本文对陕西省1978—2010年间贷款余额与经济增长的时间序列数据进行了协整检验和格兰杰因果检验。结果表明,陕西省信贷支出与经济增长之间存在长期的稳定关系,信贷支出是经济增长的格兰杰原因,而经济增长对信贷支出的作用并不显著。最后,根据检验结果提出了相应的政策建议,以使信贷政策能够更好的为经济发展服务。 In this paper, cointegration test and Granger causality test are conducted on the time series data of loan balance and economic growth in Shaanxi Province from 1978 to 2010. The results show that there is a long-term stable relationship between credit expenditures and economic growth in Shaanxi Province. Credit expenditures are Granger causes of economic growth, while economic growth does not have a significant effect on credit expenditures. Finally, based on the test results, we put forward the corresponding policy recommendations so that credit policies can better serve the economic development.