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EFFECT OF DEPOSIT MONEY BANKS CREDIT SUPPLY FACTORS ON PRIVATE SECTOR CREDIT FINANCING IN NIGERIA
ABSTRACT
The study examined theEffect of Deposit Money Banks (DMBs) Specific Credit Supply Factors on Private Sector Credit Financing in Nigeria. The main objective of the study was to determine the long run effect of the DMBs Specific Credit Supply Factors on Private sector credit financing in Nigeria. The data used in the study was anannual secondary time series data for the period 1981 to 2015, obtained from the Central Bank of Nigeria (CBN) 2015 Statistical Bulletin. Private sector credit financing, proxied by private sector credit was the dependent variable while the independent variables, which include the two frequently used factors (deposit volume & Liquid assets) and the three rarely used factors (investment portfolio, public sector credit and foreign liability) by studies, constitute the proxies for DMBs Specific Credit Supply Factors. The methodologyused was econometric in nature: unit root test was conducted using Augmented Dickey Fuller (ADF), Co-integration test wasconducted using Johansencointegration test approach, and the long run test conducted utilising vector error correction method (VECM).The findings indicated that while DMBs specific credit supply factors, jointly, in the long run cause and exert significant impact on private sector credit financing inNigeria, only liquid assets and investment portfolio of the DMBs, individually,in the long run cause private sector credit financing in Nigeria; deposit volume, public sector credit and foreign liability didnot. The study, therefore, recommend that DMBs think long term by utilising greater percentage of deposits to meeting the investment needs of the private; reduce their level of credit to the government; and device some ingenious ways of generating more deposit for on-lending. Also, that government guarantees the loan to the private sector, where necessary, to reduce their risk perception by the DMBs; anddirect its relevantregulatory agency tosoftens its strict regulation on foreign liabilities so banks can take advantage of it to improve lending to the private sector.
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