本文通过对管理激励理论的分析，将管理激励分为正向激励和逆向激励两种激励方式。
This article analyses the management incentive theory, which will be divide into positive and negative incentive.
而由于道德风险和逆向选择问题广泛地存在于人才的作用机制之中，这种调整需要一种有效的激励机制与之适应。
But because of problems such as the moral risk and contrary choice broadly exist in the talented person's function mechanism, this kind of adjustment needs an effectively mechanism.
首先，作者简述了现代商业银行贷款定价的理论依据：信贷配给理论、利率的逆向选择、利率的激励效应和贷款担保理论。
Firstly, the author discusses the loan pricing theory, this means credit rationing, converse selection and inspirit effect, etc.
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