Les Déterminants De La Demande De Crédit Bancaire Au Cameroun System
Charles Alain Bita, Ousseini Kalle, Philémon Votsoma

The banking financing represents a major stake for the economic emergence of Cameroun at the time when the government aid with the development and the granting of the loans to the developing countries tend to decrease (Severino and Ray, 2011). This work contributes to the identification of the factors which justify the entreprises to request the bank credit in Cameroun. It is a question of clarifying the explanatory macroeconomic elements of the request of the bank credit. With this intention, we use data covering the period 1980-2014. Using the method of the least ordinary cross-sections, the econometric investigations revealed that in the long run and short term, the economic growth rate affects the banking application for credit positively. On the other hand, the spread of the rates on the banking markets influence the banking application for credit negatively. In addition, the rate of inflation and the rate of investment are not significantly associated at the request of bank credit. Thus, measurements of economic policy will have to be centered on: a reinforcement of the services of banking offer (light reduction of the debtor interest rate) favorable at the request of credit in order to booster rocket the level of investment private. However, it is also necessary to encourage the banks camerounaises to grant long-term credits while preserving their preference of profit resulting from the creation of the value of the banks.

Full Text: PDF     DOI: 10.15640/jeds.v5n1a1