当供需双方契约达成后，若供给方 要根据需求方的情况获得收益，这时需求方比供给方更加具有信息优势 （Information Advantage），这就产生了代理问题。
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由于商业银行在信用风险转移时具有信息优势，可能利用其信息优势损害信用风险接受者的利益。
Commercial Banks may use the information superiority that they have when the credit risk transfers to harm the credit risk recipients' interests.
在商业银行分行行长与上级考核者之间存在着信息不对称的问题，分行行长具有信息优势，而上级考核者相对处于信息劣势；
The problem of asymmetric information exists between the branch directors of commercial banks and their supervisor, that is, the branch directors have more information than their supervisor.
一些观察人士质疑，如果信息技术具有经济价值，为什么它没有为个别公司提供直接竞争优势。
Some observers questioned why, if IT had conferred economic value, it did not produce direct competitive advantages for individual firms.
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