6月下旬以来,一场突如其来的“钱荒”在房地产市场掀起一股不小的风波。各大媒体各种关于“钱荒”的报道也纷至而来。“钱荒”变成了真正的“钱慌”。从概念上讲,钱荒,指的是由于流通领域内货币相对不足而引发的一种金融危机。据相关资料显示,商业银行出现钱荒的原因有四种,一是资金外流。二是迫于外币纳入贷存比考核的压力, Since late June, a sudden “money shortage ” in the real estate market set off a wave of not small. Various major media reports on “money shortage ” have also come. “Money shortage ” has become a real “money panic ”. Conceptually, money shortage refers to a financial crisis triggered by the relative lack of currency in circulation. According to relevant information, there are four reasons for the emergence of money shortage in commercial banks. First, capital outflows. Second, forced by the pressure of foreign currency into the loan-to-deposit ratio assessment,