Sunday, 31 July 2016

An Apprasal Of Credit Creation Policy Of Deposit Money Banks In Nigeria


The ability of the bank (bank of north, bun) to operate successfully depends to a large extent on the proper and efficient administration of the bank activities for it to achieve its main aims and objectives. a commercial bank like “ bank of the north, is like any other bank that transacts business with its customers as regard acceptance of deposit, financial business advices to its customers. A commercial bank is a bank owned by shareholders of the bank. There is a general misconception between the functions of commercial banks and that of other banks are banks like the merchant banks.

 

TABLE OF CONTENT.
Title page                                                                         
Certification                                                                     
Dedication                                                                       
Acknowledgement                                                            
Table of contents                                                             

CHAPTER ONE
INTRODUCTION
1.1      Background of the study
1.2      Problems of the research study
1.3      Objectives of the study
1.4      Scope and limitation of the study
1.5      Definition of terms

CHAPTER TWO
LITERATURE REVIEW
2.1   Definition and origin of commercial bank in Nigeria
2.2   Functions of bank of the north in commercial bank
2.3   Functions of the money
2.4   The problem of money creation faced by bank of the north
2.5   The Nigeria financial system and policies
2.6   Sources of funds for commercial banks

CHAPTER THREE
RESEARCH METHODOLOGY
3.1   Discussion of the main issue
3.2   Brief historical background of the bank of north Nigeria plc
3.3   Primary data
3.4   Personal interview
3.5   Population and sampling techniques

CHAPTER FOUR
DATA PRESENTATION AND ANALYSIS
4.1   Presentation and analysis of data
4.2   Hypothesis testing

CHAPTER FIVE
SUMMARY, CONCLUSION AND RECOMMENDATIONS
5.1   Summaries
5.2   Conclusions
5.3   Recommendations 

CHAPTER ONE
INTRODUCTION
1.1      BACKGROUND OF THE STUDY
Commercial banks are banks which are mainly established to assist the individuals and private organizations in both rural and urban areas to invest by making financial advices and credit facilities available to the individuals and private organizations.


While merchant banks are mainly whole sale bank. They operate solely in urban centers and only give help to finance investments by way of leasing of property to finance such as finance houses and companies.

The money creating functions of the commercial bank is a function which is peculiar to our case study i.e. bank of the north. It is one of those commercial banks that operate mostly in the Nigerian economy which performs such functions that entail the development of the economy.

In this study, the researcher will highlight the role of the ban in the next century. This included its primary functions of monetary and credit policies and to maintain the growth in domestic liquidity at a level that will curtail the role of inflation at a single digit so as to enhance private savings and investment, ensures exchange rate stability and private support for output and employment growth. the central bank of Nigeria (CBN)

Has applied instruments to limit the growth of broad money supply (MS) to not more than 15.0% during the fiscal year. The position of monetary policy will be relatively restrictive, to this end, commercial banks are to maintain a cash ration of 8.0% and minimum liquidity ratio for both commercial and merchant banks that is currently fixed at 30.0% is retained for 2004, but will accommodate adequate bank credit expansion too the private sector to enhance domestic productivity.
  • 1.2      STATEMENT OF PROBLEM

Credit creation is an important tool in business organization. It is also one of the major aspects of financial resources planning and control, the techniques that ensure expected adequate needs of the organization. Some of this organization doesn’t have credit departments, which is saddled with the responsibility of preparing budget statement for each unit, department and branches of the budget estimates with the purpose of ensuring that the expenditure does not exceed the estimates.
  • 1.3      OBJECTIVE OF THE STUDY

The aim of this research work is to ascertain, elaborate and define the role of commercial banks and regard credit creation in the economy. The following are some of the importance:
To know the important roles commercial banks can play in both rural and urban centers
To study more about the operations and performance of commercial banks with a focus on bank of the north.
To know the distinction between commercial banks and other financial institutions such as merchant 
  • 1.4      SCOPE AND LIMITATION OF THE STUDY

This study is limited to the operations and performance of commercial banks to a selected bank. Bank of the north branch office Abuja. The researcher will use whatever result generated as a proxy for all other banks. The study would only cover the activities of the commercial banks in Nigeria and the problems facing them. The researchers in the course of writing the final research draft amongst such limitations are


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