信息不对称作为一种经济现象,已成为银行信贷风险管理中的重要影响因素。在市场经济条件下,有效克服信息不对称对信贷管理的影响,是一个亟待研究解决的问题。一、信贷管理中信息不对称的构成及表现信息不对称,是指市场交易双方占有信息的差异。在信贷管理中,信息不对称表现为借款人与银行间信息来源和占有的差别。影响银行信贷计划实施的信息主要有三类:一是 Information asymmetry, as an economic phenomenon, has become an important factor in bank credit risk management. Under market economy, effectively solving the impact of asymmetric information on credit management is a problem to be solved urgently. First, the composition and performance of information asymmetry in credit management Asymmetric information, refers to the difference between the market share of the parties to the transaction information. In credit management, information asymmetry manifests itself as the difference between the source and possession of information between borrowers and banks. There are three main types of information that affect the implementation of bank credit plans: One is