购房者受阻于高额的利息和银行信贷不足；银行则对开发商实行信贷配额；同时水泥、钢铁等建筑材料的价格飞涨。
Homebuyers are put off by expensive or elusive credit; Banks are rationing credit to developers; prices of building materials like cement and steel have soared.
本文通过对开封正大有限公司弃中资银行而选择泰国盘古银行的个案分析，论证了信贷市场上借款人主权机制的确立和相应的市场后果。
This paper studies the lender-borrower relationship alternation case of Kaifeng Zhengda Company, showing the borrower's dominance and its institutional effects. The conclusions are as follows.
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