Money under lockAslan Alphan/Getty Images The banking turmoil has spawned a new worry for investors: a credit slump that's threatening the economy. Latest bank lending data suggests the credit crunch "has already started," according to Morgan Stanley strategists. Here's a selection of recent warnings on the emerging threat from experts including Larry Summers, David Solomon, Mike Wilson, Nouriel Roubini and Bill Gross. The worst banking turmoil since the 2008 financial crisis appears to have calmed somewhat but it's spawned a new worry for investors: a credit slump that's threatening to cripple the economy.Banks are turning increasingly risk-averse and less willing to lend as they face massive deposit outflows and the prospect of increased regulatory scrutiny amid the sectoral jitters - and that's crimping the flow of credit into the economy.