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国内外理论研究表明,银行贷款与经济增长是相互作用的,贷款增长既是经济增长变化的原因,又是它的结果。经济增长需要资金支持,引发了贷款需求,GDP的规模越大,贷款需求越大。贷款增长反过来又促进了经济增长,贷款调剂了资金余缺,缓解企业和消费者的流动性约束,增大投资和消费需求,并扩大了生产能力,进而推动了增长。信贷增长与经济增速密切相关贷款余额与GDP总量走势保持基本一致1980～2009年,
Theoretical studies at home and abroad show that bank loans and economic growth interact with each other. Loan growth is both a cause of changes in economic growth and as a result of this. Economic growth requires financial support, triggering loan demand, the larger the size of GDP, the greater the demand for loans. Loan growth in turn contributed to economic growth. Loans adjusted for lack of funds, ease liquidity constraints for enterprises and consumers, increased investment and consumer demand, expanded production capacity and further boosted growth. Credit growth and economic growth are closely related to the balance of loans and GDP remained basically the same 1980 ~ 2009,