Determinants of Bank Long-term Lending Behavior in the Central African Economic and Monetary Community (CEMAC)

Constant Fouopi Djiogap (constantfouopi@yahoo.fr) and Augustin Ngomsi (a_ngomsi@yahoo.fr)
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Augustin Ngomsi: Faculty of Economics and Management, University of Yaounde II, Cameroon

Review of Economics & Finance, 2012, vol. 2, 107-114

Abstract: This paper studies the determinants of bank long-term loan in the Central African Economic and Monetary Community (CEMAC) context. The study aimed to test the common bank-level and macroeconomics determinants of bank long-term loan behavior. The model used is estimated using a sample of six countries from the CEMAC. We find that a bank¡¯s ability to extend long-term business loans depends on its size, capitalization, GDP growth and the availability of long term liabilities. These results underline the importance of supply side constraints in extending vital long-term credit to firms.

Keywords: Long-term business loans; CEMAC; Bank ¨Clevel determinants; GDP growth (search for similar items in EconPapers)
JEL-codes: G21 G32 O16 (search for similar items in EconPapers)
Date: 2012
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Citations: View citations in EconPapers (18)

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