作为银行客户经理如何判断、分析“逆向选择”风险，其中重要的信息采集来自于非财务因素分析。
To judge and analyze the risk of adverse selection, it is of great importance for the client managers to collect the related information of non-financial factors.
本论文从客户关系价值对企业财务管理的重要意义入手，首先详细分析了影响客户关系价值测定的财务因素和非财务因素。
The article first gives the significance of the customer relationship value to financial management, and detailed analyzes the financial and other factors which affect evaluating the value.
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