Макроэкономические показатели и просроченные кредиты банков в Нигерии

Банковский сектор имеет огромное значение для любой экономики. Однако неработающие (просроченные) кредиты нигерийских банков вызывают беспокойство за экономику и финансовую стабильность, что может быть связано с влиянием макроэкономических факторов на банковскую деятельность в стране. Целью данного исследования стало изучение взаимосвязи макроэкономических переменных и проблемных кредитов банков Нигерии. Для исследования использовался описательный метод. Вторичные данные были получены за период с 1990 по 2021 г. Данные были проанализированы с использованием модели авторегрессии и распределенного лага (ARDL). Результаты исследования показывают, что налоговые поступления, текущие расходы и реальная процентная ставка в долгосрочной перспективе решают проблему неработающих кредитов банков Нигерии. В то же время денежная масса и обменный курс, если ими не управлять должным образом, могут усилить негативное влияние неработающих кредитов. В результате исследования был сделан вывод о том, что макроэкономические факторы при правильном подходе помогут сгладить проблему роста неработающих кредитов в Нигерии.

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