Achaya (2007) studied the determinants of loans and advances in the Nigerian financial system using data from 1970 to 2006. Secondary data collected from the reports Central bank annual reports were analyzed to confirm the appropriate relationship between commercial bank loans and advances (dependent variable) and the determinants (independent variables). Multiple regression analysis was performed to determine the relationship between the dependent and independent variables. Although the results show that there is an inverse relationship between the liquidity ratio and the interest rate, they confirm that there is a positive relationship between the dependent variable and the capital base, as well as with deposits banking. Significance tests show that all included explanatory variables were significantly different from zero. The study therefore recommends that the new capital policy of the monetary authority is in the right direction and will also boost the sector and that lending rates should be moderated to reflect market forces in the real sense. Olokoyo (2011) examines the predictors of lending behavior. Nigerian banks. The study considers deposit volume, currencies, investment portfolio, lending interest rate, liquidity ratio, minimum cash reserve rate and gross domestic product as explanatory variables. Using time series data for the period 1980 to 2005, vector error correction estimates indicate that while the coefficients of foreign exchange, investment portfolio, deposits and liquidity ratio have significant impacts on the volumes of loans, the coefficients of lending rate and minimum cash reserve ratio were insignificant, implying that monetary policy instruments do not affect bank lending...... middle of paper...... banking level and macroeconomic determinants of banks' long-term lending behavior. The regression model used is estimated from a sample of six CEMAC countries. To explain the bank-level cross-sectional variability in the long-term corporate loan ratio, explanatory variables were selected drawing on the existing general literature on bank lending behavior. More specifically, the study takes into account bank size, capitalization, liability structure, risk taking, ownership type, inflation and gross domestic product (GDP) growth. The results of the study indicate that the ability of banks to provide long-term loans to businesses depends on their size, capitalization, GDP growth and the availability of long-term liabilities. These results highlight the importance of supply-side constraints in providing vital long-term credit to businesses..