Impact of Bank Lending on Economic Growth in Nigeria
Impact of Bank Lending on Economic Growth in Nigeria
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银行贷款对尼日利亚经济增长的影响
DOI：
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发表时间：
2014
期刊：
影响因子：
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通讯作者：
Y. Hashim
中科院分区：
文献类型：
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作者：
A. Mamman;Y. Hashim
在尼日利亚，银行业是金融体系的重要组成部分。银行业在尼日利亚金融体系中占主导地位，占该体系总资产的90%左右。然而，银行业并没有像预期的那样对尼日利亚经济的增长和发展做出重大贡献。该部门业绩不佳是由于该部门面临的许多问题，如资本不足、不良资产高，这导致该部门经常陷入困境，以及过去的银行倒闭。本研究旨在考察银行贷款对尼日利亚经济增长的影响。此外，本研究的目的是研究银行贷款对尼日利亚1987年至2012年期间经济增长的影响。本研究纯粹依靠二手数据，并使用多元回归模型，研究发现，银行贷款约占82.6%的变化，在尼日利亚的经济增长在研究期间。该研究的结论是，银行贷款对尼日利亚的经济增长有统计上的显著影响。这表明，尼日利亚经济的表现受到银行贷款的极大影响。该研究报告建议，尼日利亚的联邦政府应通过尼日利亚中央银行（CBN）加强银行业，以确保改善对活动部门的信贷流动，因为它在创造和促进经济增长方面具有战略重要性。关键词：银行贷款，经济增长，金融体系，银行，银行业，尼日利亚经济，国内生产总值（GDP）
In Nigeria, the banking sector is an important part of the financial system. The banking sector dominates the Nigerian financial system as it accounts for about 90% of the total assets in the system. However, the banking sector has not contributed significantly to the growth and development of Nigerian economy as expected. The poor performance of the sector has been attributed to numerous problems that faced the sector such as inadequate capital, high nonperforming assets which had led to frequent distress in the sector and collapse of banks in the past. This study is carried out to examine the impact bank lending on economic growth in Nigeria. In addition, the objective of this study is to examine the impact of bank lending on economic growth in Nigeria for the period 1987 to 2012. This study relies purely on secondary data, and using multiple regression model, the study find out that bank lending accounts for about 82.6% variation in economic growth in Nigeria for the period under study. The study concludes that there is a statistically significant impact of bank lending on economic growth in Nigeria. This, suggest that the performance of the Nigerian economy is greatly influence by bank lending. The study recommends that the federal government of Nigeria through the central bank of Nigeria (CBN) should strengthened the banking sector to ensure an improve credit flow to the activity sectors because of its strategic importance in creating and generating growth of the economy. Keywords: Bank lending, economic growth, financial system, banks, banking sector, Nigerian economy, Gross Domestic Product (GDP)