THE LENDING CONSTRAINTS OF NIGERIAN COMMERCIAL BANKS

Lending is a very important services rendered by commercial banks. The researchers shall critically examine the credit risk that militate against bank lending in Nigeria, we shall equally book in to the central bank of Nigeria (CBN) credit guideline its directives on lending as regard sectarian allocation. Besides, the securities required of the customers as a constraint to bank lending will also be looked at. Also, the effect of security or collateral provision on loan disbursement and repayment will be looked at and dealt with. In addition, we will bring to book the effect of society and general economy on loan disbursement and repayment by commercial banks and the possible solutions high lightened.