Commercial Banks Lending And Economic Development

ABSTRACT Commercial banks are profit-making ventures and as such they share with the other business the same set of expectations concerning the health of the economy. It is in this light that they make loans available to borrowers on interest, which is a source of profit to them. So the purpose of this study is to know how fair the commercial banks lending has contributed to the development of the economy. In order to achieve the objectives, the writer set forth hypothesis that has been tested with chi-square. The information requirement for this research were generated from secondary data and primary sources through the use of questionnaire. Commercial banks been confronted by a lot of problems which made them not to be up and doing towards lending as revealed by the writers analysis made some recommendation among others. 1. The bank draft should be used for professional valuation of the property being offered as collateral and perfecting the legal mortgage of the property. 2. The ability to conduct a fruitful interior is crucial to the success of every bank manager and lending officer. 3. Men of high level of integrity should be officers of the commercial banks, who receives gratification from customers in order to file in false reports about project viability.
TABLE OF CONTENTS Abstract Table of content
CHAPTER ONE 1.0Introduction 1.1Statement of problem 1.2Purpose of the study 1.3Significance of the study 1.4Statement of Hypothesis 1.5Scope of the study 1.6Definition of terms References
CHAPTER TWO 2.0Literature review 2.1Historical Background of commercial banking in Nigeria, operation/Bank lending. 2.2The history of lending/concept of lending. 2.3Lending principles and practices 2.4Constraints to commercial banks lending  2.5Environmental influences of comm. Banks lending. 2.6Background of Nigeria economic development  2.7Commercial bank lending and economic development  2.8Commercial banks lending and small scale enterprise 2.9Management of lending.
CHAPTER THREE 3.0Research design and methodology 3.1Sources of data: 3.2Sample plan 3.3Method of investigation.
CHAPTER FOUR 4.0Presentation of data and data analysis 4.1Date presentation and analysis 4.2Test of hypothesis
CHAPTER FIVE 5.0Summary of findings, conclusion and recommendation.70 5.1Findings 5.2Conclusion 5.3Recommendation
BIBLOGRAPHY Questionnaire Appendix