1、2000单词， 10500英文字符， 3000汉字 出处： Alabi R O. The Impact of Credit Policy on the Performance of Nigerian Commercial Banks J. International Finance and Banking, 2014, (2): 40-56. http:/w ww.w 原文 The Impact of Credit Policy on the Performance of Nigerian Commercial Banks Alabi R O Abstra
2、ct The major financial intermediary in any economy is the bank. As financial intermediaries, banks provide means by which funds can be transferred from the surplus unit of the economy to the deficit unit. This role is performed primarily through the acceptance of deposits of different categories and
3、 characteristics for onward lending to the numerous customers by way of loans and credits. The study tries to access the impact of credit policy on the performance of Nigerian Commercial Banks using Zenith Bank Plc as case study. Primary data were collected through questionnaires served on sixty (60
4、) respondents (staff: 32 and customer: 28) of the bank. The questionnaires were analysed with the use of chi-square (X 2). The findings from the study show that having a good credit policy in place goes a long way in minimizing the incidence of bad debts. It was also discovered that prudent credit a
5、ssessment and disbursement, dynamic credit monitoring and decisive actions when there are warning signals, have all helped the bank to maintain a high quality of assets and a high level of profitability. Keywords: Advance, Overdraft, Credit policy, Collateral 1. Introduction The economic development
6、 of any country depends largely on the amount of investible funds available to her and the efficiency of her financial intermediaries to mobilize such funds from savers who have no immediate use of it and distribute to investors who need funds for productive purposes. One of the major intermediaries saddled with this task is the bank (Ojo et. al, 1982). Banking as a service industry is organized to make profit for the owners, (the shareholders), through the provision
