Determinants of bank credit growth in Nigeria 1980-2010
Determinants of bank credit growth in Nigeria 1980-2010
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1980-2010 年尼日利亚银行信贷增长的决定因素
DOI：
10.14207/ejsd.2015.v4n1p23
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发表时间：
2015
影响因子：
1
通讯作者：
I. Oni
中科院分区：
文献类型：
--
作者：
A. Akinlo;I. Oni
本文利用误差修正建模技术分析了1980-2010年期间影响尼日利亚私营部门银行信贷的主要因素。结果表明，广义货币、周期风险溢价和流动性比率倾向于增加对私营部门的信贷。然而，优惠贷款利率和存款准备金率导致私人部门信贷减少。私人信贷随着通胀而增加，但不是一对一的，这意味着通胀往往会抑制银行对私人部门的实际信贷。关键词：信贷增长；银行业；行业；
The paper analyses the dominant factors influencing bank credit to private sector in Nigeria over the period 1980-2010 using the error correction modeling technique. The results show that broad money, cyclical risk premium and liquidity ratio tend to increase credit to the private sector. However, prime lending rate and reserve ratio lead to a reduction in credit to the private sector. Private credit increases with inflation, but not one to one, meaning that inflation tends to dampen real bank credit to the private sector. Key Words : credit growth, banking sector, industry, error correction model.