1. Reasons for the rapid growth of commercial bank loans (1) The city is vigorously building, and the industry and real estate are abnormally developing. China is a developing country and is in the process of urbanization. With the rapid development of urbanization and industrialization, a lot of loan funds are needed.

2. Policy Suggestions for Excessive Loan Growth of Commercial Banks (1) Commercial banks should improve their risk awareness and loan decision-making level. Although domestic commercial banks have gradually strengthened their awareness of the dangers, they still seriously lack awareness of the dangers brought about by excessive loan growth, which needs to be strengthened.