Enterprises are credit carriers , which avoid to a certain degree adverse choice in product market caused by information asymmetry and save the transaction cost of finished 企业是信用的载体，它一定程度上避免了产品市场由于信息不对称所引致的逆向选择，从而节约最终产品交易成本。
Under the imperfect conditions , as a result of converse select and moral risk , student loan market ca n ' t be set up and government must intervene in student loan 在非完善市场条件下，由于逆向选择和道德风险，仅依靠市场自发的力量，难以建立助学贷款市场，政府的干预和介入是必须和可能的。
Accordingly , it results in diversified issues such as tax dodging , tax evasion of the tax - payer , " moral hazard " , " adverse choice " and rent - seeking inside the department of imposition 由于信息不对称的存在，引发了诸如纳税人的偷税、逃税、税务机关内部的“道德风险” ， “逆向选择”以及寻租等诸多问题。
