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首页> 外文期刊>International Journal of Accounting Research >Risk Assets Management, Liquidity Management and Sustainable Performance in Nigeria Deposit Money Banks
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Risk Assets Management, Liquidity Management and Sustainable Performance in Nigeria Deposit Money Banks

机译：尼日利亚存款货币银行的风险资产管理，流动性管理和可持续绩效

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The banking industry is an active participant in the Nigeria Financial markets in building the economy throughthe mobilization of funds from the surplus sector to the defcit sector. Hence, the banking industry has been facingthe challenge of risk asset management which culminated into some debts becoming hardcore, irrecoverable andwrite-off against income, added to the challenge of mismatch of funds leading to liquidity challenge in the face ofrisks assets becoming non-performing. The study evaluated the effect of risk asset and liquidity management onthe sustainable performance of Deposit Money Banks in Nigeria. The study adopted both the ex-post factor andsurvey research methods. The population of this study comprised the Deposit Money Banks operating in the bankingindustry while the samples were three banks in addition to Central Bank of Nigeria as sample representatives.Primary data were used to obtain opinions of respondents while secondary data were used to analyze the actionstaken by the managers. Both descriptive statistics and regression analysis were used for the analyses with the aidof Statistical Package of Social Sciences (SPSS). All analyses were based on level of signifcance 0.05., and fourhypotheses were tested. The fndings showed that there are strong relationships between risk asset management,liquidity management and sustainable performance in Nigeria Deposit Money Banks. With R2 of 0.738, t-statistics of2.526 and p-value of 0.000, non-performing loans have signifcant negative impact on the assets of Deposit MoneyBanks in Nigeria; With R2 of 0.807, t-statistics of 14.755 and p-value of 0.000,low cash deposit has a signifcantnegative impact on the capital of Deposit Money Banks in Nigeria; With R2 of 0.725, t-statistics 11.718 and p-value0.000,non-compliance with CBN’s stipulated cash balance requirement has a signifcant negative impact on theproftability of Nigeria Deposit Money Banks; and with R2 of 0.671, t-statistics of 10.303 and p-value of 0.000,inadequate liquidity management has a signifcant negative impact on the dividend payment of Nigeria DepositMoney Banks. The study concluded that effective risk asset management and liquidity management remain thenuclear of the banking industry to maintain sustainable performance. The study recommended that the regulatoryauthority should enforce compliance with monetary policies; that banks should institute effective and quality riskasset and liquidity management in order to maintain fnancial stability and sustainability.
机译：通过将资金从盈余部门转移到赤字部门，银行业积极参与了尼日利亚金融市场，以建设经济。因此，银行业一直面临着风险资产管理的挑战，最终导致一些债务变得核心，不可追回和冲销收入，加之资金不匹配的挑战，导致面临风险资产不良的资金流动性挑战。该研究评估了风险资产和流动性管理对尼日利亚存款银行的可持续绩效的影响。该研究采用事后因素和调查研究方法。这项研究的人群包括在银行业中运作的存款货币银行，而样本是除尼日利亚中央银行以外的三家银行作为样本代表。主要数据用于征询被调查者的意见，而次要数据用于分析银行采取的行动经理们。借助于社会科学统计软件包（SPSS），描述性统计和回归分析都用于分析。所有分析均基于显着性水平0.05。并检验了四假设。结果表明，尼日利亚存款货币银行的风险资产管理，流动性管理与可持续绩效之间存在密切的关系。 R2为0.738，t统计量为2.526，p值为0.000，不良贷款对尼日利亚的Deposit MoneyBanks资产具有重大的负面影响; R2为0.807，t统计量为14.755，p值为0.000，低现金存款对尼日利亚的存款货币银行的资本产生重大负面影响; R2为0.725，t统计量为11.718，p值为0.000，不符合CBN规定的现金余额要求会对尼日利亚存款货币银行的可转储性产生重大负面影响; R2为0.671，t统计量为10.303，p值为0.000，流动性管理不足会对尼日利亚存款银行的股息支付产生重大负面影响。研究得出结论，有效的风险资产管理和流动性管理仍然是银行业维持可持续绩效的核心。研究建议监管机构应强制执行货币政策;银行应建立有效的质量风险资产和流动性管理，以保持金融稳定和可持续性。

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