由于经济周期，贷款与GDP的比并不总是呈直线增长，但从更长期看增长势头并不是不可避免。
Credit relative to GDP, then, does not grow in a straight line, thanks to the economic cycle.But even in the longer term a rising trend is not inevitable.
同时也带来一个问题：产品、销售额与分销渠道均显著增长，但产品的生命周期却缩短了。
Adding to the problem: products, sales and distribution channels all have proliferated, and the life spans of products have gotten shorter.
由于经济周期，贷款与GDP的比并不总是呈直线增长，但从更长期看增长势头并不是不可避免。
Credit relative to GDP, then, does not grow in a straight line, thanks to the economic cycle. But even in the longer term a rising trend is not inevitable.
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