居民个人消费信贷与经济增长的实证研究

Research on the Relation between Consumer Credit and Economic Growth

本文对我国居民个人消费信贷总量与GDP增长的关系进行了实证研究。应用协正理论建立误差修正模型的实证检验分析结果表明，随着居民个人消费信贷近年来的飞速发展，居民个人消费信贷已经同我国的经济增长确立了稳定的长期正向关系，居民个人消费信贷的发展在一定程度上促进了我国经济的增长。

This paper uses error correction model to do empirical research about the relation between consumer credit amount and GDP growth in China. The results show that with the rapid expansion of consumer credit in the current years, it has established a long stable relationship with Chinese GDP growth, the growth of consumer credit amount improves economic growth to some extent.