本研究探討天津1981年至2010年間，經濟成長與銀行放款間的關係。除了將銀行分為中資銀行及外資銀行兩類外，並且將外資直接投資因素納入考慮，檢視其在銀行放款與經濟成長間所扮演的角色。運用VECM模型實證結果發現：中資銀行及外資銀行的放款與天津市經濟成長呈現正向相關，前者效果會受到後者的影響而提升；後者與外資直接投資亦呈現正向相關，同時，證實了外資銀行「客戶追隨理論」可適用於天津。

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三、網際網路
1.天津智庫(2012),《天津市金融改革創新和金融業發展備忘錄》,<http://www.
022net.com/2011/7-1/522660112821489.html>.
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