Then it uses the principle of asymmetric information to analyze the adverse selection and moral risk during the procedure of management in small banks and provides the solution to these problems.

• 其次运用经济学中关于信息不对称问题的理论，对中小商业银行不良资产处理过程中可能出现的逆向选择问题和道德风险问题进行分析，并提出相应的解决措施；