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信贷市场中的信息不对称对银行业的经营风险有着双重影响，本文章通过模型来证明在银行资产组合 的风险是自主选择和自然选择这两种不同的情况下，信息披露对银行风险有着不同的影响。为了使信息披露政策 在银行风险控制中发挥真正的作用，银行必须识别和选择自身的资产风险，国际标准和众多的国际经验也为我国 银行业风险管理和控制提供了一定的借鉴和参考。
Asymmetric information in the credit market has a dual impact on the operational risk of the banking industry. In this paper, the model is used to prove that under the circumstances that the risk of the bank’s asset portfolio is discretionary and natural, the disclosure of information has different effects on the bank’s risk Impact. In order to make information disclosure policy play a real role in bank risk control, banks must identify and choose their own assets risks. International standards and numerous international experiences also provide some reference and reference for China’s banking industry risk management and control.