在信息不对称的信贷市场中，贷款利率和担保要求对于不同风险偏好的借款者会产生逆向选择效应，并且可能会引发道德风险。
In an asymmetric information credit market, interest rate and collateral requirements have adverse selection effect to different risk preference, and may cause moral hazard.
笔者首先论述了供应链的信息风险，即牛鞭效应，供应链中的逆向选择、败德行为；
The information risk in supply chain, the bull whip effect, was described, that was inverse selection in the supply chain and moral degeneration.
但是存款保险也是一柄“双刃剑”，也有其负面效应，如道德风险、逆向选择等。
But deposit insurance is also a double-edged sword, which has its own negative effect, such as moral risk, converse choice, and etc.
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