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商业银行信贷管理中的信息不对称主要表现在银企信贷关系和银行信贷内部管理两个方面。信息不对称造成了信贷管理中的逆向选择和道德风险，降低了借贷市场的效率，加剧了信贷风险。解决银企信息不对称问题的核心是通过建立完善的信息机制，以实现对借款企业的有效监控；解决银行内部管理中的信息不对称问题，可以通过构筑银行企业文化、建立信贷激励机制和完善信贷内控制度等方面入手。
Asymmetric information in credit management of commercial banks is mainly manifested in two aspects: the credit relationship between banks and enterprises and the internal management of bank credit. Asymmetric information creates adverse selection and moral hazard in credit management, reduces the efficiency of the lending market and aggravates the credit risk. The key to solve the problem of information asymmetry between banks and enterprises is to establish a sound information mechanism so as to effectively monitor the borrowing enterprises. To solve the problem of information asymmetry in bank internal management, we can build a bank’s corporate culture, establish a credit incentive mechanism and improve Credit internal control system and so on.