The needs from corporates to finance higher Capex or other corporate transactions will support demand side growth. Further bank consolidation will also support credit growth. The gradual tightening of monetary policy is unlikely to significantly restrain credit growth. On the contrary, higher interest rate may boost bank credit to enhance bank profitability. Loans and leases in Bank Credit of all commercial banks in US also suggest an ongoing growth trend in bank credit, which means corporates will still have easy access to debt markets to finance their capital needs.