Bank Credits: An Aid to Economic Growth In Nigeria

Bank Credits: An Aid to Economic Growth In Nigeria
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银行信贷：对尼日利亚经济增长的援助

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发表时间：
2013
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通讯作者：
Ozurumba Benedict Anayochukwu
Ozurumba Benedict Anayochukwu
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作者：
A. C. Onuorah;Ozurumba Benedict Anayochukwu

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本文探讨了银行信贷对尼日利亚经济增长的必要性，考察了尼日利亚银行信贷与经济增长之间的关系。然而，与银行信贷便利相关的问题是CBN对给予企业家的信贷比例施加的约束和监管。该研究使用了1980年至2011年期间银行信贷部门分布的二手数据，如生产、一般商业、服务和其他部门。运用诊断检验、单位根检验、协整Var模型、因果检验等统计技术，对变量的稳定性函数、平稳性、变量关系和因果效应进行了统计检验，结果表明，变量的时间序列性质是平稳性的，且至少有2个co积分方程。研究还表明，生产银行信贷总量（TPTBKC）、一般商业银行信贷总量（TGCBKC）、服务银行信贷总量（TSCBKC）、其他银行信贷总量（OTHBKC）等银行信贷指标对GDP并没有格兰杰影响，而是GDP对其产生影响。更重要的是，作为经济中可持续的关键角色，银行信贷措施与国内生产总值之间的短期关系已经退出，因此建议对银行信贷活动进行全面监督和全面审查，以鼓励尼日利亚的投资者促进经济增长。关键词：银行信贷，经济增长，行业分布，生产，一般商业。
This paper explores the necessity of bank credit and economic growth of Nigeria, the paper examines the relationship between bank credit and economic growth in Nigeria over the period under review. However the problem associated with bank credit facility is the constraint and regulation imposed by CBN on the percentage of credit to be given to the entrepreneurs. The study used Secondary data from  banks credit on sectorial distribution such as production, General commerce, services and others were spread across the period 1980- 2011. Various statistical technique such as  Diagnostic test, Unit root,  co-integration Var model and Casuality test are statistically used to test the stability function, stationary properties, variable relationship and casuality effect of the variable and the result revealed that the time series properties of the variables are stationary and co integrated at most 1 with at least 2 co integrating equation. The study also showed that all the  bank credit measures such as Total Production Bank Credits (TPTBKC), Total General Commerce Bank Credits (TGCBKC), Total Services Bank Credit (TSCBKC), and Other Banks Credit (OTHBKC) did not granger cause GDP instead GDP exerted influencing factor on them. More so, short run relationship exited between bank credit measures and GDP as sustainable key player in the economy It therefore recommended total supervision and over haul of the banks credit activities towards encouraging Investors in Nigeria for economic growth. Key words: Bank credits, Economic Growth, Sectorial Distribution, Production, General Commerce.