所谓“信贷困境”就是人们通常所说的“贷款很难得到”。“信贷困境”的实质是“资本金困境”。资本金出现短缺的原因是我国80年代末期不动产由极度繁荣转向极度疲软造成的,结果使以后的不动产贷款损失惨重,而贷款损失又导致了银行资本金的大规模下降,与此同时,货币管理当局又对资本金提出更高要求。“里挤外压”迫使银行或是增加资本,或是减少贷款,以约束资 The so-called “credit dilemma” is what people commonly call “loans difficult to get.” The essence of “credit dilemma” is “capital dilemma”. The reason for the shortage of capital is that the real estate in our country was turned from extremely prosperity to extreme weakness in the late 1980s. As a result, real estate loans suffered heavy losses in the future, while loan losses caused a large-scale decline in bank capital. At the same time, monetary management Authorities put forward higher demands on capital. The “squeezing pressure” forced banks to either increase their capital or reduce their loans to curb their funding