expansion of credit system
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The discrepancy could be explained by the spending of money borrowed in 2010 but idled since then, and credit expansion outside the banking system.
其差异可以由以下两个原因解释，其一，2010年已签订贷款合同但尚未正式启用的那部分贷款；其二是银行体系之外的信贷扩张。
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