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首页> 外文期刊>International Journal of Finance and Accounting >Rethinking Banks Corporate Social Responsibility (CSR) in Nigeria
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Rethinking Banks Corporate Social Responsibility (CSR) in Nigeria

机译：重新思考尼日利亚的银行企业社会责任（CSR）

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The Nigerian economy is faced with a multiplicity of challenges ranging from high unemployment rate, poverty, corruption, youth restiveness, security and political crises which threatens investments, economic growth and the goal of the Nigerian banks to be the financial hub of Africa in the year 2020 as well as the nation’s goal to be one among the top 20 largest economies in the world by the year 2020. Since banks provide linkages to all sectors of the economy, there is need for the Nigerian banks to rethink Corporate Social Responsibility (CSR) in all the key sectors (such as education, power, health, agriculture, and small and medium-sized enterprises) of the economy. This study examines how socially responsible is the Nigerian banks in addressing these challenges and enhancing the economic growth of Nigeria through Small and Medium Scale Enterprises (SMEs) financing, which is one of the key sector that can drive the economic growth of the nation. Using the data on commercial banks loans to SMEs provided by the CBN statistical bulletin for the period of ten years (from 2001-2010). The results of the descriptive statistics and sample t-test shows that, bank consolidation in Nigeria has led to a decline in SMEs financing to less than one percent on average in the study period, and there is no significant improvement in SMEs financing in Nigeria before and after bank consolidation. This clearly indicates that Nigerian Banks are not committed to their CSR (economic responsibilities) of financing to SMEs which is critical in mitigating these economic challenges and enhancing economic growth. The study recommends among others that, there should be further diversification in SMEs financing. In order to improve the CSR of Nigerian banks, there is also the need for banks to help in the training of SMEs owners as a matter of necessity on the need to maintain proper accounting records in the country.
机译：尼日利亚经济面临着诸多挑战，包括高失业率，贫困，腐败，青年复兴，安全和政治危机，这些挑战威胁着投资，经济增长以及尼日利亚银行成为当年非洲金融中心的目标2020年以及该国的目标是到2020年成为世界前20大经济体之一。由于银行与经济的所有部门建立了联系，因此尼日利亚银行需要重新考虑企业社会责任（CSR）经济的所有关键部门（例如教育，电力，卫生，农业和中小企业）。这项研究探讨了尼日利亚银行通过中小企业融资来应对这些挑战和促进尼日利亚经济增长的社会责任感，中小企业是推动国家经济增长的关键部门之一。使用CBN统计公告提供的十年（从2001年至2010年）商业银行对中小企业的贷款数据。描述性统计结果和样本t检验的结果表明，在研究期间，尼日利亚的银行合并导致中小企业融资平均下降到不到1％，并且尼日利亚的中小企业融资在此之前没有显着改善以及银行合并之后。这清楚地表明，尼日利亚银行不致力于为中小企业融资的CSR（经济责任），这对于缓解这些经济挑战和促进经济增长至关重要。该研究建议，除其他外，中小企业融资应进一步多样化。为了改善尼日利亚银行的企业社会责任，也有必要根据需要在该国维护适当的会计记录，以帮助银行对中小企业所有者进行培训。

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