基于信息租金理论 information rent theory
As the private information of bank, the value of customer information is the information rent it causes.
信息租金的大小与市场份额,及其优质客户的数量成正比。
参考来源 - 信用信息共享和中国征信模式选择研究·2,447,543篇论文数据，部分数据来源于NoteExpress
利润可以被看作是从其他参与者身上赚得的“信息租金”
Profits of this sort can be viewed as “informational rents” earned at the cost of other market participants
除了能力最低的代理人，所有其它类型的代理人都能获得一个严格正的信息租金。
The other is that all types of agents except the one with the lowest productivity are able to harvest a strictly positive information rent.
结果表明，在信息不对称条件下，由于存在信息租金，关系合约不能达到帕累托最优。
The outcomes showed that, while under information asymmetry, because of the existence of information rents, the Pareto optimality of the relational contracts couldn't be reached.
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