因此，国有银行体系饱受掣肘，将剩余信贷额度配置给大企业和能提供足够抵押品的客户，这导致了贷款在地区和部门之间的不平衡分配。
With the official banking system thus constrained, it allocated the remaining credit to large enterprises and those with sufficient collateral, resulting in an uneven distribution of loans across regions and sectors.