Impact Of Commercial Banks Credit On Nigeria’s Export Trade

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Abstract

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Brief Introduction

The roles of commercial banks in our modern economy cannot be over-emphasized, commercial banks in Nigeria as a financial institution helps in financing the exporting sector of the economy, by lending out short-term loans to those into manufacturing, exporting, trading and industries.

Lack of bank credit (loan and advances) in our economy has brought about a low rate of economic growth and diversification of most industries in Nigeria. The availability of bank credits to those in trade determines what is produced and how much of that product is produced. Therefore, commercial banks perform their important role of financial assistance by rendering important services by granting (loans and advances) to various sectors of the Nigerian economy.

Commercial banks support the economy by serving the credit needs of their customers and providing a safe place for the cash balance. Of individual credit activities on the export sector of the Nigerian economy, there are general statements that guide or channel actions in decision making about the export sector advance and investment of commercial banks.

Every year, the Central Bank as part of its duty in controlling monetary policy publishes credit policy guidelines for the fiscal year.

Table of Contents

Abstract
CHAPTER ONE
1.1 Introduction
1.2 Statement of Research Problem
1.3 Objectives of Study
1.4 Hypothesis of the Study
1.5 Significance of the Study
1.6 Limitation of the Study
1.7 Methodology of Research
1.8 Organization of the Study

CHAPTER TWO: LITERATURE REVIEW
2.1 Introduction
2.2 Commercial Bank Credit
2.3 Commercial Bank Instrument of Credit
2.4 Lending Principles and Policies of Commercial Banks
2.5 Factor that Affects Commercial Bank Credit to Export
2.6 The Need for International Trade
2.7 Brief Survey of Development of Export Credit in Nigeria
2.8 The Concept of Export Promotion and Economic Growth
2.9 How Bank Credit is Going to Export Trade
2.10 The Contribution of Banks to Nigeria Export Trade

CHAPTER THREE: THEORETICAL FRAMEWORK AND MODEL SPECIFICATION
3.1 Introduction
3.2 Factors that Determine the Volume of Export Trade
3.3 Model Specification

CHAPTER FOUR: PRESENTATION AND INTERPRETATION OF REGRESSION RESULT
4.1 Presentation of Regression Results
4.2 Interpretation of Table
4.3 Policy Implication

CHAPTER FIVE: SUMMARY, CONCLUSION, AND RECOMMENDATION
5.1 Summary of Findings
5.2 Conclusion
5.3 Recommendation
Bibliography
Appendix