放款人

• Asymmetric information occurs in daily life . for instance , borrowers know more about their repayment prospects than lenders , managers and boards know more about the firm s profitability than shareholders , and clients know more about their accident risk than insurance companies . professor spence s main contribution is on labor market asymmetry
  资讯不对称在日常生活中经常可见，例如贷款人比放款人清楚知道自己的还款能力、机构主管及董事会比股东掌握更多关于公司盈利前景的资讯、投保人比保险公司更清楚自己的意外风险等等。