信息金融理论
信息金融理论-
只有不断利用现代信息技术和金融理论，开发适应不同目标客户需要的具有较强竞争力和较大经济价值的金融新产品，才能获取持续的竞争优势和增利源泉。
In order to gain competitive advantage and more profits , the commercial banks have to use the modern information technology and financial theory , develop the various new products for more clients .
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不对称信息下的金融中介理论作为关系型借贷的另一个理论基础认为银行在收集信息方面具有比较优势，能够减少监督成本和惩罚成本。
Financial intermediary theory is another theoretic base of relationship lending . It considers bank has relatively informational advantage in informational asymmetry to reduce monitoring cost and penalty cost .