research, Springer;Western Finance Association, vol. 13(1), pages 71-86, February.
    9. Masagus M. Ridhwan & Henri L.F. de Groot & Piet Rietveld & Peter Nijkamp, 2012. "Regional Interest Rate Variations: Evidence from the Indonesian Credit Markets," Tinbergen Institute Discussion Papers 12-073/3, Tinbergen Institute.
    10. Karafolas, S. & Mantakas, G., 1996. "A note on cost structure and economies of scale in Greek banking," Journal of Banking & Finance, Elsevier, vol. 20(2), pages 377-387, March.
    11. John Burgess & Greg Walker, 1982. "Returns to Scale in the Australian Life Insurance Industry: A Comment," The Economic Record, The Economic Society of Australia, vol. 58(3), pages 290-292, September.
    12. Ferguson, D.C. & McCarthy, W.O. & Rodgers, J.L., 1972. "Determining Alternative Locations for Plant Processing Facilities: A Method for Guidance of Policymakers," Review of Marketing and Agricultural Economics, Australian Agricultural and Resource Economics Society, vol. 40(04), pages 1-15, December.
    13. Mine Aysen Doyran, 2012. "Evidence On Us Savings And Loan Profitability In Times Of Crisis," The International Journal of Business and Finance Research, The Institute for Business and Finance Research, vol. 6(1), pages 35-50.
    14. Tadesse, Solomon, 2006. "Consolidation, scale economies and technological change in Japanese banking," Journal of International Financial Markets, Institutions and Money, Elsevier, vol. 16(5), pages 425-445, December.
    15. Guohua Feng & Bin Peng & Xiaohui Zhang, 2017. "Productivity and efficiency at bank holding companies in the U.S.: a time-varying heterogeneity approach," Journal of Productivity Analysis, Springer, vol. 48(2), pages 179-192, December.
    16. Paul Adler, 1983. "Trente ans d'automatisation et coûts opératoires dans les banques françaises," Revue Économique, Programme National Persée, vol. 34(5), pages 987-1020.
    17. D. J. S. Rutledge & R. H. Tuckwell, 1974. "Economies of Scale in Australian Life Insurance: An Empirical Note," The Economic Record, The Economic Society of Australia, vol. 50(3), pages 443-448, September.
    18. Dismukes, David E. & Upton, Gregory B., 2015. "Economies of scale, learning effects and offshore wind development costs," Renewable Energy, Elsevier, vol. 83(C), pages 61-66.
    19. Kozubovska, Mariolia, 2017. "Breaking up big banks," Research in International Business and Finance, Elsevier, vol. 41(C), pages 198-219.
    20. Neuberger, Doris, 1995. "Diversification, collateral and economies of scale in banking: lessons from a continuous-time portfolio approach," International Review of Economics & Finance, Elsevier, vol. 4(3), pages 253-265.

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ris:actuec:v:53:y:1977:i:1:p:23-43. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Benoit Dostie (email available below). General contact details of provider: https://edirc.repec.org/data/scseeea.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.