BANKING REGULATION AND THE PERFORMANCE OF THE NIGERIA BANKING INDUSTRY (1990-2006). A RESEARCH PROJECT MATERIAL ON BANKING AND FINANCE
ABSTRACT
This study is intended to evaluation the effect of banking regulation on the performance of the Nigeria banking system from 1999-2006. Since bank failure and distress may result in server monetary contraction and dislocation of the real economy making people to loss confidence in the banking system. This brings about supervision and regulation of banks in order to improve the performance of the banking industry.
The objective of undertaking this research therefore includes the following.
To find out the necessarily to regulate banks
To find out the necessity to regulation/ guidance on the operations and performance of the banking industry and to find out the feeling of bank personnel concerning there regulation.
The hypothesis used in the work are as follows:
Ho: It is not necessary to regulate banks
Hi: It is necessary to regulate banks
Ho: Banking regulations/guidance have no posture impact on the
performance of the Nigeria banking system.
Hi: Banking regulations/guidance have a posture impact on the
performance of the Nigeria banking system.
Primary and secondary sources of data were in writing this research work the methodology used is the chi-square model and the operative assumption used are degree of freedom given as (R-DCc-1) and level of significance is 5%.
Form the analysis the following awning other were the finding.
Regulation of the banking system in Nigeria are desirable of the in that their implementation will sanitize the banking system and improve their performances in the long run secondary many of the old banks that are heavily burdened with bad and doubtful debts have begun to bear the effects in different degree of the implementation of this regulatory guideline.
Based on the findings the following among other were recommended. Government should embark on feature regulation and deregulation of the banking system. When necessary or distress this banking regulation/guideline should be backed with sanctions.
CHAPTER ONE
INTRODUCTION
1.1 BACKGROUNDS OF THE STUDY
Confidence is the pillar or pivot around which banking revolves. Hence lack of confidence by depositor in the stability of a bank can lead to serious problem for such a bank. Official concern for the stability of bank failure may result is server monitory contractions and dislocation of the real economy.
Therefore this given rise to the supervision regulation of banks in order to improve the performance of the banking industry.
The government considers an affective system of matter of matter of first importance. The primary role is to reduce the risk of capitals loss to the depositor. In this way supervision also perform a wider role by stability the whole banking regulations play in the effective management of banks in order to improve their performance led the monetary authorities to issue guideline for licensed banks and their auditors in November 1990.
Leave a Reply
You must be logged in to post a comment.