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传统的新古典经济学是建立在“市场完全性”假定的基础之上的，它是以价格制度为研究对象的。但是，从整个经济的角度看，要求市场参与者各个方面都成立是不现实的，这就意味着市场本身在现实中通常是“不完全的”。在金融系统的信贷工作中，不完全信息基本理论给我们的启示是：以利率作为检测机制来确定借款者还贷的风险性；以利率的道德风险防范机制来影响借款者行为；合理确定抵押贷款数量，加强贷款抵押审批；重视信贷配给，平衡信贷市场。
The traditional neoclassical economics is based on the assumption of “market completeness”. It is based on the price system. However, from an economic point of view, it is unrealistic to require all aspects of market participants to be established, which means that the market itself is usually “incomplete” in reality. In the credit system of the financial system, the basic theory of incomplete information gives us some enlightenment: using the interest rate as the detection mechanism to determine the risk of borrowers repaying loans; using the interest rate risk prevention mechanism to influence the behavior of borrowers; Loans to strengthen the approval of loan mortgages; emphasis on credit rationing, balance credit market.