河南省金融发展滞后,信贷对经济发展的重要作用尚未得到有效发挥。基于VAR模型对河南省信贷与经济增长关系进行实证分析,结论认为:河南省信贷与经济增长之间存在长期稳定均衡关系,信贷规模对经济增长的拉动作用很弱,信贷结构与信贷效率对经济增长的作用相对较强;河南省信贷与经济增长之间因果关系存在非对称性,信贷规模与经济增长之间是双向因果关系,信贷结构、信贷效率分别与经济增长之间是单向因果关系;河南省经济增长对信贷规模、结构与效率的脉冲响应存在差异,对信贷规模的响应较弱,对信贷结构、信贷效率的响应较强。 The financial development in Henan Province lags behind and the important role of credit in economic development has not yet been brought into full play. Based on the empirical analysis of the VAR model on the relationship between credit and economic growth in Henan Province, the conclusion is that there is a long-term and stable equilibrium relationship between credit and economic growth in Henan Province, the effect of credit scale on economic growth is very weak, the effect of credit structure and credit efficiency on economy There is asymmetry in the causal relationship between credit and economic growth in Henan Province, two-way causal relationship between credit scale and economic growth, and one-way causal relationship between credit structure and credit efficiency and economic growth respectively ; Henan Province’s economic growth impacted the impulse response of credit scale, structure and efficiency with a weak response to credit scale and strong response to credit structure and credit efficiency.