You have no items in your shopping cart.
ABSTRACT
This study examines the empirical analysis of the determinants of bank credit creation in Nigeria. The objective of the study is to examine some major determinants of commercial bank credit creation practices and their effect on bank credit creation in the face of Nigeria economic changes, the determinants used in this study are interest rates, inflation and gross domestic product(GDP). This study employed secondary data obtained from CBN statistical bulletin and annual reports from years 1980 to 2014. The data was analyzed using the multiple regression analysis of the ordinary least square method. The result showed that interest rates and inflation do not affect bank credit creation in Nigeria, but GDP affects bank credit creation in Nigeria. Hence, commercial banks should develop standard credit procedures, policies and bank supervisors/regulators should formulate good regulatory plans in order to encourage better lending conditions of commercial banks in Nigeria.
