National Australia Bank chief executive Cameron Clyne warned yesterday of "tight" access to wholesale markets.Clyne also confirmed the bank would once again adjust lending rates in line with its own costs of funds and not follow any further cut in the RBA cash rate.Speaking at QUT yesterday, Clyne said that "money is tight out there at the moment… The funding markets are very constrained at the moment and as each day goes by there's a greater risk of real funding concerns for Australian banks."The Financial Review reported on Clyne's talk at QUT.Clyne said banks would "have to borrow hundreds of billions of dollars over the next couple of years to not just finance requirements and assets but also to meet the regulatory requirements of funding on a stable basis."Asked about the link between the bank interest rates and the cash rate, Clyne said: "There is that disconnect, and that will continue, not just because of the global markets, but we are being pushed towards being 100 per cent stable funders."