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由于信息非对称被为分事前的和事后的,人们已经认识到:就信贷风险管理而言,事前的信息获取与申请人的甄选、事中的监控及事后的努力追踪,只有这三方面紧密协同起来,才能取得较好的效果。在信息不对称情况下,银行与企业处于不同地位,企业对自身经济状况、战略远景及自身努力程度等的了解都比银行更为清楚。而银行却对企业的这些并不完全了解,实际上也难以完全了解。
As information asymmetry is prior and ex post, it has been recognized that in the case of credit risk management, access to information in advance and selection of applicants, monitoring of events and follow-up efforts are only closely linked to these three aspects To work together to achieve better results. In the case of asymmetric information, banks and enterprises are in different positions. Enterprises are more aware of their own economic conditions, strategic prospects and their own efforts than banks. However, banks do not fully understand these enterprises, but they are actually hard to understand completely.