Credit growth refers to a credit credit phenomenon formed when the borrower's borrowing amount and the total loan amount of the credit institution are gradually increasing. As economic development and consumer demand increase, credit demand is gradually increasing, causing credit growth to become a common phenomenon. However, when conducting credit growth, it is also necessary to pay attention to risk control to avoid risk problems caused by excessive credit growth.

Credit growth can promote economic development to a certain extent. By providing loans through credit institutions, borrowers can obtain more funds for consumption and investment, thereby promoting economic activities. For some emerging industries, small and medium-sized enterprises, etc., they often need to rely on credit to obtain investment funds in the initial stage, so credit growth is of great significance to these enterprises.

However, when increasing credit, you also need to pay attention to risk control. Excessive credit growth can lead to bubbles in financial markets and even financial risks. In addition, when borrowers and lenders consider credit growth, they also need to examine the reasonableness of the purpose of the borrowing. If the borrower uses it improperly, credit growth will become a tool for making huge profits using credit, thus breeding social conflicts.

Therefore, credit growth should be carried out on the premise of being reasonable and effective. As a consumer, you should choose credit products that meet your personal financial capabilities and avoid excessive borrowing. As a financial institution, you should pay more attention to risk control and focus on the review of loan purposes to avoid risks to society due to negligence.