ORA-22979: cannot INSERT object view REF or user-defined REF
Cause : Attempt to insert an object view REF or user-defined REF in a REF column created to store system generated REF values"
Action - How to fix it : DBA Scripts :: www.high-oracle.com/scripts
Make sure the REF to be inserted is not from an object view or from a user-defined REF column
Well, the reason for above error is that i have taken the above script from a 11g database and running it on 10g database. 11g has bring some changes in password management. Below code is executed on 11g and user created successfully, which is expected result.