Positive Study on the Effect of Bank Credit to Three Industrial Increases

Bank is the prime motor of economic growth. By empirical study on the bank effect to the three industrial increases,the author found that the has made greater contribution rate to the secondary industry than to the primary industry,and also,the bank still can not make an explanation tertiary industry's increase. By analyzing the cause,it is mainly affected by industrial characteristic,financing channel,bank policy,credit preference,and so on. Then the author gave some suggestion about this. That is,to keep the increase healthily and steadily,avoiding putting to an extreme; Adopting different policy for different industries; Build the Risk Reserves system specifically for the first tertiary industry; Build Community Credit Association and Community guarantee institutions for small and Middle-sized Enterprises; Encourage the bank innovate a more effective guarantee mode,and pay more attention to the non-finance facts; Explore feasible credit + insurance system actively according to industry properties.