经济增长是一国或地区最重要的目标,只有长期的经济发展才能提升全民的福祉和生活水平。消费是生产的出发点,同时也是最终的归宿。采用离散选择模型对经济增长与短期消费信贷和长期消费信贷的关系进行分析,结果表明,长期消费信贷对经济增长的拉动效应较明显,有效地发挥和挖掘消费信贷带动的长期消费对扩大内需和经济健康稳定发展至关重要。 Economic growth is the most important goal of a country or region. Only long-term economic development can enhance the well-being and living standards of all people. Consumption is the starting point of production, but also the ultimate destination. The results show that the effect of long-term consumer credit on economic growth is more obvious and the long-term consumption-driven long-term consumption is more effective in boosting domestic demand and promoting long-term consumption. Healthy and stable economic development is of paramount importance.